|
Hot
Days of Summer!
All of Us here at Peoples First, Golden Realty Group
and the FSBO
Connection Program wish you and your family
a safe
and rewarding summer!
-------------------------------------------------------------------------------------------
Quotes for Today
Quote, "Even though I have NO debt, lack of funds is initially why
so many people can't pull through with their dreams, and I am not
prepared to accept that"-- Sarah Pieper, 15 years old DebtSmart
Reader (Australia)
What's On Everyone's Mind These
Days?
Real Estate
News & Tips
- House
Sales Hit Lowest Pace In Four Years (Money News) -
- Current
Homes Sales Report - Florida - May 2007
- Brevard
County, Florida - Housing Market Stabilizing
Foreclosure News & Tips
- Tips
for Jumping Into the Foreclosure Market
- Learn
How To Avoid Foreclosure and Keep Your Home
- Definitions You Need To Know
Lending News
- The
Latest Wholesale Mortgage Rates
- Florida
- Reverse
Mortgages - What Are They and Do They Work?
- Tighter Lending
Standards are Coming
- PMI
INSURANCE TAX DEDUCTIBLE?
Financial Tips - Brought to You By
Debt Smart
- Successful
Day Yard Sale Shopping - Debt Smart
- Will
Debt Settlement Affect Our Credit Rating?
- 6
Steps To Better Credit
Our
Sponsor For This Newsletter is
Atlas Moving Systems -
Click This Picture Below For Great Saving On Your Next Move -
Tell them you saw them in the People First Newsletter.
Click This Link
Enjoy Your Reading
|
Real Estate News & Tips
Brought
to you By Golden Realty Group
---------------------------------------------------------------------
FSBO
& golden Realty Groups Links
----------------------------------------------------------------------
FSBO = For
Sale
by owner
Link
to FSBO & MLS Homes
Link
to Golden Realty Group Web Site
If you know someone looking to buy a home in
Florida or South Carolina - click
here
|
Rob Martin - Broker
Golden Realty Group
|
|
|
|
Steve, Sassy, Jasmine
& JoAnn
|
Foreclosure News & Tips
- Tips
for Jumping Into the Foreclosure Market
- Read
Article
- Learn
How To Avoid Foreclosure and Keep Your Home - Click
Here
CNN:
"Looking for Ways Out of the Subprime Mortgage Crisis,"
USA Today: "Neighborhood Finds Real Estate Loans
Too Good to Be True" Washington Post: "Foreclosure
Rate Hits Historic High"
We've all seen the headlines. What consumers need now is a lifeline,
and I am writing to ask all REALTORS® to help address this growing
problem.
Pat V. Combs,
2007 President
National Association of REALTORS®
- Definitions You Need To Know - see more here -
(Realtytrac.com/education)
Notice of Default - The initial document (non-judicial) filed by
a trustee that starts the foreclosure process, usually after the
occurrence of a default under the deed of trust or mortgage.
Both LIS and NOD are part of the PRE-foreclosure process.
Lis Penden (LIS): Notification of pending lawsuit.
The initial document (judicial) filed by an attorney or trustee that
starts the foreclosure process after the occurrence of default under
the deed of trust or mortgage.
|
|
|
|
Lending News
The Latest Mortgage Rates - Florida - as of 7/15/2007*
(*Rates subject to change without notice)
|
Loan Type
|
|
Apr.
|
|
40 Year Fixed Rate
|
6.75%
|
6.947%
|
|
30 Year Fixed Rate
|
6.625%
|
6.852%
|
|
15 Year Fixed Rate
|
6.25%
|
6.618%
|
|
5/1 ARM
|
6.375%
|
6.598%
|
|
3/1 ARM
|
6.25%
|
6.472%
|
|
VA / Govt 30 Year Fixed Rate
|
6.625%
|
6.852%
|
|
VA / Govt 5/1 ARM
Other Govt Programs
Available
|
6.50%
|
6.725%
|
|
Home Equity Fixed Rate
|
7.70%
|
8.14%
|
|
Home Equity Line of Credit Starts
at Prime Rate 8.25% - Up To 80% of Your Homes Value.
PRIME +0
|
|
Lot Loan Interest Rate (90%)
|
9.00%
|
9.479%
|
|
Lot Loan Interest Rate (80%)
|
8.50%
|
8.972%
|
|
Construction Loan Interest Rate
Available / Call for Details
|
We Can Help You With A Reverse Mortgage
Too!
To Apply – You Can Download Our Mini-Application and Send It To US
Click
Here Open
with Acrobat reader. Virus Free
|
|
More
Lending News! - Reverse
Mortgages!
They Are Here To Stay - Click
Here
- Reverse
Mortgages - Federal Trade Commission Facts - Click
Here
- Tighter Lending
Standards are Coming -
New guidelines for nontraditional mortgages will be released in the
fall - Read Article
- PMI
INSURANCE TAX DEDUCTIBLE?
