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Refinance Today : No Closing Cost . . .
Is your 3 year or 5 year Adjustable losing it luster? Have you just moved into your new home at least 6 months ago? Have you cleared up an or do you need to clear up old or recent credit issues? We are an Atlanta, Georgia based mortgage broker serving clients like you with the latest and most inovative mortgage products nationwide. Our "Mortgage Analysis" clearly spells out your options and advantages, call today.
With Combo "Interest Only Loans" and 1.00% "Pay Option Arms" combined with a HELOC 2nd at Prime (5.75%) creates the greatest "Financial Planning" opportunity yet. New loan programs and opportunities to leverage your home equity can bring you lower mortgage payments to pay off your bills and create new investment opportunities. Call today and start saving thousands within 17 days.
Interest Rates are on the Rise . . . Is a fixed rate mortgage the best choice for you?
Many of us opt for the certainty of a 20 year or 30 year fixed rate mortgage when we get our first mortgage. If you anticipate selling your home within the next 10 years, one of our new hybrid or Combo loans may be a better financial fit for you. Combo loans typically have a lower fixed rate than a traditional 20 or 30 year mortgage.The savings you receive can well be worth switching to a hybrid loan. Ask about a "No Closing Cost" refinance, today.
Don't settle for just a "Good Faith Estimate" to determine the true cost to refinance! We will give you a "Total Cost Analysis" and a "Debt Free Mortgage Analysis" to clearly spell out your true options and benefits.
Are you paying for Private Mortgage Insurance (PMI)?
There are a lot of new loan programs available that can help you eliminate PMI, even if you have less than 20% equity in your home. The monthly savings adds up quickly. This money can be put to better use to help you achieve other short-term and long-term financial goals.
Are your taxes and insurance up to date?
Even though your mortgage servicer is responsible for paying your taxes and insurance out of your escrow account, it just makes sense to periodically check to see that these payments are being made properly. While you’re at it, you’ll want to review your homeowner’s insurance policy. It’s a good idea to review your policy every two to three years to make sure it covers recent home improvements, replacement costs for the contents of your home, and that its reconstruction coverage is keeping pace with inflation.
Do you have a Home Equity Line of Credit (HELOC) for emergencies?
Many homeowners are making the proactive choice to secure a Home Equity Line of Credit (HELOC) for emergencies. A HELOC is a revolving line of credit that only charges interest when you actually draw money from the line of credit. NOTE: You can draw the entire "Line of Credit" out at the closing. Or you may draw from the balance as a savings account. If you choose the to you may repay the balance of the draw, the credit becomes available again. Securing a HELOC in advance can be a great help if you’re ever laid off or have an unexpected medical or other emergency. Get you Financial Plan today. Check out the examples at the "Option Arm" Page and the "100% Financing" Page.
Be careful the "Prime Rate" in moving upwards with all economic factors signaling more movement!
How’s your credit report?
The information in your credit report has a huge impact on whether or not you will again qualify for a mortgage loan. That’s why it’s important to periodically check your credit report. We will provide you with a thorough credit review and analysis with every Mortgage Analysis.
Now it’s even easy to do so. A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each credit reporting company provide you with a free copy of your credit report, at your request, once a year.
To request your free credit report, visit http://www.annualcreditreport.com. (Free reports are being phased in over a nine-month period, rolling from the west coast to the east beginning December 1, 2004. By September 1, 2005, free reports will be accessible to all consumers.)
Are you making the most of your home’s equity?
With rising home prices, you may have more equity in your home than you realize. Taking out a home equity loan to payoff credit card debt, car loans and other higher interest debts makes good financial sense. The Option Arm combined with a HELOC 2nd is the best ticket to make things happen . . . today.
 Is it time to refinance?
What are you trying to accomplish? New rates may help you significantly lower your monthly payment. Or you might want to “cash out” some of the built-up equity in your home, which you can use to consolidate debt, improve your home, take a vacation - reinvest in the market! Perhaps by refinancing you can even pay off your mortgage sooner! Let me help create your Financial Plan.
We'll work with you to determine if the timing is right to change your loan program, considering your cash on hand, how likely you are to sell your home in the near future, and what effect refinancing might have on your future plans.
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