This time of year we celebrate our Independence and our
Freedoms we come to know and enjoy. Independence
and Freedoms come with a price. It was those before us and
those that are now putting their lives on the line to protect
us, so we can continue to enjoy our Independence and our
Freedoms. Please take a moment to thank Vet or
someone who has put their life on the line to protect us.
Our mission continues to be one that helps people meet the
challenges of today and to protect and help them
work thru this tumultuous times we are in. We are helping people achieve their
dreams. Helping people save money and helping people avoid costly
mistakes.
Over the past 30 years, I have
consulted with thousands of clients who put their trust in the
information we provide and
the companies we represent. It is an awesome responsibility
that is not taken lightly.
I realize that the destiny of those we serve are in our hands, and
that my friend is a sobering though. Each time I or one of
our colleagues meet with
people we treat our clients financial matters as if they were our
own. It's personal. It's Professional.
We want to thank you for your loyal support all of these years!
And for those that have not had an experience working with us and our
fine services, we invite you to give us a call and see for yourself.
It will be refreshing and rewarding to see that People Really Do Come
First!
Steve Srein - Founder
Steve Srein brings his 33 years of banking, financial
and real estate experience together in one easy to read newsletter. Steve
gives you a simple format with links that will help you easily navigate
and understand these important subjects.
JoAnn Srein brings over 12 years of financial and real
estate experience to our team of writers.
You
have the best two people in the industry on your side working hard to
earn your business.
The goal of the People Come First Newsletter is
to keep you informed with the latest financial and real estate news that
will help you make sound financial decisions.We strive to save our subscribers and customers MONEY!
Together we invite you to share the People Come First
Newsletter with your friends, family and associates.Anyone can subscribe by sending us an email to Info@PeopleComeFirst.net
and ask for our newsletter. Or
they can visit www.PeopleSaveMore.net
and click on the Newsletter section.
First Time Buyers Get $8,000 Tax Credit - Ends 11/30/2009
"The
American Recovery and Reinvestment Act of 2009 offers homebuyers a
tax credit of up to $8,000 for purchasing their first home. Families
can only access this credit after filing their tax returns with the
IRS."
FHA Homeownership Web Site - Read More.
Why Should I Get Pre-Approved FIRST?
"In
the last couple of weeks I have heard this question so much! I
cannot stress to a homebuyer enough that there is even more of a
reason now to get a pre-approval than ever."
Active Rain - Blogspot - Read More
Local - Brevard County's First Time Homebuyer Program
"First-time homebuyers get financial help. Loans, funds
available for down payments." Florida Today 12/14/2008
You will find all the information you need to become eligible
for down payment assistance on their web site.
We can help you walk thru the process of getting your preapproval
and provide you the financing you need at a great rate.
FSBO
& golden Realty Groups Products & links
FSBO = For
Sale
by owner
2902 Gemini Avenue, NE, Palm Bay FL 32905 - $89,000 3 Bedroom / 2 Bath / 1452 Sq Ft / Built 1969 / CBS See Virtual tour -
click Here Flat
Fee Mls Service
$295.00
Full Service Mls At Reduced Commissions
Freddie To Let Residents Rent Home After Foreclosure
USA
Today, January 30, 2009 "Freddie Mac on Friday plans to announce a first-of-a-kind plan
that lets homeowners and tenants temporarily stay in homes in
foreclosure by renting them back, an effort to stop many of the
sudden evictions that have come along with the housing crisis."
Follow the Story - Read More at USA Today
10 Steps to Negotiating an Affordable
Loan Modification
By Ralph Roberts
"Ralph R. Roberts,
consumer advocate
and spokesperson for
Federal Loan
Modification Law
Center, LLP,
recently released
his list of the top
ten steps homeowners
can take in order to
negotiate an
affordable loan
modification. The
following steps
apply to homeowners
working directly
with a lender as
well as to those
teaming up with an
attorney or
alternative
third-party
representative."
Follow the Story -
Read More at
AARNews.com
Foreclosure Web Sites and More - These are our three
favorite web sites where you can get FREE information.
The
Latest Wholesale Mortgage Rates - 5.625% Rates?
(*Rates subject to change without notice)
Interest Rates May Vary Slightly Based On Your Area of the Country
Feds Key Interest Rate Holding at .0% to .25%
WSJ Prime Rate 3.25%
Why Are Mortgage Rates Rising?
