OCTOBER 2009
Neighbors NEWSPAPER
PAGE 5
Leisure, Corporate & Insurance Rentals
Budget delivers!
WHATEVER YOUR VEHICLE NEEDS REQUIRE.
DISCOUNTS FOR TEAM SPORTS.
SUPPORT LOCAL BUSINESSES.
2 CONVENIENT LOCATIONS TO SERVE YOU
Temecula Lake Elsinore
27645 Jefferson Suite 113, Temecula, CA 92590 291 San Jacinto Road, Lake Elsinore, CA 92530
Phone: 951.694.0267 • Fax: 951.695.9052 Phone: 951.245.9670 • Fax: 951.245.4970
Hours: 8am-5:30pm M-F, 8am-2pm Sat., 9am-1pm Sun. Hours: 8am-5:00pm M-F, 8am-3pm Sat., 9am-1pm Sun.
WE ARE A
SMOKE FREE FLEET
OPEN
SUNDA
YS
SHORT PAY RE-FINANCE
Let Us, The Professional, Negotiate For You & LOWER YOUR PRINCIPLE!
COMPARISON TO THE LOAN MODIFICATION PROGRAM
Both these programs, Short pay Refi & Loan Modifi ca-
Short Pay Re-Finance A Short-Pay Refi nance; I take a completely
tion, are designed to help homeowners who have nega- This is a new loan
new FHA 30 year fi xed rate loan, I get com-
parables from the Title Company to come
tive equity in their homes due to the changing real estate
Must Qualify by FHA Guidelines
up with the current value of your home
market. In general, Short Pay Re-fl ’s are for the hom-
Need Good Credit and submit fi le to a new FHA Underwriter.
eowners who are upside down in their homes, want to
Need Credit Score of 620 +
Once your loan is approved we order an ap-
keep their home and have good credit In a way, it is like praisal to go with the fi le and forward to the
Must Be Current on Mortgage
reselling their home back to themselves at a lower price.
Negotiator. She then works on having your
A Loan Modifi cation is for those who are in fi nancial
Mortgage Lates 0 in last l2 mos existing Lender lower your principal. We
Total Cost out of pocket is $425
are having great success with several Banks
trouble but still want to keep their home. The fi nal so-
and some Banks on our list are not partici-
lution before foreclosure is a Short-Pay Refi nance or a No Equity is Required
pating at this time. We have been lowering
Loan Modifi cation. Which is better for your situation?
Upside Down is OK loan balances as much as 50% +.
★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★
CALL: KATHY COURTNEY
3646 Hamner Ave.
Norco, CA 92860
D.R.E. Lic#01244890
951-639-7156
tailormademtg@verizon.net
MENIFEE D.R.E. License # 01060032
LOCAL LOAN REP SINCE 1988
LOAN MODIFICATIONS, FHA, VA, CONVENTIONAL,
REVERSE MORTGAGES AND PURCHASES
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