There is More Than One Reason To Refinance Your Home Refinancing and consolidating your debt. Refinancing can lower the total amount you pay out each month. You can even arrange to have extra cash. Here are some things you may want to think about:

• Consolidate your high-interest debt. Consolidate high-interest debt such as credit cards. Your overall monthly payments will be reduced and may even be tax deductible.
• Get extra cash. Refinancing can give you extra cash for the things you've always wanted to do. Like taking that long-deserved vacation, or paying for a college education. It's your choice.
• Home Improvement Loans. Fix the roof, purchase new kitchen cabinets, or remodel to increase the value of your home.
• Take a 30-day break from payments. Your first payment is usually not due for 30 days or more.

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Syosset, New York – Total Solutions Advisors Inc., a leading player in the business strategy and operational planning industry brings to customers very impressive marketing and management consulting solutions. The key player in the company Jim Clooney or James Clooney spearheads the entire operation with his vast experience and sharp business acumen. Jim Clooney has already helped numerous companies set their mark in the industry with his insightful services.

Jim Clooney who is a wizard in the investment industry capitalizes his vast experience in the sector to help some of the world’s largest financial companies. Jim Clooney has more than 30 years of experience in the field and has experience working with two of the Big Four international auditing firms. As the Principal of Total Solutions Advisors, Jim Clooney leads the company in the path of success. The company has been rated as the Best ROI in the Mortgage Marketing industry.

Jim Clooney strives hard in helping customers achieve top-notch business performance. Jim Clooney helps his clients by increasing the opportunities for his them, by providing powerful planning and development strategies. Clients that have used the expertise of Jim Clooney express total satisfaction based on the unmatched services offered by the expert.

Under the able leadership of Jim Clooney Total Solutions Advisors Inc., also offers business performance optimization services. The company helps the clients in four major areas namely, strategy, structure, people and process. Total Solutions Advisors Inc., uses the industry’s best practices and proven strategies to achieve the desired results for the customers.

Jim Clooney’s Total Solutions Advisors Inc., offers very dependable marketing strategies. The company specializes in offering customized marketing solutions. Jim Clooney and the team create customized solutions based on in-depth market and competitor analysis. The company evaluates the customers' business profile and designs the most favorable solutions that are not only impressive but also solutions that are achievable. Jim Clooney is known for his abilities to create down to earth solutions, which make the company stand out from the rest of the competition. Some of the key areas covered by Total Solutions Advisors Inc., in marketing include, branding, public relations, media buying, infomercials, PR placements, web development, Ecommerce solutions, search engine optimization, graphic design, direct response strategies using TV, Radio and Mail and more.

Total Solutions Advisors Inc., offers its clients the most comprehensive range of marketing solutions making it easy for businesses to enjoy great success. The company guided by the flawless leadership of Jim Clooney offers very dependable and friendly services.



About Total Solutions Advisors Inc.

Total Solutions Advisors Inc is one of the most experienced financial and mortgage companies that offers wide range of services including but not limited to strategic planning, strategic alignment reviews, competitive analysis and market planning, strategic market and growth analysis and more. The company plays a significant role in the financial and mortgage sector. For more information about the company and the complete list of services, please visit http://www.totalsai.com. 

Purchasing a home is one of the most important decisions for most people, yet not many take the time to learn all the rules of the process. Before getting a mortgage in Fresno, you should do your research and make sure you understand every aspect of it. Here are the five important mortgage facts to get you started.
1. The Fees Matter

You should keep in mind that the quoted mortgage rate is never the final sum you should budget for. On top of the interest rate, you will be charged various fees, such as origination and closing costs, as well as mortgage points. Only after all these are taken into consideration, you can get an idea of the actual amount you will be paying. When comparing lenders, it is best to look at the annual percentage rate, as it usually takes into account all of these costs.
2. The Rates Change Often

Similarly to stocks, bonds, and other investment types, mortgage rates fluctuate frequently depending on the state of the market. The rate can change within hours, which is why if you find something that works for you, it is better to lock that rate immediately.
3. Rates Vary Depending on Lenders

While the government regulates a lot of aspects of the mortgages, lenders are still free to offer different rates to buyers. Their fees vary greatly as well, including the credit check fee, appraisal, and title insurance. For this reason, it is always better to shop around and compare multiple lenders before making your final choice. Keep in mind that finding the lowest possible rate can mean a lot of savings over the years.
4. Refinancing Is Worth Looking Into

Even if you lost money on your home during the financial crisis, you can still refinance your mortgage and get a better rate on it. You can do so by taking advantage of one of several government based refinance programs that were created specifically for lenders like you.
5. Low Down Payments Are Available

While putting a 20% down payment on your home is a good idea, giving you equity in your house right away, not many people can afford it these days. Various federal programs are available though, using which buyers can put a down payment as low as 3.5% and still get their mortgage in Fresno approved.