Homeowners who pay less than 20 percent down must many times pay
for PMI, but a law recently passed by Congress makes that cost fully
deductible on income taxes starting in 2007. It applies to new loans for
households making less than $100,000 per year.
Read the full story
|
|
If there is a finance question you have, drop us a line
at fsbopeople@aol.com.
We
will research it for you and will send you the answer.
Helpful Web
Links & Tips
- Debt
Smart
– (link) A Great Source For More Financial Tips
-
Protecting
Your Family - Sexual Offender Web Sites:
United States Department of Justice - NSOPR.gov
Florida Department of Law Enforcement - FDLE
- Free
411 - Directory Assistance for Cell Phones -
1-800-FREE 411 or 1-800-373-3411 (It Works!!!)
|
----------------------
Testimonies
----------------------
|
You have been really helpful and honest. We will definitely
use you and your company when we are ready to try again.
Thanks for all your help.
Debbie
Ryker
Satellite Beach, FL |
Your service is excellent, timely, thorough, complete and
accurate.
Nick
Herren
Palm Bay, FL |
We are very thankful to have found such professionalism and knowledgeable
realtors. Thank you for taking the time to show us all of our
options.
Patty
Raymond
Palm Bay, FL |
Closing
Words -
One Minute Each Night -
(from one of our readers)
In
WWII, there was an advisor to Churchill who organized a group of people
who dropped what they were doing every night at a prescribed hour for
one minute to collectively pray for the safety of England, its people
and peace.
There
is now a group of people organizing the same thing here in America.
If you would like to participate: Each evening at 9:00PM Eastern Time
(8:00 PM Central) (6:00 PM Pacific), stop whatever you are doing and
spend one minute praying for the safety of the United States, our troops
and for a Godly nation.
If
you know anyone who would like to participate, please pass this
along. Someone said if Christians really understood the full
extent of the power of prayer, we might be speechless. Our prayers
are the most powerful asset we have.
Thank
You, and God Bless America
|
-------------------------------
We Are Hiring –
-------------------------------
People’s First Financial Services is Hiring
Peoples
First is looking to hire 6 licensed Mortgage Brokers for its expanding
marketing program in
Brevard County,
FL.
We are also looking for
licensed Mortgage Brokers for our expanding marketing program throughout
the state of
Florida.
Experience
not necessary. A license is
a must.
Ambition, Integrity and Strong Work Ethics is a must.
If interested please call JoAnn Srein at (321) 242-8240.
-----------------------------------------------------
Golden
Realty Group's FSBO division is Hiring
Golden
Realty Group is looking to hire 10 Real Estate Agents for its expanding
For Sale By Owner (FSBO) division in
Brevard County,
FL.
Our
company and program are also expanding throughout the State of
Florida
and we are seeking Real Estate Agents to meet this expansion
opportunity.
Experience
not necessary.
Ambition, Integrity and Strong Work Ethics is a must.
If interest please call Steve Srein at (321) 253-6116.
|
|
|
|
|
It
is Official -
FSBO
Connection is expanding.
FSBO Connection program expands in
South Carolina, along with our mortgage operations with Atlantic
Home Mortgage partner. We
will work under Atlantic Home Mortgage based out of
Myrtle Beach,
SC. Our Mortgage, FSBO
and Marketing arms will extend to Charleston,
Florence
and
Myrtle Beach
areas.
Future plans include
Columbia
and
Greenville South Carolina. If
you know of anyone needing financing or great For Sale By Owner
services, we can help. Click links below.
|
The Goal
of the People First Newsletter
|
The goal of the People First
Newsletter is to keep you informed on financial and real estate matters
that could impact your life. It
is also designed with one thing in mind – Saving our customers and
subscribers MONEY!
We strive to bring you up-to-date information that can and
will help you make financial decisions.
We invite you to share the People
Come First Newsletter with your friends, family and associates.
Anyone can subscribe by sending an email to fsbopeople@aol.com
and ask for our newsletter.
Some links require Acrobat Reader to view the complete article.
You can download a free copy of Acrobat Reader by going to www.Adobe.com.
We hope you enjoy this issue!
|
|
DISCLAIMER
You are receiving this
email advertisement because you are currently a subscriber of the People
Come First Newsletter. If
you would rather not hear from us, let us know – Send a reply email
with your complete name and we will remove you from all future emails.
This email complies with all provisions of the Can-Spam Act of
2004.
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
|
People's First Financial Services, Inc.
"Dedicated Service Since 1986"
2299 Sarno Rd. Suite B
Melbourne, FL 32935
(321) 242-8240
(877) 202-2968 fax
"Where
People Come First"
www.PeopleComeFirst.net
|
Golden Realty Group
Home of the "Award Winning"
FSBO Connection Program
836 Executive Lane, Suite 120
Rockledge,
FL
32955
321-253-6116
"We Follow The Golden Rule"
www.PeopleSaveMore.net
www.GRGrealty.com
|
|
