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Recent content by morrow

  1. M

    lease or swap.com

    has anyone done business with this site? I have a car that I have a lease on and really do not drive very often and do not need. I was considering trying this site to move it vs. a local paper ad or autotrader. Any helpful insight would be great. Thanks
  2. M

    Banner Ads

    Does anyone have a good link for information on how to create a banner ad for a website. I am not looking for anything complicated, no flash etc... Just a standard banner that I can import a.jpg into to create the banner. Is this possible to create in word with HTML? I am not super savvy on this...
  3. M

    Anyone here a mortgage broker?

    I just tried to send you a PM but your mailbox is full. Thornburg has a great pledged asset program. Feel free to emial me directly if you need some additonal information. [email protected]
  4. M

    Unofficial members' directory of services

    I work in Real Estate as a Residential Loan Officer here in CA.
  5. M

    Applying for a mortgage prequal question

    Robr, Just a heads up Rates are looking great today! The past few days we have seen improvement. I am not sure how far along you are in your search for a home but wanted to give you heads up on the rate reduction. I priced out a Fannie mae flex 100 30yr. Fixed 100% loan with NO Pre Payment...
  6. M

    Applying for a mortgage prequal question

    FHA does not go 100% they will go 97% the other 3% can come from a DAP program. Yes FHA will usually yeild an aggressive payment due to the FHA MIP @ .5 but keep in mind that FHA has 1.5% Up front MIP. If you use MCM you can pay an upfront Split Premimum to lower the MI factor. I just closed a...
  7. M

    Applying for a mortgage prequal question

    The Feds DO NOT Control the rates!!!! The have control over the fed funds rate.... this is why you will typically see prime adjust with the raise or cut but long term rates will normally go un affected. The lastest cut gave investors confidence and as a result their was a bull run on investing...
  8. M

    Capital One

    That is correct. And for the AMEX card etc.... they do show up different on your credit report and are treated differently.
  9. M

    Capital One

    Capital one will report the limit as the highest use the card has seen. Lets say you have a $1000 limit but at the most have only used $200. Your limit will show $200 on your credit report. I recommend my clients with Capital One accounts max their cards to show the highest limit then pay them...
  10. M

    Best 6.5 " Speakers ...

    You may want to consider the DLS Iridum line. I use the 6.2's with their amps and the sound is great. Speaker location and final tuning have a lot to do with the overall performance of the speaker. If you are looking for a more simple install I recommend looking at a GOOD speaker and a spend a...
  11. M

    Question for Lawyers/Real Estate Guru's.

    Last time I heard anything about it was May, so it may have gone away, but the program has been available for 18yrs. so it is possible that it is available but just may not have much exposue. This was funded by banco popular.
  12. M

    Question for Lawyers/Real Estate Guru's.

    There is actually financing for NON US Residents. I was a little concerned when I heard about it, but here is the skinny, the loan requires a TIN (Tax ID Number), the income is stated with as little as 5% down, funds to close will not need to be sourced or seasoned! Needless to say with those...
  13. M

    recommend an outdoor subwoofer

    I have this one. http://www.klipsch.com/products/details/aw-800-sw.aspx Works great. Klipsch is great for outdoor speakers. There are also some "rock" subs by other companies if that better fits your needs. Good Luck
  14. M

    How many of you guys own bicycles?

    I have a Specialized Stumpjumper Expert 06' for Mountain. (great bike w/ XT and XTR comps and FOX Adjustable Shocks F/R For Road I just bought a 07 Specialized S-Works Langster. I used to race XC about 8 years ago and did a little road racing (Portland to Oregon etc....)
  15. M

    Subprime Market! PE: Capital Gains Tax!

    As a loan Officer I see the subprime market still very much hurting our housing and economy. The worst is yet to come in my opinion. There are plenty of loans out there that should have never been written. For example....I had a client referred to me last week for a refinance, the client works...
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