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04/27/08 2nd Mortgage Special Through June
If you have been considering a second mortgage loan or line of credit for any purpose, here’s an opportunity to save on the front-end cost. On second mortgage loan applications received or loans closed through June 2008, the credit union is absorbing most of the usual loan origination costs.
For most borrowers there will be no out-of-pocket cost at all as the credit union waives its usual origination fee and covers the cost for title search, value verification, flood plain certification and lien filing.
The exceptions to absorbing cost are appraisals if required by state law or on loan amounts over $75,000; use of attorneys where required by state law; and mortgage taxes in states that tax mortgage transactions. This offer is not available in Texas.
The minimum loan amount required to qualify for this special is $10,000, including $10,000 of new money if the loan involves refinancing an existing Four Points loan.
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04/27/08 Top 5 Improvements with Pay Back
Home remodeling projects can add much to the comfort and enjoyment of a home. Even modest remodeling projects come with a cost, though, and the investment usually doesn’t add a corresponding amount to the value of the home.
But when most people remodel, their main purpose is updating and improving a home they plan to live in. It isn’t for resale.
Still, it’s worth noting that some remodeling and improvement projects will consistently return more in future value. In recent years, certain projects have usually topped the list in value returned. These are the 2007 top five according to the Harvard Center for Housing Studies.
It’s a good time to take advantage of the current Four Points special on second mortgage loans.
New Siding
You can spruce up the exterior with paint, but siding may also be an option to consider. Depending on the type of siding and market conditions, siding has typically returned 80% to 85% of the investment.
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