Michael Patterson

Have you lost equity in your home? Have you been doing the right thing and paying your mortgage on time, only to be frustrated by all of the low rates you can't take advantage of? There's hope now! With the new HARP 2.0 guidelines, we may be able to help you get better rates and build equity faster!

HARP 2.0 Guidelines and Eligibility Information

Do you really want to know today's rates are, or would you rather know what TOMORROW'S RATES WILL BE??

Have you ever wondered what actually affects mortgage rates?

The answer lies on Wall Street. Specifically with the trading of what are called Mortgage Backed Securities (MBS). The MBS bond market trading could result in a dramatically higher or lower payment when you're ready to lock in your rate.

We pay thousands of dollars per year to maintain an MBS real-time trading feed monitoring system. Combined with our analysis of economic reports and upcoming events in the markets, this system allow us to know first hand what is happening in the MBS markets in real-time... all in order to help you secure lower rates and protect you from costly market trading movements that affect your interest rate.

As a Direct Lender, we fund loans in 40 States. I personally run a Branch Office of Land Home Financial Services in Washington State and have been in the mortgage lending business as an originator for 11 years. [Read my BIO here]

We offer Conventional, Jumbo, FHA, FHA 203k Rehabilitation, USDA, VA, we are a Fannie Mae HomePath Approved Lender, as well as having a specialty niche in Manufactured Home Lending. We've been around since 1988 and have a very solid foundation. We have a fantastic secondary marketing department that enables us to secure our clients extremely competitive interest rates. Again, it's also knowing when to time the market right to obtain the best rates available for YOUR loan.

Feel free to check out our client testimonials!

I look forward to talking with you soon!

Best Regards,

Michael Patterson
Branch Manager
Email Me Here

Check out our Free Online Homeowner Workshops! We have classes on all kinds of subjects:

• 20 Things You Must Know Before Buying a Home
• 10 Secrets to Selling Your Home Fast... Even In a Down Market
• 25 Things You Must Know Before Applying For A Mortgage
• 5 Ninja-like Strategies to Help You Negotiate Like a Pro
• The Best Kept Mortgage Secret: USDA Guaranteed Rural Housing Loans
• and Many More!...

Register today and attend any or all of them, completely free with no obligation at the Homeowner University!

Legal Disclaimer: Equal Housing Opportunity Lender. Land/Home Financial Services, Inc. is a mortgage finance company and does not represent parties to Real Estate transactions or operate as a Real Estate company. Lender411 is a service of a third party vendor, is offered as a convenience service only, and should not be construed an endorsement of any particular company. Land/Home is not responsible for the information provided by Lender411. The accuracy of all information, regardless of source, is not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals. Use of Lender411 is not to be construed as a commitment to lend. Land/Home Financial Services, Inc. currently provides loans in 40 States. Some products may not be available in all states. Restrictions apply. Mortgage Lending in Washington State is authorized under WA Dept of Financial Institutions Consumer Loan License # CL-89331. Michael Patterson NMLS ID / WA MLO ID # 69386. Land/Home Financial Services is an Equal Housing Opportunity Lender and lends only in states we are licensed in.

Contributions to Lender411

Answered Questions Lender411.com: Can I do a HARP refi even if I had a LPMI late 2011? Apr 13th 2012 Lender411.com: Which MN lenders are participating in HARP 2.0? Mar 14th 2012 Lender411.com: What's the difference between a HARP 2.0 and a FHA Stream… Mar 14th 2012 more... Contacted consumers with following loan scenarios Washington, Home Purchase, Excellent Credit, Amount: $475,000, LTV 78% 28 days ago Washington, Home Purchase, Excellent Credit, Amount: $340,000, LTV 27% Feb 29th 2012