Conventional 30 Yr fixed: 5.625% 1.25pts APR: 6.343
5.750% 0.75pts APR: 6.422
6.000% 0.00pts APR: 6.602
Conventional 30 Yr Loan amount $417,000-$560,000: 6.500% 0.75pts APR: 6.945
FHA 30 Yr. Fixed: 5.500% 1.00pts APR: 6.119
6.000% 0.00pts APR: 6.543
FHA 30 Yr. Fixed Loan amount $362,790-$560,000: 5.875% 1.00pts APR 6.472
Thanks!
Lewis H. Ivey III
Home Mortgage Consultant
Homeservices Lending, LLC dba Champion Realty Mortgage
M4008-011
711 Bestgate Rd.
Annapolis, Md. 21041
410.224.7134 Tel
410.224.3542 Fax
LewisIvey@ChampionRealtyMortgage.com
For More Valuable Real Estate Information visit:
http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?
Annapolis Real Estate and Homes for Sale in Anne Arundel County, Eastern Shore and Waterfront Homes, Properties in the Surrounding Counties of Maryland
Monday, March 31, 2008
Friday, March 21, 2008
When Is It Time To Replace My Roof?
Most experts agree that one of the best ways to avoid roof trouble is to inspect your roof twice a year: In the Fall, for sun damage and in the Spring for Winter damage. By doing this, you will be able to identify any problems early, before you start having leaks. Use binoculars from the ground to check for problems.
If you have asphalt shingles (petroleum based material covered with sand-like granule), look out for a roof surface that is not smooth and the edges of the shingles are curled and warped. Check for crooked shingles. Scan the roof for any shingles that may have been lifted by the wind or are missing altogether. Bumps can indicate that the roofing nails below have become loose. Look for bald spots where the mineral granules have worn away
With wood shingles, check for curled, broken, and split shingles and for spots where nails have become loose or rusted.
With tile or slate, individual tiles can chip and break and require replacement.
In valleys and in flashings around the chimney and vents, check for broken seals along the flashing's edges and for rust spots in the metal.
Check rafters and the underside of the roof for dark wet spots. These are signs of rot and will need to be replaced.
Climbing into your attic or onto your roof to inspect your home can be very dangerous. For that reason, we urge you to use the services of a professional contractor to conduct a close-up roof inspection.
Related Links:
Hometime has a whole roofing section for do-it-yourselfers that is great information.
ImproveNet has a calculator to help you determine the cost of a new roof.
Home Restoration & Remodeling Magazine offers advice on choosing a roofing contractor.
For More Valuable Real Estate Information visit: http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?
Here are today's rates: For March 19 2008
Conventional 30 yr fixed w/ a loan amount under $417,000: 5.625% 1pt/ 5.750% .75pt/ 5.875% .375pt
Conventional 30 yr fixed loan amount over $417,000-$560,000: 6.750% .875pt/ 7.000% .50pt
Conventional 40 yr fixed: 6.250% 1pt/ 6.375% .375pt/ 6.500 0pts
Conventional 15 yr fixed: 5.125% .875pt/ 5.250% .625pt
Jumbo 30 yr fixed: Call for a quote! There horrible!
Jumbo 5/1 Libor Arm: 6.750% 1pt
FHA 30 yr fixed: 5.500% 1pt/ 6.000% 0pts
Fha 30 yr fixed with a loan amount over $362,790-$560,000: 6.125% .875pt/ 6.375% .625pts
Have a great day!
Lewis H. Ivey III
Home Mortgage Consultant
Homeservices Lending, LLC dba Champion Realty Mortgage
M4008-011
711 Bestgate Rd.
Annapolis, Md. 21041
410.224.7134 Tel
410.224.3542 Fax
LewisIvey@ChampionRealtyMortgage.com
For More Valuable Real Estate Information visit: http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?
