This is Roger Perris from Amerisave Mortgage Corporation; a lot of people think I am in the business of doing Loans. I really don’t look at it that way at all. I’m helping our Clients create perhaps the largest Asset of their life and I feel I have a professional responsibility to I help my Clients make informed choices about their Financing Options when financing Real Estate.

Many Homeowners may have had bad experiences with lenders who did not guarantee their Closing Costs. The problem occurs when unethical lenders increase lender fees shortly before closing, leaving the Homeowner with no time to make other financing arrangements.

This will never be a problem at Amerisave; we GUARANTEE your Closing Costs upfront in writing so that you can go to closing with confidence. Amerisave guarantees in writing all Closing Costs that we have control over. The fees you see on our website ARE the fees you will receive at the time of application AND at closing.

Amerisave is a paperless company that services all 50 states. At Amerisave, we take pride in providing you with a full and accurate disclosure of all Closing Costs. Once you lock in your Rates and Fees, we GUARANTEE that those costs won’t change throughout the loan process.

We are so confident we will close your purchase Mortgage loan on time; we back our promise with a $1,000 written GUARANTEE!

Loan Information 09/03/2009 10:21 AM EST
Loan Amount: $259,760.00 State: CA
Purchase Price: $324,700.00 Property Type: SINGLE FAMILY
Interest Rate: 5.375% Property Use: HOME
APR: 5.289% Loan Purpose: Purchase
Product: 30 Year Fixed Documentation: FULL

Guaranteed Closing Costs

Credit Towards Closing Costs ($2,492.86)

$35.00          24 Month Chain of Title Guaranteed
$75.00          Appraisal Review Guaranteed
$30.50          Credit Report Guaranteed
$350.00         Appraisal Estimated
$35.00          Courier Fee Estimated
$75.00          Disbursement Estimated
$30.00          Recording Service Estimated
$495.00         Settlement Fee Estimated
$43.35          Tax Certificate Estimated
$1,122.00      Title Insurance (Lender’s Policy) Estimated

Total Third Party fees $2,290.85

Total Closing Costs
This is the total of all of your estimated third party fees and our SureFee.

Total Closing Costs ($220.01)

Monthly Mortgage Payment
Principal & Interest Total Payment $1,454.58

I ask you to contemplate using my many services and Amerisave Mortgage. It would be an honor and a privilege to serve you in any capacity that you see fit.

Please scrutinize our websites I have provided below to learn more about us, what we do for you, and how easy it is to get out of Debt and at the same time start creating Wealth on your current income!

Roger Perris, Senior Mortgage Consultant, Amerisave Mortgage

Toll Free:       866-970-7283 Ext 7852
E-mail:          Rperris@amerisave.com

09/03/2009 10:21 AM EST Disclaimer:

Loan Product availability subject to loan amount. Until you lock your rate, A.P.R. and terms subject to change, including rates, points, rebates and fees. Rates and APRs may vary depending on loan details, such as points, loan amount, loan-to-value, your credit, property type, and occupancy. ARM rates subject to increase during loan term. Rates and APRs assume that an escrow account is set up for payment of property taxes, hazard insurance, and mortgage insurance if applicable. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.

SureFee is subject to change in the event parameters of the loan change from those presented at the time of application and loan closing, such as but not limited to, a change in the: loan amount, appraised property value, credit score of applicant or type of property.

An additional fee may be added to the Appraisal fee shown above in the event Appraiser must make two or more trips to property to complete appraisal process. A second trip is typically needed when construction or renovation of property is not complete at the time the Appraiser initially appraises property.

Third Party Fees Guaranteed only if Amerisave’s preferred providers are used.
Learn about the Amerisave SureFee.

Provided by:

Roger Perris

Real Estate Finance Expert of the Wealth Creation Asset Management Team

Roger@HomeLoanConsultant.Net

Websites of interest: Please check out the links.

www.HomeLoanConsultant.Info

www.Amerisave.com/partner/rperris

http://www.moneymergeaccount.com/HomeLoanConsultant

http://www.calstarbenefits.com/28494

When most Americans purchase Real Estate they shop for the financing base on the lowest Interest Rate they can qualify for.  First, make sure you are comparing Current Mortgage Rates for the same type of Mortgage. When shopping for a Mortgage, you want to be sure you are getting your best information.

A prudent person knows when to seek out professional advice before making important decisions. 

Don’t base your Home Loan decision on Interest Rate alone.

Mortgage Rates and Closing Costs can change significantly from one day to another, so if you are comparing offers from multiple lenders it must be done on the same day.

For example, if you are shopping Mortgage Rates and have a quote for a 30 year fixed at 5.75%, only compare it to other 30 year fixed quotes at 5.75%.

Next, compare the total of all Points and Lender Fees for each Mortgage (from section 800 to 813 on the Good Faith Estimate)

Ask to see a copy of the Amortization Table…that is the price of the Mortgage over time.

Then WHAT is the “Date” you will be completely DEBT FREE?

Understand that the Interest Rate is only one element of a loan transaction and that in some instances the low Interest Rate quoted by our competition is compensated for by unusually high or unnecessary fees or is tied to loan program that is ill-suited to the Borrower’s needs.

If you are Refinancing, you will also need to review the cost of Title Insurance, Closing/Attorney, and Appraisal. Some large National Companies have negotiated excellent Rates for these services on your behalf.

The company with the lowest combination of Points, Fees and Third Party Costs for the same Rate and Product has the Best Mortgage Rates. But, do they have the best overall Financial Strategy for you? Review the Amortization Table to see what is your Financial FREEDOM POINT Date?

Finding you the BEST combination of Rate, Points, Fees and Third Party Costs is the easiest part of my job!