tag:blogger.com,1999:blog-45480672521517609172024-03-12T20:22:33.596-07:00LDSLenders.comLDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-4548067252151760917.post-7080860866874352772014-05-30T13:05:00.002-07:002014-05-30T13:05:46.643-07:00<a href="file:///C:/Users/BRYANG~1/AppData/Local/Temp/msohtml1/01/clip_image002.gif" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img alt="Yahoo Homes" border="0" class="provider-img" height="21" src="file:///C:/Users/BRYANG~1/AppData/Local/Temp/msohtml1/01/clip_image002.gif" style="cursor: move;" unselectable="on" v:shapes="yui_3_16_0_1_1401478320290_1055" width="155" /></a><br />
<h1 style="margin: 0.67em 0in;">
Waiting to buy a house? It'll cost you<o:p></o:p></h1>
<br />
<h2 id="yui_3_16_0_1_1401478320290_1057" style="margin: 0.83em 0in;">
Experts agree: There's no better time
to buy a home than now. Find out why.<o:p></o:p></h2>
<br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
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<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<cite>By </cite><span class="fn"><i>Lee Nelson</i></span><cite>
<abbr>May 28, 2014 12:41 PM</abbr></cite> <o:p></o:p></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span class="share-number">0</span> <span class="share-text">shares</span>
<o:p></o:p></div>
<br />
Timing is everything when it comes to a lot of things - baking a soufflé,
fertilizing your lawn, and buying a home. Not so sure about that last one? With
interest rates going up and housing prices on the rise, you may think that it
might not be the best time to purchase a home or even refinance the one you've
got. But experts disagree.<o:p></o:p><br />
<br />
<div id="yui_3_16_0_1_1401478320290_1064">
"It is a big deal to buy a house.
But if you do your homework and have the right documentation ready, this could
be a great time to buy a home for many reasons," says Jay Plum, executive
vice president of Huntington National Bank, in <st1:place w:st="on"><st1:city w:st="on">Cincinnati</st1:city>, <st1:state w:st="on">Ohio</st1:state></st1:place>.<o:p></o:p></div>
<br />
<div id="yui_3_16_0_1_1401478320290_1065">
Read on for the five major reasons why
mortgage experts believe that there is no better time than the present to get
that dream house you've always wanted.<o:p></o:p></div>
<br />
<div id="yui_3_16_0_1_1401478320290_1067" style="margin-top: 9pt;">
<strong id="yui_3_16_0_1_1401478320290_1066"><span style="font-size: 15.5pt;">Reason #1:
Interest rates won't stay this low forever</span></strong><span style="font-size: 15.5pt;"><o:p></o:p></span></div>
<br />
<div id="yui_3_16_0_1_1401478320290_1068">
"A reason to look now into buying
a home or refinancing is because these rates won't stay [put] forever. That's
what rates do - they go up," says <st1:place w:st="on">Plum</st1:place>.<o:p></o:p></div>
<br />
In fact, the interest rate for a 30-year fixed mortgage is expected to go up
to 5 percent by the fourth quarter of this year and 5.3 percent by the end of
2015, according to a recent forecast by the Mortgage Bankers Association (MBA).<o:p></o:p><br />
<br />
<div id="yui_3_16_0_1_1401478320290_1050">
Why are rates rising? Well, one huge
factor is that the feds will start raising rates about six months after they
stop buying mortgage bonds, which is projected to happen sometime in 2015, says
Plum.<o:p></o:p></div>
<br />
"[Rates] probably won't start shooting up quickly. But a quarter of a
point on an interest rate can mean about $100 more each month on [a homeowner's]
loan. For a lot of families, that can make a big difference," he says.<o:p></o:p><br />
<br />
<div style="margin-top: 9pt;">
<strong><span style="font-size: 15.5pt;">Reason #2:
Credit score requirements are lowering</span></strong><span style="font-size: 15.5pt;"><o:p></o:p></span></div>
<br />
Is your credit score lower than you'd like to admit? Well, good news: Credit
score requirements for borrowers taking out mortgages are easing.<o:p></o:p><br />
<br />
In March, credit scores on purchase mortgages stood at 755, down from 761 in
the previous year, according to data from Ellie Mae, a mortgage-software
provider. Credit scores for FHA loans dropped even lower to 684, compared to
696 a year earlier.<o:p></o:p><br />
<br />
What brought on this change? The 2014 market is expected to be a more
purchase-focused market, says Vickee Adams, vice president of external
communications for Wells Fargo Home Lending.<o:p></o:p><br />
<br />
"Having a broader credit score range will serve to attract more
