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

Lawmakers and businesses are calling for expansion of a Tax Credit for First-Time Homebuyers that has helped spark Home Sales in an otherwise dismal Real Estate Market. With the Tax Credit scheduled to expire in the fall, some business groups say the amount of the credit, now capped at $8,000, should be raised to $15,000 and applied to anyone who buys a Home.

The Credit, introduced in July 2008, was expanded in February as part of the Economic Stimulus Package. The proposals may face headwinds amid growing public criticism of Government spending to rescue the Economy and the widening Budget Deficit.  Some Economists say a Tax benefit is vital to spur Home buying and help stabilize prices.

Virtually every Economist/Governmental/Business Leader has stated that restoring health in the Housing Market is a requirement for the economy to regain its footing.  While various States have added their own Tax Credits to the Federal Tax Credit for First- Time Homebuyers, the Housing Market shows only the faintest signs of life.

While sales are not falling further, neither are they picking up.  Prices continue to fall in most markets.  The high end which had not been fully impacted until 2008 in most markets is now as quiet as it has ever been.  The nearly $800 billion of economic relief that was passed earlier this year has not had and will not have, much impact on the overall economy.  Much will not even find its way into consumer’s pockets until 2010 or later.

It is time for Federal and State governments to realize that should they want to stimulate the Economy, firing up the Housing Market is the place to start and that the remedies this far put in place are not sufficient to do so.

Current proposals:

 
A Senate Bill to expand the tax credit to $15,000 for any homebuyer regardless of income was introduced this month by Sen. Johnny Isakson, R-GA. It is co-sponsored by Senate Banking Committee Chairman Chris Dodd, D-Conn.  (Isakson was formerly the president of one of the nation’s largest real estate brokerage firms and would likely know more about what it will take to put a floor under the housing market)

A House Bill to keep the $8,000 credit in place until June 2010 and expand it to all homebuyers was introduced last month by Rep. Kenny Marchant, R-TX. It also would provide a $3,000 credit to homeowners who refinance.

Another Bill in the House, introduced by Rep. Eddie Bernice Johnson, D-TX, would extend the credit to all homebuyers through 2010.

 
The Business Roundtable, a consortium of CEOs from large companies, urged Congress this month to expand the Tax Credit to $15,000 and make all Homebuyers eligible.

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