There is always going to be a market for folks who need to switch to a fixed rate and refinance into a lower rate. Keep a close eye on your database and make sure to take action with those who may benefit from refinancing today. Don't forget to prospect for new clients who need your help too! Remember, there are a lot of abandoned clients out there who could use your mortgage expertise.
|
L006-M |
L007-M |
L008-M |
|
|
 |
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
This is the perfect time to take advantage of the current low interest rates. I can help you finance your dream home - whether that means moving up, a second mortgage for renovations, or a cash-out refinance to redecorate. You may even be able to lower your payments or eliminate PMI! Give me a call - I'll be happy to discuss ways to save you money. |
Text on back:
Our current interest rates are the lowest they've been in years. Seldom do financial opportunities like these present themselves. If you are ready to take advantage of the low rates, give me a call. As your mortgage consultant, I'd love to assist you (or a friend or family member) in whatever way I can. |
Text on back:
Whether you would like some extra cash for a vacation, investments, going back to school, remodeling or anything else your heart desires... there has seldom been a better time to refinance!
Rates are low! Give me a call today! |
| |
|
|
L009-M |
L010-M (subprime) |
L011-M |
|
|
|
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
Whether you'd like to:
* Consolidate debt
* Lower your monthly payment
* Switch from an A.R.M. to a fixed rate
* Pay off a second mortgage
* Remove cash from your home
* Reduce or eliminate mortgage insurance
NOW is the time! Rates are LOW! Call me today! |
Text on back:
Just because your credit is less than perfect doesn’t mean you can’t refinance! If you could benefit from a lower interest rate or some extra cash to consolidate debt or make a major purchase, I may be able to help! Give me a call and I’ll be happy to review your current mortgage to see whether refinancing makes sense for you! |
Text on back:
Interest rates for first mortgages are still at near-historic lows, while rates for home equity loans are lower than ever before. If you have been waiting to refinance, it won't get any better than this - so act now! Give me a call to explore your options and lock in your new, lower rates. I look forward to assisting you. |
| |
|
|
L012-M |
|
|
|
|
|
click card to view larger size |
|
|
Text on back:
Whether you're in an ARM about to adjust, need cash for investments, retirement or education, or just want to save money on your payment each month, now may be a great time for you to refinance at a historically low rate. Give me a call to examine your options and find out exactly how much you can save by refinancing today. |
|
|
| |
|
|
REFI001-M |
REFI002-M |
REFI003-M |
|
 |
 |
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
No matter how well you have planned and saved, there may come a time when you need more cash than you have in the bank. You don’t have to despair! You’ve been earning equity in your home with every mortgage payment you’ve made. Give us a call to discuss whether a cash-out refinance loan is the right option for you. |
Text on back:
Have recent financial challenges or major expenditures depleted your savings? Don’t let it interrupt your life - or your bill paying. A cash-out refinance will allow you to access the equity you’ve built in your home. It may be the right solution for you. If you’d like to learn more, give me a call. I’m standing by with the answers. |
Text on back:
Are you burdened with high interest credit card debt? The equity you have in your home could enable you to pay off those cards, saving you thousands in interest each year! If you’d like to explore your options for a cash-out refinance, give us a call. We love to put our expertise to work for clients just like you. |
| |
|
|
REFI004-M |
REFI005-M |
REFI006-M |
|
 |
 |
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
Are you struggling to make ends meet each month? Are high interest credit cards, medical bills or other financial burdens strangling your wallet? A cash-out refinance could allow you to access the equity you’ve built in your home. Use that money wisely and your life will become easier. Give us a call and we’ll show you |
Text on back:
Real estate is a great investment - if you use the equity you’re building wisely. Put your home equity to work paying for college tuition, remodeling or even a home addition! A cash-out refinance can make these dreams possible. Want to learn more? Give me a call. |
Text on back:
Life’s unexpected events, educational expenses and home improvement projects don’t have to leave you (or your wallet) high and dry. A cash-out refinance can give you access to the equity you’ve built in your home. Use it to cover those expenses. Give us a call and take the first step. |
| |
|
|
REFI013-M |
REFI014-M |
REFI015-M |
|
 |
 |
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
Chances are, you now qualify for a lower rate than you did when you first bought your home. Interest rates are still low, and the positive history you’ve built through making your monthly mortgage payments on time could qualify you for a lower rate than you previously dreamed possible. Give us a call to find out today! |
Text on back:
You may never see a better time to refinance. Not only can you significantly lower your interest rate, but you may even want to consider moving from a fixed to a variable rate (moving soon?) or from a variable to a fixed (staying put?). The possibilities are virtually endless. We’d love to help you explore them. |
Text on back:
If you’ve owned your home for any amount of time, chances are interest rates are lower than they were when you purchased. Even if they are not, you may still qualify for a lower rate because of your payment history. Wondering about it won’t get you anywhere - but calling us will. Do it today! |
| |
|
|
REFI016-M |
REFI017-M |
REFI018-M |
|
 |
 |
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
Contrary to last year’s predictions, interest rates have not seen a rapid or significant increase. However, no one can accurately predict where rates will be next year or even next month... so take advantage of today’s low rates and refinance now. We promise to make the process as easy as possible! |
Text on back:
Wouldn’t you like to spend less on your mortgage payment each month and more on your life? You can... if you take the time to refinance now while rates are still low. We have flexible loan programs to suit every financial situation. Give us a call today and we’ll help you explore your options. |
Text on back:
It’s not too late to refinance your mortgage at a lower rate! Our flexible loan programs, customizable for any financial situation, offer you an array of great refinancing options. So give us a call while rates are still low. We’d love to help you explore the many possibilities available. |
|
| |
|
|
I0902-M |
I0502-M | I0703-M |
| |
| |
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
Whether your current interest rate is higher than it could be, or you would just like a little money to pay off some high interest debt,
refinancing may save you hundreds of dollars. Give me a call and I’ll be happy to help you determine whether refinancing makes sense for you. |
Text on back:
Although we have enjoyed interest rates lower than they have been for decades, the economy is beginning to strengthen. If you are thinking about financing or refinancing... now may be the time.
Give me a call -
while rates are still low! |
Text on back:
Whether you’re thinking about taking some cash out to remodel, start a business or go to college... or if you just want to lower your monthly payment, one thing is certain - there has NEVER been a better time to refinance! Give me a call if you or someone you know is ready to take advantage of these super low rates! |
| |
|
|
I0403-M |
|
|
|
|
|
click card to view larger size |
|
|
Text on back:
If your dream might be:
- Moving to a new home
- Buying a vacation home
- Investing in real estate or
- A cash out refinance
I’d like to help make it a reality. Give me a call - I’ll be happy to discuss all the possible options. |
|
|
|
| |
|
|
NP001-M |
NP002-M |
NP003-M |
|
|
|
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
Owning a home of your own may be possible even if you have less than perfect credit, no down payment, or have been turned down for a mortgage in the past. We specialize in flexible qualifying guidelines and can provide you with a (no-obligation) pre-approval before you begin shopping for a home of your own. Give us a call - we’d love to help. |
Text on back:
Less than perfect credit shouldn’t keep you from taking advantage of lower interest rates. Sometimes all that’s required is a mortgage company that specializes in the loans that meet your needs. So whether you have excellent credit, or a few challenges, we may be able to lower your monthly payment significantly. Give us a call to get started today! |
Text on back:
We have first time homebuyer programs for every situation... whether you have perfect credit, no credit, less than perfect credit, are self employed or have little cash available for a down payment, we can help. Buying your first home is an exciting time - we look forward to guiding you every step of the way!
