Real Estate Agents - Get The Unfair Advantage

Real Estate Agents - Get The Unfair Advantage

Secret weapon: How to attract buyers & sell more listings...

If you're like most of the top-producing Realtors I work
with, you're sick and tired of parasite mortgage brokers
who feel entitled to just to suck you dry of referrals
without providing any REAL UNIQUE VALUE in return.
Can you relate?

As far as I'm concerned, your mortgage pro should
be one of your most valuable assets, who doesn't
just provide "great rates" and "great service" --
that's a minimum expectation -- but provides
killer-effective marketing systems that put more
dollars in your wallet. In short, they should be
your SECRET WEAPON -- an irreplaceable,
indispensable asset on your team.

With that in mind, here's a quick 3-minute video
showing how I help my Realtor Partners attract
more quality listings and sell them faster for
top dollar.

Well, what do you think?
Can you see the value in using a system like this?

I'm looking forward to hearing form you. Cheers!

To your success,

Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
NMLS 333739
702-326-7866
info@aundreabeach.com
www.iLendLasVegas.com

Can you use a conventional loan 3 years after foreclosure?  The quick answer is no, but let’s dig a little deeper since Freddie Mac has a program for just that...

Individuals who have lost their home due to a foreclosure may think that meeting the requirements necessary for a new loan may take several years. This is not necessarily true as there are many options for a family or individual to buy a home after a foreclosure has occurred. A few options may already be available with FHA financing, second chance financing or conventional financing.

Credit Report

A foreclosure will stay on an individual’s credit report for seven to ten years. This often means individuals are in a seven year waiting period before they can try again to apply for a mortgage. One interesting aspect is that circumstances, such as a divorce, medical bills, and long-term unemployment could shorten the wait.

Credit Score

Obtaining a loan to buy a home is extremely challenging with a low credit score. One way to help get a credit score back on track is to get a credit card and start building back a suitable credit history. However, there needs to be an awareness of the purchases that are made and making payments on time. This is generally the first step to take on the road to obtaining a conventional loan 3 years after foreclosure.

FHA Loans

A home loan from the Federal Housing Administration is available three years after a foreclosure. This option is now available to anyone who meets the qualifying criteria. A borrower must have been kept up on their current mortgage or have used an installment sale. Installment sales are when a home is sold with the proceeds used to pay the loan amount in full.

The benefit of an FHA loan is borrowers only need to have a 3.5 percent down payment and pay a monthly mortgage insurance premium. Current interest rates are at historic lows and the payments per month should be reasonable.

Conventional Loans

The only way to obtain a conventional loan 3 years after foreclosure is to have re-established credit along with at least 10% down payment.  One thing that is necessary is to view the current loan standards set by Freddie Mac. A mortgage advisor may also be able to help with the task of documentation.

Second Chance Home Loan Program

Individuals who have a credit score of at least 620 and 20% down can apply for this program at least one day after the foreclosure process or a short sale.  Check with us about the requirements to see if you may qualify for this Loan Program.

Should You Use a 401k Withdrawal For Home Purchase? (Pros/Cons)

Your 401K is one of the most powerful retirement investment vehicles you have, and the best way to make it grow is to keep investing and leave it untouched until you’re well into your 60s. But sometimes, life throw’s a curve ball and you need a lump sum to meet a major life expense – like purchasing your primary home. In other words, should you use a 401k withdrawal for home purchase?

Taking money from your 401K seems like a good choice – it’s your money, so why shouldn't you use it? Most retirement blogs or guides you read warn strongly against 401K withdrawals, thanks to penalties and fees for taking your money out early (this is a retirement account, after all). But is it always a bad choice? And what are your alternatives?

Instead of withdrawing money from your 401K for your down payment:

• Consider taking a second mortgage from your lender – or from another lender – to cover the down payment.
• Ask your lender if they can provide a larger mortgage – say 90% or 95% of the home’s value – by having you pay private mortgage insurance. PMI will increase your monthly costs – so be sure and add that into your “can-I-afford-this-mortgage” calculation – but it’s one more way to get you into the home you want.
• Take a loan from your 401K rather than withdrawl. Many people don’t know they can use their 401K as a source of loans (assuming your employer allows it). In this scenario, your account serves as a lender; you pay interest, but that interest is paid back into your account, to help make up for the earnings you’ll lose by taking out some of the principal. Here, the major risk is that if you lose your job before paying back your loan, you have to pay back the loan in full within a pretty short period of time – usually a couple of months – or else it will be considered a withdrawal and all those penalties will apply.

