Diana's Neighborhood

Real Estate in New York & Connecticut – Won't you be my neighbor?

Rate Update…. Very Low!

 

Carey Lance Hollander
Retail Sales Manager
Guaranteed Home Mortgage Company
Phone: 914.424.5962
License: NMLS # 74044
chollander@ghmc.com
www.ghmc.com/chollander

 

 

 

 DOES PAYING POINTS MAKE SENSE?
Points are up-front fees paid to obtain a better interest rate on a loan. One point equals one percent of the loan amount. A lower interest rate may result in a lower monthly payment, but it is important to consider how long you intend to be in the loan, and to compare current rates to historical market trends.

If you take out a $300,000 mortgage and decide to pay one point, this translates into an up-front closing cost of $3,000. Paying a point up front saves $100 a month but it will take 30 months to recuperate the cost of that point. If you decide to refinance or sell the home before the 30-month mark, your money is lost. In this case, you would benefit financially by remaining in the home longer than the 30 months.

Rates run in cycles. When rates are at historical lows, it is sensible to pay points if you plan to live in the home for an extended period of time. It is unlikely that rates will go down; hence, there will be no need to refinance.

When rates are up, there is a strong likelihood that they will come down. This is no time to pay points. The chances of refinancing in the future are extremely high, and you will likely not be in the loan long enough to recuperate the cost of the points.

Mortgage Interest Rates*  CRAZY LOW!!!
Rates as of Saturday, 3rd December, 2011:

 

Term

Conforming

APR

Payment per
$1,000

Jumbo

APR

Payment per
$1,000

Arm Reset Term

30 Year Fixed Conventional

360

3.875%

3.909%

$4.70

4.375%

4.397%

$4.99

10/1 ARM

360

4.0%

3.782%

$4.77

4.0%

3.782%

$4.77

360

7/1 ARM

360

3.25%

3.338%

$4.35

3.25%

3.338%

$4.35

360

5/1 ARM

360

2.875%

3.222%

$4.15

2.875%

3.222%

$4.15

360

 


*Rates are subject to change due to market fluctuations and borrower’s eligibility. Payment amounts do not include amounts for taxes and insurance. Actual payments will be higher.

For professional use only. Not intended for consumer distribution.

Regarding the ARMs: Rates are up to $1,000,000 loan amounts. 20% down is the minimum downpayment required. Rates chance daily, not all borrowers will qualify. Equal Housing Lender/Direct Lender
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December 5, 2011 Posted by | Mortgage, Real Estate, Uncategorized | , , | Leave a comment

PMI Insurance is Tax Deductable

As you probably know, “piggy back” loans to avoid mortgage insurance are non existent and therefore homebuyers have no choice but to pay mortgage insurance when the down payment is less than 20%.  What you may not know is that PMI IS tax deductable (see article below) which makes it more palatable.  

 

   

  Carey Lance Hollander
Retail Sales Manager
Guaranteed Home Mortgage Company
Phone: 914.424.5962
License: 74044
chollander@ghmc.com
www.ghmc.com
 

 

     
 
       

 

 

Congress Makes PMI Tax Deductible
Millions of Borrowers Will Benefit

The federal government’s Private Mortgage Insurance legislation is great news for the real estate industry! Enacted on January 1st, 2007, the bill makes Private Mortgage Insurance (PMI) tax deductible for borrowers whose personal adjusted gross income is $100,000 or less. For millions of home buyers, the bill creates an amazing opportunity to finance a more expensive home or potentially obtain a lower payment for the same-priced home, while reducing annual income taxes by hundreds of dollars.

What is PMI?
Designed to protect lenders from defaults and foreclosures, Private Mortgage Insurance is required for loans exceeding 80% of the property’s value or sale price. Prior to the legislation, PMI was generally viewed with contempt by home buyers because of its perceived high cost and the fact that it was not tax deductible. For many borrowers, PMI was the only means available for financing their mortgage.

It wasn’t until the 1990s, when lenders began allowing “piggyback” financing, that homeowners and home buyers had an opportunity to finance a home without PMI. Under this scenario, buyers would take out two loans to cover the total amount borrowed. The first mortgage accounted for 80% or less of the purchase price or appraised value of the home; and the second mortgage, or “piggyback”, covered the remaining amount required to fund the transaction.

