Hispanic Income Opportunities Mag - Issue V-662

 

Hispanic Income Opportunities Mag COVER Page
FULL PAGE ADVERTISERS
How YOU Can Advertise
In This Magazine




Top 5 Mistakes People Make When Refinancing Their Home

1. Choosing a home loan lender for the wrong reason (i.e., the lowest rate, your existing lender.) People choose home loan lenders for all the wrong reasons. Getting a low rate is important, but it's not the only consideration. Lenders may offer the lowest rate but charge extra fees (loan fees, origination fees, copy fees) so that in the end you will pay more for the refinanced home loan even though your rate may be lower. The only way to protect yourself is to wait for the Good-Faith Estimate (GFE) which should list all the closing costs. Compare the GFE's from a number of home loan lenders.
But comparing GFE's is not the only story when you want to refinance your home. If time is important, you want to choose a mortgage company that is capable of acting quickly. Ask each company to give you their average closing time for loans similar to yours.

Ask around among your trusted friends. Find out who refinanced lately and ask them what they thought of the company. Do not assume that your existing home loan lender is any better than a new lender. Since most home loans are sold in the secondary market, everyone has to meet certain criteria, and your existing lender will probably require the same documentation as a new lender. However, once you have a commitment from a new lender, it does not hurt to ask your existing lender to beat it. Often times they will. We will get you the best rate available.

2. Not getting everything in writing about refinancing your home loan. Get everything in writing. No matter what the Loan Officer tells you, ask him to confirm it in writing. Do not believe someone when they tell you that your refinance rate is guaranteed. Get it in writing.

3. Not knowing the appraised value of your home. Many people go ahead and try to refinance their home without knowing the true value. There are many places you can get an estimate of the true value of your home for purposes of refinancing. Many realtor sites have home value estimators on their site. For the price of listening to a mortgage company try to sell you a mortgage, you can get an approximate value for your home.

Check the recent sales in your neighborhood and try to find a comparable house in a comparable location. Or you can ask the appraiser to do a drive by and give you a verbal estimate of the value of your home. If it is in the right ballpark, you can order a thorough appraisal. Know the value of your home before you seek to refinance your home loan.

4. Not doing the math when refinancing your home loan. Do the math. Refinancing your home has a cost. You need to see what the cost is, and then determine how long you are going to stay in your home. For example, if you are going to stay in your home for 5 more years, and the cost of refinancing your home is $5000, you need to save at least $1000 a year in order for the deal to make sense. If you only save $50 a month as a result of refinancing (that is $600 a year), you will be losing money.

5. Not considering a 2nd Mortgage. When you refinance your home, you are refinancing the total amount. Suppose you have a home that is now worth $400,000, and you only owe $250,000 on the home and you want to take out $50,000. If you refinance and take out $50,000 in cash your new loan may be for $310,000, ($250,000 owed + $50,000 cash out + a total refinance cost of 3% or $10,000). It may be better to take out a 2nd mortgage for $50,000 and pay a slightly higher interest rate and slightly higher points, but only have a basis of $50,000 instead of the $310,000.

For more information, please visit Peak Home Loans-We Get 4 Out Of 5 Applicants Approved-24 Hour Results-Learn The Ins & Outs-Apply Now For Bad Credit Refinance Thank you...




 

Hispanic Income Opportunities Mag
FULL PAGE ADVERTISERS

!-WANT_TO_PURCHASE_ MINERALS_&_OTHER_OIL_&_GAS _INTERESTS.pdf
0-A-Lawson.pdf
0-D-Baker.pdf
0-RL-Browning-Endless-Cash-System.pdf
0-S-DADA-The-Millionaires Club-Lotto-Tickets.pdf
00-A-Moore.pdf
00-E-Bynum.pdf
00-H-Clay.pdf
00-J-SMITH.pdf
00-JC-Patton-Mail-Lists.pdf
00-Monique's Mail.pdf
00-R-Peterson.pdf
00-c-vandergrift.pdf
00-j-skuse.pdf
00-m-bugarini.pdf
00-r-vandergrift.pdf
00-wrights.pdf
1-J-Hurley-Free-Money-Making-Downline-for-Life.pdf
1-M-Golden-Make-Money-Simple-Cash-Payment-Plan.pdf
1-R-Bacha-The- Perpetual-Wheel-of-Fortune.pdf
2-D-Foley.pdf
20-J-Hurley.pdf
20-JCPatton-Mail-Lists.pdf
20-Robert-Peterson.pdf
20-T-E-Abraham-The-Wealth-Union.pdf
3-D-R-Deegan-Cash-Retirementt-Plan.pdf
3-J-Hurley-Time-Freedom-Rings.pdf
5-L-Valentine.pdf
5-L-Valentine2.pdf
5-S-Ford-The-Largest-Permanent-Matrix.pdf
5-T-Abraham-The-Wealth-Union.pdf
6-McCray.pdf
7-D&A-enterprises-P&M.pdf
7-D-Deegan.pdf
8-180-Niche-package-offer-THE DOUGLAS MILLIKEN COMPANY.pdf
8-CR-Ellard.pdf
8-E-Molina.pdf
8-L-Valentine.pdf
99-JC-Patton-Opportunity-Seekers-Names.pdf
99-JC-Patton-Silver-Eagle_Pro.pdf
A-BRADLEY.pdf
D&A-enterprises.pdf
Gerard-Jeanty-1.pdf
Gerard-Jeanty-2.pdf
K-SCHECHTER.pdf
R-DEL-PILAR.pdf
Rabbi-Rev-Earl-Kelly.pdf
T-Johnson.pdf
Your-2016-ADSHEET-DIRECTORY1.pdf
sam-scruggs-21.pdf

 

WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

Send details to:
P.O. Box 13557
Denver, CO 80201


Current Issue of 06/23/2017


175


WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

Send details to:
P.O. Box 13557
Denver, CO 80201

115



169


ADVERTISE TO
INTERNET MILLIONS

Only $19.95 for 54
Words or Less
Expect Amazing Results
DIRECTORY
POB 661
DALLAS, GA 30132
www.DomainWealthSites.com/9032.html

65


FOUNTAIN OF YOUTH DISCOVERED!
Along With Ways To Make Money Fast!

