title>Jim Pendleton 1-631-451-7400 fixed rate mortgage, morgage now.

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Jim Pendleton, for Personal SERVICE!

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Financial Services of America A Direct Lender - ALL 50 States

"Mr. Mortgage" Jim Pendleton

If you have any other questions, please send an e-mail to jim@mrmortgage.ws

MORTGAGE RE-FINANCE QUESTIONS

Lower monthly payments.

More available money to pay off other debts.
Protection against future job losses.
Shorter loan terms.
Lower overall interest costs.
Less interest rate uncertainty than adjustable rate mortgages provide.
Call it mortgage, morgage, mortage or motgage, I can help!

Refinancing can offer people all that and a bag of chips. But what's most important to homeowners today? Does refinancing make sense for many of them? How much can they save, and what kind of loans should they be considering? What do they hope to accomplish? "Rates have pretty much dipped down to a low that we haven't seen in a long time," says Jim Pendleton, senior loan officer at Financial Services of America in Melville, New York. "People are looking at the lowest monthly payment" they can get. "I had somebody two weeks ago already at a $150 savings a month and another couple is saving $480 a month and that's a big deal." We interviewed several consumers and lending experts to find out what borrowers are doing. The borrowers agreed to share their financial data with us, and we provided it to mortgage lending professionals. They, in turn, analyzed the numbers, ran some calculations and came up with practical advice about how these homeowners might want to proceed. By studying these examples and the pros' advice, mortgage hunters will better educate themselves about the lending process. That should make it easier for them to decide if they too should take advantage of today's low rates and refinance. The "Farewell To ARMs" refinance Like tens of thousands of other borrowers who took out ARMs after rates started climbing in early 1999, the Andersons decided to refinance their Minnesota townhouse. Though their new fixed rate won't be much lower than the rate they're currently paying on their ARM, they will save some money and eliminate the uncertainty of a variable rate.

Lower monthly payments.

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