Changing Market

The game has changed. During the pre-2006 real estate boom, guidelines and mortgage programs had expanded and increased…now they are tightening and retracting. Have you noticed the following:

• Except for V.A. Loans, 100% financing is almost non-existent.
• Debt-to-income ratios are getting tighter.
• Credit standards are getting tighter.
• Lenders aren’t as flexible as they once were.
• Foreclosures continue to rise and financially stressed homeowners need proper guidance more than ever.

Free Reviews

I'll help you navigate a soft landing, and I'll make sure the home you are in today is the home you can afford tomorrow. These are just some of things I do for my clients:

• Credit Reviews; Are you Mortgage Ready? If not, I'll help you Repair your credit so you can be Mortgage Ready.
   
• Recast Reviews; Is your interest rate and house payment going up? If so, have you reviewed the terms of your loan contract to determine how much your payments will increase?

Free Services

• Equity Review; If you had to refinance, do you know how much your home is worth? If your property value has dropped below the current mortgage owed, you may not be able to refinance. However, there are things we can try. Call me. I'll explain.
   
• Home Pay-Off Acceleration Program; I'll show you how to pay off your mortgage years sooner without an extra penny out of your pocket. You'll be amazed when I show you how simple it is.