The Process of Closing Mortgage Loans Just Got Faster
Atlanta, GA (PRWEB) April 26, 2010
Its a common situation with almost all homeowners when they need to refinance or purchase a home and theyre told that it will take a few weeks to get the loan processed and disbursed. Mortgage brokers and borrowers alike feel helpless especially when a lucrative deal just might fall apart. How they wish they could get the loan closed a bit faster Now thanks to a new company called 2hourtitle, borrowers can close unprecedentedly fast . They shrink turn times down to just two hours in Maryland, Georgia, and Florida.
2hourtitle.com is a new settlement solution that focuses on shortening the period of processing of loans, a practice which traditionally can take a month. It makes the whole affair of closing a real estate deal much easier and quicker for loan officers, borrowers and real estate agents. They turn the hectic and stressful process of home settlement into a smoother and hassle-free venture for all people concerned with it.
Most of the real estate agents are too busy with the dynamic market and dozens of clients flocking around them. They will probably not have ample time to look into your matter specifically and do the needful to make it a faster process. But when it is about a short time schedule, a minute of delay can cause great losses for any deal. Money is synonymous to time for all. So when borrowers have to wait for weeks to get a loan sorted out, everyone gets antsy. Thats how it works in this highly competitive industry.
Real estate is one of the fastest developing, most promising and extremely market-dependent sectors of all time. It is connected directly with the health of nations economy and thus, it fluctuates with the fitness graph of economy at any given point of time. So, even to get a good deal, borrowers need two things, money and time. In short, you have to invest your money at the right time, or you will lose it.
Lets say a homeowner needs an emergency loan, consequently they dont have that much time. Wouldnt it be good if they could get the title work done within two hours? Of course, it would be. And thats when borrowers need 2hourtitle.com. The company employs most proficient and experienced title agents to work out the real estate deals to which client satisfaction, fast service and polite communication are top priorities.
With all around-the-clock support, 2hourtitle.com promises to reduce the time of processing, increase the rate of closing and improve the efficiency of loan closings, within the record time of two hours. Moreover, to enhance the money value to their customers, they have started providing services even on the weekends, with almost immediate title research, processing and documentation.
They have collaborated with many underwriters to make it even faster. With a group of expert loan advisors, it will be a treat for any person who wants to close a loan. They have incorporated the fastest of technology in order to bring out the best loan settlement results within a day and not WEEKS. They claim to outperform any other contender with their proficient and prompt services which is further conformed by numerous high profile satisfied customers.
There are two things that 2hourtitle focuses upon. The first is the speed factor and second is the price factor. They make sure that the first one increases, while the second one decreases. So, anytime realtors, brokers, and borrowers want to close a loan, the first company that comes to their mind will be 2hourtitle.com.
About 2hourtitle.com
2hourtitle.com is a well-established loan settlement facilitation company run by industry experts, proffering their title research, processing, documentation, certification, verification and closing support to a wide range of clientele including loan officers, real estate investors, mortgage bankers, retail banks, credit unions, wholesalers, realtors and agents.
Contact Details
Name: Sabrina Lee, VP Public Relations
Telephone: 866.675.2450
Email Address: info(at)2hourtitle(dot)com
Website Address: http://www.2hourtitle.com
Countrywide Home Loans Offers Mortgage Refinancing Tips To Homeowners
Calabasas, CA (PRWEB) April 24, 2007
Countrywide Home Loans is offering mortgage refinancing insights to homeowners about how and when they may best capitalize on refinancing their existing mortgage, promoting informed decisions among borrowers. As the refi boom in recent years has illustrated, many homeowners recognized the benefits of refinancing when interest rates decreased–but it may be well worthwhile for them to consider refinancing in any market as a way to leverage their mortgage as a strong financial management tool. For a no-obligation, free home loan consultation, consumers may call 1-800-508-0751 or visit https://loans.countrywide.com/FTLP/WHNew/SEOP3/default.aspx?from=EN_10&afid=826&sourceid=EN_10;11428;3;120;;2;826;68512;375;CFSL;all;List1;Theme;Theme;1;2;04242007;SEOP1; [on-line.]
