February 6th, 2010
in
Phoenix Real Estate |
No Comments »
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Credit Card Myths. Myth #2 this week; #3 next week
The myths and the reality
Myth No. 2: You can stop unsolicited credit card offers by sending them back in the postage-paid envelopes.
If you want to cut the number of unsolicited credit card offers you receive, you need to get off the mailing lists before they’re compiled. Here’s how:
Sign up with the credit card bureaus’ opt-out service. This service removes you from the marketing lists they sell to credit card issuers and can be reached at 1-888-5-OPT-OUT or OptOutPrescreen.com. You’ll need to provide your Social Security number and a few other pieces of identifying information.
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Mortgage Interest Rates for Fixed Rate Mortgages*
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Rates as of Saturday, 6th February, 2010:
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Term
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Conforming
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APR
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Payment per
$1,000
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Jumbo
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APR
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Payment per
$1,000
|
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FHA - 30 yr Fixed
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360
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5.10%
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5.247%
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$5.43
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5.125%
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5.213%
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$5.44
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FHA - 15 yr Fixed.
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180
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4.50%
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4.748%
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$7.65
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%
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0.000%
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$0.00
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Conv. - 30-Yr Fixed
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360
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4.92%
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5.065%
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$5.32
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6.3%
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6.395%
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$6.19
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Conv. - 15-Yr Fixed
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180
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4.25%
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4.496%
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$7.52
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%
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0.000%
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$0.00
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5/1 - Adjustable Rate
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360
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4.14%
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4.279%
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$4.86
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%
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0.000%
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$0.00
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USDA - Fixed 30 yr.
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360
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5.00%
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5.146%
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$5.37
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%
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0.000%
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$0.00
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*Rates are subject to change due to market fluctuations and borrower’s eligibility.
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2-5-2010 - Interest rates were down about 1/8th this week. Remember the ‘tax credit’ of $8,000 and $6,500 has been extended to contracts written before May 1, 2010. Many think the ‘tax credit’ is money waiting for the buyer at the title company. It is NOT. The buyer has to fill out an IRS form and gets reimbursed about June of 2010. BK 0905487
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Jim Carney
Loan Officer
American Mortgage Specialists
Phone: (623) 544-3370
Fax: (623) 201-1606
JimCarney@amsaz.com
Posted via email from Active Adult Living
February 5th, 2010
in
Phoenix Real Estate |
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First of Feb. in Sun City and the trees are in bloom. Can’t beat the Arizona winters. Want to see more? Visit www.Retiring2Az.com
Posted via email from Active Adult Photo Blog
February 3rd, 2010
in
Phoenix Real Estate |
No Comments »
169,000
This home is in a great area of North Central Phoenix. 2776 sq ft makes this home a very desirable home for someone who is willing to roll up their sleeves to do some work, or an investor who wants a great return on their investment. Get more information, click here.
Lynn Otlewski 623-238-3875
Posted via email from The Phoenix Real Estate Advisor
February 3rd, 2010
in
Phoenix Real Estate |
No Comments »
$170,000
This is a great home with loads of room, 1959 sq ft and features an open floor plan, great neighborhood, 4 bedrooms and 2.5 baths. The master bedroom is huge with space for a great sitting room. Soaking tub and shower in the master bath. Double sinks in both full baths. Laminate flooring in Kitchen and Entryway. Living room has a dining area, and the kitchen is an eat-in kitchen. Large yard. This home is being offered as a short sale and subject to bank approval. Take a look at more photos by clicking here.
Posted via email from The Phoenix Real Estate Advisor
January 30th, 2010
in
Phoenix Real Estate |
No Comments »
| Credit Card Myths. Myth #1 this week; #2 next week
The myths and the reality
Myth No. 1: Your credit card account isn’t opened until you activate it using the issuer’s toll-free number.
Several consumers have changed their minds about opening new credit cards after they’ve applied, then asked if they could undo the damage to their credit scores by not calling to activate the card.
Sorry, but the ding to your credit scores — typically 5 points or less — happens as soon as the issuer pulls your credit reports, which is usually within seconds of receiving your application. The account shows up as active on your credit reports shortly after the card is approved.
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| Mortgage Interest Rates for Fixed Rate Mortgages* |
| Rates as of Friday, 29th January, 2010: |
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Term
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Conforming
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APR
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Payment per
$1,000
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Jumbo
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APR
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Payment per
$1,000
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FHA - 30 yr Fixed
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360
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5.17%
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5.317%
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$5.47
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5.50%
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5.590%
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$5.68
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FHA - 15 yr Fixed.
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180
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4.50%
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4.748%
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$7.65
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%
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0.000%
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$0.00
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Conv. - 30-Yr Fixed
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360
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4.98%
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5.126%
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$5.36
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6.38%
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6.475%
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$6.24
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Conv. - 15-Yr Fixed
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180
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4.31%
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4.557%
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$7.55
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%
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0.000%
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$0.00
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5/1 - Adjustable Rate
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360
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4.18%
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4.319%
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$4.88
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%
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0.000%
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$0.00
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USDA - Fixed 30 yr.
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360
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5.125%
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5.272%
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$5.44
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%
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0.000%
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$0.00
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Posted via email from Active Adult Living
