WELL LOOK NO FURTHER!
HERE ARE 20 GREAT REASONS TO USE SARA MORTGAGE & FINANCIAL; MASS, NH & MAINE'S LEADING SOURCE FOR 1O YEARS FOR FINANCING OF THIS TYPE!
Well there you have it! 20 GREAT reasons to pursue your jumbo or luxury financing with SARA Mortgage & Financial! And remember, we close approved buyers on acceptable properties in under 30 days, every time, or we issue a $500 credit at closing!*
You are hard-working, cost-savvy and have a life long vision for the comforts and luxuries you and your family deserve. Don't be misguided or misinformed by rumors, media spin or water cooler talk. Jumbo financing is very much alive and well and also available at amazingly low interest rates on fixed rate products OR ARMs. For more on this, scroll on down and read my next entry!
As always, my licensed, super informed, and Better Business Bureau-accredited team are here to help!
To fill out a secure online application please visit:
http://www.saramortgage.com/apply.asp/Hollis/New%20Hampshire
Jamie Woods ~ Senior Loan Officer ~ FHA/VA/USDA Specialist ~ SARA Mortgage & Financial, LLC ~
Cell: (603)-965-8241 Office: (603)-816-0255 email: jpsunshine32@hotmail.com
* This is not a lending offer. Programs subject to availability and market conditions. Restrictions and limitations apply. Qualified applicants only.
State specific disclosures reflect only the states in which SARA Mortgage conducts or is licensed to do business. Licensed by the New Hampshire Banking Department. License #'s 11303-MBR & 11321-MHB. Massachusetts License # MB4274-We arrange but do not make loans. Maine License # CSO8825.
THE RUMOR MILL MAY HAVE SLAUGHTERED JUMBO LOANS, BUT WE SURE DIDN'T!
That's right! Jumbo lending is still very much alive and always will be with SARA Mortgage & Financial, LLC. Sure, conditions have tightened a bit but let's face it, there is a plethora of inventory and a good amount of it IS luxury homes so there has to be capital somewhere, right? Otherwise values would simply plummet sending the jumbo market spiraling downward with no end in sight and the authorities and regulators simply will not allow this to happen (thank goodness!)...
Our primary source for jumbo loans is also America's number one provider of residential mortgage lending of this type as well as the number one home in the mid west and the south for consumer deposits, business banking, and commercial banking. This source resisted TARP money, is very well-capitalized and has sensible, down to Earth lending guidelines.
So don't let the water cooler talk or media spin discourage you from looking further into a luxury home if that's what you and your family want and deserve! My team and I are true specialists in arranging financing of this type to approved applicants and we can close qualified buyers on acceptable properties on loans up to $2 million and also arrange second loans or HELOCS up to 90% combined loan to value!*
If you are a Massachusetts, New Hampshire or Maine buyer or homeowner in search of information on jumbo lending programs you should contact my team and I today! Jumbo lending is still very much alive, sensible, rate-attractive & available to qualified applicants...and all of the jumbo programs offered by our primary wholesaler of this type have NO PMI!
As always, we are on stand-by and eager to help!
To fill out a secure online application please visit:
http://www.saramortgage.com/apply.asp/Hollis/New%20Hampshire
Jamie Woods ~ Senior Loan Officer ~ FHA/VA/USDA Specialist ~ SARA Mortgage & Financial, LLC ~
Cell: (603)-965-8241 Office: (603)-816-0255 email: jamie@saramortgage.com
web: http://www.mortgagemagician.blogspot.com
* This is not a lending offer. Programs subject to availability and market conditions. Restrictions and limitations apply. Qualified applicants only.
State specific disclosures reflect only the states in which SARA Mortgage conducts or is licensed to do business. Licensed by the New Hampshire Banking Department. License #'s 11303-MBR & 11321-MHB. Massachusetts License # MB4274-We arrange but do not make loans. Maine License # CSO8825.
Isn't that always the question when mortgage interest rates dip to an all time low?
Mortgage interest rates have never been so low....EVER!
Rather than post or advertise rate averages with attached lengthy disclaimers, asterisks, conditions and fine print (which is the mandatory, RESPA-governed way to advertise or post interest rates anywhere) I thought I'd just assure my friends, prospects, clients and network partners that we can lock and close mortgage-worthy buyers on acceptable properties at THE lowest interest rates available, today! But conditions at the higher levels of the economy are very volatile and the only thing certain in this environment is well, uncertainty. Who knows how long the rates will stay this low?