So how do you decide which is the best option for you? The first steps are to determine what your options really are:

• Ask your employer if they allow loans from your 401K account; if they don’t, obviously this option is off the table.
• Ask your lender if they’ll loan more more with the option of PMI.
• Shop around to see if you can qualify for a second mortgage to cover the down payment.
• Ask your lender about Down Payment Assistance Programs or Grants.

Once you know what options are available to you, you need to sit down with a calculator to figure out.

Contact me if I can be of service, but don't let the lack of a down payment stand in your way of homeownership.'

Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS

702-326-7866

info@aundreabeach.com
www.iLendLasVegas.com

Contact which option is the best choice for your budget and your income.

16 ideas to help you with money for down payment on a home

Coming up with a down payment to buy a home is one of the biggest obstacles that renters stumble on when they want to become homeowners. That's why during tax season, many homebuyers turn to their tax refunds as a down payment option.  Here's some advice on the many ways you could make it happen, along with 4 dead-end options to avoid.

First, a few tips:
Check with your mortgage professional that the source of your down payment is approved with your loan guidelines.   Ask real-estate agents about state and local housing incentives, grants and loans and what local lenders like myself offer.   Some down-payment ideas are safer than others; a few have toxic consequences to your taxes or retirement savings. Study your options carefully and review your plan with a certified public accountant or a nonprofit housing counselor approved by the Department of Housing and Urban Development.

1. Pull from savings: The time-honored way to fund a home purchase is to set aside money each month. Use an automatic electronic transfer through your bank or credit union. Choose an account that that earns the most interest possible while letting you access the money.
2. Liquidate miscellaneous assets: Sell your nice car, buy a beater and apply the difference to your down payment. Sell your boat, motorcycle, collectibles or other assets. Use your tax refund. Call in money that people owe you.
3. Sell stock options: If stock options are part of your compensation, selling them might earn you cash. Contact your human-resources department to learn the rules.
4. Sell taxable investments: Sell stocks, mutual funds, bonds and other taxable investments before touching money held in tax-deferred retirement accounts, such as 401(k)s and IRAs, which require you to pay significant penalties when you sell.
5. Cash in a life-insurance policy: So-called permanent life insurance policies (not "term" policies but "universal" or "variable universal life" or "whole life" policies) grow in value as you pay into them. When enough value has accumulated, you can take cash out or borrow against them. Talk with your insurance agent to learn your options.
Caution: If you no longer need the insurance, this could be a nice source of ready cash. But first-time homebuyers usually are young, have children and need the protection of insurance; withdrawing money from a policy could reduce or eliminate your death benefit, leaving your family in financial trouble if you die. You also can lose coverage if you borrow against the policy but don't pay it back. Ask your insurance agent to outline the pros and cons. Call your state's insurance commissioner's office if you have questions.
6. Use a gift: Some mortgages – loans insured by the Federal Housing Administration, for example – let you apply gifts from immediate family members toward your down payment. You’ll need a "gift letter" from the person who gave you the money, verifying that it doesn’t have to be repaid. Be prepared for the lender to ask for copies of checks or wire transfers.
7. Try your employer: Some corporations, universities and local and state governments have programs to provide employees with down-payment assistance. Check with your human-resources department. For example, in South Dakota, 19 employers participate in a state-sponsored Employer Mortgage Assistance Program that lets employees take out a 2% interest rate second mortgage for $600 to $6,000 to cover closing costs and down payment. Each year, the city of Baltimore and state of Maryland contribute as much as $6,000 to 100 city employees (PDF) to help them buy homes within the city. These programs are meant to help keep valued employees in their jobs and closer to work.
8. Enlist a partner to purchase with you: A co-owner can help by sharing costs, including the down payment, and by signing on to be responsible for repaying the loan if you can’t quite qualify for a mortgage. A lender can explain the details.
9. State grants and loans are a potentially useful but constantly changing pool of down-payment money distributed through local and state agencies. Usually, these require a government-insured FHA mortgage. Funds are usually claimed quickly and programs expire or change frequently. Act early to be considered, or add your name to a waiting list.
Caution: Don't get roped into paying for "help" to obtain government grants and loans. Scammers and middlemen offer to guide you or qualify you for a fee, but you’ll get safer, cheaper advice from a HUD-qualified housing counselor.  Ask us for more information.
10. Your lender:  The lender might be willing to offer you a higher interest rate in exchange for helping you with some of your closing costs. In this case, the lender pays a portion or all of your closing costs because of the higher interest rate and you pay a slightly higher monthly mortgage payment instead of as an upfront chunk of cash.
Caution: Depending on how long you keep the home, paying a higher interest rate than necessary could, over a loan’s lifetime, cost more than the down-payment help is worth.  Ask your morgage professional to help you calculate if this is worthwhile.
11. Your seller (including builders): Buyers have a lot of leverage with sellers today, at least in some parts of the country. Ask your real-estate agent to help you search for sellers who are offering to cover closing costs.  Propose that the seller help with closing costs when you’re negotiating sales price.
Sellers sometimes will sweeten the deal by purchasing discount "points" that lower your interest rate, letting you use more of your cash for the down payment. Each point costs 1% of the loan amount and can be used to reduce your rate by 0.125 to 0.25 percentage points. (If your mortgage was for $150,000, the seller might buy one point, for $1,500, potentially lowering your interest rate from 5.25% to 5%.) This would lower your monthly payment from $828 to $805.
Caution: Pushing a seller too hard to lower the price and make other concessions could ruin the deal. Be prepared for the seller to ask for a higher purchase price in exchange. Then the question is: Will the appraiser find the home worth the higher price?
12. Seller financing: Infrequently, a seller may be willing to act as your banker. It might be possible to strike a no- or low-down-payment deal with a seller who owns the home free and clear. But if the seller has a mortgage, you’ll need to qualify for a loan just as you would with a bank, including a down payment.
13. Your real-estate agent: Agents don’t like to admit it, but occasionally some will give up a portion of their several-thousand-dollar commission to keep a sale from falling through. Approach this conversation with tact and care.
14. Your new employer: Your leverage with an employer is never better than when you are first signing on. Depending on the company and how badly your skills are needed, you might be able to negotiate a contribution toward your down payment as part of your benefits package, as a signing bonus or in place of a relocation allowance.