borrowers into the market," she explains.<o:p></o:p><br />
<br />
But why is there a need to attract more borrowers? Well, the demand for
refinancing has dropped considerably. Refinance applications are about 70
percent slower than a year ago and are expected to continue to decline,
according to a statement by the MBA in April 2014. As a result, banks are
trying to find ways to boost lending to homeowners, including lowering credit
score minimums.<o:p></o:p><br />
<br />
<div style="margin-top: 9pt;">
<strong><span style="font-size: 15.5pt;">Reason #3:
Spring and summer are the best times to buy a home</span></strong><span style="font-size: 15.5pt;"><o:p></o:p></span></div>
<br />
It has been a brutal winter, and people who wanted to sell their house just
didn't want to bother with all the snow and cold weather, says Lawrence Yun,
chief economist for the National Association of Realtors in <st1:place w:st="on"><st1:city w:st="on">Washington</st1:city>, <st1:state w:st="on">D.C.</st1:state></st1:place>
The same goes for people wanting to buy a home - they just stayed put, he
adds. <o:p></o:p><br />
<br />
"Many people who were forced to delay putting their house up for sale
are doing so now. But spring has always been an important time in the real
estate business,” Yun says. In fact, warmer seasons like spring and summer have
always been a popular time to buy a home.<o:p></o:p><br />
<br />
People think about moving during summer vacation, because their kids will be
out of school then, which helps makes things easier, says Yun. Buying a new
home in the summer gives families enough time for the closing and moving before
school starts again.<o:p></o:p><br />
<br />
No kids? Summer is still a popular time to sell or buy even for people
without children. And it's not just because the weather is nicer.<o:p></o:p><br />
<br />
"People just know that there are more listings coming in the spring and
more buyers," Yun says. "But from a buyer's perspective, there will
be more competition from other buyers."<o:p></o:p><br />
<br />
<div style="margin-top: 9pt;">
<strong><span style="font-size: 15.5pt;">Reason #4:
Buying is still cheaper than renting</span></strong><span style="font-size: 15.5pt;"><o:p></o:p></span></div>
<br />
Buying a house is a significant purchase, but in most parts of the country,
it's cheaper than renting. If that seems counterintuitive, let's look at recent
research by Trulia, an online residential real estate site for home buyers,
sellers, renters and real estate professionals.<o:p></o:p><br />
<br />
According to Trulia, homeownership compared to renting continues to be the
less expensive way to live in all of the 100 largest metro areas researched.
The study compared the costs of renting and owning assuming homebuyers get a
4.5 percent mortgage rate on a 30-year fixed term loan with 20 percent down.<o:p></o:p><br />
<br />
So why should people buy a home now? The gap is getting smaller between the
two choices because of rising mortgage rates and home prices, says Jed Kolko,
Trulia's chief economist and author of the report.<o:p></o:p><br />
<br />
"Now, at a 30-year fixed rate of 4.5 percent, buying is 38 percent
cheaper than renting nationally, versus being 44 percent cheaper one year
ago," Kolko says in the report. "Some markets might tip in favor of
renting this year as prices continue to rise faster than rents, and if - as
most economists expect - mortgage rates rise, due both to the strengthening of
the economy and Fed tapering."<o:p></o:p><br />
<br />
However, the percentage is different in every housing market. In <st1:city w:st="on">Honolulu</st1:city>, buying is only 5 percent cheaper than renting,
while in <st1:place w:st="on"><st1:city w:st="on">Detroit</st1:city></st1:place>,
buying is 65 percent cheaper than renting.<o:p></o:p><br />
<br />
<div style="margin-top: 9pt;">
<strong><span style="font-size: 15.5pt;">Reason #5:
Home values are still competitive</span></strong><b><span style="font-size: 15.5pt;"><o:p></o:p></span></b></div>
<br />
Are you looking for a bungalow with a white picket fence, a modern
metropolitan penthouse, or a cabin in the woods? Well, it might be time to buy
your dream abode before prices go too high.<o:p></o:p><br />
<br />
The good news is that that the prices of homes have gone up but haven't
skyrocketed, so they're still within reach of many buyers. The median existing
home price for all housing types in February 2014 was $189,000, which is up 9.1
percent from last February, according to recent press release by the National