Monday, March 17, 2008
Here are today's rates: 3/17/08
Conventional 30 Yr. Fixed: 5.875% 1pt/ 6.000% .625pt/ 6.250% 0pts
Conventional 15 Yr. Fixed: 5.125% .875pt/ 5.250% .50pts/ 5.625% 0pts
Conventional 30 Yr Fixed with a loan amount over $417,000 -$560,000 (mini jumbo): 7.000% 0.875pt/ 7.125% .625pt
Jumbo 30 Year fixed: 7.375% 1.375 pt/ 7.500% 1.125pt
Jumbo 5/1 Libor Arm: 6.625% 1pt
FHA 30 Year fixed: 5.500% 1pt/ 6.000% 0pts and a lender credit.
Thanks to,
Lewis H. Ivey III
Home Mortgage Consultant
Homeservices Lending, LLC dba Champion Realty Mortgage
M4008-011
711 Bestgate Rd.
Annapolis, Md. 21041
410.224.7134 Tel
410.224.3542 Fax
LewisIvey@ChampionRealtyMortgage.com
For More Valuable Real Estate Information visit: http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?
Saturday, March 15, 2008
Pat here are the rates for Friday 3/14/08
30 Yr.Fixed Conventional: 6.125% 1pt/ 6.250% .625pt/ 6.375% .125pt
Jumbo 30 Yr. Fixed: 7.375% 1.50pt
FHA 30 Yr. Fixed: 6.000% 0pts and lender credit depending on loan amount.
FHA 3/1 Arm: 5.375% 1pt
Starting on Monday the FHA and Conventional loan limits will be available.
FHA will be an awesome tool to use for loan amounts up to $560,000 with down payments of 5%-2.25% depending on fico scores.
Lewie
Lewis H. Ivey III
Home Mortgage Consultant
Homeservices Lending, LLC dba Champion Realty Mortgage
M4008-011
711 Bestgate Rd.
Annapolis, Md. 21041
410.224.7134 Tel
410.224.3542 Fax
LewisIvey@ChampionRealtyMortgage.com
Thursday, March 13, 2008
Here are the rates for today: Wednesday 3/12/08
Conventional 30 Yr. fixed: 6.250% 1pt/ 6.375% .625pt/ 6.500% 0pts
Conventional 15 Yr. fixed: 5.625% .625%/ 5.750% .375pt/ 5.875% .250
FHA 30 Yr Fixed: 6.000% .25pt
FHA 3/1 Arm: 5.125% 1pt
Jumbo 30 Yr Fixed: 7.500% 1.5pts
Jumbo 7/1 Libor Arm: 6.750% 1.25pts
Lewis H. Ivey III
Home Mortgage Consultant
Homeservices Lending, LLC dba Champion Realty Mortgage
M4008-011
711 Bestgate Rd.
Annapolis, Md. 21041
410.224.7134 Tel
410.224.3542 Fax
LewisIvey@ChampionRealtyMortgage.com
Monday, March 10, 2008
Here are today's rates: Monday 3/10/2008
Conventional 30 Yr fixed: 6.375% 1pt/ 6.500% .75pt/ 6.625% .125pt
Conventional 5/1 Libor Arm: 5.500% 1.25pt/ 5.750% .875pt
Jumbo 30 Yr. Fixed: 7.500% 1.25pt
Jumbo 7/1 Libor Arm: 6.625% 1.25pt
FHA 30 Yr. Fixed: 6.000% .50pt
FHA 3/1 Arm: 4.750% .50pt
thanks to
Lewis H. Ivey III
Home Mortgage Consultant
Homeservices Lending, LLC dba Champion Realty Mortgage
M4008-011
711 Bestgate Rd.
Annapolis, Md. 21041
410.224.7134 Tel
410.224.3542 Fax
LewisIvey@ChampionRealtyMortgage.com
For More Valuable Real Estate Information visit: http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Past Performance is No Guarantee of the Future!
But What Else Do We Have To Go By?
