There will be a Free First Time Home Buyer Seminar on Saturday September 27, 2008 from 10:00 AM till Noon at Primary Residential Mortgage's office in Newark, Delaware. The seminar will cover the basics of buying a home. FHA loans, VA loans, USDA Rural housing Loans, and first time home buyer programs will be covered. We will also cover how the new housing bill that was just passed by Congress will effect how you buy a home after October 1, 2008.
Each participate will recieve a free audio cd on Home Buying 101, a free Home Buying Handbook, A free Credit Scoring Handbook, and the oppurtunity to meet one on one with a mortgage planner to get pre-approved to buy a home. You will also recieve the oppurtunity to get a free copy of your credit report.
Please call 302-368-7132 and ask for John Thomas to register or send an e-mail to DelawareMortgages@yahoo.com
Visit www.DelawareMortgageLoans.net/seminars for more information.
John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.
THE SUMMER LULL: A lot of volatility in the equity markets, but relatively light overall trading activity. This is due to the time of year (annual summer lull) added to the fact that investors may be waiting to see how the political conventions turn out over the next couple of weeks.....or perhaps many of the traders were too tired after staying up late to watch the Olympics. This past week, the domestic equity markets ended about where they started, down less than half a percent (both S&P 500 and Dow Jones down approximately 12% for the year).
Stocks are trading lower today on bad news from Fannie, Freddie, and Lehman Brothers, this is moving money into Bonds. This is good news for Delaware Mortgage Rates. Rates are a bit lower today. If you have a Delaware Mortgage Rate, I recommend floating your rate today as we may see more improvement.
John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.
The Stock market rallied today on news of oil falling back below $120 a barrel and on a speech by Federal Reserve Chairman Ben Bernanke. Bernanke said that inflation pressures are likely to moderate in the coming months. Mortgage Backed Securities dropped early in the day but recovered to finish above where they opened but still lower than they closed yesterday. Mortgage Backed Securities finished the week better than they started but were off the highs of Wednesday. Mortgage Backed Securities broke through the 50 day moving average this week for the first time in 3 months. For more information on the market today visit http://biz.yahoo.com/ap/080822/wall_street.html
Delaware Mortgage Rates were lower than yesterday but are still better overall. I recommended floating today into next week.
If you need help or advice on your Delaware Mortgage Rate please feel free to call me at 302-368-7132 or send an e-mail to DelawareMortgages@yahoo.com
John Thomas - Certified Mortgage Planner - Primary Residential Mortgage
There will be a Free Delaware First Time Home Buyer Seminar on Tuesday Evening September 23, 2008 at 6:30 PM. The class is being held at Keller Williams Realty Office in Dover, DE. The seminar will cover the basics of buying a home from getting approved for the mortgage to negotiating with sellers to closing the deal. Delaware FHA loans, Delaware VA loans, Delaware USDA loans, and Delaware First Time Home Buyer Programs will be covered. Each participate will recieve a free audio CD on Home Buying 101, a Free Home Buying Handbook, and a Free Credit Scoring Handbook. Each participate will have the oppurtunity to be pre-approved for a home loan at the seminar. You will also have the oppurtunity to get a copy of your credit report.
To register for this seminar please call John Thomas at 302-368-7132 or send an e-mail to DelawareMortgages@yahoo.com
John Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.
For a complete list of Free Delaware Educational Seminars visit www.DelawareMortgageLoans.net/seminars
There will be a Free Realtor Seminar on Government Financing and the New Housing Bill on Tuesday September 23, 2008 at 6:30 PM. We will cover FHA loans, VA loans, and USDA Rural Housing Loans. We will show you how to use these government programs to sell more houses in this challenging market and how to qualify more buyers. We will cover the New Housing Bill HR3221 and show how it is going to affect your business after October 1, 2008. We will end with a proven strategy you can implement now to generate more buyer leads and a strategy to turn your bad credit clients into qualified home buyers.
