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PROFESSIONAL MORTGAGE PLANNING

                          *Click here for our NewsLetter*

       

Responsible Mortgage Lending Happens by Design

In today's real estate market, there is no room for the "old school" ways or cavalier methods.  Mortgage banking requires expert processes and constant monitoring in order to provide a successful home purchase or refinance for our client. 

Through a personal consultation, we focus on the development and understanding of your mortgage loan.  Certainly our goal is to make the loan process as simple and worry-free as possible.  That is expected.  But, a professional mortgage plan includes an analysis of all aspects of your mortgage needs.  For some they are simple, for others they can be more complex.  Either way, you owe it to yourself and your family to capitalize on the expertise of a planner who will assist you in creating a mortgage strategy that insures you are positioned in the best possible way to achieve your future financial goals.

Whether it is a home purchase, a refinance, a home equity loan or a second mortgage, our driving ambition is to help you find the right plan for your unique needs. 

Peak to Trough: An Eye on our Local Market

(Click the caption link to access individual zip code graphs)

The question continues to come up ... "when will we see the bottom of the market?"  Though it is impossible to predict, we can track the data and keep a watchful eye on market conditions.  We know that housing is in decline however not all areas are equal, nor will their price recovery be equal.  For this reason we are tracking the data from 8 zip codes that represent Pasadena, Arcadia, Duarte, Covina, Glendora, La Verne, Upland & Rancho Cucamonga.  Check the graphs regularly for updates.

Sept08 AvgDollars 

Sept08 AvgUnits 

  

Top News


Mid-Day Recap: Labor Reports Send Markets into Freefall  - 1 day ago
The pace of losses in the labor market had been moderating for four months but in June nearly half a million jobs vanished from the economy, in contract to widespread expectations. The Bureau of Labor Statistics said 467,000 jobs were lost, pushing the unemployment rate to 9.5%, the highest in 26 years.?The heavy loss of jobs in June is a warning that the road to recovery will be bumpy, but doesn't yet indicate that we have gone off the track? . . . ...(read more)
The Day Ahead: Markets Hesitant Ahead of Employment Data - 1 day ago
Markets are edging lower ahead of the 8:30 release of Nonfarm Payrolls. A lot is hanging on this report as many forecasts for the economy are dependent on the direction of the labor market. Many look for signs of stabilization after last month?s downside surprise, but signs of a recovery have been far from evident in the weekly Jobless Claims numbers or the ADP private employment report. The consensus looks for 325,000 jobs to have vanished this month, with forecasts ranging between 225,000 and 435,00...(read more)
HARP Guidelines Allow for 125% LTV. Originators Still Skeptical - 2 days ago
The Home Affordable Refinance Program was designed to assist borrowers who have demonstrated an acceptable payment history on their existing Fannie Mae or Freddie Mac owned mortgage loan. Unfortunately due to rising unemployment levels and increasing foreclosure rates, demand for housing has weakened and property values have continued to decline, which has blocked many borrowers from utilizing HARP....(read more)
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RISK & REWARD - Your Choice
In today's economy, you cannot afford to let unskilled mortgage agents direct your largest investment - there is just too much to lose.  With the concern for family needs, college expenses, debt management, home ownership and retirement, your largest investment deserves a professional review and wise counsel.

It is time you require more of your mortgage professional than just a competitive rate.  Call today to schedule an appointment with a Certified Mortgage Planning Specialist (CMPS).  Let us share with you how a strategy for managing your mortgage can care for more than just your housing needs. The right strategy can dramatize the strength of your retirement and create a hedge against unforeseen financial disaster.   It is time to have a plan … as well as a competitive rate.

Why is choosing a CMPS professional so important?  Take a look for yourself. http://www.cmpsinstitute.org/public/why_you_need

 


Lenders Direct Funding - 216 N. Glendora Avenue - Glendora, CA 91741
Office Phone: 626-852-5876 Fax: 626-608-0439 Cell Phone: 626-890-4129


 



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