PrimeBenefit is Dedicated to Unions

The PrimeBenefit team of PrimeLending is committed to helping union members save money every time they buy or sell a home, refinance their current home, and more.  We have partnered up with www.Unions.org to offer special pricing that is exclusive to union members.  First let me tell you a little about us and how the program works.

Headquartered in Dallas, Texas, PrimeLending is a leading residential mortgage lender that provides homebuyers mortgages without obstacles. Established in 1986 by Chief Executive Officer Roseanna McGill, PrimeLending has grown from a staff of 20 individuals producing $80 Million in annual closed loan volume to a family of over 1,500 members producing in excess of $2.45 Billion annually.

In addition to the corporate office located in North Dallas, PrimeLending has expanded to over 150 branches across the United States including Arizona, California, Colorado, Connecticut, Florida, Georgia, Kentucky, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Tennessee, Texas, and Washington and is licensed to originate and close loans in 49 states.

The goal at PrimeLending is to provide unsurpassed quality service and support throughout the entire mortgage process for every client and referral source. This proactive sales and operational philosophy simplifies and accelerates the loan process at all levels. The company’s knowledgeable mortgage professionals are dedicated to making every customer’s home loan experience a positive and successful one.

PrimeLending decided they could take it one step further and develop a complete PrimeBenefit program which would help union member save money throughout the entire buying process of a home.  This is why the PrimeBenefit program is so powerful.

I would like you to first watch the following 30 second commercial and then I will go through the savings in detail. Commercial The PrimeBenefit Program is broken down into 5 parts:

1)      Real Estate Rebate – Every time you buy or sell a home your will receive a 20% rebate check from your Realtor commissions for using one of our network realtors.  You don’t have to worry.  We only use the best and have to be proven producer and they work for large companies like Caldwell Banker and Chapman Richards for example.

2)      Lender Discounts – Just for participating in the PrimeBenefit program you get 20% off of all lender fees.  In addition to that you will receive an extra .25% off your origination fee.  PrimeLending as we have already covered is one of the nation’s leading lenders and when it come to rate and price we will make sure you get the best rate and program for your needs.  Every loan is a little different as everyone’s situation is a little different, but know this; we are not just here to earn you business today but to be your lending partner for life.

3)      Insurance Discounts – The next discounts you receive are through Liberty Mutual on your homeowners and auto insurance.  For first time home buyers, homeowners insurance is a new thing so we will make sure that you have this option for getting a good deal on insurance.

4)      Moving Discounts – We have partnered up with different moving services such as Van Lines and SAMS to offer you discount on moving when it comes time to move into your new home.

5)      Home Warranty – Finally we have partners with one of the leading home warty company companies to offer you a great price on a home warranty that will cover more for less.  This company will cover item most item that other warranties exclude like roof leaks, washers and dryers, and more.

As you can see this is a pretty inclusive package.  As a union member there is no reason you should not take advantage of it.  I know you have wondered; how much does this cost?  The answer to your question is NOTHING.  That’s right it’s free.  It’s our way of saying thanks for all the work you do for us.  To register for the program click here.  Make sure to email me if you have any questions or call (877)835-5588.

Sam Ashton

PrimeBenefit Specialist

(877)835-5588

sashton@primelending.com

MORTGAGE fraud continues to expand, in both the number of incidents and the methods that criminals use to strip equity from homeowners and lenders. Now a new online service offers free help to keep homeowners safe from an emerging form of fraud known as “house theft.”

Like other real estate Web sites, this new service, called ePropertyWatch.com, provides informal home appraisals and other information to help track neighborhood real estate activity. But unlike the others, it also monitors public documents associated with a home and promises to alert homeowners to possible criminal activity, like a forged deed that purports to transfer a home’s title in order to release an existing mortgage.

In this form of fraud, thieves take “ownership” of the home so they can “sell” it to nefarious associates who have taken out another loan on the property. The “seller” then splits the sale proceeds with the fraudulent buyer.

Industry analysts called ePropertyWatch’s service a useful tool for homeowners, though it is being offered only in major metropolitan areas right now.

EPropertyWatch is owned by First American CoreLogic, a company based in Santa Ana, Calif., which, among other things, collects real estate and mortgage data from municipalities and sells it to businesses.

Reported cases of mortgage fraud over all jumped 36 percent during the 2008 fiscal year, from the previous 12 months, to nearly 64,000 incidents, according to an annual report released in July by the F.B.I.

Although house theft, or “title theft,” is less common than other forms of mortgage fraud, Ann Fulmer, the vice president for business relations at Interthinx, a fraud-prevention company that contributed data to the F.B.I. report, said it was “incredibly easy to do.” This type of fraud is most prevalent in cities with many vacant properties, like Detroit and Miami, she said.

