As Americans wait for the real estate market to recover, many homeowners who can afford their current mortgage are considering walking away from their mortgage obligations. “It is a business decision,” most would say, “banks do it all the time when it serves their best interest.”
So, should you walk away from your mortgage?
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For more information please visit http://www.Brookstone-Law.com or call Brookstone Law today! 1-800-304-1538.
Brookstone Law
4000 MacArthur Blvd., Suite 1110
Newport Beach, California 92660
http://www.Brookstone-Law.com
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http://www.kw.com
An Adjustable Rate Mortgage may offer a lower initial interest rate and monthly payments than a conventional fixed rate mortgage.
After an initial term, the interest rate on an adjustable-rate mortgage loan is re-set periodically to keep the rate in line with current market interest rates. For example, a 3/1 ARM loan offers a fixed rate for the first three years. The interest rate adjusts once a year thereafter. 5/1, 7/1 or 10/1 ARM loans offer a fixed rate for the first five, seven or ten years respectively, adjusting yearly thereafter. The lender sets the adjustable interest rate by adding a fixed percentage to an index rate. When the interest rate goes up, your monthly payment also increases.
Most ARM loans have a periodic rate cap and lifetime cap to limit the amount the interest rate can increase each adjustment period and over the term of the loan.
If your start rate is less than the fully indexed rate your interest rate and monthly payment may increase significantly at the first adjustment — even if the Index does not change. And, your interest rate and monthly payment will increase even more if the Index rises.
Discuss with your mortgage professional how an adjustable rate mortgage may be the solution to your financing needs.
For more information, please contact a Citi Mortgage Consultant at 1-877-693-0217.
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http://henrietta.whec.com/business-directory/real-estate/60945/eastcap-mortgage
At Eastcap Mortgage we can tailor your Home Loan package to fit your needs and determine which loan program is best for you using many factors such as in-come, credit, work history and expected period of home ownership AND many lenders to choose from.
My involvement with your loan does not stop at the application….I keep track of your loan status throughout the entire loan process from application to closing. I am your only point of contact so you don’t have to talk to someone who may not be aware of your situation.
I am always available to answer any questions and to offer my experience and knowledge in order to assist you. I can be reached by email at snally@eastcapmortgage.com or you can call my cell at 585-733-0831.
Feel free to visit our website www.eastcapmortgage.com for information regarding the home buying process as well as credit repair.
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Realty, Real Estate, Mortgage, House, Home, Living, Rochester, Henrietta, New York
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http://nashvillerealestateadviser.com/
Call Monte directly at (615) 300 – 8393.
Professional Realtor Monte Mohr answers user questions that vary from qualifying for a mortgage to lowering your asking price. Monte has over 20 years of real estate experience and is here to help you navigate through the process of buying or selling your home. You can call him direct at (615) 300 – 8393.
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http://www.kw.com
A Fixed Rate Mortgage offers peace of mind. Regardless of fluctuations in the market, your principal and interest payment remains the same for the duration of the loan.
Lenders generally offer Fixed Rate Mortgages for 10, 15 and 30 year terms. The longer the term of your loan, the lower the monthly payment will be. With a shorter term, you will build equity in your home more quickly.
Because they offer a monthly payment that is known and does not change, fixed-rate mortgage loans are the traditional choice of home buyers who plan to stay in their home for many years and want to build equity in their home.
For more information, please contact a Citi Mortgage Consultant at 1-877-693-0217.
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Considering that you’re likely to be paying it off for the next 25 years, you’d be wise to shop around for the best mortgage.
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http://www.kw.com NOVEMBER Hello and welcome to This Month in Real Estate. I’m JAY PAPASAN.
Our top story: what kinds of homes are first time homebuyers looking for? We’ll have the answer in a moment.
But first, the numbers.
[NUMBERS]
And now, our top story. According to a recent report from KW research …
• Over half of all first time home buyers stayed in the same area where they were renting
• More than three quarters of all first time home buyers purchased a single family detached home
• Most first time home buyers purchased a three bedroom and two bath home
For tips on buying right the first time, we turn to News You Can Use …
NEWS YOU CAN USE
When it comes to the decision between buying or renting, some renters think they simply can’t afford a mortgage. The reality is if you’re renting, you are already paying a mortgage — it just happens to be your landlord’s, not your own.
Here are three secrets of homeownership that your landlord doesn’t want you to know …
Number 1: Equity. You can build wealth through equity. Think of equity as a long-term savings account. Every month you pay your mortgage, a portion of that mortgage goes into that account.
Number 2: Appreciation. You can build even more equity though appreciation. Think of appreciation as the interest your home earns over time.
Number 3: Control. A home that’s yours means you won’t need your landlord’s permission to paint, renovate and make it a home of your own.
If you’re ready to stop paying your landlord’s mortgage and start building your own wealth, talk to your real estate professional.
MAIN
That’s all for This Month in Real Estate. Thank you for joining us.
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How to beat foreclosure and save your financial health
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