Posts Tagged ‘Refinance’

Learn how you can refi your loan from Conventional to FHA

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How do the professionals decide whether its a good idea to refinance?

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(480) 839-6709 www.456LOAN.com
Mateo Garcia Mortgage Broker

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http://SeanLaRue.com
Your KEy To Moving Home!

Rehab Loans for foreclosed properties are becoming popular. Sean La Rue wants to make sure you have all the up-to-date information needed to buy a home in today’s market. First home buyer? No problem, Sean is an expert working with hundreds of families like you. Go to www.SeanLaRue.com to apply for a home loan today. This video talks about rehabilitating a home and completing the work you want done fast and inexpensively. Follow Sean @SeanLaRue … Images and Intro by Ian La Rue www.laruephoto.com Call me Sean La Rue 760-835-5663

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This is about how Dave learned the hard way to only work with a trusted mortgage professional. If you are thinking about buying a home of refinancing, give me a call… I can help. And whatever you do… don’t work with Frankie. dustin360.com.

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CalSTRS Standard Conventional loan programs can be used for purchases with down payment, cash out and rate and term refinances

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http://www.realpro.la FHA Prequalification and Buying vs Renting and the buyer’s closing costs. The REALPRO for Windows program will accurately calculate these details for you, the real estate or mortgage loan professional, and your client. http://www.realpro.la/blog The down payment, loan, total payment and closing costs are calculated, including the APR

REALPRO is the only computer/software made exclusively for the Real Estate/Lending Industry to give you exact figures – anywhere you need them! Throw away your pencils, papers, calculators and charts!! REALPRO answers your client’s financing questions in a matter of moments … and prints them out, too!

The REALPRO System is preprogrammed to calculate these important functions and is the best way of plugging into the information that keeps you at the cutting edge of the Real Estate/Lending Industry.

Loan Rep Advantages

Calling on Real Estate Offices

* Prequalify borrowers in seconds whether in your office, the real estate office, or out in the field
* Quote in print – any loan, FHA, VA, Conventional, whether fixed, adjustable or graduated payment – in seconds, along with a buyers cost sheet, without ever looking up a chart
* Amortize your various loans when asked, without complicated charts
* Prequalify homes for your real estate agents so they know what income to look for when holding an open house
* Enhance your professional image so that agents have enough confidence in you to involve you in the transaction
* Show the type of instant service and professionalism you can offer
* Be more impressive than your competition and have Realtors choose you!

Working With Borrowers

* Print financing options & PITI (& PMI, if applicable) on any loan in moments
* Buyers costs itemized & printed with automatic title, escrow, credit report, appraisal & recording fees and more
* Prequalify clients so you know what properties you can show them
* Impress them with your professionalism so more choose you to be their agent
* Prequalify your borrowers under several loan options in moments and allow the client to pick the best loan for themselves
* Show first-time borrowers a Buy vs. Rent justification so that they understand the value of home ownership after monthly tax savings, principle paydown and appreciation

Refinancing

* Show clients their refinancing options in seconds, whether theyre interested in cash back or break-even terms
* Prequalify clients in seconds so that you know you have a viable transaction

Working With For Sale By Owner Clients

* A great way to pick up additional business is to show For Sale By Owner sellers that you can be a valuable asset in determining if their borrower is qualified.

YOU can do what they cant!

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http://www.mortgagehelplosangeles.com Whether you need FHA financing, conventional refinance, short pay refinancing, or want to take advantage of the first time homebuyers’ tax incentive, Bill Rayman is the mortgage consultant for you. He can help with residential, vacation, investment or commercial property financing. His website is chock full of helpful directions for every aspect of mortgage loan financing. Visit the website at http://www.MortgageHelpLosAngeles.com. You can call Bill at 310-295-6213

