Friday, July 25, 2008
Great News for FHA Home Buyers!
Starting on July 14th, 2008, mortgage insurance premiums will be based on a new risk-based pricing structure.1. Up front mortgage insurance will range from 1.00% to 2.25%. Until now the lowest cost has been 1.50%. This amount is added to the loan amount.2. Annual premiums will range from 0.00% to 0.55%. Until now the lowest had been 0.50%.3. The borrower's mortgage insurance factor will be based on the loan amortization period, loan to value and credit score. Approximately half of the borrowers will receive improved pricing. The better the credit score and/or the larger the down payment, the borrower's mortgage insurance will be less, saving the borrower money and reducing the monthly payment as well. Please note: Keven will process, underwrite, draw documents and fund FHA loans for you. It's your one stop lending source. Most competitors send their FHA loans to another city or even another state causing delays and lack of control. Keven's first FHA loan closed in 1975 and he received his underwriting approval from HUD in 1986. He has the experience to help you with your FHA financing needs. So for more information on contacting Kever and taking advantage of his years of honest experience, send me Deborah Shane an email or call me at: 949-218-2018 Email: CaCoastalProperties@gmail.com
July 1st was the Legal Day of the Merger
July 1st was the Legal Day of the Bank of America and Countrywide merger.Countywide is now a wholly owned subsidiary of Back of America. All efforts have begun to proceed with the integration of the two organizations.There will be minimal operational changes in the beginning for either the customer or the employees of either firm. While changes will occur as the transition progresses, these changes ill come in steps over a period of time. To begin with, the name of Countrywide will remain for a period of approximately 6 months on buildings, stationary and business cards. Ultimately, the name will become a Bank of America Mortgage. Bank of America has stated publicly they were aquiring Countrywide because of their mortgage expertise and superior technological platform. It is Bank of America's desire to move their mortage division into Countywide's platform and continue with the growth plan. It is expected 1 in 4 of all home loans in the country will be serviced by the newly formed organization. The management team running the new organazation will be primarily Countrywide's existing management team currently in place.Ad for me individually, my 33 years experience in this business tells me to make the best of the changes especially in a turbulent market which brought on these changes in teh first place. I consider this another chapter in the book of life. As this is my 3rd housing correction I have endured it is my intention to be here to benefit from the good times when they return. Thank you for your continued support. Send me Deborah Shane an email or call me at: 949-218-2018 Email: CaCoastalProperties@gmail.com or check out San Diego I will answer all your questions and if you like, I will send you Orange Count Home Listings.
The Best of Both Worlds-Income from the Comfort of Home
by Kristine Miller
Mom's can and are making money from home with the Internet and their home computers. Every day women leave the corporate world to stay at home with family and still maintainthat income. They are not sacrificing wages either. Many are making more money thanthey ever before. It can be done!Ternet has revolutionized almost every aspect of human interaction, and the influence is perhaps most greatly felt in the way that we do business. Limitations of geography have been largely removed from the commercial equation, and it is now possible to do business with someone on the other side of the planet as though they were sitting right next to you. This mobile office concept has been incredibly liberating to those who choose to raise their children full time but need to earn some extra income as well. Many stay at home mothers have been pleasantly surprised to learn that there are multiple ways that they can make money while working from home, even if they have been out of the workforce for several years. Perhaps the easiest way to break into the home based business world is to consider freelancing. If you happen to be a skilled writer, web designer, graphic artist, or have other creative skills, then you can apply those skills right away as a home based freelance professional. Many companies and individuals are always looking for skilled freelancers to assist with web pages, news releases, logo design, and many other project types. The most important thing to consider when beginning your career as a work at home freelancer is how best to promote yourself and your services. Gather old copies of work that you have done and organize it into a portfolio. If your skills are a bit rusty, then you can brush up on the techniques of your trade by creating sample works that can also go into your portfolio. Once your portfolio has been established, it is time to start looking for clients. The cheapest method is to search for message forums that are dedicated to your field. These message forums often have special areas set aside that will allow you to advertise your services for free. The most effective way to promote your services on the internet is to look into contextual advertising. Many companies, including the internet heavyweights Yahoo! and Google, offer services that place small text ads on search engine results pages that display your ad whenever someone