Mortgage Rates have once again hit their lowest point, ever.   Take advantage of these low rates:

1. Buy a house.  Right, home prices are down everywhere…which is bad for the economy… WAIT! That is good for you! Buy.
 

2. Consolidate debt with a debt consolidation refinance. A If inflation is just around the corner like many suspect, then rates on mortgages, lines of credit, credit cards, etc will rise. Consolidate that debt into a fixed rate instrument before that happens. Protect yourself.

For Loan Pre-Approval, reliable service, and great rates, please contact: 

Dean Campazzie, Senior Mortgage Consultant of American Capital Corporation at 310.252.7212 or e-mail: go2dean4loan@aol.com

For detail on current Real Estate Rebates to help pay for closing costs, please e-mail HenryDarma@gmail.com.  The Rebates can SAVE you thousands of dollars, whether you are buying or selling homes, significant savings.  

Buyers should obtain a loan pre-approval letter from a solid financial institution and be ready to provide proof of funds for down payment when making an offer on a property.  FICO score information will strengthen Buyer's offer.  

Free MLS listing:  http://www.immobel.com/mrmls/EN/    

STOP FORECLOSURE NOW!  

Consider loan modifications, visit http://www.makinghomeaffordable.gov/pages/default.aspx for more information or contact Dean Campazzie for refinancing.     

If loan modification is not possible, a short sale may be an alternative solution to foreclosure.  Short sale is a lengthy process and requires cooperation from all concerned parties in order to be successful.            

In short sale, Lender(s) may pay for relocation fees of $2,500 or higher.

FREE Short Sale Consultation:  310-292-7613, NO OBLIGATIONS.  Call today.      

IN SHORT SALE,  AGENT COMMISSIONS ARE PAID BY BY THE LENDER(S) 

A short sale is one alternative to foreclosure if you are:

1.  Ineligible to refinance or modify your mortgage

2.  Facing a long-term hardship

3.  Behind on your mortgage payments

4.  Owe more than your home is worth

5.  Unable to sell your home at a price that can pay-off your mortgage

6.  Unable to afford your home and are ready or need to leave

What are the benefits of a Short Sale?

1.  Eliminate or reduce your mortgage debt

2.  Avoid the negative impact of a foreclosure

3.  Start repairing your credit sooner than if you went through a foreclosure

4.  May be able to get a Fannie Mae mortgage to purchase a home sooner (in as little as 2 years) than if you went through foreclosure (at least 7 years)

5.  No out of pocket costs!  Your lender covers your closing fees including realtors' commissions

Henry Darma, MBA, CDPE, SFR, e-PRO 

Broker Associate, DRE # 01185995

T: 310-292-7613   F: 310-538-5142  

E-mail: HenryDarma@gmail.com