ATLANTA (PRWEB) February 23, 2012
A team of employees from Foundation Financial Group?s Atlanta regional center, located at 100 Galleria Pkwy Suite 1400, participated in ?More Than a Pretty Face,? benefiting Pretty Perfect. Foundation Financial Group employees volunteered their time and made a monetary donation to the Pretty Perfect cause.
?Bullying and ridicule of teenage girls because of how they look is a growing social issue that negatively impacts the lives of girls across the country,? said Crystal Glenn, a unit sales manager at Foundation Financial Group?s Atlanta center. ?Forward-thinking organizations like Pretty Perfect are bringing this to light while making a difference in the lives of teenage girls.?
About Pretty Perfect
Pretty Perfect is a non-profit organization founded by women in the entertainment and modeling industry. Pretty Perfect creates community-based programs that will help mentor and build confidence for overweight teenage girls ranging from 13 to 17 years old. Its mission is to teach girls to think positively so they can look forward to their futures and make wiser decisions based on their self-worth.
About Foundation Financial Group
Foundation Financial Group, one of the nation?s fastest-growing financial services companies, specializes in mortgage lending, property and casualty insurance, life insurance, retirement services, personal taxes and corporate tax services. Foundation Financial Group operates seven regional centers in Atlanta; Charlotte, N.C.; Dallas; Jacksonville, Fla.; Raleigh, N.C.; Rochester, N.Y.; and Savannah, Ga., as well as a branch network of retail storefronts in Dayton, Ohio; Indianapolis; Kansas City, Mo.; Toledo, Ohio; and St. Paul, Minn. Foundation Financial Group offers mortgage refinancing and first-time buyer lending through traditional financing, as well as Federal Housing Administration and other government-backed home loan programs. Foundation Financial Group enjoys an A+ rating from the Better Business Bureau, the highest accreditation the BBB gives and an industry-leading Federal Housing Administration compare ratio. For more information, call 866-334-1001.
For additional information, interview and image requests, contact The AXIA Public Relations Firm at 866-999-2942, ext. 700.
All About Mortgages: Insider Tips to Finance or Refinance Your Home in Today’s Economy
Due to new hybrid loans abounding and interest rates increasing from bargain basement levels, millions of consumers who are either seeking a new mortgage or are interested in refinancing their existing mortgages are clamoring for an updated easy-to-follow guide to take them through the complex world of mortgages. In All About Mortgages, 4th Edition, author Julie Garton-Good, the sole three-time recipient of the prestigious international “Real Estate Educator of the Year” award from the Real Estate Educators’ Association, provides a road map for consumers through the harrowing twists and turns of obtaining a home mortgage. Garton-Good will help consumers select the right mortgage for their needs, giving them the keys to save thousands of dollars. Approximately 25% of this new edition is updated, including new information on hybrid loans, foreclosure alternatives, and more. Now more than ever, it’s essential for consumers to be well informed about their mortgage options.
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So You Want to Refinance: An Insiders Guide to Refinancing Adjustable Rate Mortgages and Home Loans“A must-have for any home owner looking to refinance” –Terri Williams, HomeownerAre you paying more than you need to? In thi…
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Jumbo Loans Today
Article by Christopher Mullen
Jumbo Mortgage Loans in 2011: An Update
The state of jumbo lending is incredibly confusing for today’s consumers. In the recent past, jumbo loans were considered any loan in excess of $ 417,000. Easy! That was the largest loan size that Fannie Mae and Freddie Mac would guarantee. This Fannie and Freddie guarantee makes the mortgage very desirable to investors and profitable for lenders. Since 2009, a new hybrid loan has emerged. It is called a high-balance loan. What is a high-balance loan? The Obama Administration as part of the Economic Stimulus Act of 2008 allowed Fannie and Freddie to guarantee loans in excess of $ 417,000 in some of the higher priced areas of the country, for example, California, Hawaii, New York and Massachusetts. The rates on a high-balance loan are generally only .25% higher than those on a regular conforming loan. That is much better than rates for a fixed rate jumbo loan which are almost a full 1% or more above those of a fixed rate conforming loan. So, for example, if you live in Boston (Suffolk County) Massachusetts, a loan up to $ 417,000 would be considered a conforming loan. From $ 417,001 to $ 523,750 would be considered a high-balance loan, and $ 523,751 or more would be considered a jumbo loan.
