http://stateheroes.com/mortgage-discount Learn about mortgage loans : views & helpful hints. Mon, 13 Oct 2008 17:56:02 +0000 http://backend.userland.com/rss092 en After years of no qualifying loans and loans to individuals who didn't qualify, the marekts finally shook off those types of programs and returned to the basics of sound lending.  Unfortunately there are billions of dollars in mortgage loans that we as consumers will have to deal with.  Mortgage Architects ... http://stateheroes.com/mortgage-discount/?p=14 With the stock market losing ground, the bond market is improving which means interest rates should go lower. FHA and VA rates have been stable even after yesterday's pounding suffered by conventional interest rates. For good faith estimates in Florida and Tennessee call 866 8485911. Rates change every day and sometimes ... http://stateheroes.com/mortgage-discount/?p=13 Mortgage Architects continues to offer reduced closing costs to law enforcement, firefighters and EMT personnel. The State Heroes program has existed for over 5 years and we will continue to recognize the importance of the individuals who serve us daily by offering these reduced costs.  The lower costs apply to ... http://stateheroes.com/mortgage-discount/?p=12 Today interest rates dropped one half percent on the news that the Federal Government is taking control of FNMA and FHLMC. Along with the reduced closing costs we offer on the heroes mortgage program, this makes home financing much more affordable.  These interest rate reductions include FHA, VA and conventional ... http://stateheroes.com/mortgage-discount/?p=11 Once again I have encountered mortgage companies offering great below average mortgage rates that are short term buy downs. That means they advertise rates lower than everyone else but they usually adjust after 2 or 3 years. These are known as 2-1 buydowns or 3-2-1 buydowns. The end result is ... http://stateheroes.com/mortgage-discount/?p=10 Our reduced cost loans for law enforcement, firefighters and EMT personnel are now available in all 48 contiguous States. This includes conventional loans and VA mortgages. There are no discount points and no origination fees on these loans.  FHA mortgages are also included in Florida, Texas, New Mexico and Lousiana - still with ... http://stateheroes.com/mortgage-discount/?p=9 I looked at some interest rates today on line and it continues to anger me that nothing is done to these companies that advertise "teaser" rates to make the phones ring.  They must be good sales people to convince callers that interest rates went up so much overnight.  Caution continues to be ... http://stateheroes.com/mortgage-discount/?p=8 I have been closing loans for police officers since 2002 with reduced closing costs and interest rates.  We currently have 5 deputies as part time associates who have learned the mortgage business and are now closing mortgage loans with discounts for law enforcement.  I was given the status of honorary deputy in 2003 in recognition ... http://stateheroes.com/mortgage-discount/?p=7 Once again I am hearing about fixed rate mortgages in the 4.875% to 5.000% range for 30 year loans.  They don't exist.  After making several calls I discovered these quotes are for partial term buydowns which means the first year rate is 4.875% the second year rate is 5.875% and then the ... http://stateheroes.com/mortgage-discount/?p=6 It's offical - Mortgage Architects completed an agreement with a federally chartered bank that allows it's entities to close purchase and refinance loans within the 48 Contiguous states. We started the State Heroes program in 2003 and it's success propelled this agreement. The program has become so popular in Florida the propritor of Mortgage Architects was made an honorary deputy of the Orange ... http://stateheroes.com/mortgage-discount/?p=5