Source: http://www.smh2012.org/five-mortgage-facts-you-should-know/

Syosset, New York – Total Solutions Advisors Inc., a leading player in the business strategy and operational planning industry brings to customers very impressive marketing and management consulting solutions. The key player in the company Jim Clooney or James Clooney spearheads the entire operation with his vast experience and sharp business acumen. James Clooney has already helped numerous companies set their mark in the industry with his insightful services.

James Clooney who is a wizard in the investment industry capitalizes his vast experience in the sector to help some of the world’s largest financial companies. Jim Clooney has more than 30 years of experience in the field and has experience working with two of the Big Four international auditing firms. As the Principal of Total Solutions Advisors, James Clooney leads the company in the path of success. The company has been rated as the Best ROI in the Mortgage Marketing industry.

James Clooney strives hard in helping customers achieve top-notch business performance. James Clooney helps his clients by increasing the opportunities for his them, by providing powerful planning and development strategies. Clients that have used the expertise of Jim Clooney express total satisfaction based on the unmatched services offered by the expert.

Under the able leadership of Jim Clooney Total Solutions Advisors Inc., also offers business performance optimization services. The company helps the clients in four major areas namely, strategy, structure, people and process. Total Solutions Advisors Inc., uses the industry’s best practices and proven strategies to achieve the desired results for the customers.

James Clooney’s Total Solutions Advisors Inc., offers very dependable marketing strategies. The company specializes in offering customized marketing solutions. Jim Clooney and the team create customized solutions based on in-depth market and competitor analysis. The company evaluates the customers' business profile and designs the most favorable solutions that are not only impressive but also solutions that are achievable. Jim Clooney is known for his abilities to create down to earth solutions, which make the company stand out from the rest of the competition. Some of the key areas covered by Total Solutions Advisors Inc., in marketing include, branding, public relations, media buying, infomercials, PR placements, web development, Ecommerce solutions, search engine optimization, graphic design, direct response strategies using TV, Radio and Mail and more.

Total Solutions Advisors Inc., offers its clients the most comprehensive range of marketing solutions making it easy for businesses to enjoy great success. The company guided by the flawless leadership of James Clooney offers very dependable and friendly services.



About Total Solutions Advisors Inc.

Total Solutions Advisors Inc is one of the most experienced financial and mortgage companies that offers wide range of services including but not limited to strategic planning, strategic alignment reviews, competitive analysis and market planning, strategic market and growth analysis and more. The company plays a significant role in the financial and mortgage sector. For more information about the company and the complete list of services, please visit http://www.totalsai.com. 

Home prices continue their upward ascent. According to the Federal Housing Finance Agency, the governmental body in charge of Fannie Mae and Freddie Mac, nationwide home prices increased by 0.7% in May compared to April and by 7.3% over the same month last year. As you can see in the chart below, it was the 16th consecutive month that home prices improved after a long spell in which they declined.

There are two primary catalysts behind this trend. First, mortgage rates, although recently on the uptick, remain exceptionally cheap from a historical perspective. Freddie Mac reported at the end of last week that the average rate on a 30-year fixed-rate mortgage is currently 4.37%. By comparison, as I noted here, the average rate for the same type of loan since 1971 is 8.61%.

And second, there's a widely acknowledged lack of supply in both the new and existing home markets. The National Association of Realtors said yesterday that the inventory of existing homes equates to a 5.2-month supply and remains 7.6% below a year ago. As its chief economist Lawrence Yun noted, "Inventory conditions will continue to broadly favor sellers and contribute to above-normal price growth."

Catalysts aside, there's no question that an increase in home prices will help the economy. CoreLogic recently estimated that 19.8% of homeowners are underwater on their mortgages. Zillow puts the figure at 25.4%.

"These homeowners owe more on their mortgage than what their house is currently worth, which means in order to sell it, they would have to come up with additional money at the time of closing to pay off their loan," Zillow's senior economist Svenja Gudell explained last month. "Since many homeowners are not in a position to do that, they cannot list their homes, greatly restricting the supply on the market."

In addition to this much-needed buoyancy, the increase in prices is also spurring homebuilders into action. At the end of June, Lennar Corp , the nation's third largest homebuilder, reported that orders for new homes in the second quarter climbed by 27% over the same time period last year. And similar trends have been observed at D.R. Horton and PulteGroup , both of which report earnings later this week -- for charts of these two companies' quarterly home sales, click here and here, respectively.

The net result is that the housing market continues to improve. 

source: fool.com

Over the last few years, home mortgage rates have drifted up and down between 3% and 4.5% for a thirty year fixed rate loan. That’s astonishingly low, especially considering savings accounts were giving out 6% returns in 2006. (I remember those days… 6% in a savings account. What I wouldn’t give for those days to return.)

Because of the low rates on home mortgages, many financial gurus now suggest that people hold off on paying back their mortgage. Rather than making extra payments, they suggest, you can get a better return by investing elsewhere.

On the surface, that’s a great argument. If you assume that Warren Buffett’s prediction of 7% annual returns over the long haul in the stock market is an accurate one, then it makes sense to put your money into stocks rather than to pay ahead on your mortgage, right?

Not necessarily, and here’s why.

