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| HOUSING
“CHILL” YIELDS “HOT” SUMMER BUYS! |
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RATES
ARE STILL AT HISTORIC LOWS! |
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Still sitting on the fence as you watch your family and friends land those
incredible real estate and remodeling deals?
Maybe it was an “uncertain” spring regarding your decision to relocate or remodel earlier this year… but now you can take advantage of those remaining “hot” summer bargains!
You still have to scoop up an income-producing property, a vacation home, or your dream home at phenomenally low prices with low-interest financing! Maybe it’s simply time to add that second story or pool and deck you’ve been wanting!
Our expertise can break down the barriers!
What’s stopping you from taking that next step? Market uncertainty? Credit problems? We can help you.
And those you refer to us, make an “informed decision” based on
FACTS, not FEAR!
CALL US TODAY!!
Your Mortgage Professional,
Jim Barry
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There’s practically never been a better time to buy or refi!
Although rates have fluctuated, interest rates are still at historic lows! There’s practically never been a better time to buy or refi! We can lock in your low rate when you
ACT NOW – before mortgage rates go even more.
Getting the ideal home loan is as important as selecting the right home. Whether you’re considering refinancing or relocating, we’ll help you compare your financing options to find the best loan at the best possible rate!
When you, your family or friends need any mortgage assistance, ask about our brand-new loan programs being offered in response to today's changing market.
PREQUALIFY
NOW! Prequalify in 10 minutes or less. Receive custom rates
and pricing. Get expert advice.
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| MORTGAGE LOANS |
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MORTGAGE BASICS |
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MORTGAGE TOOLS |
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RECENT BLOG ENTRIES |
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| ABOUT US |
PREQUALIFY
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MORTGAGE
TODAY'S RATES
AND TRENDS |
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A company small enough to be personal, yet experienced enough to offer the best in mortgage financing. Any mortgage company can take your application and quote you a rate, but only the best can shake your hand with confidence at closing. |
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There are various options to look at when applying for a mortgage. Get
an thought of which one may be best for you. Artisan Mortgage will
explain your alternatives to assist you decide what suits you best.
Receive custom rates and pricing. Get expert advice. |
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Not only can we assist you with new home purchases and refinancing,
but we specialize in jumbo loans, debt consolidation, home
improvement, investment properties, no-income verification, no equity
loans, and imperfect credit challenges. |
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Artisan Mortgage works with a variety of lending sources to deliver
the most competitive loan programs available in both conforming and
non-conforming markets. Begin by checking out current interest rates.
Call 1.800.499.0141 to get your rate. |
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Homeowners are turning for help renovating their homes to accommodate their changing lifestyles. If you or an aging family member or friend can benefit from a retrofitted home, talk to us about home financing today! |
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 IT PROVED TO BE A GREAT FINANCIAL MOVE! by Mary Cicone
I had two mortgages on two separate properties. As rates came down, refinancing helped me lower the interest rate and payments on both loans! It proved to be a great financial move for me.
I have a personal relationship with my loan professionals; the service I receive is phenomenal.
They keep an eye on the market for me and truly stay on top of everything. If they believe it’s in my best interest to restructure the terms of my existing loan or make any change within a certain timeframe, they let me know!
I don’t view them as my mortgage bankers or brokers, but more as trusted mortgage advisors and planners. I enjoy such a sense of security knowing that someone else is “taking care” of managing that end of my portfolio.
They have an impeccable reputation and live up to it… which is why I refer them to my family and friends without hesitation!! |
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 PROTECT
YOURSELF FROM “CREDIT REPAIR” SCAMS!
Be leery of bigger-then-life credit repair companies who promise to instantly “clean up your credit”.
Many such companies do nothing to improve your credit. They may charge up front fees and could simply vanish with your money. The truth is: everything a credit repair clinic can do for you, we help you do for yourself.
For the record, no one can legally “remove” accurate and timely dings from your credit report. Plus, the law already allows you to request a reinvestigation of disputed information at no charge.
However, there are some steps we may be able to help you take that will legitimately, legally and quickly RAISE your credit score!