Reconsidering PMI
Now, thanks to Congress, potential borrowers may want to reconsider their aversion to PMI. After all, PMI makes it easier for some borrowers to qualify for a loan. Consumers should be aware that when the primary loan is accompanied by a Home Equity Line of Credit (HELOC), the approval of the first loan is contingent upon the approval of the second. In most cases, the approval requirements for the second loan are more stringent than those for the first. Alleviating this obstacle may enable buyers to consider a more expensive home or the purchase of preferred upgrades today rather than years from now.

It’s also important to remember that PMI doesn’t last forever. If a home appreciates at a rate of 4% annually, borrowers will be in a position to remove PMI within four years, resulting in an automatic reduction in the mortgage payment.

What to Do Now
Whether consumers are considering purchasing a new home or restructuring their finances, the first thing they should do is call a mortgage professional. There is a wide variety of options to consider, beyond those that have been presented here, and a mortgage professional will help them to determine which scenario best fits their needs.

If you would like to discuss how your clients can take advantage of the benefits of PMI, please call me! I would welcome the opportunity to speak with you.

October 9, 2011 Posted by | Mortgage, Real Estate, Uncategorized | , , , | Leave a comment

Delaying In Getting A Mortgage Could Cost You More

C21 Agents rock
logo

ATTENTION

 

HOME BUYERS

  IT COULD COST YOU MORE TO DELAY HOME BUYING
Mortgage Rates vs. Price Reduction

piggy bank

Everyone wants to get the best deal when buying a home. However, for buyers who are waiting to see if prices will come down a little more, the wait may cost them.

Here’s why:

Let’s say a homebuyer wants to buy a home that is listed for $300,000, and let’s say mortgage rates are at 5.25%.  But the buyer doesn’t want to pay $300,000, so he delays making an offer until the home is reduced by $10,000. 

Let’s now say that, while the buyer was waiting for the price to come down, mortgage rates rose by only .75%.  And let’s say he finances 90% of the $290,000 purchase price.  Instead of saving $10,000, he will end up paying over $35,000 MORE in total payments over a 30-year term than if he had paid $300,000 at a 5.25% interest rate.

Of course, this is just an example.  But the point is, mortgage rates are just as important as home prices… and right now they are BOTH incredibly low.  This is a rare situation, and one that is not likely to last, so if you are in a position to buy, the time is now. 

About the author:  Carey Hollander is a Retail Sales Manager at Guaranteed Home Mortgage Company Inc, a preferred lender of Century 21 V.J.F. Realty Inc.  Visit their website for more information or for a loan application.  Or, if you have any mortgage questions, call Carey directly at (914) 424-5962 for fast answers!

Carey Lance Hollander

Retail Sales Manager

GHMC

Cell:  (914) 424-5962

Office: (914) 696-3400 x301

Email: chollander@ghmc.com

Web: www.ghmc.com/chollander

September 23, 2011 Posted by | Buyers, Mortgage, Real Estate, Uncategorized | , , , | Leave a comment

Do’s & Don’ts During the Process of Your Home Loan

Here is an e-mail with information of Do’s and Don’ts During the Process of Your Home Loan

 

Dear Diana,

 

Do you want a hassle free loan process?  Here’s some Do’s and Don’ts to share with your homebuyers.

 

During the process of your loan request, we encourage you to follow these suggestions until all loan proceeds have been disbursed by the Lender.  The Loan is officially completed once all monies have been disbursed.  

 

MAKE SURE YOU DO…

Keep paying your bills on time including any mortgage, car, credit

cards, etc.

 

Inform us in advance of any employment or income change.

 

Keep copies of all paychecks/stubs and bank statements you receive.

 

Call us anytime if you are unclear or have a question about your loan.

 

 

MAKE SURE YOU DON’T…

Change your employment status without notifying us first.

Apply for new credit or access credit lines

Start significant home improvements on your home (if refinancing)

Co-Sign any loans until finished with this transaction.

Make large purchases such as real estate, cars, or furniture

 

 

The above information is provided for informational purposes only. Nothing contained herein should be construed as legal advice. Should you have any questions regarding your legal obligations during the loan process, please consult legal counsel.

 

Carey Lance Hollander, NMLS #74044

108 Corporate Park Dr., Ste 301, White Plains, NY 10604

914-696-3400 Office, 914.424.5962 Cell

Equal Housing Lender/Licensed Mortgage Banker, NMLS# 1615/NYS Banking Dept.

