"HOW TO PURCHASE AND REFINANCE IN A CHANGING MORTGAGE MARKET?" 

1. Be proactive not reactive !

• Work with someone that cares, knows Traditional (Conventional-Government (FHA-VA) and Non-Traditional Programs (Jumbo & Super Jumbo Loans)
• One who illustrates your options, attends your closing and stays with you long after the loan closes.

2.  Get multiple options that meets "Your" short and long term goals ! 

3. Fully understand the pro's and con's of your options and figures !

4. When you see the "Right Loan Program" don't hesitate, "Pull the trigger" !

5. Lock Your Rate and complete your application !

• Get your "Auto Rate Lock Form" to be in a position to lock based on the market opportunity ! 

The choice is yours: Follow the norm or call me for a "Change for the Better a Smarter You"!

Call 404-509-2913 TODAY . . . NOW!!!

"A CHANGE FROM THE NORM"

Today 's "Bank's and Lending Institution's & Investment Firms" in addition to National and Local Home Builders are trying to get over the impact of having to write off hundreds of millions if not billions of dollars from mortgage related issues resulting from "Bad Lending Practices". Many have closed their doors, sold off mortgage branches, laid off thousands and some have stop lending and or building all together. For most to compensate for their losses they have increased their rates in the Jumbo Markets, tightened their underwriting guidelines. Builders have lowered profit margins in their New Home Developments: Free Basements, Leased Automobiles, $10,000+ Gift Certificates, $35,000 in Sale Promotions, longer warranties (smoke n mirrors). Thus Government Bail Out's, Fed Rate Cuts that last for 48 hours. The sad part is that the root of the problem still exist. I'm here to give you a "CHOICE TO CHANGE FROM THE NORM"!

"Bad Lending Practices"

When any Institution or representative will sell a mortgage program to a consumer without fully advising, illustrating the Pro's and Con's and the short and long term financial results of said mortgage program in addition to failing to disclose the total cost and use of fees of said mortgage program (s).

When any Institution or representative will allow a Client to "Self Prescribe" a mortgage program without fully illustrating the Pro's & Con's of not only that program but other programs that may give an alternative solution to the particular needs of that Client. This is just a "Quick Sale" and pay day. Luxury Estate Owners are a prime target for this "Bad Lending Practice" Example: Self prescribing High risk 6 month Libor Arms, short term 5/1 IO Arms and the infamous Option Arms. When the indexes of these loans changes, deferred interest signals a recast of the Option Arm or the term expires and after closing the Loan Officer does not follow up with their client and you in the "Worst Case Scenario" without options just consequences.

1. When the mindset of the Loan Officer is as though he or she's selling you a consumer product (tv, toaster) : "Do you want a 5 year Interest Only Loan - that's a rate of 6.500% and a payment of $1,200 per month, may I take your application now"! Versus a Mortgage Planner's mindset that a mortgage is an financial instrument that offer you multiple options with a full explanation of each option in addition to the short and long term benefits illustrated. Here's How Your Mortgage Options Are Shown To You By Me! 
2. A failure by a Mortgage Consultant to clearly define the Pro's and Con's and the behavior's of the particular mortgage programs you have asked for or that are currently being offered to you. I will illustrate your Purchase and Refinance Options: Offer a Review of your current Mortgage Program in addition to giving you a comparison of 3 alternative Scenario's to consider!
3. Receiving verbal or written quotes of rates and payments as your only means of identifying your mortgage options. Followed by a request by the Mortgage Consultant for you to make a decision to complete a mortgage application based solely on that information.
4. The practice of Selling you a High Risk Mortgage Program based on your current low FICO scores and a derogative credit history without attempting to advise and/or correct or restructure false information within the credit history..
• A failure to "Advise" and the lack of resources to resolve Credit Related Issues prevents you from qualifying for Prime Rate based Mortgage Programs. I can provide a complete Credit History Analysis inclusive of a "What If Scenario" for restructuring your Credit Accounts. BONUS: Credit Scores recalulated after restructuring yields new Bureau Credit Scores. 72 hour process! 
5. Prescribing "Short Term Loans" as a means to keep the consumer(s) in the market place of repeat business (refinance) versus illustrating both Short and Long Term Options and comparing the financial results. I can and will illustrate your Options SIDE BY SIDE for a complete comparison!
6. Selling Option Arm Programs based solely on the "Minimum Payment Option" without a complete illustration and explanation of the Worst Case Scenario's: monthly and long term impact that the Negative/Deferred Interest has on current balance, the approximate Re-Cast Point of the mortgage (36-48) months. I can and will fully illustrate and explain the Pro's & Con's of all Option Arm Programs for "Purchase and Refinance Scenario's" !
7. When you buy a home from a "Builder" and you are obligated to use the "Preferred Lender" and you are "Steered Into" using "One Loan Program" for the sake of meeting the "Builder's Time Line" of accepting your Contract. Bad Practice # 2 - 3 & 4 comes into play. Call me for your Best Options and Services. You will close on time and I'll be with you!!!