Association of Realtors (NRA).<o:p></o:p><br />
<br />
Plus, the housing inventory rose 6.4 percent to 2 million existing homes
available for sale, reports the association. So there are more homes to choose
from during your search depending on where you live.<o:p></o:p><br />
<br />
<div id="yui_3_16_0_1_1401478320290_1069">
"Property values are still very competitive
in most markets, but there is a tremendous amount of competition by
buyers," <st1:place w:st="on">Plum</st1:place> says. "If you are
looking at buying a home, be prepared to offer quickly, and get preapproved by
a lender which will make things go easier."<o:p></o:p></div>
LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-58320835908722331972012-12-11T19:01:00.001-08:002012-12-11T19:01:10.825-08:00Home Financing Essentials
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<div align="center" class="MsoNormal" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;">A Survival Kit for Home Financing</b></div>
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<b style="mso-bidi-font-weight: normal;">LDS Lenders</b></div>
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<br /></div>
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<br /></div>
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<i style="mso-bidi-font-style: normal;"><span style="color: navy; font-size: 14.0pt;">Essentials</span><span style="color: navy;"> </span></i><i style="mso-bidi-font-style: normal;"><span style="color: navy; font-size: 14.0pt;">for
buying a home</span><span style="color: navy;"></span></i></div>
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<br /></div>
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Congratulations on receiving an accepted offer to buy your
next home.<span style="mso-spacerun: yes;"> </span>There are many things
that you will need to do in order to complete this process.<span style="mso-spacerun: yes;"> </span>We have put together this survival kit for
home financing to help you to know what needs to be done in the next few days.</div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Loan approval with an
LDS Lender</b>.<span style="mso-spacerun: yes;"> </span>You will now need
to get fully approved for your loan.<span style="mso-spacerun: yes;">
</span>Hopefully you have already been pre-qualified or pre-approved and you
will now need to get final approval including verifying your current
employment, income, bank balances and an appraisal on the property that you are
buying.<span style="mso-spacerun: yes;"> </span>You should contact your
LDS Lender in the next 3 days to start that process.<span style="mso-spacerun: yes;"> </span>An <u><span style="color: blue;">Essential Documents Packet </span></u>will
be sent to you at the close of your purchase transaction and will include important
documents that you need to keep.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">What to expect: </b></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;">Everything is Risk based to lenders</b></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";"> </span></span>Down
Payment: The more money a buyer puts into their home the less likely they are
to walk away from it in times of financial crisis.</div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";"> </span></span>Credit
Score(s): Higher credit scores get better rates: Above 740 is Excellent, 700+
is good, 680 is average.<span style="mso-spacerun: yes;"> </span>You can
go as low as 620 in an “A paper” loan if you have a good down payment.<span style="mso-spacerun: yes;"> </span>Scores under 620 require sub-prime
financing and will need a minimum of 10% down payment.<span style="mso-spacerun: yes;"> </span>The lower the score the more down
payment or equity you will need to have.</div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";"> </span></span>Loan
to Value: Higher loan(s) to value will have slightly higher rates.<span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";"> </span></span>Job
stability: Lenders are looking for at least 2 years continuous employment on
your job or in the same line of work.<span style="mso-spacerun: yes;">
</span>There are some exceptions to this such as having graduated from college
and now working in that line of work.<span style="mso-spacerun: yes;">
</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">e)<span style="font: 7.0pt "Times New Roman";"> </span></span>Reserve
Savings: Lenders want to see between 2 and 6 months of monthly PITI payments
