Mortgages and Home Loans Quad Cities and USA
Wednesday, January 20th, 2010*****************
FINANCING AVAILABLE FOR THIS QUAD CITIES HOME!
(AND ALL OVER THE USA)
Exclusive Home Harmony Hills Davenport IA
Learn How Loan Home Inc. Works: www.loanhomeinc.com
Loan Home was founded by people with a desire to correct an injustice that has taken place in the mortgage industry over the past 30 years.
Common consumer problems that we noticed:
- Mortgages were refinanced every 2.7 years!
- Many consumers were tempted by low adjustable rates into accepting more complicated loans with payments that soared in later years.
- Consumers are still struggling to make payments that get higher and higher.
- Lenders and brokers recorded record profits during the boom!
Loan Home’s revolutionary approach is making waves in the industry by giving back some of the profits to the consumer when they obtain a loan through our system.
Click Here
ABOUT HOME LOAN, INC. FOUNDERS
JAMES JOHNSON
James has a BA in Justice Administration with a major in criminal law from Western Illinois. After graduating, James went on to start his career in the financial services industry. Working as an investigator for a commercial insurance firm, James developed a formidable reputation for his understanding of the complex procedures that govern the industry.
Looking for a fresh challenge, James made a career move to industrial sales management where he had overall marketing, sales, business development and fiscal responsibility for a five state area. There, he managed to win a number of key accounts among Fortune 500 clients while spearheading exponential growth among small and medium sized organizations as well.
He then went on to build a team of licensed financial professionals where he received over 100 awards for his results, and for the meaningful relationships he managed to foster with local communities and key stakeholders.
With extensive experience in sales, marketing and business development, James forms an integral part of the Loan Home Inc team.
MIKE KARCZEWSKI
The son of a police chief, Mike grew up on the South Side of Chicago. He graduated from the US Naval Academy in Annapolis and served in the US Navy as an aviator. Directly after his stay in the Navy, he transitioned into another service organization – the Chicago Police Department. Although he loved the adrenaline-pumping action he had become accustomed to, he was eager to find out what he could bring to the financial services industry.
In this new career, in a few short years Mike built one of the fastest growing and largest organizations in the Midwest, and was promoted to senior vice president in 2002 gaining industry recognition as an accomplished strategist. He attributes his business success to his recruiting, training, leadership and team development skills shaped by the military, his father and the police department.
He is well known in the organization as a “People Mover” and his discipline helps to keep the entire team on our toes and focused on our targets.
Mike’s recruiting, development and leadership abilities are truly able to blossom in the Loan Home Inc environment.
EDUCATION
History of Mortgages
In the early days of homeownership, mortgages didn’t exist. To purchase a house, you had to pay cash in full. After the Depression, Franklin D. Roosevelt tried to stimulate the economy by creating a new agency to boost home ownership called the Federal Housing Administration, or FHA. For the first time Americans were allowed to finance part of their homes with “only” 80% down. Americans were able to finance the 20% on either 5 or 7 year terms!
Over time, the down payment requirement decreased and the 15 year term was introduced. Finally, the 30 year term was introduced to allow almost all Americans the opportunity of home ownership. Consumers focused on the lower monthly payment and free cash flow the longer terms created, never looking at how the loan really works. Lenders collected billions in extra profit as a result, never daring to remind consumers of the benefits of the shorter terms, as that would severely cut into their profits.
Making the most of your Mortgage
Fast forwarding to today, unethical brokers continue to gouge consumers while leading them into loan programs that are designed to keep the consumers in debt forever, benefitting primarily the banks and brokers. Mortgage terms continue to increase, with recent introduction of 40 year and even 50 year mortgage terms.
Next time you refinance your mortgage, consider reducing the number of years in the term (i.e. instead of a 30 year mortgage opt for a 20 or 15 year term). In a traditional 30 year mortgage, very little principal is paid in the first years. In fact for a traditional 30 year loan amortization, it’s not until the 22nd year of the mortgage that half of the original principal is paid! By opting for the shorter term mortgage, you will be saving not just years but thousands of dollars of interest as well.
Bi-Weekly Mortgages
By simply making bi-weekly payments on your mortgage, you can build equity faster, save thousands of dollars in interest and cut years off your mortgage. Click Here for our bi-weekly mortgage calculator to see how much you can save.
Blemished Credit? Not a problem!
Does your credit leave something to be desired? Increasing your credit score can help you qualify for the mortgage program you want and deserve. Contact our credit correction partner at creditcorrectioninfo@loanhomeinc.com to confidentially discuss your unique situation.
Organizations: Click Here — www.loanhomeinc.com
Consumers: Click Here —- www.loanhomeinc.com
Harmony Land Development, LLC
Davenport, IA 52806 (563-323-2128) or (563-391-4993)
kwhaugen@aol.com
Builders
