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Michael Stephan's Blog

An Outstanding Mortgage Company
Updated Oct. 9, 2013
What Makes an OUTSTANDING Mortgage Company?. We suggest the following checklist to help you. Consistently Low Rates & FeesConsistently Great ServiceMulti-Lender PortfolioZero-Point ProgramsGreater Than 75% of Clients ReturnOpen Days, Evenings & WeekendsGood Faith Estimates Provided Before...
Application Method Survey
Updated Oct. 9, 2013
(and Refinance) . How did you do you last mortgage application (within 3 years)?. a. In Mortgage Office.. b. In Your Home (with Mortgage Rep). c. Online. d. Over the Phone. e. Hand Written and Faxed.
Foreclosure Hot Spots
Updated Oct. 9, 2013
What 3 Connecticut towns near you are having the most foreclosures / short sales?.
Say No to "No Cost Refi"
Updated Oct. 9, 2013
No how - no way will a "no cost" refi ever work to your advantage unless there is absolutely. no way to come to the table with closing cost money - meaning you're just about down to your last nickle.. Why? Because there's no free lunch here - meaning the money that you have to pay for closing costs. has to come...
DU Refi Plus
Updated Oct. 9, 2013
Although DU Refi Plus(TM) provides existing Fannie Mae mortgage loans substantially looser qualifications standards, the Fannie Mae refinancing program does have some guidelines that may restrict some homeowners.. DU REFI PLUS allows Loan-to-Values up to 105% LTV & 110% CLTV. ( if you're not sure what...
Victoria Grant - Monetary Reform
Updated Oct. 9, 2013
Monetary reform - the contention that governments, not banks, should create and lend a nation's money - has rarely even made the news, so this is a first. Either the times they are a-changin', or Victoria managed to frame the message in a way that was so simple and clear that even a child could understand...

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