en·sem·ble [ahn-sahm-buhl] "all the parts of a thing considered together"
When you think of the word ensemble, what comes to mind? How wonderful it sounds when all the elements of an orchestra come together? The Cello, Piano, Violin, Flute all blending together... Or, would it be how amazing it sounds when three completely different voices come together to form one harmonious chord?
What if...when you hear the word ensemble something new & refreshing comes to mind... Something that gives life back to your slumbering mortgage and gives you a freedom never dreamed possible. Ensemble embodies the beauty of pulling together resources today, to help accomplish your goals for tomorrow.
Your tomorrow...begins today...
The concept is surprisingly simple. Ensemble combines all your checking, home loan and home equity line accounts into one master "loan sweep account" that allows deposited cash to be placed against the loan balance each day in order to save mortgage interest. That's it! This simple change allows you to better leverage your cash flow, potentially saving you thousands in interest over the next decade. And, your funds remain available 24/7, just like with your old checking account today.
- Your income lowers your monthly balance.
- The lower balance saves you interest.
- The saved interest becomes extra principal payment.
- This further lowers your balance, saving more interest.
- This frees up even more money to reduce principal.
- This cycle repeats itself each month, compounding your interest savings
and accelerating the reduction of your debt.
Traditional mortgages make it easy to get into debt; Ensemble gives you - the borrower - the power to reduce your debt more aggressively. Ensemble is able to help reduce debt more quickly, simply by putting all of your personal income to better use.
Mortgage interest typically consumes about half of the average American's net income, for decades at a time. With Ensemble, paying less interest will allow you to reach your financial goals faster. Whether you want to use those interest savings to pay your home loan off sooner, or keep your equity leveraged and reinvest those savings in higher-yielding investments...saving interest...is always in your BEST interest.
Combining your main personal cash management tools into one master account relieves you of the need to track money transfers manually. Once the account in setup, transfers from your loan account happen automatically. So does your interest savings from your positive cash flow. And when you need cash for investments or expenses, it is quickly available via check, electronic transfer, ATM withdrawal, or debit card. Nothing could be simpler!
Discover how the power of your own cash flow could significantly accelerate your home loan's pay down, saving you thousands in interest and getting you free-and-clear of mortgage payments years ahead of schedule, without demanding any change in your current spending habits.
Click here - for your FREE assessment & to learn how Ensemble may benefit you personally. I would love to hear from you!
All the best!
Josh Perrington - 1st Metropolitan Mortgage - Roanoke, VA - 540.904.0842
"Wake your mortgage up...it's time to get to work!"
Statistics show that less than 3% of all homeowners make any kind of consistent pre-payment on their own.
How does it work?
Easy Equity is an automated bi-weekly payment program that takes the guesswork out of building equity in your home. Every two weeks we will initiate a payment (equal to ½ your normal monthly payment), essentially allowing for one full extra payment towards the principal balance every year. Since there are 52 weeks in a year, you'll end up making 26 half payments, or 13 FULL payments. This additional payment is placed directly towards your loan principal balance, therefore reducing interest charges year after year.
Example:
Let's take look at a mortgage with a principal balance of $150,000, a term of 360 months, and an interest rate of 6%.
· Monthly principal and interest payment = $899.33
· Total Interest Paid During Life of Loan = $173,757
Using the Easy Equity Plan Option
· Bi-Weekly Payment = $449.67
· Total Interest During Life of Loan = $135,294
· The loan is paid off in 24 years, instead of 30, and saves in excess of $38,000!!
It's just that simple!
Would you like more information? Click Here to allow one of our Planners to help...
Josh Perrington
1st Metropolitan Mortgage | Roanoke, VA
Area veterans, Vinton town officials and citizens - dedicated to recognizing veterans past & present - wish to honor those who have made and continue to make personal sacrifices for our freedom. Thus was born the idea of an outdoor, freestanding Veterans monument, constructed to pay homage to all veterans from Vinton and Roanoke County. Because of their bravery, we are "the land of the free and home of the brave."
To meet the needs of this construction project, the Vinton Vision Committee is reaching out to the community, businesses, and individuals to help provide financial support for the building of the Veterans Monument.
Ways to Give -
DEAR CITIZENS:
The Vinton/Roanoke County Veterans Monument Committee would like to extend to the public an opportunity to be part of an exciting historical endeavor. This opportunity is to honor veterans that gave the ultimate sacrifice of their own lives and also to honor "those who serve and those who have served" our country from World War II to the present.
The chosen design proposal is called "High Ground." A star-shaped walkway will surround and lead to the main part of the monument structure. This walk are will have a brick cobblestone effect to help highlight the elegence of the memorial itself.
The brick style pavers are available for individual purchase in honor of a deceased veteran, someone who serves or has served, or a person one would like to recognize for any reason.
Thank you for considering a donation to the Vinton/Roanoke County Veterans Monument. Please feel free to contact Candye Ann Peters, Assistant Campaign Director, at 540.525.8449 or Mary Beth Layman, Town of Vinton, at 540.983.0613
"We're extremely proud to help raise the funds needed to complete this project for the Vinton & Roanoke County residents. Portions of our proceeds will continue to be contributed until the monument is complete!" - Josh Perrington
1st Metropolitan Mortgage, Roanoke, VA 24018
www.1st-Metropolitan.com | Josh@1st-Metropolitan.com
"Specializing in Roanoke area FHA Refinances along with our exclusive Ensemble equity program."
Your clients can still be able to purchase their home and not break the bank financing it! With a variety of loan features and benefits available - including up to 100% financing, a Rural Housing mortgage loan may be the perfect mortgage product for your clients.
