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Archive for April, 2007

Ohio Mortgage Loans and Financing

Saturday, April 14th, 2007

When Should You Refinance Your Mortgage? There are two primary reasons to refinance a mortgage: to get a more desirable rate and terms or to extract cash from the home’s equity. Both of these reasons can of course also be fulfilled!

Rate-and-term refinancing

Rate-and-term refinancing pays off one loan with the proceeds from the new loan, using the same property as collateral. This type of loan allows you to take advantage of lower interest rates or shorten the term of your mortgage to build equity faster. Rate-and-term refinancing refers to a myriad of strategies, including switching from an ARM to a fixed or vice versa. For example, if you have an ARM that is set to adjust upward in a few months, you can refinance into a fixed-rate mortgage. Or if you have a fixed-rate loan and you know you will move in two or three years, you could refinance into a lower-rate 3/1 hybrid ARM.

Cash-out refinancing

Cash-out refinancing leaves you with additional cash above the amount needed to pay off your existing mortgage, closing costs, points and any mortgage liens. You may use the additional cash for any purpose.
For example, say you bought your house for $150,000 a few years ago and borrowed $120,000. Now the house has an appraised value of $250,000 and you owe $110,000. With a cash-out refinance, you could get a mortgage for $150,000. You would pay off the $110,000 you owe and pocket the $40,000 difference, minus closing costs.
Ohio Mortgage Bankers Association

To learn more about Ohio Mortgage options you can check with the Ohio Mortgage Bankers Association, founded in 1961. OMBA is a statewide organization devoted exclusively to the field of residential and commercial real estate finance. OMBA’s membership comprises mortgage originators and servicers, as well as investors, and a wide variety of mortgage industry-related firms. Mortgage banking firms engage directly in originating, selling, and servicing real estate investment portfolios.

Members of OMBA include mortgage bankers, mortgage brokers, banks, mortgage insurance companies, attorneys, credit unions, saving & loans associations etcetera.

OMBA is dedicated to the maintenance of a strong housing, residential and commercial, real estate finance system. This involves support for a strong economy; a public-private partnership for the production and maintenance of single and multi family home ownership opportunities; a strong secondary mortgage credit delivery system; equitable tax laws; suitable shelter for low income families and the disadvantaged; housing opportunities for the nation’s veterans; appropriate environmental measures; and fair and equitable bankruptcy laws.

OMBA consists of 145 member companies which represent approximately 80% of the mortgage lending business in the State of Ohio.

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Pasco Washington Real Estate

Saturday, April 14th, 2007

Pasco, Washington real estate is being snapped up like it’s going out of style. It is a quickly growing city based around its two largest industries: wine and tourism. Therefore the land there is prime real estate for opening up new businesses. The economy is in better shape than ever, and a new business is almost guaranteed to succeed. So if you want to find a piece of Pasco Washington real estate to set up shop, you should follow some of these guidelines. They will help you find a place to get your business up and running, and start the profit inflow any time.

Naturally if you plan to set up your business in a popular area of town, you should consult as many resources as possible. Find a Pasco, WA real estate agent and go over your business plan. These agents are usually experienced with helping entrepreneurs get the ideal piece of land for their business, so they will be able to find you exactly what you need. Just keep the surroundings in mind. Look at the competition and decide whether a new business can compete or not. Look at what the main demographic is, and ask yourself how you plan to appeal to them.

As soon as you buy your piece of Pasco, Washington real estate, you should take out an insurance policy. Since you are most likely dealing with a large business loan, you should take every precaution possible to make sure that the money does not go to waste. As long as you have an insurance policy on the Pasco, WA real estate, you won’t have to worry about fires, floods, or structural problems that the building might have. This may also be a policy of the lender that has provided you with the business loan, in order to protect them from loss.

After the deal has gone through and you are the official owner of your Pasco, Washington real estate, you can begin to move your business in. You should have already purchased whatever it is you will need – desks, shelving, racks, chairs, or any other decorations to make the place seem friendlier. If you have a truck full of things ready to move in, you can hire a moving service for the day for a minimal cost. They can help you get everything unloaded and set up, and be completely moved in to your Pasco, WA real estate within a few hours of acquiring it.

When you open up for your first day of business on your Pasco, Washington real estate, you should use some sort of promotion to attract business. Many new businesses use a “grand opening” event to get people interested in what goes on at the business. This could involve a barbecue with free food, or any other gimmick to attract people in your general area. Offer some sort of discount on products to people who are coming in for the first time. Bring some sort of attraction to your lot, like a hot air balloon ride or a petting zoo. Get creative, and you’re sure to get people interested.

If you are ready to set up a business in Pasco, Washington, real estate will not be a problem to find and purchase. Find the loan you need for the property, and get in touch with a professional real estate agent with a history of commercial deals. With their help, you can find a great location and start to move in to your new property. Once you get your business set up, the thriving economy of Pasco is sure to drive many customers to your business.

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