Do You Drink Egg Nog?

It is Egg Nog season. Grab a glass.

Happy Holidays

Enjoy the Christmas Season. See family, friends and take some time away from work!
You will not regret it!

Lock and Load

Mortgage rates are still fantastic. Rates are creeping up, however. If you have not refinanced lately and you would like to shorten your term or drop your rate our advice is do it now. If you have a Wells Fargo mortgage or an FHA loan with any lender you may be eligible for a reduced documentation loan, possibly without an appraisal and a streamlined process.

Contact me today. Apply on line at http://www.wisconsinmortgages1.com or call 414-416-9194 or email us @ wisconsinmortgages@gmail.com. Save money today.

FHA Mortgages

An FHA mortgage can be used to purchase a home with a limited down payment. Recently FHA mortgage rates have been in the low 5s. There are many advantages to using FHA financing when purchasing a home. There are no income limits. Earning $100,000 will not disqualify you. You can buy a duplex as long as you live in it. You can buy a condo, you can buy a single family home. You can even buy a manufactured home with an FHA loan. In Milwaukee and Waukesha Counties you can finance up to $315,000. Another advantage of FHA financing is the opportunity to refinance within 3 years and receive a refund of some FHA finance charges.

You may be able to refinance without an appraisal or other standard documents. You can do a streamline refinance if it will lower your payments. You can qualify for an FHA mortgage with a non-occupying borrower whose income and credit may allow you to qualify. There are many special features with FHA loans that may benefit you. Email us at http://www.wiscosinmortgages1.com for a special free report or call 414-416-9194.

More Milwaukee Mortgage News

Great news. If you haven't heard the tax credits for purchasing homes have been extended till June 2010. More good news. You can also receive a tax credit if you already own a home and buy another one. This credit is up to $6500 and you can receive the cash whether you up size or downsize. Income limits have been raised as well so if you make more than six figures, no worries. As long as you have owned for the last five of eight years you are in the money.

First timers can still receive $8000 in credits. Both scenarios need to be under contract by the end of April and you need to close the end by end of June. Remember you can amend your taxes anytime and receive the credit immediately. Always consult a tax advisor. Good luck. Did I mention we can pre-approve you now and rates and payments are at unheard of levels? Get excited. Take advantage of it. Tell your neighbors.

There are unbelievable deals available. Call a Realtor. But contact us first so you know what payment and price will work.

Wisconsin Mortgages

If you live in Wisconsin and your name is Yan Yansen you must smile often. If you live in Wisconsin and rent you should purchase now while mortgage rates are at historic lows and the inventory of homes for sale are at all time highs. If you currently own a Wisconsin home and have not refinanced in the last 6-18 months my question would be why?

Are cash flow, building net worth, equity and paying down your mortgage important? Let's get it taken care of now. Do not hesitate. Do not delay. The time is now. We can meet you at our west side Milwaukee office when it is easy for you. To schedule a confidential short appointment call me Monday-Saturday 8am-7:30 pm at 414-416-9194. Thank you!

First Time Home Buyer Tax Credit to be Extended

It looks like the $8000 First Time Home Buyer Tax Credit may be extended from November 30th until the end of June. People who have owned homes for five years may also take advantage of a $6500 credit subject to income limits. The Senate passed the bill, next it goes to the House and the President.

Streamline Refinance

Do you have an FHA or VA loan? If the answer is yes we can drop your rate and payment without an appraisal, in many cases.

Even if one of you is not currently working and was working previously this opportunity is available.

As long as you have on time mortgage payments YOU QUALIFY. Isn't life great?