MortgageAdviseandNews

Interest rates have rallied and improved dramatically. Those who are acting quickly are saving. In fact, rates are at an all-time low. Bottom line, they are "smokin' hot" right now – but won't be for long.

Regardless of whether people want to convert their loan to a 15-Year fixed to potentially save over $100,000 in payments over the term…or drop their payment several hundred dollars a month, people are acting now!

However - one thing you have to know…rates are incredibly volatile and are not likely to hold these levels. We might only have a few days to get you approved and look into locking your interest rate at the best rates we will ever see.

Call me quick! Let’s analyze your current loan and see just what we can do to put some money back in your pocket. I never thought I would see rates this low across the board - so don't miss this chance.

I look forward to hearing from you!

P.S. Home sales and home prices continue to improve. Monday, the NAR released information that shows strength in housing. If you are in the market to buy a home, act now before monthly payments increase as both prices and rates move higher.

Or, if you are looking to refinance and could not last year because of home values…you just might be able to now. Call me!”

This Apple Just Fell From the Tree!!!   Now I can get rid of my monthly mortgage insurance and lower my interest rate!!!!

Conventional Up Front Mortgage Insurance - Have you spoken to your L&G Mortgagebanc Loan Officer lately?   You could be paying hundreds less monthly and saving thousands over the life time of your loan!!!

Call, or, email me today!

Jeff Rockland, LO 0911543, NMLS 180301
L&G Mortgagebanc
BK 114977
(520) 891-0763
jeff@jeffrockland.com

If you have been following my Rate Lock Advisory at http://www.jeffrockland.com/BestRatesforTucsonArizonaHomeMortgageLoans

or even if you haven't, you need to check out todays rate sheet:

http://www.jeffrockland.com/RateSheet

Know anyone I can help?  I am here to get you the best rate available.

Jeff

WOW!!!!! RATES HAVE DROPPED AGAIN.  ARE YOU STILL WAITING TO REFINANCE OR BUY YOUR DREAM HOME?  DON'T MISS THE BOAT FOLKS!!!  MORTGAGE RATES HAVE DROPPED AND ARE INCREDIBLY LOW!!!

CHECK OUT TODAY'S RATES NOW: http://www.jeffrockland.com/RateSheet

Attention Real Estate Invesors – Emotions are not invited

Interest rates have rallied and improved dramatically on the heels of the recent European debt concerns…and what is most important is that due to the highly unusual set of circumstances that exist in the market, those who are acting quickly are saving. In fact, Freddie Mac reported last week that rates have met either all-time lows or 2010 lows. Bottom line, they are "smokin' hot" right now – but won't be for long.

Regardless of whether people want to convert their loan to a 15-Year fixed to potentially save over $100,000 in payments over the term…or drop their payment several hundred dollars a month, people are acting now!

However - one thing you have to know…rates are incredibly volatile and are not likely to hold these levels. We might only have a few days to get you approved and look into locking your interest rate at the best rates we will ever see.

Email me quick! Let’s analyze your current loan and see just what we can do to put some money back in your pocket. I never thought I would see rates this low across the board - so don't miss this chance.

I look forward to hearing from you!

P.S. Home sales and home prices continue to improve. Monday, the NAR released information that shows strength in housing. If you are in the market to buy a home, act now before monthly payments increase as both prices and rates move higher.

Or, if you are looking to refinance and could not last year because of home values…you just might be able to now.

Email me!”

Alright, so here are few posts from my facebook fans page that I just started regarding applying a roof coating.

Day One - My wife was right, I didn't get the sun screen all over my back and now I am a zebra lobster!

Lots of information in the news these days.  What is a first time home buyer to think?  Chances are, if you have never purchased a home, you find this activity quite scary.  The news doesn't help.  You see foreclosure news and you think that this market could get worse.  You might have saved a little money but do not want to put this money at risk.  If you wait, you think that perhaps you will get a better deal or even that the market will go back up and you will then feel encouraged to join the movement.

My advise?  Choose a path that is suited to your life.  If you plan to be living in the same town you are living in for at least 5-10 years, now would be a good time to make a comparison between the pros and cons of renting vs. owning.  http://www.jeffrockland.com/RentvsBuyCalc

I have 3 concepts that guide my real estate purchase decision:

1) Can you by this property for a price below the current appraisal?

2) Can you increase your cash flow (taking into account taxes, appreciation, payment of principle and possible rents) by purchasing this property?  With this calculation, I like to look at the cost of all funds going into the purchase.  Additionally, if I am buying a multi-unit property and renting out the units that I won't occupy, then I count these units and their costs and expenses as well.

3) Are you buying a good property with a minimum of the following:

a) property is priced and sized as average or smaller (and cheaper) than the majority of houses in the neighborhood.  By the Chevy in the Benz neighborhood.  Not the other way around.

b) neighborhood has potential for increases in values that can clearly be identified.

c) property has no "unique" or "strange" features.  Do not overlook bad Feng Shui, poor construction or design choices, un-permitted additions, unknown materials.  It will always be harder to sell a property that has problems.  On the other hand, some problems are easy to fix and can result in your great fortune.  The thing is, do you know the difference? 

Ultimately, buying a home is a huge decision, especially the first time you do it.  Having a professional team which includes an expert realtor and mortgage professional is essential.  Finding people you can trust to look out for your interests is an important first step. Unfortunately, our current real estate market has made many buyers distrustful of all real estate professionals.  Buyers often waste a lot of time trying to get several loan companies to give them a quote before deciding who to go with.  What buyers need to understand is that lenders cannot guarentee a quote until a borrower is approved.  So, instead of choosing a lender based on something that is completely unreliable, it is a lot smarted to get to know what to look for in a lender and to find someone you are comfortable with that will get the job done. 

Todays best choice is a mortgage bank.  This is because the mortgage bank funds it's own loans, can approve it's own loans and still has more choices than a Retail Bank and more reliable approvals than a Broker.  L&G Mortgagebanc has been originating loans for 25 years.  We are a mortgage bank with offices through out the country.  Our unique underwriting process and protocol for intaking loans gives us a great advantage over any other Mortgage Banks that I am aware of. 

If you want to get a solid approval for a loan and advice from someone that has been buying and financing real estate since 1984, call Jeff Rockland at L&G Mortgagebanc 520-891-0763.