Real Estate Today: Total Mortgage Consultants (Part 1 of 3) – Koolik Group Realty Video
http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join Neil Stein, Senior total mortgage consultant, of WCS Lending in discussing the ins and outs of the mortgage industry. Neil will answer your mortgage loan questions and discuss how a total mortgage consultant can go beyond the role of a mortgage loan officer in getting you the best loan for your needs. Neil has been in the mortgage industry for 14 years, working as a mortgage loan officer and financial consultant in New York. His total mortgage consultancy includes an analysis of the length of finance in getting the best rates. Years ago, the short term benefits and lower rates of ARMs may have been beneficial. Now, the short term rates have gone up and a 30-year fixed mortgage may be the way to go. The consultation process is not just a loan offer. Total mortgage consultants will explore your options based on the expected length of tenancy and any hidden fees at closing. It is the total mortgage consultant’s job to shop the best rates, inform you of your options, and help you to decide which loan you are comfortable with. Neil Stein is a Senior mortgage loan officer and expert financial consultant who will get you the right loan for your needs.
Duration : 0:9:14
http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join Neil Stein, Senior mortgage consultant, of WCS Lending in discussing ways to avoid foreclosure. Neil offers advice to people who are trying to sell their house or refinance to avoid foreclosure. With the current inverse yield curve in the bond market, it is not advantageous to take out an ARM. The short term loan rates are rising and ARM payments will go up. Long term loan rates are not rising as fast as adjustable rates and may be the best option, depending on how long you intend to live in the property. Financial advisors can help you to get the best rate and will educate you about your options until you are confident you are getting the best price. Although it may seem like somebody else has a lower rate, it may end up costing more in the long-run if the mortgage rates rise or if there are hidden fees at closing. Refinancing and selling your house are great ways to avoid foreclosure, but ensuring that you get the right mortgage loan the first time is the best way to avoid the threat of foreclosure altogether.
http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join members of Woodfield Country Club in listing the amenities offered at Florida Country Clubs. Golf is the most popular amenity offered at country clubs, but tennis, fitness centers, pools, fine dining and sports for children are also common. Stacey Klaiman, 8 year member of Woodfield Country Club attributes her dedication to the club to the fitness center. Everyone at the center knows each other and it is a comfortable environment. Valet parking and spa services, including massages, make it feel as if you are on vacation every day and working from home couldn’t be easier. Everywhere you go in the club you see familiar faces and children playing together on the street. Jim Tisdale is a regular on the golf course at Woodfield Country Club. The course features a pro shop where you can get pointers or lessons and plenty of practice on the course. Of course, you don’t have to be a pro to play, plenty of people play just for the social environment. Fern Duberman is a part of the ladies tennis team at Woodfield. The tennis director organizes programs for juniors, seniors, mixed doubles and couples. The teams play against other clubs in the area as well as public parks.
http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join Neil Stein, Senior mortgage consultant, of WCS Lending in discussing how to get the best mortgage interest rates in Florida. Market conditions and transitions can affect which are the lowest mortgage rates avaliable. A mortgage consultant is familiar with these conditions and changes in the market and will give you finance options for you to choose from. If you just walk into a bank, you are responsible for all paperwork and loan materials and will be offered little help or loan modification options. If you currently have a loan from a bank and you have locked your rate, the bank will not allow you to modify your loan in the event that the rate drops. Hiring a mortgage consultant will ensure that you get the lowest mortgage rates avaliable, even if you have locked your rate with a bank. The mortgage consultant will ship the loans for you and fill out any paperwork. The mortgage consultant will also estimate any fees outside of closing, including the good faith estimate and per diem interest due at closing. Mortgage consultants can also lower the interest rate of a loan with “points,” used to buy down mortgage rates. The best mortgage consultants in Florida will also help the borrower get Homeowner’s insurance at a reasonable deductable. Florida requires 12 months of homeowners insurance in advance before the lender will close on the loan. Mortgage consultants will guide you through the process of getting a loan and will get you the best mortgage interest rate that is right for your needs.
http://www.koolik.com In this episode of Real Estate Today with Elliot Koolik of Koolik Group Realty, we will join members of Woodfield Country Club in Boca Raton, FL in discussing why to look for luxury country club homes for sale. Florida offers many residential options, from beach-front homes, single family homes, condos, townhomes, gated and non-gated communities and country clubs; but why should you choose the luxury country club lifestyle when looking for homes for sale? The comprehensive activities and amenities offered at Woodfield Country Club and other Boca Raton country clubs provide a close-knit family oriented community, perfect for children, parents and retired persons. Children will always find other children to play with at the playground, pool or park and parents can rest assured that their children are safe within the gated community. Adults will also take advantage of the pool and fitness center, as well as the tennis courts and golf course. There are also community dinners, buffets and other entertainment for all to enjoy. Each member benefits from the equity club and has a vested interest in the preservation of the club. The Board of Directors do their best to please the members of the club and make a positive contribution to their community.