Wednesday, February 10, 2016

Rates Are Dropping Again

Hello Readers,

If you have yet to take advantage of the lower rates now is the time to look into refinancing once again. Rates have dropped below 4% on almost all platforms and programs. Clients are saving 150-200+ dollars per month across the board. There are numerous streamline programs available. No matter what your situation is, taking a few minutes of your time to see if your loan originator can put you in a better situation than you are in currently makes sense. If you need my help feel free to reach out to me.

James Peters Sr.
HomeTown Lenders
317-747-4171


Tuesday, January 12, 2016

Your Loan Officer Matters

Hello,
The loan officer that you choose is so important to ensuring a successful process, it is even more important than the company you decide to move forward with is the loan officer you choose.
Dealing with a professional loan officer is important. It basically guarantees that you get the transaction completed and working with a loan officer that has integrity will ensure you also get the best loan on the market you qualify for. So many mortgage originators are so new to the business they don't understand the dynamics of the programs available to clients neither do they understand how to know there is a benefit for the borrower potentially looking to refinance.
Do NOT work with someone who quotes rates/fees without understanding your financial situation and knowing where you want to be when the refinance is completed. This is so vital to you because only new loan officers quote rates without understanding their clients. These are NOT the ones that you want to work with.
Lastly make certain you are comfortable with the loan originator you move forward with. Do research on not only the company but the loan originator you enjoy talking with and feel like they are interested in your situation. Having at least 3 years plus experience is vital for you. Below are some highlights that you should ensure before moving forward with whatever company you choose.
1) Choose a loan originator with experience. This is vital to ensuring a smooth efficient transaction whether you are refinancing or purchasing a home.
2) Choose someone who sounds knowledgeable and trustworthy. Make certain they know what they are talking about when it comes to your mortgage.
3) Choose someone focused on making certain there is a benefit to you the borrower in the transaction. Someone generally focused on rate and costs may not understand the process enough to know if refinancing makes sense for you. A loan officer with integrity will always take care of their clients. That is a certainty.
4) Before making the final decision be certain that the loan makes sense for you and is beneficial. After this now it is time to choose the loan officer that you believe has helped you the most to this stage in the game and seems more than competitive in their offer.
I hope this article helps you before you make your next decision. Remember dealing with an inexperienced loan officer can become a NIGHTMARE.
Good Luck!



Monday, April 21, 2014

Home Purchase

Dear Readers,

     If you are looking at purchasing a home, the time is now. There are so many programs available that enable you to help you get approved for a home loan. Prices are starting to climb and it is trending from a buyers market back to a sellers market. While the rates are low and home prices are still reasonable if you are still renting or ready to buy the time to start looking is now. Whether you have excellent credit and are looking for a great deal and excellent service or you need help repairing your credit we can help. If you allow us an opportunity to help you one thing I can be certain of you will not be disappointed.

Sincerely,

James Peters Sr.
Loan Originator
HomeTown Lenders
Office: 317-747-4171



Wednesday, April 9, 2014

Dishonesty

Dear Readers,

     Every single one of us have some type of profession we give our lives too. Whether it be a full time mom, sales professional, doctor, lawyer, carpenter, tradesmen, etc... We cannot separate our lives from what we do. Integrity in all of our dealings is of vital importance.  If we will lie in business or work isn't it easy to believe we will be dishonest in other things we do. It is hard for me to understand dishonest mortgage brokers, dishonest Realtors, and even sometimes dishonest clients. Let us remember one thing together, integrity in business goes a long way. It helps insure a smooth process for everyone and keeps us competitive. If you are looking for someone who will be honest up front and take care of all your needs while getting you a great loan and making it a smooth transaction let me be your go to mortgage professional.

Sincerely,

James Peters Sr.
Loan Originator
Home Town Lenders
Office: 317-747-4171


Thursday, April 3, 2014

Available Houses Decreasing Prices Going Up

Dear Readers,

    The inventory in the housing market is beginning to shrink. What this means is that housing prices will gradually start to climb. If you are seriously interested in buying a house, while the rates are low and the housing prices are beginning to climb now is the time to buy. Once building begins again house values will increase and rates will rise which will give you an increased monthly payment on the same value of a house. If you need help with financing or just need to know where to start allow us to be your go to lender.

Sincerely,

James Peters Sr.
Loan Originator
HomeTown Lenders
317-747-4171



Tuesday, April 1, 2014

Buying a home in or near Pendleton, Indiana

Dear Readers,

     Did you know that if you are looking to buy a home in a rural area you may qualify for a USDA loan for little to NO down payment at all. We have so many new programs opening up if you are either looking to buy a home or looking to refinance give us a call to see if we can help you.

James Peters Sr.
HomeTown Lenders
Pendleton, Indiana
Office- 317-747-4171