FHA Mortgage Rates Remain Below 4%...For Now...
1-30-12
FHA loan rates have stayed relatively steady, and below 4.00% on average last week, though fees on these government backed loans are set to increase later this year, according to a mortgage rate research website. In December 2011, Congress voted to offset the expense of a payroll tax extention with an increase in mortgage fees for conventional loans sold to Fannie Mae and Freddie Mac, and for FHA loans backed by the Federal Housing Administration.
For FHA mortgages the additional fee will be in the form of a 0.1 percentage point increase in the mortgage insurance premium paid by mortgage holders. The FHA has yet to release information on when the fee increase will take place.
Though the fee increase is small, it will mean a slightly higher payment for new FHA borrowers after it goes into affect. Current FHA mortgage holders will not be impacted, nor with those who close their loans before the implementation of the increase. If an existing FHA loan is refinanced into a new Fannie Mae, Freddie Mac, or FHA mortgage after the fee rises it will be in place on the new loan.
An increase of $10 to $20 per month probably isn't going to make the difference of someone qualifying for a loan, or change whether it's affordable, but with rates as low, or close to as low as they have ever been, and some additional costs on the horizon, it is certainly advisable to consider an FHA refinance or purchase loan now rather than waiting.
If I can help in any way or answer questions, please don't hesitate to contact me. Getting pre-approved for a home loan doesn't cost anything but your time.
Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS™
NMLS 333739
NV Lic 24392
Residential Mortgage Services
Cell (702) 326-7866
Ofc (702) 796-3453 xt. 3047
eFax (888) 738-5188
Toll Free ( 877) AUNDREA
info@aundreabeach.com
www.AundreaBeach.com
www.TailorMyMortgage.com
Doctors, lawyers, even beauticians adhere to strict education requirements and licensing. Do you want someone who is not bound to those standards looking at your credit and finances? Consult a CMPS™ today!
Monday, January 30, 2012
USE YOUR TAX REFUND TO MAKE A DOWN PAYMENT ON A NEW HOME
1-30-2012
IT’S TAX TIME! Many of you have begun to file your taxes, and if that is the case, then good for you! On the other hand, thousands of others have not! Tax returns will be in the mail or deposited into millions of bank accounts over the next couple of weeks and months. Why not use your tax return as a down payment for the home that you’ve been wanting!
Due to limited options for 100% financing, buyers often find they are unable to purchase a home due to unavailable resources for a down-payment. However, many people overlook the fact that their tax refund can be used.
Now is the time, stop waiting to see if you can qualify for a home, you most likely can. The market is moving and the pattern is clearly showing signs of recovery. If you look at the homes that have been sold in the last few months, it is clear that buyers are finding amazing deals.
These are historically low interest rates. Ask your parents or grandparents about interest rates. They will tell you horror stories of high interest rates throughout their lifetime. Don’t wait on the fence any longer, now is the time to find a great deal.
Today there are many homes that cost $100,000 or less in the Las Vegas Area. You have choices... something that many potential homebuyers throughout history have lacked. No lottery, no pressure, resale or new homes AND you will have a tax advantage next year when you file your taxes.
If you don’t believe me, ask someone!
If you have any further questions, please don't hesitate to contact me. Let's get you pre-approved today and into that new house.
Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS™
NMLS 333739
NV Lic 24392
Residential Mortgage Services
Cell (702) 326-7866
Ofc (702) 796-3453 xt. 3047
eFax (888) 738-5188
Toll Free ( 877) AUNDREA
info@aundreabeach.com
www.AundreaBeach.com
www.TailorMyMortgage.com
Doctors, lawyers, even beauticians adhere to strict education requirements and licensing. Do you want someone who is not bound to those standards looking at your credit and finances? Consult a CMPS™ today!
Tuesday, November 22, 2011
Sadly, Las Vegas is nowhere near finished with foreclosures...
click to see full article
check your zip code statistics
In all likelihood, another 100,000 foreclosures are on the way, and at the current rate, that process will continue for another four to five years.
"It's been really horrendous that 1 out of 5 homes are foreclosures and we're not done yet," Murphy said. "By the time we get to 10 years, it could be half or 40 percent, and that's staggering. It's unbelievable."
Some areas have been hit harder than others, particularly those with newer subdivisions.
