http://www.classifiedflyerads.com ClassifiedFlyerAds.com Feed http://www.classifiedflyerads.com/images/headerlogo.gif http://www.classifiedflyerads.com John Mattsson First Lenders Mortgage 6 Leonardville rd Middletown NJ 07748 US 732-275-1600 www.FirstLendersMortgage.com http://www.classifiedflyerads.com/images/logos/479891561john.jpg 9884 Stated loans are pretty much all gone. But we do have investors that will entertain Stated loans for self employed borrowers.Program is designed for SE borrowers with excellent credit and an established business(2 year minimum).The borrowers income MUST make sense.Copy of business license and/or letter from CPA required. Gift Funds are not permitted unless over and over minimum down payment of 25%. This is for NJ properties only. Single family residences and owner occupied properties. Call or email today before investor pulls this great program. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=82292 Stated Loans/Self Employed/Gre... financial 82292 http://www.classifiedflyerads.com/ad/rss/82292/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Hurry before these type loans are gone! Looking for a NO Income Verification type product? Can't show all your income? We still offer these type loan products to well qualified applicants. Must have "clean" credit, sufficient assets, and sufficient reserves. Self Employed OK LOANS UP TO 3 MILLION. Rates currently in the 6's depending on product. Call or email today to see if you qualify for this unique product. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=80233 No Income Verification Loans/N... financial 80233 http://www.classifiedflyerads.com/ad/rss/80233/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ If you are thinking about "short selling" your home, you have come to the right place.The number one reason why homeowners are unsuccessful selling their home (short sale) is because lack of information and guidance. Even most real estate agents do not know how to handle a short sale from the start.If you would like FREE assistance with the whole short sale experience, please do not hesitate to call or email for more information. We have many qualified experts to help you through the whole process and most times at NO COST to you. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=64207 Short Sale Assistance/New Jers... financial 64207 http://www.classifiedflyerads.com/ad/rss/64207/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ We offer Fixed Jumbo Rates LOWER than regular conventional pricing. We have even better pricing for LTV's under 60% for purchases and refinances. We have the lowest jumbo rates in the country. Choose from Interest only or fully amortized payments NO ESCROW required which means LOWER closing costs to you. We offer a FREE float down option for our customers. Once we lock you at these low rates, if rates come down during that time, we will automatically give that lower rate to you at no cost. Call or email today to receive a free no obligation price quote http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=64205 Super Jumbo loans/Rates in the... financial 64205 http://www.classifiedflyerads.com/ad/rss/64205/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ We offer Fixed Jumbo Rates LOWER than regular conventional pricing. We have even better pricing for LTV's under 60% for purchases and refinances. We have the lowest jumbo rates in the country. Choose from Interest only or fully amortized payments NO ESCROW required which means LOWER closing costs to you. We offer a FREE float down option for our customers. Once we lock you at these low rates, if rates come down during that time, we will automatically give that lower rate to you at no cost. Call or email today to receive a free no obligation price quote http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=64076 Lowest Jumbo Rates/Super Jumbo... financial 64076 http://www.classifiedflyerads.com/ad/rss/64076/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ NEW Bailout Government Program is not all that cracked up to be. If you are behind on your mortgage,going through a financial hardship, or can't afford your mortgage payments, a LOAN MODIFICATION might be your answer. BUT many homeowners are assuming this new government bailout program is what they need. Please take the time to read in detail how this program works and decide for yourself if you are happy with spending thousands upon thousands to refinance into this NEW FHA backed bailout program? Or would you rather pay a ONE TIME FEE and NOT hand over half your future equity to the government!!! Complex issues, such as divorce, death, sale of the house at a loss and conversion of the house into a vacation home are accounted for in the law. Forgiveness to allow refinancing into FHA A lot of people have fallen behind on their mortgage payments after the rates went up on their adjustablerate mortgages, or ARMs. And they can't refinance into fixedrate loans because their homes have lost value, and they owe more than their houses are worth. Soon to be a law, the housing rescue bill seeks to help these people get out of trouble. It encourages lenders to forgive some of their debt so they can refinance at lower amounts into mortgages insured by the Federal Housing Administration, or FHA. It works like this: The lender has to forgive all the debt above 90 percent of the home's current appraised value. If that leaves you scratching your head, here is a hypothetical example, using round numbers: Sometime before Jan. 1 this year, you bought a house for $125,000 and got an ARM for $110,000 after making a $15,000 down payment. But the house lost value. Now it's worth $100,000, based on an appraisal. Meanwhile, the ARM's rate went up and you can't afford the full payment every month. Under this law, the lender would forgive everything you owe above $90,000. Let's say that you owe $105,000 of that original $110,000 loan. The lender would forgive $15,000, and let you pay off the loan for $90,000. The lender would not be allowed to seek any of that $15,000 later. That allows you to find another lender who would underwrite a $90,000 mortgage to be insured by the FHA. That loan amount would include the upfront FHA