left over in your bank account(s) when you close.<span style="mso-spacerun: yes;"> </span>PITI is Principal, Interest, Taxes & Insurance.</div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">f)<span style="font: 7.0pt "Times New Roman";"> </span></span>There
are many loan program variations available.<span style="mso-spacerun: yes;"> </span>Consult with your LDS Lender to help you know which is best
for you.</div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">g)<span style="font: 7.0pt "Times New Roman";"> </span></span>All
LDS Lenders will issue a <span style="color: blue;">pre-approval letter or
certificate</span> confirming that you are pre-approved for a loan to buy the
home or your choice.</div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">h)<span style="font: 7.0pt "Times New Roman";"> </span></span><u><span style="color: blue;">Tips on Credit and running your Credit Report</span></u>:<span style="mso-spacerun: yes;"> </span>Your credit score is reduced when it is
run so be careful how often you allow it to be run.<span style="mso-spacerun: yes;"> </span>Discuss this with your LDS Lender. </div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">i)<span style="font: 7.0pt "Times New Roman";"> </span></span><u><span style="color: blue;">Tips for an easier close.</span></u><span style="color: blue;"><span style="mso-spacerun: yes;"> </span></span><span style="font-size: 10.0pt;"><span style="mso-spacerun: yes;"> </span></span>These suggestions will take some
of the mystery out of the process and help make this important event, a
pleasant one.</div>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">j)<span style="font: 7.0pt "Times New Roman";"> </span></span>Investment
Properties: Lenders know that most homeowners will default on an investment
property before they will do so on the home that they live in.<span style="mso-spacerun: yes;"> </span>As a result investment properties are a
higher risk to lenders and they will have higher rates as well as requiring a
larger down payment.</div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<ol start="2" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;">Buyer’s Remorse</b>:<span style="mso-spacerun: yes;"> </span>It is common to second guess your
purchase and question if you have made the right decision.<span style="mso-spacerun: yes;"> </span>After all this is one of the
biggest decisions you will ever make in this life.<span style="mso-spacerun: yes;"> </span></li>
</ol>
<div class="MsoNormal" style="margin-left: 1.0in; mso-list: l0 level2 lfo1; tab-stops: list 1.0in; text-indent: -.25in;">
<span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";"> </span></span>We
will provide you with a <u><span style="color: blue;">working budget</span></u><b style="mso-bidi-font-weight: normal;"><span style="color: blue;"> </span></b>that
can be used to compare your current expenses with proposed expenses when buying
a home.<span style="mso-spacerun: yes;"> </span>We recommend that you fill
out the budget and confirm that you are comfortable with replacing your housing
payment with the new PITI loan payments.<span style="mso-spacerun: yes;">
</span>The mortgage lending industry is fairly conservative and will only
approve you for a loan payment that falls within their ratios where most people
can make the payments.<span style="mso-spacerun: yes;"> </span>Most LDS
people will also want to factor in our church donations however, keep in mind
that you’ll get a substantial tax deduction as a homeowner.<span style="mso-spacerun: yes;"> </span>Where in addition to your church
donations being fully tax deductible, so are all of your interest (this is
nearly all of your house payment) and property tax payments.<span style="mso-spacerun: yes;"> </span>Your LDS Lender will consult with you
to make sure that you are buying within your means.</div>
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<span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";"> </span></span>Your
LDS Lender will also give you a detailed <u><span style="color: blue;">cost
estimate</span></u> outlining all of the projected costs that you will incur
when buying your particular home.<span style="mso-spacerun: yes;"> </span></div>
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<span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";"> </span></span>Money
for closing costs: Make sure you have enough money for the required closing
costs, prepaid items such as property taxes (6 months), homeowners insurance (1