It's important for homeowners to recognize that they are not necessarily locked into their original home loan and that they may have a wealth of opportunities available to them when they strategically manage their mortgage, said Greg Lumsden, senior managing director and president of Countrywide Home Loans' Full Spectrum Lending Division. By factoring in some key considerations, homeowners eligible to refinance can maximize this opportunity and use it as a means to help them achieve personal and financial goals. Countrywide is committed to providing homeowners with the tools and information they need to fully take advantage of their home's financial potential.
In considering whether to refinance, homeowners should consider among other factors the:
- Length of time they plan to stay in their current home.
- Amount of equity they have accumulated in their home.
- Interest rate of their current mortgage as compared to a new loan's rate.
- Break-even point, i.e., how long it will take to recover the cost of refinancing. Countrywide offers an online Refinance Calculator to help homeowners evaluate their individual situation.
Homeowners opt to refinance for a variety of reasons. Here are a few of the most popular:
- Debt-consolidation–By accessing their home's available equity through a cash-out refinance, homeowners may be able to pay off non-tax-deductible debt, such as credit card balances or car loans, and take advantage of the deductibility of mortgage interest (borrowers should consult a tax advisor for details). Additionally, homeowners who have a first and second mortgage often choose to consolidate both loans to achieve monthly payment savings.
- Home improvements–A cash-out refinance can provide homeowners with the funds to upgrade their home, potentially increasing its value when they decide to sell. Some homeowners use the cash-out funds to increase their home's energy efficiency, which can not only save on monthly utility bills, but also increase the home's marketability.
- Fixed-payment stability–When interest rates threaten to rise, homeowners with adjustable rate mortgages (ARMs) often decide to refinance a mortgage to a fixed-rate for greater peace of mind.
- Short-term savings–For homeowners planning to move out of their home within a few years, switching from a fixed-rate mortgage to an ARM can make a lot of sense. In doing so, homeowners can take advantage of the lower initial interest rates of a new ARM to save on monthly payments in the short term.
- Equity boost–Homeowners can build equity faster by moving to a shorter-term mortgage. For example, refinancing a 30-year loan term to a new 15-year loan may mean higher monthly payments (depending on the current loan's rate), yet homeowners can reap the benefits of building equity more quickly and saving significantly in interest costs over the life of the loan.
For more ideas on when and why refinancing can work well in a variety of scenarios, homeowners can speak with a Countrywide home loan expert at 1-800-508-0751 or visit [on-line.
*About Countrywide Home Loans, Inc.
Countrywide Home Loans, Inc., a member of the Countrywide family – America's #1 home loan lender – (as ranked for 2006 by Inside Mortgage Finance, Feb. 2, 2007, Copyright 2007), originates, purchases, securitizes, sells and services home loans and is the primary subsidiary of Countrywide Financial Corporation (NYSE: CFC). Countrywide Financial Corporation, through its subsidiaries, provides mortgage banking and diversified financial services in domestic and international markets. Founded in 1969 and a member of the S&P 500 and Fortune 500, Countrywide Financial Corporation is headquartered in Calabasas, California and its family of companies has a workforce of more than 55,000 in over 900 offices across the country. http://www.countrywide.com
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The Top 10 Do's & Don'ts When Financing Or Refinancing Your Home
Seattle, WA (PRWEB) December 12, 2005
Because of slowing home financing and or refinancing the National Mortgage Complaint Center has just anounced its top 10 do's and don't for US consumers about to fiance or refinance their home as a guide on how to, or how not to get a mortgage/refinace your home. Accoring to Thomas Martin, President of the National Mortgage Complaint Center, mortgage lenders are seeing fewer customers and because of this, many mortgage lenders will use every trick in the book to over-charge or gouge with US homeowners when financing or refinancing their homes.
The Top 5 Do's Are:
1. Check out the mortgage lender you are about to do business with. Check with the local Better Business Bureau and check the rip-off report on line for any negative reports or postings about the lender.
2. Have the mortgage lender give you a quote to include interest rate and fees associated with the mortgage, before running your credit report.This will allow you to get a reasonable idea of interest rates and fees before actually making formal application. Borrower's should be honest with the lender about what they think their credit is. You should not allow the lender to obtain their credit report and should not pay any up-front fees for the quotes.