insurance premium of roughly $2,700. Again, there is a catch. If you take refuge in this program, you'll have to share your homeprice appreciation with the FHA. If you sell the house (or refinance the loan) less than a year after refinancing into the FHA loan, the FHA gets all of the house price appreciation. The FHA's cut decreases over the next five years but never goes below 50 percent. What does this mean to the borrower? Take the example above. You refinanced when the house was appraised at $100,000. A little over two years later, you sell the house for $120,000. You split that $20,000 difference with the FHA. In this case, because it's between two and three years later, the FHA gets 80 percent. The FHA would get $16,000 and you would get $4,000. The equitysharing arrangement goes like this: If you refinance or sell less than a year after getting the FHA loan, the government gets 100 percent of the home price appreciation. If it's more than a year but less than two years, the FHA gets 90 percent. The FHA's cut then decreases by 10 percent until the fiveyear mark. Anytime after that, the FHA gets half of the appreciation, no matter how long you have the loan or own the house. This arrangement will encourage homeowners to keep their FHAinsured mortgages for at least five years, but to refinance before home prices zoom upward again. Working with home equity debt The government has been trying all year to encourage lenders to forgive debt so homeowners can refinance their loans for lesser amounts and remain in their houses. Lenders have been reluctant to forgive the debt. The FHArefinance plan is another way of encouraging debt forgiveness. Among the sticking points: Many homeowners have home equity lines of credit or home equity loans. In most cases, these lenders will lose that entire loan balance under the FHArefinance plan. The new law is low on specifics, but it gives the FHA permission to give second lienholders a cut of the home price appreciation proceeds that the FHA collects. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=64068 Loan Modifications/Hope For No... real-estate 64068 http://www.classifiedflyerads.com/ad/rss/64068/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Are you looking to sell your home but owe more than your house is worth? Not sure exactly what your house is worth? If you do have to short sell, what happens to the difference? Are you held responsible? Do you have questions about the Short Sale Selling process? Are you wondering if you have to "short sell" your home as your only option?. There is SO much more than just submitting a short sale package. Even the timing is critical and very important. Many listing agents are NOT qualified enough to handle a successful short sale to the end. Call or email today for a FREE No Obligation phone consultation. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=62843 Do You Qualify for a Short Sal... financial 62843 http://www.classifiedflyerads.com/ad/rss/62843/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Are you sure you want to give HALF your future equity to the government??? NEW Bailout Government Program is not all that cracked up to be. If you are behind on your mortgage,going through a financial hardship, or can't afford your mortgage payments, a LOAN MODIFICATION might be your answer. BUT many homeowners are assuming this new government bailout program is what they need. Please take the time to read in detail how this program works and decide for yourself if you are happy with spending thousands upon thousands to refinance into this NEW FHA backed bailout program? Or would you rather pay a ONE TIME FEE and NOT hand over half your future equity to the government!!! Complex issues, such as divorce, death, sale of the house at a loss and conversion of the house into a vacation home are accounted for in the law. Forgiveness to allow refinancing into FHA A lot of people have fallen behind on their mortgage payments after the rates went up on their adjustablerate mortgages, or ARMs. And they can't refinance into fixedrate loans because their homes have lost value, and they owe more than their houses are worth. Soon to be a law, the housing rescue bill seeks to help these people get out of trouble. It encourages lenders to forgive some of their debt so they can refinance at lower amounts into mortgages insured by the Federal Housing Administration, or FHA. It works like this: The lender has to forgive all the debt above 90 percent of the home's current appraised value. If that leaves you scratching your head, here is a hypothetical example, using round numbers: Sometime before Jan. 1 this year, you bought a house for $125,000 and got an ARM for $110,000 after making a $15,000 down payment. But the house lost value. Now it's worth $100,000, based on an appraisal. Meanwhile, the ARM's rate went up and you can't afford the full payment every month. Under this law, the lender would forgive everything you owe above $90,000. Let's say that you owe $105,000 of that original $110,000 loan. The lender would forgive $15,000, and let you pay off the loan for $90,000. The lender would not be allowed to seek any of that $15,000 later. That allows you to find another lender who would underwrite a $90,000 mortgage to be insured by the FHA. That loan amount would include the upfront FHA insurance premium of roughly $2,700. Again, there is a catch. If you take refuge in this program, you'll have to share your homeprice appreciation with the FHA. If you sell the house (or refinance the loan) less than a year after refinancing into the FHA loan, the FHA gets all of the house price appreciation. The FHA's cut decreases over the next five years but never goes below 50 percent. What does this mean to the borrower? Take the example above. You refinanced when the house was appraised at $100,000. A little over two years later, you sell the house for $120,000. You split that $20,000 difference with the FHA. In this case, because it's between two and three years later, the FHA gets 80 percent. The FHA would get $16,000 and you would get $4,000. The equitysharing arrangement goes like this: If you refinance or sell less than a year after getting the FHA loan, the government