By Nelson32 June 13, 2013
I got help from the below site to know more about reverse mortgage, try it. http://www.reversemortgagelendersdirect.com/. Its also important to learn about pitfalls of reverse mortgages --- http://www.reversemortgagelendersdirect.com/reverse-mortgage-calculator/ http://www.reversemortgagelendersdirect.com/how-does-a-reverse-mortgage-work/ http://www.reversemortgagelendersdirect.com/reverse-mortgages-pros-and-cons/ http://www.reversemortgagelendersdirect.com/reverse-mortgage-rates/ http://www.reversemortgagelendersdirect.com/reverse-mortgage-loan/ http://www.reversemortgagelendersdirect.com/washington-reverse-mortgage/ ...read more
By seattlejanie at Citysearch August 23, 2010
I have banked at this branch for years, actually about a decade. Back when it was WAMU and not Chase. I avoid coming into this branch whenever possible. Too much trouble to change banks at this point because of the automated payroll deposit. It must be the corporate culture at this branch to treat customers with as little respect as possible. Just ask if there is a restroom you can borrow, of course not. Today young Asian male snapped at me & told me his station was not open when I had a 3 second question (after being booted out of the last station, after patiently waiting my turn). Not 3 minutes before, a man walked up to this same station, without waiting his turn, and asked a question that was no problem to answer. Apparently it's only important to enforce rules and put females in their place. ...read more
By Jewelss at Citysearch May 19, 2010
CHASE BANK SEATAC WA REALLY NEEDS TO BRUSH UP ON THEIR CUSTOMER SERVICE SKILLS. THIS BANK HAS THE RUDEST CSR'S ...read more
VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy. Seattle VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms. Benefit Description VA offers a variety of home loan guaranty programs for Active Duty Servicemembers, Veterans, and National Guard and Reserve members. The VA Interest Rate Reduction Refinance Loan (IRRRL) lowers your interest rate by refinancing your existing VA home loan. By obtaining a lower interest rate, your monthly mortgage payment should decrease. You can also refinance an adjustable rate mortgage (ARM) into a fixed rate mortgage. VA IRRRL Facts No appraisal or credit underwriting package is required when applying for an IRRRL. An IRRRL may be done with “no money out of pocket” by including all costs in the new loan or by making the new loan at an interest rate high enough to enable the lender to pay the costs. When refinancing from an existing VA ARM loan to a fixed rate loan, the interest rate may increase. No lender is required to give you an IRRRL, however, any VA lender of your choosing may process your application for an IRRRL. Veterans are strongly urged to contact several lenders because terms may vary. You may NOT receive any cash from the loan proceeds. VA Loan Application Process A new Certificate of Eligibility (COE) is not required. You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a certificate of eligibility. With a Purchase Loan, VA can help you purchase a home at a competitive interest rate, and if you have found it difficult to find other financing. VA’s Cash-Out Refinance Loan is for homeowners who want to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. The Cash-Out Refinance Loan can also be used to refinance a non-VA loan into a Seattle VA loan. VA will guaranty loans up to 100% of the value of your home. Seattle VA Home Loan Advantages The guarantee VA provides to lenders allows them to provide you with more favorable terms, including: No down payment as long as the sales price doesn’t exceed the appraised value. No private mortgage insurance premium requirement. VA rules limit the amount you can be charged for closing costs. Closing costs may be paid by the seller. The lender can’t charge you a penalty fee if you pay the loan off early. VA may be able to provide you some assistance if you run into difficulty making payments. You should also know that: You don’t have to be a first-time homebuyer. You can reuse the benefit. VA-backed loans are assumable, as long as the person assuming the loan qualifies ...read more
By Mortgage Lending Group February 17, 2013
