georgia: Don’t lose another bid! - 01/30/18 10:39 AM
Don’t lose another bid!
We’ll pay both the Buyer and Seller $1,000 each if we don’t close on time!
I am licensed in AL, GA, FL, & TN for all of of your real estate needs.
This offer is part of our On Time Closing Guarantee with this 15 day special now through the end of February!
Contact me to get started!
On Q Financial, Inc. is an Equal Housing Lender, NMLS 5645. On Q Financial's On Time Close Guarantee Program has restrictions and requirements. Not all loan programs apply. The 15-day closing guarantee offer expires on 2/28/18. Payment for missing closings will be paid … (2 comments)

georgia: Make Your Offer Stand Out Among the Competition - 06/17/17 08:08 PM
Make your offer standout in a market where almost every home listing receives multiple bids. Show your Seller that you are serious about closing on time.
Use the On Q Financial On Time Closing Guarantee and we guarantee that you will close on time or we will pay the Borrower and/or the Seller $1,000 each.
Visit On Q Financial On Time Close Guarantee for more details.
(4 comments)

georgia: Prospect Mortgage - Georgia Exclusive HomePath Program 11-20 Financed - 09/15/12 02:49 AM
 
A brand new Fannie Mae HomePath® opportunity is now available to Georgia investors.  The Fannie Mae HomePath® loan program has now been expanded to allow up to a total of 20 financed properties (including those currently being financed) under an exclusive Prospect Mortgage loan program.  No other lender in the country can offer this special financing to GA buyers.
 
 
Only Prospect Mortgage gives you the opportunity to capitalize on both the below-market prices of foreclosures owned by Fannie Mae and the ability to carry financing on up to 20 investment properties for each investor. Most loan programs allow … (3 comments)

georgia: Refinance Today… Even If You Are Underwater on Your Georgia Mortgage! - 07/10/12 12:09 PM
If you are underwater on your Georgia mortgage, owing more on your loan balance than your home is worth right now; you may be able to refinance to a lower interest rate under the Federal Housing Finance Agency’s Home Affordable Refinance Program (HARP). Refinancing now, while rates are at historic lows, may save you money each month on your mortgage payment! Loan-to-value ratios have recently been eliminated, meaning that it doesn’t matter how underwater you are on your mortgage!
 
To qualify for a Georgia HARP 2.0 refinance, borrowers must meet the following criteria:
The mortgage must have been owned or guaranteed … (1 comments)

georgia: FHA’s Energy Efficient Mortgage Program - 03/24/12 10:19 AM
(4 comments)

georgia: REBuildUSA Partners With Lowe's for FHA 203K Renovation Mortgages - 01/25/12 12:11 PM
REBuildUSA has partnered with Lowe's Home Improvement Stores to assit home buyers and home owners.  An FHA 203K loan allows you to purchase or refinance and renovate a home in one easy loan. Your loan is based on the after-improved value – what the house will be worth once the renovations are complete.
 
 
 
There are no costs to you to enjoy the convenience and time saving benefits of REbuildUSA™. As your 203K Renovation Lending Specialist, I will help you understand all the features of the loanI look forward to answering your questions about the loan program and guiding … (1 comments)

georgia: Fannie Mae & Freddie Mac Announce 2012 Conforming Loan Limits for Georgia - 11/25/11 03:42 AM
Fannie Mae & Freddie Mac Announce 2012 - Conforming Loan Limits for Georgia
 
The Federal Housing Finance Agency (FHFA) has announced 2012 conforming loan limits.  The agency base conforming and high-cost area loan limits will remain at the existing 2011 levels through December 31, 2012.  The only county to see an increase is Fairfield County, Connecticut.
 
The base conforming loan limit remain at its current level ($417,000 for 1-unit properties in the contiguous United States). Some high-cost areas of the country can exceed the $417,000 limit though.  For those areas, the current maximum high-cost limit is $625,500 for a 1-unit single-family property in the … (2 comments)

georgia: Fannie Mae & Freddie Mac Announce 2012 Conforming Loan Limits for Alabama - 11/23/11 09:16 AM
Fannie Mae & Freddie Mac Announce 2012 - Conforming Loan Limits for Alabama
 
The Federal Housing Finance Agency (FHFA) has announced 2012 conforming loan limits.  The agency base conforming and high-cost area loan limits will remain at the existing 2011 levels through December 31, 2012.  The only county to see an increase is Fairfield County, Connecticut.
 