ZIP code 89086 shows 33 percent of homes, or 323, have gone through foreclosure, though the percentage is skewed by the small sampling of homes in a relatively new area of North Las Vegas, Murphy said.
click to see full article
check your zip code statistics
In all likelihood, another 100,000 foreclosures are on the way, and at the current rate, that process will continue for another four to five years.
"It's been really horrendous that 1 out of 5 homes are foreclosures and we're not done yet," Murphy said. "By the time we get to 10 years, it could be half or 40 percent, and that's staggering. It's unbelievable."
Some areas have been hit harder than others, particularly those with newer subdivisions.
ZIP code 89086 shows 33 percent of homes, or 323, have gone through foreclosure, though the percentage is skewed by the small sampling of homes in a relatively new area of North Las Vegas, Murphy said.
Thursday, November 03, 2011
UPDATED (As of October 31, 2011) : The government announced changes to its HARP program October 24, 2011. This post is accurate and up-to-date.
If you're underwater on your mortgage, you may be eligible to refinance without paying down principal and without having to pay mortgage insurance.
Here is the details of the government's new 2011 HARP refinance program.
What Is HARP?
HARP was started in April 2009. It goes by several names. The government calls it HARP, as in Home Affordable Refinance Program.
The program is also known as the Making Home Affordable plan, the Obama Refi plan, and Relief Refinance.
In order to be eligible for the HARP refinance program :
Your loan must be backed by Fannie Mae or Freddie Mac.
Your current mortgage must have a securitization date prior to June 1, 2009
If you meet these two criteria, you may be HARP-eligible. If your mortgage is FHA, USDA or a jumbo mortgage, you are not HARP-eligible, however there are refinance options for you.
HARP : FAQ's
Do these question-and-answers account for the "NEW" HARP program?
Yes, everything you are reading is accurate as of today, October 31, 2011. This post includes the latest changes rolled out by the Federal Home Finance Agency on October 24, 2011.
How do I know if Fannie Mae or Freddie Mac has my mortgage?
Fannie Mae and Freddie Mac have "lookup" forms on their respective websites. Check Fannie Mae's first because Fannie Mae's market share is larger. If no match is found, then check Freddie Mac. Your loan must appear on one of these two sites to be eligible for HARP. However, there have been cases in the past that a loan does not appear on either site, but truly is owned by Fannie or Freddie. It just required more investigation...
If my mortgage is held by Fannie Mae or Freddie Mac, am I instantly-eligible for the Home Affordable Refinance Program?
No. There is a series of criteria. Having your mortgage held by Fannie or Freddie is just a pre-qualifier.
Is "HARP" the same thing as the government's "Making Home Affordable" program?
Yes, the names HARP and Making Home Affordable are interchangeable.
My mortgage is held by Fannie Mae or Freddie Mac. Now what do I do?
Find a recent mortgage statement and write "Fannie Mae" or "Freddie Mac" on it -- whichever group backs your home loan -- so you don't forget. Give that information to your lender when you apply for your HARP refinance.
What if neither Fannie Mae nor Freddie Mac has a record of my mortgage?
If neither Fannie Mae nor Freddie Mac has record of your mortgage, your loan is HARP-ineligible. However, you may still be eligible for a "regular" refinance to lower rates. Email me to see your options. Or, if your mortgage is insured by the FHA, you can refinance using the FHA Streamline Refinance program.
Am I eligible for the Home Affordable Refinance Program if I'm behind on my mortgage?
No. You must be current on your mortgage to refinance via HARP.
Will the Home Affordable Refinance Program help me avoid foreclosure?
No. The Home Affordable Refinance Program is not designed to delay, or stop, foreclosures. It's meant to give homeowners who are current on their mortgages, and who have lost home equity, a chance to refinance at today's low mortgage rates.
What are the minimum requirements to be HARP-eligible?
First, your home loan must be paid on-time for the prior 6 months, and at least 11 of the most recent 12 months. Second, your mortgage must have been sold to Fannie or Freddie prior to June 1, 2009. And, third, you may not have used the HARP program before -- only one HARP refinance per mortgage is allowed.
Is there a 125% loan-to-value restriction for HARP?
No, there is no 125% loan-to-value restriction. All homes -- regardless of equity or lack thereof -- are eligible for the HARP program.
I am really far underwater on my mortgage. Can I use HARP?
Yes, you can. There is no loan-to-value restriction under the HARP program.
Maybe I wasn't clear. I am really, really far underwater on my mortgage. Are you sure I can use HARP?
