E Mortgage Blog

https://www.lender411.com/id/cashton/

• Minimum of 620 score for up to 80% LTV
• Minimum of 660 score for up to 97% LTV
• Condo's are OK as long they are FNMA Warrantable (some restrictions may apply)
• DU - Approve/Eligible
• Max 50% DTI
• NO MI
• NO APPRAISAL
• Credit determined by DU

Please call us at 239-580-9977 or 561-210-3000

or email premiermortgagestore@live.com

Confidence in lending - Teamwork is the simple key to success!

RE Agent and Brokers - We Close Your Loan on Time, Every Time

We understand that an on-time closing is paramount to achieving a successful real estate transaction. Does your client need to close quickly? Do you require a firm closing date? No problem. We’ll close your loan on the due date specified, or we will self impose a penalty by waiving the procesing fee of $ 750.00. If we do not call your client back after you called us within 24 hours we will waive the application fee to your client!
 

We Guarantee Your Commission

You will never have to worry about wasting your time again. If you receive an Approval Letter from us and we have verified all client info and we have processed the loan and then sell your client a home, and the loan does not close due to our fault, we will still pay you your full real estate commission!

We Offer the Lowest Rate & Fee

Whether your client is a first time homebuyer or a seasoned home veteran, you can rest assured that we will provide your clients with the most aggressive combination of rate and fees in the country. As a direct lender, we eliminate unnecessary middle man fees. This guarantees that will your clients will always receive the best terms available.

1605A Prosperity Farms Rd

Lake Park Florida 33403

Phone: 561-210-3000

Fax: 561-624-1764

premiermortgagestore@live.com

Our websites:

*Client must provide all inforamation required in a timely manner and all information will be verified before approval letter and Hud 1 must be prepared, loan must be fully processed or guarantee is void. All client cost must be paid in full, unforseen client issues void guarantee. W-2 borrowers only.

The real estate market has really seen some dramatic changes – instead of multiple offers for homes, you are spending more time showing homes to prospective buyers and showcasing homes. This effort leaves little time for answering the questions or responding to the “Lookie-Lou's” – those people that have never bought a home before and don’t know if they can qualify or afford a home.

Of course, you can’t just ignore these people – they have the potential to become future clients. But you can’t afford to take the time to baby sit them when your business demands that you spend your time selling properties. What do you do? You find someone who’s an expert at customer service and nurturing relationships.

CARL ASHTON of Bright Green Home Loans is that expert. He wants to work as a partner with you in helping these potential clients understand the mortgage process. Not only can he easily prequalify potential buyers, but he can help those individuals that don’t qualify yet, or aren’t committed to buy, get ready to buy.

Some people need nurturing to understand that buying a home is the most important investment of their lives. And, some people need help developing a plan to get them to the point where a home purchase is affordable. Carl can help these potential customers get ready for the biggest purchase of their life.

These prospects may seem cold to you now, but with a little hand-holding and time, they can become red hot.  CARL ASHTON wants to help you develop these prospects, while giving you the freedom to put most of your efforts into the work that’s going to realize the greatest profit.

Just as importantly, CARL ASHTON can work with you to develop tools to help these clients now. He has a wealth of information at his disposal to help find loan programs you never knew were available, and he can give you information to help educate the client.

Letting referrals build your business is a smart marketing plan. So why not tap into a source of fresh referrals, for now and in the future.

Call or Email CARL ASHTON at Bright Green Home Loans to find out just how easy it is to work as partners in developing a strong, qualified client base.

1605A Prosperity Farms Rd

Lake Park Florida 33403

Phone: 561-210-3000

Fax: 561-624-1764

premiermortgagestore@live.com

Our websites:

Premier Mortgage Store 1605B Prosperity Farms Road Lake Park, FL 33403

Phone: 561-210-3000 Fax: 561-624-1764

Premiermortgagestore@live.com

www.premiermortgagestore.com

www.usdamortgagestore.com

www.fhamortgagestore.com

www.vamortgagesstore.com

Premier Mortgage Store 1605B Prosperity Farms Road Lake Park, FL 33403

Phone: 561-210-3000 or my cell 239-580-9977
Fax: 561-624-1764

3rd Quarter Tax Planning - What we do besides write mortgages!


So you and your clients reap the tax deductible rewards of home ownership

Agents and Brokers you are welcome to copy this article and use it in your offices to give to your clients.

Considering we are entering deep into the year away from tax season...If you’ve purchased, sold or refinanced your home in the past year, now in the third quarter tax season is the best time to think about reaping the benefits of being a homeowner! Take advantage of some of these tax breaks today and you could enjoy a bigger return
in April!

