We are preparing you for current market shifts. It’s important that we inform you of the new lending criteria and help you optimize your credit profile, so you’re ready to take advantage of borrowing opportunities at the drop of a hat.
In the past, there was no harm in applying for a home loan at eleventh hour-but that may not work any more!
That’s why it pays to plan ahead with smart home financing strategies!!
The cost of waiting until you have an urgent need is greater now than it has ever been. So it’s a good idea to have your current property values and your credit status at your finger tips-even if you don’t think you need them right now!
The truth is, without a good credit score, you aren’t going very far these days. You’ll need it to get a job, credit card and/or any type of loan.
Honestly, even if you have no intentions of purchasing or refinancing any time soon, we invite you to give us a call. After all, we’re your personal mortgage consultant not only during and after your loan transactions, but “in between” loans as well!
Stop your family and friends from throwing away hard-earned money by “renting” every month. Why rent when we can help them OWN!!!
You probably know someone who can actually own a home for close to what they pay in rent! After all, there are so many flexible, innovative First-Time Buyer loan programs available.
Today, there's almost no reason they shouldn't at least TRY to BUY!
Let's face it: Not everyone knows about First-Time Buyer programs and the benefits of owning a home. If you don't tell them, who will???
Be a true friend and a caring family member. Arm those you care about with the facts about home ownership! The truth is, renting offers no equity, no tax benefit, no protection against rent increases and nothing to show at the end of each year!
On the other hand, owning real estate is an important step toward wealth-building and financial freedom!!
IT'S BETTER ON A BUDGET!!
MORTGAGE LOANS
MORTGAGE BASICS
MORTGAGE TOOLS
If you're like most, you're probably living paycheck to paycheck. Financial experts say it may not be your salary that's to blame. Chances are it's just poor spending choices!
Try this 3-phase budget plan…
DISCOVERY PHASE: Track every dime you spend for one month. You'll learn a lot about your spending habits.
ACTION PHASE: Prioritize spending, live within your means and avoid excessive credit card use.
PROTECTION PHASE: Save money from every paycheck. Build and emergency reserve. Refinance to pay down debt and help build cash reserves.
The state of economy may be a bit spooky, but at
least we CAN help you stay in control of your personal finances with
excellence in mortgage planning through this office.
We intend to serve your home financing needs
throughout your lifetime, so take full advantage of the many
professional mortgage services we offer our valued clients.
Why call when you don’t need a loan? Here’s
why:
START
IMPROVING Your Credit Score NOW!
You may not be in the market for a mortgage,
but in a few months or a year from now, you might be.
So now is the time to work on enhancing your
credit profile.
We’ve helped countless clients, just like you,
correct costly credit reporting errors. When we help you raise your
credit score now, we’re helping you lower your loan cost later!
The steps you take today can help you save
thousands when you’re ready to purchase, refinance or consolidate
your debt.
Get
the FACTS on Current Mortgage News!
You hear about “mortgage bond prices pushing
mortgage interest rates lower”. Then in the next sound bite you
hear, “rates rose, pressured by stronger-than-expected consumer
confidence.” What does all this really mean to you? You don’t have
time to scour 20 newspapers and decipher the daily financial news.
We do! We’ll flat-out tell you how current economic conditions and
breaking mortgage news affect your unique situation. You take care
of work deadlines, grocery shopping and soccer practice. We’ll keep
you up to date on the latest loan programs and help you reach your
personal financial goals.
LET US HELP Your Family and Friends!
Why on earth would you have your parents, your
adult children, your best friend or your favorite uncle go to just
anyone for home financing! This is likely the largest purchase
they’ll make in their lifetime. It’s an important decision. Why not
make a moment to pass our name along the same personal attention we
give you and our own family and friends. In fact, with us… it’s like
having a “friend” in the business. If you know someone who needs our
services, have them give us a ring!
JUST SAY “HI”!
We’d love to hear from you about your summer
travels, your new job and what’s going on with your family.
The best way to serve your long-term
home-financing needs is to stay in touch. Circumstances change and
we’re here for you through those changes. We intend to provide your
family exceptional mortgage services for life. We look forward to
hearing from you today!
HISTORIC “HOUSING BILL” SIGNED!
DON’T MISS OUT!
There has been nothing like this in decades! Find out how this new legislation can help you refinance your existing loan into a safe, affordable loan product… and allow first-time buyers to enter the market!!