Yes, I am sure. The new HARP program specifically has no loan-to-value restriction so that homeowners in Florida, California, Arizona and Nevada can take advantage of it. You can be at 300% loan-to-value on your property and still be HARP-eligible. HARP now has an unlimited LTV.
Will my home require an appraisal with the HARP program?
Sort of. Although your home's value doesn't matter for the HARP program, lenders will run what's called an "automated valuation model" (AVM) on your home. If the value meets reliability standards, no physical appraisal will be required. However, your lender may choose a physical appraisal anyway -- just to make sure your home is "standing".
Is HARP the same thing as an FHA Streamline Refinance?
No, the HARP program is administered through Fannie Mae and Freddie Mac. FHA Streamline Refinances are performed through the FHA. The programs have similarities, however.
Do I have to HARP refinance with my current mortgage lender?
No, you can do a HARP refinance with any participating mortgage lender. Call or email us to get the process started.
So, I can use any mortgage lender for my HARP Refinance?
Yes. With the Home Affordable Refinance Program, you can refinance with any participating HARP lender.
I put down 20% when I bought my home. My home is now underwater. If I refinance with HARP, will I have to pay mortgage insurance now?
No, you won't need to pay mortgage insurance. If your current loan doesn't require PMI, your new loan won't require it, either.
I pay PMI (Private Mortgage Insurance) now. Will my PMI payments go up with a new HARP refinance?
No, your private mortgage insurance payments will not increase. However, the "transfer" of your mortgage insurance policy may require an extra step. Remind your lender that you're paying PMI to help the refinance process move more smoothly.
What's the biggest mortgage I can get with a HARP refinance?
HARP refinances are limited to your area's conforming loan limits. In most cities, the conforming loan limit is $417,000. However, there are some cities in which conforming loan limits are as high at $625,500.
Here is 2011-2012 Conforming And FHA Loan Limits for Clark County, NV.
Conforming Loan Limits FHA Loan Limits
1-Unit $417,000 maximum $287,500 maximum
2-Unit $533,850 maximum $368,050 maximum
3-Unit $645,300 maximum $444,900 maximum
4-Unit $801,950 maximum $552,900 maximum
Can I do a cash-out refinances with HARP?
No, the HARP program doesn't allow cash out refinance. Only rate-and-term refinances are allowable.
Can I refinance an investment/rental property with HARP?
Yes, you can refinance an investment/rental property with HARP, even if the home was once your primary residence. You can refinance a home on which you're an "accidental landlord" via HARP. The loan must meet typical program eligibility standards.
Can I refinance a second/vacation home with HARP?
Yes, you can refinance an second/vacation property with HARP, even if the home was once your primary residence. The loan must meet typical program eligibility standards.
Are condominiums eligible for HARP refinancing?
Yes, condominiums can be financed on the HARP refinance program. Warrantability standards still apply.
Can I consolidate mortgages with a HARP refinance?
No, you cannot consolidate multiple mortgages with the HARP refinance program. It's for first liens only. All subordinate/junior liens must be resubordinated to the new first mortgage.
Can I "roll in" my closing costs with a HARP refinance?
Yes, mortgage balances can be increased to cover closing costs in addition to other monies due at closing such as escrow reserves, accrued daily interest, and a small amount of cash. In no cases may loan sizes exceed the local conforming loan limits, however.
I am unemployed and without income. Am I HARP-eligible?
No. Income verification is required for the HARP refinance program.
My original mortgage was a stated income loan. Will my income be verified with a HARP refinance?
Yes, with HARP, applicant income is verified in the same manner as with a traditional refinance -- via a combination of paystubs, W2's, tax returns and other, underwriter-requested documentation.
What are the HARP program's mortgage rates?
Mortgage rates for the HARP program are the same as for a "traditional" refinance. There is no "premium" for using the HARP program.
Do HARP refinances use Loan-Level Pricing Adjustments?
Technically, loan-level pricing adjustments due to risk of the borrower do not apply to HARP refinances, but borrowers may be subject to LLPAs based on their respective credit scores or home-types (e.g.; 2-unit, 3-unit, 4-unit). Loan-to-Value LLPAs are reduced and/or waived.
Is there a minimum credit score to use the HARP program?
No, there is no minimum credit score requirement with the HARP refi program, per se. However, you must qualify for the mortgage based on traditional underwriting standards. Your lender may have their own requirements.
Do I have to refinance my mortgage with my current lender?
In most cases, no. You can do a HARP refinance with any lender you want.
