RATES ARE AWESOME!

A 10 YEAR FIXED UNDER 4% - WOW!  The homebuyer tax credit may be gone (if you didn't close by June 30th unless they pull off a Hail Mary pass and get it extended at the last minute) but interest rates are so low you may want to make a move now and take advantage of motivated sellers, great deals on properties, and affordable mortgage rates.

The mortgage industry is still a little crazy, and they'll make you run the guantlet of the approval process, so be prepared to jump through hoops up until the day you close on your loan, and perhaps even after.  Investors are so paranoid about loans going bad they really scrutinize buyers and properties.  Don't take it personally - they make everyone jump through these hoops to get a loan.

I've been in the mortgage business for over 24 years now, and the company I was with for the past year closed their doors after 42 years because of the current lending environment.  Now I'm with Guaranty Bank out of Brown Deer, Wisconsin, as Guaranty Mortgage.  They are a family-owned bank that has been around since 1923.  This means I've got more programs, great service, and as always - my vast experience to help you manover the landmines of home financing.

If you want to check on the low rates, get a mortgage check-up to see if refinancing or debt consolidation is right for you, just give me a call.  You can go to my website:  http://www.jolynthemortgageexpert.com/ for helpful information and apply on line.  I'm here to help.