year’s premium) and impound reserves (usually 2 months of taxes and insurance).
<span style="mso-spacerun: yes;"> </span>Money for closing costs usually
needs to be verified as your ”personal money” unless it is being paid for by
the seller.<span style="mso-spacerun: yes;"> </span>If you are borrowing
this money, the lender will want to add that payment into your qualifying debt
to income ratios.<span style="mso-spacerun: yes;"> </span>Please be sure
to advise your LDS lender so that this can be addressed up front and avoid any
problems at closing.<span style="mso-spacerun: yes;"> </span>You may also
be able to use “<b style="mso-bidi-font-weight: normal;">Gift Funds</b>” from a
family member.<span style="mso-spacerun: yes;"> </span>Be sure to discuss
this option with your LDS lender as well.</div>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;">Important Documents:</b> Gather all of
your Important documents that you might need while all of your other belongings
are packed and/or in transit.<span style="mso-spacerun: yes;">
</span>Put these in a safe and accessible place.<span style="mso-spacerun: yes;"> </span>After settling into your new home you may want to store
these important papers with your income tax documents.</li>
</ol>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;">Closing Agent:</b> Different areas of
the country have different service providers who handle the closing
function.<span style="mso-spacerun: yes;"> </span>Some are done by
Attorney’s, others are done with Escrow Companies and some are done with
Title Companies.<span style="mso-spacerun: yes;"> </span>Your LDS
Real Estate Agent will advise you as to who will be handling that function
on your purchase and your LDS Lender will advise you on refinance
transactions.<span style="mso-spacerun: yes;"> </span></li>
</ol>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: blue;">Personal Property Inventory</span></u>:</b> Take an
inventory of your home room by room before you start packing.<span style="mso-spacerun: yes;"> </span>We have provided the template forms to
do so on our website. <span style="mso-spacerun: yes;"> </span>This can
assist you in identifying what goes into each room of your new home.<span style="mso-spacerun: yes;"> </span>It can also be a great resource if
something is lost or broken during your move.<span style="mso-spacerun: yes;"> </span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Tips To Make Moving
Easier:</b> <span style="mso-spacerun: yes;"> </span>Read <u><span style="color: blue;">Moving Tips</span></u> and <u><span style="color: blue;">Moving
Tips Timeline</span></u> that you will receive from your LDS lender. <span style="mso-spacerun: yes;"> </span>Visit the websites on our list of <u><span style="color: blue;">Favorite Websites</span></u> for moving.<span style="mso-spacerun: yes;"> </span>They feature where to go for: school
information, local utilities, comparing local phone services & rates, computer
technology support, Consumer Reports, driving direction anywhere in the U.S.,
etc.</div>
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<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Please respect that
these forms and templates are intellectual properties of LDS Lenders and are ©<b style="mso-bidi-font-weight: normal;">copyrighted</b>.<span style="mso-spacerun: yes;"> </span></i></div>
<div class="MsoNormal">
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<b style="mso-bidi-font-weight: normal;"><span style="color: #68933e; font-family: "Arial Narrow"; font-size: 14.0pt; mso-bidi-font-family: Arial;">For More Information contact:</span></b></div>
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</tr>
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<td><br /></td>
<td align="left" bgcolor="white" height="137" style="background: white; vertical-align: top;" valign="top" width="218"><span style="position: absolute; z-index: 1;">
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<td><br /></td>
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</span><span style="position: absolute; z-index: 1;"></span><table cellpadding="0" cellspacing="0" style="width: 100%px;"><tbody>
<tr><td>
<div class="shape" style="padding: 3.6pt 7.2pt 3.6pt 7.2pt; text-align: left;">
<div class="MsoNormal" style="text-align: center;">
877-OWN-HOUSE</div>
<div class="MsoNormal" style="text-align: center;">
admin@ldslenders.com</div>
<div class="MsoNormal" style="text-align: center;">
<a href="http://www.ldslenders.com/">www.LDSLenders.com</a></div>
</div>
</td></tr>