The “Housing and Economic Recovery Act of 2008”, passed by the Senate in August, is a landmark housing bill aimed at bolstering the housing market. One of the objectives of the bill is to offer affordable government- backed mortgage to home owners. Below are additional provisions included in the new bill:
The new conforming loan limits for Fannie Mac and Freddie Mac are greater of either $417,000 or 115 percent of an area’s median home price, up to $625,500. The new FHA loan limit will be the greater of $271,050 or 115 percent of an area’s median home price, up to $625,000. Both new loans will be effective at the expiration of the current economic stimulus limits on December 31, 2008.
New regulator for Fannie Mae and Freddie Mac to restore investor confidence in government-sponsored loans and help the market economy stabilize.
A first-time home-buyer tax credit, which allows first-time home buyers to receive a tax refund worth up to 10 percent of the home’s purchase price, up to a maximum of $7,500. The refund serves as an interest-free loan and the homeowner is required to repay it in equal installments over 15 years.
A temporary rise in the loan limit for the Veterans Affairs Home Loan Guarantee Program to the same level as the economic stimulus limits until the end of 2008.
The creation of a National Affordable Housing Trust Fund to help cover the cost of the FHA rescue plan for the first five years and develop affordable housing in subsequent years.
The new housing bill is good news for homeowners and future buyers-but there is a time frame associated with the provisions outlined in the bill.
You will want to review them with us, ASAP, to make sure you are taking the right steps in a timely manner.
For details on how the new legislation can help you, give us a call today!!
MORTGAGE SOLUTIONS THAT REALLY WORKS
We can't help you from afar! If we haven't heard from you in the past six months or more, it's a good time to get “re-acquainted”! There's a ton of exciting news on the horizon.
There's no substitute for a personal “one-on-one” consultation. The best part is, it won't cost you a dime! It's often the tiniest tidbit of information that ends up saving you BIG BACK! We have some great, affordable “First-Time Buyer” programs available.
Did you know that “first-time buyer” benefits actually apply to qualified borrowers who haven't purchased a home in three years!!
CALL NOW for mortgage solutions that really work for you.
FREE MORTGAGE CONSULTATION!
FREE APPRAISAL!
FREE HOME LOAN CONSULTATION!
NOW! We Can Help You Get Your Dream Home… or the CASH you need!!
Equity Loans
Refinancing
New Home Loans
Loan Consolidation
Best Rates
Quality Loans
Personal Service
Less-than-perfect credit? No Problem!
Share this offer with your family, friends and co-workers. Offer expires 11/30/2008.
When You Call Us Within 2 Weeks!
No Coast – No Risk – No Obligation
Need a new home loan?
Second Mortgage?
Ready to Refinance?
Count on us for the best rates, competitive loans and superior service.
Offer valid at the close of escrow. Cost of appraisal will be deducted from closing costs. Expires 11/30/2008.
Fabulous Fall Special!
New Home Purchase
Refinance
Bill Consolidation
Equity Line-of-Credit
Transferable. Please share this offer with your family and friends. Offer expires 11/30/2008.
79% OF CREDIT REPORTS ARE INACCURATE!!
GOT A
"SKELETON" IN YOUR CLOSET?
Is Yours One of Them??
That's right! According to the U.S. Public Interest Research Group, just under 80% of all credit reports have errors!
Your credit report determines the bulk of your credit score. Your credit score impacts the interest rate on your loan.
Having the highest possible credit score can SAVE you tens of thousands of dollars over the life of your loan. So why risk a higher interest rate as a result of incorrect information on your credit report!
Even if you're not in the market for a loan, let's use this time to “clean up your credit”. Call now to get started!
PLEASE, share this with your family and friends!!
WE APPRECIATE YOUR REFERRALS!
What skeletons in your closet are stopping
you from buying, refinancing or mortgage planning?
Concerned you won't qualify?
Past credit problems?
Are you fearful of economic fluctuations?
We can help you through your challenges!
Treat Yourself to a "FREE MORTGAGE
CONSULTATION!
If you hurry... you can "Fall" into the Best
Rates of the Season!
CALL NOW!
Toll-Free: 1-800-499-0141
"THERE'S NOTHING LIKE A PERSONAL REFERRAL!!"
“5 GREAT
WAYS” WE CAN HELP YOU NOW!
by Chinella and Tanorence Moorer
Thank goodness our realtor recommended Artisan mortgage professional to us! We didn't even feel the need to shop around, we had complete trust in the referral.