For a borrower looking to purchase or refinance a home, it is critical to understand what the parameters are. The categorization of a loan as a conforming, high-balance or jumbo loan will affect not only the interest rate, but whether or not the borrower will qualify at all. Jumbo loans are typically more difficult to qualify for, having lower loan to value and debt to income requirements. This distinction is especially critical for home buyers. A homebuyer may be able to qualify under Fannie or Freddie conforming or high-balance loan guidelines in a county where the county lending limit is high, but will not be able qualify in a county with a lower loan limit when the loan amount causes the loan to be underwritten as a jumbo loan. To make this all the more confusing, this is a temporary increase in lending limits. The increased limits are set to expire on September 30, 2011. At that time, more homeowners and buyers will need to qualify under jumbo loan guidelines. If you are on the cusp of high-balance versus jumbo territory, it makes sense to look at your mortgage setting sooner rather than later.
If you need a jumbo loan, what is the best way to go about getting one? Do a little bit of research. Since jumbo loans are not guaranteed by Fannie and Freddie, they are seen as a more risky loan for the lender. The lender is on the hook for the entire amount of the loan loss if there is a default. To offset this risk, rates on fixed jumbo loans are higher than conforming loans. The qualifying guidelines on jumbos are usually more restrictive. The number of national lenders who are still writing these jumbo loans has decreased dramatically. Only a handfull of national players are still doing jumbo lending – Wells Fargo, Citi and Chase – and the products they offer are similar and vanilla. They usually want 20-25% as a down payment, or in the case of a refinance, a 20-25% equity position. An additional layer of difficulty exists for super jumbo loans – those in excess of $ 1,000,000. A great option for many jumbo borrowers are smaller niche and local lenders. Since the local lenders are invested in the community, they will often offer more flexibility for consumers as they “portfolio” their loans. That just means they underwrite the loans and retain the servicing on the loan. Some niche jumbo lenders are able to offer purchase programs for as little as 10% down, have longer term 10/1 ARMS, a little higher debt to income limits, larger loan lending abilities, or may be more willing to do combo loans with a first and second mortgage. Putting in some additional legwork can benefit the borrower in the long run.
Christopher J. Mullen is a loan officer with Mortgage Master, Inc. in Massachusetts and specializes in jumbo and super jumbo loans up to $ 10,000,000 in New England. He has lending abilities with both national and local lenders.
http://www.jumboloanstoday.com
Chris is a well known and respected mortgage professional who utilizes his extensive financial lending background to meet the goals of every mortgage consumer.
Chris’s expertise is in mortgage products and the creation of strategies that maximize his client
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Newsweek Magazine (February 16, 2009) … Lenders Add Bigger Fannie, Freddie Fee – Thanks to Payroll Tax Cut (January 15, 2012) …
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The increase in the mortgage fee is to pay for the roughly billion package the Senate approved last month to extend a 2 percentage point payroll tax cut for another two months. About 160 million people benefit from that tax
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Lenders Add Bigger Fannie, Freddie Fee – Thanks to Payroll Tax Cut
01.15.2012 by Staff
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Lenders are already adding an increase in fees on mortgages backed by Fannie Mae, Freddie Mac and the Federal Housing Administration to new loans – a hike that will pay for the extension of the payroll tax cut.
The fee increase of 0.1 of a percentage point is to be added to all loans that Fannie and Freddie buy from April 1 to Oct. 1, 2021.
But lenders are already adding the increased fee to loan price structuring since it can take months to close a loan and deliver it to the two mortgage-financing companies taken over by the U.S. government three years ago.
The increase in the mortgage fee is to pay for the roughly billion package the Senate approved last month to extend a 2 percentage point payroll tax cut for another two months. About 160 million people benefit from that tax cut.
But the mortgage fee increase is good for the life of new mortgages and refinancing – about 90 percent of U.S. mortgages are financed or backed by the government-sponsored companies. Existing mortgages are not affected.
“Think of it as a back-door tax increase,” writes Peter G. Miller, a syndicated real estate writer and operator of OurBroker.com. “While the public was watching the payroll debate in Washington, Congress was actually increasing the cost to finance or refinance a home.”
The Fannie/Freddie fee would rise about 0.1 percent to an average of 0.3 percentage point. It would amount to about a month more on a 0,000 mortgage – that’s 0 a year.
Congress has also directed the FHA to increase its annual mortgage insurance premium by .10 percent – from 1.15 percent to 1.25 percent for most borrowers.
