James R. Gill

VA Interest Rate Reduction Refinancing Loan!

05-29-09

I just helped a client reduce his VA loan to 5% (zero points) with an "IRRRL" loan! No appraisal necessary, no income verification necessary, and no asset verification necessary! Leave all 3 blank on the application!

The loan must be VA to VA
must result in a lower rate (unless going from adjustable VA to Fixed)
can be no money out of pocket by including closing costs in the loan
You must NOT receive any cash from the loan proceeds
no appraisal, so loan to value ratio is not a concern
discounted funding fee and lower underwriting fees

Lot's of disclosures to sign, but a relatively painless process to go through! Call to see if this loan can help you!!

1 Comment

Leadership Manhattan Beach Now Recruiting Class of 2011!

02-03-09

James R. Gill

Leadership Manhattan Beach Now Recruiting Class of 2011!!

Leadership Manhattan Beach

Now Recruiting Class of 2011!

Leadership Manhattan Beach is the premier leadership training program in the region for mid-level and high-level professionals. It provides comprehensive training through interaction with the community's top leadership, experiential learning opportunities and community-service team projects.

The nine-month program identifies people of promise, familiarizes them with community issues and services and develops their leadership skills to prepare them for prominent business, cultural and political roles.

The 2011 class will begin in September '10 and end in May '11. Sessions include history, civic identity and the arts; government; education; quality of life; business and economics; and personal development.

Program Informational Meetings for Potential Class Participants

You are invited to learn more about the LMB program and meet board members and graduates. Please choose the date that is most convenient for you. There is no obligation.


March 31, Wednesday 6:30 -7:30 PM	City Council Chambers 1400 Highland Ave. Manhattan Beach, CA 90266

For more information or to RSVP, please contact James Gill jamesrgill@aol.com or (310) 947-1195

Please forward this e-mail to those whom you feel would be interested in this program. Thank you.

Applications are accepted:
March 1 - June 1, 2010

To receive an application:

1. Application on our website http://www.leadershipmb.org/

2. To request information :

· via e-mail, to recruiting@leadershipmb.org

· via phone, 310-947-1195

· via mail,

Leadership Manhattan Beach Recruiting

c/o James Gill PO BOX 3046 Manhattan Beach, CA 90266

2 Comments

103% financing in today's market?!?!? YES!

08-28-08

James R. Gill

I am just wrapping up yet another wonderful 100% financing VA LOAN!!!!!

The way a VA Loan works is you pay a "Funding Fee" to the government up front. This Funding Fee is basically a mortgage insurance you pay for up front and then the government insures the loan against forclosure. The VA allows the borrower to roll the Funding Fee into the loan and now we are at 103% financing. Get this: you can even add another $6000 to the loan if you wish to upgrade the appliances to something more efficient! There is no monthly mortgage insurance fee; this is the benefit for the Veteran.

To qualify for a 100% VA Loan you must be:

owner occupied
able to prove your income qualifies you
a US Armed Forces Veteran in good standing
at or under a $417,000 purchase
UP TO $737,500 IN SOME COUNTIES AS THE NEW "HIGH BALANCE GOV'T LOAN"

FICO scores and reserves are not critical for this loan and the seller can pay most of the closing costs!

Make sure you are reaching out to the Veterans you know to spread the word!!

3 Comments

James R. Gill

About Me:

As a 3rd generation resident of Manhattan Beach, my roots are deep in the community. I am currently the President of Leadership Manhattan Beach! http://www.leadershipmb.org/ I also belong to the Manhattan Beach Chamber. My two little girls attend Pacific School just as their grandfather did. I am all things Manhattan Beach!

As a U.S. Air Force Veteran I have lived in Japan and Greece.

Testimonials

"In a very short period of time, James produced a refinancing package that was perfect for my needs."

Carol Y.

"I'm glad we were able to form a business relationship together. If there is anybody I know that is need of a mortgage consultant, I will definitely send them your way. It's been a pleasure knowing that you were working for ME in obtaining the BEST term and rate available for my situation. Thanks again. Sincerely, Linda"

Linda L.

"I needed a loan quickly for the purchase of a commercial income property in Dallas, Texas because the seller was working under a 1031 exchange. Not only did James help me acquire a loan at a great interest rate, he was able to ensure that the loan was completed in time so that both the seller and I were winners. James Gill will be my loan agent for life!"

Sylvana K.

"The most important thing you look for in a mortgage broker is honesty. Because let's face it - most of us have no idea how the numbers work. Working with James you know he's going to get you the best deal. Not the best deal for him--the best deal for you. I trust him implicitly. Two refi's and counting. Now if he'd only get rid of that cheeesy photo!"

Beth and Jeff N.

"Solid effort. Never would have gotten it done without the tenacity of James Gill!!"

Bob and Dee G.

"James, you were the most knowledgeable, patient (big emphasis on patient) broker I have ever dealt with, especially since I was a 1st time buyer (and had NO clue). It's scary enough to find a house you like, but wait until the paper work arrives. You made the entire process seem as normal and benign as regular banking (though I thought I was dying...ok hyperventilating), which made the celebration all the more special when I got my house (because you explained things so well, I didn't keel over). You are truly an asset to your clients, and to this day I think you as the best choice for a broker. Your fantastic knowledge of banking, as well as your ability to explain said fantastic knowledge makes you one of the best brokers I have run across. You make your clients feel important (even if they are like me, a 1st time buyer who knew nothing), but also that they could ask any question no matter how silly (and I had MANY of them), and you would explain the answer until your clients fully understood it. What more can I say, you are everything this industry needs. It's nice to know that even now, 5.5 months later; if I still have questions I can ask you. You have truly lived up to your moniker: Mortgage Broker for Life Thank you and good luck, Chris B."
- Chris B.

"My wife and I have known James for 14 years and it was very comforting to know we were in good hands during the refinance process"! We highly recommend his services.

Todd and Marlene Snyder

Nothing but wonderful things to say about James! If you are looking for a professional and friendly Mortgage Broker that will go above and beyond the call of duty for the customer, you need not look any further. There are lots of paperwork, lots of deadlines, and lots of worries when trying to secure a home loan, but James can be depended on for lots of support/direction and is a welcome helping hand and wealth of knowledge during the entire process. I have found a Mortgage Broker for life! Lucky me!

D. Findlay - Torrance

"James, Rene and I want to say thank you for all your hard work + generosity. You were amazing to work with. You helped us reach a goal that one year ago seemed impossible. We both wish you the best + hopefully we'll be able to work with you again in the future. Best wishes! Brandi and Rene"