THE CHOICE IS YOURS!

LOAN OFFICER/SALES PERSON:

1. Calling on one or two lending institutions that are restricted to their limited programs and rates, working with a poorly trained representatives, who come across professional, pleasantly appeasing and who follows 1 of the 6 or all of the "Bad Lending Practices" listed above? Ask this question, "What services will I receive for the 1% Origination Fee that you charge?" If the answer is "Good service and a good rate". Ask to please explain "Good Service and for what extent does the service last?" 

MORTGAGE ANALYST/PLANNER

1. Calling on one "Mortgage Planner", who's bluntly truthful, not appeasing at all, and who has an extensive knowledge of both Traditional (FHA-VA-Conventional Loan Programs < $417,000) and NonTraditional Jumbo to Super Jumbo > $417,001 - $20,000,000) Loan Programs from a much wider variety of lending sources (better underwriting flexibility, lower rates and larger loan amounts). One having a unique Mortgage System of illustrating multiple mortgage options, the ability to utilize a credit restorative and rescoring service if needed. But most importantly having a personalized advisory service that's with you before you close, attendance at your closing and last but not least of all receiving year after year, after closing, an Annual Mortgage Review of your current mortgage to keep you abreast of the changes in the market place and possible new options available to you. 

THE CHOICE IS YOURS! 

THIS IS THE WORSE METHOD TO CHOOSE ANY MORTGAGE ! 

Give me 30 minutes of your time , call me now 404-509-2913 

Join me ONLINE "LIVE" for a totally "UNIQUE" (PMA) Personal Mortgage Analysis

• THE MOST EFFECTIVE 30 + MINUTES YOU'LL EVER SPEND 
• Compare 4 "Complete Mortgage Scenario's in detail (SAMPLE REPORT)
• PURCHASE OPTIONS: Effective Buyer - Seller "WIN-WIN" Scenario's
• FHA MAX LOAN AMOUNT $362,000 (100% W/ Down Payment Assistance)
• Best financing options with maximum seller concessions.
• Fixed Rate -vs- Short - Long Term Interest Only Arms
• Pro's - Con's of paying or not paying points
• REFINANCE OPTIONS: Fixed Rate -vs- Short - Long Term Interest Only Arms
• FHA MAX LOAN AMOUNT $362,000 in GA.: 95% Cash Out
• Pro's - Con's of paying or not paying points 
• See the short and long term benefits
• Break even periods - Net Savings Benefit
• Equity Repositioning: Cash Out Options
• Compare results: Reinvesting Equity -vs- Paying off loan balance
• Recent Government Report
• Get the best rates and programs that fit your needs
• Get short and long term mortgage advice
• Get "Annual Mortgage Reviews" (AFTER CLOSING)
• Credit history restructuring and rescoring: Improved buying power!

