SALT LAKE CITY UTAH MORTGAGE REFINANCE PROGRAMS ISSUED BY OBAMA

Refinance Opportunities Now Available to Those Who Lack Sufficient Equity
The Obama Administration unveiled the final details of its "Making Home Affordable Program," which is designed to help up to 9 million American families refinance or modify their loans to a payment that is affordable now and into the future. One of the initiatives in this program is aimed at helping responsible homeowners "refinance" their loans to take advantage of historically low interest rates. Here are some common Questions and Answers about the Refinancing Initiative in the program.
Who is eligible?
You may be eligible if:
•You own and currently occupy a one- to four-unit home.
•Your mortgage is owned or controlled by
Fannie Mae or Freddie Mac
•You are current on your mortgage payments.
•The amount you owe on your first mortgage is about the same or slightly less than the current value of your house.
•And, you have a stable income sufficient to support the new mortgage payments.

CLICK HERE : ADDRESS LOOK UP TOOL FOR FREDDIE MAC OR FANNIE MAE


DANIEL PARIS
APPLY ONLINE AT www.utahlowrate.com

Professional Mortgage Loan Specialist
Christian Roberts Mortgage

512 E Winchester Plaza
Murray, UT 84107

(801) 604-4949 mobile
(801) 716-5237 office
(888) 880-3472 direct fax
danparis02@hotmail.com

BROKER VS BANKER FOR MORTGAGE LOANS IN UTAH!!!!!

A broker will always be able to offer lower 30 and 15 year fixed interest rates for a home purchase or refinance loan , the local and larger banks do not have to be as competeitive due to the loyal patrons that do their banking with these institutions.

The Banks count on this loyalty in hopes that most of their patrons look to them as the best priced bank and there is no need to shop for a better mortgage rate , so with about 80% of people thinking this way , they will never shop a rate, not realizing that a mortgage broker can always get a lower mortgage rate.

Brokers are an elite group of peoepl who have spent there careers , educating themselves and aligning with the best priced wholesale banks in the United States . You will always be able to contact a broker any day of the week even after 5:00 pm versus dealing with an hourly employee of a bank when they are usually closed or it might be their day off, so in turn if their is an issue with your home purchase and the bank is closed and you have an emergancy that needs to be handled after normal buisness hours , you can always count on a good mortgage broker to solve it.


OPEN 7 DAYS A WEEK 24 HOURS A DAY! (801) 604-4949 / DANIEL PARIS






DANIEL PARIS
APPLY ONLINE AT www.utahlowrate.com

Professional Mortgage Loan Specialist
Christian Roberts Mortgage

512 E Winchester Plaza
Murray, UT 84107

(801) 604-4949 mobile
(801) 716-5237 office
(888) 880-3472 direct fax
danparis02@hotmail.com

UTAH SHORT SALE SECRETS !

I am working on a short sale that was originally with COUNTRYWIDE . Well we all know what happened there.

Well after being handed off to Bank of America and then treated like a red headed step CHILDREN. Oh joy, oh joy!

Well for going on three months we have been beating our heads against the wall and just screaming in the dark.

So I got the idea to try and think outside the box. We started writing letters the sellers and myself. We wrote letters to our state senator, to our US senator, to the Bank of America corporate office and then for the heck of it to the Better Business Bureau. Well, low and behold during one of my daily calls to try and talk to someone with a modecum of intelligence I get put on hold for what I thought would be the usual five minutes so they can review the notes in the file and instead 10 seconds go by and the person gets back on the phone and says they need to transfer me to the "Office of the President" OK that is new. A few clicks and moments later I am speaking to someone in the office of the President the Customer Relations Department. It seems the one letter that shook the tree was to the BETTER BUSINESS BUREAU! Our file was assigned to a case worker and I was notified that the Short Sale department had been notified they had 48 hours to give us a negotiator if not then this person was authorized to call the VP and in 10 minutes would have us a negotiator. It only took 24 hours and we now have a negotiator.

So if you have been pounding your head into the wall simply write a good old fashioned letter and using "snail mail" send it off to the Better Business Bureau complaining about Bank of America/Countrywide's service.



DANIEL PARIS
APPLY ONLINE AT www.utahlowrate.com

Professional Mortgage Loan Specialist
Christian Roberts Mortgage

512 E Winchester Plaza
Murray, UT 84107

(801) 604-4949 mobile
(801) 716-5237 office
(888) 880-3472 direct fax
danparis02@hotmail.com