Yes, you can cash out retirement accounts. But don’t do it. The ground lost in saving for retirement isn’t worth it. Also, the Internal Revenue Service penalties for removing cash from a tax-protected account before you retire are steep.
However, here are two less expensive (but still ill-advised) ways to leverage your retirement savings:
15. Tap your IRA. There’s an exception to penalties on withdrawals from retirement accounts that lets first-time homebuyers withdraw up to $10,000 from an IRA to use as a down payment on a home purchase.
Caution:
Remember to declare the income on your taxes (you were excused from paying tax on it when you put it into the IRA, remember?)  Be sure to chat with your accountant before doing this.
16. Borrow / liquidate from your 401(k): Most companies let employees borrow from the balance of their 401(k) accounts. Rules vary but, generally, you can extract as much as half of the vested amount in the account, up to $50,000. As you repay it, the money, including the interest, goes back into your 401(k). The plan administrator at your workplace can outline the specifics, including how long you’re given to repay the loan.
Caution:
As long as you repay the loan, you won’t be taxed on the money until you withdraw it in retirement; unlike a mortgage loan, the interest you pay on this loan is not tax-deductible.
As with the IRA withdrawal, this is considered a bad idea because it sets back your retirement progress.  If you leave the employer for any reason before repaying the loan, you’ll have to repay the entire thing at once. Don’t say we didn’t warn you.

Dead-end options to avoid
You may have heard from friends and family about other strategies. Chances are, changing rules or interest rates have made them less effective. Don’t waste much, if any, time pursuing these:
1. Peer-to-peer lending: Websites such as Prosper.com and Lending Club essentially create a marketplace for people to directly lend and borrow money. The idea is that the lenders reap interest, borrowers get cash and the site collects fees. But Prosper, for one, has not funded one down-payment loan in the last year. CEO Chris Larsen speculates that's because piling a down-payment loan on top of a mortgage is unwise and unlikely to attract Prosper lenders.
2. The American Dream Downpayment Act was a federal program of grants up to $10,000 to first-time buyers, but no longer is offered.
3. Private nonprofit gift programs: Until late 2008, a special category of seller-funded nonprofit programs was able to channel up to 6% of the purchase price of a sale as a "gift." Federal law now prohibits seller-funded down-payment assistance, which means that programs run by AmeriDream, the Nehemiah Program, GAP, Homes for All and RealtyAmerica have all been closed.
4. Section 8 homeownership vouchers: Low-income buyers may be able to get help through this federal program, but you and the property must meet the qualifications. "The unfortunate part of the program is that there are too many variables involved," Hawkins says. "In all my (10) years in real-estate and financial counseling, I’ve only seen it used one time."

