Refinancing your currrent mortgage can be very beneficial to your financial situation. Whether you are doing a rate and term refinance or a cash-out you may be able to save hundreds of dollars per month.
In today's economic times it is important for your money to work harder for you. There is still money to lend and we are closing loans everyday.
Remember, the people refinancing today are the one's who will be purchasing a new home in 6-12 months. Do you know anyone in need of getting themselves in a better financial situation?
If you are planning to purchase a home in the City of Alabaster, AL, in the heart of Shelby County, you have chosen a great place to call home. Alabaster in very convenient to shopping, restaurants, interstates, golf courses and a great school system.
Alabaster is also very diverse with homes available in nearly every price range. Come visit Alabaster, you will be happy you took the time. Call me with questions about refinance or purchase.
If you are in the market to purchase a home in Helena, AL you have picked a wonderful area to raise a family, enjoy life and simply relax.
Helena is very unique. The City caters to families and is always planning special events for family participation. The school system is excellent and you will feel like your neighbors truly care about you. Old Towne Helena is filled with specialty shops where you are certain to find one of a kind treasures. Don't miss a chance to take a tour and see for yourself.
For more information please contact Debbie Hutchins, Realtor RE/MAX First Choice. www.debbiehutchins.com . Debbie will find your dream home and I will help you with your financing.
Three reports come out today, 2 have a high impact on mortgage rates and one a moderate. The two high are retail sales and retail sales excluding autos.
The report this morning was bleak. Sales dropped 2.7% which was much worse than the expectation of a 1.2%. When autos are excluded it gets even worse with a 3.1% decline in lieu of 1.4%.
On this negative news stocks have fallen and mortgage bonds have improved. If you have people sitting on the fence do you best to get them off. These dips make a difference in how much a purchaser can afford and long term cash flow. Wishing you success.
When we get a dip in interest rates everyone seems to hear it on the news and in a day or two pick up the phone and call their mortgage loan officer. By then we may have been up and down 10 times. If you are in the market for refinance here are a few tips to put you in the best possible position.
1. If you feel certain you are going to refinance, go ahead and call your loan officer for approval.
2. Provide all documentation and RESPA's.
3. Let your loan officer know what rate you are willing to accept.
4. Be patient and wait for the call to say you are locked. We are up and down all throughout the day and depending on many factors the loan officer may have only a short window to get you locked. There is usually not time to make phone calls, play phone tag and still be able to get best pricing.
5. Move swiftly if anything else is required after the file has been underwritten.
6. Close with ease.
Today, we cannot lock rates and not follow through on the loan. If we do, this hurts our standing with the investor.
Hoping this will make your transaction smooth as silk.
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Network Funding Residential Mortgage Bank is a full-service lender of residential mortgages. Purchase, refinance, debt consolidation with equity, remodeling and construction loans.
Experience and Service will set me apart from the others! My business is 95% referrals from realtors, financial advisors and past clients. My goal is to keep everyone involved in the transaction informed on where we are in the process, to close on time everytime and make the transaction as easy as possible. My knowledge and years of experience allow me guide the client through their options and advise on the positive and negative of programs available. Whether the client needs and FHA, VA or Conventional loan, I can explain in detail the differences. There will be no suprises at the table and I attend all of my closings whether they be refinance or purchase. After all, who knows the loan better than the Loan Officer that structured it?! I have never had a client leave the table with anything other than what they expected.
I can do financing in Alabama, Georgia, Florida, Louisiana, Missouri, Oklahoma and Tennessee. Most of my business comes from Shelby and Jefferson County in Alabama.
Whether you are interested in purchasing a new home or one that has been previously owned, refinance for better rate and lower the term on your mortgage, consolidate debt or add on to an existing home, I am here to help you. While it is true the market has changed drastically in the last year, programs are still available and lenders are still passing out money and the good news, rates are at historical lows. Experienced loan officers are crucial in our current economy. I watch the markets daily and get an update on the bond market every 2 minutes during the day. This helps me to advise you on whether to lock in a rate or float. I also watch the economic reports to help determine when rates may take a dip and when they may rise. I specialize in FHA and Conventional loans of any type. I can also help you with credit issues and repair.
If you need a referral for a realtor, builder, roofer, insurance agent, painter, structural engineer, attorney etc...I can give you one that is endorsed by good practices and excellent service. I work with some of the best in the business and am happy to share my knowledge.
I know when Valerie sends me an approval letter, we are good to go, no surprises for my client. She explains everything in great detail to the client and keeps both agents informed. A great loan officer is the difference in getting to the closing table with no problems. I can also count on getting to the table in 2 weeks. Realtors, have no fear when Valerie is "flying the plane" . TC
As a first time home owner, Valerie made this an easy process and I understood beforehand what I should expect. My payments were actually LESS than what she had estimated. Valerie is the best and I will tell all of my friends and family about her. AJ
Years ago Valerie helped my wife and I improve our credit scores when we refinanced our home. She stayed in touch with us and with her guidance we now have excellent credit. Since then, we have purchased a new home, referred family to her, and refinanced again for a better rate. We wouldn't trust anyone but Valerie for such a huge financial decision. KP
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