Video produced by Page1Listings.com

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https://jasonlcarlson.com/VA_FHA_Conventional_Loans.html If you are looking for the lowest mortgage rates look no more. We have access to over 30 wholesale lenders that will get you into the loan program you desire.
You can reach us at 866-788-9187
Here is a list of the 30 plus lenders we work with: Bank of America, Countrywide, Flagship Financial Group, LLC, Freedom Mortgage, Metlife Home Loans, New Line Mortgage, Wells Fargo Prime, Wells Fargo, 360 Mortgage Group, Advancial Mortgage, Cailber Funding, Direct Mortgage Wholesale, Direct Mortgage, Everbank, First American Mortgage Trust, First Mortgage Corporation, Flagstar, FPF Wholesale, FPF, Franklin American, Funding Pool, Genworth Financial Equity, Idaho Housing and Finance, ING Mortgage, James B. Nutter Reverse Mortgage, JP Morgan Chase Bank, Liberty Mortgage Corporation, M and I, M and T, Mortgage Solutions of Colorado, LLC, NMC, Pacific Union Financial, Pinnacle Capital, Plaza Home Mortgage, PRMG, Security National, Stearns Lending, Sun West Mortgage, United Wholesale Mortgage, US Bank, Washington Federal Savings, West Town Savings Bank
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Flagship Financial Group License Agreement
https://jasonlcarlson.com/uploads/About_Jason_Carlson2.pdf

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Tax on 1099C, Cancellation of Debt Income; Short Sale, Loan Modification & Foreclosure. Exception; Mortgage Forgiveness Debt Relief Act, Bankruptcy & Insolvency. Go To http://RealEstateMarketingThisWeek.com

Part 6 (Excerpts)

Arizona is not a recourse state, so chances are you will not owe 1099 C Income

In Arizona, typically its not a recourse state, so if they are telling you that theyre going to garnish your wages because you didnt pay back your entire mortgage, there is a local bank ,that was threatening a very good colleague of ours about a small second mortgage that person had taken out. Threatening to send it to collections and garnish her wages. It simply isn’t going to happen.

But nevertheless, there is still the tax implications that apply, if you need to navigate through this maze. There is a lot to it, you need to protect yourself. You talked about bankruptcy is one of those exclusions, right? One of the problems with bankruptcy is people dont understand the bankruptcy laws. They are so tight now and your feet are really held to the fire from the federal government right now. It’s not like you just didn’t make your mortgage payment, so you go file bankruptcy, it’s just not realistic. Assuming bankruptcy is the last resort option for everybody. And we certainly want to avoid that, it would not be sound financial advice from any credible source that I can think of.

Let’s walk through a case scenario, somebody who is listening to this broadcast, their head is spinning right now, they’re thinking, oh my gosh. I should have known about the tax implications, a short sale versus loan modification. Let’s start at the top and work through a quick scenario. And then we’ll point out the specifics of what they should be considering right now.

For example, we talk about this all the time and to your credit Michael Barnes and to Velocity Financials credit, you were early in bringing out the loan modification for people who were in a distress situation regarding a mortgage, maintaining or keeping up with the mortgage payment. So you started going down the path where the refinance started to become a much more difficult option, with new constraints and all the other factors that led to part of this economic crisis, a loan modification has become a buzz topic today. Driving to the station today, driving down Camelback Road, I see a sign on the corner. You know, one of those stick in the ground, homemade jobs, that says don’t refi a Loan, modify, with some success rate and the phone number.

Hang on there I want you to say the success rate. The sign literally said, 99% success rate, and it goes back to the point that you made when they say that they can reduce your mortgage principal by tens of thousands, hundreds of thousands of dollars, thats the absolute last resort for any lending institution. Thats not what this is about, so let’s start with that, then we will work on the tax ramifications of how that might work in the overall financial strategy.

I am familiar with the loan modification industry here in Arizona. There is no regulation, unfortunately. We at Velocity Financial work with a national network of attorneys, so if you’re the guy in El Centro California, or youre in Phoenix, or youre in Alaska it doesn’t matter where you’re at. We have someone who is an expert in that field in that state because the laws are different. But without the regulations some person with the ugly yellow sign on the side of the road says he has a 99% success rate, I don’t believe him it’s probably not using an attorney, who knows, dont buy into that garbage. Were going to tell you the truth, if we cant do a loan modification, we will tell you that we cant do it. And if a loan modification is not the best thing for you, you can find the some of these other options.

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