gets 100 percent of the home price appreciation. If it's more than a year but less than two years, the FHA gets 90 percent. The FHA's cut then decreases by 10 percent until the fiveyear mark. Anytime after that, the FHA gets half of the appreciation, no matter how long you have the loan or own the house. This arrangement will encourage homeowners to keep their FHAinsured mortgages for at least five years, but to refinance before home prices zoom upward again. Working with home equity debt The government has been trying all year to encourage lenders to forgive debt so homeowners can refinance their loans for lesser amounts and remain in their houses. Lenders have been reluctant to forgive the debt. The FHArefinance plan is another way of encouraging debt forgiveness. Among the sticking points: Many homeowners have home equity lines of credit or home equity loans. In most cases, these lenders will lose that entire loan balance under the FHArefinance plan. The new law is low on specifics, but it gives the FHA permission to give second lienholders a cut of the home price appreciation proceeds that the FHA collects. Call or email today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=62191 What is a Loan Modification?Do... financial 62191 http://www.classifiedflyerads.com/ad/rss/62191/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Are you sure you want to give HALF your future equity to the government??? NEW Bailout Government Program is not all that cracked up to be. If you are behind on your mortgage,going through a financial hardship, or can't afford your mortgage payments, a LOAN MODIFICATION might be your answer. BUT many homeowners are assuming this new government bailout program is what they need. Please take the time to read in detail how this program works and decide for yourself if you are happy with spending thousands upon thousands to refinance into this NEW FHA backed bailout program? Or would you rather pay a ONE TIME FEE and NOT hand over half your future equity to the government!!! Complex issues, such as divorce, death, sale of the house at a loss and conversion of the house into a vacation home are accounted for in the law. Forgiveness to allow refinancing into FHA A lot of people have fallen behind on their mortgage payments after the rates went up on their adjustablerate mortgages, or ARMs. And they can't refinance into fixedrate loans because their homes have lost value, and they owe more than their houses are worth. Soon to be a law, the housing rescue bill seeks to help these people get out of trouble. It encourages lenders to forgive some of their debt so they can refinance at lower amounts into mortgages insured by the Federal Housing Administration, or FHA. It works like this: The lender has to forgive all the debt above 90 percent of the home's current appraised value. If that leaves you scratching your head, here is a hypothetical example, using round numbers: Sometime before Jan. 1 this year, you bought a house for $125,000 and got an ARM for $110,000 after making a $15,000 down payment. But the house lost value. Now it's worth $100,000, based on an appraisal. Meanwhile, the ARM's rate went up and you can't afford the full payment every month. Under this law, the lender would forgive everything you owe above $90,000. Let's say that you owe $105,000 of that original $110,000 loan. The lender would forgive $15,000, and let you pay off the loan for $90,000. The lender would not be allowed to seek any of that $15,000 later. That allows you to find another lender who would underwrite a $90,000 mortgage to be insured by the FHA. That loan amount would include the upfront FHA insurance premium of roughly $2,700. Again, there is a catch. If you take refuge in this program, you'll have to share your homeprice appreciation with the FHA. If you sell the house (or refinance the loan) less than a year after refinancing into the FHA loan, the FHA gets all of the house price appreciation. The FHA's cut decreases over the next five years but never goes below 50 percent. What does this mean to the borrower? Take the example above. You refinanced when the house was appraised at $100,000. A little over two years later, you sell the house for $120,000. You split that $20,000 difference with the FHA. In this case, because it's between two and three years later, the FHA gets 80 percent. The FHA would get $16,000 and you would get $4,000. The equitysharing arrangement goes like this: If you refinance or sell less than a year after getting the FHA loan, the government gets 100 percent of the home price appreciation. If it's more than a year but less than two years, the FHA gets 90 percent. The FHA's cut then decreases by 10 percent until the fiveyear mark. Anytime after that, the FHA gets half of the appreciation, no matter how long you have the loan or own the house. This arrangement will encourage homeowners to keep their FHAinsured mortgages for at least five years, but to refinance before home prices zoom upward again. Working with home equity debt The government has been trying all year to encourage lenders to forgive debt so homeowners can refinance their loans for lesser amounts and remain in their houses. Lenders have been reluctant to forgive the debt. The FHArefinance plan is another way of encouraging debt forgiveness. Among the sticking points: Many homeowners have home equity lines of credit or home equity loans. In most cases, these lenders will lose that entire loan balance under the FHArefinance plan. The new law is low on specifics, but it gives the FHA permission to give second lienholders a cut of the home price appreciation proceeds that the FHA collects. Call or email today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=62190 Loan Modification Assistance/M... real-estate 62190 http://www.classifiedflyerads.com/ad/rss/62190/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Are you sure you want to give HALF your future equity to the government??? NEW Bailout Government Program is not all that cracked up to be. If you are behind on your mortgage,going through a financial hardship, or can't afford your mortgage payments, a LOAN MODIFICATION might be your answer. BUT many homeowners are assuming this new