Here's more information about our Rural Housing loan program and how it works:
A 30-year fixed rate mortgage loan for 1-unit primary residence properties
Here to help...and fell free to call/email if you have questions.
Warmest regards,
Josh Perrington - 1st Metropolitan Mortgage, Branch Manager
www.1st-Metropolitan.com | Josh@1st-Metropolitan.com | 540.904.0842
en·sem·ble [ahn-sahm-buhl] "all the parts of a thing considered together"
When you think of the word ensemble, what comes to mind? How wonderful it sounds when all the elements of an orchestra come together? The Cello, Piano, Violin, Flute all blending together... Or, would it be how amazing it sounds when three completely different voices come together to form one harmonious chord?
What if...when you hear the word ensemble something new & refreshing comes to mind... Something that gives life back to your slumbering mortgage and gives you a freedom never dreamed possible. Ensemble embodies the beauty of pulling together resources today, to help accomplish your goals for tomorrow.
Your tomorrow...begins today...
The concept is surprisingly simple. Ensemble combines all your checking, home loan and home equity line accounts into one master "loan sweep account" that allows deposited cash to be placed against the loan balance each day in order to save mortgage interest. That's it! This simple change allows you to better leverage your cash flow, potentially saving you thousands in interest over the next decade. And, your funds remain available 24/7, just like with your old checking account today.
- Your income lowers your monthly balance.
- The lower balance saves you interest.
- The saved interest becomes extra principal payment.
- This further lowers your balance, saving more interest.
- This frees up even more money to reduce principal.
- This cycle repeats itself each month, compounding your interest savings
and accelerating the reduction of your debt.
Traditional mortgages make it easy to get into debt; Ensemble gives you - the borrower - the power to reduce your debt more aggressively. Ensemble is able to help reduce debt more quickly, simply by putting all of your personal income to better use.
Mortgage interest typically consumes about half of the average American's net income, for decades at a time. With Ensemble, paying less interest will allow you to reach your financial goals faster. Whether you want to use those interest savings to pay your home loan off sooner, or keep your equity leveraged and reinvest those savings in higher-yielding investments...saving interest...is always in your BEST interest.
Combining your main personal cash management tools into one master account relieves you of the need to track money transfers manually. Once the account in setup, transfers from your loan account happen automatically. So does your interest savings from your positive cash flow. And when you need cash for investments or expenses, it is quickly available via check, electronic transfer, ATM withdrawal, or debit card. Nothing could be simpler!
Discover how the power of your own cash flow could significantly accelerate your home loan's pay down, saving you thousands in interest and getting you free-and-clear of mortgage payments years ahead of schedule, without demanding any change in your current spending habits.
Click here - for your FREE assessment & to learn how Ensemble may benefit you personally. I would love to hear from you!
All the best!
Josh Perrington - 1st Metropolitan Mortgage - Roanoke, VA - 540.904.0842
"Wake your mortgage up...it's time to get to work!"
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We're Passionate about our work & we love what we do! Someone once said, "Find what you're passionate about & you'll never work another day in your life!"...I couldn't agree more. -Josh Perrington
1st, Let me start by saying that my worst day as a Mortgage Planner is far better than the best day I ever had as an Accountant/Finance Manager! Why? Very simply...I spent 8 yrs in the Accounting & Business world and found myself dreading the work, but thriving on the relationships. Now - I love what I do with a passion & truly enjoy watching my clients eyes open to the possibilities they never dreamed possible. We don't advise normally on the vanilla everyday loans. We instinctively choose to listen to our clients in hopes of hearing what's really important to them - not what's most profitable for us!
We absolutely pride ourselves on WOWING our mortgage clients, whether they live in Roanoke, VA or in New Bern, NC and all cities in between! We've built our success solely on referral relationships with past clients and strategic partners. Don't believe the hype! There are some amazing things happening in the mortgage world right now and, when used properly, can have an extremely positive effect on your financial goals.
Of course we will be glad to serve your needs as they relate to a regular 30 year fixed FHA, VA, etc... loan - but is that what you REALLY want? We look at every client as an opportunity to help their financial future forever. We work with Virginia's premier financial consultants in order to truly give our clients a mortgage that will provide a roadmap for achieving their goals.
Did you know that there are literally 100's of different options available to a borrower that may be MUCH more effective than the regular 30 year fixed?
I first heard about the Home Ownership Accelerator (HOA) program from an article in Money magazine. After about 3-4 weeks of research I was referred to Josh Perrington from 1st Metropolitan Mortgage. Armed with the knowledge of the internet, I quizzed Josh on this product. I was quite impressed not only by his knowledge, but his ability to answer my in-depth questions about the program. I consider myself a savvy investor and never saw the financial sense in paying off a mortgage before fully retiring. I figured I'd invest heavily in my portfolio and sell whatever real estate I had at age 60, or so, then buy my retirement villa outright. However, with the HOA I am still able to be aggressive with my portfolio and payoff my existing mortgage before I'm 55. I've dealt with a lot of mortgage loan officers and brokers, but Josh is by far the most prepared and genuinely concerned. He even fielded and answered my questions during the Christmas holidays and over a couple of weekends. My next real estate deal will without a doubt be closed with Josh and 1st Metropolitan Mortgage. Thanks Josh! Semper Fi
- P. Dowdy, Chesapeake, VA
While searching for our home, we were introduced to Josh Perrington and were so grateful to him for his help. Josh made the whole "buying a house" ordeal very easy and such a smooth process. He went above and beyond what is required of him and came to our house after his normal work hours to discuss our options and helped to show us what would be best for us. He guided us through the entire process right up to closing day.
We would recommend Josh Perrington for any and all of your financial needs.
Josh, we thank you!
- David & Karen W., Roanoke, VA
Roanoke, VA
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