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

For Sale: 3811 Antioch in Carrollton

Property Type  :  Single Family Home 
Status  :  ACTIVE 
Subdivision  :  Villages Indian Creek Ph 02 
 Year Built  :  1993   
 
——————————————————————————–
 

Property Description: 
Every inch of this home has been completely renovated. Upgrades like a new custom home! Gleaming hardwoods, fresh, neutral paint, faux finishes, slab granite countertops, picture vanities, iron balaustrades on stairwell, and even a FB in the gameroom. This home has it all! For complete listing of renovations, view my website. Just minutes from Dallas tollway and 121, easy access to night life. Nestled in tree lined neighborhood in cul de sac. 

——————————————————————————–
 

Room Dimensions: 
Garage: 20 X 18
 Bedroom 3: 11 X 11
 Bedroom 2: 11 X 10
 
Master Bedroom: 15 X 13
 Kitchen: 12 X 10
 Dining Room: 11 X 10
 
Living Room: 17 X 14
  
 

——————————————————————————–
 

Property Features: 
Solar Screens
 Cul de Sac
 Washer and Dryer
 
Wood Fireplace
 Walk-In Closet
 Traditional Style
 
Loft
 Game/Recreation Room
 Public Sewer Service
 
Fence
 Central Heating
 Ceiling Fan
 
Vaulted Ceilings
 water: PUBLIC
 Carpet Flooring
 
2 Stories
 Composition Roof
 Enclosed Patio
 
Attached Parking
 Fireplace
 Gas Fireplace
 
Wood Floors
 Tile Floors
 Slab Flooring
 
Brick Exterior
 Water Softener
 Water Filtration
 
Range/Stove/Oven
 Microwave
 Dishwasher
 
Community Recreational Area
 Central Air
 
 

——————————————————————————–
 

Local School Districts: 
School District: Lewisville ISD
 High School: HEBRON
 Jr. High: CREEKVALLE
 Elementary: HEBRONVALL
 

——————————————————————————–
 
Data Source  :  NTREIS 
Last Updated  :  1/19/2010 2:01:58 AM 

——————————————————————————–
 
Listing courtesy of Amy Arey; Bill Griffin Real Estate. Information is deemed reliable, but is not guaranteed. The information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Contact me for a showing appointment or additional details: 214.901.1341 or aa@suburbanstreetsrealtor.com.  Visit my website on how to obtain the first-time home-buyers tax-credit OR the existing home-buyers tax-credit.

——————————————————————————–
 
Page Served: 01/19/2010 04:36:55  © 1995-2010 1parkplace.com, Inc.
   Privacy Policy

January 1, 2010, the new and improved Real Estate Settlement Procedures Act of 1974 (RESPA) began. Considering this is the first sweeping change in the home buying process since 1974, it is worthy of our full attention. The new RESPA means more than new forms-it means major changes in the way real estate closings happen.

The key motive of RESPA’s new rules is to make sure consumers understand loan costs and binding parameters before singing the closing statements.

With mountains of paperwork at the closing table, there is little chance that borrowers are going to spend the many hours necessary to wade through the documents. What’s more, borrowers, especially would-be first-time homeowners, may be intimidated by the process and miss the opportunity to seek competing settlement services that could save them money.

RESPA wants to make it easier for borrowers to shop for the lowest-cost, most convenient closing services by mandating borrowers receive a written list of settlement service providers. That comprehensive list includes closers, appraisers, real estate brokers, title examiners, attorneys, underwriters, pest inspectors, mortgage insurers, loan processors and other settlement service providers.

Since borrowers will receive a laundry list of competing settlement service providers, they may be inclined to shop around for the best price, even if it only means saving a couple of hundred dollars.

This is the crux of the matter as it relates to real estate practices and comes in the wake of industry abuses. Some in the real estate industry have received kickbacks for referring consumers to mortgage brokers, appraisers and other professionals along the road to homeownership. In some cases, those referrals may not have been in the best interest of the homeowner based on price or serviced provided. In other cases, the real estate agency owned the title firm or the appraisal firm at non-competitive prices.

The good news is, HUD announced that that it will be lenient in the first 120 days of enforcement of the new RESPA regulations going into effect January 1, 2010 so long as good faith efforts are made to comply.

For more information on building, buying, selling or leasing commercial or residential property anywhere in the world, contact Nicole Tucker, licensed agent with Keller Williams, Dallas Preston Road office at 972-992-8204 or visit my website at http://www.NicoleRE.com.
Nicole Tucker ~ Making Real Estate Real Easy!