Homeowners would have the fee increases worked into their mortgage.
The mortgage providers would then send that additional revenue to the U.S. Treasury, which already extends an open credit line to Fannie and Freddie to cover quarterly losses. That bailout tab is expected to reach 0 billion this year.
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Mortgage Rates Questions and Answers
Any recommendations as which bank can dispense a good interest rate for 30 yr fixed. — with 25% down — beside 790+ fico score Building society will offer you a better operation than the banks, go and se them….
,my father in law have 2 stop working 4 a while when he hurt his thumb badly. now its better and he’s trying 2 procure a job but the only ones he can bring are volentary work. now him and my mother…
- I am a first time home buyer . – excellent fico score ( 820+) – 20-25% down payment – home price is around 0K – loan amount is around 5K Any bank you could suggest who could give me lower interest rates…
Below 5.725% Yes linger until the end of the year. They will go down. I thank with greenspan gone It will take a virtuous year or so. Probably not. If you look at interest rate for the past…
I just read an article and it said rates are a little high than they were over the summer. Since the new housing numbers newly came out, I bet we’ll see rates drop again soon. New home mortgages and refi’s are at…
My wife and I have a signed contract to purchase for a home. When we got our pre-approval, our rate be quoted as 4.875% but rates have shot up since then and immediately it would be around…
We donate to cater to People looking to Refinance at amazingly agreeably rates. I n case you are looking for the best deal allow us to assist you. Thanks & Regards Mortgage Specialists Absolutely. If you act in a minute….
Is this a bait and hook? I work for Quicken Loans and I can assure you that the rates in our advertisements are not “bait and hook.” In certainty, we never offer rates that are ridiculously low (known as…
I am able to lock in rate today and not sure if I should keep on. The rate today is 5 %. Anyone no if they are likely to go down? do it presently, if it goes lower in the adjectives you can always do…
Want to refinance 1st mortgage which is currently at 6.65 % and 2nd mortgage is at 8.88%. rates will be cut a quarter point next fed talk Don’t ask me. Some years ago I said we’d never see single…
I understand rate will be high but beside no tradeline I’m still hoping for a decent rate Contact a broker who has experience beside Fannie Mae’s My Community and Expanded Approval loan programs. There are way…
I was looking to buy my interest rate down on my mortgage with discount points. I hold one loan officer who is offering 5.5% with a 1.5% discount point, while another loan officer is giving me 5.5% with a .75% discount. To me it seem like…
Not a chance ! The UK interest rates are set to rise to combat the strength of the pound against foriegn market, it’s fast becoming a non-tradeable currency and what with the Nortern Rock fiasco looks to enjoy an…
Im trying to get a loan to purchase a home and called Bank of America for a pre-qualification notification but eventhough they pre-qualified me for my loan amount, they did so at horrible rates and other costs. First off, the conforming…
Im trying to get a loan to purchase a home and called Bank of America for a pre-qualification dispatch but eventhough they pre-qualified me for my loan amount, they did so at horrible rates and other costs. First off, the conforming…
Colorado Resident. Thanks! Right now the rate on a 15 year mortgage is about 4.8% and on a 30 year 5.30% according to Bloomberg. not right immediately. about 2 months ago i was getting clients 4.5 w/ wall of america….