What does the term "DU Refi Plus" mean?
"DU Refi Plus" is the brand name Fannie Mae assigned to its particular flavor of the HARP program. "DU" stands for Desktop Underwriter. It's an automated software program that simulates mortgage underwriting based upon certain criteria. "Refi Plus" is a gimmicky-sounding term that could have been anything. The name has been trademarked, however. As a side note, Freddie Mac is using the branded name "Relief Refinance".
Can I remove my spouse or a co-signer with a HARP refinance?
Maybe. HARP guidelines specifically prohibit removing a co-signer from the note, but there are circumstances in which you may be able to remove a co-signer from the mortgage and from the deed so that the former co-signer has no ownership interest in the home.
For how long should I lock my mortgage rate via the HARP Program
Lock for 45 days, at minimum. This is because the HARP program, while streamlined for simplicity, still has some grey areas that can lead to delay. It's better to have a rate lock that lasts too long than not long enough. Lenders claim they will begin taking applications as soon as December 1st.
When does the HARP program end?
If you are HARP-eligible, you must close on your mortgage prior to December 31, 2013.
How do I apply for the HARP program?
Start your online application here if you'd like. See if your loan is eligible and what to do next. Or just call or email me. There is no fee for applying.
Apply For Home Affordable Refinance Program
When you're ready contact me!
Lastly, don't forget... The Home Affordable Refinance Program is not meant to save a home from foreclosure. It is meant to give underwater homeowners a chance to refinance without paying PMI. If you need foreclosure help, call your current loan servicer immediately.
If you or someone you know has a question about what these changes mean, call or email me anytime. I'm always happy to help.
Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
(702) 326-7866
info@aundreabeach.com
If you're underwater on your mortgage, you may be eligible to refinance without paying down principal and without having to pay mortgage insurance.
Here is the details of the government's new 2011 HARP refinance program.
What Is HARP?
HARP was started in April 2009. It goes by several names. The government calls it HARP, as in Home Affordable Refinance Program.
The program is also known as the Making Home Affordable plan, the Obama Refi plan, and Relief Refinance.
In order to be eligible for the HARP refinance program :
Your loan must be backed by Fannie Mae or Freddie Mac.
Your current mortgage must have a securitization date prior to June 1, 2009
If you meet these two criteria, you may be HARP-eligible. If your mortgage is FHA, USDA or a jumbo mortgage, you are not HARP-eligible, however there are refinance options for you.
HARP : FAQ's
Do these question-and-answers account for the "NEW" HARP program?
Yes, everything you are reading is accurate as of today, October 31, 2011. This post includes the latest changes rolled out by the Federal Home Finance Agency on October 24, 2011.
How do I know if Fannie Mae or Freddie Mac has my mortgage?
Fannie Mae and Freddie Mac have "lookup" forms on their respective websites. Check Fannie Mae's first because Fannie Mae's market share is larger. If no match is found, then check Freddie Mac. Your loan must appear on one of these two sites to be eligible for HARP. However, there have been cases in the past that a loan does not appear on either site, but truly is owned by Fannie or Freddie. It just required more investigation...
If my mortgage is held by Fannie Mae or Freddie Mac, am I instantly-eligible for the Home Affordable Refinance Program?
No. There is a series of criteria. Having your mortgage held by Fannie or Freddie is just a pre-qualifier.
Is "HARP" the same thing as the government's "Making Home Affordable" program?
Yes, the names HARP and Making Home Affordable are interchangeable.
My mortgage is held by Fannie Mae or Freddie Mac. Now what do I do?
Find a recent mortgage statement and write "Fannie Mae" or "Freddie Mac" on it -- whichever group backs your home loan -- so you don't forget. Give that information to your lender when you apply for your HARP refinance.
What if neither Fannie Mae nor Freddie Mac has a record of my mortgage?
If neither Fannie Mae nor Freddie Mac has record of your mortgage, your loan is HARP-ineligible. However, you may still be eligible for a "regular" refinance to lower rates. Email me to see your options. Or, if your mortgage is insured by the FHA, you can refinance using the FHA Streamline Refinance program.
Am I eligible for the Home Affordable Refinance Program if I'm behind on my mortgage?
No. You must be current on your mortgage to refinance via HARP.
Will the Home Affordable Refinance Program help me avoid foreclosure?
No. The Home Affordable Refinance Program is not designed to delay, or stop, foreclosures. It's meant to give homeowners who are current on their mortgages, and who have lost home equity, a chance to refinance at today's low mortgage rates.
