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GREAT NEWS

If you have been thinking about refinancing NOW IS THE TIME! Please call us today to discuss your options. We will provide you with a free written savings analysis for review. If you would like to see a sample of the savings analysis click here.

Homes & Neighbors Newsletters

You'll enjoy the light topics about social values and home ownership in Homes & Neighbors. Feel free to forward a copy of it to your friends and co-workers. Your subscription is FREE.

2011 Issues

Click Here July 2011 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Bright Days Ahead – ...Several factors make this a moment of opportunity for U.S. home purchasers... Click the July Homes & Neighbors Newsletter link above for the rest of the story
Buying After Bankruptcy – ...Rebuilding your life after going through bankruptcy requires... Click the July Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Ready to Recover
Confident Homeowners

Click Here June 2011 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Refinancing Pays Off – ...Recent borrowers cut their average interest rate by 1.2 percentage points... Click the June Homes & Neighbors Newsletter link above for the rest of the story
Take Advantage of the Times – ...Buying when house prices are low is a recipe for success... Click the June Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Maximize Income Property Benefits
Rates Drop Again

Click Here March 2011 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Better Price Outlook – ...Real estate values should climb in coming years... Click the March Homes & Neighbors Newsletter link above for the rest of the story
Market Keeps Improving – ...rates recently were lower than they were a year ago... Click the March Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Time of Opportunity
Get Ready for Yesterday

Click Here February 2011 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Gain Lower Payments– In 2010 the average rate on a 30 year, fixed-rate home loan reached its lowest point in 55 years... Click the February Homes & Neighbors Newsletter link above for the rest of the story
Boost Your Credit Score – ....there are things you can do to better your score... Click the February Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Effective Negotiating
A Brighter Forecast

Click Here January 2011 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Economy Keeps Advancing– Signs continue to point towards improvement in US real estate markets. Click the January Homes & Neighbors Newsletter link above for the rest of the story
Gaining Health – House prices appear to be stabilizing... Click the January Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Get Rich Slowly
Our Retirement Goals

Click Here September 2010 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Buying Is Easier Now– Todays record-low mortgage rates and attractive home prices put buying a home within reach. Click the September 2010 Homes & Neighbors Newsletter link above for the rest of the story
Money - Saving Loans – Home loan refinancing activity recently reached its highest level in more than a year... Click the September 2010 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Better Times Ahead
A Smart Move

Click Here August 2010 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

RATES REACH RECORD LOWS!– Home loan rates FELL steadily over the summer …Click the August 2010 Homes & Neighbors Newsletter link above for the rest of the story
Today's Special Opportunities – Today's market is allowing many Americans to purchase their first home. Click the August 2010 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Make Your Garden Bright
Better Jobs Outlook

Click Here July 2010 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Smart Loan Shopping Tips – Shopping for a home loan requires more than just comparing rates …Click the July 2010 Homes & Neighbors Newsletter link above for the rest of the story
It's Time To Buy – Home purchases soared this spring ... Click the July 2010 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

A Solid Foundation

Click Here June 2010 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Job Picture Brightens – April saw the largest hiring increase in 4 years…Click the June 2010 Homes & Neighbors Newsletter link above for the rest of the story
Lower Rates Help – Rates on 30 year home loans dropped to their lowest level ... Click the June 2010 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

More Confidence
Remodeling on the Rise

Click Here April 2010 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Take Advantage of Today's Market – Real estate values are showing more strenght…Click the April 2010 Homes & Neighbors Newsletter link above for the rest of the story
Cut Your Monthly Expenses – Close to two out of five homeowners with 30-year fixed rate mortgages could cut their monthly expenses significantly... Click the April 2010 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Buying Tips
Plant Wisely
Buy the Home You Want

Click Here February 2010 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Great Buying Opportunities – Today a typical household buying an average residence finds mortgage payments take up less than 20 percent of their earnings…Click the February 2010 Homes & Neighbors Newsletter link above for the rest of the story
Refinancing Lets Owners Save – Mortgage rates remain near historic lows today, providing owners with opportunities to refinance and reduce their monthly payments... Click the February 2010 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Ready To Buy
We're Turning Green
Our Positive Outlook