 If you need help seeing what you qualify for, please dont hesitate to contact me.

My Best,

Aundrea Beach-Greco
The Beach-Greco Team
Mortgage Advisor, CMP, CMPS
NMLS 333739
(702) 326-7866
info@aundreabeach.com
www.iLendLasVegas.com

Doctors, lawyers, even beauticians adhere to strict education requirements and licensing. Do you want someone who is not bound to certain mortgage licensing standards looking at your credit and finances? Consult a Certified Mortgage Planner (CMPS)!
 

*** Aundrea has been lending in our community since 1997 and still going strong! *** 

What is QM and how will it affect mortgages in Las Vegas?

Many people are asking what will happen when QM aka: DF14 (Dodd Frank 2014 rules)
 hits the street in January 2014 and it will be business as usual for us...

What you may have heard: 
Word on the street is that many borrowers who otherwise would have qualified will not qualify after QM is in place.  A misnomer is if the government doesn't want to be involved in mortgages, they are going to make it really difficult to get a mortgage that they have to insure.

First of all let me start by easing your minds... Most of this rule has been followed by most lenders for quite a while now, you just didn't know it.

What to expect: 
Some portions of the rule are simply not going to affect any of us; no more 40 year terms, no more stated income loans, no more interest only loans; those are about 6 years too late!

More important are the items which could affect new home loan applications after January 2014, the biggest of which is ATR – Ability To Repay. Within the ATR rule, the item that stood out most was the cap on DTI (debt to income) ratios at a max of 43%. Now, had it not been for the 7 year reprieve that was built into the rule we may have been in trouble. The rule basically states that as long as Fannie/Freddie, FHA/VA and USDA don’t come out with their own restrictions on DTI AND you receive an automated underwritten approval then the 43% DTI restriction won’t apply for the next 7 years.  Again, business as usual for us...

Where this will come into play is if you have a manually underwritten file or a file that received a  DU/LP Refer, the DTI cannot exceed 43% under any circumstance.

Here are some of the other items that are required to ensure we have documented the borrower’s ability to repay:

•Income should be verified through a third party.
 Most lenders already order 4506T on all files
•All debts will be considered as part of the DTI ratio.
•Assets will be verified for a minimum of 2 months.

Here are a couple of additional items that fall under the new rules that take effect January 10, 2014:

•Copy of the Appraisal must be given to the borrower 3 business days prior to closing. This rule has been in place for some time now and we still have the ability to waive the 3 day wait period.
•Maximum cap on fees charged to the borrower as follows:
3% of the total loan amount for a loan greater than or equal to $100,000
$3,000 for a loan greater than or equal to $60,000 but less than $100,000
5% for the total loan amount greater than or equal to $20,000 but less than $60,000
$1,000 for a loan greater than or equal to $12,500 but less than $20,000

2 important points here – this does not apply to investment properties and we do not lend less than $50,000.

So as you can see,  it’s going to be business as usual...

If you or someone you know is a victim of QM, contact me.  We are licensed in 28 states and we will help you. The new QM rules shouldn't hinder you or someone you know from obtaining a mortgage.

Aundrea Beach-Greco
The Beach-Greco Team
Mortgage Advisor, CMP, CMPS
702-326-7866
info@aundreabeach.com
www.TailorMyMortgage.com

Yes, VA Loans Are Available After a Bankruptcy, Foreclosure or Short Sale

Yes, You Can Get a VA Home Loan After a Bankruptcy, Foreclosure or Short Sale

Yes, you can get a VA home loan after a bankruptcy, foreclosure, short sale, or deed in lieu. You only need to wait two years from the date of the “event” (foreclosure, short sale, etc). The two year rule also works for a discharged bankruptcy. It is important to note that this two year wait period is the shortest for any type of Conventional/Government home financing. The FHA program requires a three year wait period after a foreclosure. Both Fannie Mae and Freddie Mac require a 7 year wait period after a foreclosure. With both agencies the wait time could be shorter if there were “extenuating circumstances”, but proving extenuating circumstances is not an easy task. 

Flexible Credit Qualifying for VA Financing

Not only is a VA home loan more lenient when it comes to prior credit issues, but also is just a better program all the way around, at least for those Veterans with entitlement available for the program.  VA allows Veterans to purchase a home with no down payment.  

