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Loan Depot Headquarters
Fixed Rate Mortgage Center!
30 Year Fixed Mortgage Rate to be
4.5%?
Will it come back in 2010?
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March 10, 2010
WELCOME to my company website!
As I mentioned in the previous newsletters, I would recommend for every homeowner to get a fixed rate mortgage if you don't have one at this time. Control of the carrying costs of your home as well as containing monthly expenses are the most important things in today's economic environment.
LOAN DEPOT, subsidiary of Pacific Bankers Mortgage Group, is proud of delivering Fixed Rate Mortgage Loans to Bay Area homeowners for almost twenty years. Many of our clients have paid off their mortgages with our 15 Year fixed loans, and many of them will pay off their loans soon. Think about the stress relief and great comfort in knowing that you own your home free and clear, and you do not have any more payments to make on your home!
Once your mortgage rate is fixed, you know exactly how much your payment is every month, every year. You can see on our Rate Sheet page that we only put two products on it: 30 Year Fixed Loan and 15 Year Fixed Loan. That's it!
Although we have numerous loan products to offer our clients, you do not need anything else at this time with the market as it is. As a matter of fact, I would recommend a 30 Year fixed loan only. Why? Because you do not have to commit yourself to a higher payment every month as with the 15 Year loan. But you can also flexibly pay off a 30 Year fixed loan in a shorter term, even in 15 years, if you choose to.
When you contact our company, the first thing we do is not try to sell you any loan, but provide you consultation to find out what is best for your personal situation. We will give you our best recommendation and assist in making the right decision....for you.
We use the best high tech processing methods available. We can obtain an online approval result in 8 seconds after we upload the loan in our system. With our very experienced loan officers, once we have initial conversation with you, we can immediately point you in the right direction.
Please browse through our website. We have the Mortgage Calculators for you to find different payment scenarios. Please don't forget to print out the detailed reports from that section. We also include the important Daily Real Estate News to keep you informed of the current real estate and mortgage market. You can also get some market insights from the Daily Rate Lock Advisory page.
There are two videos on the website, "How to Sell your Home" and "9 Steps to Ownership". I hope you will find them useful as well. Do not forget to use the "Home Price Index" page to find the value of your home even if you are not thinking about selling it.
If you have any questions, we will be happy to answer them. We look forward to hearing from you soon.
Best regards,
David Lin, President
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