Do you know what today's mortgage rate is? It went up .25% from yesterday!
With the real estate market the way it is, some people want to know what the rates are doing. I've put into place a way for you to stay updated every day...on your cell phone!
If you want to know what the rates are at today with a short text message, you can read THIS ARTICLE and set it up. Or, if you prefer not to get an occasional text message, add THIS WEBSITE to your favorites and check up on it when you please.
Note: the published rate is only a guideline. It assumes a score of 720, 20% down purchase, primary residence, fully documented income and assets. To get an accurate rate quote, you should always speak to a mortgage professional that you trust. This will, however, give you an idea of how rates are moving.
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Top Hemet Mortgage & Real Estate Articles:
Looking to buy real estate?
Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751
Countrywide Home Loans has revealed that there was a security breach and that people who have their mortgages with their company may have had their social security numbers compromised.
When you get a home loan, you give plenty of information. Enough needed to become a serious victim of identity theft.
Identity theft experts recommend that you check your credit at least once per year, and the federal government has given you the right to do it at no charge.
I've done it. Turns out, it's very easy and fast. I recommend that you do it, too.
There is no catch to get a full copy of your credit report. If you want your FICO scores, however, you may have to pay about $7.95 for each repository. There are three credit repositories (the credit companies), Equifax, Experian and Transunion.
Visit www.annualcreditreport.com and follow the instructions. It took me about 5 minutes to find and print a report from each repository.
If you would rather do it by mail, you can write:
Annual Credit Report Request Service
PO Box 105283
Atlanta, GA 30348-5283
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Top Hemet Mortgage & Real Estate Articles:
Looking to buy real estate?
Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751
GO HEMET!
The Hemet High School Varsity Cheer Squad are having a fundraising golf tournament with games, putting contest, prize drawings and a tasty dinner.
The tournament will be a four man scramble. Contact Connie Kirk at 951.966.9657 or Amy Kenny at 951.765.5150 to reserve your spot!
If you don't feel like golfing but would still like to help the HHS cheer program, please sponsor a hole! The event is tax deductible and all proceeds go to the Hemet High School Varsity Cheerleading Program.
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Top Hemet Mortgage & Real Estate Articles:
Looking to buy real estate?
Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751
Those are original cartoons. If you use them without permission you will have legal problems. :)
Just last week I posted that the Riverside County EDA FTHB Program was running out funds fast.
The Hemet Home Loan Guy has received word that they've stopped accepting applications as of today. The applications that were submitted before today but don't have the money reserved yet may or may not receive the down payment assistance.
The RHP also offers 20% down and is very similar to the FTHB. Notable differences? This interest-free and payment-free silent second mortgage is forgiven after 45 years (instead of 15), or if the buyer sells the home at or below the County's affordability limits. Also, this program ONLY works for homes outside of city limits (in unincorporated County areas). One nice feature? The income limits are higher...120% of the median income in Riverside County.
In July, the RHP had over twice the amount available as the FTHB. Where does it stand now?
My office has calls in to the EDA to find out. As soon as I know, I will post it.
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Top Hemet Mortgage & Real Estate Articles:
Looking to buy real estate?
Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751
That's an original cartoon, so if you use it without permission you will have legal problems. :)
***CLICK HERE FOR AN IMPORTANT UPDATE.***
The Hemet Home Loan Guy reported recently that the community down payment assistance programs HART and Nehemiah are going away by October 1st.
Looks like another great source of help for buyers in Hemet and the surrounding areas is going away by that same date: The Riverside County EDA First Time Home Buyers Program.
The program offered up to 20% (maximum $75,000) down payment assistance to first time home buyers with low income (80% of the County median income). The buyers are not required to make any payments on the down payment assistance, and if they kept the home for 15 years the second mortgage is forgiven.
The program had just been funded July 15th, but notice came out today from the Economic Development Agency that it was set to run out of funds by the end of September. That means that all the money for qualified first time home buyers had been used up within just over two months!
Home prices in the Inland Empire (Hemet, San Jacinto, Temecula, Murrieta and the surrounding areas of Riverside County) have dropped substantially. The good news is that more working class families have been able to take advantage of great programs like this. The bad news? That the programs have run out of funds in record time. Some programs show no sign of coming back in these difficult economic times.
