Biweekly Mortgage NewsLetter

If you are interested in receiving this Biweekly Newsletter every other Monday, please email me at brad.lynch@servicefirstmtg.com and I'll be sure you get them.

SFMC Advocate's Cognition Circular
September 2009
Dear Brad,
As Your Mortgage Consultants for Life at Service First Mortgage, Brad Lynch & Michael Greiner are always interested in your feedback or thoughts. Therefore, please email or call us with things you think we are not including but would like for us to include in our biweekly newsletter.
Brad - bl@fmillc.com
Michael - mg@fmillc.comWe look forward to hearing from you as always!

Sincerely,

Brad Lynch &
Michael GreinerService First MortgageBrad Lynch 469-450-2723 bl@fmillc.com
Michael Greiner 972-261-1055 mg@fmillc.com

Shattering Windows Myths
Since we are seeing so much rain lately.
- Thank ABC 7 News for this cool picture!
There are a number of outdated beliefs about storms and window safety that the Institute for Business & Home Safety (IBHS) would like to set straight. For instance, "Open the windows during a storm to relieve the pressure that could build up and cause more damage." If you've never heard this advice before, don't pay any attention to it now. If you or someone you know believes it, read on for the IBHS's expert recommendations:
1. Do NOT open windows during a storm. This doesn't relieve pressure - it just lets damaging wind and rain into your home.
2. Tape does NOT protect your windows from flying debris. It might keep more of the glass together when impacted, but will not keep it in place.
3. Window film does NOT provide much protection from the impact of debris. It does, however, hold glass shards together when the window breaks. Also, some thicker "structural" film has passed the "small missile" test, which applies to things like gravel and similarly sized objects.

Stressed Out? Take These Steps Our work lives are often filled with what can seem like unbearable amounts of stress. And while some of those stresses are unavoidable, there's a lot you can do to start to whittle those high levels of stress down to something that feels at least manageable. Here are a few suggestions: Know when to say "No." That means you have to first understand your own limits. Then set limits on others so they don't encroach on your time by pressuring you to take on tasks or responsibilities that will throw you out of balance. If possible, avoid people who consistently stress you out. If your boss is the culprit, you might not be able to do this. And you can't steer clear of everyone who inadvertently or occasionally causes you anxiety. But you can avoid people who have a history of leaving you feeling stressed after you've tried to change the situation and they haven't responded. Don't expose yourself to unnecessary environmental stressors. For instance, if you read the news on the Internet during your break, but it leaves you feeling tense, stop reading the news on your break. Do something that relaxes you instead: Go for a short walk, knit, meditate, work a puzzle. Learn to manage your time. Letting projects go until the deadline is upon you will undoubtedly cause you stress. Work at a steady pace - and don't procrastinate. Procrastination can affect the quality of your work and leave you feeling anxious and strained for prolonged periods.
About Service First Mortgage
At Service First Mortgage, we work "By Referral Only". This makes it possible for us to spend 100% of our time with our current loyal clients for life, rather than chasing down our next "deal". If you or someone you know needs a mortgage consultant they can trust, please give us a call or email us.
"Don't Keep Us a Secret"!
Service First MortgageBrad Lynch 469-450-2723 bl@fmillc.com
Michael Greiner 972-261-1055 mg@fmillc.com

In This Issue
Shattering Windows Myth
Stressed Out? Take These Steps
Quotes
Mortgage Consultant for Life Featured Article...From Recession to Recovery
Today's Rates
30yr fixed 4.875%
15yr fixed 4.375%
FHA 30yr 4.875%
VA 30yr 4.875%

Rates above do very depending on loan size, and purchase of "points".
Quotes

The best time to plant a tree was 20 years ago. The second best time is now.- Chinese Proverb My dad always used to say, "If you're falling off a cliff, you may as well try to fly. You have nothing to lose."- Captain John Sheridan Everyone driving slower than you is an idiot. Everyone driving faster than you is a maniac.- George Carlin
Mortgage Blog For Life
Mortgage Calculator
Brad'sTestimonials

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Quiz Question:
To be answered in next Newsletter edition:

The terms ruck, lineout, and maul pertain to what sport?
Previous quiz answer was:
Question: What is the team of Moses Horwitz,
Louis Feinberg, and Jerome Horwitz more popularly known as?Answer: The Three Stooges.Source: www.threestooges.com
From Recession to Recovery. What's in Stake?
As we move into a recovery from recession, we don't necessarily go from a constant increase from month to month of unemployment numbers to back to average. First we see a decline in the increase...and we have. Ted Jones, Chief Economist of Stewart Title North Texas, says that every recovery in our nations history from recession was sparked by an increase in the real estate market, and we recently saw that in reports.
The Federal Reserve Chairman, Ben Bernanke said that the Central Bank plans to keep rates low. Ben's focus to keep rates low will hopefullly minimize inflation and typical mortgage rate hikes that forecasts have suggested for the coming year...although some guru's of the money world still believe we will see rates at least in the 7% range by this time next year. You can't afford the same house today if you buy in a year at 7%....that's a huge monthly difference.