Today’s interest rates are at an all-time low. You may want to lock in a low rate while you can. Rates are subject to change. Interest rates, like stocks, change daily; it is hard to predict whether the rate will go up or down. It is best to see what your payment is at the current rate, and take a look at what the payment would be if the rate increases or decreases by ⅛. Interest rates are quantified by ⅛ s, such as 3 1/8%, 3 1/4%, etc. You will then be able to calculate the...
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MASTERING THE RESIDENTIAL PURCHASE CONTRACT-CONTRACT LAW
The gears are already in motion, come learn the details of the AAR Residential Resale Purchase Contract from a PRO. Counsel Mortgage Group, LLC is co-sponsoring this course by MPH School of Real Estate on Thursday, December 3, 2020. This class will teach you all that you need to know about the changes and how it will affect the way you do business. We offer a variety of products and services, ask us how we can assist you today: Counsel Mortgage Group®, LLC www.counselmortgage.com 480-502-1000 NMLS #178927 AZ MB #0909580 CA DBO #60DBO43873
November 21, 2020November 21, 2020
NOW OR LATER?
The interest rates have remained low and are currently under 3%. Waiting to buy a home may not be the best decision, rates are subject to change. There’s no guarantee rates will remain low. Choosing to buy now may give more purchasing power than if you wait until later. It is also a good time to consider a refinance. Contact us and we can help you analyze if this is a good time for you to buy or refinance. We offer a variety of products and services, ask us how we can assist you today: Counsel Mortgage...
November 19, 2020November 20, 2020
WE CAN HELP
November 17, 2020November 18, 2020
APPLYING FOR A COMMERCIAL LOAN IN THE COVID ENVIRONMENT
Lenders have raised the bar on underwriting guidelines in recent years, and more specifically in the COVID era. Back in the good ‘ole days, prior to the Great Recession and now COVID, lenders did what might be now described as a cursory job of underwriting the borrower. They typically asked for a simple financial statement, personal & business, with a credit check, and that was the extent of the credit items required. Back then, they focused almost exclusively on the pros and cons of the property. And if they liked the risks associated with the property, it was very...
November 14, 2020November 14, 2020
WHAT SHOULD YOU DO TO PROTECT YOURSELF WHILE IN FORBEARANCE?
We offer a variety of products and services, ask us how we can assist you today: Counsel Mortgage Group®, LLC 480-502-1000 www.counselmortgage.com NMLS #178927 AZ MB #0909580 CA DBO #60DBO43873 Copyright © 2020 Counsel Mortgage Group®, LLC.
October 30, 2020October 30, 2020
WHAT SHOULD YOU DO IF YOUR MORTGAGE STATEMENT IS INCORRECT?
If you see a discrepancy on your statement you need to contact the loan servicer. You can call them over the phone but it is a best practice to write a formal letter regarding disputed charges. Remember to use the address the server requests be used for written communications. Otherwise a response may be delayed. Here is an article outlining important steps to follow when disputing an error with your servicer:
October 25, 2020October 28, 2020
COUNSEL MORTGAGE GROUP CLIENT REVIEWS
“Counsel Mortgage and John Rapasky is an excellent choice if you are looking for real estate finance. I have been a full time practicing real estate broker for over 15 years, licensed in Arizona and California. I have worked with more lenders than I can count. In the last transaction in which I represented the buyer, I had the chance to work with John. John’s rates and pricing were better than two other local lenders, which is why my buyer chose to work with him, but finance is so much more than pricing, and John delivered on all accounts. We...
October 22, 2020October 28, 2020
COUNSEL MORTGAGE GROUP LLC
We’re a mortgage brokerage located in Arizona and provide service in both Arizona and California. We have several dedicated, qualified and talented originators available to assist you with your lending needs. We welcome you to take a look at our client reviews to get a feel for how invested we are in helping our customers. We’re driven to provide you with outstanding customer service while making one of the most important investments decisions hassle free. Click link for reviews and get to know some of our originators! http://counselmortgagegroup.com/testimonials/ We offer a variety of products and services, ask us how we...
October 20, 2020October 28, 2020