government bailout program is what they need. Please take the time to read in detail how this program works and decide for yourself if you are happy with spending thousands upon thousands to refinance into this NEW FHA backed bailout program? Or would you rather pay a ONE TIME FEE and NOT hand over half your future equity to the government!!! Complex issues, such as divorce, death, sale of the house at a loss and conversion of the house into a vacation home are accounted for in the law. Forgiveness to allow refinancing into FHA A lot of people have fallen behind on their mortgage payments after the rates went up on their adjustablerate mortgages, or ARMs. And they can't refinance into fixedrate loans because their homes have lost value, and they owe more than their houses are worth. Soon to be a law, the housing rescue bill seeks to help these people get out of trouble. It encourages lenders to forgive some of their debt so they can refinance at lower amounts into mortgages insured by the Federal Housing Administration, or FHA. It works like this: The lender has to forgive all the debt above 90 percent of the home's current appraised value. If that leaves you scratching your head, here is a hypothetical example, using round numbers: Sometime before Jan. 1 this year, you bought a house for $125,000 and got an ARM for $110,000 after making a $15,000 down payment. But the house lost value. Now it's worth $100,000, based on an appraisal. Meanwhile, the ARM's rate went up and you can't afford the full payment every month. Under this law, the lender would forgive everything you owe above $90,000. Let's say that you owe $105,000 of that original $110,000 loan. The lender would forgive $15,000, and let you pay off the loan for $90,000. The lender would not be allowed to seek any of that $15,000 later. That allows you to find another lender who would underwrite a $90,000 mortgage to be insured by the FHA. That loan amount would include the upfront FHA insurance premium of roughly $2,700. Again, there is a catch. If you take refuge in this program, you'll have to share your homeprice appreciation with the FHA. If you sell the house (or refinance the loan) less than a year after refinancing into the FHA loan, the FHA gets all of the house price appreciation. The FHA's cut decreases over the next five years but never goes below 50 percent. What does this mean to the borrower? Take the example above. You refinanced when the house was appraised at $100,000. A little over two years later, you sell the house for $120,000. You split that $20,000 difference with the FHA. In this case, because it's between two and three years later, the FHA gets 80 percent. The FHA would get $16,000 and you would get $4,000. The equitysharing arrangement goes like this: If you refinance or sell less than a year after getting the FHA loan, the government gets 100 percent of the home price appreciation. If it's more than a year but less than two years, the FHA gets 90 percent. The FHA's cut then decreases by 10 percent until the fiveyear mark. Anytime after that, the FHA gets half of the appreciation, no matter how long you have the loan or own the house. This arrangement will encourage homeowners to keep their FHAinsured mortgages for at least five years, but to refinance before home prices zoom upward again. Working with home equity debt The government has been trying all year to encourage lenders to forgive debt so homeowners can refinance their loans for lesser amounts and remain in their houses. Lenders have been reluctant to forgive the debt. The FHArefinance plan is another way of encouraging debt forgiveness. Among the sticking points: Many homeowners have home equity lines of credit or home equity loans. In most cases, these lenders will lose that entire loan balance under the FHArefinance plan. The new law is low on specifics, but it gives the FHA permission to give second lienholders a cut of the home price appreciation proceeds that the FHA collects. Call or email today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=62189 Loan Modifications/Foreclosure... real-estate 62189 http://www.classifiedflyerads.com/ad/rss/62189/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ We offer Fixed Jumbo Rates LOWER than regular conventional pricing. We have even better pricing for LTV's under 60% for purchases and refinances. We have the lowest jumbo rates in the country. Choose from Interest only or fully amortized payments NO ESCROW required which means LOWER closing costs to you. We offer a FREE float down option for our customers. Once we lock you at these low rates, if rates come down during that time, we will automatically give that lower rate to you at no cost. Call or email today to receive a free no obligation price quote. New Jersey Properties ONLY.. Must be primary residence and single family homes. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=61394 Super Jumbo Loans/No Income Ve... financial 61394 http://www.classifiedflyerads.com/ad/rss/61394/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Do you have questions about the Short Sale Selling process? Are you wondering if you have to "short sell" your home as your only option? We work with professional agents/lenders that specialize in short sales. There is SO much more than just submitting a short sale package. Even the timing is critical and very important. Many listing agents are NOT qualified enough to handle a successful short sale to the end. Call or email today for a FREE No Obligation phone consultation. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=56112 Short Sale NJ Real Estate Agen... financial 56112 http://www.classifiedflyerads.com/ad/rss/56112/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Jumbo Loans with a twist! Most jumbo investors want your down payment and Asset information verified and sourced! Well not us. We don't care where your down payment comes from. No Asset or reserve requirements also. Our rates are often in the 5's. Free 60 day lock on purchases and all loans come with a FREE Float down option. If rates go down before you close, you will receive that lower rate at closing. Call or Email today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=54319 Jumbo Loans/New Jersey Lender/... financial 54319 http://www.classifiedflyerads.com/ad/rss/54319/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ NEW Government Programs Now Available for struggling homeowners! FHA has released various loan programs to help first time homebuyers,struggling homeowners with high interest rates, little to no equity in their home. Interest rates are VERY favorable too. If you are looking to purchase a home, refinance out of a high interest loan or an adjustable loan, please call or email us to find out what your options are. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=53755 FHA Loans/New Government Progr... financial 53755 http://www.classifiedflyerads.com/ad/rss/53755/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ We are offering a No Closing Cost fixed option currently at 6.5% up to 3 million!!. This rate is your normal conventional pricing WITH Closing costs. Limited Time Only. NO App Fees,NO Credit Reporting Fees,NO Underwriting Fee,NO Processing Fee,NO recording Fees,NO Tax Service Fee,NO Commitment Fees,NO Origination Fees,NO Points. Call or email today to take advantage of this limited time promotion! http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=50139 NO Closing Cost Mortgages,New ... financial 50139 http://www.classifiedflyerads.com/ad/rss/50139/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Are you looking for that competitive edge in todays market? Take advantage of a complete real estate marketing system for real estate agents. FREE Customer support 7 days a week. Take a look below to see examples of my marketing system.Ask about our UNLIMITED property website option!! Call or email today for more information. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=48416 Single Property Websites for ... real-estate 48416 http://www.classifiedflyerads.com/ad/rss/48416/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Every week it seems more and more lenders are eliminating these types loans. We still have NO DOC Loans(LTV up to 55%),loans UP TO 3 Million. We still offer stated programs(with credit scores 700 and higher, LTV up to 70%).For Stated products you MUST be able to Verify Assets. WE HAVE GREAT RATES ON NO INCOME VERIFICATION LOANS WITH CREDIT SCORES ABOVE 700. RATES IN THE 6's. Call today to see if we can fit you into these programs before they are ALL eliminated!! http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=48306 No Income Verification Loan Pr... financial 48306 http://www.classifiedflyerads.com/ad/rss/48306/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ NORMALLY $99.95.. LIMITED TIME ONLY. 70% off regular Price.Complete For Sale By Owner marketing system. Everything you need to market your home professionally. Buyers LOVE Pictures. You can upload UNLIMITED photos of your home. You will be able to "login" to your property website and have complete control of your marketing. Take a look BELOW for SAMPLE LINKS of the FSBO property website,sample Craigslist and Backpage postings, and virtual tour. You will not find a better FSBO marketing program for the price!!! Call or email today to get started. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=44385 For Sale By Owner(FSBO) Market... financial 44385 http://www.classifiedflyerads.com/ad/rss/44385/ Wed, 03 Dec 2008 15:11:14 PST Middletown, Here are some of the many benefits that people receive through a Reverse Mortgage program. Able to Maintain Your Lifestyle and Financial Independence! Comfort knowing you are secure and not a burden on your family. Remain living in your home for as long as you wish! No restrictions on how you use the money you receive. No monthly mortgage payments! You retain full ownership of your home. Proceeds are Tax Free and may be received in flexible ways. Backed by the U.S. Government or Major Financial Institutions. No affect on Social Security or Medicare. Home improvements and modifications. Able to purchase gifts for grandchildren and family. Travel and vacations. Purchase a new car! Able to fund educational needs for your family. Purchase a new home or vacation property. Obtain Health and Long Term Care Insurance. Consolidate, reduce, and pay off debts. Easy to qualify you and any coborrower must be at least 62 years of age, own your home, and occupy the home as your primary residence. There are NO income or credit qualifications. Call or email today for more information http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=44382 Reverse Mortgages,New Jersey L... financial 44382 http://www.classifiedflyerads.com/ad/rss/44382/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ No Income Verification Loans are getting harder and harder to find. We offer No Income Verification loans with Rates as low as 6.00% UP to $750,000 for LTV's up to 70%.FREE 90 day locks. These rates are LOWER than regular conventional pricing at this time. Take advantage of this program FOR A LIMITED TIME! For Qualified applicants only! 6 months reserves required and proof of assets. Minimum credit score of 700. Call or email today before our investor pulls this awesome program. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=44379 No Income Verification Loans,P... financial 44379 http://www.classifiedflyerads.com/ad/rss/44379/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Did you know that there are MANY Firsttime hombuyer programs NOT advertised? NEW Government loan programs now available. Ask about our 100% financing options. Special FHA and Community homebuyer programs available to borrowers who fit into the low to moderate income range. GREAT rates and easier to qualify!! We will even help negotiate closing costs on your behalf if needed. Call or email today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=42689 First Time Homebuyer Loan Prog... financial 42689 http://www.classifiedflyerads.com/ad/rss/42689/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ UPDATE:Act Now before the new Congress Bill eliminates many of these programs! Call Today. Can't find any No Income Verification Loan programs anywhere? Well we have them available for those who qualify.We still have NO DOC loans for qualified individuals. Minimum credit score of 700. LTV's up to 55%.Purchase