mortgage help: THE SECRET FOR BUYING A HOME! - 02/10/11 02:42 AM
The truth is there is NO secret! The simple fact is that lenders and the government have not changed the areas of focus, income, credit, and -..... They have just increased standards for approval. They no longer are willing to accept borrowers who have not demonstrated the ability to manage the responsibility of owning a home and all the problems that occur when doing so. They do not want to be calling up a borrower shortly after a borrower has obtained a home wondering where the mortgage payment is....they want to feel very comfortable that if they sat yes and approval … (0 comments)

mortgage help: HARP or HAMP (Making Home Affordable Program) real or not? - 01/06/11 02:57 AM
For those of you who have tried over the past few years to help your clients, this letter might shed some light. I will keep you posted on the results of it if I am lucky enough to get a response.
Recent sent letter to MakingHomeAffordable (Hope Program):
To Whom It May Concern, 
My name is Ron Giannamore I currently am a Board member for a local non-profit agency approved by HUD and NeighborWorks. I also have managed a mortgage brokerage company over the past 22 years which is currently licensed in 4 states. My question is directed at getting information … (2 comments)

mortgage help: WHAT'S YOUR NEW YEARS RESOLUTION? - 12/20/10 07:15 AM
For many renters, buying their first home will be their New Years Resolution.. for real estate and mortgage professionals, it will be just surviving this coming years continued economic environment. Which ever it might be getting in the game and working towards your goal or goals is the important thing!
Many times I've seen homebuyers who are very close to achieving their goal of home-ownership, just give up because they don't believe it will happen... and other times I've seen real estate and mortgage professionals do the same... the truth of the matter is that it takes persistence and determination to get anything that's worthwhile in life. … (0 comments)

mortgage help: HOME-BUYERS DON'T GIVE UP! - 10/31/10 02:55 PM
Many potential home-buyers have had to deal with increased down payment requirements, tighter debt to income ratio requirements, and higher credit score requirements during the past 2 years and it seems to be getting tougher..... the good news is that if you have a job and are generating income it is just a matter of time before you'll be able to qualify for a new home of your own. Although it may be very frustrating for you and your real estate agent, there is light at the end of the tunnel. And although it might be frustrating you will benefit in … (2 comments)

 
Ronald A. Giannamore (Mortgage Services, Inc.) Rainmaker large

Ronald A. Giannamore

Westport, CT

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Mortgage Services, Inc.

Office: 800(922) 321-0121

Fax: (203) 841-2554

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