Watch your savings add up quickly!
Even if you’ve experienced a property value decline as a result of the economic downturn and mortgage crisis, you may be able to refinance your home loan into a very low fixed rate mortgage!
The Mortgage Refinance Affordability Plan recently implemented by President Obama offers many homeowners the chance to refinance their current mortgages. Many homeowners who have seen their property values drop the past several years can see real help with this plan.
And we at InSight Mortgage Group can answer your questions and see if you qualify for this or other refinancing programs. If you have a current 80/20, 80/15/5 or 80/10 loan, where you did a 1st/2nd combo in order to avoid PMI, we may be able to get you into a 105% LTV first mortgage.
Save thousands of dollars over the life of your loan by locking into a low interest fixed rate loan. Maybe a refinance could save your home from foreclosure.
Whatever your personal home loan needs may be, take advantage now and see your savings add up. Call Dick or Michele at InSight Mortgage Group, 913-642-3334. Email us at dickw@wantinsight.com or michele@wantinsight.com or start your application online at wantinsight.com.
Showing posts with label save money. Show all posts
Showing posts with label save money. Show all posts
Tuesday, May 12, 2009
Tuesday, March 3, 2009
YOUR PERSONAL ECONOMY
I believe we need to downplay the media attitude of Chicken Little’s “the sky is falling”. All that happens is that we get emotional and become too stressed, affecting our relationships and daily activities. (Poor moods,depression,apathy)
This isn’t an ostrich move – putting your head in the sand and pretending the world away! It’s just the opposite. We must look to ourselves and focus on our own personal economy. We need to become financially responsible, so that we can accumulate enough wealth to care for loved ones, live comfortably into old age, and give generously to others.
Many financial advisors recommend having an emergency fund (no, not for the big screen TV you want) and paying down debt. Dave Ramsey suggests starting with a $1,000 emergency fund. Then begin focusing on paying off debt – the credit card or loan with the smallest balance first. Paying these off first gives you a sense of accomplishment and free’s up money to use to pay off the next debt on the list. The quicker the success, the more likely you’ll stay with the plan. After paying off a few of the bills, add to your emergency fund. Plan on having a buffer of 5-6 months of income. This fund is not an investment, it is insurance you pay to yourself!
When you have a plan, live on less than you make, and save money – you’re not in trouble. If you have no credit card debt and the card companies raise interest rates to 30%, you won't have the fears you may be experiencing now!
Given the current economic climate, it’s incredibly important to make sure you protect your largest asset – your ability to earn an income. Could you get by on half a paycheck? (www.halfapaycheck.com) One of my trusted associates, Deb Clem-Buckert, can give you some insights into recession proofing yourself. She is with HighPointe Financial Group LLC and can be reached at 913-234-0397 or dclem-buckert@finsvcs.com
Anytime you have questions, or comments on our blog, we're happy to hear from you. Email me at michele@wantinsight.com or call me at 913-642-3334. Have a blessed day.
This isn’t an ostrich move – putting your head in the sand and pretending the world away! It’s just the opposite. We must look to ourselves and focus on our own personal economy. We need to become financially responsible, so that we can accumulate enough wealth to care for loved ones, live comfortably into old age, and give generously to others.
Many financial advisors recommend having an emergency fund (no, not for the big screen TV you want) and paying down debt. Dave Ramsey suggests starting with a $1,000 emergency fund. Then begin focusing on paying off debt – the credit card or loan with the smallest balance first. Paying these off first gives you a sense of accomplishment and free’s up money to use to pay off the next debt on the list. The quicker the success, the more likely you’ll stay with the plan. After paying off a few of the bills, add to your emergency fund. Plan on having a buffer of 5-6 months of income. This fund is not an investment, it is insurance you pay to yourself!
When you have a plan, live on less than you make, and save money – you’re not in trouble. If you have no credit card debt and the card companies raise interest rates to 30%, you won't have the fears you may be experiencing now!
