tag:blogger.com,1999:blog-21365198218496579752011-11-27T18:45:46.249-05:00This blog helps locate the best mortgage loan in KY at affordable rates and terms. Expert advice with no strings attached re:refinancing,purchasing,home improvements,farm loans, reverse mortgages,manufactured homes,second homes, kiddie condos,home equity and home credit lines, and reducing your current rate or saving yourself from foreclosure. Good credit, slow credit or even bad credit- I want to help. It's free and it's now. Let's get chatting...or visit my company at www.kashmortgage.comKentucky Mortgages Experthttp://www.blogger.com/profile/16558219132007350454noreply@blogger.comBlogger11100tag:blogger.com,1999:blog-2136519821849657975.post-67226609989544172572008-04-04T21:06:00.003-04:002008-04-04T21:25:06.124-04:00<div align="center"><span style="color:#996633;">THE BEST REASON TO WAIT-MAYBE THE RATES WILL DECREASE...</span></div><div align="center"><span style="color:#996633;"></span> </div><div align="center"><span style="color:#996633;"><em>What is the best way to know when to take action?</em></span></div><p align="justify"><span style="color:#996633;">This could be the best time for you to refinance.</span><span style="color:#996633;">Rates already become so affordable that dropping your current rate by </span><span style="color:#996633;">1% or switching from adjustable or variable to fixed, just makes sense.</span></p><div align="center"><span style="color:#996633;"></span> </div><div align="center"><span style="color:#996633;"><em>How would you ever know how much your payment is without calling every bank and mortgage company in town?</em></span></div><div align="center"><span style="color:#996633;"><em></em></span> </div><div align="center"><span style="color:#996633;">Easy.</span></div><div align="center"><span style="color:#996633;">Visit a reliable mortgage calculator like can be found at <a href="http://www.kashmortgage.com/">www.kashmortgage.com</a></span></div><div align="center"><span style="color:#996633;">Input your numbers and proposed interest rate or even the rate you hope to get and you will get a payment quote. It is free and you will not be contacted, unless you request it. </span></div><div align="center"><span style="color:#996633;"></span> </div><div align="center"><span style="color:#996633;"><em>It all seems confusing? Are there any tips on how to know where to start?</em></span></div><div align="center"> </div><div align="center"><span style="color:#996633;">Here are some tips:</span></div><div align="center"><span style="color:#996633;">1. Find out your score or at least know your credit profile. Example: when you last were late on a mortgage payment, the last collection account you had, if you have been late on anything in the last 12 months. Have you had a bankruptcy in the last 10 years, if so-when was it filed and if discharged, know the exact date when. </span></div><div align="center"><span style="color:#996633;"></span> </div><div align="center"><span style="color:#996633;">2. Be honest with the lender exactly what you are looking for.. the lowest rate, the lowest payment, no out of pocket expense. If you arm your mortgage lender with the exact requirements, they can do a more professional job for you and waste little of your time on offers that do not interest you.</span></div><div align="center"> </div><div align="center"><span style="color:#996633;">3. Do not apply with the big, impersonal lenders like lendertree.com and the like. </span></div><div align="center"><span style="color:#996633;">They may get you several calls, but you will likely be badgered to give your personal info including your social security number over and over again. </span></div><div align="center"> </div><div align="center"><span style="color:#996633;">4. Choose a lender in KY that has a good reputation. If they are not a BBB member (<a href="http://www.bbb.org/">www.bbb.org</a>) , do not deal with them. If they are not a member of the Ky Mortgage Brokers Association (<a href="http://www.kmba.net/">www.kmba.net</a>), do not deal with them. Choose carefully. You want the lenders above because they are committed to excellence, service and a high degree of ethics. All KY mortgage broker loan officers must be licensed. This is not true of the banks or of some of the largest .com lenders. Absolutely ask if your loan officer is licensed with the Commonwealth of KY. If they say yes, they have gone through FBI fingerprinting, continuing education and are monitored. </span></div><div align="center"><span style="color:#996633;"></span> </div><div align="center"><span style="color:#996633;">5. Ask your loan officer how much experience they have in mortgage lending. If they do not have 2 years experience, ask for another more experienced loan officer. </span></div><div align="center"> </div><div align="center"><span style="color:#996633;">6. Check out the company that you wish to deal with on their website. Make sure they have a website and an actual location in Kentucky. </span></div><div align="center"> </div><div align="center"><span style="color:#996633;">If you need other helpful hints, please email me at <a href="mailto:teresa@kashmortgage.com">teresa@kashmortgage.com</a> or visit me at our website at <a href="http://www.kashmortgage.com/">www.kashmortgage.com</a> where you are welcome to apply 24/7, 365 days a year. </span></div><div align="center"><span style="color:#996633;">Feel free to post before you leave. I hope the info helped and I truly hope you find just the right mortgage at just the right time. </span> </div><div align="center"><span style="color:#996633;"> </span> </div><div align="center"> </div><div align="center"> </div><span style="color:#996633;"></span><br /><span style="color:#996633;"></span><div class="blogger-post-footer">ALL info is to the best of my knowledge and due to time sensitivity, it cannot be warranted or guaranteed.<img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2136519821849657975-6722660998954417257?l=kentuckymortgage.blogspot.com' alt='' /></div>Kentucky Mortgages Experthttp://www.blogger.com/profile/16558219132007350454noreply@blogger.com0