Received a call from me? Important information HERE! 

PURCHASE OPTIONS: Call me for the best Mortgage Options, flexible underwriting guidelines, terms, rates, strong loan to value amounts and service. Before writing sales contract discuss Mortgage Options to create "Best Purchase Offer" to present to Builder/Seller/Listing Agent.

• Compare these Purchase Scenario's SIDE BY SIDE during mortgage conference with me.
• Comparing long term benefit scenario of "Paying Points to "Buy Down" Interest Rate.
• Using Seller's Concessions as an Interest Rate "Buy Down" (Call for Details)
• Fixed Rate -vs- Interest Only Options (Short & Long Term) Bonus Illustration: Benefit of using the monthly savings to reduce current balance or reinvest in interest bearing account for greater return.
• Option Arm Scenario: Making "Minimum Payment Option" and reinvesting savings into interest bearing account for greatest returns.

1. Buyer's & Sellers Options (By Owner and with Agents): I can assist you with the best Sell/Buy Strategies.
2. New Construction: Best Buy Scenario's to assist you in your Purchase Offer. Maximize Builder's Sales Promotions in your best interest!
3. Existing Resale Homes: Best Buy Scenario's to assist both Buyer & Seller (Win-Win Scenario's)
4. Note: FHA MAXIMUM LOAN AMOUNTS FOR FULTON COUNTY IS $346,250. Check here for other counties.
5. Jumbo Loans ( > $417,000): Call me for New Maximum Loan Amounts for Conventional Loans.
6. Super Jumbo Luxury Estates ( > $1,000,000):
7. Custom Construction to Permanent Loans:
1.  < $1,000,000
2.  > $1,000,000 to $20,000,000

REFINANCE OPTIONS: Call me for the Best Illustrations of your Scenario's, Options, Rates and Services.

1. Mortgage Analysis of your Current Loan to (3) Alternative Refinance Options side by side:
2. Analysis of your 6 Month Libor Mortgage Program (6 month libor index has fallen IMPORTANT NEWS!)
3. Sub Prime Loan Analysis: Payoff - Pre Payment Penalty inclusive of a Credit Analysis.
4. Jumbo Loans: ( > $417,000)
5. Super Jumbo Loans: ( > $1,000,000)
6. Construction Loan Modification to Permanent Loan
7. Lower Interest Rate from Purchase Loan (Rate/Term) consolidate 1st & 2nd mortgage!
8. Review your Option Arms: Total Deferred Interest and Recast Point.
9. Fixed, Hybrid Option Arms, Short Term Arms & Inclusive of Interest Only Arms
10. Cash Out Options: Upwards of $500K to an Unlimited  Cash Out Amount

CREDIT ISSUES:

1. Sub Prime Loans restructuring to qualify for Alternative Purchase and Refinance Scenario's.
2. SPECIAL NOTE: Sub Prime Loans today can be refinanced into "FHASECURE" ( < $252,890)
3. Credit Analysis: Account Reviews with updates and rescoring of restructured credit accounts prior to applications for Purchase & Refinancing Scenario's.
• Improves mortgage options: terms, rates, loan amounts.

Express Application Process: Taken by Phone or On-Line

• Complete Application & Loan Documents "Emailed Same Day To You"
• No Delay- Electronic Signature's - Streamlines Process
• Hud-1 Closing Statement reviewed with you prior to sitting with Attorney
• Close within 10-13 days of signing Loan Doc's
• Annual Mortgage Review preformed every year, mortgage market updates & options provided

JUNE PURCHASE - REFINANCE SPECIAL

ALL SIGNED & RATE LOCKED APPLICATIONS TAKEN IN WITHIN THE NEXT 10 DAYS FOR A JULY CLOSING WILL HAVE THEIR APPRAISAL FEE CREDITED BACK TO THEM AT CLOSING!!