Attn: ALL homeowners and real estate agents, with current loan amounts between $417,000 and $625,500 this is for you, for a limited time All Non- Conforming loans will be priced at Conforming Rates. What does that mean to you?? How does Saving Thousands $$$,$$$. $$ Sound! Let me explain: Example - Your Current Non- Conforming loan with a rate of 5.875% with a loan balance of $600,000.00 with 25 yrs remaining on current loan – Current Monthly Principal & Interest Payment of $3,549.23. Current interest to be paid to bank over the next 25 years if your loan is “not” refinanced and rate remains at a 5.875% interest rate= $546,027.75 Caroline’s Option #1- Refinance to a new loan 30 yr fixed new note rate of 4.75%- with No Broker Points. New Monthly Principal & Interest Payment $3,129.88- Monthly Savings $419.35 New interest to be paid to bank for life of loan if loan with new refinance $ $526,758.25 vs. $546,027.75= providing a New Life interest Savings of $19,269.50 Caroline’s Option #2- Refinance to a new loan 25 yr fixed new note rate of 4.75%- with No Broker Points. New Monthly Principal & Interest Payment $3,420.70- Monthly Savings $128.53 New interest to be paid to bank for life of loan if loan with new refinance $ $426,211.25 Vs. $546,027.75= Providing a New Life interest Savings of $119,816.50 Caroline’s Option #3- Refinance to a new loan 20 yr fixed new note rate of 4.625%- with No Broker Points. New Monthly Principal & Interest Payment $3,836.50 - Monthly Payment Increase $ 287.27 New interest to be paid to bank for life of loan if loan with new refinance $320,760.01 vs. $546,027.75= providing a New Life interest Savings of $225,267.75 *** With only paying $287.27 more per month you are able to save $225,267.75 on interest for life of loan and reduce your current loan terms by 5 years. Caroline’s Option #4- Refinance to a new loan 15 yr fixed new note rate of 4.00 %- with No Broker Points. New Monthly Principal & Interest Payment $4,438.13- Monthly Payment Increase $888.90 New interest to be paid to bank for life of loan if loan with new refinance $ $198,862.96 vs. $546,027.75= Providing a New Life interest Savings of $347,164.79 *** With only paying $888.90 more per month you are able to save $225,267.75 on interest for life of loan and reduce your current loan terms by 10 years. Rates are subject to change daily and with the rates on the continued rise we need to act fast, the above loan example is based on 740 fico score, 80 ltv and with providing full income /asset verification! The above rates/terms also apply to new Purchase loans, So AGENTS send me your current open escrows and have your new clients be pre- approved by me. Your clients will love you and thank you for helping them save thousands on avoiding paying Broker Points! To get started it is as Easy as 1, 2, 3. Step 1. - Go to my website at- wfhm/loans/carolina-garcia - Click on get Personal Consultant and complete quick questionnaire Step 2 Gather the requested items needed to complete Application and lock in rate. - Most Current Pay Stub (Covering most recent 30 day period) for each applicant - Last (2) years W-2 or 1099 form for each applicant - Documentation to support other sources of income such as retirement, social security, pension, disability income (award letter) for each applicant - Last (2) months statements for all assets accounts: checking, savings, 401k, investments (must include all pages) for each applicant - Copy of homeowners policy for all properties owned. Step 3- Fax over all requested items within 24 hours of the time the online application was completed. The direct secure e-fax number is (866) 967-9972 or email to carolina.garcia@wellsfargo, A delay in receiving any of the requested items can delay your file from being locked and risk your rate not being locked. I am dedicated to providing you with an outstanding experience and I value your feedback. Please do not hesitate to make me aware of any questions, issues or concerns you may have. Thank you- Caroline Garcia
Posted on: Thu, 22 Aug 2013 19:53:49 +0000
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