FHA, a government loan program available to anyone looking to buy a home, requires only 3.5% down payment. However, the monthly mortgage insurance on an FHA loan is also very high. VA, even with no down payment, has no monthly mortgage insurance. On a $400,000 loan amount, the difference in payment just because of the FHA mortgage insurance would be approximately $450 per month. (The FHA mortgage insurance factor for loans at 96.5% loan to value is 1.35%. 1.35% x $400,000 divided by 12 = $450 per month).

Re-Established Credit is Critical

If a Veteran really wants to enter the real estate market after a major credit derogatory, it is critical that they work on repairing and rebuilding their credit. They should make sure the “event” is reporting correctly on their credit report. Many times after a foreclosure, the foreclosed lender will continue to show a balance on the mortgage. This is not correct. After foreclosure the balance should be $0. A short sale will sometimes appear on the credit as a foreclosure. It should read SETTLED_LESS THAN FULL BALANCE.

Get a copy of your credit report immediately.  If you see errors on your credit, then contact a credit specialist for the best way to correct it right away. If you would like a FREE credit report and consultation, contact me.  Also, open new accounts in order to rebuild your credit. This should all be done before the two year wait period is up. A Veteran who has planned ahead and re-established their credit will be in position to buy a home at the end of month 24 after their foreclosure, short sale, or bankruptcy.

Lender Guideline Overlays for VA Home Loans

A Guideline Overlay occurs when a lender does not directly follow the standard VA guidelines. A common overlay is for a VA lender to require a longer wait period after a foreclosure or short sale when the loan amount is greater than $417,000. In many parts of the country this wouldn’t matter much. However, in some high cost counties in other states like Orange County and Los Angeles county, this can be a problem. The ZERO DOWN loan limit in Clark County, NV (2013) is $417,000. This means a Nevada Veteran buying a home in Las Vegas with a VA home loan could borrow up to $417,000 and would not need a down payment. But many lenders wouldn’t approve this if the Veteran had a foreclosure two years prior. This is why it is important that the Veteran get Pre-Approved by a local Nevada VA direct lender before making an offer on a home. The Veteran needs to find a lender who will follow VA guidelines without overlays. Also the lender will be able to provide custom VA home loan scenarios with details on the purchase price, loan amount, payment, and closing costs associated with a VA loan.

Contact me for more details or to get pre-approved.

Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
702-326-7866
info@aundreabeach.com

FHA 203K Realtor Tips - How to write a 203K purchase contract

How to Write a FHA 203K Purchase Contract

If you’re a Realtor chances you are, in some capacity, working with foreclosures, short sales or other types of distressed property. You are also battling an inventory shortage that is affecting the ability to find a home, any home, for your potential buyers.

The FHA 203K Loan can help you on both fronts. It allows for buyers to finance neglected properties since property condition is not an issue for renovation loans AND it also increases the pool of potential properties for finicky buyers. They don’t need perfection in their potential homes because they can perfect it themselves, with their own touches as part of their renovation mortgage.

Before I get into the details on what you need to expect, how you write the 203K offer and the other caveats to 203K financing, I want to say one thing – WORK WITH AN EXPERIENCED RENOVATION LOAN OFFICER.

Now that we have that out of the way, on to the task at hand.

Writing a FHA 203K Purchase Offer

• Put 203K in the Purchase Contract – Many lenders require this to be there, but it also lets the seller / listing agent know that those property condition issues that have killed deals in the past are NOT going to be an issue this time around.

• Provide for a Longer Contingency Period – Best practice says allow for enough time to get the Home Inspection AND a Contractor Bid. 70% of my clients underestimate the the cost of the renovation initially.

• Give at least 45 Days to Get Closed – 203K Loans have more 3rd party items, give some additional time for the buyer to get a couple contractors to the house AND give the contractors time to price accurately.

What to Expect During Your FHA 203K Transaction

• Expect the Appraisal to Come Later in the Process than You Are Used To – 203K Appraisals are based on after repair value. You have to have the contractor bid FIRST before we can do the Appraisal

• Expect to Provide More Access to the Property – Inspectors, Contractors and (sometimes) 3rd Party Consultants will all need access to the property.

• Keep CALM – There’s more going on with a 203K Loan. More 3rd parties and more potential for delays. If you’ve heeded my initial advice and have chosen and experienced loan officer you’ll be fine even with a delay or two. You need to keep calm because if something does come up that slows the purchase down your calmness will ensure the listing agent stays cool as well.

