As a mortgage loan officer, I help contractors with construction loans, and help turn those loans into permanent financing. I am amazed at how many of them have no construction accounting software.

I used to be a computer programmer, and I have seen a lot of so-called construction software. Usually it is a generic program that was kluged into a construction program.

I am available to help you get:

• Stated Income Loans (fico at least 720)
• A loan pre-authorization letter to give to a seller when making an offer,
• Lowest house payments.
• Refinance your home to get lower payments and/or cash to pay off your bills.
• I can work with you or any Realtor.

Call me anytime -- Larry Maddocks 801-759-1604

Equal Housing Lender

Beautiful new Traverse Mountain Cardinal model of J. Ballard homes.

For Sale by owner.

Includes current wonderful renters who have signed a year's lease.

Granite counters throughout! Stainless steel appliances, gourmet kitchen, 18" x 18" tile floors, maple cabinets. Grand master with jetted tub and separate shower. Everything an entertainer could want! Close to neighborhood park. Neighborhood has beautiful views.

5 minutes to I15 freeway.

Prices in this new neighborhood are increasing because of location and the new shopping facilities near Cabella's. This property was appraised at $400,000 in March 2007.

more images: http://greatmemories.info/homes/769100/
Call 801-759-1604 for questions.

Equal Opportunity Housing.
Questions? Call my cell any time: Larry 801-759-1604

The Federal Reserve Board lowered interest rates in part to allow homeowners to refinance their homes, lower their mortgage payments and stimulate the economy. A mortgage broker is able to shop several lenders and get bids on the best interest rates. Here is a mortgage rate search form that will allow you to get the best bid on refinancing your home.

I found this helpful information at this site: http://www.ehow.com/how_2155868_inspect-kitchen-before-buying-home.html

Here's why it is sometimes better to get a adjustable-rate Mortgage (ARM):

• You are only going to stay in the home for a short term. Why pay someone a higher interest rate on a 30-year fixed rate mortgage when you will only be there for a short term?
• You know you will be refinancing in a short amount of time, such as to pull out money for equity. Be careful of this, as you credit may go south, leaving you stuck with rates that may go up.
• You are an investor, you need the cash flow, and you believe rents will increase as rates do. Usually an investor refinances every few years to pull his cash out. If you are going to do that, you don't need an expensive fixed mortgage.

Here's why it is sometimes better to get a fixed rate loan:

• Believe it or not, sometimes there is a "sale" on fixed rate loans, and the rates are actually cheaper than adjustable loans. You should shop. Have your broker compare. I would always buy from a broker. They are not stuck with one bank. They can also charge less if they want to. A lot of times I find that Washington Mumutal (WAMU) has sales on fixed rate loans. Or sometimes their 10 year fixed is cheaper than their 5-year fixed. (10 year fixed means that after ten years the rate goes adjustable.)
• If you know you will be staying in the home for longer period of time.
• Peace of mind.

If you get an ARM, spend the time to get bids. Find out what the yearly and lifetime interest caps are. Find out what the index is (i.e., LIBOR), and what your margin is.

Written by Larry Maddocks, mortgage lender for Envision Lending Group, licensed in most states, and based in Salt Lake City, Utah

Well, I tried the free house listing service on Google http://base.google.com/base/help/realestate.html and it looks pretty slick. I did a search for homes on the web search, and a home on their listing did show up, but not their handy search site that seems hard to come across: http://www.google.com/base/s2?a_n0=housing&a_y0=9&hl=en&gl=US

But realistically, it does no good for Google to show the special housing search site until the database is populated with a whole lot more listings.

I remember how I felt before I bought my first home. What if it falls apart? Where will I get the money to fix it? How much more will I have to pay than I am paying now?

Soon after I laughed at myself for being so paranoid. The house didn't fall apart. Life went on the same as it did, except that I found that my house payment stayed the same. After a year my house payment was much lower than it would have been if I had been renting. Now the house is paid off and I have zero payments. It's magic!

Here are some statistics that prove that it is better to buy than rent: