NJ Mortgage

Archive for September, 2010

Shari and Casey Franklin have been married for 10 years. After trying unsuccessfully to conceive a child naturally, they sought the services of an ‘in vitro fertilization’ (IVF) clinic. After several attempts, the IVF procedure was successful and Shari became pregnant. Their son Corey is now two years old.

Eight embryos from the Franklins’ IVF procedure remain in cold storage. A local biotechnology company, Embryos-R-Us, has contacted the Franklins with an offer to purchase these embryos for $100,000.

The Franklins are having financial difficulties and struggle to make the mortgage payments on their home. They would like to have another child but cannot afford the procedure.

Embryos-R-Us wishes to use the embryos to develope stem cell lines, which will be used in research to develope an Alzheimer’s disease treatment. If this treatment were successful, the benefits to people with Alzheimer’s disease and the potential profits to the company would be enormous.

Shari and casey are discussing the possibility of selling the embryos. Put yourself in their situation. What would you do?

The Big Question: Would you consider an embryo a person? Meaning, should they have their own rights? If not, at what point do you think an embryo becomes a ‘person’. EX; when it becomes a zygote, at conception, and at the moment of its birth.

Embyo definition: An embryo is a cluster of Stem cells in an egg, I.E. its an unborn baby that has not even developed into a zygote. And an egg becomes a zygote 8 weeks after conception.

I think if someone is willing to go through IVF, they shouldnt have a problem with stem cell research.

People act like IVF doesnt kill embryos, but it does. A large part of the reason they create so many embryos is because the expect a certain number of them to not survive the freezing and thawing, and because they expect it to take multiple trials for the woman to get pregnant. In my opinion, killing embryos for the sake of a pregnancy when there are children in foster care without homes is FAR more selfish than using left over embryos in medical research.

If the couple never tries again, in all liklihood the embryos will be trashed anyways. A dead embryo is a dead embryo.

Do I consider embryos a person? No, I dont. They are human, yes. But they have no organ formation, no brain development, no cns and no consciousness.

I think a fetus should have rights when they have consciosness, which I think? is around 10? weeks.

Iv been for a job interview this morning, for an 11month maternity leave cover, with the chance but not promise of a permanent contract. Im hoping to buy my first house in the next year, and although i can afford it, would the temporary job stop me getting a mortgage? It would be a joint mortgage

You may not get as much money as you would like because with the crackdown on subprime lending, companies are getting more picky on who they lend to. Make sure your credit is above average- buy all three scores from a source such as myfico.com and see if there is anything you can spend time clearing up now. You ideally want to be over 720ish, but over 680 is a must to get the best deals from a reputable lender. Save for a larger down payment and make sure you still have "liquid" assests on top of your down payment (savings, money market, they even counted my 401k) that would cover several months of mortgage payments should the job end.

In reality, you may only qualify for what your co-signer could get without your income because it’s not a steady job and you’ll have been there less than a year. For example, I have a job where 70% of my pay is base and 30% is commission. Because I got my mortgage just a year after getting my job, they wouldn’t take into account my commission (there had to be two year proof that I would make the variable income at that level) and I was only able to get approved up to my base pay level. The mortgage lender wasn’t thrilled that I had been at my job only a year, but it was long enough to be off my probation period and I have a history of long employment periods with two previous employers with no gaps in career.

This isn’t to discourage you from trying, but just make the rest of your situation as good as it can be and be prepared to not get as much money as you would think!

I am a mortgage lender who serves PA as well as NJ. We offer great rates and allow the client to choose their own payment plan from 5 different companies. Ask me how to get a free appraisal.

hahaha come on dude, have you run out of leads? What’s the rate?

First Option Mortgage can help you find the best mortgage for you.

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Are you an older American in need of a safe plan that can give you greater financial security? Do you need extra funds to supplement your social security, make home improvements, meet unexpected medical expenses, or more?

The U.S. Department of Housing and Urban Development (HUD) has created a federally-insured private loan that may just provide the money you’ve been looking for. It is the Reverse Mortgage and it becoming more and more popular in America. If you’re interested in a Reverse Mortgage it is important know the critical details and whether this type of loan is the right one for you.

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Near-record low U.S. home lending rates were not enough to stop mortgage applications from falling for a third straight week.

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Steve Marche of Great American Funding Corp. (805) 374-6000 http://www.greatamericanfunding.com/
A home loan shopping Service — we get paid to shop for you.

We obtain the Home loans on a Wholesale Basis and SAVE you Money & Time.

Great American is WHERE THE ONLY GOOD HOME LOAN IS a CLOSED LOAN!

A Story: Mr. Anderson came to us to pre-qualify for a home loan, which took the previous two Major Banks 74 days. To say nothing and rag him out with even more stuff to request. Until one day Mr. Anderson asked straight out do I qualify and the gal says very quietly NO.

After carefully evaluating this man’s business tax returns. What the Banks will NEVER tell you. We discovered that he did not separate his Business and personal expenses. By getting a FREE Checking or Saving account he could have prevented the Banks from turning him down.

We determined that if he worked with an Expert like us we could have prevented this man from going thru this of obtaining a home loan.

What do we offer? We will examine and prequalify you for a FREE — Yes we will give you up to 45 minutes with absolutely no obligation a road map a prescription to obtaining a home loan. Yes we will draw it out for you. You may not obtain a home loans now but many of our clients will come in and say “We followed your road map and we are now ready to get that loan the bank turned us down for.”
What services should we specifically target in your campaign?

1.Home Loan Shopping Service- Fill out 1 loan application, we do all the shopping for best rates.
2.Shop over 57 Wholesale Lenders with One Phone Call (805) 374-6000
3.Refinance, Purchase, Hard Money Loans, Private Money lending, Commerical Loans
4.Free PreApproval & Expert Advise!
5.We find our clients the Best Home Loan Rates & Loan Programs Available
6.Been in business for over 30 years!
7.Tailor make a loan for your specific needs.
8.Expert Mortgage Broker to guide you honestly through the loan process.
9.Vital communication throughout loan process. You will Never feel like you’re in the dark.
10.We beat the banks with the best Wholesale Interest Rates & Lower Fees!

Steven M. Marche
www.greatamericanfunding.com
www.homeloans411.com
E-Mail steve@homeloans411.com

In The WaterCourt Complex
860 Hampshire Rd. #S
Westlake Village, CA 91361-6001

DRE Lic. #00628123 / NMLS #304015
(805) 374-6000
(805) 373-1707 FAX

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Been screwed as an employee or even a borrower or investor? Sing along with the mortgage servicing industry follies!

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http://www.midwestmortgageresource.com – 7 Questions Mortgage Lenders Hate! Don’t get a mortgage loan in Union, Missouri until you watch this video by mortgage expert Tom Wurdack.

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Mortgage news for the week of 9/9/10, Eugenia “Genie” Torres of Coldwell Banker in Wall Township and Spring Lake, NJ, with Eric Larsen of Coldwell Banker Home loans. Call Genie 732-977-3170 or Eric 732-539-3911with questions.
Eugenia “Genie” Torres is an agent of Coldwell Banker Residential Brokerage in Wall Township NJ, 2051 hwy 35. Her cell 732-977-3170, is her best number but the office number is 732-449-0093 ext 250

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