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Feature Loaded
• 2,866 sq. ft., 3 bath, 4 bdrm colonial "3.1 Baths" - 
MLS® $279,900 - Big House/Big Bargain
High Point, Strongsville - Parkview Beauty on Cul-de-sac! Dramatic, Plan. Most Freshly Painted in Neut Tones. Lot's of Newer:Hardwood Flrs W/Marble Trim! Doors, Berber & Carpet, Granite Counters & Island, Stainless Appl & Fixtures. Extra Wide Drive, Big Paver Patio, Fresh Painted Trim. Basement Rec W/Full Bath, Bar, Office/Bd.
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Cozy and Charming Century Hudson Home
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Lending Crisis: Why it happened and how it is changing
Click Below For Video
http://www.mortgagesuccesssource.com/go/markmarket/
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Free Google Information Search Really handy. I'm going to program it into my phone. Just leave it up to Google <http://www.google.com/> to come up with something like this!!! Here's a number worth putting in your cell phone, or your home phone speed dial: 1-800-goog411 (1-800-466-4411). This is an awesome service from Google, and it's free -- great when you are on the road.
Don't waste your money on information calls and don't waste your time manually dialing the number. I am driving along in my car and I need to call the golf course and I don't know the number. I hit the speed dial for information that I have programmed. The voice at the other end says, 'City & State.' I say, 'Garland, Texas.' He says, 'Business, Name or Type of Service.' I say, Firewheel Golf Course.' He says, 'Connecting' and Firewheel answers the phone. How great is that? This is nationwide and it is absolutely free!
Click on the link below and watch the short clip for a quick demonstration.
http://www.google.com/goog411/ http://www.google.com/goog411/
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22254 Jonathan in Strongsville - Announcing a price reduction on 22254 Jonathan, a 1,608 sq. ft., 1 bath, 3 bdrm bi-level. Now MLS® $139,000 - Lot's Newer Here. Search all MLS Strongsville Homes For Sale. Free, No Obligation & No Spam. http://www.ritalegansells.com/Listing/IDXPopUp.aspx?mid=2881317&auth=True
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Hudson - Announcing a price reduction on 2851 E Streetsboro Road, a 1 bath, 3 bdrm 2 story. Now MLS® $149,900 - Motivated Seller Just Reduced so You Can Get into Hudson at a Real Value
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The single story at 10050 Reichert in Parma 44130 has been sold.
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North Akron, Akron - Announcing a price reduction on 1504 Artman Avenue, a 1,536 sq. ft., 2 bath, 4 bdrm 2 story "Colonial". Now MLS® $134,900 - .
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Ohio City, Cleveland - Announcing a price reduction on 1707 Randall, a 1,484 sq. ft., 2 bath, 3 bdrm townhouse "Row House". Now MLS® $137,500 - Seller Slashed Price 10K.
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Jonathan West of Priem, Strongsville - Announcing a price reduction on 22254 Jonathan, a 1,608 sq. ft., 1 bath, 3 bdrm bi-level. Now MLS® $147,000 - Lot's Newer Here.
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West off Turney North of Garfield Heights, Cleveland - Announcing a price reduction on 4438 Brooks, a 2,167 sq. ft., 2 bath, 3 bdrm 2 story "Cape Colonial". Now MLS® $179,000 - 7 Years Tax Abatement.
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-----Original Message-----
Sent: Wednesday, October 22, 2008 1:32 PM
To: Jim Cook
Subject: Re: Resending an Earlier Message About the Financial Crisis
Hi Jim,
Good information! Can I reprint this for my blog. Of course
giving you, Jim Cook, Govie Man credit.
Rita Legan
In a message dated 10/22/2008 1:27:31 P.M. Eastern Daylight Time,
jcook@consumersmortgage.com writes:
If your prospective buyer's are anything like the people with whom I've
been talking lately, there is tremendous fear and confusion as to what
all of this Economic news means to their chances of getting a Mortgage loan
right now.
Here's a bullet point analysis of what to worry about and what not to:
* Fannie Mae and Freddie Mac (commonly referred to as GSE's,
which means Government Sponsored Enterprises) are strictly conventional
loans. They do NOT do FHA loans.
* FHA loans are under the auspices of HUD. HUD has had far
better oversight and control than the GSE's. The GSE's became a toy chest for
certain congress people's plans, but that's for a different discussion.
* FHA (and VA) loans are ultimately funded through Ginnie Mae
(the Government National Mortgage Association). These are not currently
viewed as "at risk" and investors consider them the best MBS (Mortgage Backed
Securities) options today.
* 80% or more of today's loans in our market are FHA loans. So,
the Fannie and Freddie crisis means NOTHING to the ability of your buyer's
to get a loan. (Keep in mind that, in most cases, an FHA Mortgage offers much
better terms than low down payment Conventional loans anyways)
* Therefore, if you're getting an FHA Mortgage, you're in good
shape, unless you're dealing with a troubled Bank.
* Bank's typically only use their own resources so, if they
should be experiencing trouble, it could cause a closing complication. Until
today, I would have said there's not a great chance of that happening, but then
WaMu (Washington Mutual) fails, is taken over by the Government and is sold
to JP Morgan Chase. The transition may very well delay some buyer's
closings. If the bank through whom a buyer is getting their Mortgage has liquidity
issues, it is possible closings could be delayed or worse. The worst case
scenario being the buyer's would have to apply again somewhere else and are
subject to rates in affect at that time.
* If your buyer's are working with a strong Mortgage Company,
then there is no reason for them to worry, at all. We have available to us
several options as to whom we can sell a loan. If one of them happens to be
dealing with liquidity issues, then we look at the next option, and the next
one, and the next one, etc. In other words, we're not dependent on one specific
resource for our money, which gives you and your buyer's a strong sense
of security. In the final analysis, as long as your buyer is getting an FHA
Mortgage, then they do not have to worry about their loan option disappearing.
FHA is strong. The best advice I could give a prospective buyer today is, if
the home is nice and reasonably priced (according to the Real Estate
Professional, NOT family, friends, etc.) write on it NOW! Those homes don't last
long. To help you appreciate the strength of Consumers Mortgage, we are now
the #1 privately owned Mortgage lender in Cuyahoga County. We continue to
grow month after month, while others are shrinking, de-emphasizing
Mortgages, becoming very cautious or going out of business. We offer very
experienced Processors, Closers and Underwriters who have the approval mentality.
I have been in the Mortgage industry for almost 30 years now and have an
excellent reputation for taking care of my customer's. You are a customer to
me, so you can expect to be treated well, too. That includes honest, quick
feedback and regular communication. Please feel free to share this analysis
with any anxious buyers, so that they wiill know they have nothing to fear if
they're doing an FHA Mortgage. I would also enjoy the opportunity to talk with
you about what you deserve from a Loan Officer and Lender and see if we would
work well together.
Thank you.
Jim C. Cook
GovieMan (tm), The ONLY Choice for FHA, VA and ALL Mortgages
Cell (216) 401-1717
Fax (440) 826-3500
www.govieman.com
jcook@consumersmortgage.com
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2851 E Streesboro-Hudson, Hudson - We invite everyone to visit our open house at 2851 E Streetsboro Road on October 26 from 2:00 PM to 4:00 PM.
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High Point, Strongsville - Announcing a price reduction on 18529 Rustic Hollow, a 2,866 sq. ft., 3.1 baths, 4 bdrm colonial MLS® NOW Priced At $289,000 - Big House/Big Bargain. www.18529rustichollow.com
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