</tbody></table>
</td>
</tr>
</tbody></table>
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<strong><span style="font-size: 13.5pt;"><br /></span></strong></div>
LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-54403813645923747342011-08-05T19:33:00.000-07:002011-08-05T19:33:46.316-07:00LDSLenders.com Can Help You Buy Your Dream Home.<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7vCdZj-DpJ5vCyFZyV3j_6NjZuzcz1F0EVEpZbmTbnaN5xtqjlsxA-JAzt-nP_uUf7N_Qn4idKFazmKKuOm9cbKrPhGOF0LhWbLHF3PajQNv0mDhA7cuQz4tGMTF-yVkeG7e4ZeFB_hyphenhyphens/s1600/Buy+Your+Dream+Home+with+a+Dream+Loan+from+LDSLenders.com+Banner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="394" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7vCdZj-DpJ5vCyFZyV3j_6NjZuzcz1F0EVEpZbmTbnaN5xtqjlsxA-JAzt-nP_uUf7N_Qn4idKFazmKKuOm9cbKrPhGOF0LhWbLHF3PajQNv0mDhA7cuQz4tGMTF-yVkeG7e4ZeFB_hyphenhyphens/s640/Buy+Your+Dream+Home+with+a+Dream+Loan+from+LDSLenders.com+Banner.jpg" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">Our network of LDS lenders have proven their performance over years. In most cases, we can get you LOWER RATES AND COSTS than if you go to a bank on your own. Work with us.<span></span></span></div>LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-54552853060574537702011-08-05T19:28:00.000-07:002011-08-05T19:28:18.973-07:00Why Get Pre-Approved at LDSLenders.com BEFORE You Shop?<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2jOCon56jjnBXsfcNmfbZXmKP0SbN_Ro1NkhX-n0Tk-YxrEvRAX989ppCrEoBJPQmSzROO8LF_kgqojvQ3P22ulcS-hgWWlG5NTsQACuk_mUxoj7jCnBaRtykR7E0iUbk8Rq64GaSMYDB/s1600/Get+Pre-Approved+at+LDSLenders.com+Before+Shopping+For+a+Home+Cart+Banner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="394" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2jOCon56jjnBXsfcNmfbZXmKP0SbN_Ro1NkhX-n0Tk-YxrEvRAX989ppCrEoBJPQmSzROO8LF_kgqojvQ3P22ulcS-hgWWlG5NTsQACuk_mUxoj7jCnBaRtykR7E0iUbk8Rq64GaSMYDB/s640/Get+Pre-Approved+at+LDSLenders.com+Before+Shopping+For+a+Home+Cart+Banner.jpg" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">Pre-qualification is now required before realtors can show or submit offers to purchase homes. You also have a negotiation edge over other buyers if your financing is in place.</span></div><div class="separator" style="clear: both; text-align: center;"><br />
</div>LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-1082920005914346192011-08-05T19:21:00.001-07:002011-08-05T19:21:35.519-07:00Contact LDSLenders.com to Discuss Your Options<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXEry5K-GD0MykdYEzDDowmiNgv7dPDbHKKF8TRc0ADr9J7Q0PQFDjsqVuVrWcL2ALHcUEEbk7t_zUltrYCbnE2o5bfBEpq_yzsnoNAP2sp4ks2NogFe3nX89V4qcCqEpR9dPQeaQupqGQ/s1600/Upside+Down+House+Talk+to+LDSLenders.com+About+Your+Options+Banner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="394" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXEry5K-GD0MykdYEzDDowmiNgv7dPDbHKKF8TRc0ADr9J7Q0PQFDjsqVuVrWcL2ALHcUEEbk7t_zUltrYCbnE2o5bfBEpq_yzsnoNAP2sp4ks2NogFe3nX89V4qcCqEpR9dPQeaQupqGQ/s640/Upside+Down+House+Talk+to+LDSLenders.com+About+Your+Options+Banner.jpg" width="640" /></a></div>LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-87468044721339673062011-08-05T19:18:00.000-07:002011-08-05T19:18:23.495-07:00LDSLenders.com Works Quickly to Get Your Loan Approved.<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWsQawn2H1GEet4ddm6gUEUMBztJlK_suswdOLX4XUb6y0FyHILbb-zHsnrA9kDZOOdYDhkEFtSGnoHbqBHeu6Kdk8eQOwFzbOAMvfLjGsK3VXUC3pP1fc5hYbOdGCU4L4-vnuImMh16L9/s1600/LDSLenders.com+Can+Often+Approve+Your+Loan+in+Minutes+Time+Clock+Banner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="394" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWsQawn2H1GEet4ddm6gUEUMBztJlK_suswdOLX4XUb6y0FyHILbb-zHsnrA9kDZOOdYDhkEFtSGnoHbqBHeu6Kdk8eQOwFzbOAMvfLjGsK3VXUC3pP1fc5hYbOdGCU4L4-vnuImMh16L9/s640/LDSLenders.com+Can+Often+Approve+Your+Loan+in+Minutes+Time+Clock+Banner.jpg" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">Register at LDSLenders.com to get connected to a mortgage lender who fits your needs. Our lenders will then work quickly to get your loan approved. Often in just minutes!</span></div>LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-11140956318618065702011-08-05T19:13:00.000-07:002011-08-05T19:13:55.779-07:00LDSLenders.com is a Nationwide Network of Lenders You Can Trust.