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

1. Jumbo Loan Amounts > $417,001 - $2,000,000 +

• Fixed Rates - Interest Only Arms - 6 Month Libor Arms
• Full Doc & Stated Income Verified Assets

2.  Conventional Loans < $417,000

• 97% LTV Purchase Option

3. FHA - FHA PLUS - FHASECURE: < $362,791

• 97% LTV + 3% Down Payment Assistance = 100% LTV Purchase
• Interest Rate Buydown for Purchase & Refinance Scenario's
• 95% Cash Out Refi (Limited Time - Expires Nov 2008)

4. Home Equity Line of Credit & Fixed Rate Installment Loans

• Upwards of $500,000 Stand Alone or Purchase Money 2nd's

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!!!

CLOSE WITHIN 10 DAYS!

"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, up to $100,000 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"!

THE CHOICE IS YOURS!

LOAN OFFICER/SALES PERSON:

1. Can you really see the long or short term differences of one loan over another by just comparing a Good Faith Estimate an interest rate and a monthly mortgage payment? If so why are so many Americans facing losing their homes or losing equity monthly through Option Arms and or playing Russian Roulette with a short term 6 month Libor Arm without the true understanding of the loan other than just watching a fluctuation monthly payment. Are you calling on one or two lending institutions not knowing they are restricted to their limited programs and rates, working with "Mortgage Sales" persons not Consultants who come across professional, pleasantly appeasing but who only offer you "Payment and Rate Options. Afterwards you are asked to make a Million Dollar decision a complete an application. Isn't this the same sales method that you used to get your current mortgage without any follow up of your current mortgage status? It's time you gave yourself a much more effective method of analyzing and seeing a mortgage as a financial vehicle that can build equity/liquidity rather than an installment loan that you just make payments to. But most importantly by calling me you have a Mortgage Analyst that cares about you long after closing. I'm one who's able to see current market factors compare them to your current loan and keep you informed. You can call on me anytime as your financial needs change. 

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
• PRIMARY RESIDENCE - SECOND HOMES - INVESTMENT
• JUMBO LOANS: FULL DOC
• JUMBO LOANS: STATED INCOME VERIFIED ASSETS UP TO $2,000,000 AT 75% LTV
• FHA MAX LOAN AMOUNT $362,791 (100% W/ Down Payment Assistance)
• FICO SCORE AS LOW AS 580 (FHA)
• 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
• PRIMARY RESIDENCE - SECOND HOMES - INVESTMENT
• JUMBO LOAN AMOUNTS: > $417,001 - $10,000,000+
• Analyze your current 5/1 or 6 month Libor Arm
• FHA MAX LOAN AMOUNT $362,791 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.
• Buyer's & Sellers Options (By Owner and with Agents): I can assist you with the best Sell/Buy Strategies.

1. New Construction: Best Buy Scenario's to assist you in your Purchase Offer. Maximize Builder's Sales Promotions in your best interest!
2. Existing Resale Homes: Best Buy Scenario's to assist both Buyer & Seller (Win-Win Scenario's)
3. Note: FHA MAXIMUM LOAN AMOUNTS FOR FULTON COUNTY IS $362,791. Check here for other counties.
4. Jumbo Loans ( > $417,000): Call me for New Maximum Loan Amounts for Conventional Loans.
5. Super Jumbo Luxury Estates ( > $1,000,000):
6. 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 & Refinance out of your Option Arms: Total Deferred Interest and Recast Point.
9. 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 SEPTEMBER CLOSING WILL HAVE THEIR APPRAISAL FEE CREDITED BACK TO THEM AT CLOSING!!