New home construction was up 11% for last month! That's is great news for home buyers and sellers. Interest rates are holding firm at below 6% and we're finally starting to get a response from the banks on the loan modifications. If you are considering buying a new home now is a great time to take action. I can get you pre-qualified using the many tools available through the Mortgage Store USA and find the perfect home for you at the best price through our affiliation with HomeSmart. Check out my websites for more detailed information and search tools.
www.wiseloanmod.com
www.RealEstateAZ4U.com
Remember I can give you the full service, one stop shopping you need in these busy times.
Raymond
Monday, July 27, 2009
Saturday, July 18, 2009
Changes in the Real Estate Market
Interest rates are holding steady but you can still find deals. Housing costs have come down somewhat more and there are many short sales to choose from. If you want help finding the right home for you I can show you the best matches for your home needs.
We have joined forces with Home Smart and soon we'll have a new website up and running.. This site will provide you the answers to you questions about short sales, foreclosures, what's available on the market right now.
As a Certified Short Sale Specialist, I know what it takes to get the job done and my years in the real estate and mortgage industries helps me help you! One of the most important pieces as that you are proactive. Don't wait until the moving truck is showing up at your door. If you are having financial problems now, call me and we'll work through your options. Be it a loan modification, refinance, short sales or outright sale. We cover all aspects of the home sale from start to finish.
www.wiseloanmod.com 480-588-6742 888-670-3775
We have joined forces with Home Smart and soon we'll have a new website up and running.. This site will provide you the answers to you questions about short sales, foreclosures, what's available on the market right now.
As a Certified Short Sale Specialist, I know what it takes to get the job done and my years in the real estate and mortgage industries helps me help you! One of the most important pieces as that you are proactive. Don't wait until the moving truck is showing up at your door. If you are having financial problems now, call me and we'll work through your options. Be it a loan modification, refinance, short sales or outright sale. We cover all aspects of the home sale from start to finish.
www.wiseloanmod.com 480-588-6742 888-670-3775
Tuesday, June 30, 2009
Mortgage Interest Rates
There seems to be much activity in the mortgage interest rates these days. Lots of promises of the lowest rates in history. If you are considering refiancing your current home mortgage or getting a new home mortgage it's important to deal with a mortgage broker known for integrity.
As a working man myself, I understand that today's dollars are hard to come by. Everyone is working extra hard to make ends meet. No one wants to be taken for a ride by dishonest claims or misleading statements. That's why I make sure that I back up everything. I don't make statements just to get you in the door and then give you excuses. I'll tell you the truth right up front. If I can help you I will. If I can't I'll tell you that too.
As a guy from the tough streets in New Jersey (hello Sopranos!) I value honesty and respect. I know that I can't get your respect without earning it and I won't keep you as a client if I'm not truthful. I can stand on my reputation and years in the business community. My past clients will tell you that I work hard to get you the very best rates and to make the process the easiest for you.
Raymond
visit me at www.WiseLoanMod.com where we help you with new homes, refinances and loan modifications.
As a working man myself, I understand that today's dollars are hard to come by. Everyone is working extra hard to make ends meet. No one wants to be taken for a ride by dishonest claims or misleading statements. That's why I make sure that I back up everything. I don't make statements just to get you in the door and then give you excuses. I'll tell you the truth right up front. If I can help you I will. If I can't I'll tell you that too.
As a guy from the tough streets in New Jersey (hello Sopranos!) I value honesty and respect. I know that I can't get your respect without earning it and I won't keep you as a client if I'm not truthful. I can stand on my reputation and years in the business community. My past clients will tell you that I work hard to get you the very best rates and to make the process the easiest for you.
Raymond
visit me at www.WiseLoanMod.com where we help you with new homes, refinances and loan modifications.
Saturday, June 13, 2009
What is a loan modification
Since Obama & Congress released the funds for mortgage rescue people are confused about what a loan modification actually is. How can it help you? What are the steps I need to take? Here are a few questions and answer from our website to get you started.
What is a Loan Modification?
It is a means in which to extend terms, waive penalties and/or waive present funds in the arrears. Lower payments, lower interest rate to as low as 3% and/or re-amortize your existing mortgage.
What is the best solution for you?
As we learn more of your situation we build a solution for you. We find the best solution for you - not the best solution for the lender. You are our client and not the lender. We put your interest before the lenders.
Allow us to get you back on the right trail which fits your current financial situation. Allow us to achieve a loan modification for you at a low cost for a solution with a money back guarantee.
As stated by the FDIC, the following excerpts will help understand the process:
Minimizes Losses on Distressed Mortgages
Once the borrower-specific modification is determined, the servicer must perform a valuation test between the cost of modification and the estimated cost of foreclosure to ensure modification results in a lower cost to the investor. By providing a transparent valuation comparing the cost of the modification and the estimated cost of foreclosure, the servicer fulfills the terms of most servicing.
Key objectives
� Keep borrowers in their homes when the borrower is willing and has the capacity to make an affordable mortgage payment.
� Provide borrowers with immediate payment relief and stable long term mortgage payments.� Modification must always result in a positive NPV outcome for the investor, i.e., the cost of the modification must be less than the estimated cost of foreclosure.
At Wise Loan Modifications, we do all the research for you. We keep abreast of current legislative changes and have the contacts to get the job done. You have the option to use us for the modification or one of the attorneys we affiliated with. We can also have a forensic audit done of your existing mortgage.
I'll be posting updates to this page with more information.
Raymond
www.wiseloanmod.com
What is a Loan Modification?
It is a means in which to extend terms, waive penalties and/or waive present funds in the arrears. Lower payments, lower interest rate to as low as 3% and/or re-amortize your existing mortgage.
What is the best solution for you?
As we learn more of your situation we build a solution for you. We find the best solution for you - not the best solution for the lender. You are our client and not the lender. We put your interest before the lenders.
Allow us to get you back on the right trail which fits your current financial situation. Allow us to achieve a loan modification for you at a low cost for a solution with a money back guarantee.
As stated by the FDIC, the following excerpts will help understand the process:
Minimizes Losses on Distressed Mortgages
Once the borrower-specific modification is determined, the servicer must perform a valuation test between the cost of modification and the estimated cost of foreclosure to ensure modification results in a lower cost to the investor. By providing a transparent valuation comparing the cost of the modification and the estimated cost of foreclosure, the servicer fulfills the terms of most servicing.
Key objectives
� Keep borrowers in their homes when the borrower is willing and has the capacity to make an affordable mortgage payment.
� Provide borrowers with immediate payment relief and stable long term mortgage payments.� Modification must always result in a positive NPV outcome for the investor, i.e., the cost of the modification must be less than the estimated cost of foreclosure.
At Wise Loan Modifications, we do all the research for you. We keep abreast of current legislative changes and have the contacts to get the job done. You have the option to use us for the modification or one of the attorneys we affiliated with. We can also have a forensic audit done of your existing mortgage.
I'll be posting updates to this page with more information.
Raymond
www.wiseloanmod.com
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