or Refinances.Self employed OK.For Stated loans, you must be able to verify Assets and have reserves. Call or email for more details http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=42306 No Income Verification Loans, ... financial 42306 http://www.classifiedflyerads.com/ad/rss/42306/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ FHA Fixed Rates as low as 4.50%.Ask about our 30 year fixed FHA program starting at 4.75%. We just rolled out our NO closing cost FHA option. Call or email today to find out if you qualify!! http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=42089 FHA Mortgage Loans/FHA Secure/... financial 42089 http://www.classifiedflyerads.com/ad/rss/42089/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ The perfect 30 year Fixed Rate product is here. If you are looking to pay off your mortgage earlier,like to pay extra towards principal,and have your 30 year fixed mortgage REAMORTIZE at your request, this is the loan for you. NO OTHER 30 YEAR Fixed mortgage works like this. Save thousands in interest, no need to go through an expensive refinance down the road to lower your monthly mortgage payment. Call today to see if you qualify http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=41709 Lowest 30 Year Fixed Mortgage ... financial 41709 http://www.classifiedflyerads.com/ad/rss/41709/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Looking For Hard Money.. up to 50 Million.Commercial,Residential, you name it! We guarantee the largest variety of mortgage products and the lowest rates. We keep our overhead low and pass the savings on to you. If you are in foreclosure and have 35% or more equity. WE CAN HELP! If you have A+ credit and are looking for the best rates and products. WE CAN HELP! If your are looking for First Time HomeBuyer or refinance Discounts. WE CAN HELP! If you are in need of financing from $50K TO $50 MILLION. WE CAN HELP! CONSTRUCTION, COMMERCIAL, FHA ..........you name it! Fast, Easy process with World Class Service that is second to none! http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=41608 Hard Money,Commercial, Lender ... financial 41608 http://www.classifiedflyerads.com/ad/rss/41608/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Whether you are looking for Hard Money, foreclosure bailout, Commercial, you have come to the right place. No deal is too big or too small REFINANCE PROGRAM Under 500 Credit Scores NO PROBLEM!!! Past or Present Bankruptcy NO PROBLEM!!! Past or Present Foreclosure Bailouts NO PROBLEM!!! Collections Can Stay Open NO PROBLEM!!! Gifts Of Equity NO PROBLEM!!! PROGRAM GUIDELINES LTV 65% No Income. No Asset, LTV 70% Stated Income, Stated Asset, LTV 75% Full Doc Program,(3 Months Reserves) BONUS: FOR A LIMITED TIME ONLY!!! FREE CREDIT REPAIR SERVICES WITH EVERY LOAN!! http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=41380 Hard Money,Foreclosure Bailout... financial 41380 http://www.classifiedflyerads.com/ad/rss/41380/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ You do have Options! FREE No Obligation Consultation/Analysis provided to you.Results in as little as 4 weeks!. If you are behind on your mortgage,can't refinance,going through financial hardship,have bad credit,No equity in home,owe more than your home is worth,have an adjustable rate mortgage,can't afford your payments, we can help! Having the feeling that there are no options is devestating. Call or email me today and I will be more than happy to go over your whole scenario and do whatever I can to help you find a solution. Please visit my website for more information http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40762 Loan Modification Programs/Ass... financial 40762 http://www.classifiedflyerads.com/ad/rss/40762/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ How do you know if you will actually qualify for a loan modification with your mortgage lender? Did you know many lenders will tell you that they do not offer loan modifications because they know the average homeowner does not know how to properly submit a package proposal. Or even if you are NOT late on your mortgage, loan modifications can be completed. They will always listen to an attorney backed company that specializes in loan modifications much more than a homeowner. Did you know that most mortgage disclosures( the documents you signed when you received your loan)often have errors/violations contained in the package? If a forensic audit is performed and there are violations found, lenders are required to modify your loan. If you are wondering if you would qualify for a loan modification, please visit my website below and fill out the contact or apply now form and I will provide you a FREE no strings attached analysis of your current situation. Mention this ad and receive $300 off our already low fees. WE WORK WITH AN ATTORNEY BACKED COMPANY,WE OFFER A 100% MONEY BACK GUARANTEE AND THE LOWEST FEES!! CALL OR EMAIL TODAY http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40761 How to Qualify for a Loan Modi... financial 40761 http://www.classifiedflyerads.com/ad/rss/40761/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Are you sure you want to give HALF your future equity to the government??? NEW Bailout Government Program is not all that cracked up to be. If you are behind on your mortgage,going through a financial hardship, or can't afford your mortgage payments, a LOAN MODIFICATION might be your answer. BUT many homeowners are assuming this new government bailout program is what they need. Please take the time to read in detail how this program works and decide for yourself if you are happy with spending thousands upon thousands to refinance into this NEW FHA backed bailout program? Or would you rather pay a ONE TIME FEE and NOT hand over half your future equity to the government!!! Complex issues, such as divorce, death, sale of the house at a loss and conversion of the house into a vacation home are accounted for in the law. Forgiveness to allow refinancing into FHA A lot of people have fallen behind on their mortgage payments after the rates went up on their adjustablerate mortgages, or ARMs. And they can't refinance into fixedrate loans because their homes have