3. Once you make formal application for a mortgage (using the Federal 10-03 Application Form), inform the lender that they are required by Federal Law to provide a Truth in Lending Statement and a Good Faith Estimate within three business days of making application for the mortgage.
4. Once you get the Good Faith Estimate and Truth in Lending Statement, have the lender put in writing if they are getting a kick-back for increasing the homeowners interest rate over the best interest available also known as a Yield Spread Premium. According to Thomas Martin yield spread premiums are the number one source of over-charges in the mortgage industry and consumers need to understand that if the lender gets a yield spread kick-back, the borrower/consumer will end up with a higher monthly mortgage payment. The lender should also confirm that there will not be a pre-payment penalty associated with the mortgage. The homeowner should then require the lender to put these two items in writing via a formal letter or email. If the lender is unwilling to make these two disclosures, Thomas Martin strongly suggests the borrower find another mortgage lender.
5. Any one about to refinance or finance a home mortgage should have the National Mortgage Complaint Center review and inspect the mortgage documents before the closing of the mortgage transaction.This mortgage document review and inspection service includes a narrative report that details possible over charges and possible unjustifiable fees or interest rates. If any consumer wants the name of an honest mortgage lender doing business in their state or wants a mortgage document review, feel free to call 866-714-6466.
The Top 5 Don'ts Are:
1. Use a reputable local or reputable national mortgage firm. Do not use any firm associated with a slick TV ad that says something to the effect, let 3000 mortgage loan officers beat each other to death for your business. According to Martin, President of the National Mortgage Complaint Center, these middlemen frequently get huge fees for sending the borrower to the most expensive lenders, with the net result being, you end up paying more money.
2. Do not respond to internet mortgage companies or internet mortgage solicitations. According to Martin, I see nothing but trouble in dealing with anyone who you cannot see or you cannot check out. Martin says; some of the worst mortgage deals I have ever seen came from the internet or via internet solicitations.
3. If you are buying a new home from a Regional or National Homebuilder Do Not Use Their Mortgage Product. According to Thomas Martin; Regional or National Homebuilders gouge and over-charge millions of unsuspecting US homebuyers every year by offering phoney bonuses or other less than honest gimmicks to keep the mortgage transaction in-house. Martin explained; most home builders offering mortgage products are in fact mortgage bankers, and as such not required to discolse to the consumer that they are in most cases getting huge kick-backs for increasing the interest rate of the borrower over the best rates available (also known as yield spread premiums).
4. You should not allow yourself to be pressured or forced to close before they completely understand the mortgage, its fees and the specifics of their proposed mortgage.
5. Martin advises all consumers to stay away from any or all mortgage products that have a starting interest rate of 1% to 2%. According to Martin; these scam mortgage devices could be the un-doing of the entire mortgage market because most consumers do not understand that the rate will only stay at 1% or 2% for a month or two before the interest rate and monthly mortgage payment start going up. If you are on a fixed income and or barely qualify for a product like this; do not go through with the transaction because in a short time they may not be able to make their monthly mortgage payments. Martin also warned about negative amatorized mortgage products because; why not just pay rent, because thats all you are doing with this mortgage product.
Aside from the Top 10 consumer tips on home loans or mortgages Martin expressed the following great concern for the 2006 US Real Estate Market. 2006 will be a flat real estate market and or a real estate market that goes south (the real estate bubble) because of over-inflated home values that are not supported in their market. Martin cites as his number one cause for alarm; home appraisers who for years, have been forced by real estate agents, mortgage lenders or home builders to come-up with real estate appraisal vales that are not realistic or that are not based on reality. Martin calls this the train wreck, he has been predicting for over a year. The appraisers in many cases either have to come up with a make believe home value dictated by the real estate agent, the mortgage lender or the builder or the real estate agent, mortgage lender or home builder will find another real estate appraiser who will. Why call it an appraisal if the appraiser is forced to come up with a pre-ordained value, according to Martin the National Mortgage Complaint Center's President.