So, if you want a rate looked up based on your scenario (yes, the rate will depend on the specifics of your case; what type of mortgage, down payment amount, will you occupy the home, etc.., it's not one saddle fitting every horse) then I urge you to contact us immediately! We can and do still lock, process and close approved mortgage loans on suitable properties in under TWO WEEKS, even in today's environment!
As always, we're here to help!
To fill out a secure online application please visit:
http://www.saramortgage.com/apply.asp/Hollis/New%20Hampshire
Jamie Woods ~ Senior Loan Officer ~ FHA/VA/USDA Specialist ~ SARA Mortgage & Financial, LLC ~
Cell: (603)-965-8241 E-Fax: (801)-672-9249 jpsunshine32@hotmail.com
Licensed by the New Hampshire Banking Department. License #'s 11303-MBR & 11321-MHB.
State specific disclosures reflect only the states in which SARA Mortgage conducts or is licensed to do business.
Massachusetts License # MB4274-We arrange but do not make loans.
Maine License # CSO8825.
THIS IS THE STIRRING RUMOR BUT LET'S EXAMINE IT MORE CLOSELY...
As most of us know the clock is ticking on the Housing & Economic Recovery Plan's $8,000.00 1st time buyer tax credit for qualified buyers. The deadline to close on a home and receive this credit is Nov 30, 2009.
But there's word now that the credit may be extended. US News & World Report states that the tax credit is one of a number of factors that have worked to bolster the housing market in recent months. Even more important than the government's incentive has been the increasing affordability of real estate, says Mike Larson of Weiss Research. Rates on 30-year fixed mortgages fell to just below 5 percent this week, according to Freddie Mac. Meanwhile, home prices at the national level have plummeted more than 30 percent from the second quarter of 2006. The first-time home buyer tax credit "is the icing on the cake, not the cake itself," Larson says. "Falling home prices have worked their magic. That's why we are where we are." Still, Larson believes that the tax credit has played a key psychological role in pushing buyers off the sidelines and that its expiration would take some of the wind out of the market's sales. For his part, Zandi estimates that the credit will add nearly 400,000 new and existing home sales by the time of its scheduled expiration.
Extension efforts: Although the credit's deadline isn't until the end of November, buyers may need to make an offer on a house by the end of September to take advantage of it, according to the National Association of Realtors. (That's because it's taking longer to complete transactions these days, the trade group says.) In the face of this looming deadline, housing and real estate interest groups have stepped up their efforts to convince lawmakers in Washington to extend the credit. Sen. Johnny Isakson, a Georgia Republican who worked in the real estate business before turning to politics, has been pushing for an expansion of the credit for some time. "December through February is historically the worst time for home sales anyway because of the winter months, so with the credit ending November 30, you have a double whammy" on the market, Isakson says. On Wednesday, he and several other lawmakers-including Senate Majority Leader Harry Reid, a Nevada Democrat-introduced a bill that would extend the tax credit for an additional six months. (Isakson had previously introduced legislation to extend the credit by a year.)
Opposition: Supporters of an extension of the credit will have to overcome mounting concerns about budget deficits and rising government spending. "There is no doubt about it that, compared to when we were working on this last winter, people are asking questions about the cost, when before it was not as much of a factor," says Jerry Howard, the president of the National Association of Home Builders. Zandi estimates that it would cost between $15 billion and $17 billion to extend the tax credit for another six months, which he considers money well spent. "If you extended it to mid next year . . . by then the job market will be stable enough that we can allow the tax credit to expire and it won't totally submarine the housing market," he says.
So if you are a 1st time buyer who wants to receive this tax credit with certainty, your best bet is to do the following:
- Determine your mortgage readiness and isolate your mortgage product with a licensed, Better Business Bureau accredited lending specialist who cares about you and your family's short AND long term housing and fiscal needs
- Get with a professional, certified Buyer's Agent, one who also cares about you and your family's needs, preferences, desired amenities, locale and affordability
- Get out there NOW in the house hunting market! In order to receive the tax credit a qualified buyer must close on the property by Nov 30th
- Don't be complacent...the system WILL clog up with volume at all levels, it already is: this means appraiser volume, broker, Realtor, lender, processor, underwriters, SELLERS (yes, this means banks and asset managers on bank-owned homes taking even longer in reviewing offers), even the county recorder's offices...EVERYWHERE. This means longer waiting periods and lag time between each milestone in the home buying process which means waiting until later this month or next is certain to invite complications and likely failure.