Friday, March 7, 2008
Here are the rates for this weekend: 03/08/2008
Conventional 30 Yr. fixed: 6.375% 1.125pts/ 6.500% .875pts/ 6.625% .25pt
Conventional 5/1 Libor Arm: 5.500% 1.375pts/ 5.750% 1pt
Jumbo 30 Yr. Fixed: 7.500% 1.25pts/ 7.625% 1pt
Jumbo 7/1 Libor Arm: 6.625% 1pt/ 6.750% .75pt
Fha 30 yr fixed: 6.000% 1pt
Fha 3/1 Arm: 4.750% .375 pts
Thanks to:
Lewis H. Ivey III
Home Mortgage Consultant
Homeservices Lending, LLC dba Champion Realty Mortgage
M4008-011
711 Bestgate Rd.
Annapolis, Md. 21041
410.224.7134 Tel
410.224.3542 Fax
LewisIvey@ChampionRealtyMortgage.com
For More Valuable Real Estate Information visit http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Your dedicated Real Estate Professional in Annapolis MD, Anne Arundel County MD, the Maryland Eastern Shore, and the surrounding areas in Maryland. We specialize in Annapolis MD Relocation, Annapolis MD Real Estate, Anne Arundel County Real Estate, Arnold Real Estate, Severna Park Real Estate, and Edgewater Real Estate. We also specialize in Annapolis MD Waterfront Real Estate, Arnold MD Waterfront Real Estate and Severna Park MD Waterfront Real Estate.
8 Ways to Improve Your Credit
Credit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for.
1. Check for and correct errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.
2. Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score.
3. Don’t charge your credit cards to the maximum limit.
4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.
5. Don’t purchase big-ticket items for your new home on credit cards until after the loan is approved. The amounts will add to your debt.
6. Don’t open new credit card accounts before applying for a mortgage. Having too much available credit can lower your score.
7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.
8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.
This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, “Knowing and Understanding Your Credit,” visit http://www.homebuyingguide.org.
For More Valuable Real Estate Information visit http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Your dedicated Real Estate Professional in Annapolis MD, Anne Arundel County MD, the Maryland Eastern Shore, and the surrounding areas in Maryland. We specialize in Annapolis MD Relocation, Annapolis MD Real Estate, Anne Arundel County Real Estate, Arnold Real Estate, Severna Park Real Estate, and Edgewater Real Estate. We also specialize in Annapolis MD Waterfront Real Estate, Arnold MD Waterfront Real Estate and Severna Park MD Waterfront Real Estate.
1. Check for and correct errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.
2. Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score.
3. Don’t charge your credit cards to the maximum limit.
4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.
5. Don’t purchase big-ticket items for your new home on credit cards until after the loan is approved. The amounts will add to your debt.
6. Don’t open new credit card accounts before applying for a mortgage. Having too much available credit can lower your score.
7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.
8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.
This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, “Knowing and Understanding Your Credit,” visit http://www.homebuyingguide.org.
For More Valuable Real Estate Information visit http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Your dedicated Real Estate Professional in Annapolis MD, Anne Arundel County MD, the Maryland Eastern Shore, and the surrounding areas in Maryland. We specialize in Annapolis MD Relocation, Annapolis MD Real Estate, Anne Arundel County Real Estate, Arnold Real Estate, Severna Park Real Estate, and Edgewater Real Estate. We also specialize in Annapolis MD Waterfront Real Estate, Arnold MD Waterfront Real Estate and Severna Park MD Waterfront Real Estate.
Thursday, March 6, 2008
New FHA Mortgage Limits for Maryland
Lewis Ivey the Champion Home Mortgage Consultant just passed on the New FHA Mortgage Limits for Maryland.
Anne Arundel: $560,000
Baltimore County & City: $560,000
Calvert: $729,750
Prince Georges's: $729,000
Queen Anne's: $560,000
Montgomery: $729,750
I know you want to know why Anne Arundel is only $560,000. That is because the people in DC always think we are part of Baltimore. Which means few peoples in this county will be using FHA.
