Doylestown, PA

Our portfolio true jumbo mortgage rates continue to trend downward this week in Bucks County, PA. Despite the 2009 conforming loan limit remaining at $420,000 in Bucks County, we still are able to offer affordable financing to qualified borrowers for purchases as well as refinances. Bucks County is one of the many Counties in PA where the conforming loan limit remains around 417k.

Currently we have the following Jumbo Rates with 0 points as of business close on 7/1/2009:

10/1 ARM 5.5% 5.55% APR

30/15 Balloon 5.75%** 5.79% APR**

30 Year Fixed 5.875%** 5.94% APR**

7/1 ARM 5.125% 5.155% APR

Typical minimum FICO scores of 680/700. Full Doc loans only. Subject to verification of post closing assets and full underwriting.*

With our corporate offices in nearby Horsham, PA., we are always looking to offer niche financing in our own proverbial backyard.

Currently with loan to values of up to 80% on purchase money/rate term refinances to $750,000, 75% on purchase money/rate term refinances up to $1,250,000, and up to 70% Financing to $1,500,000. This is also a great program for second home financing.

We also have 5/1 ARM programs in the mid 4's for loan to values of 70% or less.

We also offer competitive pricing on FHA, VA and Conventional Loans in Bucks County, PA, as well USDA loans in qualified RD areas. Stated Income programs are also slowly making a comeback as well..

We also have other Jumbo available in Bucks County, including our bi-weekly equity builder loan program, which allows for financing to trusts, both revocable and irrevocable. Call for details on these ever-changing products.

Michael Byrne

908 531 6170 Cell

www.refi-fhasecure.com

www.mortgageprosforum.com

* Guidelines subject to change without notice and subject to final investor underwriting **Price adjustments for loans over $750k on fixed rate loans: add a .25% for fixed rates over 750k

Gateway Funding Diversified Mortgage Services, L.P. is licensed by the PA Department of Banking as a first mortgage banker and licensed pursuant to the PA Secondary Mortgage Loan Act; Arkansas Mortgage Company License; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act; DC Mortgage Lender and Broker; a Georgia Residential Mortgage Licensee (#15499); Illinois Residential Mortgage Licensee; Kansas licensed Mortgage Company; Massachusetts Mortgage Lender and Broker (#MC-3052); Licensed by the New Hampshire Banking Department (#10192-MBB); Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker NYS Banking Department; a Mortgage Lender and Broker in Rhode Island; Gateway Funding is also authorized or exempt as a mortgage banker in AL, CO, CT, DE, FL, IN, IA, ME, MD MI, MN, MO, MT, NE, NV, NM, NC, OH, OK, OR, SC, TN, TX, UT, VT, VA, WV, and WI. This is not an offer to extend credit to any individual who may be entitled to a more complete disclosure per RESPA, TILA, HOEPA or any other more applicable federal, state or local law or regulation, Rates, Terms, Fees and Equity requirements are subject to change without notice. For qualified borrowers only. Equal Housing Lender. © 2008 Gateway Funding Diversified Mortgage Services, L.P.

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Doylestown Colonial Reduced $20,000!

REDUCED $20,000 To $474,900 In the Hearthstone Neighborhood In Buckingham Twp. Bucks County PA

All Wallpaper Has Be Removed and Most Of The Rooms Have Been Freshly Painted!!!

This beautiful colonial with stone facade is situated on a cul-de-sac in the desirable Hearthstone Community. This home's curb appeal with custom driveway, walkway and landscaping is inviting you to come in. The main level features formal living and dining rooms with bay windows, a two story sun drenched family room with a stone fireplace and a wall of windows, kitchen feature stainless appliances, ceramic tile counter tops and backsplash, hardwood floors and an Anderson slider leading to the covered back porch featuring mahogany floor just in time for spring & summer. Upstairs boasts the main bedroom suite with two walk in closets and private full bath with both a whirlpool tub and a stall shower, three other nicely sizes bedrooms and full bath. The finished basement has three separate areas for entertaining or relaxing. Come and enjoy this beautiful home located in beautiful Bucks County and close to shopping, schools and main roads. Special financing incentives available on the property thru Sirva Mortgage

Contact Marcie Purcell 215-534-2539 And Linda Tremblay 215-534-2369 For More Information and Pictures Of This Home At 3962 Amberton Court Doylestown, PA 18901

Growth Leader has blossomed, and is keeping me very busy!  HOORAY!

