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VA Home Loans

November 4, 2009 No comments

VA Home Loans

VA Loans Done Right is a group of VA Home Loans mortgage professionals with over 20 years of experience in closing and funding VA Home Loans. VA Home Loans remain one of the best Home Loan Programs with some of the Lowest Mortgage Rates in the United States and can help active and retired military achieve the American dream of home ownership with 100% financing, no mortgage insurance, and reasonable credit guidelines.

VA Home Loans are arguably the best first time home buyer loan in the market.


The VA Home Loans Guaranty

The Veterans Administration offers a stable, government-backed mortgage program that has been around for decades.  Despite recent tightening of mortgage qualification standard, VA Home Loans remain a flexible program designed to help Veterans achieve the dream of home ownership. VA Home Loans rates are competitive with “conventional” rates and payments are low due to no mortgage insurance.

One of our experienced VA Home Loans Experts will give you a free, honest, no obligation consultation to help determine if you qualify for any of the available VA Home Loans!


Purchase a home with VA Financing


Refinance your VA Mortgage


What is the VA Certificate of Eligibility

OK, sounds good, but do you qualify?  The first step to determining if you qualify for any of the VA Home Loans is to order your VA Certificate of Eligibility (COE).  We can obtain your COE in minutes through our VA Portal.  You must have a DD214 or be active military in order to request your COE.  Visit our Certificate of Eligibility page for more information.

Once you have determined your eligibility, the next step is to get pre-approved.  If you are buying a home, the seller will want to see a pre-approval letter submitted with your offer.  Our VA Home Loans Experts can help you get pre-approved today!

 

VA Home Loans , , , , , , ,

Soldiers Reunited With Their Best Friends

December 9, 2011 No comments

Visit msnbc.com for breaking news, world news, and news about the economy

Watch as American Dog Rescue reunites American war heroes with the animals they cared for while deployed.
If you would like more information, please visit http://www.AmericanDogRescue.org.

 

I’m thinking about running a special promotion. I would really like to donate $150.00 for every VA Mortgage closed in the name of each client. Please tell me what you think of this idea and feel free to add other suggestions.

Thanks,

Fun Stuff

Bank Of America – Making News For All Of The Wrong Reasons.

October 13, 2011 2 comments

Bank Of America – Making News For All Of The Wrong Reasons.

 

The latest news from Bank Of America is they are no longer going to offer VA cash out refinances to our Veterans.

 

Has anyone else noticed that Bank Of America seems to be making news for all of the wrong reasons? How about the the news that hasn’t been reported, like the fact that Bank Of America is no longer going to allow our Veterans to utilize the entitlement they’ve earned to get a VA cash out refinance?

 

 

Another dirty little secret about Bank Of America is their policy to refuse to process mortgage payoff requests for refinances. If you have a VA Mortgage with Bank Of America and you decide to get a VA cash out refinance or a VA Streamlined Refinance with another lender, Bank Of America will not process your payoff request (which slows down your refi!) for your preferred lender until they speak to you and have a chance to “sell” you on staying with them!

 

 

It’s bad enough that we, as tax payers had to bail them out but now that Bank Of America has been saved from failing all the news surrounding them looks like a giant middle finger to the collective public.

 

Let’s take a look at some of the most recent headlines that Bank Of America has been generating.

 

1) Forbes -Bank of America Has Reportedly Considered 40,000      Job Cuts

Bank of America (BAC) officials have reportedly considered as many as 40,000 job cuts.

The Wall Street Journal is reporting that the cuts, which would come mainly from its consumer operations, would be part of its “Project New BAC” overhaul.

The Journal said the cuts would be in addition to the 6,500 the firm has already made this year.

Click this link Forbes to read the rest of this story.

 

 

2) The NY  Times – Bank Of America to start charging $5.00 per month for using their debit cards.

When Bank of America told its customers recently that it would start charging them $5 a month to use debit cards, it argued that it was forced to make that change because of regulations that altered the economics of the cards.