Any homeowner or consumer wishing to finance or refinance a home is welcome to contact the National Mortgage Complaint Center any time. Our web site is at Http://National Mortgage Complaint Center.Com/ and our toll free number is 866-714-6466. The National Mortgage Complaint Center is America's number one source for consumer mortgage inspections designed to save borrowers money before they close on a home loan. The National Mortgage Complaint Center also acts as a consultant to consumers wishing to learn more about honest mortgage lenders doing business in their state.
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Bank of America Offers Tips to Homeowners to Streamline the Modification Process
Calabasas, CA (PRWEB) December 4, 2009
In todays economic environment, many homeowners are struggling to keep up with their monthly mortgage payment. New and established homeownership retention and foreclosure prevention programs offered by mortgage servicers and the federal governments Making Home Affordable (MHA) can help ease some of the burden.
Within MHA, the Home Affordable Modification Program (HAMP) provides borrowers who have experienced a financial setback an opportunity to possibly achieve more affordable mortgage payments by ensuring the payments are no more than 31 percent of their monthly gross income. It begins with a trial period when borrowers are required to make adjusted monthly payments for three months. During the trial period, borrowers must submit specific documents to verify their income to qualify for a permanent modification of their loan terms. If the information and the trial period payments are not received by the servicer in a timely fashion, borrowers will be unable to continue in the program.
The first step struggling homeowners should take is to have their financial documents in order, said Ken Scheller, who manages the Home Retention Division for Bank of America Home Loans. Servicers will ask specific questions about income and hardship to help better understand the homeowners situation and determine the best options available.
Program Eligibility
Homeowners who have fallen behind on their mortgage payments or are at imminent risk of falling behind on their mortgage payments due to a financial hardship could be eligible for HAMP. Guidelines to the program were created by the government and apply to homeowners who meet the following qualifications:
- The property securing the loan must be occupied as the borrowers primary residence.
- The unpaid principal balance of the loan must be than $729,750 on the first mortgage. There is a higher limit for two- to four unit properties.
- The loan must be a first lien mortgage loan that was made on or before January 1, 2009.
- The monthly payment for the first mortgage (including property taxes, hazard and flood insurance and condominium or homeowners association fees) must be more than 31% of current gross income.
- The borrower will be asked to certify a financial hardship has made or will make it difficult to continue making the mortgage payment.
Steps to Make the Process Easier
Mortgage servicers are seeing an ever-increasing number of requests for assistance. Homeowners who are familiar with the qualifications and requirements are more likely to move through the process quicker. When working with a servicer:
- Call the servicer at off-peak times: Home retention specialists are experiencing substantially increased call volumes. Servicers have increased staffing levels to help meet the demand; however, calling at off-peak times should decrease hold times for borrowers. Off-peak times are generally in the evening in the Eastern Time Zone or late afternoon in the Pacific Time Zone.
- Prepare documentation in advance The loan servicer will ask specific questions about a borrowers financial situation, so a borrower can help expedite the process by having the following documents prepared ahead of time:
- Your loan number and property address
- 2 most recent pay stubs showing year-to-date earnings
- Your most recently filed and signed federal tax return with all schedules
- If self-employed, your most recent profit and loss statement
- Documentation of other income, such as alimony or child support (if you wish to have this income considered), benefits (e.g., unemployment, social security, disability, death, pension, public assistance or adoption assistance) or rental income
- Brief explanation of your current financial hardship
- Make the trial modification payments The Home Affordable Modification Program has a minimum three-month trial period. Borrowers need to make each of the three payments on time to be considered for a permanent modification.
- Complete Paperwork Accurately After the initial call, a package of documents will be sent to the homeowner. All of the documents need to be fully completed and returned to the servicer by a specified time to be considered for a permanent modification through HAMP. According to Bank of America, about 80 percent of submitted applications are misstating or missing important information. Borrowers need to review everything carefully and make sure all supporting documents are signed. Incomplete paperwork will delay the process and may even result in borrowers not qualifying for the permanent program.
The trial modification may be based on information the borrower provides over the phone. But the borrowers responsibility doesnt end with acceptance of the trial modification offer; the government guidelines require them to provide full documentation and verification of the financial information, along with all required trial payments, before a permanent modification program can be approved, Scheller cautioned.