Bellevue Home Purchase Loans - Home Loan Pre Approvals Buying a home in the Bellevue area? Get a preapproval for a purchase loan today! A properly structured Bellevue purchase loansallows you to get the home you would like with a payment that matches your budget. Even first time home consumers have several options when it is time to purchase their first home. We can help you select the proper program, price range, and even direct you to the correct Realtor for you in your area. I've decided to buy a home. Now what? If you’re not certain how much home you can afford, what payments match within your budget, or what kind of loan program is true for your home purchase, we can help you. We will also help you : Get you pre-qualified so that when you discover the right home you can move quick Choose an acceptable home value Calculate your anticipated monthly payments Find a Realtor that can help you discover the proper home Select the correct loan program Thinking of buying a home or refinancing your current home loan? There are numerous home loan options that you may consider depending on your situation. Speaking to an experience loan consultant is the best way to ensure you are looking at the right options. A home is the biggest purchase in the lives of our clients and should be treated with extreme care and thoughtful process. Via direct financing and brokerage relationships with banks, Mortgage Lending Group offers you access to a wide variety of mortgage programs and will find the appropriate fit for your unique situation. Working with American Nationwide Mortgage a bank established by principals with over 30 years in mortgage banking. The company’s mission is to provide the borrower in obtaining the lowest possible rate while maintaining the highest expectation of service and customer satisfaction. We know that great rates are not enough, therefore we also provide an exceptionally high level of service. We have distinguished ourselves in the industry by providing high quality financial services. Call (888) 457-0011 to speak with a licensed Bellevue mortgage professional or complete the fast quote form now. All loan consultations and pre-qualifications are absolutely free with no obligation. ...read more
By Mortgage Lending Group January 13, 2013
If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance your Seattle mortgage through a Seattle Home Affordable Refinance Program (HARP) Mortgage. HARP refinance is designed to help you get a new, more affordable, more stable mortgage. Seattle HARP refinance program require a loan application and underwriting process, and refinance fees will apply. If you're underwater on your home mortgage (you owe more than the value), then consider looking into Seattle Refinance Harp, Seattle Harp Refinance Program, Seattle Harp Refinance Rates, Seattle Harp Mortgage Refinance and learn more or call our local Washington State HARP refinance lenders. Apply For a Seattle HARP (Home Affordable Refinance Program) Refinance Program. When you’re ready to see if your able to take advantage of a Seattle HARP refinance Call (888) 457-0011 to speak with a licensed Seattle mortgage broker or complete the fast quote form now for a free, not obligation mortgage quote. Lastly, don’t forget! The Home Affordable Refinance Program is not meant to save a home from foreclosure. It’s meant to give underwater homeowners a chance to refinance without paying PMI. If you need foreclosure help, call your current loan servicer immediately. Learn more about: Seattle Refinance Harp, Seattle Harp Refinance Program, Seattle Harp Refinance Rates, Seattle Harp Mortgage Refinance Eligibility You may be eligible for a Seattle HARP refinance loan if you meet all of the following criteria: § The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae. § The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009. § The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009. § The current loan-to-value (LTV) ratio must be greater than 80%. § The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months. *Eligibility criteria are for guidance only. Contact your mortgage servicer to see if you are eligible for HARP. If you have questions regarding you eligibility for a HARP refinance loan for your Seattle mortgage, speak to our HARP mortgage loan specialists today. Seattle Refinance Harp, Seattle Harp Refinance Program, Seattle Harp Refinance Rates, Seattle Harp Mortgage Refinance What Is HARP? HARP was started in April 2009. It goes by several names. The government calls it HARP, as in Home Affordable Refinance Program. The program is also known as the Making Home Affordable plan, the Obama Refi plan, DU Refi+, and Relief Refinance. In order to be eligible for a Seattle HARP refinance program : 1. Your loan must be backed by Fannie Mae or Freddie Mac. 2. Your current mortgage must have a securitization date prior to June 1, 2009 If you meet these two criteria, you may be HARP-eligible. If your mortgage is an FHA, USDA or a jumbo mortgage, you are not HARP-eligible. Underwater FHA mortgages can be refinanced via the FHA Streamline Refinance program. Underwater VA mortgages can be refinanced via the VA IRRRL mortgage program (VA Streamline Refinance). Washington State HARP Program : Questions and Answers Do these question-and-answers account for the "new" HARP mortgage program? Yes, everything you are reading is accurate as of today, . This post includes the latest changes as rolled out by the Federal