By metcad99 June 07, 2013
Buyer Beware!!!! They will lie to your face. I made several trips (2.5 hours each way) to deal on a vehicle only to have them increase their price $500 at closing with no reason given for the increase. I also found the vehicle had been wrecked and they told me it had a clean record. All listed equipment was not on the vehicle. I will be contacting the BBB and the Mo Attorney General. So be very careful when dealing with this low budget company (especially Rob). ...read more
By Jasonmoffit February 15, 2012
Terry looks beyond just the business aspect of buying (or selling your home), he looks at you as a real human being. It's a nice change - he's GREAT at what he does, but what sets him apart is the trust he exhibits. ...read more
By budriley January 04, 2012
Terry doesn't just do the job - he goes above and beyond. Sorry to be cliche, but there's really no other way to describe this realtor. Not only will he provide you with service (buying, selling, etc.), but he's an INNOVATOR - he finds new, fresh ways to help you in ways other realtors can't. I absolutely recommend him! ...read more
Let me let you in on a little secret, Midwesterners. Mortgage lenders have two fears - that their debtor will either have their income reduced or completely cut off. And yes, these fears go hand-in-hand with you, the person paying the mortgage bills. The good news is, refinancing options are still available. If your paycheck has shriveled, you may still qualify for a “loan modification,” according to Jan. 2012’s Consumer Report. Be direct and clear with your lender, but not harsh. Use the same tone you would with your spouse when you’re really wanting something, without the friendly kisses. This trick normally works best when you can still afford about three-quarters of the monthly loan payment. But what if you’re out of a job? This drops you out of the runnings for refinancing, but many lenders will still allow partial or a complete suspension of mortgage payments for up to 12 months, according to Consumer Report. Just make sure your hiny is still in gear searching for a decent job. For those whom life has been especially harsh to in terms of finances, you may qualify for the Hardest Hit Fund, a government program that would allow a reduction in your principal mortgage. The economy certainly isn’t the most promising thing right now, but I hope this information on refinancing will be beneficial to you to keep your mortgage expenses down. Remember,I can Help. My advice and expertise on homes, home building, and real estate in the Southwest Missouri or Midwest is Available to YOU, with a Call to Me. Terry Dean 417-886-3326 Murney Associates 417-823-2300 ...read more
By Terry Dean - Murney Associates December 10, 2011
For part II, we must take a closer look at two facets of refinancing: qualifications and mortgage scams. Sadly, most of you probably know someone who is over their head in mortgage debt around the Springfield area, even if they haven’t personally told you. As you may have already guessed, those that most generally qualify for refinancing have 10-20 percent equity (difference between fair market value and balance on home) or a FICO of 720 or better, according to January 2012’sConsumer Report.If you’ve had the short end of the equity stick for a while, there is hope. Look into the federal Home Affordable Refinance Program, which gives homeowners with extremely low equity a chance to refinance their mortgage and receive much more affordable rates - without many of the attached fees. Remember, make use of this program only if you’re ahighly motivatedindividual who wants to get that mortgage paid off! These programs do no good otherwise.Mortgage Scams (Consumer Report) - Save yourself from these refinancing lies and foreclosure “rescue.”Mortgage Advice that costs $$$. Get help for free from professional mortgage counseling at 888-995-4673, a govt. programMortgage payments to third-parties. Without permission from your lender, you’re just tossing your money to a thief“Sign this now!”Be wary of this mentality of anyone you run across in the mortgage business. Don’t sign over the deed to your home - especially not on a whim.Terry Dean417-886-3326Murney Associates417-823-2300 ...read more
By Terry Dean - Murney Associates December 09, 2011
Refinance. Just saying the word sends a whirlwind of question marks up in the air, and it’s no wonder. Many southern Missouri folks view the process of refinancing their mortgage as too demanding, not to mention too complex.But look at the numbers: According toConsumer Report’s latest edition, approximately28 millionhouseholds with mortgages (around 58% of the market) are paying too much interest for today’s rates. Thirty-year fixed mortgages have dropped6% in the last two decades. Now don’t you want a piece of the savings pie?It’s important to remember that the sooner you refinance here in the Midwest, the more you can fill up your nest egg for the future. According toConsumer Report,even if you have a little less than10 yearsleft on your mortgage, you can still save. Let me give you a few examples:30 year mortgage at 6.7%; $200,000 (taken out 5 years ago)Monthly payment: $1,300Refinance to:25 year mortgage at 4%; $188,000 on balanceMonthly payment: $1,000 - Saves $90,000 in finance charges over 25 years15 year mortgage at 5.6%; (taken out 9 years ago)Refinance to:15 year mortgage at 3.6%Two options remain with the above scenario: Extend your mortgage by about 6 years and cut your monthly payments by about $922,orincrease your payments by $850 a month toward your principal and save $6,800!Stay tuned for more information about refinancing; Remember, my knowledge and experience with homes and home buying are at your disposal!Terry Dean417-886-3326Murney Associates417-823-2300 ...read more
By Terry Dean - Murney Associates December 08, 2011
Real estate appraisers provide services for mortgage companies, real estate firms and homeowners. These appraisals establish approved mortgage loan amounts and the listing prices. According to the United States Department of Labor, real estate appraisers earn $64,000 each year. ...read more
A commercial appraiser estimates the value of commercial property. Mortgage lending companies, investment and real estate companies, and business owners and individuals rely on the services of commercial appraisers to obtain reports and estimates of the market values of their properties. Commercial la... ...read more