Other Loan Modification Programs Available
If a homeowner does not meet the HAMP eligibility requirements or fails to complete the payment and documentation requirements, Bank of America may have other loan modifications or workout options available that fit their individual situation. Before HAMP was operational, Bank of America completed 232,000 loan modifications last year through other programs, and has completed about the same number of non-HAMP modifications in 2009.
If Making Home Affordable is not available to you, dont give up, said Scheller. Its important to ask about other options available to help retain your home.
Getting Help Doesnt Mean Spending More
Many foreclosure relief scams target financially-strapped homeowners. Bank of America advises that fees for foreclosure assistance typically should be charged by these companies and law firms after modifications are negotiated and completed, so be wary of anyone asking for upfront fees. A few important things to consider before paying for home retention assistance:
- Free help is availablethrough most of the major loan servicers, HUD-approved counselors, and non-profit organizations such as the Homeownership Preservation Foundation Credit Counseling Resource Center. They can be reached at 888-995-HOPE or by visiting their Web site, http://www.995hope.org
- Never make a mortgage payment to anyone other than the loan servicer.
- Do not sign over the deed to the property to any individual or company unless working directly with the servicer.
- Beware of any organization that requires payment upfront for services, creates a high-pressure environment where papers are signed, or asks for the deed to the property as part of the modification process.
Bank of America can help customers struggling financially with options to make their payments more affordable. For more information, call 800-669-6607 or visit http://www.bankofamerica.com/homeloanhelp/
Bank of America
Bank of America is one of the world's largest financial institutions, serving individual consumers, small- and middle-market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 53 million consumer and small business relationships with 6,000 retail banking offices, more than 18,000 ATMs and award-winning online banking with more than 29 million active users. Bank of America is among the world's leading wealth management companies and is a global leader in corporate and investment banking and trading across a broad range of asset classes serving corporations, governments, institutions and individuals around the world. Bank of America offers industry-leading support to more than 4 million small business owners through a suite of innovative, easy-to-use online products and services. The company serves clients in more than 150 countries. Bank of America Corporation stock (NYSE: BAC) is a component of the Dow Jones Industrial Average and is listed on the New York Stock Exchange.
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CenturyPoint Mortgage Recognized in 2008 WebAward Competition
Atlanta, GA (PRWEB) September 17, 2008
CenturyPoint Mortgage, a division of First Century Bank, N.A., announced today that the company was recognized in the Web Marketing Association's 2008 WebAward competition.
Since 1997, the Web Marketing Association has been honoring the best of the World Wide Web. Over ninety-six industries are represented in the WebAwards competition, which identifies the best websites in each industry. The WebAwards program focuses on the quality of the entire Web site, from design and copywriting to functionality and the overall user experience.
CenturyPoint Mortgage was awarded the Standard of Excellence in the Financial Services category. The CenturyPoint website received high marks from the judges for design, useful mortgage content and ease of use. Dennis Meroney, president of CenturyPoint Mortgage commented, In this turbulent mortgage market, we're pleased to be recognized for our efforts to make it easier for borrowers to find the right loan. Meroney continued, We are constantly working to enhance the borrower's experience with new and innovative tools that streamline the mortgage process.
Key features of the CenturyPoint Mortgage website (http://www.CenturyPointMortgage.com) include its exclusive RateMatch loan pricing system, which allows visitors to receive a custom rate quote in seconds, without requiring any personal data. Users can monitor loan rates with a Daily Mortgage Rates widget that is updated instantly whenever rates change. Borrowers can apply online and request a rate lock when the timing is right. The website also includes free mortgage calculators and educational information about mortgages, home buying and consumer credit.
About CenturyPoint Mortgage:
CenturyPoint Mortgage is a national lender based in Atlanta, Georgia. Century Point serves borrowers in all fifty states and the District of Columbia, offering a full line of mortgage products, including conventional and FHA loans for purchase or refinancing of primary residences, second homes and investment property. CenturyPoint Mortgage can be reached online at http://www.CenturyPointMortgage.com or toll free at 877-998-9900.
About First Century Bank, N.A.:
First Century Bank, (http://www.MyFirstCenturyBank.com) a full service community bank located in Gainesville, Georgia was established in 2002. Formerly The National Bank of Gainesville, First Century Bank's mission is to create a banking environment that will constantly deliver quality personal service to clients.