Given the current economic climate, it’s incredibly important to make sure you protect your largest asset – your ability to earn an income. Could you get by on half a paycheck? (www.halfapaycheck.com) One of my trusted associates, Deb Clem-Buckert, can give you some insights into recession proofing yourself. She is with HighPointe Financial Group LLC and can be reached at 913-234-0397 or dclem-buckert@finsvcs.com
Anytime you have questions, or comments on our blog, we're happy to hear from you. Email me at michele@wantinsight.com or call me at 913-642-3334. Have a blessed day.
Monday, August 25, 2008
Save Your Home From Foreclosure and Save Your Credit
ARE YOU UP AT NIGHT?
Worrying because your adjustable rate mortgage is going to reset and you can't afford the new payment? Maybe you owe more than your house is worth? Or you're unable to get a new loan because your credit is less than perfect? Maybe you're 30, 60, or even 90 days late on your mortgage. Perhaps NOD or foreclosure proceedings have already begun!
Stop collection calls! Stop your foreclosure! Stop Stressing! Let us handle your lenders and their attorneys for you.
I’ve tried refinancing, but everyone says that they can’t help?
If you’re in a position with less than perfect credit or if you now owe more in loans than your home is worth, there are several solutions that can still benefit you. Recently the government has passed several laws making it easier for someone with good intentions to keep their home and keep their low monthly payments. Is your mortgage adjusting or going to adjust? We are now feeling the recourse of all the adjustable mortgages that were started in 2004 and 2005. Many people are losing their homes now that they are no longer able to afford the initial “teaser” rate. How can you be expected to pay an additional $500-$1000 per month on your mortgage? We can help you by setting up a new plan with your lender, and keeping your payments where you are able to continue living comfortably.
Stop Foreclosure with Loss Mitigation Programs
Loss mitigation programs were established by the federal government and the mortgage industry in order to stop home foreclosures. They help foreclosure victims in default on their mortgages to find alternatives to home foreclosure. Every homeowner’s situation is unique and each lender has their own policies regarding the use of these programs to stop foreclosure. Our extensive experience and solid working relationships with mortgage lenders allows us help you avoid the common pitfalls that many homeowners encounter while trying to work things out directly with their lender. After performing a thorough assessment of your personal finances and analyzing your lender’s loss mitigation policies our professional loss mitigators will negotiate with your lender to get you the best possible solution to your home foreclosure problem. We can help you save your home and credit history through a variety of loss mitigation options:
Time is your enemy!
The longer you wait, the harder it is for us to help you. Yes, we often do pull clients out of the fire at the last minute but consider this... If your house payments are more than a month behind, your lender has probably already started foreclosure proceedings against you. As time passes, thousands of dollars in penalties and legal fees can be added to the balance you owe. And every single day the interest charges are growing.
Sometimes homeowners are not even aware how far their foreclosure has progressed. We talk to people almost every day who did not even know their house had already been sold at auction. Please don't let that tragedy happen to you! If you would like to stop foreclosure, protect your assets and credit history 913-642-3334 or visit us at http://www.wantinsight.com/ to talk with a consultant. You’d be glad you did!
If you are looking for a realistic long term solution to your financial problems? For a FREE no obligation consultation on how we can help you stop foreclosure, save your home and preserve your credit history.
“Helping our Community Save Their Home”
Customize Approach
Too many banks use a “one size fits all” approach with homeowners in foreclosure. Your situation is unique. You deserve to get a fair and personalized settlement from your lender. We stop foreclosure by taking the time to listen to your concerns, assess your financial needs and then negotiate a mortgage workout that YOU can live with.
Professionalism We get your bank to pay attention to your needs because they know and trust us. We have been stopping foreclosures for many years. During that time we have successfully rescued a multitude of families from the devastation of foreclosure. Our chief mitigator has over 15 years' experience in Real Estate. That kind of experience and track record in the industry gives us credibility with your lender. Our integrity and professionalism help us to be heard when no one else can get through the red tape.