Click this link The NY  Times to read the rest of this story.

 

3) National Mortgage News – Bank Of America decides to exit VA cash-out refinance mortgages.

This past week National Mortgage News broke several updates on the bank, including its decision to exit FHA/VA cash-out refis, the collapse of talks with Fortress over its correspondent unit and its decision to exit six states. 

Click this link National Mortgage News to read the rest of this story.

 

 

These headlines would lead one to believe that Bank Of America surely must be on the brink of going under but not according to the next 2.

 

From The Guardian

-Profit on Wall Street, recession on Main Street

 

 

Taxis pass the Bank of America

Bank of America is typical of the trend of increasing profits while laying off thousands of staff. Photograph: Shannon Stapleton/Reuters
In the past few weeks alone, Bank of America, Goldman Sachs, Cisco Systems and Borders have all announced massive layoffs. Borders is closing its retail stores, auctioning off its holdings and letting go 10,000 employees as, due to online competition, the company is no longer profitable and filed for bankruptcy earlier this year. In contrast, Bank of America, Goldman Sachs and Cisco Systems have all posted profits in the last few quarters – in some cases, record highs. Alhough according to the latest data, 9.1% of Americans are unemployed, major US corporations are slashing jobs not out of necessity but out of greed. The revived focus in Washington on creating jobs may be pointless if corporate America no longer needs workers.

                   

Bank of America Profit Drops 37%

 

This headline is misleading to say the least.

 

With overall earnings of $2 billion, or 17 cents a share, the bank still missed analysts’ estimates of 27 cents a share. Bank of America earned $3.2 billion, or 28 cents a share, in the same period a year earlier.

Total revenue dropped, too, to $27 billion from $32 billion, a decline partly attributable to the weak economic recovery. As consumers cling to their cash amid uncertain times, mortgage lending has stalled at Bank of America and other giant lenders. The bank, facing new government regulations, also missed out on millions of dollars in overdraft fees and other charges once levied on consumers.

 

So Bank Of America’s profits drops 37% yet they still made $2,000,000.00 (yes that’s 2 BILLION dollars) and claim they need to charge you $5.00 per month to spend your money, lay off 40,000.00+ of  our friends, family and neighbors on top of eliminating VA cash out refinances.

 

At what point do we, as Americans and consumers, stand up to these greedy corporate machines?

NOW!

If you bank with Bank Of America, take your business to a local community bank or credit union.

If you have a VA mortgage with Bank Of America, refinance it with another lender like ENG Lending.

If you own shares of Bank Of America,  sell them and invest elsewhere.

If you plan on buying a home, do not get your mortgage from Bank Of America.

If you have a credit card with Bank Of America, transfer your balance to another card or pay it off.

 

All that is necessary for evil to triumph is for good men to do nothing -Edmund Burke

 

Do your part, take action NOW and contact us to refinance your Bank Of America VA Mortgage!

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VA Home Loans Updates , , ,

Today’s National VA Jumbo Mortgage Rates for May 6th, 2011

May 6, 2011 No comments

Today’s National VA Jumbo Mortgage Rates for May 6th, 2011

*Please note that National VA Jumbo Mortgage Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Jumbo Mortgage Rates!*

*All National VA Jumbo Mortgage Rates posted are based on 30 day locks. *

*Rates are based on a $700,000 loan amount.*

*Please note that the National VA Jumbo Mortgage Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.


VA 30 year fixed Credit Score 640-659 Rate APR
with 1.871      points 4.375% 4.745%
with 1 point 4.50% 4.794%
with 0 points Credit of $2,074  Towards  closing costs 4.75% 4.932%
VA 30 year fixed Credit Score 660-679 Rate APR
with 1.963 points 4.250% 4.626%
with 1.625 point 4.375% 4.723%
with .770 points 4.50% 4.774%
VA 30 year fixed Credit Score 680-699 Rate APR
with 1.963 points 4.250% 4.626%
with 1.625 point 4.375% 4.723%
with .770 points 4.50% 4.774%
VA 30 year fixed Credit Score       700-740
 Rate APR
with 1.838 points 4.250% 4.615%
with 1.496 points 4.375% 4.712%
with .645 points 4.50% 4.763%

