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Checking Pingbacks December 26, 2011

Posted by Jay Medina in Informative Articles and Free Reports.
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Just checking pingbacks to Christin’s Blog.

New Consumer Hotline For Refinances April 29, 2007

Posted by Jay Medina in Informative Articles and Free Reports.
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A new consumer hotline for refinance options has just opened.  It is designed to help homeowners who are looking to take cash out of their home to do home improvements, consolidate debt, or have cash on hand for emergencies. 

It also has very useful information on how homeowners with adjustable rate mortgages can refinance into a fixed rate mortgage, and save money while doing it.

The consumer hotline is available at (641) 985-5700.  Enter the access code of 297206.  The hotline contains a lot of useful inside information and is available nationwide.  Long distance charges may apply.

Texas Family Avoids Steep Rate Hike April 25, 2007

Posted by Jay Medina in Informative Articles and Free Reports.
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Dan and Monica Matthews bought their Texas home in 2004.  In order to buy their beautiful home, they used an adjustable rate mortgage that would enable them to buy right away and take advantage of a sweet deal on a brand new house being offered by the home builder.

As they approached their third year anniversary of their loan, they were referred to my services from someone they trusted.  The Matthews’ were concerned their rate might go up instead of down, given the current market trends.

After reviewing their situation, I found that they were just about to have their rate adjust upward 1.5% on top of their current rate.

If that happened, their rate would be higher than their budget would allow, straining their finances. After asking them a few basic questions and doing some research on my end, I found a loan program that would enable the Dan and Monica to move their loan to a 30-year fixed and keep the same payment as their adjustable rate mortage.

In other words, the Matthews’ now have the same rate and payment of an adjustable rate mortgage three years ago, except now they are on a 30 year fixed.

If you or someone you know is in an adjustable rate mortgage, contact me right away at (866) 509-8796 ext. 2416, so that we can work together on finding a fixed-rate solution that makes sense for you.

And remember, I can help anyone anywhere in the country. Thank you for reading and for doing something positive today.

Clean Up Your Credit April 4, 2007

Posted by Jay Medina in Informative Articles and Free Reports.
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Thanks to the recent subprime fallout, lenders are requiring much more than a pulse to give you a mortgage these days.

A year ago, many mortgage lenders were giving money away with their eyes closed. You didn’t need a down payment, lousy credit was not an issue, and you barely had to prove your income.

But that backfired — duh! — and surprise, surprise, the folks who had bad credit and no income weren’t able to make their mortgage payments after all. Shocking. So lenders have decided to pull in the reins a bit.

Does that mean you’re stuck?

Read the rest of the story: Clean Up Your Credit

A great website to explain credit March 27, 2007

Posted by Jay Medina in Informative Articles and Free Reports.
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Here’s a great website to explain credit and help you get ahead in the credit game.  It’s at http://www.creditdemystified.com

I hope you find it useful.  Let me know what you liked about the site. Thanks for reading and for doing something positive today.

The Truth, Sort Of, About Open Houses February 19, 2007

Posted by Jay Medina in Informative Articles and Free Reports.
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Well honestly, there are no truths, only opinions. And there are few real estate issues where opinions are more numerous and more nuanced than the open house. Some agents love them; some consider them a necessary evil or a service to keep clients happy, others outright despise them. Sellers might demand one or one every week or refuse to allow them at all. FSBOs seem to think they are the key to selling a house without an agent, and buyers generally love them.

You know what. They all have a point…

Read More Now

An Update on PMI Tax Deductions February 19, 2007

Posted by Jay Medina in Informative Articles and Free Reports, News and Information.
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In December we published an article about a provision in the Tax Relief and Health Care Act of 2006 which was passed in the waning days of the 109th Congress (December 12, PMI Deduction Buried in the Closing Acts of Congress.)

At that time the final version of the bill was not publicly available, nor is it now, but here is an update and the news is not quite as good for the taxpayer as it first appeared.

Read More Now

Suze Orman: Should you refinance your ARM? January 15, 2007

Posted by Jay Medina in Informative Articles and Free Reports.
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Watch this video from Suze Orman who gives straight advice on Adjustable Rate Mortgages:

If you have any questions on what she just covered, give me a call or contact me here.  Thank you for reading and for doing something positive today.

Don’t Rush To Pay Off That Mortgage January 4, 2007

Posted by Jay Medina in Informative Articles and Free Reports, News and Information.
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Homeowners, here is some tax-season advice that makes sense.  According to Liz Pulliam Weston of MSN Money, “You’ve got better things to do with your money, like saving for retirement, building an emergency cushion or even living it up a little.”

You can read the full article here.

A Great Video About Mortgages And Foreclosures January 3, 2007

Posted by Jay Medina in Informative Articles and Free Reports.
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Happy New Year!  I hope that you were able to ring in the new year in style.  As well, I hope that you have commited to making 2007 your best year ever!

I found this great video on the Internet about foreclosures and how to avoid them.  Naturally, I thought of you and thought you might benefit from great information like that.  If you have any questions about the video, or if you need assistance with your home loan, please feel free to contact me.

Just click here to watch the video.

Thank you for reading, and for doing something positive today.