There is another program from the Riverside County EDA that is for Moderate Income first-time buyers (those who make 120% or less of the median income) called the Redevelopment Homeownership Program.
The RHP also offers 20% down and is very similar to the FTHB. Notable differences? This interest-free and payment-free silent second mortgage is forgiven after 45 years (instead of 15), or if the buyer sells the home at or below the County's affordability limits. Also, this program ONLY works for homes outside of city limits (in unincorporated County areas).
In July, the RHP had over twice the amount available as the FTHB. Where does it stand now?
My office has calls in to the EDA to find out. As soon as I know, I will post it.
..............................................................................................................
Top Hemet Mortgage & Real Estate Articles:
Looking to buy real estate?
Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751
That's an original cartoon, so if you use it without permission you will have legal problems. :)
Contact Hilary Wilkinson at 951.571.5756 for your home loan needs :) I have stepped away from mortgage loans to work for my wife's photography business. Thanks!
To buy or refinance Hemet Real Estate, contact Hilary Wilkinson today at 951.571.5756.
**The Hemet Home Loan Guy has stepped away from the mortgage business to work for his wife's photography business, but your business is very important to us. Call Hilary today.
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My name is Joey Aszterbaum, the Hemet Home Loan Guy.
I'm known as the Hemet Home Loan Guy because working in real estate isn't just about making a living...it's about being a good neighbor and serving the community. I've spent nearly my whole life in the Hemet-San Jacinto Valley, and I've worked for the local credit union Altura, and its home loan division Patrion Mortgage, since 2001.
It's my pleasure to raise money for a number of local non-profit organizations, such as the Mt. San Jacinto College Child Development Center, Community Pantry, Arrid Club, Birth Choice and others. I also take every opportunity to support local businesses in the Hemet-San Jacinto Valley.
In the real estate community, I'm known as 'the loan officer that helps Realtors grow their business' because of my unique Real Agent Help program, which supports real estate agents through seminars, networking events, education and one-on-one consulting.
My wife, photographer Jolynne Aszterbaum, and our four kids recently move to a small farm in San Jacinto with a growing family of animals, including one dog, five cats, two guinea pigs, a goat, a sheep, a pot-bellied pig and a Welsh pony named Honey.
If you want to buy or refinance homes in Hemet, San Jacinto or the surrounding areas of Riverside County, California, I would be honored to be the mortgage loan officer that you turn to. Call me at 951.571.5751 or apply online.
I look forward to helping you!
P.S. I also have a great network of Realtors that I work with, so if you'd like to buy or sell a home in Hemet, San Jacinto, Idyllwild, Riverside or anywhere in California, please contact me and I'll refer you to a real estate professional that you can trust.
With every client and Realtor I work with, it is my intention to create such a high level of service and trust that they become Raving Fans. Here are some samples of what my Clients and Realtors have to say.
Raves from Clients:
Joey, I want to thank you for all you have done. That was the smoothest loan I have ever experienced. You took such good care of me. Thank you! - Kim Stuart, San Jacinto, California
Gustavo and I just want to say thank you for all you have done. You have made this such a pleasant and learning experience for us. Thank you for always being attentive and accomodating to our needs and wishes. We look forward to working with you on all of our properties. Muchas Gracias! - Carmen Berumen, Banning, CA
I really appreciate your work in getting me a loan. I wanted to let you know that when I went to sign my papers and get them notarized, the person that helped me said that you did an excellent and very fair loan. Thank you, Joey! Also, thanks for being so quick and professional. You made me feel comfortable by being so clear and honest every step of the process. If I come across anyone else who needs this kind of service, I will be sure to send them your way! - Penny Hudson, Hemet, California
Joey, thanks so much for helping us with our refinance. It was the fastest and easiest loan we've ever done! - Dale and Cynthia Bartz, San Jacinto, California
Hi Joey. We wanted to thank you for all your help on our recent refinancing of our house. We couldn't believe you got us a rate 1 1/2% less than we had. As you may or may not know, we have had many loans in the past . We have also been taken many times if not every time on our loans. I praise you in your efforts to get us a good loan but also at making it so easy for us. And closing in about 23 days. Well, that is just not heard of. Again, we thank you for your overwhelming knowledge and the effort that you put in helping us to get this great loan. I will recommend you to anyone I know needing a loan. - Michael & Sybil Worland, Hemet, California
