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!!!

Hartwell Lake Level Continues to RISE!!!!!

As of Today April 20,2009 Lake Hartwell's water level has risen to only 5.32 feet below full pool. That just amazes me because the level had dropped to historic lows of 23 feet below full pool in December 2008. I've lived on lake Hartwell since 1996 and have always had the faith that the lake levels would always come back....and they have.
People will just have to find a new topic of conversation now that Lake Hartwell's almost back to normal I guess......I'm just ecstatic that Spring's here, dogwoods & azaleas are in bloom and swimming weather is almost back again!

April Showers for sure!!!!!

Hey Everyone! I am so excited to tell you that Lake Hartwell's water level today is: 653.96! Yay!!! We are now only 6.04 feet below full pool! The lake looks absolutely beautiful and right now is a great time to get out on the lake and see all of the dogwoods, azaleas & Mountain Laurel blooming around Lake Hartwell's banks. Also, a word to the not so wise......anytime anyone hears something about Lake Hartwell that they may think is NOT true, please tell the "Story Teller" to call the US Army Corps of Engineers to verify this info. Many people LOVE to spread Bad Rumors around about Lake Hartwell and it really gets me going. Enjoy this early part of the Lake Hartwell Boating Season...I plan to :-)

Jumbo Loan...Now's the time to Refinance

This past week, Bank of America Chairman and CEO Ken Lewis and Mortgage, Home Equity and Insurance Services Executive Barbara Desoer participated in several media interviews presenting messages about the strength of our mortgage franchise and our determination to profitably and responsibly grow our business. I am pleased to share an example of these communications efforts.

On March 13, Bloomberg News ran an article headlined, “Bank of America’s Desoer Says ‘Thank Goodness’ for Countrywide.” Barbara was quoted as follows:

“Volume is good, application quality is holding up and the acquisition of Countrywide is really paying off for us with the additional capacity. Thank goodness we have it.”

Other highlights in the article included:
Extremely competitive jumbo mortgage rates and our desire to increase jumbo loan volume
Our commitment to improve the customer experience
Opportunities for loan production with Merrill Lynch affluent customers

The full Bloomberg News article is available at the following link: http://www.bloomberg.com/apps/news?pid=newsarchive&sid=aDe2IcgvIIQI

Ø Please take time to review this article. It offers a powerful message about Bank of America’s strength, stability and commitment to the mortgage marketplace.


Bank of America: Proprietary

Rates are lowest ever....even Jumbo Loans!

Now is the BIG window of opportunity to buy a watefront property! Don't miss out....the deals are incredible! Start Making Memories today!