"NEW
YORK – The Federal
Reserve announced a $1.2 trillion plan three months ago
designed to push down mortgage rates and breathe life into the
housing market."
Follow the Story - Read More - Yahoo News6/6/2009
New Fannie Mae REFI PLUS Program, How It Works and How It
Could Benefit You. Get Rewarded for Paying On Time.
"DU Refi Plus is
a refinance of an existing Fannie Mae loan by any lender using
Desktop Underwriter® (DU®) for underwriting; the lender does not
have to be the current servicer of the mortgage loan."
Mortgagenewsdaily.com (03/06/2009)
Follow the Story - Read More Here
Freddie Mac has a program very similar to Fannie Mae, Call for us to
see who "Owns" your loan and for more details and start
saving today.
FHA Loans - Put Them to Work For You.
HUD has
announced effective with FHA case
numbers assigned on or after January 1, 2009, the
borrower's minimum cash investment requirement will increase to
3.5%.
Lower Down Payment
Sellers Can Pay Up to 6% of Buyers Closing Costs
Credit Scores Starting at 620
Call for More Details
"In this
list, some opt outs can be done by phone, some have to be
sent in a letter via postal mail, and some can be
accomplished online. Some opt outs last forever, some have
time limits, and others can be changed at will. If an opt
out is on this list, it is because we thought it might be
important enough to be worth whatever annoyance it may
pose."
November 24, 2008 "WASHINGTON — The Internal Revenue
Service today issued the 2009 optional
standard mileage rates used to calculate
the deductible costs of operating an
automobile for business, charitable,
medical or moving purposes."
"These short
presentations are dedicated to helping
your small business. In addition to
these video and audio presentations,
please visit the
Small Business Tax Workshop Video
page for instructional lessons. To view
the videos, please download the
Flash Player if you don't already
have it."
Bookkeeping Services Starting at low as $15.00 Per Hour
Quarterly Tax Preparation Starting as low as $25.00 Per Return
QuickBooks & QuickBooks Pro Qualified
25 Years Bookkeeping Experience
We Can Help You Prepare For Tax Season Too!
Call Today - (321) 242-8240
With the help of our subscribers and other resources, we have
gathered many helpful and useful web links, we bring them to you
in one great web page. Click Here
Need help finding Home Owners Insurance in Florida? Check Here
Make A Virtual Tour of Your Home (added 06/09) -
Click Here
Split Video - Very Cool (added 06/09) -
Click Here
Failed Bank List (added 06/09) -
Click Here
Your comments are very important to us. Others that we
have the opportunity to serve would like to hear what you have to
say. That's why we created our online Customer Comments page.
Thank you so very much. I will always be a
customer of yours. Its nice to know there is still a business out
there that holds honesty over making a buck. Thanks again.
R. Diedrich - Merritt Island, FL
Steve--Thank you very much for examining the info I sent you. I
appreciate your honesty and your work ethics. It means a lot to me.
I
will always turn to you first in any future transaction to see if
you can help me out. Also, if any of my friends need your services,
you will be the one that I recommend.
Thanks again for your help. C. Byrd - Melbourne Beach, FL
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Come First Newsletter. If
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The
author shall have neither liability nor responsibility to any
person or entity with respect to any loss or damage caused, or
alleged to be caused, directly or indirectly by the information
contained in this email newsletter and/or at the www.PeopleComeFirst.net
website or its affiliates. The information, methods and techniques
described may not work for you and no recommendation is made to
follow the same course of action. Every effort has been made to
verify the accuracy of all content contained herein. However,
there may be mistakes; typographical, mathematical, or in content.
This email newsletter has been created for your entertainment
only. You must always seek the proper professional advice before
taking any financial or legal action.
Thank You for your
continued support.
Steve
& JoAnn Srein
In Florida
People's First Financial Services, Inc. "Dedicated Service Since 1986"
2299 Sarno Rd, Suite B
Melbourne, FL 32935
(321) 242-8240
Fax (877) 202-2968 "Where People Do Come First" www.PeopleComeFirst.net
Golden Realty Group
Home of the
"Award Winning"
FSBO Connection Program
PO Box 410497
Melbourne, FL 32941
(321) 243-4892
"We Follow The Golden Rule" www.PeopleSaveMore.net www.GrgRealty.com
From
The Heart
