Raising funds for any organization is a challenge.  The energy and effort it takes for planning, implementing, motivating and follow-up of most fund-raisers is unbelievable.  However, we also understand the passion, drive and financial support it takes to keep your organization going.  Our Awareness Works 4 U program can help you with this daily need.

How do we do this?  With every home loan we close Awareness Home Funding donates $250 to our clients’ favorite non-profit organization.  Whether they are purchasing a home or refinancing, we ask everyone one, every time about their favorite organization.  After their home loan closes, you could be that organization who receives the $250 to use as your group needs.

What do you have to do? Let your supporters know about this opportunity and encourage them to talk about it with their family, friends and co-workers.  Anyone who may be buying a home or refinancing a home loan can participate and benefit you.

How else do we help?  First, Awareness Home Funding is competitively priced to continually offer high value to our clients and support to our charitable partners.  Second, our staff provides an impressive level of personal service to ensure a great home loan experience.  You and your supporters will not be disappointed.

How do you start?  Simply visit our website (http://awarenessworks4U.com) or call us toll-free at 866-98-AWARE (866-982-9273).  We will earn your trust with honest answers and put you in control of sharing our program.  It is that simple.  We look forward to adding your organization to our growing list of partnerships.

My mother used a “VA” loan to pay for our home. the interest rate is above 6% and she is looking to refinance to a lower rate. Now i watch many (money) shows but seein that i dont own a home, i never payed attention. Can you guys/gals give me a run-down of how to go about refinancing a home loan and some possible tips? thank you 

If she has a VA loan then have her call the company that holds her mortgage, see if she can get a lower rate with a new loan. They may offer some type of VA streamline refinance so it will be fast and easy and a lower rate for her.

Tel me some tips to get home loan promptly?

The first thing to do is get your credit report. You can get them free. You will need to see the scores, but for now, just check to see whats on them. Second you must realize your monthly income will determine how much of a home loan payment you can afford monthly. It should be about 28% of your Gross monthly pay. Just multiply your monthly income times 28. Third, read up on newpapers in your town on what’s selling and the prices. To simplify for now, multiply your annual income times 3.5 to get the total amount of a house you could buy, with good credit (over 620 score). Lastly, if you want to buy a home with no down payment, only go to those mortgage brokers who are advertising zero percent purchase programs. Have your last 2 years w-2’s, your last 3 months bank statements and paystubs for your last month handy. You may need NONE of these, or more depending on the loan program your broker qualifies you for. Obviously there’s a little more to it, but this makes you financially prepared.

Do you have any home loan tips on how to get more money for a home loan?

1. Improve your credit score. If you’ve got a credit card, use it a few times and pay it off on time CONSISTENTLY. That will show reliability in paying your debts. Let them know about any assets that they don’t know about that you might use as collateral — assuming you want them to have that information. Liquid assets like stocks, bonds, investment certificates, and old fashioned cash tend to be better than hard assets like houses for such negotiations. Hard assets like real estate aren’t worth much to a bank, as they can only recover their money if they can sell it, and that takes a lot of time and effort. 2. Have other financial products at that bank. If you’ve got your investments, insurance, and bank accounts through them, they’re more likely to offer you more, and give you a more favorable rate. A history of business with them will make them more comfortable about lending you money, and they obviously would prefer that you keep your financial business with them. Of course, if you only have a single small bank account with them, you’re not going to get much mileage out of this. Don’t expect any sane banker to offer you more than the equivalent of your high value assets in a loan. ie. doubling the money you have on hand. That’s typically the maximum you can get a loan for. How close you get depends on how confident they are that you’ll actually pay back the money. The only way you can really get more than that would be if you can find someone willing to co-sign for you. Basically a co-signer is someone who’s willing to be on the hook for paying back the loan if you don’t. I’m sure you can see why a lot of people would be reluctant to co-sign for someone.