Thank you so very much for your professionalism, concern and compassion throughout the process of our new home purchase! You were there for every question we had, even assisting with the escrow of our old home, which was not your job, but greatly appreciated. You went above and beyond your role as a loan officer! You're the greatest. - John and Kimber Devitt, Hemet, California
This is the second time I've refinance with Joey Aszterbaum. Both times were handled quickly and hassle free. From the appraisal of my home to the final paperwork, everything ran smoothly. Communication is important in any business - and Joey is that. If I buy or refinance another home, I will always go to Joey Aszterbaum at Patrion Mortgage. - Manuel Ybarra, San Jacinto, California
I am pleased to share what a great experience it was to obtain my home mortgage from Joey Aszterbaum at Patrion Mortgage. We are more than happy with both the service we received throughout the process and the product that Joey was able to get us into. We cut out mortgage term in half, paid off some other high-interest debts, and only raised our monthly payment by a couple hundred dollars! I would highly recommend Joey Aszterbaum to anyone in need of mortgage services. - Ben & Telah McClary, Mooresville, Indiana
Raves from Realtors:
I cannot say enough positive things about Joey. His ability to communicate is first class. I have absolutley no concerns when I refer a client to Joey, I know that they will be given the best care and the right product will be offered to them. Joey is a person of honesty and integrity and a very valuable member of my team. - Graham Holmes, Owner/Realtor, Mission Grove Realty, Hemet, California
I am very impressed by the service I have been provided on the above referenced loan. Being an Agent and a previous Mortgage Loan Officer I could not have asked for a smoother loan process than provided by you and Hilary. The follow up was amazing as I knew exactly what was going on every step of the way without even asking. The time frames were great as well. You accomplished having a deal ready to close in 11 working days, just amazing! I would be happy to refer my clients as well as other Agents to use your services. Please send some business cards to the above address. This was really the smoothest transaction I've dealt with in a very long time. Thank you so much. - Casie Walthers, Realtor, RE/Max Coastal Redwoods, Crescent City, California
Thank you so much for helping the Castillo family get a home loan. You are an awesome lender! My client was well taken care of through the entire process, and you went above and beyond by making yourself available on the weekend to approve them. As a Realtor, what I appreciated most were the status updates that you constantly faxed to me...before I even wanted information you had it in my hands! Again, it was awesome working with you. Thanks! - Robert Sundback, Realtor, Coldwell Banker Kivett-Teeters, Hemet, California
Great Service, Joey! Nothing fell through the cracks even though you went on vacation. Thanks for everything. - Lori Wiley, Realtor, Realty America GMAC, Hemet, California
Thanks for all your help with the loan for Kim. I was very impressed with the way you kept on top of everything. Please send me some of your cards. - Ruth Pabst, Realtor, Main Street Realty, San Jacinto, California
I sincerely thank you for closing the laon at 24891 Cologne Drive in Hemet within a timely manner and without any problems. Your continuous "updates" were unexpected but GREATLY appreciated. It is unusual for a lender to keep a real estate agent updated throughout the escrow. It was a nice change. Thank you again for a hassle free, smooth transaction. I look forward to doing business with you again. - Jennifer Murphy, Realtor, Century 21 Mc Daniel and Associates, Hemet, California
Are you a Realtor? The Real Agent Help program helps Realtors grow their business through seminars, networking events and business consulting. Here is what Realtors like you have had to say about the program:
You have fresh ideas and unique perspectives on ways to help Realtors increase their business. This one tool has already netted my business tens of thousands of dollars in commissions. Thank you for sharing your ideas and supporting the real estate community. - Michelle M. Bassett, Broker, Bassett & Associates, Realtors, Hemet, California
I have really been enjoying the breakfasts and the conference calls. I learn something new every time. I love the fact that participating Realtors are so eager to share knowledge with one another. - Pauline Lynn, Realtor, Century 21 McDaniel, Hemet, California
Visit www.RealAgentHelp.com to check it out and for a free audio download.
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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