(For more on the basics such as who qualifies and on what type(s) of homes please see my blog entry at):
http://activerain.com/blogsview/1134030/-first-time-buyer-tax-credit-simplified
Thanks for reading and good luck out there! Remember, my team and I are here to help!
Jamie Woods ~ Senior Loan Officer ~ FHA/VA/USDA Specialist ~ SARA Mortgage & Financial, LLC ~
Office: (603)-816-0255 Cell: (603)-965-8241 email: jamie@saramortgage.com
web: http://www.mortgagemagician.blogspot.com
Licensed by the NH Banking Dept
Source: US News & World Report
REG-Z CHANGES ARE NOW IN EFFECT!
LEARN:
- HOW TO AVOID COMPLICATIONS AND EXTENSIONS AS A RESULT OF THE NEW LAWS
- WHICH LENDERS & WHICH PROGRAMS CAN STILL GET BUYERS CLOSED IN UNDER 30 DAYS, MANY IN UNDER 2 WEEKS
- WHAT EFFECT WILL THE CHANGES HAVE ON THE TIME LINE AND WHAT WILL OCCUR
- REQUEST A FREE 60 MINUTE SEMINAR ON PREPAREDENESS
Well, Washington's gone and done it again. They've changed the lending laws! But like it or not, these changes are all about protecting and informing the customer. That's right! It's key to remain focused on that and of course also to remain not only extra poised, polished & prepared but also to stay informed and well-connected.
My team and I have prepared a very informative and concise presentation about these changes, what they entail, their initiative and motive and most of all, what will occur out here in lending land as a result and how the changes will affect and influence the buying & selling timeline as we know it. These changes are certain. There are no exceptions to these very lucid and clear requirements. Put off or undermine the importance of learning about them and their impact and you are probably inviting struggles and complications. Understand and embrace these changes and you will certainly benefit from it. Your prospects, customers & colleagues will appreciate your understanding of and commitment to these changes and that they are enacted to help inform them, the buyer! Sign up for the workshop today!
Learn more about what specifically these changes are and also:
- How to explain these changes and their potential impact to the buyer
- How to explain these changes and their potential impact to the seller
- How to help preserve a quick closing time line by understanding new milestones
- How to stay informed and up to date on other changes like the HVCC (the new appraisal protocol) and their potential impact
- Which lending sources are the most prepared, which will stumble (many will)...
Remember, your trusted loan officer should know which lenders and programs will be affected the most and which lenders allow and enable shortcuts like email confirmation by the customer to whittle off days from the mandatory customer observation periods that jeopardize the 30 day process. Some lenders are mandating snail mail, some aren't. Some lenders are allowing and encouraging more face to face visits with buyers to collect signatures . SARA Mortgage & Financial has long-standing priviledges with a number of wholesale mortgage lenders and banks and we fully understand and employ the proper protocol to help ensure a timely closing for your buyer!
To reserve this free lecture and presentation please contact my team and I today. As our existing business partners and customers know, we are always very prepared for whatever changes occur at any time. We have long-standing relationships with the lenders who are also ready and we welcome these changes head on! Remember; not every lending source out here is ready for this and as a result, some home sales contract dates will be effected, particularly when handled by the uninformed or under-equipped. If the preservation of prompt and timely closings are important to you then remember; don't entrust your buyer referrals to just any old lending source during times such as these, or for that matter, ever! Stick with us at SARA Mortgage & Financial! We will help steer you and your buyers around potential orange cones and to the closing table!
See you there!
As always, I'm here to help!
Jamie Woods ~ Senior Loan Officer ~ 1st Time Buyer Specialist ~ SARA Mortgage & Financial, LLC ~
Office: (603)-816-0255 Cell: (603)-965-8241 email: jamie@saramortgage.com
web: http://www.mortgagemagician.blogspot.com
Licensed by the NH Banking Dept
I specialize in arranging FHA "Buy & Improve" (203k) financing for qualified MA, NH & ME home buyers as well as Jumbo/Luxury financing up to $1.5 mil. I also arrange VA loans! Call me today!
Home ownership truly is and always will be the American dream. I believe home is more than just a place to lose your keys. It's where your family lives. It's where dreams are fulfilled, where memories are made, where hugs are given. It's where you plant your garden, catch some rays with a good book on a summer day, watch the kiddoes catch fireflies or just sit on the front porch swing with your loved one and listen to the crickets chirp. Home is where life is lived.
