The Home Loan Gazette

Millerton, New York

Today, in the aftermath of the real estate bubble, the mortgage business is getting a lot of "bad press". My reasons for putting together this Gazette are twofold: to remind you there are still good people involved in this industry, and to offer you my services. Let me give you the "inside scoop" of helpful information.

Since June 2007, when lending was at its peak, I have helped local families with their paperwork as a Notary Signing Agent. Then came the bursting of the bubble along with the crippling effects on employment and our economy. While others left the business, I stayed.

Here is what's new — in addition to my work as a Notary, I'm now your trusted Loan Officer, duly registered with the New York and Connecticut Banking Departments. You can have your next loan processed through me from the beginning, with my support at every step. My office is located in Millerton. I'm at 24 Main Street, 2nd Floor, next door to Oblong Books. Click here for directions.

In spite of the so-called "Great Recession", borrowers still have many options available to them. Qualified borrowers are in an excellent position to refinance or buy new.

If you and your family are currently looking for a good, square deal on a home loan, refinancing or mortgage within New York State or Connecticut, please read on.

Among the top reasons for refinancing your mortgage are:
• Save money each month
• Save money over the life of your loan
• Obtain an interest rate reduction
• Consolidate credit cards, auto loans, tuition and other debts
• Lower your tax liability
• Extend the term of the loan to make it more affordable
• Convert from an Adjustable Rate to a Fixed-Rate Mortgage

Home Sweet Home

Smiles!

Mortgage refinancing can make good sense for current homeowners. On the other hand, if you're shopping around to purchase a home, let me help you to pre-qualify for your purchase loan. I do FHA loans with as little as 3.5% down. And I can do reverse mortgages for individuals age 62 and up. If you are a senior citizen with limited mobility, I'll come to your home for your added convenience. You provide the tea or coffee. Yes, I do make house calls!

I represent a company called Sterling Residential Mortgage. Our parent company is Sterling Lending Group, Inc. in Danbury. Sterling is a Mortgage Broker, not a lender, so we have access to many banks instead of just one. When I submit an application on your behalf, you won't be left in "limbo" by unnecessary delays, because we will match you with a lender and home loan program that you can qualify for. I've known customers who waited for months as a result of loan officers and underwriters "dragging their feet"; delays can happen, but we work to minimize them. Sterling has an excellent track record in terms of turnaround time and personalized support. If we need to correct inaccuracies in your credit history, help you to document self-employed income, appeal an appraisal, or to resolve other issues relating to your application, it will still be my pleasure to help you!

Getting your loan funded begins with connecting with a provider that you like and trust. My company has an A+ rating with the Better Business Bureau, and we are one of the few mortgage brokers still left standing in the region after the bursting of the bubble.

Let's go over all the details of your scenario, when we talk. I can be reached on my cell phone at 518-203-1295.

If purchasing a home, you may be eligible for the $8,000 homebuyer tax credit enacted by Congress last year and extended through June 30, 2010. Further extended to Sept. 30, 2010, if you have already signed a purchase contract by June 30, but not yet gone to closing!

I'll take it for granted that you're familiar with the standard lending guidelines: you and your spouse need to have acceptable credit and a steady household income. In a nutshell, there are three steps to the home loan process: origination, closing and funding. All three steps should be streamlined and conducted as efficiently as possible for all qualified borrowers. Currently, we are looking for credit scores of 620 and above.

Do you like my straightforward way of doing business? May I help you further? The next step is yours... please feel free to call, or fill in the form below.

Sincerely yours,

Steven E. Williams

Interested in a Home Loan? Get a call back from Steven by completing this form. First Name Last Name E-Mail Phone Address Town/City State NY CT ZIP   Loan Purpose Purchase Refinance Refinance & Cash Out Reverse Mortgage Loan Program 30 Year Fixed 20 Year Fixed 15 Year Fixed 10 Year Fixed Adjustable Interest Only Reverse Mortgage Property Use Primary Residence Second Home Rental or Investment Property Type Single Family Condo/Townhouse 2 Units 3 Units 4 Units Other Comments   I work with borrowers in New York State and Connecticut only. Thank you!

Steven E. Williams is a registered Mortgage Loan Originator with the New York State and Connecticut Banking Departments. NMLS ID 176049. Sterling Lending Group is a licensed Mortgage Broker in the State of Connecticut and a Licensed Connecticut Correspondent Lender. Licensed and registered in New York State as Sterling Residential Mortgage. Loans are arranged with third party lenders. Rates and programs are subject to change. Although every effort is made to quote rates of identical mortgages and loans, differences may occur. Equal Housing Lender.

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