® December, 2009 Sfgjobodf!boe!Tbwf ny homeowner with an a home loan at today’s you how a new mort- A adjustable-rate mortgage which will reset soon should rates. Additionally, you’ll have peace of mind gage would work ny in your situation. consider reﬁnancing at today’s knowing that your rates Ad Additionally, low rates. You should stay with won’t go up while you’re review your credit I’ll rev your current loan only if you’re cer- living there. with report w you and tain you’ll move before the payment t suggest ways to increase your score. on your adjustable mortgage goes up. FIT YOUR PLANS But it’s important to concontact me Mortgage rates are now o If you anticipate moving due to a nce know soon, since we don’t kn how around the lowest levels r job change, retirement, or need for today y’s long today’s great r rates will seen in several decades. n year a larger home within ﬁve years, you u available! be available! By looking at your future y nanci can save more by reﬁnancing plans, we can select a w adju table mortgag into a new adjustable mortgage mortgage which suits your yments which with payments w ich won’t needs today. yea change for ﬁve years. Many owners prefer 30- omeowners pr fer pay Homeowners who prefer to pa year mortgages — and off their loan quickly can opt for a uying a new car their rates recently were 1.2 percent lower than they r y 5-year 15-year mortgage. Rates on those loans recently f to the lowest fell ns B was the best way for young adults to im- were a year ago! Reﬁnan nancing levels ever recorded, states lev ls re press their friends at the t $1 now would let you save $189 eac ach age rtgage investor Freddie Mac. mortga i beginning of this decade. month on a $250,000 home loan an. Reﬁnancing can provide savings Re But owning a new cell phone You’ll gain low payments by n for homeowners in different circum- is more of a popularity purchasing or reﬁnancing with r stances today. I’ll be happy to show booster now for Americans aged 16 to 29, reports CNW Market- Happy Holidays! ing Research. mericans are focusing on family and Since they A friends this holiday season more than in previous years, a recent survey reveals. carry their phones every- About 40 percent of us expect “to spend more where, friends family time at home this year compared are sure to see to last year,” says The Harris Poll. which model they have. Yet cell phones also have monthly It’s natural that our priorities should center on our homes, service fees which otherwise and being with those who are closest could go towards car payments. to us now. Owning a home provides a stable base for building the life Car manufacturers are ﬁnding you want. brand loyalty has evaporated, as well. Four out of ﬁve Americans Contact me if you — or someone chose the same carmaker when you care about — is thinking about purchasing in the 1980’s, reports buying or reﬁnancing a home. The New York Times. But I’ll help you obtain affordable only one in ﬁve car buyers payments, so you can enjoy special stayed with their current holiday times with friends and brand in 2009. family for years to come.
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