 

 

 

 

 

The VA Hybrid ARM Rates are based on

rate adjustment caps of 1/1/5 and a margin 1.75%


 

 

VA 5/1 Hybrid ARM Credit Score 620-639 Rate APR
with 2 points 3.750% 2.906%
with 1 point 4.250% 3.053%
with 0 points 4.625% 3.155%
VA 5/1 Hybrid ARM Credit Score 640-659 Rate APR
with 2 points 3.00% 2.588%
with 1 point 3.250% 2.611%
with 0 points 3.625% 2.689%
VA 5/1 Hybrid ARM Credit Score 660-679 Rate APR
with 2 points 2.875% 2.543%
with 1 point 3.250% 2.611%
with 0 points 3.500% 2.636%
VA 5/1 Hybrid ARM Credit Score 680-699 Rate APR
with 2 points 2.750% 2.498%
with 1 point 3.250% 2.611%
with 0 points 3.375% 2.584%
VA 5/1 Hybrid ARM Credit Score      700-740
 Rate APR
with 2 points 2.750% 2.498%
with 1 point 3.125% 2.558%
with .5 points 3.250% 2.532%

 

 

Compare Today’s National VA Jumbo Mortgage Rates with Today’s USDA Rates and Today’s FHA Rates.

Click below for your free customized quote.

 


 

 



Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $700,000 loan amount and 30 day rate locks.

Today’s National VA Jumbo Mortgage Rates , ,

Today’s National VA Rates for May 5th, 2011

May 5, 2011 No comments

Today’s National VA Rates for May 5th, 2011

*Please note that National VA Rates are subject to change, sometimes several times per day.*

*We now have credit score tier specific National VA Rates!*

*All National VA Rates posted are based on 30 day locks. *

*Please note that the National VA Rates posted are subject to adjustments for the following criteria*

1) Loans under $100,000.00.

2) State specific adjustments.


VA 30 year fixed Credit Score 620-639 Rate APR
with 2 points 4.750% 4.930%
with 1 point 4.875% 5.029%
with 0 points 5.125% 5.191%
VA 30 year fixed Credit Score 640-659 Rate APR
with 1.579 points 4.250% 4.467%
with 1.127 points 4.375% 4.554%
with .391 point 4.50% 4.616%
VA 30 year fixed Credit Score 660-679 Rate APR
with 1.329 points 4.250% 4.445%
with .877 point 4.375% 4.532%
with .141 point 4.50% 4.594%
VA 30 year fixed Credit Score 680-699 Rate APR
with 1.329 points 4.250% 4.445%
with .877 point 4.375% 4.532%
with .141 points 4.50% 4.594%
VA 30 year fixed Credit Score       700-740
 Rate APR
with 1.204 points 4.250% 4.434%
with .752 point 4.375% 4.521%
with .016 points 4.50% 4.583%

 

 


VA 15 year fixed Credit Score 620-639 Rate APR
with 2 points N/A N/A
with 1 point 4.250% 4.512%
with 0 points 4.625% 4.737%
VA 15 year fixed Credit Score 640-659 Rate APR
with 2 points N/A N/A
with 0 points 4.000%
 4.260%
with 0 points Credit of $3,230 for Closing Costs 4.50% 4.949%
VA 15 year fixed Credit Score 660-679 Rate APR
with 1.515 points 3.75% 4.119%
with .983 point 3.875% 4.164%
with 0 points 4.00% 4.142%
VA 15 year fixed Credit Score 680-699 Rate APR
with 1.515 points 3.750% 4.160%
with .983 points 3.875% 4.164%
with 0 points 4.00% 4.124%
VA 15 year fixed Credit Score      700-740
 Rate APR
with 2.328 points 3.625% 4.116%
with 1.390 points 3.750% 4.100%
with .858 points 3.875% 4.148%