Established Contacts Our staff of full time mitigators works with the key negotiators and decision makers at lending institutions across the country on a daily basis. They speak the language and understand what it takes to break through the bureaucracy to get your case heard.
We will use our experience and relationships to your advantage. Please don’t delay. Act today while hope remains.
Michele “MAC” A. Cole
http://www.wantinsight.com/ Information provided by Emodications...
Worrying because your adjustable rate mortgage is going to reset and you can't afford the new payment? Maybe you owe more than your house is worth? Or you're unable to get a new loan because your credit is less than perfect? Maybe you're 30, 60, or even 90 days late on your mortgage. Perhaps NOD or foreclosure proceedings have already begun!
Stop collection calls! Stop your foreclosure! Stop Stressing! Let us handle your lenders and their attorneys for you.
I’ve tried refinancing, but everyone says that they can’t help?
If you’re in a position with less than perfect credit or if you now owe more in loans than your home is worth, there are several solutions that can still benefit you. Recently the government has passed several laws making it easier for someone with good intentions to keep their home and keep their low monthly payments. Is your mortgage adjusting or going to adjust? We are now feeling the recourse of all the adjustable mortgages that were started in 2004 and 2005. Many people are losing their homes now that they are no longer able to afford the initial “teaser” rate. How can you be expected to pay an additional $500-$1000 per month on your mortgage? We can help you by setting up a new plan with your lender, and keeping your payments where you are able to continue living comfortably.
Stop Foreclosure with Loss Mitigation Programs
Loss mitigation programs were established by the federal government and the mortgage industry in order to stop home foreclosures. They help foreclosure victims in default on their mortgages to find alternatives to home foreclosure. Every homeowner’s situation is unique and each lender has their own policies regarding the use of these programs to stop foreclosure. Our extensive experience and solid working relationships with mortgage lenders allows us help you avoid the common pitfalls that many homeowners encounter while trying to work things out directly with their lender. After performing a thorough assessment of your personal finances and analyzing your lender’s loss mitigation policies our professional loss mitigators will negotiate with your lender to get you the best possible solution to your home foreclosure problem. We can help you save your home and credit history through a variety of loss mitigation options:
Time is your enemy!
The longer you wait, the harder it is for us to help you. Yes, we often do pull clients out of the fire at the last minute but consider this... If your house payments are more than a month behind, your lender has probably already started foreclosure proceedings against you. As time passes, thousands of dollars in penalties and legal fees can be added to the balance you owe. And every single day the interest charges are growing.
Sometimes homeowners are not even aware how far their foreclosure has progressed. We talk to people almost every day who did not even know their house had already been sold at auction. Please don't let that tragedy happen to you! If you would like to stop foreclosure, protect your assets and credit history 913-642-3334 or visit us at http://www.wantinsight.com/ to talk with a consultant. You’d be glad you did!
If you are looking for a realistic long term solution to your financial problems? For a FREE no obligation consultation on how we can help you stop foreclosure, save your home and preserve your credit history.
“Helping our Community Save Their Home”
Customize Approach
Too many banks use a “one size fits all” approach with homeowners in foreclosure. Your situation is unique. You deserve to get a fair and personalized settlement from your lender. We stop foreclosure by taking the time to listen to your concerns, assess your financial needs and then negotiate a mortgage workout that YOU can live with.
Professionalism We get your bank to pay attention to your needs because they know and trust us. We have been stopping foreclosures for many years. During that time we have successfully rescued a multitude of families from the devastation of foreclosure. Our chief mitigator has over 15 years' experience in Real Estate. That kind of experience and track record in the industry gives us credibility with your lender. Our integrity and professionalism help us to be heard when no one else can get through the red tape.
Established Contacts Our staff of full time mitigators works with the key negotiators and decision makers at lending institutions across the country on a daily basis. They speak the language and understand what it takes to break through the bureaucracy to get your case heard.
We will use our experience and relationships to your advantage. Please don’t delay. Act today while hope remains.
Michele “MAC” A. Cole
http://www.wantinsight.com/ Information provided by Emodications...
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