Let our expertise go to work for you! We’ll show you where you stand, and how to correct any potential errors or blemishes.
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| MORTGAGE
NEWSLETTER |
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NEWSLETTER ARCHIVE |
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AT LAST, “LIGHT” AT THE END OF THE TUNNEL
According to the National Association of Realtors (NAR), a greater number of areas are showing sales gains from a year ago and recent changes in mortgage policies mean… the market is better positioned for a turnaround!
Lawrence Yun, NAR chief economist says, “While new home sales are down, what is more critical to assess is the overall housing demand in existing home sales, which comprises 85% of the market.”
We keep hearing about the excess inventory of homes, but Yun is quick to point out,
“Regarding existing homes on market, over the past 18 months the actual raw count is trending down. This is the type of trend we want to see.”
The good news on the mortgage front is that Freddie Mac and Fannie Mae announced that they were eliminating their “declining market” policies starting this summer! As a result, more consumers have been able to access affordable financing with down payments of only 5 percent on most mortgages… with 100 percent financing now available on specific loan products. |
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FANNIE MAE “EASES UP” ON “DOWN PAYMENTS”!
Among the changes in reaction to current market
conditions, Fannie Mac declared a new national policy on down
payment requirements for their conventional, conforming mortgages.
Starting this past June, Fannie Mae began accepting up to 97 percent loan-to-value ratios for mortgage processed through their automated underwriting system and 95 percent loan-to-value ratios written outside their system.
This means as little as 3 to 5 percent down!
This new down payment policy replaces last year's program that restricted the loan-to-value ratios on properties in markets where home prices were declining, which required higher down payments.
FREE CREDIT REPORT
When you Call Us Within 2 Weeks!!
No Cost - No Risk - No Obligation.
Count on us for the best rates, competitive
loans and superior service.
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Mortgage articles to help you make an informed
decision
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CURRENT AND PREVIOUS EDITIONS |
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 FRIENDLY FACE-TO-FACE CONSULTATION
We at Artisan Mortgage believe there's nothing like a friendly face-to-face consultation!
That's why we get to know you so we can
help you make an informed decision. We pride ourselves on our comprehensive, innovative and personalized mortgage services. No one else in New York and Pennsylvania does what we do!
We keep in touch with you regularly since the mortgage industry has
much more to offer then ever before! We are genuinely interested in
your changing financial goals. Call us today to find out what's new and how we can help you achieve your goals.
We want you to know how much we appreciate your confidence in us. We'd like to send you a birthday card and gift on your special day. Please call us with your birth date so we can let you know how much we care!
Sincerely,
Jim Barry, President, Nationally Published in "Mortgage Originator" Magazine |
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REMODELING FOR BABY BOOMERS WHO WANT TO
"AGE GRACEFULLY" AT HOME!
Certified Aging in Place Specialists (CAPS) are trained and certified remodelers assisting homeowners with needed adjustments so seniors can live in their homes comfortably. Even minor "aging-in-place" remodels make a huge difference in the lives of seniors and people with disabilities. No-step entryways, easy-to-grasp levers, seated work areas in the kitchen and grab bars in the bathroom and shower are some solutions CAPS have that can help seniors improve their quality of life.
FINANCIAL ARTISTRY - WITH THE SINGULAR
GOAL OF OUTSTANDING SERVICE- The
premier mortgage broker serving New York & Pennsylvania
- Outstanding personal service from application to settlement
- A full spectrum of mortgage & home-equity products, including
non-traditional & specialized loans -
Mortgages for residential, investment, and commercial properties
- The flexibility to customize a mortgage just for you |
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 CALLING ALL “FENCE SITTERS”!
Experts are saying that a Homebuyer Tax Credit is the key to motivating the massive number of “fence sitters” who are waiting to make their next home purchase!
The National Association of Home Builders called on Congress to move quickly to enact a second round of economic stimulus – including tax credits for home purchases. The tax credit is now under consideration.