 

The VA Hybrid ARM Rates are based on

rate adjustment caps of 1/1/5 and a margin 1.75%


VA 3/1 Hybrid ARM
 Credit Score 620-639 Rate APR
with 2 points 4.375% 2.911%
with 1 point 4.875% 3.006%
with 0 points N/A N/A
VA 3/1 Hybrid ARM Credit Score 640-659 Rate APR
with 2 points 3.875% 2.766%
with 1 point 4.250% 2.772%
with 0 points 4.875% 2.922%
VA 3/1 Hybrid ARM Credit Score 660-679 Rate APR
with 2 points 3.625% 2.650%
with 1 point 4.125% 2.726%
with 0 points 4.750% 2.875%
VA 3/1 Hybrid ARM Credit Score 680-699 Rate APR
with 2 points 3.50% 2.612%
with 1 point 4.000% 2.683%
with 0 points 4.50% 2.783%
VA 3/1 Hybrid ARM Credit Score      700-740
 Rate APR
with 2 points 3.250% 2.537%
with 1 point 3.750% 2.607%
with .5 points 4.375% 2.737%

 

The VA Hybrid ARM Rates are based on

rate adjustment caps of 1/1/5 and a margin 1.75%

VA 5/1 Hybrid ARM Credit Score 620-639 Rate APR
with 2 points 3.750% 2.906%
with 1 point 4.250% 3.053%
with 0 points 4.625% 3.155%
VA 5/1 Hybrid ARM Credit Score 640-659 Rate APR
with 2.164 points 3.625% 2.832%
with .758 point 3.75% 2.769%
with 0 points 4.125% 2.875%
VA 5/1 Hybrid ARM Credit Score 660-679 Rate APR
with 2.184 points 3.50% 2.781%
with .508 point 3.750% 2.749%
with 0 points 4.00% 2.815%
VA 5/1 Hybrid ARM Credit Score 680-699 Rate APR
with 2.184 points 3.50% 2.781%
with .508 point 3.750% 2.749%
with 0 points 4.00% 2.815%
VA 5/1 Hybrid ARM Credit Score      700-740
 Rate APR
with 2.059 points 3.500% 2.770%
with 1.789 points 3.625% 2.801%
with .383 points 3.750% 2.739%

 

 

Compare Today’s National VA Rates with Today’s USDA Rates and Today’s FHA Rates.

Click below for your free customized quote.

 

You can also compare our rates posted above to those offered by Pentagon Federal Credit Union, please see the box below.


Here is the link to their rates: https://www.penfed.org/productsAndRates/mortgages/mortgageRatesListing.asp

VA Fixed Mortgage Loans

Fixed Rate Mortgages carry a 1% Origination Fee.

30-Year VA Fixed Loan
Rate Points APR
5.125 0.000 5.553
5.000 0.250 5.448
4.875 1.000 5.391
15-Year VA Fixed Loan
Rate Points APR
4.000 0.000 4.711
3.875 0.500 4.663
3.750 1.125 4.634

Pentagon Federal Credit Union Disclosures

Lenders Title Insurance: Close with our preferred title/settlement provider and PenFed will credit your loan the cost of Lenders Title Insurance at closing on 30 & 15 year fixed mortgages and all 5/5 ARM loans (VA loans are excluded). The applicant is responsible for the following fees and costs at the time of closing: Origination fee (Fixed rate loans, except 15-year jumbo), Title costs, recording fees, survey or pest inspection costs, escrow reserves and interest due until first payment, other cost may be included on a case-by-case basis. Escrow will only be waived at 75% LTV. If a loan is withdrawn, does not close, or the purchase contract is terminated, all third-party fees and costs incurred will become the responsibility of the applicant. Other terms and conditions for closing costs may apply, please contact a mortgage representative for details. Different terms and conditions may apply in Puerto Rico. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

All Fixed Rate Mortgages, except the 15-Year Jumbo, carry a 1% Origination Fee.