Lewis Ivey Champion Realty Mortgage
711 Bestgate Rd Annapolis, MD 21401
Business:410-224-7134
Mobile:301-602-2536
Email: LewisIvey@ChampionRealtyMortgage.com
Web Site: http://www.lewisivey.com/
For More Valuable Real Estate Information visit http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660http://www.AnnapolisHomes4You.com/PatOgle@AnnapolisHomes4You.com
Your dedicated Real Estate Professional in Annapolis MD, Anne Arundel County MD, the Maryland Eastern Shore, and the surrounding areas in Maryland. We specialize in Annapolis MD Relocation, Annapolis MD Real Estate, Anne Arundel County Real Estate, Arnold Real Estate, Severna Park Real Estate, and Edgewater Real Estate. We also specialize in Annapolis MD Waterfront Real Estate, Arnold MD Waterfront Real Estate and Severna Park MD Waterfront Real Estate.
Anne Arundel: $560,000
Baltimore County & City: $560,000
Calvert: $729,750
Prince Georges's: $729,000
Queen Anne's: $560,000
Montgomery: $729,750
I know you want to know why Anne Arundel is only $560,000. That is because the people in DC always think we are part of Baltimore. Which means few peoples in this county will be using FHA.
Lewis Ivey Champion Realty Mortgage
711 Bestgate Rd Annapolis, MD 21401
Business:410-224-7134
Mobile:301-602-2536
Email: LewisIvey@ChampionRealtyMortgage.com
Web Site: http://www.lewisivey.com/
For More Valuable Real Estate Information visit http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The AnnapolisHomes4You Team
Champion Realty, Inc
410-224-0660http://www.AnnapolisHomes4You.com/PatOgle@AnnapolisHomes4You.com
Your dedicated Real Estate Professional in Annapolis MD, Anne Arundel County MD, the Maryland Eastern Shore, and the surrounding areas in Maryland. We specialize in Annapolis MD Relocation, Annapolis MD Real Estate, Anne Arundel County Real Estate, Arnold Real Estate, Severna Park Real Estate, and Edgewater Real Estate. We also specialize in Annapolis MD Waterfront Real Estate, Arnold MD Waterfront Real Estate and Severna Park MD Waterfront Real Estate.
Wednesday, March 5, 2008
Here are the rates for Monday, March 3, 2008:
Thanks as always to our friend Lewie
Conventional 30 Yr Fixed: 6.000% 1.125pts/ 6.125% .625pts/ 6.250% .375pts
Conventional 15 Yr Fixed: 5.250% 1pt/ 5.375% .875pts/ 5.500% .625pts
Conventional 5/1 Libor Arm: 5.125% 1.25pts/ 5.500% 1pt
Fha 30 Yr Fixed: 5.500% 1.5pts/ 6.000% 0pts
Fha 3/1 Arm: 4.750% .125pts
Jumbo 30 Yr. Fixed: 7.125% 1.125pts/ 7.250% .875pts
Jumbo 7/1 Libor Arm: 6.250% .875pts/ 6.375% .50pt/ 6.500% .250pts
Lewis H. Ivey III
Home Mortgage Consultant
Homeservices Lending, LLC dba Champion Realty Mortgage
M4008-011
711 Bestgate Rd.
Annapolis, Md. 21041
410.224.7134 Tel
410.224.3542 Fax
LewisIvey@ChampionRealtyMortgage.com
For More Valuable Real Estate Information visit http://FreeReports.AnnapolisHomes4You.com
Pat Ogle and The Annapolishomes4You Team
Champion Realty, Inc
410-224-0660
http://www.AnnapolisHomes4You.com/
PatOgle@AnnapolisHomes4You.com
Your dedicated Real Estate Professional in Annapolis MD, Anne Arundel County MD, the Maryland Eastern Shore, and the surrounding areas in Maryland. We specialize in Annapolis MD Relocation, Annapolis MD Real Estate, Anne Arundel County Real Estate, Arnold Real Estate, Severna Park Real Estate, and Edgewater Real Estate. We also specialize in Annapolis MD Waterfront Real Estate, Arnold MD Waterfront Real Estate and Severna Park MD Waterfront Real Estate.
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