Tag: <span>#counsel</span>

NOW’S THE OPTIMUM TIME TO BUY OR REFINANCE
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NOW’S THE OPTIMUM TIME TO BUY OR REFINANCE

Rates are low. and rates are subject to change. Now is a good time to buy or refinance.   We are a mortgage broker and offer wholesale rates and costs in Arizona and California. We originate both residential and commercial loans.    Contact Counsel Mortgage Group, we can help you!   We offer a variety...

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MORTGAGE, REFINANCING AND SKIPPING PAYMENTS

You may have heard about skipping a payment, or maybe even 2 months payments, when you refinance? Is skipping a payment tricking the system, or getting away with something? No, in fact, you may be front-loading more cash at closing.  

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HOW MUCH OF A DOWN PAYMENT DO I NEED?

How much money should you put down on the purchase of a property? If you just want to put the minimum down, then you are generally looking at 3% down for a primary residence (unless it is a down payment assistance, VA, or USDA loan), 10% down for a second/vacation home, and 20% down for...

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COUNSEL MORTGAGE GROUP

  We are a brokerage based in Arizona licensed to provide services in both Arizona and California.   We have relationships with many banks, insurance companies, and private investors and have access to wholesale rates and products that are not directly available to the public. We canvass our resources daily to find the lowest rates...

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IT’S PRETTY SIMPLE

We named our company Counsel Mortgage because this is what we do. We provide counsel to help you find the right mortgage. We are a mortgage broker, and search wholesale lenders to find the best rate and costs. That is it. It’s pretty simple.   When you are searching for a mortgage company to help...

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FIRST-TIME HOMEBUYERS

  First time homebuyers will call me asking for a FHA loan. I guess the urban myth is that there is not a low-down payment option for conventional loans. However, this is not true. Conventional loans can be obtained for as little as 3% down.   So, what results in a better option for the...

November 25, 2019November 25, 2019 In FHA
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WHY AN INVERTED YIELD CURVE IS GOOD FOR FINANCING CRE

The black economic cloud that is typically associated with an inverted yield curve does indeed have a silver lining. The correlating chart shows the U.S. Treasury rates for Jan. 2, 2018, the blue normal curve, and Aug. 13, 2019, the red inverted curve.  The inverted portion of the curve doesn’t turn positive vs. the 20-day...

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SO MUCH NEWS, BUT SO LITTLE CHANGES

  We’ve endured the endless bombarding of “up-to-the–minute” news, “news-alerts”, and “this just in” for what seems like, dare I say, forever! And this doesn’t even include the onslaughts to those of you who stay glued to your hand-held devices for the never-ending tweets and hashtags. And the hot topics of the days gone by...

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THE FED IS JUST THE TIP

  Perhaps a better question isn’t when will they drop or raise the rate again, or by how much, but rather why will they do either, or consciously decide to do nothing.   The by-now-well-known (accepted) reason is to support the stock market, of course. But that’s old hat – everybody knows that, and as...

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CLIENT REVIEW: WHY WORK WITH A COUNSEL MORTGAGE BROKER 

When it came time for us to buy our new home a few months ago, we had a couple options for obtaining a mortgage. Previously, we worked with John at Counsel Mortgage on a re-fi a few years back, and so we decided to go with Counsel again. A lot has changed in the last...