The base conforming loan limit remain at its current level ($417,000 for 1-unit properties in the contiguous United States). Some high-cost areas of the country can exceed the $417,000 limit though.  For those areas, the current maximum high-cost limit is $625,500 for a 1-unit single-family property in the … (2 comments)

georgia: Can I Purchase After a Short Sale in Georgia? - 08/06/11 06:12 AM
Can I purchase after a short sale in Georgia? 
That is a common question on the minds of many Georgia sellers in today’s market.  The answer is, possibly.  In December 2009, HUD announced guidelines under which a seller who has completed a short sale can buy a new home utilizing FHA financing. 
Short Sales
According to FHA underwriting guideline, borrowers are not eligible for a new FHA loan if
·         They pursued a short sale on their principal residence simply to take advantage of declining market conditions, and  purchase, at  a reduced price, a similar or superior property … (3 comments)

georgia: Flagstar Bank to Exit Atlanta Market as PNC Bank Enters Earlier - 07/27/11 04:10 AM
It was announced yesterday that Flagstar Bank intends to exit the Atlanta, GA banking market. The Michigan based bank will sell its 27 Atlanta area branches to Pittsburgh, PA based PNC Bank. The deal is set to close in December 2011.
This announcement comes only a few weeks after PNC announced its plans to acquire the US retail operations of Royal Bank of Canada, including its Raleigh, NC based RBC Bank.  That deal is set to close March 2012.
Flagstar entered the Atlanta market in 2007 by building a new network of branches.  RBC Bank entered the Atlanta market in 1998 with its … (5 comments)

georgia: Theater of the Stars Announces Its 2011-2012 Season - 03/13/11 03:26 PM
Theater of the Stars has announced its 2011- 2012 season lineup for the Fabulous Fox Theatre.  The season will open on June 21, 2011 with Joseph and the Amazing Technicolor Dreamcoat. 
The 2011 - 2012 show line up includes:
Joseph and the Amazing Technicolor Dreamcoat - June 21 - 26, 2011
Joseph and the Amazing Technicolor Dreamcoat was the first musical debuted by Andrew Lloyd Webber and Tim Rice.  The pair would go on to create Jesus Christ Superstar, Evita, and Cricket.
 

Rock of Ages, July 5 - 10, 2011
Rock of Ages is set around classic rock songs of the 1980's.  The musical has its … (1 comments)

georgia: Credit Tip #1 - Paying Off Collection Accounts and Charge Offs - 03/11/11 02:17 PM
Think twice before you pay off collections accounts or charge offs.
For someone wanting to pay off collection accounts, it is suggested that you do it as part of the loan approval process.  Paying off a collection account can actually bring an old account to a current derogatory status.  That may in fact lower your credit score instead of raising it.
If you are not planning on purchasing for several months or longer, then paying off a collection account may actually help you.  There are some creditors who will continue to report the account as delinquency each month that the debt goes unpaid.  Paying off … (11 comments)

georgia: Can I Finance Mortgage Payments Into My FHA 203K Mortgage? - 03/10/11 01:46 PM
The answer to this question is yes.   With a Consultant FHA 203K Renovation mortgage, HUD allows for up to 6 months of PITI to be financed into your new FHA 203K mortgage.  This allows borrowers the ability to more easily maintain two homes for a brief period of time. 
The maximum number of months depends on how long the HUD Consultant indicates that the property will be uninhabitable due to the renovations.  This means that the number will vary between 1-6 months depending upon the complexity of the project.
For minor to light renovations, you might expect 1-2 months to be escrowed.  If the … (2 comments)

georgia: HUD Temporary Flipping Waiver Extended Until December 31, 2011 for FHA Mortgages - 03/10/11 01:05 PM
HUD has announced that its temporary waiver of the 90-day flipping restriction is now in effect until December 31, 2011.  There are no changes to the Flip Waiver that was previously issued. 
The Flip Waiver is still subject to certain conditions.  In order to be eligible for FHA financing, the mortgages must meet these conditions to take advantage of the waiver.  The complete text of the waiver extension, including conditions the waiver is limited to, is available on the HUD website.
Some of the Flip-Waiver provisions include:
1. The amount of the Rehab/Repair may not be added as part of the Seller's acquisition costs.2. 2nd … (2 comments)

