http://www.ronyarbrough.com/blog A Mortgage is a Long Term Investment, Not just a loan! Tue, 19 Jan 2010 18:00:17 +0000 http://backend.userland.com/rss092 en In today's financial climate first time homebuyer's are really stuck having to come up with a down payment to purchase a home or get a sizable gift from a relative that is loosing money in their own portfolio. I have had many requests for more information from the Kansas City Area ... http://www.ronyarbrough.com/blog/?p=30 Topeka, KS – Darla Buckman, Acting State Director for USDA Rural Development, announced that the Guaranteed Rural Housing (GRH) Loan Program fund usage has already reached an all-time high in Kansas for this Fiscal Year (FY09). This record funding surpasses previous annual records occurring in 2006, 2007, and 2008. So ... http://www.ronyarbrough.com/blog/?p=29 One of the issues for refinancing is equity nationwide.  Fha has a Streamline Refinance Option and many other Government Home Loan Programs do as well.  No Appraisal Required and if you have a second mortgage above the current value of your home you can still refinance. Last week rates dropped to ... http://www.ronyarbrough.com/blog/?p=27 In today’s financial climate first time homebuyer’s are really stuck having to come up with a down payment to purchase a home or get a sizable gift from a relative that is loosing money in their own portfolio.I have had many requests for more information from the Kansas City Area ... http://www.ronyarbrough.com/blog/?p=26 I know I have blogged about the opportunity in the past but I cannot believe more potential homeowners have not taken advantage of the Zero Down Mortgage program.  I have been closing USDA RECD home loans for over 12 years and they have always been zero money out of pocket, ... http://www.ronyarbrough.com/blog/?p=25 If one of the biggest fears for our economy is deflation, why would the Fed come out boasting a 4.5% conforming rate.  To the masses this keeps potential homeowners on the fence. Many of my clients have decided to go ahead with a no cost refinance now to hedge their bets ... http://www.ronyarbrough.com/blog/?p=24 Well at least for homeowners that need to lower their interest rates.  With the Fed injecting money into Mortgage Backed Securities we will see the interest rates improve.  Yesterday we saw a 1/2 pt drop in conforming and Government loan rates.  True no cost refinance rates were as low as ... http://www.ronyarbrough.com/blog/?p=23 Have you lived by the old school of pay off your mortgage early for retirement and now your retirement fund is cut in half.  Well you are not alone.  As a Certified Mortgage Planning Specialist, we have helped our clients manage their mortgage for retirement, education costs, life events, healthcare and ... http://www.ronyarbrough.com/blog/?p=22 Effective January 1st Seniors can use a reverse mortgage to purchase a home.  There is no longer a need to liquidate falling retirement accounts and seniors can avoid mortgage payments on the balance.  Reverse mortgages are a growing segment of business for mortgage companies and a way to help suppliment ... http://www.ronyarbrough.com/blog/?p=21 This the 1 year treasury falling below a .25% who would want to invest in such a SECURE/SAFE investment?  With treasuries falling out of favor, it is more important now to work with a Mortgage Planner.  As mortgage planners know and understand that the mortgage backed securities come in favor ... http://www.ronyarbrough.com/blog/?p=20