NAHB Chief Economist, David Seiders, told the Senate Finance Committee, “Tax credits for the purchase of a home are a means of eliminating excess inventory, relieving some of the pressure on falling housing prices and ending the “waiting-on-the-sidelines” strategy some potential buyers have adopted in response
to overly negative media stores concerning the future of the housing market.”
We'll keep you posted on the details!
Call us for updates!
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WHY CHOOSE ARTISAN?
Other brokers may offer some of the same products we do, but they simply don’t offer our level of service. The ranks of mortgage companies and loan officers have swelled during the real-estate boom of the last few years, but many aren’t experienced enough, or conscientious enough, to deliver the best loan products.
At Artisan, we take the time to look at your situation, understand your goals, and find the mortgage that best meets your needs.
We provide face-to-face consultations for local clients, and a one-to-one relationship even with the clients at distance. Your loan officer works with you from start to finish and doesn’t hand you off to someone else once the loan is originated. You have somebody you can call with any question about your loan.
Whether you apply in person, online, or over phone, you’ll get the kind of personal service that’s rear today. We’ve set ourselves apart in “quantity-first” mortgage word by developing real relationships with our clients.
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WE MAKE FRIENDS FIRST, AND DO BUSINESS SECOND.
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LET US CRAFT THE PERFECT LOAN FOR YOU.
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CALL US: NY, 631.859.9414; PA, 717.489.1770
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TOLL-FREE: 1.800.499.0141
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 NON-TRADITIONAL
MORTGAGE PROGRAMS
You’ve heard about the “sub-prime crisis”. The mortgage industry is experiencing a shake up, but there are still excellent loans to be had. One of our strengths is originating mortgage for buyers who don’t qualify for traditional products.
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Purchase
or equity loans
for those with imperfect credit or past bankruptcy
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Low-documentation or stated-income mortgages for the self employed
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If you don’t qualify “today” for a mortgage, we’ll work with you to help set you on a path to ensure you’ll qualify tomorrow. We’ll look at the long term, and that’s something most brokers just don’t do.
In addition to programs for buyers with credit issues, we have other types of customized loans, including:
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Reverse mortgages to allow homeowners age 62 or older to
remain in their homes and receive their equity in monthly payments.
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Whatever your situation requires, we have a loan program to fit your
needs. And we’ll make sure you understand all the terms of your
mortgage so you don’t get hit with crisis down the road.
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 THE
PREMIER MORTGAGE BROKER
Artisan Mortgage is fast becoming the premier mortgage broker in the Northeast serving New York and Pennsylvania. We have relationships with some of the most established lenders in the country, and access to hundreds of mortgage programs at the best available rates and terms.
Our president, Jim Barry, has more than a decade of experience in the mortgage and real-estate investment product knowledge, and will originate a loan that’s right for you. No matter with whom you work at Artisan, you’re assured of our singular commitment to outstanding service.
Given the recent upheaval in the mortgage industry, it's crucial to work with a broker you trust. We are that broker. Our business is based on honesty and ethics combined with competence and professionalism.
With offices in Islip, Long Island, NY and Hershey, PA, we're positioned to serve a client base from mid-state Pennsylvania to the greater Philadelphia and New York City areas.
Artisan Mortgage... Committed to building
relationships, not just business. |
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 TRADITIONAL MORTGAGE PROGRAMS
Artisan has a full spectrum of traditional-type mortgage programs at the best available rates. Many offer smaller down-payment options and lower closing costs than typical.
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Purchase loans for residential, investment, and commercial
properties. These include conventional, FHA, fixed- or variable-rate mortgages, balloon mortgages, and more.
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Construction and end loans to build that brand-new home, a dreamed-of vacation villa, or your own office building.
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Home-equity or refinance loans to take cash out for home
improvements or other expenses, consolidate debt, lower your
interest rate or payment, or use your equity to purchase another
home “non contingent”.
Whether you’re buying your first home, your
fifth, or investment property, we have programs that work for you.
Let Artisan Mortgage give you a fresh perspective on your
current mortgage situation with our innovative products and some of
the best mortgage rates. |
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