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HAHAHahhahHAhahh - I needed that.
Cheered me up almost as much as oil's jump today -
COME ON $140 !!!!!!!!!!!!!!!!!!!
BTW - You need to tweak your website for the cut-and-paste advice. Wells Fargo shows up a few times before you on Yahoo - And you barely made the first page on Google...
Thanx, Danny
Lender rating
Since January 2009
These boards are not for shameless self promotion....although you have excellent writing skills!
Gotta update your lender list:
We represent you in your quest to get the best loans & refinance rates!
We negotiate the best fixed rates, refinance loans and home purchase loans at America's top Banks and Financial Institutions.
Wells Fargo®, CITI Bank®, CITIMortgage®, Option One®, CHASE®, CHASE Wholesale Lending®, Washington Mutual®, Ever Bank®, Credit Suisse®, Flagstar Bank®, Equifirst®, Indymac®, First Horizon®, Emigrant®, Encore®, Countrywide®, World Savings®, SunTrust Bank®, Bear Stearns®, Citi Residential Lending Inc.®, etc…
Dear Mr. Iglesias,
Is the above-listed story about a Broker who has changed h is ways? Is this really one of those long drawn out riches-to-rags story about a Broker who misled his clients into a vrummy loan with the promise of refinancing him after 3 years with the newfound equity and riches. Also, if it were me, I would not "prominently" displau Option 1 and Bear Stearns as partners,. It really just highlights the fact that you are a major reason we are cleaning up aisles 13, 14 & 16 of this mortgage emess. So, Moses... you led your clients into this disaster and now you have the most experience to lead them out.. Just curious?? Why didn't you just put them in a FNMA 90% FIXED MORTGAGE 3 years ago? Rates are no better today + the added bonus of no additional closing costs. Your rhetoric reminds me of "To catch an online predator stuff on NBC" where the offender als runs a teen mission home... 1/2 your buddies are BK... Very very amateurish. I take it either your office staff gave you KUDOS or your family. Bring real information here to help people and not just the one's you jacked. Pathetic and I'm hopin to outrun Andrew's lead of "8" No help clicks. We should be commended for pointing out the talking out of both sides of mouth folks liek you. Shameful, but keep rockin'.
Lender rating
Since January 2009
I have to admit, this sales pitch is one of the weakest ones I have seen.
If you must spam, at least make the spam GOOD.
Lender rating
Since January 2009
I find it most comical at the number of people that voted it as "helpful". I have NEVER seen that many votes even for the most useful commentary as most pople don't pay much attention to that. It makes you wonder how many times he voted for his own comment and it seriously calls into question ones ethical standard, ones moral fortitude and ones mental stability.
Just my $.02, your mileage may vary, don't try this at home and don't use heavy machinery or operate a vehicle after reading.
GVD,
That
GVD,
Thatis
I only got 1 of 4 good votes. : (
GVD, Whatever just heppened, I don't know, but it is very alarming that so many people "clicked helpful" under the first post. However, the comments might be helpful and some consumers find the broad info helpful, or it might be his family clicking away like some of the fake reviews uncovered on this site. Taking that point a little further, I think it is very important for a consumer to find out the company your Broker kept during the heyday of the subprime lenders. Community Acceptance Mortgage is and was a proud partner of 2 of the worst mortgage subprime lenders in our history, OPTION ONE and Bear Stearns. Both companies are no longer independently open. With that said, some Brokers elected to utilize those types of mortgages to "capture the market" and there were others who believed those mortgage types were dangerous. Finally, a Broker can't be an expert in subprime lending in high-risk loans AND a FNMA "A" paper fixed rate specialist. It is simply not possible. Mercedes and YUGO are both automobiles, but it would be very rare and I would put money on impossible that the Mercedes owner takes his car to the YUGO dealer for service. Same with doctors.. You have 2 doctors. Both are smart and went to MED school. 1 is a podiatrist and the other is a cardiologist. You have a heart attack... Who is better served to help you. Using "a JACK OF ALL TRADES" Broker is asking for trouble. If you have excellent credit, why would anyone choose to trust their business with a Broker that "also" specializes in shortsales and foreclosures and poor credit. There are a lot more people "changing their stripes" as the market has changed its view on subprime and Maybe you should stay away from them. Keep rockin'.
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| Average Rates | Today | Last Week |
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|---|---|---|
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The Right Chemistry! When Shopping for a Home Loan or Refinance Loan
Enrique Herbella, "Community Acceptance"
Mortgage Lender
Lender rating
5.0/5.0
View ratings and reviews
Contributions: 14
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Buying a home is one of the most important investments most couples will ever make and one that deserves special attention. Considering that you and your mortgage will be together for many years, shopping for a mortgage is a bit like proposing marriage. It behoves you to put a lot of thought into it before tying the proverbial knot.
Let’s revisit the moment you fell in love. The new home had everything you wanted. It was in move-in condition, and, while slightly above your budget, it had all the amenities that you’d stipulated on you “must-have” list. You were fairly tight, and only had 10% to put down (your life savings) but the agent “found a way” and introduced you to a lender who offered you an adjustable-rate mortgage (ARM) allowing you to manage the monthly mortgage payments. As a safety net, you thought you could borrow against the rising value of your house when the new rate kicked in.
Three years have gone by and the second phase of the ARM is about to begin. You now face a much higher mortgage payment, higher property taxes and higher insurance premiums. And with house price appreciation slowing, and a baby on the way, you are starting to feel desperate.
In any situation, you deserve to be treated like the unique person that you are, with respect, patience and professionalism. Go online and punch in “best fixed rate mortgage specialists” and start the due diligence process. Look for a mortgage broker that gives you choices right from the beginning. If the broker appears pushy or intent on talking you into a particular type of mortgage right from the start, you should probably steer away. Your gut will tell you if the person you are evaluating is someone you want to work with for the next month or two. Ask yourself if this is someone you would feel comfortable referring to your loved ones.
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