Users register for the ePropertyWatch service by identifying their home’s address and then choosing their name from a list of randomly generated made-up names, to help ensure that only the true property owner registers on the site.

Brad Strothkamp, an analyst with Forrester Research, a research and consulting firm in Cambridge, Mass., said the fraud detection service was particularly helpful.

“It’s so difficult to get this type of information from such a reputable source,” he said, referring to both the fraud detection and the automated appraisal information.

To estimate a home’s value, ePropertyWatch uses information like nearby home sales and recent property appraisals, among other data. That informal appraisal, said Michael Maron, a senior vice president with First American, will typically be within 10 percent of the home’s actual market value.

The Web site also shows recent sales and foreclosures in the user’s neighborhood, as well as long-term changes in the median sales price of the ZIP code. Users can sign up to receive an e-mail message whenever a new lien is placed on the home, for instance, or when their assessed value changes by any amount the homeowners deem significant.

Mr. Strothkamp said consumers might use the site’s automated appraisals to help them cut their property taxes. Mr. Strothkamp, who lives in Northern California, said homeowners in areas with declining property values could collect evidence and present it to their local tax assessor as part of the formal challenge process.

There is one weakness in the service that will affect a significant number of homeowners. Namely, it covers only major metropolitan areas, so residents in outlying areas cannot yet register for the service because First American does not have enough reliable data on such areas.

Some suburbs like Westchester County, for instance, are not yet covered, while others, like New Haven County in Connecticut, are only partly covered.

Check out Premium Properties Sarasota for all of your Sarasota real estate needs.

Reverse mortgages growing in popularity – The Connecticut Post Online.

Reverse mortgages are making a big difference the the lifestyle of our seniors.  Read what a difference it made to 64 year old Dee Lewis.

If you have more questions about a reverse mortgage or would like to find out what a difference it could make in your life, contact me today or visit my website Reverse Mortgages in Tucson.

Even the most dyed-in-wool Democrat has to admit that the major promise of Nancy Pelosi and company in 2006, that is the promise to rid D.C. of the “culture of corruption,” has been utterly and completely broken.

And despite Barack Obama’s promise to bring change to D.C., he only brought with him the business as usual Chicago-politics style.

Take for example Senator Chris Dodd (D-CT). He is in deep trouble thanks to some whistle-blowers who have exposed him. But, contrary to the campaign promises of 2006 and 2008, the Dems are taking no action to get rid of the corruption that Dodd represents.

Michelle Malkin has this:

And what does Obama do in response to this evidence of corruption? Read on:

So far, Obama has not withdrawn his support.

But it isn’t just Dodd that is a problem. Many Democrats have their own corruption issues, none of which are being addressed by a president who made a campaign promise to address such things.

More:

And let’s not forget Tim Geithner who failed to pay taxes.

The Democrats, rather than nobly standing up to the corruption in D.C. (including that within their own party) are instead hypocritically engaging in the very corruption they promised to fight!

Obama, Pelosi, Reid and other Democrats have transformed the “culture of corruption” into their own “culture of corruptness.” Dems, instead of draining the cesspool, have jumped in and started splashing around.

You can access the complete column on-line here:

Dodd And Obama: Corrupt Birds Of A Feather
Michelle Malkin
TownHall.com
July 31, 2009

Give him credit for trying again.
Sen. Johnny Isakson has reintroduced a bill that would give home buyers a tax credit worth 10% of the purchase price of a home up to $15,000. The Georgia Republican unsuccessfully tried to get the credit inserted into the $787 billion stimulus package that went into law in February. Congress instead opted for extending and boosting an existing credit, worth up to $8,000, for first-time buyers. That credit is set to expire Dec. 1.
The proposed credit wouldn’t have income restrictions, unlike the current one, which phases out for individuals making more than $75,000 and couples making more than $150,000.
The legislation already has co-sponsors from both parties, including Senate Banking Committee Chair Christopher Dodd, a Connecticut Democrat. In February, congressional budget estimates figured that the $8,000 credit for first-time buyers would cost between $2 and $3 billion, while the $15,000 credit would cost an additional $35.5 billion.
That’s a big hurdle for the bill. Lawmakers would have to justify a considerably larger subsidy for more affluent homebuyers.
Before serving in the Senate, Sen. Isakson spent more than 30 years in the real-estate industry. He opened Northside Realty in Cobb County, Ga., in 1967, and the brokerage later became Georgia’s largest independent residential real-estate brokerage, and one of the largest in the nation, according to Sen. Isakson’s biography.