It's true...I can't work under these conditions. Here in Charleston, South Carolina the sky is blue with little white puffy clouds drifting by..the temperature is at 76 lovely degrees. The downtown market is screaming my name. The beach is beckoning. All I can think of are sparkly new sandals AND the Tanger Outletsis having some amazing sales. The Eddie Bauer Outlet is having a spring sale - up to 60% off from 3/18/09 - 4/21/09.
Spring is in the AIR and I and I'm sick and tired of hearing about the economy!!!!!
|
LOAN PROGRAM |
INTEREST RATE |
APR |
|
30 YR CONV FIXED |
4.750% |
4.842% |
|
15 YR CONV FIXED |
4.500% |
4.597% |
|
FHA/VA 30 YR FIXED |
5.000% |
5.097% |
|
JUMBO 30 YR FIXED |
8.500% |
8.597% |
|
RURAL HOUSING- USDA |
5.500% (zero down no MI) |
5.597% |
|
SC STATE HOUSING (CATEGORY III AND DISABILITY PROGRAM) |
6.000% $5,000 DPA Available on all 3 Categories now!!! |
6.097% |
*** Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Residential Mortgage has access to hundreds of loan programs. The programs and rates listed here are just the most popular. If you need something different please let me know and I will try to find it. I will beat or match any offer you bring me in writing from my competitors for all FHA, VA and State Housing Loan
At Your Service,
Melissa "The Mortgage Maven" Breeland
902 Savannah Hwy
Charleston, SC 29407
Best Phone: (843) 991-6532
Fax: (843) 725-2363
I have created a monster!My husband has been in the mortgage industry for 479 years and he also sits on the board of directors for *RESPRO. He's a real smarty-pants and rarely shares his brilliance with the rest of the world...UNTIL I started to nag him into blogging. Nagging is actually a good thing..don't know why husbands hate it so much.
Well, now he blogs about absolutely everything under the sun...he snaps pictures of grass growing with his fancy shmancy Blackberry and posts those here on AR for our sleeping pleasure..I mean viewing pleasure. He forces me to read every blog and AND even has been known to appropriate my ideas for blogs occasionally. Who ever makes it to the computer first wins! Of course this is not news to his FOURblog subscribers.
So, if you read a particulary interesting blog posted by Kevin Breeland....just remember the real source behind the inspiration! ME. well, maybe....sometimes...
Oh, did I mention he is also on Twitter?! @ResidentialMTG What is the world coming to?
*RESPRO - The Real Estate Services Providers Council, Inc. (RESPRO®) is a national non-profit trade association that unites providers from across the home buying and financing industry towards one common goal: A business and regulatory environment that better enables all of our members to efficiently offer affiliated services through subsidiaries, joint ventures, and strategic partnerships.
Do you need someone who knows government loan programs inside and out? If so, please give me a call...I specialize in VA/FHA and State Housing Loan Programs for the South Carolina Home Buyer.
Hi there. My name is Melissa Breeland and I have been originating and CLOSING loans for 8 years now. I love it..it's my passion! I specialize in FHA/VA and SC State Housing Loans.
There for awhile traditional financing wasn't very popular...it wasn't cool or hip. In light of the "Sub-prime Mortgage Meltdown", I'm glad I learned from the best how to analyze income and how to structure a deal that will not fall apart AND that is a wise investment for the borrower. I'm glad that I did my home work and researched programs until all hours of the night. I'm glad that we are weeding out the bad apples and are getting back to basics. There is nothing wrong with asking buyers to prove their income....those deals don't end up in foreclosure! Those deals don't destroy neighborhoods and families.
With so much negativity in the news today about the housing market you may be asking yourself, "What's left?" Plenty...the solid loan programs are in place and the reputable lenders are still here. It's a new day and the grass is green and the skies are blue. Let's close some loans!
MELISSA'S BLOG DISCLAIMER
The opinions expressed in my posts on this blog are those of the author only, and are not necessarily endorsed by the author's company or affiliated businesses. Any data provided is deemed accurate but not guaranteed. Opinions expressed in comments to this blog are not necessarily endorsed by the author.
"Melissa, We loved the way you related with us, you made us feel very special; like we were your only client. When we went to closing, last Friday, we were very surprised, that you had lowered our monthly mortgage payment, $40.00. That was great!!!
Thanks again,
We will be recommending you to potential buyers."
~ Bob & Lisa Butters
"Dear Melissa,
I would like to send you a note of thanks for taking such great care of my client. You definitely went out of your way. You did so much for my client. I will always send you my future business. I also love the e-mail updates. I do not know anyone doing that. Thanks again and I look forward to the next deal.
Sincerely," ~ Neil Schneider, AgentOwned Realty
"Dear Melissa,
We just wanted to say thanks for all your hard work, good advice and patience in helping us buy our first home! We also really appreciated that basket which arrived during closing. It was a thoughtful touch! Thanks again!" -Wayne & Cindy
"Thanks so much Melissa, This was the easiest loan that I have ever closed. Your professionalism and tenure in this transaction caused for happy clients and referrals from those clients.
I am so glad that you and your company are in our market to make this entire process hassle free for our clients. Keep up the amazing work." ~Jeff Cook An AgentOwned Realty Co.
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