A very thoughtful Letter of Recommendation…

20 01 2014

keysI have been a sheriff for 36 years and met Linda Fox while I was going through turmoil and a tense time trying to get a loan from another company. She really came through for me. She walked me through every part of the loan process and made an arduous situation gratifying.

At the closing, Linda was the utmost professional and yet made it an enjoyable experience. She went above and beyond. It was an easy transition and it was due to Linda, who took the time out for the little details. And, to this day, I can pick up the phone to call Linda to address any questions or concerns. She is always there, friendly, and thoughtful.

I can’t stress enough, if you need a loan, Linda is the person for you. Why you would go anywhere else is beyond me.

Sincerely yours, Robert


Dog mourns at casket of fallen Navy SEAL –

25 08 2011

I wanted to post this because it is so very real. When I read this I am so appreciative for what we all have.

via Dog mourns at casket of fallen Navy SEAL – TODAY Pets & Animals – TODAY.com.

By Scott Stump

TODAY.com contributor

                           updated 8/25/2011 9:54:58 AM ET

Tumilson’s Labrador retriever, Hawkeye, was photographed lying by Tumilson’s casket in a heart-wrenching image taken at the funeral service in Tumilson’s hometown of Rockford, Iowa, earlier this week. Hawkeye walked up to the casket at the beginning of the service and then dropped down with a heaving sigh as about 1,500 mourners witnessed a dog accompanying his master until the end, reported CBS.

Navy SEAL Jon Tumilson lay in a coffin, draped in an American flag, in front of a tearful audience mourning his death in Afghanistan. Soon an old friend appeared, and like a fellow soldier on a battlefield, his loyal dog refused to leave him behind.

Image: Jon T. Tumilson


Petty Officer 1st Class Jon T. Tumilson was killed along with other SEALs on Aug. 6 in Afghanistan.

The photo was snapped by Tumilson’s cousin, Lisa Pembleton, and posted on her Facebook page in memory of the San Diego resident. Tumilson, 35, was one of 30 American troops, including 22 Navy SEALs, who were killed when a Taliban insurgent shot down a Chinook helicopter with a rocket-propelled grenade on Aug. 6.

“I felt compelled to take one photo to share with family members that couldn’t make it or couldn’t see what I could from the aisle,” Pembleton wrote on her Facebook page. “To say that he was an amazing man doesn’t do him justice. The loss of Jon to his family, military family and friends is immeasurable.’’

“A Gameplan for Life”

25 08 2011

  This book has circulated around my family; it came to me from Florida, and from Texas before that. We’ve all been inspired by the individuals whom John Wooded mentored, and also by the people who were mentors to him.  One page of the book stands out to me specifically. When young John completed grade school, his dad gave him “a two-dollar bill, and small poem on one side, and seven rules for living on the other.” (see below) My own dad was a huge mentor to me. He died of a heart attack about a year and a half ago. I look back with great memories on how he affected my life; I miss him but I know he’d be proud of what I’m doing with my life.

1.  Be true to yourself.

2. Make each day your masterpiece.

3. Help others.

4. Drink deeply from good books.

5. Make friendship a fine art.

6. Build a shelter against a rainy day.

7. Pray for guidance and give thanks for your blessings every day.”

Click Here to go to Avenuemortgage.com

5 08 2011


The Home Buying Process

5 08 2011
Buying a Home

1. Figure out how much you can afford
What you can afford depends on your income, credit rating, current monthly expenses, downpaymentand the interest rate. 

 - How much home can you afford?
 - Buying vs. Renting
 - Home Economics
 - Homebuying programs in your state

2. Know your rights

 - Fair Housing: Equal Opportunity for Allbrochure
 - Real Estate Settlement Procedures Act (RESPA)
 - Borrower’s rights
 - Predatory lending

3. Shop for a loan

 - Looking for the best mortgage: shop, compare, negotiate– brochure
 - Let FHA help you
 - Learn about interest only loans
 - Avoid Predatory Lenders

4. Learn about homebuying programs

 - Homebuying programs in your state
 - Let FHA help you (FHA loan programs offer lower downpayments and are a good option for first-time homebuyers!)
 - HUD’s special homebuying programs 

 - Good Neighbor Next Door(formerly known as Teacher/Officer/Firefighter Next Door)
 - Hurricane Evacuees discounted sales
 - Homeownership for public housing residents
 - Indian Home Loan Guarantee Program(Section 184)

5. Shop for a home

 - Choose a real estate agent
 - Wish list– what features do you want?
 - Home-shopping checklist? take this list with you when comparing homes
 - Homes for sale(including HUD homes)
 - Fixer-Uppers – home purchase and repair programs
 - Manufactured (mobile) homes
 - Build a home

6. Make an offer

 - Making an offer

7. Get a home inspection

 - For Your Protection Get a Home Inspection
 - 10 Questions to ask a home inspector

8. Shop for homeowners insurance

 - Homeowners insurance
 - 12 ways to lower your homeowners insurance costs

9. Sign papers
You’re finally ready to go to “settlement” or “closing.” Be sure to read everything before you sign!

 - Settlement Costs and Helpful Information

Low or No Money Down Programs

5 08 2011

Who Says You Need 20% Down Payment

HomePath Program

  • Only designated Homepath properties are eligible (not Homepath renovation)
  • No appraisal required
  • No MI required
  • 3% down payment can be a gift
  • Min 660 score to go to 97% loan to value

Fannie Mae 97%

  • 3% down payment from borrowers own funds
  • Monthly and split edge MI available
  • Min 720 score required
  • Max DTI 41% (MI requirement)
  • 3% seller contribution to closing costs/pre paids/ points are allowed

FHA 96.5% (plus MIP)

  • Non occupant coborrowers are allowed
  • 3.5% down payment can be a gift
  • Upfront MIP of 1% can be financed
  • 6% seller contribution to closing costs/ pre paids/ points are allowed
  • Min 640 score is required

203K Streamline

  • 3.5% down payment can be a gift
  • Upfront MIP of 1% can be financed
  • Finance non structural repairs /improvements up to $35,000
  • Min 640 score is required

USDA 100%

  • 3.5% funding fee can be financed
  • Max DTI 45%
  • Min 640 score is required
  • No monthly MI
  • 6% seller contribution to closing costs/pre paids/ points (higher will be considered with restrictions)
  • Geographic and income restrictions

VA 100%

  • Funding fee determined by veteran status, can be financed
  • Borrower must be a veteran or currently in the military
  • No monthly MI
  • Min 620 score is required

IHDA 2% down-

  • Min 660 score is required
  • 3 years proof of tax returns to show you are a first time buyer
  • Household incoem less than $75,100.00
  • Max DTI 45%
  • Monthly and split edge MI available

Refinance Prequalification Form

5 08 2011

Click here to open attachment

Application Checklist:

last 2 years tax returns

last 2 years W2s

30 days paystubs

3 months checking and savings bank statements (all pages even if blank)

quartly retirement/investment/social security statement (all pages even if blank)

drivers license and social security card

home owner’s insurance payment, agent, and phone number

current mortgage statement

property tax statement