lost value, and they owe more than their houses are worth. Soon to be a law, the housing rescue bill seeks to help these people get out of trouble. It encourages lenders to forgive some of their debt so they can refinance at lower amounts into mortgages insured by the Federal Housing Administration, or FHA. It works like this: The lender has to forgive all the debt above 90 percent of the home's current appraised value. If that leaves you scratching your head, here is a hypothetical example, using round numbers: Sometime before Jan. 1 this year, you bought a house for $125,000 and got an ARM for $110,000 after making a $15,000 down payment. But the house lost value. Now it's worth $100,000, based on an appraisal. Meanwhile, the ARM's rate went up and you can't afford the full payment every month. Under this law, the lender would forgive everything you owe above $90,000. Let's say that you owe $105,000 of that original $110,000 loan. The lender would forgive $15,000, and let you pay off the loan for $90,000. The lender would not be allowed to seek any of that $15,000 later. That allows you to find another lender who would underwrite a $90,000 mortgage to be insured by the FHA. That loan amount would include the upfront FHA insurance premium of roughly $2,700. Again, there is a catch. If you take refuge in this program, you'll have to share your homeprice appreciation with the FHA. If you sell the house (or refinance the loan) less than a year after refinancing into the FHA loan, the FHA gets all of the house price appreciation. The FHA's cut decreases over the next five years but never goes below 50 percent. What does this mean to the borrower? Take the example above. You refinanced when the house was appraised at $100,000. A little over two years later, you sell the house for $120,000. You split that $20,000 difference with the FHA. In this case, because it's between two and three years later, the FHA gets 80 percent. The FHA would get $16,000 and you would get $4,000. The equitysharing arrangement goes like this: If you refinance or sell less than a year after getting the FHA loan, the government gets 100 percent of the home price appreciation. If it's more than a year but less than two years, the FHA gets 90 percent. The FHA's cut then decreases by 10 percent until the fiveyear mark. Anytime after that, the FHA gets half of the appreciation, no matter how long you have the loan or own the house. This arrangement will encourage homeowners to keep their FHAinsured mortgages for at least five years, but to refinance before home prices zoom upward again. Working with home equity debt The government has been trying all year to encourage lenders to forgive debt so homeowners can refinance their loans for lesser amounts and remain in their houses. Lenders have been reluctant to forgive the debt. The FHArefinance plan is another way of encouraging debt forgiveness. Among the sticking points: Many homeowners have home equity lines of credit or home equity loans. In most cases, these lenders will lose that entire loan balance under the FHArefinance plan. The new law is low on specifics, but it gives the FHA permission to give second lienholders a cut of the home price appreciation proceeds that the FHA collects. Call or email today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40750 Loan Modification Programs/Sto... financial 40750 http://www.classifiedflyerads.com/ad/rss/40750/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ UPDATE: The new Bailout government program is to bail out the banks, NOT homeowners. There is a lot of misconception out there about loan modifications. Are you wondering if you qualify for a loan modification? The good news is that lenders are more cooperating today because of all the foreclosures and loans going bad. Some people think that they may not be entitled to a loan modification. Also a misconception is that you MUST be behind on your mortgage. That is not true. If you would like to see if you would qualify, send me an email and I will email you a short form and you will get a much better idea if your current situation can be helped. WE WORK WITH AN ATTORNEY BACKED COMPANY,WE OFFER A 100% MONEY BACK GUARANTEE AND THE LOWEST FEES!! CALL OR EMAIL TODAY http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40718 Mortgage Modification/Stop For... financial 40718 http://www.classifiedflyerads.com/ad/rss/40718/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ You do have Options! FREE No Obligation Consultation/Analysis provided to you.Results in as little as 3 weeks!. If you are behind on your mortgage,can't refinance,going through financial hardship,have bad credit,No equity in home,owe more than your home is worth,have an adjustable rate mortgage,can't afford your payments, we can help! Having the feeling that there are no options is devestating. Call or email me today and I will be more than happy to go over your whole scenario and do whatever I can to help you find a solution. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40712 Foreclosure/Short Sale Assista... financial 40712 http://www.classifiedflyerads.com/ad/rss/40712/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Are you wondering if you qualify for a loan modification? The good news is that lenders are more cooperating today because of all the foreclosures and loans going bad. Some people think that they may not be entitled to a loan modification. Also a misconception is that you MUST be behind on your mortgage. That is not true. If you would like to see if you would qualify, send me an email and I will email you a short form and you will get a much better idea if your current situation can be helped. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40711 Lower Your Mortgage Payment/Lo... financial 40711 http://www.classifiedflyerads.com/ad/rss/40711/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ You do have Options! FREE No Obligation Consultation/Analysis provided to you.Results in as little as 3 weeks!. If you are behind on your mortgage,can't refinance,going through financial hardship,have bad credit,No equity in home,owe more than your home is worth,have an adjustable rate mortgage,can't afford your payments, we can help! Having the feeling that there are no options is devestating. Call or email me today and I will be more than happy to go over your whole scenario and do whatever I can to help you find a solution. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40710 Cant Qualify for a Refinance? ... financial 40710 http://www.classifiedflyerads.com/ad/rss/40710/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ The perfect 30 year Fixed Rate product is here. If you are looking to pay off your mortgage earlier,like to pay extra towards principal,and have your 30 year fixed mortgage REAMORTIZE at your request, this is the loan for you. NO OTHER 30 YEAR Fixed mortgage works like this. Save thousands in interest, no need to go through an expensive refinance down the road to lower your monthly mortgage payment. Call today to see if you qualify http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40709 30 Year Fixed Rate Mortgage th... financial 40709 http://www.classifiedflyerads.com/ad/rss/40709/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ You do have Options! FREE No Obligation Consultation/Analysis provided to you.Results in as little as 3 weeks!. If you are behind on your mortgage,can't refinance,going through financial hardship,have bad credit,No equity in home,owe more than your home is worth,have an adjustable rate mortgage,can't afford your payments, we can help! Having the feeling that there are no options is devestating. Call or email me today and I will be more than happy to go over your whole scenario and do whatever I can to help you find a solution. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40708 Short Sale/Loan Modification A... financial 40708 http://www.classifiedflyerads.com/ad/rss/40708/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ You do have Options! FREE No Obligation Consultation/Analysis provided to you.Results in as little as 3 weeks!. If you are behind on your mortgage,can't refinance,going through financial hardship,have bad credit,No equity in home,owe more than your home is worth,have an adjustable rate mortgage,can't afford your payments, we can help! Having the feeling that there are no options is devestating. Call or email me today and I will be more than happy to go over your whole scenario and do whatever I can to help you find a solution. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40707 Stop Foreclosure Now!/Loan Mod... financial 40707 http://www.classifiedflyerads.com/ad/rss/40707/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Attention commercial property owners: We are CDC direct for the best SBA pricing in the country. Our rate is under 6.50% FIXED!!! Our financing can be used for the following: REFINANCE PURCHASE CONSTRUCTION/ RENOVATIONS MAY ALSO INCLUDE EQUIPMENT & WORKING CAPITAL http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40706 Commercial Financing, Lenders,... financial 40706 http://www.classifiedflyerads.com/ad/rss/40706/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Are you wondering if you qualify for a loan modification? The good news is that lenders are more cooperating today because of all the foreclosures and loans going bad. Some people think that they may not be entitled to a loan modification. Also a misconception is that you MUST be behind on your mortgage. That is not true. If you would like to see if you would qualify, send me an email and I will email you a short form and you will get a much better idea if your current situation can be helped. http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=40702 Loan Modification/Loss Mitigat... financial 40702 http://www.classifiedflyerads.com/ad/rss/40702/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Jumbo Loans with a twist! Most jumbo investors want your down payment and Asset information verified and sourced! Well not us. We don't care where your down payment comes from. No Asset or reserve requirements also. Our rates are often in the 5's. Free 60 day lock on purchases and all loans come with a FREE Float down option. If rates go down before you close, you will receive that lower rate at closing. Call or Email today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=39706 New Jersey Jumbo Mortgage(Lend... financial 39706 http://www.classifiedflyerads.com/ad/rss/39706/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Jumbo Loans with a twist! Most jumbo investors want your down payment and Asset information verified and sourced! Well not us. We don't care where your down payment comes from. No Asset or reserve requirements also. Our rates are often in the 5's. Free 60 day lock on purchases and all loans come with a FREE Float down option. If rates go down before you close, you will receive that lower rate at closing. Call or Email today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=39704 Super Jumbo Loans/New Jersey L... financial 39704 http://www.classifiedflyerads.com/ad/rss/39704/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ NO DOC Loans and Stated Loans are all but a thing of the past. But we still have some investors that will entertain these type loans on a case by case basis.. Credit scores 700 and higher. LTV up to 65%.You must be able to verify assets and have 6 months reserves. call or email for more information.UPDATE:IF YOU HAVE CREDIT SCORES ABOVE 700, WE NOW OFFER "NO INCOME VERIFICATION" LOANS ( UP TO $3 MILLION WITH RATES in the 6's. CALL OR EMAIL FOR MORE INFORMATION http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=39691 NO DOC/No Income Verification ... financial 39691 http://www.classifiedflyerads.com/ad/rss/39691/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ Better Hurry!! The NEW Housing bill that was just passed will make it a bit harder for buyers to obtain FHA financing. Down payment requirement is going from 3% to 3.5%. Down payment assistance programs are being eliminated. Credit guidelines are getting stricter. Now is the time to get approved for FHA before the changes take effect. Call Today http://www.classifiedflyerads.com/flyer_details.php?directory=rss&flyer_id=39638 FHA Loans,Mortgages,Lender,New... financial 39638 http://www.classifiedflyerads.com/ad/rss/39638/ Wed, 03 Dec 2008 15:11:14 PST Middletown, NJ