KnowHow...

I'll Make it Easier On You

Could you use a friend in the financial industry? You don't need perfect credit or a stable work history. I respect your time and your life's commitments. Here's how I can help find the money solution that's right for you.

1. Describe your requirements. I will provide you with a FREE, no obligation analysis to inform and assist you in getting the best deal.
2. Submit a secure, online application
3. When YOU are ready, I will help you complete your request and package your application for the top contender in my comprehensive network of wholesale, institutional and private money people.

Ann Marie Harmony 619 546 5700 Institutional or Hard Money A-D Credit Residential Modular, Manufactured and Mobile Homes Moved Homes Commercial Construction-Perm

Creative Financing Private Equity

FHA, CalHFA, VA, MCC First time buyer Little or no credit history CalPERS, Reverse Mtg. Competitive rates Negative amortization No "arms-length" requirements No income, no asset verification Cost of Funds indexed 100% LTV- no MI Stated income, assets 50% Debt to income ratio 125% 2nds Silent 2nd, 3rd's HOMECHOICE- $500 down, disabled Interest only 1sts, 2nds- no prepay 30 year loan w/ i/o 10 yrs Stated income, assets Home Equity Line of Credit Bank statements No seasoning on discharged bankruptcy or foreclosure Private, Hard Money credit "fix-up" Low-cost credit repair Rural Areas, Out of State N/O/O Prime and subprime programs Up to 103% LTV Condos, PUDs, Rural Areas Singlewides, Pre-HUD 1976 Stated Income, Bank Statements Investor-owned 5% down Singlewides, 1963+ FICO 500+ Stated Income, 2nd homes, buy fors

Why You Need a Mortgage Expert

• Nearly 3 out of every four Americans (68.8%) own their own homes.
• A 30 year fixed loan takes 22 years for mortgage to be reduced by half.
• Every 5 years, 50% of America moves.
• California homes appreciate at 10-20% per year, 3 times higher than the national average.

1. Credit Report and Score

   - Do you know YOUR credit score? Ask me about what we can do so you qualify for better loans and lower interest rates.

2. Your Property's Current Market Value

3. Current Quotes on Rates and Terms

4. The specific answers you need to make an informed decision and get the best financing for your unique situation
   - Mortgage Tools and Calculators
   - Accelerated Repayment Calculator
   - Govbenefits.gov Your Federal and State Benefits Connection

Ten Reasons to Refinance:

1. Reduce Monthly Interest Paid - More of Your Money goes toward Principal
2. Lower Your Monthly Mortgage Payment Substantially
3. Reduce Your Current Mortgage Term with Little or no Increase in Payment
4. Possibly Skip a Full Month's Mortgage Payment (ask for details)
5. To Pay Property Taxes, Tax Liens or Combine Multiple Liens on Property
6. Obtain Cash Out of The Equity In Your Home
7. Payoff Ex-Spouse in Divorce Settlement or Siblings in Property Inheritance
8. To Obtain that Pool/Spa Your Family has Always Wanted
9. Eliminate Monthly Mortgage Insurance Payment
10. No Money Out-of-Pocket at Closing Required

20 ways to come up with a down payment

1. Ask your parents, other relatives or friends for help. If they can't give or loan any money, perhaps they'll agree to co-sign the loan.
2. Sell (or borrow against) other real estate you own.
3. Sell securities you own, or borrow against them through a loan from the stock brokerage.
4. Sell collectibles or heirlooms you own.
5. Cash in (or borrow against) the built-up value of any life insurance you have.
6. Withdraw money from your IRA. If you're a first-time buyer you can pull out $10,000 penalty-free (though you must pay state and federal income tax on it) to put toward your home purchase. If you're not a first-time buyer, pull out the very least amount you must. Otherwise, you will have to pay both the 10 percent penalty and income tax on an early withdrawal.
7. Borrow against your retirement funds. In some cases, the rate on the loan may be as small as 2 percent. If you add too much to your debt burden, however, you may not be approved for a loan.
8. Ask for help from your church, synagogue or other nonprofit organization. Fannie Mae has a "3/2" loan program that allows you to make a 3 percent down payment if a bona fide nonprofit puts down the other 2 percent.
9. Sell a boat, RV or second car you own and use the cash for the down payment.
10. Get a second job. It'll help you raise cash, and the extra income will improve your chances of qualifying for a loan. You can quit later.
11. Look for an investment partner who'll put up some or all of the cash in an equity-sharing partnership. You make the monthly payments and the two of you split the eventual resale profits.
12. Change the withholding taxes, if permitted, on your salary in anticipation of higher deductions when you get a mortgage. Your take-home pay will increase, giving you more funds to put toward a down payment.
13. Look for loan programs such as VA or FHA that require little or nothing down.
14. Use a lease option that lets you rent the house now and buy it after you save.
15. Look for a home with an assumable loan. Instead of buying out the owner's equity, ask the seller to carry back a second mortgage for an equal amount. That way you can buy the home without a down payment.
16. Pawn something you own and use the proceeds for a down payment. You can get the item back after you've moved in and can afford to pay the pawnbroker back.
17. Refinance your car or other vehicles and add the proceeds to your down payment.
18. Offer something other than cash (a car, boat, or collectibles) to the seller in lieu of a cash down payment.
19. Offer your services or expertise to the seller in lieu of a down payment. Some examples include $10,000 worth of auto services if you're a mechanic, dental work if you're a dentist, desktop publishing services if you're a designer, artwork if you're an artist or legal work if you're an attorney.
20. Look for foreclosure properties that require little or no down payment. Some lenders and government agencies will let you buy a foreclosure with no down payment if your credit is good and they're anxious to have the home occupied, or if you have skills (carpentry, landscaping or even painting) that you can use to increase the home's value.