 

May 7, 2011 Posted by | Home, Mortgage | , , | Leave a comment

Make Your House FHA-Loan Friendly

Brought to you by the National Association of Realtors®

Make Your House FHA-Loan Friendly

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  • By: Terry Sheridan

    Published 2010-06-02 08:37:43

    Know the basics of FHA loan rules and you stand a better chance of selling your house or condo.

    Row house exteriorsMost buyers will expect a home inspection, including a form outlining what the inspection revealed. Image: Library of Congress/ Prints & Photographs Div./FSA-OWI/LC-USF35-629

    Make your house FHA-friendly, and it will appeal to more homebuyers. Why? Because the Federal Housing Administration is insuring the mortgage loans used by about 30% of today’s homebuyers.

    If your house passes the FHA rules, it will appeal to buyers who plan to use an FHA-insured mortgage. If your house doesn’t qualify for an FHA loan, you’re cutting out 30% of potential buyers.

    FHA is especially important to first-time homebuyers and those with small downpayments because it allows borrowers with good credit to make a downpayment as low as 3.5% of the purchase price.

    Here’s how to make your home appealing to FHA borrowers:

    Know the FHA loan limits in your area

    Start by checking to see if your home’s listed price falls within FHA lending limits for your area. FHA mortgage limits vary a lot. In San Francisco, FHA will insure a mortgage of up to $729,750 on a single-family home. In the White Mountains of New Hampshire, the loan limit is $271,050.

    Home inspections

    Most buyers will ask for a home inspection, whether or not they’re using an FHA loan to buy the home. You must give FHA buyers a form explaining what home inspections can reveal, and how inspections differ from appraisals.

    How much do you have to repair?

    If the home inspection reveals problems, FHA will not give the okay to buy the home until you repair serious defects like roof leaks, mold, structural damage, and pre-1978 interior or exterior paint that could contain lead.

    Dealing with FHA appraisers

    Help the lender’s appraiser by providing easy access to attics and crawl spaces, which usually must be photographed, says appraiser Frank Gregoire in St. Petersburg, Fla.

    Your buyer can hire his own appraiser to evaluate your home. But FHA only relies on reports by its approved appraisers. If the two appraisals conflict, the FHA appraisal preempts the buyer’s appraisal.

    Help with FHA closing costs

    Most FHA buyers need help with closing costs, says mortgage banker Susan Herman of First Equity Mortgage Bankers in Miami. So a prime way to make your house FHA-friendly is to help with those costs.

    FHA currently allows sellers to pay up to 6% of the sales price to help cover closing costs, but is considering lowering that limit to 3% in the fall of 2010. 

    If you’re selling a condo

    FHA also has to approve your condo before a buyer uses an FHA loan to purchase your unit. Be sure your condo is FHA-approved for mortgages. The list has been updated, so if your association was approved a year ago, check again to make sure it’s still on the approved list.

    FHA generally won’t insure loans in condo associations if more than 15% percent of the unit owners are late on association fees. Ask your property manager or board of directors for your association’s delinquency rate.

    Other rules cover insurances, cash reserves and how many units are owner-occupied and the types of condos that can be purchased with an FHA mortgage.

    FHA sometimes issues waivers for healthy condominiums that don’t meet the regular rules. If your condo isn’t FHA-approved, it doesn’t necessarily have to meet every single rule to gain approval. Ask your REALTOR® to consult with local lenders about getting an FHA waiver for your condo if it doesn’t meet all the requirements.

    FHA also limits its mortgage exposure in homeowners associations. With some limited exceptions, no more than 50% of the units in an association can be FHA-insured.

    FHA loans for planned-unit developments

    FHA no longer requires lenders to review budgets and legal documents for planned-unit developments.

    More from HouseLogic

    Show Your Support for FHA

    Other web resources

    Why Ask for an FHA Loan?

    Find a State Program to Help Homebuyers Afford Your Home

    Terry Sheridan is an award-winning freelance writer who has covered real estate for 20 years, and has owned and sold three homes.

