Tuesday, February 12, 2019

Working With Optimum First Mortgage

I am working with Optimum First Mortgage again, bitter sweet. :) You should be getting an email from me at OfficerHansen@gmail.com to keep you updated. It is official, not spam.

Best regards,

Michael Hansen

It Could Be Time To Drop Your Rate For FREE

Rates are coming back down, if you obtained financing about six months ago or so, you could be eligible for a free no cost rate reduction. Contact me and I can check for you quickly and easily without running your credit.


Wednesday, January 16, 2019

Free Credit Score - No Gimmicks

The best website to check your credit score for free, no cost, no hassle, and it does not ding your credit rating.

https://www.qlcredit.com I highly recommend it, it's So EZ and it's the only truly free way to see your score, that I know of.

https://www.qlcredit.com is a Quicken Loans Website.

Current & Historical Rates Since The Beginning

Live rates can be found at SoEZ.tv


For information about getting licensed in AZ, visit AZRI.SoEZ.tv

Monday, December 31, 2018

Wednesday, December 5, 2018

Company Contact Information Update, Please Update Our Info In Your Contacts

Dear So EZ Clients,

Due to the increase in mortgage rates and decrease in mortgage applications, we are cutting down overhead.

I used to recommend that you call my business line and not my cell phone, that is no longer the case.

Please delete all numbers you have form me in your phone and replace it with: 619-990-2687. That has been my personal cell phone since 2005 and I will never change it.

My email is not expected to change, however if you would like to add my personal email to your contact, that could be beneficial in case we change our company name or website address.

This is what your contact info should look like for me:

Name: Michael Hansen Mortgage Guy

Cell: 619-990-2687

Email Personal: OfficerHansen@Gmail.com

New Work Number: 949-667-4209

Email Work: 123@SoEZ.tv





Tuesday, October 30, 2018

Say Good Bye HARP and Hello RRP, The Feds Are Preparing For A Possible Drop In Home Values

Fannie and Freddie’s HARP program is going away December 31st 2018, however there’s good news. Fannie and Freddie are rolling out a replacement for the program, starting November 1st called the Relief Refinance Program.
Image result for new products


Fannie and Freddie’s HARP program is going away December 31st 2018, however there’s good news. Fannie and Freddie are rolling out a replacement for the program, starting November 1st called the Relief Refinance Program.
So It’s very important you understand these five minimum requirements when looking at this product:

1. It needs to be a Fannie to Fannie or Freddie to Freddie refinance
2. The previous loan cannot be a previous HARP refinance
3. The loan had to of closed on or AFTER OCT 1 2017
4. The loan must have 15 months seasoning before we close the loan
5. There has to a borrower benefit, meaning we can go from an ARM to a FIXED, or lowering the rate, or shortening the term

There are some other details and qualifying aspects to this, call me at 855-955-SOEZ option 1 to find out more.

There are many advantages to this program
1. No LTV cap for fixed products, you can go over 200% loan to value
2. 105% LTV cap for ARM products
3. PMI transfer, so if you’re not paying PMI now, you wont be paying MI inf the future
4. Minimal document requirements, the list goes on

We understand come Nov 1, we are not going to see a lot of applications for this loan. This is more preparing for if god forbid, values decrease in the future.

Be a pro, remember this product, call me if you have questions, and if you or your friends could ever use it, our address is so easy to remember it’s www.SoEZ.tv

Working With Optimum First Mortgage

I am working with Optimum First Mortgage again, bitter sweet. :) You should be getting an email from me at OfficerHansen@gmail.com to keep ...