I think if we give you a heart transplant it will solve your corn problem.

Does the title sound like a silly question? I don’t think anyone would answer “yes” to the titles question. But what do a podiatrist and a heart surgeon have to do with reverse mortgages? Is this like some silly riddle? No, the answer is, “absolutely nothing”, unless of course they are eligible and wish to apply. But it is the question that is my point.

Recently, I have read numerous articles about reverse mortgages in our local paper, none of them written by a licensed originator and none of them accurate. Do you see where I am going with the question? But the shame of the matter is that the source giving the information is presented as knowledgeable. Whether stated or implied by his designation, the average consumer would expect the source to be qualified because their advice has been put into print in a publication. And the truth of the matter is that what consumers read in the newspaper, they tend to believe, they look to their newspaper as a credible source of information. The St. Petersburg Times is no exception, if you subscribe, you probably accept what is published as “the truth”.Yet this can be far from it and you won’t read retractions on the front page, if they are even printed at all.

Earlier this month, the St. Petersburg Times ran a column by Scott Burns, a Chief Investment Strategist for Asset Builder out of Dallas, Texas. I know this because I looked him up online. In all of the information I was able to find on Mr. Burns, I saw no mention of his knowledge on Reverse Mortgages. However, he willingly made statements and gave advice on the product to a couple who currently have a mortgage and wanted to know if a reverse mortgage would be a viable solution to their cash shortage. Rather than admitting a lack of knowledge on the product or consulting with a licensed reverse mortgage expert, Mr. Scott choose to answer the question with erroneous information. Anyone who read the article and assumed that Mr. Scott was qualified to provide this information not only will have misconceptions, they may pass along what they read and create a snowball effect of more inaccuracies.

From the beginning with Mr. Burns statement regarding why people get a reverse mortgage to the final coup de grâce surmising current mortgages, the article was riddled with misinformation. Mr. Burns advised, “For you, a reverse mortgage would not be enough to pay off your existing mortgage, but it would provide a monthly payment almost large enough to cover your mortgage payment.” First of all, as a licensed Reverse Mortgage expert, I ran the scenario based on the information provided in the clients question. It was no surprise that the numbers would work well for the couple in question, thus eliminating their current mortgage. But the statement was also misleading by implying that the recipients could use the proceeds of the reverse mortgage to help them cover their current monthly mortgage payment. First and foremost, the current mortgage would be paid off with the proceeds and thus eliminated, hence there would never be a monthly payment.

After contemplating the damage done by such articles and the current needs of many seniors that I encounter, I thought it would be best to set the record straight with the editor of the section which printed this column. I made a well intended call and voiced my concerns as well as the correct information. Although I attempted to pass this along in a warm and friendly manner, I was met with a brick wall. Hence I gather the St. Petersburg Times is not interested in printing retractions that would provide seniors and other readers with correct facts.

So, back to my question, “Would you go to a Podiatrist for a heart transplant?” Of course not, nor should you ask for advice in regards to a reverse mortgage from a novice or an unlicensed and inexperienced non-professional. Should you consult with a financial advisor you know and trust? Yes, it is always encouraged, but get the details and facts from a licensed Reverse Mortgage Broker and expert like myself. Be properly informed and retire better. I am always more than happy to receive your calls and set the record straight.

WASHINGTON (Associated Press) – Guidelines for short sales to help homeowners who need to sell their houses but cannot secure contracts at a high enough price to pay off their mortgages have been revised by the Treasury Department.

The plan was created to aid homeowners whose income or debt is too low to qualify them for a loan modification under the Making Home Affordable program. The plan establishes timetables, a standard process and documents, and cash incentives for participation.

The new guidelines require the:

• property be the homeowner’s primary residence;
• homeowner be delinquent on the mortgage or likely to default;
• loan was made before Jan.1 this year and is less than $729,750; and
• borrowers’ total monthly mortgage payment exceeds 31 percent of their before-tax income.

The guidelines are expected to reduce paperwork by requiring mortgage companies to use the financial and hardship documents submitted by borrowers seeking a loan modification. To speed up the approval process, mortgage companies will have to approve short-sale terms, including the minimum listing price, before the house is put on the market.

Mortgage companies will be required to offer the program as of April 5, 2010.

For more information on building, buying, selling or leasing commercial or residential property anywhere in the world, contact Nicole Tucker, licensed agent with Keller Williams, Dallas Preston Road office at 972-992-8204 or visit my website at http://www.NicoleRE.com.
Nicole Tucker ~ Making Real Estate Real Easy!