<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvDERbC1sQ_lpCH6gdDuY4XjtsVbMks0upRAw9EIfWeg-_Fh5vADmJYYpqI5X4eFK5ENXeMUdeiG615v-JUyEoFNn10c0l64dv6LdQ5gl2QiLuET8Vgzgb2RvwGz-E80DC6mXSjWj1pS57/s1600/Choose+LDSLenders.com+Other+Lenders+Can+be+Questionable+Banner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="394" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvDERbC1sQ_lpCH6gdDuY4XjtsVbMks0upRAw9EIfWeg-_Fh5vADmJYYpqI5X4eFK5ENXeMUdeiG615v-JUyEoFNn10c0l64dv6LdQ5gl2QiLuET8Vgzgb2RvwGz-E80DC6mXSjWj1pS57/s640/Choose+LDSLenders.com+Other+Lenders+Can+be+Questionable+Banner.jpg" width="640" /></a></div>LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-73996496258887766452011-08-05T18:59:00.000-07:002011-08-05T19:10:37.845-07:00LDSLenders.com Offers a Variety of Online Financial Tools to Assist You.<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEji2ZeFPE3fcsXEv4e2YUzS83nT-W8ZauoVLhTq_UcWsI3UZE6Ro-JBmQZ4gl862MBOBtQf6D5Lfhyphenhyphenqe_aWikry_46_Oj_qRxsp0EzaD0jtMp-T6wKD4bkHnuX7A2808YMOpphHN_8SiBg7/s1600/LDSLenders.com+Mortgage+Calculator+Banner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="394" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEji2ZeFPE3fcsXEv4e2YUzS83nT-W8ZauoVLhTq_UcWsI3UZE6Ro-JBmQZ4gl862MBOBtQf6D5Lfhyphenhyphenqe_aWikry_46_Oj_qRxsp0EzaD0jtMp-T6wKD4bkHnuX7A2808YMOpphHN_8SiBg7/s640/LDSLenders.com+Mortgage+Calculator+Banner.jpg" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">Our Mortgage Calculator is just one of many financial tools on the LDSLenders.com website to assist you. Visit LDSLenders.com to learn more.</span></div>LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-68242218180411956752011-08-05T18:52:00.000-07:002011-08-05T18:52:28.770-07:00LDSLenders.com Can Lock Rates for 60+ Days<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnNEXz4caSOdZt9I-AExcN4hEQSnG4x7LCzCjPa_jyAfMVv_z1OyOIsvrUG-wvaJUMQj9tlrNs8KyetGZ-jewyQ3Cbgi1S-hf58lbRmSH0qI3i0CMCxa3PMnI0x_U8nIPCWp3U30FHQQy_/s1600/LDSLenders.com+Helps+You+Lock+a+Low+Rate+for+a+Low+Payment.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="394" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnNEXz4caSOdZt9I-AExcN4hEQSnG4x7LCzCjPa_jyAfMVv_z1OyOIsvrUG-wvaJUMQj9tlrNs8KyetGZ-jewyQ3Cbgi1S-hf58lbRmSH0qI3i0CMCxa3PMnI0x_U8nIPCWp3U30FHQQy_/s640/LDSLenders.com+Helps+You+Lock+a+Low+Rate+for+a+Low+Payment.jpg" width="640" /></a></div><br />
<br />
<span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">LDSLenders.com is a network of nearly 200 </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">mortgage lenders representing nearly every bank </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">across the USA & Canada. Over the years, we’ve </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">worked with LDS lenders who’ve proven they </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">can complete very competitive loans. Only the best </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">are asked to participate in the LDSLenders.com network. </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">Lock a low rate with LDSLenders for a low payment.</span>LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0tag:blogger.com,1999:blog-4548067252151760917.post-80960969499469268172011-08-05T18:44:00.000-07:002011-08-05T18:44:45.735-07:00Over 97% of LDSLenders.com Applicants are Approved<div class="separator" style="clear: both; text-align: center;"><span class="Apple-style-span" style="clear: right; color: #444444; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="393" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtYbSTEsGVk6h5WiVf9qOjMFFNsvmTFP238ION8iT5BEj8BX1EtSOUvRR7PVvFqctSaa-uWfDap_vVhqkPK1qNhUkKKW9flViYhgE4idMHZIj4i5a7pn9rMUufy8W84qOWpF6BzCloK0Xd/s640/LDSLenders.com+97+Percent+of+Our+Applicants+are+Approved+Banner.jpg" width="640" /></span><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtYbSTEsGVk6h5WiVf9qOjMFFNsvmTFP238ION8iT5BEj8BX1EtSOUvRR7PVvFqctSaa-uWfDap_vVhqkPK1qNhUkKKW9flViYhgE4idMHZIj4i5a7pn9rMUufy8W84qOWpF6BzCloK0Xd/s1600/LDSLenders.com+97+Percent+of+Our+Applicants+are+Approved+Banner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;"></span></a></div><br />
<span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">LDSLenders.com knows what banks need to get loans approved. </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">While traditional banks often place clients in </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">higher rate loans and decline 23% of applicants, </span><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">LDSLenders.com gets loans closed and represents YOU!</span>LDSLenders.comhttp://www.blogger.com/profile/00478176850516643637noreply@blogger.com0