Happy Weekend!

Hello All! The weekend is here and it's time to RELAX! I will be going for a boat ride on Lake Hartwell & definitely for a swim! The lake level is a perfect 3.5 feet below full pool....Perfect for bridge clearance for our boats. Make sure you keep up with the Captain's Blog: http://LakeHartwellBoatTours.blogspot.com & also visit The Captain's Website: http://LakeHartwellBoatTours.com NOW is the perfect time to BUY Lakefront property on Lake Hartwell, Keowee and/or Secession. There are a lot of Lake Homes to choose from in all prices ranges & prices have come down. Visit: http://Hartwell-Keowee.com for all of your Lakefront real estate needs as well as lots of area information!

Lake Hartwell Boat Tours

Hello Everyone! I just wanted to make sure everyone knew that the domain name was changed yesterday for the Lake Hartwell Boat Tour Business. It is now: http://LakeHartwellBoatTours.com
The Captain's Blog associated with this site is: http://LakeHartwellBoatTours.blogspot.com
Captain Gary had a great tour yesterday with a family from Clemson. "Bird Island" on the Seneca River was a huge hit! Have a great day & remember to visit Captain Gary on the web or give him a call Toll Free: 866.303.8181 to set up your Lake Hartwell Boat Tour!

New Blog: Captain's Blog

Hi Everyone! Check out this great new BLOG! http://lakehartwellboattours.blogspot.com/

Current Rates as of 7/8/2009. Yes....Banks are still lending money!

105.00%: Refinance with NO PMI. Rate/Term on the first mortgage only-Must be Fannie Mae or Freddie Mac currently invested loan-Clients who are not currently paying PMI-No Seasoning- Conforming Loans, and Super Conforming MSAs-2nd mortgage to be subordinated-0x30 late payment in last 12 months. No minimum credit score if payment isn’t increasing over 20%. Debt to income is unlimited if payment isn’t increasing over 20%. This program is designed for almost all current house payments to be decreased. Restrictions apply, so please call 1.800.987.9605 for assistance.

100.00%: VA Loan, no PMI. Max loan amount $417,000.00.
Purchase and Refinance VA to VA loans. Seller may pay up to 4% of
closing costs.

97.75%: FHA Refinance: Rate/Term

96.50%: FHA Purchase Loans, see notes below. Max loan amts.
per county. Seller may pay up to 6% closing costs.

95%: 30yr, 20, and 15 year fixed rate notes.

90%: VA cash out refinance.

85%: Equity Lines on a primary residence…FHA Cash out.

80%: Investment loans.

We now offer financing for up to 4 homes with loan amounts not to exceed $3,000,000.00 per home. These are only a few tips that may help in this tough real estate market that we are seeing.
Raymond Duncan: Cell 1.800.987.9605 or raymond.duncan@bankofamerica.com

Product and programs are subject to change without notice… Equal housing lender…

New Service: BOAT TOURS!

I am very pleased to announce that my husband, USCG Master Captain Gary Smith, has started his new business offering instructional and/ or scenic BOAT TOURS on Lake Hartwell. The instructional Tour will include things like: Hands on boating, learning how to read the lake map & understanding buoys, etc, Docking and so on. The scenic tour will include tours of: Tugaloo River (T-60 Grill, Harbor Light Marina, broken Bridges, Jolin's Fish House (if open) & other attractions; Seneca River (Isaqueena Dam, Clemson University, Keowee River Flats, Bird Island Blue Heron Rookery & so on). You may want to sign up for all of the different tours so you can experience ALL Lake Hartwell has to offer!

Mortgage Rates for Today!

Jeff Ingram

Mid-Atlantic Mortgage
Phone: (678) 680-4222
Fax: (770) 921-9959
jeff@JeffsMortgages.com









Choosing a Fixed Rate Loan

Fixed rate loans generally come with one of two options; the 30-Year Fixed and the 15-Year Fixed. If a borrower is planning on being in the same home for a long period of time, a 30-Year Fixed may be more attractive because it offers stability. The monthly payment will remain consistent over the life of the loan. If interest rates are at historic lows at the time the borrower is seeking to obtain financing, this is a good program to consider.

A 15-Year Fixed loan program offers the same stability, but the accelerated amortization schedule makes the monthly payment substantially higher. While the interest rate may be lower on this type of loan, the borrower must be willing to commit to a higher monthly payment. If the borrower wishes to retire in 15 years and be debt-free at that time, this loan program may be more suitable to the borrower's long-term needs.

It is also possible to make pre-payments on a 30-Year loan and reduce the life of the loan, as well as the overall interest payment, without committing to the higher monthly payment of a 15-Year program. As long as there is no pre-payment penalty associated with the 30-Year mortgage, pre-payment offers the borrower the latitude to make additional payments when it is affordable. If cash flow becomes difficult, this arrangement will not put the borrower in a compromising position.

Mortgage Interest Rates*

Rates as of Wednesday, 6th May, 2009:


Conforming
APR
Payment per
$1,000
Jumbo
APR
Payment per
$1,000

FHA
4.625%
5.10%
$5.14
%
0.000%
$0.00

USDA
5.625%
5.875%
$5.76
%
0.000%
$0.00

VA
5.5%
5.79%
$5.68
%
0.000%
$0.00

Conventional
4.75%
5.18%
$5.22
%
%
$0.00





*Rates are subject to change due to market fluctuations and borrower's eligibility.

Beautiful 80 degree Weather's Here on Lake Hartwell!

LOOK!!!!!! I have TWO Terrific New Listings on Lake Hartwell: http://www.postlets.com/res/2080661 & http://www.postlets.com/res/2106198
Call Toll Free Today (877.314.1058) for your showing of this terrific Lake Hartwell Home or to see any available Lake Property. REMEMBER.....EXPERIENCE COUNTS! DON'T SETTLE FOR 2ND BEST! We'll show you property by boat when you narrow your search to 2-3 properties!
HAVE A WONDERFUL WEEKEND!!!