for a couple with a 750 fico score? within is no such thing as average… it will depend on: -your credit score -your debt to income ratio -your income & years on the duty -any liens etc. work with your…
After the news this morning about the rate cut. I be in the “middle” of a refinance at 5.75%, but I haven’t signed any paperwork yet. Of course, the ridge (countrywide) is telling me that’s still the lowest rate. I find it hard…
You can shop rates oline at each of the major mortgage companies, CountryWide, Wells Fargo, Bank of America and Washington Mutual. Usually the rates don’t differ too much from the competition. Yes the best mortgage provider is…
I am buying a home and the rate right now for my loan is 6% (Wells fargo Home opportunities loan 100% financing). Conventional is 5.875 and explicitly down from last month so I am wondering if I should just lock within my rate or if…
Is now the right time to get a fixed rate mortgage or should I hang around? i.e will the offers get better or worse, yes I know u hold not got a crystal ball but what does your gut share you? A lot of…
Is now the right time to get a fixed rate mortgage or should I hang around? i.e will the offers get better or worse, yes I know u own not got a crystal ball but what does your gut make clear to you? My gut…
If we were to set up an intra family loan (lets voice 9 yrs – mid term) at today’s rates would we have to adjust the rate every month as IRS publishes new guidelines or is it set for the entire time? Also, if its mortgage – can…
Can I get out of this and then take the lower rate? Supposedly with my application I signed something that locked me in at that rate. I cant see how…
They are redeemable to a point. There is a break even rate (PAR) that the lender ‘borrows’ at. If they lend at the same rate, the bank have not made ANY money on the loan. So, depending on how important…
we’re trying to figure out the best way to jump. we already got approved for FHA but we dont know if we got the best rate. different companies present different rates and costs. GL…
It depends on the lingo of the mortgage. If you get a mortgage when the rates a relatively high, and can see that rates are going to stay matching or decrease in years to come, in that may be a benefit to an ARM. No…
It seems that the people that purchased their homes beside Adjustable Rate Mortgages got into big trouble when their rates adjusted at a high rate. Did they not see this coming since they did opt for a Adjustable Rate Mortgages vs a Fixed Rate…
They’re doing stuff for their bad customers..anyone doing anything for their good customers? “> Check next to your lender. Some banks do offer it, and will notify you surrounded by the mail, if you have…
Yes. If we tell you, it will no longer be a not to be mentioned though <just kidding> Actually, there are several things that contribute to getting the best available interest on a mortgage. First, hold really…
More Mortgage Rates questions please visit : QEOK.com
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US Home Loan Applications Rise amid Declining Interest Rates
As interest rates continue to decline, more and more homeowners find it the best time to apply for mortgage. The Mortgage Bankers Association’s index of mortgage applications rose 5.8% in the week ending November 5 compared to the index in the preceding week. It was the third time the activity rose in eight weeks. Such index includes loans for home purchase and mortgage refinance.
The increase could be attributed to several improvements in the national economy’s growth prospects, including higher employment figures in October and lower interest rates, which got closer to record lows. Average borrowing costs in the first week of November for 30-year fixed-rate home loans was at 4.28%, unchanged from the preceding week. It was below the 4.9% average level in the same period last year. The lowest level of the borrowing rate was recorded in the week ending October 8, when it fell to 4.21%.
The industry group’s index of refinancing applications rose 6% in the same week, while the purchase index climbed 5.5%.
The purchase index is seen by many observers as a tentative indicator of potential home sales. Some analysts assert that demand for home loans has even been constrained although many mortgage borrowers have the incentive to refinance. This is because lenders have extremely tightened their standards when approving refinance applications. Thus, many homeowners were logically prevented to take advantage of decreasing interest rates.
Many homeowners also fell to underwater mortgages. Their actual loans currently are valued more than the actual valuations of their homes. This is logically preventing them from even considering taking a refinance.
Other analysts emphasize that there are indications that consumers are still in a mode to de-leverage. That means most of them prefer to repay their debt obligations first than to purchase a new home. Thus, home purchase borrowing demand remains muted. Industry experts assert that without such factors, demand for home loan applications and mortgage refinance facilities could have increased more significantly than it actually did.
MBA added that fixed rates for 15-year home loans averaged at 3.64% in the same week, almost unchanged from the preceding week. It reached 3.62%, a record low, four weeks before. Meanwhile, average rate for single-year adjustable rate mortgage fell to 7.08% in the week from 7.18% in the last week of October.
For more updated figures about many other related subjects, check out ForeclosureDatabank.com.
For more information of foreclosed homes for sale, visit foreclosuredatabank.com, your source of foreclosure consequences
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Question by LaraLara: Jumbo Loan….?
I have read some of the postings about Jumbo Loans. What credit score and income is needed for a couple with 5% down and looking to buy a 620K home in California RIGHT NOW? We have a great opportunity to do so. I have heard that your age, race and location (CA vs. NV for example), makes a difference. Have the big companies shut out Jumbos indefinitely or just for a few months? Any experts out there that can answer and/or help?
Best answer:
Answer by Landlord
You need a standard downpayment, 5% doesn’t cut it.
Age race and location mean nothing and are not part of the equation.
If you have no other debts you can do OK on about 180k a year income if you have decent credit.
Know better? Leave your own answer in the comments!
Mortgage Loan Tips.
Why Some People Almost Always Get The Lowest Interest Rate On Their Mortgage – For The Least Points – And No Junk Fees!
Mortgage Loan Tips.
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