All in all FHA 203K loans are not that much more difficult from the Realtor’s side. This is especially the case if you have chosen an experienced RENOVATION SPECIALIST to work with. Have I driven that home enough yet?

Now, get out there and sell someone a foreclosure already! Oh, 203K Loans are not just for distressed property, you can use them on move in ready homes as well. Don’t limit yourself, sometimes your buyer’s need some help seeing the vision.

Need a FHA 203K PRE-APPROVAL? We have you covered in 28 states, just click to contact me and we’ll get back to you within hours to walk you and your clients through the process and pre-approval phase.

Aundrea Beach-Greco
Mortgage Advisor, CMP, CMPS
702-326-7866
info@aundreabeach.com

Only 1/2% Down Payment Needed

Trying to buy a home, but saving the down payment and closing costs a challenge?  Sellers or builders won't contribute to your closing costs?
We have a loan program that can help.
Contact me today to see if you qualify!
702-326-7866
info@aundreabeach.com

Now Is the Time for a HARP Refinance

Underwater on your mortgage and still haven’t refinanced? You may think that you missed the window or are not eligible, but with interest rates still near historic lows and an expanded Home Affordable Refinance Program (HARP) it may be within your reach.

While it’s true that home prices have risen steadily over the past year and a half, approximately 24 percent of American homeowners are still underwater on their mortgages. This is especially true of those living in areas hardest hit by the housing and economic crisis. The Federal Housing Finance Agency (FHFA) estimates that there are between 1 million and 2 million borrowers eligible for HARP who are underwater are paying above-market interest rates. You could be one of them.

Why do a HARP refinance?

Borrowers nationwide are reaping significant savings — either by lowering their payments, reducing their interest rates and/or securing a fixed rate. Homeowners who refinanced through HARP during the first quarter of 2013 will save an average of $4,300 in interest payments during the first 12 months.

Take homeowners Josh and Kelly in Tampa, FL, who were $80,000 underwater on their mortgage. By refinancing under HARP last year, they were able to lower their interest rate by nearly 2 percent, reducing their monthly payments by about $520.

And HARP is now simpler than ever. So if you were already turned down before, try again because recent changes to the program are designed to help more homeowners no matter how far your home has fallen in value.

Why now?

While the program has been extended through the end of 2015, the time to act is now!
Interest rates on 30-year fixed mortgages have increased nearly a full percentage point since mid-May, and we do not expect them to return to the historic lows seen late last year and the first part of 2013.

However, mortgage interest rates are still comparatively low. Looking back to the mid-2000s, the average 30-year fixed interest rate was around 6 percent. Freddie Mac’s chief economist expects rates on the 30-year fixed rate mortgage to remain around 4.5 percent for the rest of the year.

Given that nearly half of the 30-year fixed rate mortgages owned or guaranteed by Freddie Mac or Fannie Mae have rates of 5 percent or greater, lots of homeowners stand to benefit from acting now.

Get started

More than 2.8 million families have already benefited from the program, and you could, too. If you are current on your payments and your mortgage is owned by Freddie Mac or Fannie Mae, get started now by following these steps:

1. Determine if Freddie Mac or Fannie Mae owns your loan.
2. Gather your financial information.
3. Contact us.
   Aundrea Beach-Greco :: Mortgage Advisor, CMP, CMPS :: NMLS 333739
   702-326-7866
   info@aundreabeach.com :: www.TailorMyMortgage.com

We are licensed in 28 states.  

Article provided from Tracy Hagen Mooney

Lender Paid versus Borrower Paid Mortgage Insurance

Structure the Best Deal 
With New PMI Options


When evaluating a LPMI program you should consider which option makes more sense.

For more information, contact me:
info@aundreabeach.com 

The Beach-Greco Team
Mortgage Advisor, CMP, CMPS
info@aundreabeach.com
(702) 326-7866
** Aundrea has been lending for over 16 years and still going strong **

New American Funding | 8379 W. Sunset, Suite 100 | Las Vegas, NV  89113 | NAF NMLS 6606
Office Direct (702) 331-8364 | efax (888) 738-5188

CONFIDENTIALITY NOTICE
This email message and any attachments are for the exclusive use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply email and destroy all copies of the original message along with any attachments, from your computer system. If you are the intended recipient, please be advised that the content of this message is subject to access, review and disclosure by the sender's Email System Administrator.
Want a signature like this? Get Yours Today! myesig.com