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Wednesday, March 24, 2010

Redirect To My New Blog Website

Posted by Brad Lynch 1 comments
Thanks for checking out my site! I have moved all of my Blog posts to my new website. This site will let me be a better education post to my clients and other mortgage and Real Estate seekers.
Please go to my new site by either clicking HERE or copy and pasting this into your browswer. http://www.yourmortgageguyforlife.com

Thanks for staying in touch!
at 7:15 AM
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Tuesday, March 02, 2010

It's Official...FHA Up Front Mortgage Insurance Increased

Posted by Brad Lynch 7 comments
In a HUD Mortgage Letter I received today, David H. Stevens, Assistant Secretary for Housing-Federal Housing Commissioner issued the change for FHA Up Front Mortgage Insurance. So, effective for FHA loans for which the case number is assigned on or after April 5, 2010, FHA will collect an upfront mortgage insurance premium of 2.25 percent. Previously it was 1.75%. This policy change will increase premiums for purchase money and refinance transactions, including FHA-to-FHA credit-qualifying and non-credit qualifying streamlined refinance transactions.

The only FHA programs that are exempt from this change are as follows:

- Title I
- Home Equity Conversion Mortgages (HECMs)
- Hope for Homeowners (H4H)
- Section 247 (Hawaiian Homelands)
- Section 248 (Indian Reservations),
- Section 223(e) (declining neighborhoods)
- Section 238(c) (Military Impact areas in Georgia and New York)


Just when you think the rule changing is part of the past, it finds it's way back to the present.
at 3:11 PM
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Testimonials & About Me

My photo
Frisco, Texas, United States
In 2002, Brad Lynch began energetically consulting families in finding the right mortgage plan for their needs. In the beginning years, he was trained by a mentor who led by example, and this example was the epitome of integrity. Brad learned in the beginning by his mentor that many prospects may not consciously see what good intentions he has for them, do to the “wrap” many have caused w/in this industry, but always do what is right for the customer and in the end it will payoff. Integrity coupled with an energetic nature to nurture relationships, Brad has created clients for life. Through these clients for life, referrals have become the lifeblood of his business.