We felt so relaxed about entire process. They handled everything efficiently. No wasted time in the process. And we know they did the very best for us.
You name it. They did it.
Artisan mortgage helped us with our new purchase, refinance and equity line of credit. They also gave us expert advice on credit counseling, locking in the lowest rate and how our loan should be structured based on our needs.
We couldn't be where we are today without them! Because of their services, we truly enjoying our investment and our life! Of course, we refer others because we know they'll get the same service we did!!
PREQUALIFY
NOW!Prequalify in 10 minutes or less. Receive custom rates
and pricing. Get expert advice.
When you can’t prove your income… We can
help you get a great loan regardless of proof of income.
When you’re self-employed… We don’t see this
as an obstacle at all… we can show you why.
When you’ve had credit problems… We’re your
credit experts! We’ll evaluate your credit report and help you raise
your credit score so you get the best possible interest rate.
When you’re buying a home for the first
time… We have several easy-qual loan programs to help first-time
buyers enjoy the pride of home ownership.
When you don’t have a down payment to buy a
home… We have access to hundreds of brand new, unique and creative
home financing packages to help you get into your dream home.
We’re waiting for your call! After all, we have
exactly what you need and want!!
MORTGAGE
NEWSLETTER
NEWSLETTER ARCHIVE
WHY “FIRST-TIME BUYERS” NEED US!
We’ll not only shop
around for the best rates, we also educate our clients and walk them
through the entire loan process. We take the time to find out
exactly what our first-time buyers really want and can comfortably
afford.
It’s all a part of what
our clients describe as “exceptional service”. You could saw we jump
through hoops to match our clients with the right loan!!
When your family and
friends are ready to quit lining their landlords’ pockets and
own a piece of the American Dream, please have them give us a
call.
NO MONEY DOWN! NO OUT-OF-POCKET EXPENSES!
Several new financial
options hold special advantages for first-time buyers or families with
limited cash reserves. You probably know someone who is renting who
could actually own a home sooner than they dreamed
possible – with our help!!
We’re highly experienced
in creative solutions that work! Besides buying a home for the first
time can be overwhelming – even daunting to some folks. That’s why
we’re super sensitive to new buyers.
STOP DREAMING! START DOING!
How about adding another
exciting dimension to your poolscape with an inviting sunroom or a
brand new deck! Whether you select concrete, redwood, tile, brick or
stone decking, now is the time to start planning your backyard
paradise.
The good news is that up
to 76.8% of the cost of a deck addition is recouped in the sale of the
home. And according to experts, 66.3% of the cost of a sunroom
addition can be recouped.
LIVE EVERYDAY… LIKE THE WEEKEND!
An upgraded backyard
pool, deck and even a built in grill create the perfect outdoor
environment for home entertainment. The choice is yours!
Today’s smart homeowners
understand the value and benefits of remodeling projects of any kind!
Home financing may be sensible way to invest in your home and increase
its value over the long haul.
When you’re considering
a kitchen remodel, adding a bedroom or bathroom or making any major
household improvement, give us a call TODAY to see how much you
qualify for. DO IT NOW!!
Mortgage articles to help you make an informed
decision:
I recently came across a great buy on a
four-bedroom home that I couldn’t pass up. They were asking half the
original list price! I had no doubts that it would make a great rental
property.
With all the market uncertainty, I vacillated
back and forth. But once I realized that could be about as low as this
property would go, I didn’t want to lose out!
I went ahead and did
something that most financial professionals would not advise for
someone under age of 59! Since I had already lost about $25,000 on my
retirement fund over the years, I decided to make an early
withdrawal on my 401 (k) to purchase that rental investment
property.
I have no regrets! Because of today’s market
conditions, low home prices and attractive rents-I had a positive
cash flow for the very first month! (Something we haven’t seen in a
while!)
Once I maid the decision to move forward, my
mortgage consultant did an incredible job of getting me a great loan
at the best possible rate.
Even with the early withdrawal penalty on my
401 (k), I’m confident this will prove to be one of the best
wealth-building investments I can make right now!!
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DECEMBER - JANUARY - FEBRUARY - MARCH - APRIL - MAY - JUNE - JULY -
AUGUST
REASONS TO CALL US NOW!
START
IMPROVING Your Credit Score NOW!
LET US HELP Your Family and Friends!
JUST SAY “HI”!