What are the minimum requirements to be HARP-eligible?
First, your home loan must be paid on-time for the prior 6 months, and at least 11 of the most recent 12 months. Second, your mortgage must have been sold to Fannie or Freddie prior to June 1, 2009. And, third, you may not have used the HARP program before -- only one HARP refinance per mortgage is allowed.
Is there a 125% loan-to-value restriction for HARP?
No, there is no 125% loan-to-value restriction. All homes -- regardless of equity or lack thereof -- are eligible for the HARP program.
I am really far underwater on my mortgage. Can I use HARP?
Yes, you can. There is no loan-to-value restriction under the HARP program.
Maybe I wasn't clear. I am really, really far underwater on my mortgage. Are you sure I can use HARP?
Yes, I am sure. The new HARP program specifically has no loan-to-value restriction so that homeowners in Florida, California, Arizona and Nevada can take advantage of it. You can be at 300% loan-to-value on your property and still be HARP-eligible. HARP now has an unlimited LTV.
Will my home require an appraisal with the HARP program?
Sort of. Although your home's value doesn't matter for the HARP program, lenders will run what's called an "automated valuation model" (AVM) on your home. If the value meets reliability standards, no physical appraisal will be required. However, your lender may choose a physical appraisal anyway -- just to make sure your home is "standing".
Is HARP the same thing as an FHA Streamline Refinance?
No, the HARP program is administered through Fannie Mae and Freddie Mac. FHA Streamline Refinances are performed through the FHA. The programs have similarities, however.
Do I have to HARP refinance with my current mortgage lender?
No, you can do a HARP refinance with any participating mortgage lender. Call or email us to get the process started.
So, I can use any mortgage lender for my HARP Refinance?
Yes. With the Home Affordable Refinance Program, you can refinance with any participating HARP lender.
I put down 20% when I bought my home. My home is now underwater. If I refinance with HARP, will I have to pay mortgage insurance now?
No, you won't need to pay mortgage insurance. If your current loan doesn't require PMI, your new loan won't require it, either.
I pay PMI (Private Mortgage Insurance) now. Will my PMI payments go up with a new HARP refinance?
No, your private mortgage insurance payments will not increase. However, the "transfer" of your mortgage insurance policy may require an extra step. Remind your lender that you're paying PMI to help the refinance process move more smoothly.
What's the biggest mortgage I can get with a HARP refinance?
HARP refinances are limited to your area's conforming loan limits. In most cities, the conforming loan limit is $417,000. However, there are some cities in which conforming loan limits are as high at $625,500.
Here is 2011-2012 Conforming And FHA Loan Limits for Clark County, NV.
Conforming Loan Limits FHA Loan Limits
1-Unit $417,000 maximum $287,500 maximum
2-Unit $533,850 maximum $368,050 maximum
3-Unit $645,300 maximum $444,900 maximum
4-Unit $801,950 maximum $552,900 maximum
Can I do a cash-out refinances with HARP?
No, the HARP program doesn't allow cash out refinance. Only rate-and-term refinances are allowable.
Can I refinance an investment/rental property with HARP?
Yes, you can refinance an investment/rental property with HARP, even if the home was once your primary residence. You can refinance a home on which you're an "accidental landlord" via HARP. The loan must meet typical program eligibility standards.
Can I refinance a second/vacation home with HARP?
Yes, you can refinance an second/vacation property with HARP, even if the home was once your primary residence. The loan must meet typical program eligibility standards.
Are condominiums eligible for HARP refinancing?
Yes, condominiums can be financed on the HARP refinance program. Warrantability standards still apply.
Can I consolidate mortgages with a HARP refinance?
No, you cannot consolidate multiple mortgages with the HARP refinance program. It's for first liens only. All subordinate/junior liens must be resubordinated to the new first mortgage.
Can I "roll in" my closing costs with a HARP refinance?
Yes, mortgage balances can be increased to cover closing costs in addition to other monies due at closing such as escrow reserves, accrued daily interest, and a small amount of cash. In no cases may loan sizes exceed the local conforming loan limits, however.
I am unemployed and without income. Am I HARP-eligible?
No. Income verification is required for the HARP refinance program.
My original mortgage was a stated income loan. Will my income be verified with a HARP refinance?
Yes, with HARP, applicant income is verified in the same manner as with a traditional refinance -- via a combination of paystubs, W2's, tax returns and other, underwriter-requested documentation.