My name is Jamie Woods (aka "JP Sunshine"). I am a Senior Loan Officer with Sara Mortgage & Financial, LLC. I am among the finest, too, as I've been told by my delighted clients (some of their personal stories below). I am writing this to tell folks a bit about myself, my practice and my upbringing, should anyone have the time and patience to read it!
I am the very proud son of my mother, Shelby, an amazing "town hall and choir lady", a woman who just won't slow down and a woman who is also a published author of a short narrative which tells of her upbringing, her love, appreciation and fondness for her mother and her time and both their experiences at the seacost of Maine. The name of the narrative is "Salt Water Solutions" and it is one of about 30 pieces compiled in a very interesting book of other pieces by mothers everywhere, advice good and bad, called "My Mama Always Said". Ask me for a copy some time! My father, Chuck, has been a chief registered nurse at a prominent hospital just west of Boston for almost 25 years! I learned so much from Chuck, such as how to be a good sport, the value of hard work and the art of self-discipline. Sadly, however, we all just recently lost Chuck to a massive overnight heart attack this past May (2009). His legacy lives on in all of his children and the countless hundreds of others whose lives he not only touched but also helped tremendously. Chuck was a true healer in every sense of the word and a 1st class philanthropist. I am also a younger brother to Chris, a very brainy and industrious "computer guy", who is a chief programming engineer for Liberty Mutual, a younger brother, Chet, a thick-skinned and natural EMT/medic who along with his wife Alenna just had their first bippity boppity baby (its a boy, named Timothy Dimitri Woods) and two beautiful sisters; Elizabeth, Massachusetts' finest accountant and new mommy of two little ones, Dylan and Abby), and Amanda, a National Guard veteran, sales pro and a fitness buff who just got married to her man, Jim, of 5 plus years with a beachside wedding in Sanibel, FL and will probably also be producing some offspring of their own in the near future! We are all originally from a quiet suburb just north of Boston, MA, though my sisters joined us from South Korea in 1976 as very young toddlers via an adoption agency in Boston! So yes, the stork does sometimes drop babies down chimneys!
I was born and bred a New Englander. However, in my 38 short years, I have had the opportunity to travel, do business with, network with and meet so many people and professionals from all around the country. Even though I'm only considered I guess "mid career", in my time I have been involved in, overseen and directed numerous marketing, business development and advertising projects for companies everywhere, from fortune 500 companines to small mom and pop corner shops such as gift basket shops, florists, bed & breakfasts, inns, vacation attractions, travel agencies and of course, Realtors.
Since about 2000, I have been in the property closing business, which quickly became my new found and everlasting passion. A good friend of mine, Richie, a closing attorney north of Boston decided to woo me away from my marketing/adverstising endeavors (which was no easy undertaking), take me under his wing and teach me all about the chain of title to properties, how they are recorded and filed, listed and sold. God Bless you, Richie! You were an important catalyst to my dreams come true! I quickly "learned the ropes". In operating as his title abstractor/closing specialist, I made numerous contacts at mortgage companies, who in turn wooed me out of there and into their domain. Turns out, that's right where I belong! To this day, I still work with Richie and give him all my referrals for closing busisness, not just out of a sense of loyalty and gratitude but because there truly is no better closing attorney around. His staff are incredibly adept, educated, passionate and just all around perfectly professional. Anyway, I have been so blessed to be able to help people's dreams come true. Yes, I do recognize that people make their own dreams come true, but I sure enjoy helping!
So, if you're in need of mortgage financing on your existing Massachusetts, Maine or New Hampshire home or you want to purchase a new one, or if you simply want to chat or ask me some questions, call or email me! While I arrange mortgage financing of almost any type for any qualified applicant, I am a 1st time buyer specialist and I also specialize in home improvement/renovation financing for existing home owners or those buyers that wish to acquire "fixer-uppers" that they wish to improve and live in. I am a licensed NH loan originator which means that I can arrange a mortgage loan for you anywhere in the state of New Hampshire. I am also pursuing my Massachusetts licensing in 2009. However, if you need a Massachuestts mortgage loan the branch that I work for is MA licensed and has licensed reps that can help you!