 I met for the second time today, with my first Growth Leader generated buyer.  They brought additional family members, and we have placed an offer on a house!

 This afternoon, I am meeting with my second Growth Leader generated Buyer, also for the second time as well.  We are looking at 11 homes, with a goal to settle by June 1 at the latest!  They are motivated, and pre-approved.  We are discussing how to purchase a home with these first time home buyers!

 This past week, the third Growth Leader generated buyer I have met, was preapproved for his mortgage, and we are planning our second house hunting trip together.

 Tomorrow, the fourth Growth Leader generated buyer and I, are going to look at homes.  She is a first time home buyer as well, and is excited about the home buying process.  She has an appointment to get pre-approved as well.

 76 active and hot prospects are in my data base on Growth Leader now, and I am getting more leads every day.  I am actually in the process of showing homes, or in contact with all 10 of my HOT leads!

 I also have two of my buyers, that directed to my Growth Leader web site, where they actually found their home, and they are in the SOLD category.

 I have two pages of inactive and trash leads with some very famous people.  I have the likes of Mickey Mouse, Ben Dover, and Courtney Love, search for homes in my web site.  I feel so privileged they took the time to come visit ME!  LOL!!

Overall, I am very excited and pleased to be on the Growth Leader program.  It is a great place to organize leads, follow on leads, and contact leads, all the while, farming and cultivating my on line farming area in the attempt to get a house sold.

 Thanks Growth Leader

Don Bradbury

www.servingbucksandlehighcounties.com

 Top 10 List – How to have Success with internet leads from Growth Leader 

10:  Be Organized – Subscribe to a contact management program like Growth Leader that will allow you to manage your leads, as well as offer advertisements to generate a steady stream of internet leads to your web site. 

9:   Be Respectful of their Anonymity -   Internet leads like to be anonymous.  Respect this.  Offer your services.  When they are ready to make a move, they will call.  They really will. 

8.  Be Informative – Offer information to your leads when requested.  They will come back to your web site again and again, each time, seeing your picture and contact information.

7.  Be Responsive -  Have a Blackberry, or hand held device, that will alert you that a new lead has arrived.  Respond immediately and offer your services.

6.  Be Assertive -  Do not be afraid!  When the new contact is in your web site, Call them.  Call them while they are still searching for homes.  They will be impressed!

5.  Be Consistant -  Work to manage your leads in each category each and every day.  Each and every day!

4.  Be able to embrace technology -  Be aware that internet leads will become a larger part of our business as time moves forward.  Those that do not recognize this will be left behind.

3.  Be Persistant – When a lead re-visits your web site, send them the recommended properties, and make a note to yourself on the notepad, so you know the status in the future.  You will see them visit once again.

2.  Be Ethical-  Follow the code of ethics when dealing with the internet leads, and cultivate them into a client that will go to the closing table

AND THE #1 KEY TO SUCCESS WITH INTERNET LEADS FROM GROWTH LEADER,

 1.  Be Patient -  Patience is the key when dealing with internet leads.  They will call you when they are ready.

$8,000 Tax Credit for First Time Homebuyers

Note: This is intended to provide an overview only - for specific information or individual concerns, please contact your lawyer, accountant and/or financial advisor.

Congress has recently passed a federal income tax credit for first-time homebuyers that is the lesser of either 10% of the home's cost or $8,000.
This will be available to qualified first-time home buyers for the purchase of a principal residence between January 1, 2009 and before December 1, 2009.
For example:

• The tax credit is available for first-time homebuyers or those who have not owned in the last three years.

• The credit does not require repayment (unlike the 2008 iteration of the credit). The credit will be claimed on a tax return to reduce the purchaser's income tax liability. If any credit amount remains unused, then the unused amount will be refunded.

• If the home is sold within three years of purchase, the entire amount of credit is recaptured on sale.

This measure can help to significantly lower housing inventory, bring stability to home values and move the country closer to economic recovery. Many industry experts have said that the tax credit for first time homebuyers could result in up to 300,000 additional home purchases each year.
The following chart provides more information:

Information courtesy of http://www.realtor.org and http://www.whitehouse.gov