Phil's Florida Mortgage Corner!

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Mortgage and Lending - PINELLAS FINANCIAL, LLC
Philip Sanchez,Florida, Mortgage, Broker, Clearwater Mortgage Broker, mortgage payment, Clearwater Beach Mortgage, St. Pete Beach Mortgage, Florida lender, Clearwater florida lender, Largo florida, St. Petersburg Florida, Seminole Florida mortgage, mortgage blog, blog,activerain,activerain blog,Florida real estate, interest rates, mortgage broker, loan, home loan, first time homebuyer, no down payment, FHA, jumbo loans, condominium financing, refinance florida, lowest interest rates, calculate a mortgage payment, credit score, pinellas county florida,apply mortgage online, mortgage calculator, calculator mortgage
RECENT BLOG POSTS
Competition between first-time homebuyers and cash real estate investors are stabilizing home prices. Cash buyers have increased 30% in the greater Tampa Bay area recently. These buyers are purchasing Real Estate for legitimate investments versus the "Gold Rush", fix n' flip mentality of the Real...
08/31/2009
On Saturday, the Associated Press reported that "the freefall is over" for housing prices! Housing prices actually edged up in May. This is the first increase since 2006. Nationwide home resales are up 9% in June compared to January of this year and sales of new homes up 17% during same period. N...
08/03/2009
The FannieMae "Refi Plus" program has raised the amount it will approve for a refinance of your current mortgage to 125% of the home's value versus 105%. While none of us want to mortgage our home for more than it is worth, this program is designed to help those who want to stay in their home, bu...
07/13/2009
OK, some surprising truth today by the feds....commercial real estate and labor markets continue to struggle. Many regions of the country show weak or deteriorating economic conditions, despite govt efforts to kick start credit markets, consumers still having difficulty obtaining credit, retail s...
06/10/2009
On May 14, 2009 the Obama administration announced incentives and uniform procedures for short sales thanks to the new Foreclosure Alternatives Program (FAP). This new program helps troubled homeowners who do not qualify for loan modification AND requires banks to determine if a short sale is app...
05/20/2009
If you have not owned or had a mortgage on a Primary Residence in the last three years and you obtain a mortgage for the purchase of a home this year, you are eligible to receive an $8,000 tax credit from the government. I've mentioned this before. BUT.....did you know that you do not have to wai...
04/29/2009
If you have not had a mortgage or owned a Primary Residence in the last three years you are eligible to to receive up to $8,000 as a tax credit on the purchase of a Primary residence this year. Your purchase needs to happen between 1/1/09 and 12/31/09. You CAN own or have investment or vacation ...
04/17/2009
HAPPY EASTER!!!  from PINELLAS FINANCIAL, LLC This is the time of year to celebrate our Lord and Savior Jesus Christ! For those of you who do not have a relationship with this man, you need to talk to someone about who he is and what he did for all of mankind. On a Business note, remember that ev...
04/09/2009
With so much affordable housing on the market, our veterans need to be aware of VA loan benefits! VA loans require NO DOWN payment! VA loans will allow the seller to pay up to 6% of closing costs! VA loans DO NOT require MI (mortgage insurance) VA loans offer conforming interest rates! 5% on a 3...
01/22/2009
12 Comments
What are your financial plans for 2009? It should include investing in Real Estate! The interest rates sit at 5.5% and are expected to stay that way through 2009.            Do not be one of the less informed investors that believe Real Estate prices will go lower. We have bottomed out! The way y...
01/01/2009
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