Mortgage Interest. For most homeowners, the bulk of your mortgage payment is going towards interest – and that’s a big tax break for you! The mortgage interest on your primary residence is fully tax deductible, unless, of course your loan is more than $1 million.

You can also deduct late payment charges as home mortgage interest as long as the payment was not late due to a specific service received in connection with your home loan. Also, if you pay off your mortgage early and incur a prepayment penalty, you can deduct that penalty as home mortgage interest (subject to the same requirements for late payments).

Property Taxes. Your property taxes - the annual taxes based on the assessed value of your property – can also be deducted. Your mortgage interest statement may list the amount of real estate taxes you paid if your taxes and homeowners' insurance went into an escrow account when you closed on your mortgage. You can also review your cancelled checks to determine your total real estate tax deduction.

Loan Points. Any points you paid to get a better rate on a home loan, are tax deductible in the year you made the purchase as long as:

• The loan is secured by your primary residence and it was used to buy, improve or build the home.
• Paying points is an established business practice in your area;
• The points are computed as a percentage of the loan principal;
• The points are clearly defined on the buyer's settlement statement; and
• You put cash into your home purchase in an amount at least equal to the points you were charged.

Loan Points on a Refi. The points you paid on a refinanced loan may also be tax deducible, however in most cases, the points must be deducted over the life of the new loan. So if you paid $2,000 in points to refinance a 30-year mortgage, you can deduct $5.56 per monthly payment, or a total of $66.72 if you made 12 payments in one year on the new loan.

Interest on a Home Equity Loan. The interest on a home equity loan may be tax deductible up to $100,000. However, if your home equity loan, when combined with your first mortgage amount, increases the debt on your home to an amount more than the property's actual value, you’ll face deductibility limits. In these cases, the IRS allows you to deduct the smaller of interest on a $100,000 loan or your home's value less the amount of your existing mortgage.

Our Preffered Tax Accountant is below please visit them for more tax planning tips or to start planning for 2010 now its never too late!

Visit www.ashtongroup.net or www.servicebusinesssolutions.com



Premier Mortgage Store 1605B Prosperity Farms Road Lake Park, FL 33403
Phone: 561-210-3000 Fax: 561-624-1764

www.premiermortgagestore.com

7 Top buying mistakes

1) – Not Being Pre-Qualified For Financing Before Looking

When you start to look, it is important that you know how much you can comfortably spend on a home. Getting pre-qualified for financing will lock down your price range and help prevent you from being turned down after falling in love with a home. It will also save you the strain of having to find a lender within a few days of conditionally buying a home. In times of fluctuating interest rates it would benefit you to lock in a lower rate. This could save you thousands of dollars if the rate increases while you are in the process of buying.

2) - Failing To Seek Out The Services Of An Experienced Real Estate Agent

Many Buyers are unaware of the fact that in almost every case they are not responsible for paying the agent’s fees; the agent is being paid a commission from the seller. It is always best to seek out an experienced real estate agent that can use their information regarding recently listed and sold properties to get you the lowest price possible. We have many relationships from Stuart to Key west to refer you to let us know if you need help!

3) - Failing To Know Research The Market Before Making Your Offer

Have your agent prepare all the area sales and comparables in your area and get a copy to look over before you make your offer. This will help ensure that you do not overpay what the home is really worth. In most cases, this is the same type of information that the seller saw when setting the price of their home. 

4) - Not Being Informed Of Your Rights & Obligations During Your Offer To Purchase

It is of the utmost importance to be aware of your rights and what to expect from a competent real estate agent.  A small mistake in a condition or clause could end up costing you time and money, or in some cases even void your contract. 

5) – Not Understanding The Common Negotiating Methods Used At Offer Time

Some buyers have been told that the best way to get a good price is to low-ball the seller from the start in hopes that the seller will drop their price down fast in their counter offer. In reality this often does nothing more than upset the seller and will probably end up ruining the chance at an acceptable offer to both of the parties involved. Have good communication with your agent, and they will be able to inform you on the many proper ways to negotiate a deal and still get you the lowest price.

6) - Failing To Use  Home Inspection Company

Buying your home often times the most important investment and financial transaction that you will ever make. A home inspection can save you hundreds or even thousands of dollars and unexpected problems down the road. In addition to the inspection, it is often a good idea to request some type of Home Warranty to cover the electrical appliances that come with the home. 

7) - Letting Your Emotions Cloud Your Judgment

Buying a home is an important and exhilarating process! It is important not to let your emotions get the best of you and cloud your judgment of whether you can really afford to make the payments comfortably, and so on. Be sure not to get so excited that you get in over your head.

Find Short Sales HERE

We will give you the personal attention you deserve and treat you as a valued customer. Give us a call at 561-210-3000 or 239-580-9977 or apply online now at www.