The maximum combined loan-to-value ratio (CLTV) for homes financed in the state of Florida is 70%.

All rates and offers are as of May 5, 2011 and subject to change without notice. To receive advertised product you must become a member of Pentagon Federal Credit Union (PenFed) by opening a share (savings) account.

*30-Year Fixed Rate Mortgage loan example: $300,000 at initial rate of 5.25% (5.340% APR), 360 monthly payments of approximately $1,656 each (principal and interest only). Rate includes 1% origination fee.


 

 



All rates are effective May 5th, 2011 and are subject to change without notice. Information provided is solely for use by licensed real estate agents, builders and consumer use but not for distribution. Rates and APR are accurate as of date shown above and subject to change without notice. *APR and rates are based on $200,000 loan amount and 30 day rate locks.

Today's VA Mortgage Rates , , , , , ,

Free Home Owner’s Insurance Quotes

May 4, 2011 4 comments

Free Home Owner’s Insurance Quotes!

Please contact Mike for your free home owner’s insurance quote in the following states CO, AZ, CA, FL, UT, MD, IL, NV, VA, WV, DE, PA and NJ

MIKE DI GIACOMO, AMERICAN HOME INSURANCE INC., 720-528-2232

 

COLORADO Insurance Agent MIKE DI GIACOMO Recognized by Progressive Insurance for Top Performance

DENVER, CO 2011 – Based on his history of providing excellent customer service and consistently meeting established sales goals,

Mike Di Giacomo, of AMERICAN HOME INSURANCE AGENCY INC. has been recognized by Progressive as a Preferred Signature Agent in the Progressive Preferred Program.

 

Preferred Signature Agents comprise the top one percent of the company’s 30,000 independent insurance

agents from across the country. These leading agents have consistently grown their businesses through

expert knowledge of the industry and a dedication to serving customers.  Mike Di Giacomo joins

this group as a top performer who constantly strives to match the specific needs of COLORADO drivers and home owner’s with a wide variety of products and services.

As a part of this group, Mike enjoys Signature AgentSM benefits including: special recognition, additional Progressive product offerings, and enhanced marketing support.

 

Unlike some agencies that only represent one insurance company, AMERICAN HOME INSURANCE AGENCY INC. is an independent agency offers products from different companies.

These products include: AUTO, BOAT, RV, MOTORCYCLE, HOMEOWNERS, RENTERS, UMBRELLA & LIFE INSURANCE from several carriers, including Progressive.

 

About AMERICAN HOME INSURANCE AGENCY INC.

AMERICAN HOME INSURANCE INC., in business since 1998, is located at 7505 E Harvard Ave, Denver, CO 80231 or online at www.americanhomeinsurance.com.

The experts at AMERICAN HOME INSURANCE INC. provide advice and personal service. For more information, call 720-528-2232 or send an email to Michael.digiacomo@mdch.com.

 

About Progressive

The Progressive Group of Insurance Companies, in business since 1937, is one of the country’s largest

auto insurance groups, the largest seller of motorcycle, and a market leader in commercial auto insurance

based on premiums written. More than 30,000 independent agencies sell Progressive products including private passenger auto,

Progressive Commercial, Progressive Motorcycle, Progressive RV, etc. Progressive’s agency companies

make up a group that is the largest writer of auto insurance through independent agents and brokers in the

U.S., based on premiums written.

 

Please contact Mike for your free home owner’s insurance quote in the following states CO, AZ, CA, FL, UT, MD, IL, NV, VA, WV, DE, PA and NJ

 

Thanks!!!

Mike DiGiacomo

Insurance Specialist

American Home Insurance Agency, Inc.

7505 East Harvard Avenue

Denver, CO  80231

Office- (720) 528-2232

Toll-Free- (888) 325-8108 Ext 12-2232

Fax- (303) 488-4753

*- michael.digiacomo@mdch.com

http://www.richmondamerican.com

CO AZ CA FL UT MD IL NV VA WV DE PA NJ

Home Owner's Insurance , , , , , , , , , , ,
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