|
| |
|
|
NP004-M |
NP005-M |
NP006-M |
|
|
|
click card to view larger size |
click card to view larger size |
click card to view larger size |
Text on back:
Our convenient interest only loans allow you to reduce your monthly mortgage payment by up to 50% compared to a traditional loan - freeing up cash to spend on anything you’d like! Give us a call today and we’ll help you determine which of our loan products best fits your current (and future) financial needs. |
Text on back:
There’s a new loan available that makes it easy for almost everyone to own the home of their dreams. Especially in an appreciating market, an interest only loan allows you to buy a larger home, conserve cash flow, or both! Give us a call today to discuss your options. You may discover that you can afford more home than you ever dreamed possible! |
Text on back:
Our interest only loan allows you to adapt your payment each month - pay the interest only, or more than the minimum when you have cash on hand. If you’d like the freedom to spend your money on other things, whether home improvements, investments, tuition or such, our interest only loan may be the right product for you! Give us a call today to discuss your options. |
| |
|
|
NP007-M |
NP008-M |
NP009-M |
|
|
|
Text on back:
Everyone deserves the opportunity to reduce their mortgage payment... regardless of their credit history. At least that’s what we believe. We specialize in loans to meet our clients’ needs, and we’re sure we have the perfect loan for you. It’s easier than you may think, so give us a call and get started today. Our customer satisfaction record promises you won’t regret it! |
Text on back:
We want to help you lower your monthly mortgage payment! Even if you have challenged credit, the opportunity to refinance is not out of reach. We have versatile loan programs to suit every need, and we’d love to tell you about them. Contact us today for more information. You may be surprised by the number of options available to you. |
Text on back:
These days it’s easier than ever to qualify for a lower rate, even with a few credit blemishes. Don’t allow circumstances beyond your control to continue to shadow your life. Call us today and find out more about the refinance programs available to you. You deserve more than you’ve ever dreamed possible, and we’d love to help you get it. |
| |
|
|
NP010-M |
NP011-M |
|
 |
 |
|
Text on back:
Life is unpredictable, putting perfect credit out of many folks’ reach. Even with careful saving and planning, you may find your record holds a few minor blemishes. Don’t let it prevent you from refinancing at a lower rate... all you need is the help of a mortgage company specializing in flexible loan programs to suit every need. Give us a call and get started today. |
Text on back:
Do you have less than perfect credit? You’re not alone. Many responsible, credit-worthy individuals have battle-scarred credit reports. The unpredictability of life can sometimes make it unavoidable. You don’t have to allow it to squash your hopes of refinancing. Give us a call instead; we have loan programs to suit every need. Find out more today! |
|
|
REFI029-M |
|
click
card to view larger size |
Text on front: Rates are dropping!
Now more than ever,
experience counts.
Text on back:
Interest rates continue to fall, and
determining the time when refinancing
will make the most sense for you
requires the insight of a knowledgeable
and experienced mortgage professional.
I check rates daily and can notify you
when the time is right for you to lock.
Give me a call today to discuss your
refinancing options, and rest assured that
I have your best interest (and interest
rate) at heart.
|
|
| |
|
REFI028-M |
REFI027-M |
|
|
click
card to view larger size |
click card
to view larger size |
Text on front: Rate Alert! Largest interest rate
cut by the Fed since
October 1984!
Text on back:
The Fed emergency rate cut to 1.0% on October 29th resulted in the lowest Fed Funds rate in four years. This has resulted in a significantly large drop in mortgage interest rates as well. There has never been a better time for current homeowners to refinance their mortgages or to finally buy that dream home. If you or someone you know can benefit from this opportunity, I’d love to help. Please give me a call.
|
Text on front: Rate Alert! Historically low rates
equal big savings... lock in a new low refinance rate today!
Text on back:
Due to fears of a recession, the Fed cut the federal fund rate to 1.0% on October 29th. This dramatic cut is likely to result in equally dramatic interest rate reductions on mortgage loans at commercial banks. Refinance now and you could potentially reduce your mortgage payment by a hundred or more dollars each month! Give me a call for your specific details and lock in a low rate today.
|
| |
|
REFI026-M |
REFI025-M |
|
|
click card
to view larger size |
click card
to view larger size |
Text on front: Every cloud has a silver lining... lock in
a new low refinance rate today!
Text on back:
Last year was a tough one for home owners and the mortgage industry — but this year is shaping up to be better than ever! The Fed rate cut of October 29th has resulted in a drop in interest rates. Whether you’re in an adjustable rate mortgage or just want to refinance your current fixed loan to a lower rate, now is the time to take action. Give me a call to lock in your refinance rate today!
|
Text on front: Today’s new lower rates mean you
can move up or invest in real estate
and keep more money for yourself!
Text on back:
The Fed rate cut of October 29th is likely to result in an interest rate reduction which could equal huge savings in monthly payments as well as lifetime mortgage interest for homeowners. If you’ve been waiting for the right time to move up or invest in real estate, wait no longer. Now is the time to make your dreams a reality while keeping more money in your pocket each month! Give me a call and get pre-qualified today.
|
|
