Wednesday, May 22, 2013

Lenders, Now Is the Time!

If your clients are looking to refinance or buy a home here are some tips to get them moving! My Rate Mailer helps lenders like you get your clients "moving" on their mortgage! My Rate Mailer uses online mortgage marketing to help lenders get the most out of this years housing boom. My Rate Mailer is the best way to gain a clients trust. Your mailer will help to close more loans by using constant and effective communication. With your mailer on the top of their inbox daily, your clients will be informed, and feel they are able to communicate with you openly. NOW is the time to buy, don't fall behind, make sure your clients know you are their go-to lender!

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Buyers, get moving

With rates near the bottom and home prices on the rise, it's still a perfect time to buy a house. If you can afford a home and qualify for a mortgage, this may be your last chance to take advantage of the market and own a home for less. To speed up the homebuying process, get a mortgage preapproval before you start shopping.

Ensure that your credit is golden

Credit standards remain tight. As new mortgage rules are unveiled in 2013, the standards are not expected to loosen. If you plan to get a mortgage anytime soon, you must treat your credit as one of your most valuable assets. Most lenders want to see a spotless credit history of at least a year on your credit report. You'll need a credit score of at least 720 to get the best rate. Borrowers with a credit score of 680 or more can still get a good deal, but the lower your score, the harder it will be to get approved.

Want to pay off your mortgage earlier?

If you are one of those homeowners who dream about being mortgage-free, the low-rate environment may be a good opportunity to refinance your 30-year mortgage into a 15- or 20-year loan. But make sure you can really afford the slightly higher payments on the shorter loan and that you have some money saved for emergencies.

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