What are the HARP program's mortgage rates?
Mortgage rates for the HARP program are the same as for a "traditional" refinance. There is no "premium" for using the HARP program.
Do HARP refinances use Loan-Level Pricing Adjustments?
Technically, loan-level pricing adjustments due to risk of the borrower do not apply to HARP refinances, but borrowers may be subject to LLPAs based on their respective credit scores or home-types (e.g.; 2-unit, 3-unit, 4-unit). Loan-to-Value LLPAs are reduced and/or waived.
Is there a minimum credit score to use the HARP program?
No, there is no minimum credit score requirement with the HARP refi program, per se. However, you must qualify for the mortgage based on traditional underwriting standards. Your lender may have their own requirements.
Do I have to refinance my mortgage with my current lender?
In most cases, no. You can do a HARP refinance with any lender you want.
What does the term "DU Refi Plus" mean?
"DU Refi Plus" is the brand name Fannie Mae assigned to its particular flavor of the HARP program. "DU" stands for Desktop Underwriter. It's an automated software program that simulates mortgage underwriting based upon certain criteria. "Refi Plus" is a gimmicky-sounding term that could have been anything. The name has been trademarked, however. As a side note, Freddie Mac is using the branded name "Relief Refinance".
Can I remove my spouse or a co-signer with a HARP refinance?
Maybe. HARP guidelines specifically prohibit removing a co-signer from the note, but there are circumstances in which you may be able to remove a co-signer from the mortgage and from the deed so that the former co-signer has no ownership interest in the home.
For how long should I lock my mortgage rate via the HARP Program
Lock for 45 days, at minimum. This is because the HARP program, while streamlined for simplicity, still has some grey areas that can lead to delay. It's better to have a rate lock that lasts too long than not long enough. Lenders claim they will begin taking applications as soon as December 1st.
When does the HARP program end?
If you are HARP-eligible, you must close on your mortgage prior to December 31, 2013.
How do I apply for the HARP program?
Start your online application here if you'd like. See if your loan is eligible and what to do next. Or just call or email me. There is no fee for applying.
Apply For Home Affordable Refinance Program
When you're ready contact me!
Lastly, don't forget... The Home Affordable Refinance Program is not meant to save a home from foreclosure. It is meant to give underwater homeowners a chance to refinance without paying PMI. If you need foreclosure help, call your current loan servicer immediately.
If you or someone you know has a question about what these changes mean, call or email me anytime. I'm always happy to help.
Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
(702) 326-7866
info@aundreabeach.com
Wednesday, June 29, 2011
For goodness sake...Don't leave free money on the table...
Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
NMLS 333739
The Beach-Greco Team
(702) 326-7866
info@aundreabeach.com
click the link to see the full article:
Are you one of the 40%?
I have a great DVD if you are interested in getting YOUR financial house in order.
Call or email me!
Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
NMLS 333739
The Beach-Greco Team
(702) 326-7866
info@aundreabeach.com
Friday, July 03, 2009
7.3.09
Provided by Aundrea Beach-Greco in the aspiration of earning your business.
MARKET MOOD HAS IMPROVED DREAMS OF HOME OWNERSHIP
We are all in this housing crunch together, and as a financial professional, it is my job to know what types of financial solutions are available for people that may be in a tough position.
Regardless of how bad the Media makes it, here is the cold hard truth. Homes can only fall so far until Rental Yields become so fat and juicy that smart Money Investors step in and buy up the market in droves. That is already beginning to happen.
The market is such that there are wonderful deals to pick from so now is the time to look and pick the perfect Home for you. Many of the surviving Hedge Funds and Private Equity Groups are now raising BILLIONS of new Dollars and getting ready to pounce on distressed Real Estate.
There is still time for people who qualify for the Homebuyers program to get up to $8,000 that will not have to be paid back. If you qualify for the program, the Home must be Closed on or before December 1, 2009.
If you know someone who is renting....Please let them know about this GREAT/UNIQUE Opportunity to help them on their way to becoming a Homeowner.
Thousands of deserving folks just like you have achieved ownership of their “Dream Home” with the help of Aundrea Beach-Greco.
As a Mortgage Advisor, CMP, CMPS, I can serve your the Real Estate financing needs.
