Joel Morando Real Estate

24 Thoughts Never To Forget: 1. Your presence is a present to the world. 2. You're unique and one of a kind. 3. Your life can be what you want it to be.... 4. Take the days just one at a time. 5. Count your blessings, not your troubles. 6. You'll make it through whatever comes along. 7. Within you are so many answers. 8. Understand, have courage, be strong. 9. Don't put limits on yourself. 10. So many dreams are waiting to be realized. 11. Decisions are too important to leave to chance. 12. Reach for your peak, your goal, your prize. 13. Nothing wastes more energy than worrying. 14. The longer one carries a problem, the heavier it gets. 15. Don't take things too seriously. 16. Live a life of serenity, not a life of regrets. 17. Remember that a little love goes a long way 18. Remember that a lotgoes forever. 19. Remember that friendship is a wise investment. 20. Life's treasures are peopletogether. 21. Realize that it's never too late. 22. Do ordinary things in an extraordinary way. 23. Have health and hope and happiness. 24. Take time to wish upon a star. ***And don't ever forgetfor even a dayHow very special you are!! See more

FHA Tightens Lending Insurance Requirements to Limit Risk On Friday, the Federal Housing Administration (FHA) restated intentions originally announced in 2010 to enact more stringent performance requirements for Department of Housing and Urban Development-approved lenders by increasing lender indemnification, with an eye toward limiting risk and strengthening finances for its Mutual Mortgage Insurance (MMI) Fund. These new regulations strengthen the process by which FHA requ...Continue reading

FHA Mortgage Rates Still at All-Time Lows Last week saw mortgage rates set new all-time lows once again, according to Freddie Mac’s Primary Mortgage Market Survey. This is most likely a result of negative news regarding European debt, because recent U.S. economic data has been fairly strong (although last weeks’ initial unemployment figures and retail sales reports bucked this trend). Typically rates fall on bad news, and rise on good news, so the uncertainty surrounding th...e European debt problems has been a boon for borrowers. The rates on FHA loans have been falling along with the rates on other products, which is good news for first time homebuyers or for those without a lot of money to use for a down payment on a home. One of the reasons that FHA loans have become so popular in recent years is that they only require a minimum down payment of 3.5% of the purchase price of the house, and they tend to have more relaxed credit score requirements than traditional loans. If you have a solid credit history and a consistent source of income, you may be able to qualify for an FHA mortgage. Today’s on a 30 year fixed FHA loan is 3.625% with an APR of 4.975%*. If you already have an FHA loan and are thinking about refinancing, the FHA has made it easy to do so with its streamline refinancing program. This program frequently enables people with FHA loans to refinance with a new appraisal. This makes the refinancing process cheaper and easier than ever before. To take advantage of these low FHA rates, call us today at 877-868-2503. One of our licensed loan officers can help you make an informed decision about whether or not an FHA mortgage is the right mortgage for you.

I hope that all of you had the best weekend ever and found the time to relax, laugh, and enjoy the Holiday. This is the last week of 2011. I truly hope that you have enjoyed these messages as much as I have enjoyed sending them to you. They will continue this upcoming year and I would love to hear from you when you enjoy them. All of us have accomplished much and we should be proud of the amazing progress we have made. We take with us the experiences that we have had and we... start a new year better off and smarter. We need to resolve to always keep an open, positive, and helpful mindset. We need to resolve to always do our very best, take care of ourselves and all those around us, and be willing to go the extra mile every time we can. We need to make sure we spend as much time, if not more, with family and friends as we do working. We need to find our passions and keep those flames lit. I wish you all the very best and I look forward to seeing your best year yet. This week finish off those last minute things that you did not yet do this year and spend some significant time planning for 2012. It will be your best year ever should you decide!!! Happy New Year to you all.