June 2010

Rates Drop Again….

REMINDER:  CharterBank is offering $1,000 dollars off on closing costs for all Purchases

 

 

 

 

 

         

 

 

15 Year Fixed –   3.990 %APR  * purchases

30 Year Fixed – 4.25%  APR*purchases

5/1 Conforming ARM – 3.50%* purchases

 

FHA/VA – 4.25% APR*purchases

FHA 5/1 ARM – 3.75%*purchases

FHA $100 HUD REPO Homes   4.25 % APR*purchases

Peanut Butter and Honey

I am becoming resigned to the fact that (even though I have said it previously joking), it is the fact of my life now that when I leave my house I WILL have peanut butter somewhere on me! As I sit down at my desk this morning with my crisp white pressed pants with a smear of peanut butter on one leg and a croc print on the other, I have to laugh. Even though we should probably buy stock in the makers of Shout Stain Remover Spray, the croc print and PB smear are a good reminder of the angel who watches WSFA News with me in the morning and who will be waiting on me this afternoon to pick him up to water our garden!

 

A friend and I had a conversation about how the bumps in life (in addition to the peanut butter smears) are good, because God is using them to teach us something. Those disciplines are difficult at the time, but if everything were perfect, how boring would our lives be and we wouldn’t need Jesus to save us if we were perfect either! Thank you God for this day and for the peanut butter smears of life!

Neighborhood Yard Sale at Camden Ridge, Auburn, AL

This weekend on Saturday, June 19^th is the Neighborhood Yard Sale in Camden Ridge! The hours are 6:00 a.m. to noon, and over 20 families are participating!

Dave Ramsey

I have always enjoyed listening to motivational tapes such as Tony Robbins, Floyd Wickman, Tom Ferry and Zig Ziglar in the past. I have benefited a lot from those guys. Most of the lessons learned were geared towards the real estate market and becoming a better agent. I think we all need motivation and can all learn from people like those guys.

Last month my partner, Annie Williams, let me borrow her Dave Ramsey CD set “Financial Peace University”. I have listened to the Dave Ramsey show on the way home from work and have loved it, so I knew who he was and what the CD set was about. I have known Annie for a long time and she has probably said “Dave Ramsey says……” at least 20 times. I guess she figured I needed to hear Dave Ramsey too. I am now a believer. The 16 disc set is AMAZING! This is the kind of thing everyone needs to hear. If they taught this stuff in high schools, our economy would be in a whole lot better shape. If you get a chance pick the set up. You will be glad you did.

You can read more about Dave, the live seminars and the CDS/DVDS by going to http://www.daveramsey.com.

Bank owned Land in Auburn City Limits

I don’t know how to post the link, but we just listed 7 acres in the city limits of Auburn. It’s is bank owned. Lake front flag lot with a beautiful homesite. Ryan knows how to send the links to show you the homesite, so message him if you are interested! It’s on Cress Lake for $124,900.

Warning of Higher Rates

Last week Atlanta Fed’s Lockhart said that the Fed might need to raise rates to counter inflation even with high unemployment. “Good policy, even in circumstances of unacceptable levels of unemployment, may incorporate higher interest rates. The time is approaching when it will be appropriate to consider recalibrating interest rate policy.” He added, “as the economy continues to improve and financial markets find firmer ground, extraordinarily low policy rates will not be needed to promote recovery and will become inconsistent with maintaining price stability.”

Lockhart noted inflation remained under control for now. Now is a great time to take advantage of mortgage interest rates at these historically low levels to avoid future market volatility, especially with the recent decline in rates and remarks like Lockhart’s hitting the market.

Interest Rates Drop Again & Help with Closing Costs

 

REMINDER:  CharterBank is offering $1,000 dollars off on closing costs for all Purchases

 

 

 

 

 

         

 

 

15 Year Fixed –   4.00 %APR  * purchases

 

30 Year Fixed – 4.375%  APR*
purchases

 

FHA/VA – 4.50% APR*
purchases

FHA $100 HUD REPO Homes   4.50 % APR*
purchases

 

5/1 Conforming ARM – 3.25%* purchases

 

Dee Carmack

Mortgage Loan Specialist

706.518.7627

 

“I’m mobile and can meet with you just about anywhere!”