#among the highest of compliments u can pay me

[hinamie]

When I think of megumi you're the one that I remember first

anon we shall have a spring wedding

[ourmrmel]

Mel Feller Looks at You Getting the best Mortgage Deal Possible

Mel Feller Looks at You Getting the best Mortgage Deal Possible

 Once you consider applying for a Mortgage Loan, one of the first things you need to do is shop around and choose a lender. Choosing a reliable lender that offers good rates is the single most critical factor in getting a good Mortgage deal.

Only by obtaining several quotes that are specific to your situation and location, you will be able to discover the best rate that is available to you. How many quotes? Go for at least three quotes from different lenders, less than that will not do the job.

 Now, usually shopping around for three quotes can be a tedious and time-consuming task, however, you can make it easier and more effective by using a free online quoting service such as Quicken Loans at https://www.quickenloans.com.

 Quicken Loans will provide you with several competing offers from reliable lenders that offer low rates in your area thus enabling you to compare and pinpoint on the best rate that is available for your location.

 Home loans are available from several types of lenders: commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you are getting the best price. You can also get a home loan through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker's access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions.

 Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. In addition, most brokers' advertisements do not use the word "broker." Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender's origination or other fees. A broker's compensation may be in the form of "points" paid at closing or as an add-on to your interest rate, or both. You should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders.  Here are some things you can do for sure.

 Improve your credit score

 A higher credit score shows banks that you are less of a risk to default on your loan, which means you will pay less to borrow money. How much less? Borrowers with the highest credit range, from 760 to 850, looking for a 30-year fixed mortgage would pay $164,000 in total interest, according to myFICO.com, or about $33,000 less than someone, with a mediocre score of 660 to 679.

 If you need to improve your score, make sure you are spending no more than 20 to 30 percent of your available credit limit, not carrying credit card debt and paying all your bills on time. Also, get your free credit reports from www.AnnualCreditReport.com and look for any mistakes.

 Have a record of employment

 Banks also think you are less of a risk if you can show at least two years of steady employment and earnings, especially from the same employer. They will want to see pay stubs and W-2s. Those who are self-employed, or wrapped up in the gig economy, will have a more difficult time.

 Cough up some cash

 You will generally score a lower mortgage rate if you put more money down, with 20 percent being the gold standard. Lenders, of course, accept a lot less than that, but you will often have to pay private mortgage insurance, which can range from 0.5 to 2.25 percent of the original loan amount per year. You will also want to have two to three months’ worth of cash reserves in a savings account.

 America’s love of the 30-year fixed-rate mortgage is rare among developed nations, and it may not be the best loan for you.

 Go short

 An adjustable-rate mortgage with a five- to seven-year low-interest introductory period may make sense for you – but only if you are looking to sell the house and trade up quickly (in less than five to seven years). The average mortgage rate for a 5/1 ARM is 4.19 percent as of May 23, compared with 4.80 percent for a 30-year fixed.

 Go medium

 If you have found your dream home, or just cannot bear the thought of moving again, consider a 15-year fixed-rate mortgage. The national average is 4.23 percent. On a $260,000 loan, your monthly payments will be considerably higher ($1,953 vs. $1,276 for a 30-year fixed), but you will save more than $100,000 in interest.

 Shop around

 When searching for the best rate, even for refinancing, you want to play the field. That means not settling with the financial institution where you normally bank. Research online.

 Move quickly

 The yield on 10-year Treasuries, which mortgage rates are pegged to, has been trending higher over time, and the Federal Reserve’s decision to unwind its trillion-dollar balance sheet might raise longer-term rates over the next year or two. Home prices are currently at a premium in many markets, thanks to a lack of available homes, so you will have to act fast.

 Lock in

After you sign the purchase agreement and have secured your mortgage loan, ask your lender how long it usually takes to process the loan and see if they will lock in your rate. This sometimes comes with a fee, especially if longer than two months, but it might pay for itself if you think rates may rise.

 Mel Feller Delivers!

Mel Feller is a business coach who helps individual’s make the transition from full-time employee to successful entrepreneur.  A grandfather now, Mel Feller started his coaching business in 1990 to help other parents, employees and individual entrepreneurs deal with the sometimes-overwhelming prospect of starting a new business while still running a household or a job.   Prior to raising his family, as a single father, Mel Feller spent over two decades as Top Producing Real Estate Agent, corporate trainer and workshop leader and Chief of Staff to a United States Senator. Today Mel Feller offers a wide range of programs and services - from individual coaching, to seminars and keynote speeches. To contact Mel Feller, please visit his website http://www.melfellersuccessstories.com

Mel understands how to help people create momentum for change in their life and how to break through the barriers holding them back.  He is a big believer in taking concrete steps forward every day.  Mel was stuck and more than once and so he knows firsthand how hard it can be to change your life to pursue your dreams, but he is living proof that it can be done.  

 It is his mission to help you get into the life you dream about, to convince you that you can make a living doing what it is you want to be doing, to help you feel like you are living your purpose and in congruency with your values.

 “Truth telling, honesty, and candor: I loved you Mel Feller! You have so much energy and knowledge! I truly hope I get another opportunity to be coached by you. I see myself a little clearer now, and it’s not so bad.”

Lisa Mathews

 “Mel Feller you added more value than we can possibly see right now. Mel Feller, you are warm, inviting, and accommodating. Thank you for coming alongside us in this transition!”

Vanessa Cavanaugh

“Mel Feller the best education session that we have attended in many years! Thank you so much — I am very excited to put everything you have taught us into practice!”

Michael Randolph

 “Mr. Mel Feller, Thank you, thank you, thank you for giving a marvelous keynote at our Symposium! While we have not yet collected the official feedback, the unofficial feedback was that You Were a Hit! I heard nothing but compliments regarding your presentations. Thank you for making such a positive impact on our attendees! ”

Lyle Cunningham VP

 "Mel Feller uses his humor, compassion, and direct nature to help bring out the best in me. Mel Feller is committed to helping me live...I mean, really live, life to its fullest."

Jose Rodriguez

 Mel Feller Links

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