I'm highly committed to provide you, comprehensive loan solutions that will meet your long & short term financial plan goals & payment equity objective. I have the training and knowledge to assist you in determining the best loan for YOUR needs. I will help you to make informed choices about your financing options which will ensure the best loan and payment program choice for you and your family.
It is a GREAT TIME to be buying a Home. The market is getting stronger every day and the deals on New and Pre-Existing Homes are incredible. Please don't hesitate to call me confidentially or pass along my name to a friend.
It is my desire to earn your business.
Education is our KEY philosophy. It is KEY to Optimizing your net worth is managing the Equity in your Home to Increase Liquidity, Extend Safety, Improve Rate of Return, and Maximize Tax Deductions.
Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
(877) AUNDREA
(702) 326-7866
www.TailorMyMortgage.com
www.AundreaBeach.com
info@aundreabeach.com
Remember if you ever have questions; please feel free to get in touch.
Let it be known: It is our desire to earn your business and to serve you by providing valuable information that will enhance you both personally and professionally.
Treasury Circular 230 Disclosure -- In order to comply with requirements imposed by the Internal Revenue Service, we inform you that any U.S. tax advice contained in this communication (including any attachments) is not intended to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code. If this communication contains any U.S. tax advice that is used or referred to in the promoting, marketing, or recommending to another party any transaction or matter addressed herein, this communication should be construed as written to support the promoting, marketing or recommending of the transaction or matter addressed by this communication, and the taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. No limitation has been imposed by us on disclosure of the tax treatment or tax structure of the transaction or matter.
Provided by Aundrea Beach-Greco in the aspiration of earning your business.
MARKET MOOD HAS IMPROVED DREAMS OF HOME OWNERSHIP
We are all in this housing crunch together, and as a financial professional, it is my job to know what types of financial solutions are available for people that may be in a tough position.
Regardless of how bad the Media makes it, here is the cold hard truth. Homes can only fall so far until Rental Yields become so fat and juicy that smart Money Investors step in and buy up the market in droves. That is already beginning to happen.
The market is such that there are wonderful deals to pick from so now is the time to look and pick the perfect Home for you. Many of the surviving Hedge Funds and Private Equity Groups are now raising BILLIONS of new Dollars and getting ready to pounce on distressed Real Estate.
There is still time for people who qualify for the Homebuyers program to get up to $8,000 that will not have to be paid back. If you qualify for the program, the Home must be Closed on or before December 1, 2009.
If you know someone who is renting....Please let them know about this GREAT/UNIQUE Opportunity to help them on their way to becoming a Homeowner.
Thousands of deserving folks just like you have achieved ownership of their “Dream Home” with the help of Aundrea Beach-Greco.
As a Mortgage Advisor, CMP, CMPS, I can serve your the Real Estate financing needs.
I'm highly committed to provide you, comprehensive loan solutions that will meet your long & short term financial plan goals & payment equity objective. I have the training and knowledge to assist you in determining the best loan for YOUR needs. I will help you to make informed choices about your financing options which will ensure the best loan and payment program choice for you and your family.
It is a GREAT TIME to be buying a Home. The market is getting stronger every day and the deals on New and Pre-Existing Homes are incredible. Please don't hesitate to call me confidentially or pass along my name to a friend.
It is my desire to earn your business.
Education is our KEY philosophy. It is KEY to Optimizing your net worth is managing the Equity in your Home to Increase Liquidity, Extend Safety, Improve Rate of Return, and Maximize Tax Deductions.
Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
(877) AUNDREA
(702) 326-7866
www.TailorMyMortgage.com
www.AundreaBeach.com
info@aundreabeach.com
Remember if you ever have questions; please feel free to get in touch.
I’m here to help you succeed and reach the
FINANCIAL FREEDOM POINT you’ve been longing for!
Let it be known: It is our desire to earn your business and to serve you by providing valuable information that will enhance you both personally and professionally.
Treasury Circular 230 Disclosure -- In order to comply with requirements imposed by the Internal Revenue Service, we inform you that any U.S. tax advice contained in this communication (including any attachments) is not intended to be used, and cannot be used, for the purpose of avoiding penalties under the Internal Revenue Code. If this communication contains any U.S. tax advice that is used or referred to in the promoting, marketing, or recommending to another party any transaction or matter addressed herein, this communication should be construed as written to support the promoting, marketing or recommending of the transaction or matter addressed by this communication, and the taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. No limitation has been imposed by us on disclosure of the tax treatment or tax structure of the transaction or matter.
Subscribe to:
Posts (Atom)