georgia: Georgia Dream Program Changes - Effective March 1, 2011 - 03/06/11 01:51 PM
The GA Department of Community Affairs has announced some changes to its Georgia Dream down payment assistance program guidelines.  The changes are effective on March 1, 2011.  Some of the highlights are listed below.
Household Income Limitations
For homes purchased in the Atlanta MSA:Barrow, Bartow, Butts, Carroll, Cherokee, Clayton, Cobb, Coweta, Dawson, Dekalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Haralson, Heard, Henry, Jasper, Lamar, Meriwether, Newton, Paulding, Pickens, Pike, Rockdale, Spalding or Walton Counties
Your total household income based on the number of people living in the home can be no more than:
One to Two persons $71,000Three or more persons $82,000
(2 comments)

georgia: Freddie Mac Reduces Maximum Loan to Value - 03/05/11 02:36 PM
On March 1, 2011, Freddie Mac announced that it will be lowering its maximum loan to value.  The reduction will be effective with all Freddie Mac conventional mortgages with a settlement date on or after June 1, 2011. 
Maximum financing requirement lowered to 95% LTV/TLTV/HTLTV Only exception will be Relief Refinance Mortgages Home Possible Mortgages will also be reduced to 95% The change will not be overly impactful as mortgage insurance over 95% LTV is still difficult to obtain for conventional mortgages. 
 
 
 
 
(4 comments)

georgia: Can I Close on an FHA Mortgage If the Utilities Are Off? - 03/05/11 12:59 PM
 Can I close on an FHA Mortgage if the utilities are off?
The typical answer is no.  All traditional FHA mortgages require that all utilities must be on at the time of the appraisal inspection.  It is also required that all related systems are functioning properly at the visit.
However, the FHA 203K Renovation mortgage does not require that utilities be on for the appraisal to be acceptable.  With many foreclosed properties, all utilities may not be able to be turned on.  This is often due to missing/stolen wiring, copper pipes, HVAC unit.  When the utilities are off, the normal 10% Contingency Fee … (2 comments)

georgia: Prospect Mortgage - #2 Volume FHA 203K Renovation Lender for 2010 - 02/27/11 03:14 AM
The US Department of Housing and Development has released its FHA 203K Endorsement Report.  It is for the Fiscal Year ending September 30, 2010.  In the period of October 1, 2009 - September 30, 2010, HUD ranks Prospect Mortgage as the #2 volume FHA 203K lender in the country.  For the 2010 Fiscal Year, Prospect Mortgage closed 928 FHA 203K Renovation mortgages.  A total of 22,491 FHA 203K loans were endorsed by HUD in the 2010 Fiscal Year by all mortgage companies.
The most shocking data comes from the number of companies that closed less than 5 of these loans.  In Atlanta … (7 comments)

georgia: Free Yogurt on March 3rd - Pinkberry Buckhead - 02/22/11 02:05 PM
The new Pinkberry in Buckhead is celebrating their grand opening on Thursday, March 3rd.  For the occasion, they are giving away free yogurt that day. 
Pinkberry flavors include:
Original Blood Orange (seasonal) Chocolate (seasonal) Coconut (seasonal) Mango (seasonal) Pomegranate (seasonal) Stop by from 6 pm - 10 pm on March 3, 2011 and get your free yogurt. 
3637 Peachtree Rd, Atlanta, GA 30319
The new Buckhead location will be the third Pinkberry in Georgia.  It joins locations at Akers Mill in Atlanta and Merchant's Walk in Marietta.
Be sure to check out more deals with the Atlanta Bargain Hunter at ajc.com. 
 
 
 

(3 comments)

georgia: Legoland Discovery Center To Join Phipps Plaza - 02/20/11 05:53 AM
LEGOLAND Discovery Center has announced plans for a Phipps Plaza location in Atlanta.  The 32,000 square foot attraction is slated to open in March 2012.  It will join mall anchors Saks Fifth Avenue, Nordstom, and Belk.  The upscale mall is also home to high end retailers Barney's New York CO-OP, Giorgio Armani, Gucci, Hugo Boss Tiffany & Co, and Versace. 
Other LEGOLAND Discovery Center locations in the US can be found in Chicago and Dallas/Forth Worth.  Internationally, there are Manchester, England and Berlin and Duisburg, Germany locations.  A LEGOLAND California Park is located in Carlsbad, California.  A LEGOLAND Florida Park in Winter Haven, Florida is set to open in October 2011.  
Construction will … (2 comments)

 
Rodney Mason, Licensed in AL, FL, GA, SC, & TN (Guaranteed Rate) Rainmaker large

Rodney Mason

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Atlanta, GA

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