I look forward to hearing from any of you about any topic you want. I love to hear from good people and all about their experiences, upbringings, and basically whatever makes their world go around. Be prepared, though, I am an eternal optimist and I do not subscribe to "The sky is falling" hysteria being over publicized by pessimists and the media in general. Why? Well, because home ownership is and always will be a person or family's strongest asset and investment, values always go up and down over time, as we all know, and I have full and complete trust that Uncle Sam will disallow a total market avalanche. Let's chat some time!
~ Jamie Woods
Sara Mortgage & Financial, LLC Cell: (603)-965-8241 Fax: (801)-672-7916
June 22, 2008
"Hi Jamie! I got your name because you came HIGHLY recommended from my brother-in-law, Dwayne, and his girlfiend, Amy. They just bought a home last month and you were the key person in helping them get their home! My husband and I have been renting a HUGE five bedroom house from his parents for a few years and are very, very sick of renting and throwing our money out the window (especially since it is so expensive to heat!). We really want to downsize and get something small. We have found a place we like about 20 minutes from where we live now which is in central western, NH. Hope you can help! Michelle"
August 2, 2008
"Jamie! We just don't know HOW to thank you enough! As you know, we are absolutely thrilled and delighted to have met you and to have been helped in such a kind and sincere way. You made not only the qualifying and approval process so easy and stress-free but it was obvious that even the agents and the attorney at the closing just absolutely loved you. This was not an easy deal by any stretch but you made it happen! We love you so much! God Bless. Michelle"
May 30, 2008
"The FHA program Jamie recommended is wonderful. We had researched many banks, interest rates, PMI, everything we could think of before buying our home. We first talked with a mortgage company, and they told us there were no 100% financing programs available and we would need 5% down PLUS closing costs. As a young family, we could not afford that, so we went back to the drawing board. Thats when we found Jamie Woods. He got us everything we needed. We got 100% financing and the seller paid our closing costs!! We had no money down. During the process we had questions and when we called to talk to Jamie, we felt like we were his only client. He responded very quickly and was very helpful answering questions. We would highly recommend Jamie Woods anytime!"
Amy J. Lebanon, NH
Stacy St.George from RE/MAX Elite had this to say....
"In a market where people are just sitting back and waiting for business to come to them, Jamie is being pro-active and finding the business to bring to the agents by calling renters in the area and inviting them to these monthly buyer seminars. He is very educated in the programs he offers, and takes the time to listen and answer the questions these buyers have. I would highly recommend Real Estate Agents to use him to help build their buyer business in todays market."
Rebecca Skane of Keller Williams Seacoast Realty (a fellow activerainer!) had this to write:
"You are an amazing professional with a wealth of information to offer! That is why real estate agents like me love mortgage specialists like you!" 10/30/2008
"Dear Mr. Bates, December 10, 2005
I am writing you today to express my thanks to your organization for handling my purchase financing request on our new home in Rohde Island. My fiancé and I are particularly grateful for Jamie Woods, your finest mortgage consultant. Jamie handled our request from start to finish with the utmost congeniality and professionalism.
I am a self-employed carpenter with an alternative financial and credit profile. Jamie not only assisted my fiancé and I in the purchase mortgage but he also took the initiative to challenge a faulty item on my credit report, which is now being resolved and as a result, my score is increasing.
It was an absolute delight working with Jamie, who made sure that our needs were met to the fullest, not only now but also in the future. We will definitely be referring our friends and loved ones to Jamie and your company when the time comes."
Very Truly Yours,
R. Prezioso
Warwick, Rhode Island
"To Whom It May Concern, January 4, 2006
I would like to thank you and Jamie Woods for all your diligence and persistence on refinancing my multi-family home in Danbury last month.
Not only did Jamie seemingly make the impossible happen but also got the deal done in less than two weeks and at a rate that was unheard of while I was shopping lenders.
Furthermore, I would like to add that I almost had to cancel the deal at the very last minute due to a sudden illness in my family overseas. When I notified Jamie that my father had taken ill and I needed to cancel or postpone the refinance, Jamie's first and only concern was my father's health and well-being. Jamie wished me a safe trip to Brazil and sent his prayers with me. Fortunately, my father's health improved, I was able to remain in Connecticut long enough to get the deal done, and also, when I returned, there was a gift basket wrapped and awaiting my arrival sent from Jamie.
Jamie is a breath of fresh air and I would recommend him in the highest to anyone considering a mortgage of any type!"
Sincerely,
M. Louzada
Danbury, Ct.
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