Click Here January 2010 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Expanded Tax Credit Helps Buyers – Existing homeowners - as well as first time buyers - now can save thousands of dollars when purchasing a principal residence by April 30, 2010…Click the January 2010 Homes & Neighbors Newsletter link above for the rest of the story
Rates Hit All Time Lows – Record low mortgage rates are making it easier fo Americans to buy a home, or refinance their existing loan. All time lows... Click the January 2010 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Happy New Year!
First Priorities

2009 Issues

Click Here October 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Still Time to Refi – Interest rates continue showing volatility by moving higher one week and lower the next…Click the October 2009 Homes & Neighbors Newsletter link above for the rest of the story
Today's Second Home Strategies – Second home owners are pursuing various strategies to make those properties more affordable... Click the October 2009 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Prime-Time Homes
Housing Gains Strength

Click Here September 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

More Growth Ahead – Prominent economists believe America's recession is over, and that…Click the September 2009 Homes & Neighbors Newsletter link above for the rest of the story
Rates Remain Low – Recently rates on 30 year home loans were 1.3 percent below their levels of a year ago... Click the September 2009 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Home Sales Keep Advancing
Why Buy Today?

Click Here August 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Make Your First Home Purchase – Owners find their lives change in positive ways after purchasing a residence…Click the August 2009 Homes & Neighbors Newsletter link above for the rest of the story
Let’s Lighten Up! – Keep your perspective by remembering that life is a series of highs and lows... Click the August 2009 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Housing Market Strengthens
Better Times Ahead

Click Here July 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Home Sales Picking Up – Low interest rates and an $8,000 tax credit for first-time homebuyers helped push pending home sales up for the third month in a row…Click the July 2009 Homes & Neighbors Newsletter link above for the rest of the story
Refinance & Save – Refinancing gave those owners an instant boost to their monthly income. Reducing your regular expenses is just as good as getting... Click the July 2009 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Economic Concerns Recede
Your Smart Move

Click Here June 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Home Sales Gaining Strength – Low mortgage rates, attractive home prices, and new tax breaks are causing home sales to surge…Click the June 2009 Homes & Neighbors Newsletter link above for the rest of the story
How We’re Coping – A recent survey found that more than four out of five Americans are willing to cut back... Click the June 2009 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Friendship Always Helps
Rates Drop Lower

Click Here May 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Mortgage Rates at Record Lows – Rates on 30 year home loans dropped in April to their lowest point ever recorded, says mortgage investment firm Freddie Mac…Click the May 2009 Homes & Neighbors Newsletter link above for the rest of the story
Time to Refinance – Refinancing into a lower rate is an attractive prospect for many homeowners now... Click the May 2009 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Happy Mother’s Day!
Owning Pays Off

Click Here March 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

New Tax Credit Helps Buyers – A new tax credit for first-time homebuyers provides big benefits…Click the March 2009 Homes & Neighbors Newsletter link above for the rest of the story
Home Affordability Rises – Lower mortgage rates are making it easier for buyers to obtain affordable home payments. Prospective buyers who looked at houses last year should do so again, since conditions have... Click the March 2009 Homes & Neighbors Newsletter link above for the rest of the story
Also Inside This Issue

Getting Ready for Spring
Higher Loan Limits

Click Here February 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Effective Mortgage Strategies – Home loan rates have continued to fall, offering consumers a great chance to purchase property on excellent terms…see attached newsletter for the rest of the story
Time to Invest – The best time to invest is when others are scared to do so. For that reason a few intrepid real estate investors are finding bargains now here's what to know...see attached newsletter for the rest of the story
Also Inside This Issue

Improve Your Credit Score

We're Making Adjustments

New Tax Break Helps Homebuyers

Click Here January 2009 Homes & Neighbors Newsletter

THIS MONTHS PREVIEW

Happy 2009 – Simply making someone smile or forget their concerns for a moment is a great gift to regularly offer those around us. And... happy people live longer because …see attached newsletter for the rest of the story
Lower Interest Rates Signaled – Government efforts to provide eaiser credit to consumers and jump start flagging home sales could push mortgage rates below 5% but...see attached newsletter for the rest of the story
Also Inside This Issue

Benefits of lowering your payment now

Home Prices beginning to rise in some markets

When is the best Time to Buy a home
Upbeat Outlook determines how we respond to life's challenges