    More From HouseLogic

    Visit HouseLogic

    Read more: http://buyandsell.houselogic.com/articles/make-your-house-fha-loan-friendly/#ixzz12BSuCP3Q

    October 14, 2010 Posted by | Buyers, Home, Real Estate | , , , , , | Leave a comment

    My Life as a Realtor – Day 190

    My Life as a Realtor ~

    Day 190:

    Wednesday!  Stopped by the office, then a trip to the bank and A&P in Brewster, NY.  I couldn’t believe how many seagulls there was in the parking lot…

     Then Ma and I grabbed some lunch and it was back home to get some work done before my meeting with Network for Free.  This evening, we had a Speed Networking event in Danbury, CT.  We grouped into two’s – had a few minutes to exchange business cards and discuss what we did.  I met a fellow Realtor, some Tech and Marketing people, an Antique Restorations person and many more!  During this time, we were taken aside and given a few minutes to shoot a video with Mike Evans  – Digital Video Productionsand discuss what we do and offer to the public. I can’t wait to see mine to see if what I asked for was done – take 10 pounds and 10 years off my appearance – LOL!

                   Leader of our group – Scott Blanchard – Loan Officer – Mortgage Force Newtown, CT 

    The event was held at PES – Plaza Executive Suites and what a wonderful evening it was!

    January 31, 2010 Posted by | My Life as a Realtor, Network for Free, Uncategorized | , , , , , , , , , | Leave a comment

    Top 10 Ways to Repair and Boost Your Credit

    Here is an article that I recently read on HGTV’s FrontDoor.com
        credit-card
    When it comes to repairing your credit, you’re the best person for the job. 

    Credit repair scam artists will charge you anywhere from $500 to $1,500 or more upfront, and promise you everything from a new Social Security card to perfect credit.

    But these companies can’t do anything for you that you can’t do for yourself — for free — and they might ultimately do more harm than good.

    What should you do if you have bad credit? Here are 10 tips that are designed to improve your credit history and raise your credit score:

    1. Pull a copy of your credit history from AnnualCreditReport.com. Sponsored by the three credit-reporting bureaus, Equifax, Experian and TransUnion, AnnualCreditReport.com is the only place you can go to get a truly free copy of your credit history. Each credit-reporting bureau is required to give you one copy once a year. You should pull copies from each of the bureaus, since they sometimes collect different data.

    2. While you’re there, buy a copy of your credit score from Equifax.com. Equifax offers a FICO score, also known as a Beacon score, which is from Fair Isaac, the company that created the concept of credit scoring. Most creditors will pull a FICO score, so you should see what they’re seeing. Your credit score will give you a snapshot of what your credit information means to your creditors. The FICO score runs from 350 to 850. The higher the number, the better. Your target should be to have a credit score of at least 720.

    3. Check your credit history thoroughly. You’re looking for errors, misinformation and negative information that might count against you. File a dispute with the three credit-reporting bureaus if you spot any errors. Some credit reports have serious errors in them, so fixing these will boost your score.

    4. Understand what kind of debt you’re facing. Make a list of everything you owe, the interest rate each debt carries, and the minimum payment due each month. Then, prioritize your debt: mortgage, real estate taxes, credit cards and medical bills should be paid in that order.

    5. Negotiate with your creditors for a lower interest rate. Paying less in interest means more of your payment each month goes toward paying down your balance. If you have a good credit score (over 720 is a starting point), you should be able to find other credit cards featuring zero percent to 5 percent in interest for the first year, or for the life of a balance transfer (check out sites like CardRatings.com and CardTrak.com to compare credit-card offers.) Just be sure you read the fine print: Some credit cards require you to charge on the new account each month or face a stiff fee.

    6. Pay down the debt with the highest interest rate first. Pay your mortgage and home equity loan and lines of credit in full each month. Then, make sure you have enough cash to make all of the minimum payments due on your debt each month. Then, throw any spare cash at the debt that carries the highest interest rate first. Once you’ve paid down that debt, transfer all of the extra cash you’re paying each month to the debt with the next-highest interest rate, and so on.

    7. Pay everything on time, even if you can make only the minimum payment. The most crucial component of your credit history and credit score is your ability to pay your bills on time each month. Paying on time shows your creditors that you take your debts and obligations seriously. Even one late payment can seriously damage your credit history and credit score, even though it can take a year’s worth of on-time payments to start to heal your credit history and raise your credit score. It doesn’t seem fair, but that’s how the credit industry works.