searches for a keyword that relates to your business. This means that your ad is targeted only to customers that are searching for the service that you offer. The great thing about directed contextual advertising is that you are only charged when a customer clicks on your link. If your skills lie in areas that are not immediately amenable to home based freelancing, it is still possible to use the power of the internet to make money while staying at home. Many companies are looking for home based clerical workers to assist in fields such as accounting, data entry, billing, medical transcription, sales, and other areas that require little or no previous experience. The best way to find work from home jobs of this type is to visit the many internet jobs portals such as Monster.com and CareerBuilder.net and search for work at home opportunities. You will be surprised at the number of income generating opportunities that are available through these and other internet job portals. Regardless of your skill level and experience, there are many great work-at-home opportunities available that will allow you to earn a good income working from the comfort of home. Work-at-home opportunities are great for stay at home moms, women looking to return to the workforce after years of raising their children, as well as others who just want to avoid the frustration of a commute. If you are curious about the Real Estate Market, or would like to consider buying or selling an Orange County Home, send me Deborah Shane an email or call me at: 949-218-2018 Email: CaCoastalProperties@gmail.com
Mom's can and are making money from home with the Internet and their home computers. Every day women leave the corporate world to stay at home with family and still maintainthat income. They are not sacrificing wages either. Many are making more money thanthey ever before. It can be done!Ternet has revolutionized almost every aspect of human interaction, and the influence is perhaps most greatly felt in the way that we do business. Limitations of geography have been largely removed from the commercial equation, and it is now possible to do business with someone on the other side of the planet as though they were sitting right next to you. This mobile office concept has been incredibly liberating to those who choose to raise their children full time but need to earn some extra income as well. Many stay at home mothers have been pleasantly surprised to learn that there are multiple ways that they can make money while working from home, even if they have been out of the workforce for several years. Perhaps the easiest way to break into the home based business world is to consider freelancing. If you happen to be a skilled writer, web designer, graphic artist, or have other creative skills, then you can apply those skills right away as a home based freelance professional. Many companies and individuals are always looking for skilled freelancers to assist with web pages, news releases, logo design, and many other project types. The most important thing to consider when beginning your career as a work at home freelancer is how best to promote yourself and your services. Gather old copies of work that you have done and organize it into a portfolio. If your skills are a bit rusty, then you can brush up on the techniques of your trade by creating sample works that can also go into your portfolio. Once your portfolio has been established, it is time to start looking for clients. The cheapest method is to search for message forums that are dedicated to your field. These message forums often have special areas set aside that will allow you to advertise your services for free. The most effective way to promote your services on the internet is to look into contextual advertising. Many companies, including the internet heavyweights Yahoo! and Google, offer services that place small text ads on search engine results pages that display your ad whenever someone searches for a keyword that relates to your business. This means that your ad is targeted only to customers that are searching for the service that you offer. The great thing about directed contextual advertising is that you are only charged when a customer clicks on your link. If your skills lie in areas that are not immediately amenable to home based freelancing, it is still possible to use the power of the internet to make money while staying at home. Many companies are looking for home based clerical workers to assist in fields such as accounting, data entry, billing, medical transcription, sales, and other areas that require little or no previous experience. The best way to find work from home jobs of this type is to visit the many internet jobs portals such as Monster.com and CareerBuilder.net and search for work at home opportunities. You will be surprised at the number of income generating opportunities that are available through these and other internet job portals. Regardless of your skill level and experience, there are many great work-at-home opportunities available that will allow you to earn a good income working from the comfort of home. Work-at-home opportunities are great for stay at home moms, women looking to return to the workforce after years of raising their children, as well as others who just want to avoid the frustration of a commute. If you are curious about the Real Estate Market, or would like to consider buying or selling an Orange County Home, send me Deborah Shane an email or call me at: 949-218-2018 Email: CaCoastalProperties@gmail.com
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