Imagine living to be 100,
looking half your age, disease free.
No more sickness, doctors,
medicine, hospital bills.
Prevent colds, flu, diabetes,
cancers, high blood pressure
and more.
My report reveals the secrets.
Plus, a Free bonus report.
Send $5 to:
BOYD CORBETT
HC 66, BOX 361
SPENCERVILLE, OK 74760

39


THIS ONE IS HOT!

Receive Multiple $100 Weekly Cash Profits
Sent To You Every Monday.
24/7 Recorded Sizzle.
Call: 1-(206) 350-0623.
Exciting Details. Write:
MAYFIELD
PO BOX 473181
MIAMI,FL 33147

111


FINANCING AVAILABLE:

$300K up to $100M for refinance, purchase or construction.

J.C. PATTON BROKERAGE SERVICE
841 NEWPORT RD.
LEXINGTON, MS 39095
Fax: 1.662.834.1033

96


AMAZINGLY SIMPLE! MEN - WOMEN
EASY PART-TIME HOME BUSINESS

Nets $500 And More A Day.
Suprising Facts In Free Report.
DryTech Prom #CL 44865
1987 Nordhoff St.
Northridge, CA 91324

37


EARN BIG MONEY

PART-TIME FROM HOME
MAILING OUR
FULL COLOR POSTCARDS.
VISIT: www.abminfo.com
FOR COMPLETE DETAILS.
REFERRED BY #9285
J.C. PATTON

50


"LIGHTS OUT"

For Hurricane and Tornadoes.
8-in1 Am/FM Dynamo Lantern.
Telescoping Lamp/Flashlight.
When closed works as a Palm sized flash light,
opens for use as a desk lamp.
Go to sporting goods and electronics:
williesbestdiscounts.com

43


"BUY DIRECTLY from "DIRECT SOURCE!

Visit Today! Use This Special Buyer's Discount Code And Receive a Free Gift With Your First Purchase.
FP01136
Not Ready To Buy? Use The Buyer's Discount Code And Receive Special Offers, Coupons And Promotions!
www.DirectSourcelnt.net

99


THE $500.00 A DAY PLAN


129


YOU CAN EASILY RECEIVE A SECRET...
$20,000.00 GIFT!

That You Are Not Required to Ever Pay Back!
www.Top-Video-Ads.com/video41

140


EASY WAY TO BIG EBAY PROFITS!


35


FREE FULLER BRUSH-STANLEY CO.
Dealership, Website & Hosting.

Earn Money Working From Home.
1-410-674-0030
Join:www.FullerBrushgetstarted.com
Shop at: www.FullerDirect.com
ENTER Log in #1417663

79


POOR MAN'S WAY TO RICHES CD

Incredible Little Known Secret Systems,
Plans & Loopholes Of The Millionaires!
This CD includes Free $69.95 manual
of the best systems and Free $29.95 book
of lucrative home businesses.
For your own
"Poor Man's Way To Riches" CD,
Rush only $39.95 to:
HAROLD BOSI
PO Box 35-188
Elmwood Park, IL 60707

24


EARN $1,000 A DAY

NEW and RESPONSIVE PROGRAM. Low Cost!
INNOVATIVE, GREATEST INCOME EVER.
Reply today.
Send Two Dollars for Info, shipping and handling to:
R.Logan
PO Box 311096
Jamaica, NY 11431

56




75


32 PAGE CATALOG!
GROVER'S BEST OPPORTUNITIES, OFFERS and JUST FOR FUN!

The most entertaining,informative and fun mail order catalog on the planet! $2.00 postpaid!
GROVER ALLEN, Dept. CT18,
P.O. BOX 10025
PRICHARD, AL 36610.
See our catalog Free at infojet.biz/016

105


Betty Boop's



153



171


COOK LIKE A MASTER CHEF!

Your Friends Will Be Amazed When You Prepare And Serve These Delicious, Mouth-Watering, Easy -To-Prepare Recipes!!
YOU'LL DISCOVER SOME OF THE WORLD'S BEST RECIPES!
www.sensationalrecipesgalore.com
NICK REED ENTERPRISES
6403 Julie Street
San Diego, California 92115

92


EARN BIG MONEY

PART-TIME FROM HOME
MAILING OUR
FULL COLOR POSTCARDS.
VISIT: www.abminfo.com
FOR COMPLETE DETAILS.
REFERRED BY #9285
J.C. PATTON

50


ROAD TO RICHES

$6,000 Guaranteed
Millions Possible
www.roadtoriches.org/main-3693
William D. Powell
49 W. Chicago
Pontiac, MI 48340

107



    


images_article



images_horiz_220x90



images_horiz_468x60



images_horiz_728x90



ad_images_mini



images_square

images_vert


Hispanic Income Opportunities Mag

Hispanic Income Opportunities Mag - COPYRIGHT - ALL RIGHTS RESERVED