Hello,
I'm Jane and always here for you!
 Call today & let's talk about your plans!
About Our Satisfied Customers!
Our customers, who are happy with the mortgage loan we helped them get , are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.
Our fast answers!
At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we'll be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.
 Q & A Personally from Jane during trying times:
Q: With all the news coming out of Washington regarding the state of the economy and residential lending, what is your thoughts?
A: The primary concern I have with today’s economic turmoil is the loss of American jobs and the effect it is having on the people who currently hold mortgages and those who want to purchase in the future. There is certainly still mortgage money out there to be loaned but only to those that have gainful employment and decent credit scores. No longer are there the “stated income” loans, now everything is checked and double checked to make sure the client can truly afford the property that they are interested in. Something that in “hind sight” should have been happening all along and we would not have the problems that this industry is now facing. Let's chat soon about your problems or plans!
Q: Have you ever seen interest rates and the stock market fluctuate like it has been of late?
A: I have been in the mortgage industry in Ann Arbor now for over 23 years and I can honestly say I have NEVER seen anything like what we are looking at today with both mortgage rates and the Dow Jones Industrial Average. Mortgage rates used to be closely tied with the 10 year bond prices. If the price of bonds went up, the yield on the bond went down and mortgage rates dropped accordingly. Inversely if prices of the 10 year went down the yield would go up and rates moved up, you could almost set your watch to it! Now it seems as if they have no coloration what so ever and that it is pretty much been manipulated by unseen forces. Rates have remained reasonable stable and affordable for30 year fixed rates. Please call me for a quote!
Q: What are your thoughts now between fixed and adjustable rate mortgages?
A: While adjustable rates have played a major part in the industry over the last several years, the market is definitely back in favor with the fixed rate product selections. There use to be a fairly large interest rate reduction in the mortgage rate if you could get an adjustable rate product like a 5/1 arm, (where your rate is locked in for the first 5 years and then moves to an adjusting basis there after for the remaining 25 years of the mortgage) versus what you would take on a fixed rate at that time. Given the rate differential on the rates made the “risk” of the adjustable rate products a palatable risk, especially for those who knew they would not be in the house for a extended period of time. Now with the cost of short term money verses long term money being practically the same, there is very little differential on the rates so it is easy decision to go with a fixed rate productI I stand by and am happy to help you with your particular situation and alert you to the best rates!!
Our expertise is knowing the ups & downs of this industry and helping clients "help themselves". Personal contact is a much better way for us to evaluate your wants and needs so please don't hesitate to call...I would love hearing from you!
Thank you for your visit today!
Jane Carey
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