    8. Don’t charge more than 25 percent of your maximum available credit limit. If you carry a credit-card balance that is a higher percentage of your available credit limit, your credit score will go down. Why? Because creditors believe if you charge the maximum on your credit cards, it means you can’t properly manage your credit. You’re better off spreading out your debt between three or four different cards than having it all piled on one card.

    9. Don’t open and close a lot of accounts. Again, a credit score tells current and future creditors how likely it is that you won’t pay back your debts. It assesses how risky a borrower you are today. Every time you apply for a new credit card, that creditor pulls a copy of your credit history from the credit-reporting bureaus. That “inquiry” gets reported on your credit history. Too many inquiries in a short period of time signals that you may be getting low on your available credit and need more cash. Even though you might be interested in getting 10 percent off your first purchase for opening a new account, it looks different to a prospective creditor.

    10. Don’t share credit (except with a spouse). It’s easy to tell someone that you’ll “co-sign” a credit card, student loan or a mortgage loan application, especially if it’s someone you’ve known for a long time. But it’s also easy to wind up in a situation where that friend or relative stops paying his or her bills (for whatever reason) and your credit will take a big hit. Once you’re a co-signer for a loan, you’re legally obligated to make those payments — whether or not you can afford them. So think carefully before you agree to co-sign a loan, and nip the problem of bad credit before it begins.

    By Ilyce Glink | Published: 1/23/2008

    January 25, 2009 Posted by | Credit, Money, Uncategorized | , , , , , , , , , , , , , , , , , | 1 Comment

    A Road to Happy House Hunting!

    Now that the holidays are over – President Obamais officially in office – interest rates are still low and more homes are coming onto the market, while some that are currently on have been reduced – I wish all that are looking to purchaseA Road to Happy House Hunting!

    Please keep in mind that the road to finding your home may seem windy at times…

    twisted-road-mikael-miettinen                                                     mikael miettinen – Flickr.com

    and it may seem to go on forever… with no happy ending in sight…

    road-to-the-mountains-thejourney19721                                              thejourney1972 – Flickr.com

    But in the end, when you’ve found a home, and begin a new chapter in your life, I’m sure you’ll look back and realize it was all well worth it!  After all… roads lead to homes – right?

    planet-house-visulogik                                                           visulogik – Flickr.com

    Won’t You Be My Neighbor?

    January 22, 2009 Posted by | Buyers, First Time Home Buyers, Fun Post, Home, Uncategorized | , , , , , , , , , | Leave a comment

    Relaxing at Home

    dutch-colonial-ikkoskinen                                             ikkoskinen – Flickr.com

    As I sit here in my den by the fireplace, writing another post for my Blog – which is turning out to be one of my favorite daily routines! I can’t help but think about all the comforts of a HOME.  Being able to relax and enjoy homeownership is FABULOUS!

                                                          *clairity* – Flickr.comcome-by-the-fire-clairity-w-2-stars-beg-and-end

    During the winter especially, a HOME gives you warmth – and invites your family and friends during the Holidays. 

    dinning

    A HOME is where memories are made and never forgotten.  I still dream of my childhood HOME – over and over.  I have friends and family that say the same – many of their dreams are also of their HOME, where they lived when they were a child.

                                                              alicepopkorn – Flickr.comdream-alicepopkorn

    If taking steps toward HOMEOWNERSHIP is one of your NEW YEAR RESOLUTIONS – talking to a mortgage broker is an important first step!  I highly recommend Anthony Frascone  – cell: 203-648-6713.  He is licensed in New York and Connecticut and has similar family and work ethics as I do.  GOOD LUCK and HAPPY NEW YEAR!

    January 4, 2009 Posted by | Blogging, Buyers, Connecticut, Finance, Home, Mortgage, NY, Uncategorized, Winter | , , , , , , , , , , , , , , , , , , , | Leave a comment

    2009 Could be the Best Year for Home Buyers

    FrontDoor.com has a fantastic article about how 2009 could be the best year for home buyers!

    dollar1

    Some of the items mentioned is the home buyers tax credit, the increase of inventory of homes on the market and the decreasing interest rates.  It reads that interest rates are in the high 5’s and that there may be more reductions.  Well, there was a decrease in interest rates.  Just today, Carey Hollander with Patriot Home Funding said interest rates for a 30 fixed mortgage are in the LOW 5’s for someone with good credit.  For more info on Patriot Home Funding <CLICK>

    arrow

    To read the entire article “The Last Year for Best Buying Opportunities – Considering buying a home? Take advantage of low prices and interest rates in 2009.” <CLICK HERE>

    Happy House Hunting!

    house-2

    December 13, 2008 Posted by | Buyers, First Time Home Buyers, Home, Money, Mortgage, Real Estate, Realtor, Uncategorized | , , , , , , , , , | Leave a comment

    It’s a Great Time to Buy a Home!