Each participate will recieve a Realtor Handbook on Government financing ($30 value for free) and a supplement on the New Housing Bill.
To register for this seminar please call John Thomas at 302-368-7132 or send an e-mail to DelawareMortgages@yahoo.com. For more information on other free seminars please visit www.DelawareMortgageLoans.net/seminars
John R. Thomas - Certified Mortgage Planner - Primary Residential Mortgage, Inc.
As a Certified Mortgage Planner, I help people achieve their dreams and goals by assisting them in designing financial strategies that work for each client to accomplish financial freedom.
I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Delaware. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry,my dedicated team stands ready to assist each and every step of the way.
You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I am ready to work for your best interest.
A Certified Mortgage Planner is unlike a traditional loan officer. As a mortgage planner, my role is to help you integrate the loan that you select into your overall long and short-term financial and investment plan, to minimize taxes and interest expense and improve cash flow. My team is dedicated to delivering superior mortgage advice and world-class customer service to you. Our goal is to take such great care of you and your loan that we earn your loyal business and your referrals to family and friends. Our success was built by referral...one happy client at a time.
I am able to direct lend as well as broker loans, so will be able to find the right lender with the right product. Being able to broker is extremely important in todays market because if you are with just a direct lender, that lender may be out of business before your loan closes, for example American Home Mortgage right here in Delaware left hundreds of people desparately searching for a loan when they closed their doors.
I am certified in FHA Loans, Reverse Mortgages, VA loans, USDA Rural Housing Program, First Time Home Buyer Programs, Commercial Lending, Construction Loans, Bankruptcy Buy-outs, Divorce settlements, and hard money lending.
Here is a recommendation from a top financial planner
"In my line of work (financial advisor) I often have the need of brining in a mortgage expert to work with my clients. I have recommended John many times, and have always been impressed with his level of expertise and have never been disappointed with his level of responsiveness to a particular client's need. Not only can he find the right product, but he will educate you on all the options and help you to understand the decision you are making." March 10, 2008
Top qualities: Great Results, Personable, Expert
Douglas MacGray, J.D., C.F.P.
hired John as a Mortgage Consultant in 2,006, and hired John more than once
This section, using real life examples, details how Mortgage Coach, my unique mortgage solution software, separates me from the rest of the mortgage industry by providing information to clients that other mortgage lenders don't think to offer; thereby, helping my clients make more informed decisions about the financing options available to them.
Case Study 1
A client is open to refinancing his mortgage to lower his rate, when rates fall below a certain level. With the Rate Watch Report, I can e-mail him/her (on a monthly basis) a comparison of current market rates and what the monthly savings would be. The client can then make more informed decisions based on current market data.
Case Study 2
A client wants to refinance his loan to lower his monthly payments. However, he's not sure consolidating his credit debt into his mortgage makes financial sense. With the Debt Free Analysis, I can show the client how paying consumer debt through refinancing can be beneficial to him and what those benefits total in monthly savings.
Case Study 3
A client doesn't know what mortgage rate/cost structure is the most beneficial for their situation. Unlike what you may have heard from the news media, The Lowest Rate is Not Always The Best Loan. With my Total Cost Analysis, I can provide a comparison of 3 to 4 rate/cost scenarios, allowing the client to pick the one that best fits their lifestyle and future plans.
Case Study 4
A client is purchasing a property with less than 20% down payment (which typically requires Private Mortgage Insurance or PMI), but doesn't know the options available to him/her. With my PMI Comparison Analysis Report, I can show that a 1st and 2nd loan combination, instead of PMI (Private Mortgage Insurance), will reduce monthly payments, increase tax deductions and increase equity.
Case Study 5
A client is concerned about living paycheck-to-paycheck and is considering either ending monthly investment in their retirement account/investments or canceling an insurance policy to free up monthly cash. With our Equity Repositioning Report I can show them how refinancing and continuing to contribute to their investments can not only increase their monthly cash flow but will also help them invest more fully in their financial future.
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
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