Home Finance Agency on October 24, 2011, and as confirmed by Fannie Mae and Freddie Mac on November 15, 2011. HARP 2.0 was formally released by Fannie Mae and Freddie Mac March 17, 2012. Is "HARP" the same thing as the government's "Making Home Affordable" program? Yes, the names HARP and Making Home Affordable are interchangeable. How do I know if Fannie Mae or Freddie Mac has my mortgage? Fannie Mae and Freddie Mac have "lookup" forms on their respective websites. If my mortgage is held by Fannie Mae or Freddie Mac, am I instantly-eligible for the Home Affordable Refinance Program? No. There is a series of criteria. Having your mortgage held by Fannie or Freddie is just a pre-qualifier. My mortgage is held by Fannie/Freddie. Now what do I do? Find a recent mortgage statement and write "Fannie Mae" or "Freddie Mac" on it -- whichever group backs your home loan -- so you don't forget. Give that information to your lender when you apply for your Seattle HARP refinance. My mortgage is backed by Wells Fargo. Am I eligible for HARP? It's possible that your mortgage is backed by Wells Fargo, but the more likely answer is that Wells Fargo is just your mortgage servicer; the bank that collects your payments. Wells Fargo backs very few of its own loans. Most loans for which payments are sent to Wells Fargo are backed by either Fannie Mae or Freddie Mac. Double-check with Fannie Mae and Freddie Mac before assuming Wells Fargo backs your loan. My mortgage is backed by Bank of America. Am I eligible for HARP? Bank of America does back some of its own loans, but the more likely answer is that Bank of America is your mortgage servicer; the bank that collects your monthly mortgage payments. Bank of America backs very few of its own loans. For most loans for which payments are sent to Bank of America, Fannie Mae or Freddie Mac are the actual loan-backers. Double-check with Fannie Mae and Freddie Mac to make sure Bank of America doesn't hold your loan. My mortgage is backed by Chase. Am I eligible for HARP? There is a chance that Chase backs your loan, but what's more likely is that Chase is just your mortgage servicer; the bank that collects your payments each month. Chase backs very few of its own loans. For most loans for which payments are sent to Chase, you'll find that Fannie Mae or Freddie Mac are the actual loan-backers. Double-check with Fannie Mae's and Freddie Mac's websites to make sure your loan is not held by Chase. My mortgage is backed by CitiMortgage. Am I eligible for HARP? Your mortgage statement may have the CitiMortgage logo on it, but that doesn't necessarily mean that CitiMortgage back your loans. It's more likely that CitiMortgage is your mortgage servicer; the bank paid to process your payment each month. With most loans for which payments are sent to CitiMortgage, the actual loan-backer is Fannie Mae or Freddie Mac. Double-check with Fannie Mae's and Freddie Mac's websites to see if you can find your loan. My lender won't do HARP. Can I use HARP with another lender? Yes. You can do HARP with any participating lender. This is a major change from the original HARP program. The government is trying to get as many people access to the program as possible. What if neither Fannie Mae nor Freddie Mac has a record of my mortgage? If neither Fannie nor Freddie has record of your mortgage, your loan is not HARP-eligible. However, you may still be eligible for a "regular" refinance to lower rates. Use this form to get a rate quote to see your options. Or, if your mortgage is insured by the FHA, use the FHA Streamline Refinance program. The FHA Streamline Refinance helps underwater homeowners, too. Apply For a Seattle HARP (Home Affordable Refinance Program) Refinance Program. When you’re ready to see if your able to take advantage of a Seattle HARP refinance Call (888) 457-0011 to speak with a licensed Seattle mortgage broker or complete the fast quote form now for a free, not obligation mortgage quote. Lastly, don’t forget! The Home Affordable Refinance Program is not meant to save a home from foreclosure. It’s meant to give underwater homeowners a chance to refinance without paying PMI. If you need foreclosure help, call your current loan servicer immediately. ...read more
By Mortgage Lending Group January 12, 2013
When a consumer secures a loan from a bank for personal use, this is called a personal banking loan. If you are interested in taking out a personal loan, you might want to know about different types of personal loans and how personal banking loans work. ...read more
If you own a financial portfolio, you probably had to deal with an investment company. Since, an investment company usually handles mutual fund operation and has many responsibilities governing the way a mutual fund is taken care of. These companies receive their funding from investor and can be publi... ...read more