    A very good friend of mine, Anthony Frascone with Wells Fargo Home Mortgage, has been keeping me informed on the housing news.

    I just received this e-mail from him…

     

    I hope this note finds you and your family well…

    As I am sure you have seen in the headlines, last weekend the Fed stepped in and took control of the government sponsored entities Fannie Mae and Freddie Mac. This has caused benefits and has restored confidence in mortgage back securities and collateralized debt obligations, which has had  positive impact on 30yr fixed mortgage rates.

    Other positive news is the strength of the US Dollar vs. other currencies. After years of a devaluation, the Dollar has reversed to a 12 month high, and combined with reduced demand for oil, we have seen barrel of oil prices drop from $147 to $100 (32% decrease), which has been a blessing for us consumers at the gas pump (people smile when you fill up at $3.61 a gallon, compare to $4.45 a gallon), and eases fears a bit as we approach home heating oil season as prices are easing a bit for the winter season.

    Rates have dropped about .625% to .75%, which means on a $300,000 mortgage, a monthly payment has dropped by $147 a month. Rates are now available in the 5.375% to 6% range.

    This can translate into ancost effective refinance to a lower rate, an opportunity for debt consolidation, switching an adjustable rate mortgage to secure fixed rate mortgage , and to purchase a home and have lower monthly costs.
     
    Combine this with home prices that have become more affordable, and you have a positive effect for a home buyer, lowering their debt to income qualifying ratios by 3%, giving them more and more buying power.
    There has been a lot of noise regarding the challenging economic news, and there is a way to go on the road to recovery, but there has also been some very positive changes, that everyone should realize. One key strength that all of us do have is the power to ask questions and get answers from all of our current service providers, whoever they are…Insurance specialists, heating oil, auto – home life policies, contractors and fuel providers, and local banks….we are a combined force that drives the local and National economy that also has a direct affect on the Global economy, so the people who we give are hard earned money to for goods and services should always provide us the best pricing available combined with great service on top of it
     
     For more information call Tony direct @ 203~648~6713
    I hope this news gives everyone a smile, as it did to me.  It’s a great time to buy, the clouds have parted and there’s a beautiful blue sky to view!
                                                                                      
     
     Thanks to GOOGLE for the “For Sale” Image
     
     

     

     

     

     

     

    September 12, 2008 Posted by | Buyers, Connecticut, NY, Uncategorized | , , , , , | Leave a comment

    Get Pre-Approved First – Then Go House Hunting!

    picture-1842

    Most buyers tend to start their house hunting on-line through sites like REALTOR.COM, TRULIAand many other sites.  Then, they may contact a Realtor, possibly the listing agent to an interesting home they’ve spotted on line.

    The next thing they know, they’re scheduling an appointment to view homes and one day, it happens…

    They find “the one” – their dream home,  their casa or castle.  They begin to picture themselves, their furniture and belongings in the home.  They may even start picking out paint colors and think of where to place the furniture – getting more and more wrapped up in becoming a homeowner.

    Then, they contact a mortgage broker – since their offer, after negotiating, was accepted – Yeah! Or maybe not.  What if that house’s monthly payment isn’t affordable – what if their credit scores have changed – what if they need a bigger down payment?  These are all questions that could sometimes be answered with a simple phone call.

    With all the changes in the Mortgage Industry, contacting a mortgage broker or lender is crucial.  It will save you much dissappointment and give you peace of mind while shopping for your first or next home.

    picture-233

     

    Call me for a list of fantastic people to assist you in any and all questions that you may have.  For now, check out DML Mortgage’s Link.  Paula Ventura or David Litchman are great!

    April 17, 2008 Posted by | Buyers, Mortgage | , , , , , , , | Leave a comment