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For starters, there isn’t an investment available right now that locks you in at better than 4% guaranteed. To get a return better than that, you’re going to be investing in stocks or real estate or something else that injects risk into the equation.

How does that risk show its ugly head? In a given year, your returns might be much lower than 4%. In fact, they might be negative.

If you buy stocks only to watch the market become a bear, you’re going to lose money in the short run. If you buy real estate only to watch the local market start to fall (for any number of reasons), you’re going to lose money in the short run.

“Well, that’s the short run,” you might say. “I’m investing for the long run.”

The problem with that philosophy is that unless you’re very wealthy, the ups and downs of your life are quite likely to cause you to tap those investments, often when you least expect it. You lose a job. Your business collapses due to an employee’s mistake. A spouse falls ill. You fall ill. You unexpectedly have a child. Many, many things can happen out of the blue that can force you to tap investments when you least expect, and you’re more likely to have to tap it during a down market (because others are feeling the pinch and try to spread the risk around).

If you put money into the mortgage, it’s going to give you a locked-in-stone annual return equal to your interest rate as long as you still hold that mortgage. If you make an extra $1,000 payment right now, you’re getting a 4% (or whatever your interest rate is) guaranteed return for the lifetime of that mortgage. That money actually appears at the end of the mortgage in the form of having it paid off earlier.

That’s a good conservative investment (assuming you already have the mortgage, of course). It’s better than you’ll get from a savings account or a treasury note right now and there’s very little risk in that extra investment.

Still, purely as an investment, I view paying off a low-interest mortgage early as simply a very conservative option.

The reason I still advocate for it is for another reason entirely: having your home loan paid off does wonders for your cash flow.

Regardless of what you’re doing with your money, when you have a mortgage, you have a large monthly bill that you have to pay. It’s $1,000 or $2,000 (or whatever) that you must come up with, every single month.

Now, as I mentioned above, life happens. You lose a job. Someone gets sick. The lower your monthly bills are, the easier it is to survive this type of situation.

Some might argue that it makes sense to invest your money instead of making extra payments on that mortgage. If you don’t have enough on hand to pay off your mortgage all at once, this makes reasonable sense, as it provides a very liquid emergency fund for you. However, you’re still left with two choices – investing in something with little risk that doesn’t return as much as an extra mortgage payment (like a savings account) or investing in something with substantial risk that should return more over time but may return much less in the short term (like stocks).

There’s also the human factor. If you have a lot of money sitting in the bank, it becomes much easier to talk yourself into spending it if it’s just sitting there. You can tell yourself it’s an emergency fund, but as the balance grows, so does the temptation.

Because of all of these factors, I still consider it a solid idea for most people to make extra payments on their mortgages, even when the interest rate on the mortage is low. This assumes, of course, that you have an emergency fund already in place (to handle most of life’s disasters), that you don’t have any other debts, and that you’re also contributing to your retirement savings at a total rate of at least 10% of your income. If you’re not taking care of those things, make them a priority.

Source: Christian Science Monitor

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Could rising mortgage rates derail the housing market’s slow healing? Economists in the latest Wall Street Journal survey are divided on the question. Among those surveyed, 40% said the rise “won’t have a noticeable effect,” 35.6% warned “it will slow sales” and 24.4% said “it will slow home-price gains.”

There’s no doubting the housing market’s contribution to the overall recovery. Federal Reserve Chairman Ben Bernanke, in starting two days of congressional testimony, on Wednesday told lawmakers that  “housing has contributed significantly to recent gains in economic activity. Home sales, house prices, and residential construction have moved up over the past year, supported by low mortgage rates and improved confidence in both the housing market and the economy.” The Fed chief seemed to place himself within the no “noticeable effect,” camp, but added, “Housing activity and prices seem likely to continue to recover, notwithstanding the recent increases in mortgage rates, but it will be important to monitor developments in this sector carefully.”

In the Fed’s periodic report on regional economic conditions, issued Wednesday, the central bank sounded a relatively upbeat note, saying “Residential real estate activity increased at a moderate to strong pace in most Districts.” The beige book continued, “Most Districts reported increases in home sales.”

Interest rates on 30-year fixed-rate mortgages have jumped in the recent months, climbing in the most recent week to 4.37%, up more than a percentage point from the 3.35% level of early May. However, even with the climb, rates are lower than they have been in decades.

That historical perspective is important, said Stephen Stanley, of Pierpont Securities, who noted “rates were so incredibly low before they can rise significantly and still be incredibly attractive by historical standards.”

Mr. Stanley said the housing market’s healing is likely to continue because—despite the rise in rates—the fact that home prices are going up…is an overwhelming incentive for people.”

John Lonski, ofMoody's MCO -0.81% Analytics, sees rising rates affecting sales, and points to mortgage applications for home purchases to support his point. During the four-week period ended July 12, those applications were down 5% from their 2013 high, during the four weeks ended May 3, Mr. Lonski said. “This tends to suggest that higher mortgage yields will at least slow the housing recovery.”

He added, “It doesn’t mean that home sales are about to collapse or contract. But they will be slowed by costlier mortgages.”

Source: Wall Street Journal