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-RL-Browning-Endless-Cash-System.pdf
0-S-DADA-The-Millionaires Club-Lotto-Tickets.pdf
00-JC-Patton-wealthperx.pdf
00-Wrightsco-com.pdf
00-jj-jones.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-Deegan.pdf
8-180-Niche-package-offer-THE DOUGLAS MILLIKEN COMPANY.pdf
8-CR-Ellard.pdf
8-E-Molina.pdf
8-L-Valentine.pdf
88-A-Lawson.pdf
88-BD-JOHNSON.pdf
88-D-Baker.pdf
88-J-SMITH.pdf
88-d-nicholls.pdf
88-h-clay.pdf
88-j-orlando.pdf
88-jc-patton.pdf
88-l-domerson.pdf
88-l-gaines.pdf
88-m-bugarini.pdf
88-s-frescas.pdf
99-A-Moore.pdf
99-E-Bynum.pdf
99-H-Clay.pdf
99-JC-Patton-Mail-Lists.pdf
99-Monique's Mail.pdf
99-R-Peterson.pdf
99-c-vandergrift.pdf
99-j-skuse.pdf
99-r-vandergrift.pdf
99-wrights.pdf
A-BRADLEY.pdf
FRED-HINSTON.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 05/20/2018

WEALTHPEX


182


How to Make $5,000 A Month

with Garage Sales.
Send $5 PP to:
D.A. THOMAS
Box 22143Q1
Akron, OH 44302

63


DISTRIBUTORS WANTED!
Make up to
$10,000 Monthly
GIVING AWAY
FREE PRESCRIPTION DISCOUNT CARDS

which save people up to 87% at over
54,000 pharmacies nationwide!
Send this ad and $1.00 to:
ALLIED CONSULTING
PO BOX 111124
AURORA, CO 80042
Attn: RxCut HIM-1

146


VISA/MASTERCARD

No Income Or Credit Check!
No One Refused!
For Application, Send #10 S.A.S.E to:
JAY ENT.
1508 STAFFORDSHIRE DR.
CHARLESTON, SC 29407-6508

32


SALES PERSONNEL

to call on spas, beauty salons, beauty supply stores, boutiques, health clubs, etc. to introduce and sell Wild Rose personal care products. 40% commission on every case sold.
Send for info to:
SALES
PO BOX 303
RANDALLSTOWN, MD 21133

95



170


OWN YOUR OWN
'INFORMATION LIBRARY'!
Be the Prime Source & Keep All The Money!!

Be the Publisher of 14 professional,
quality booklets.
Learn, then resell for Big Profits!
Your own information selling business for
under $40.
Send stamp today for
FREE information to:
Earl Nott, Jr.
8 Fifth Ave.
Newburgh, NY 12550

33


MAIL KING PLAN
FREE NAMES, STAMP & MONEY


136


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


FINALLY START MAKING MONEY

By Marketing Your Own Products and Ideas
Or Others' Products And Ideas!
Send $1.00 Plus 2 F/C Stamps to:
JAMESINA WENTZ
412 E. 7th. St., Apt.2
The Dalles, OR 97058

81



170


START 2016 THE RIGHT WAY

With A Great Business
Selling Children's Clothing.
You Set The Hours.
Great Business For Women,
Couples And Friends.
Go To:
www.MagicKidsUSA.com
Type In Discount Code
MK 01-0888
Make 2016 Your Year * Good Luck Harry

9


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


You Can Start Receiving $100's, Even Thousands Of Dollars In The Mail!

For More Details, Send $2.00 and
5 F/C Stamps TO:
W. McCoy
POB 173
St. Anne, IL 60964

98


ARE YOU QUALIFIED TO MAKE A
MILLION DOLLARS?

Only Serious Individuals Need Respond!!
For FREE INFO
On How To Make A Million Dollars
Send $5.00 Processing Fee To:
BRIAN ARENDELL
PO Box 20783
Portland, OR 97294

30


Discover the POWER of our AUTOMATED system!

Earn $1,500 per week. No Calling, No Selling and No Convincing. 7 openings available for serious, ambitious people!
www.aprovenpath.com

164


NEED EXTRA MONEY?

Write For FREE INFO On Earning
BIG BUCKS AT HOME!
And I Will Mail It To You ASAP.
Send S.A.S.E. To:
BRIAN ARENDELL
PO Box 20783
Portland, OR 97294

29


FREE REPORTS!

Government Lists Of Over
50 Grants and Loans.
Seniors, Free Dentures Services, Bridges, Crowns, Dentures and More.
$5.00 Postage Cash Or US Postage Money Order:
NORA LEE
PO BOX 763
GOLDSBORO, NC 27533

53


CASH NOW!

Best Quotes on Owner Financed
Mortgages. Call Now!
716-380-8138

108


FREE OPPORTUNITY
HOMEOWNERS CUT MORTGAGE PAYMENTS!

www.themortgagemanager.org/aff/8203leroytaggart
www.themortgagemanager.biz/ 8203leroytaggart
Send LSASE To:
Leroy Taggart
23301 Mentone Ave.
Laurelton Queens, NY 11422

10


14 BEER RECIPES

INGREDIENTS - DIRECTIONS
Great Receipts
Only $10.00 Cash - U.S.Money Order.
Three More Beer Recipes Free.
Wright's Co. , PO Box1886
Horsham PA 19044
http://wrightsco.com

113


HATE MAIL!

The reason for Hate Mail and How To Respond.
Improve your customer service skills. Report with Reprint Rights $3.00
WRIGHT'S CO
PO BOX 1886
HORSHAM, PA 19044
http://wrightsco.com

133


SILVER EAGLE PRO

Over $10,000 A Month-Plus
An endless supply of
valuable American silver & gold coins. Financial freedom at last!
ilovemailorder.com/silvereaglepro.htm
ilovemailorder.com/silvereaglepro.pdf

138


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




    


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