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Eliminate PMI or Private Mortgage Insurance!!!Eliminate PMI and save thousands! Ok, I admit it. As a Loan Officer, I hate PMI. Unless we are talking about an FHA loan and we have no choice, PMI does nothing for my client, my employer, or I. I have had to decline more loans because the PMI payment made the ratios NOT work than I have gained from clients who could not or did not wish to make a 20% down payment. The rules are written to make it a nightmare for consumers to get rid of PMI, it is not tax deductible, and so on, grumble, grumble, complain...... Do you get the picture? Email no pmi loans questions If you are buying or refinancing, I have good news for you. There are several great new no pmi loans that work. The best idea is to let me know what you are trying to do and I can "run some numbers" for you so you can make an informed decision on what is best for you.
We offer you the ability to qualify and close into several unique programs which accommodate borrowers with non traditional income or asset situations. Please visit my No Docs page. If you already own your home and are paying it STOP! All of the above programs are available to you as well. Today, refinancing is relatively inexpensive (if you don't pay origination fees) and can usually be completed within 30 days. And, given the appreciation we have seen recently in many parts of the market we may be able to get an appraisal in with an 80% LTV and the process becomes very easy. Calculate your "Payback Period" to verify refinancing makes sense in your specific situation. I have included a page on how to calculate your mortgage ratios. I have included a page on documentation requirements. * I have included a section on the new Cash Flow ARM. A LIBOR based product which gives you complete flexibility in managing your mortgage The new Asset Manager is a creative HELOC which gives you complete control over your mortgage as well. Learn more about investing As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come. Read more about this free, no obligation service. New! View my Wealthbuilder presentation and learn the safe way to manage your debt and fund your retirement. I hope the information on this page was useful to you. Please scroll down to view my Mortgage Market Guide. It is a weekly publication explaining the financial markets from a consumer's perspective that is available on this website or by email subscription. I have nearly 8,000 subscribers today and would be happy to have you as well. Your email address will never be used for any other purpose.
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