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George Duarte recently earned the EES (Energy Efficiency Specialist) and CG-REP(Certified Green Real Estate Professional) designations from BuildItGreen.org, an affiliate of energyupgradeca.org, located in Oakland, Ca. The course is designed for real estate professionals to counsel with homeowners and prospective homebuyers about energy efficiency programs, financing and rebates available to make homes more energy efficient, to lower greenhouse gasses and SAVE MONEY ON UTILITIES! call George for questions and a consultation and go to www.builditgreen.org for more information. You can also go to www.energyupgradeca.org for even more great content.
The Federal Reserve Bank(FRB) has issued a White Paper to Congress on Jan. 4th, 2012, titled "The U.S. Housing Market:Current Conditions and Policy Considerations". This 28 page report gives an overview of the Real Estate market and some thought provoking suggestions to improve it. click on this link to read the report http://federalreserve.gov/publications/other-reports/files/housing-white-paper-20120104.pdf
Conforming Jumbo Loan Limit Cut to $625,500 from $729,750 effective Oct. 1st, 2011. If you have a loan amount higher than this and are self employed; or interested in rapid balance paydown contact us for innovative alternatives.
Are you "upside down" on your current loan? Find out if your loan is owned by FNMA or FHLMC and eligible for the new HARP 2.0 refinance program.You can check at www.freddiemac.com and www.fanniemae.com, you'll need your address, social security number and maybe loan number.
George Duarte was again voted one of the Best Mortgage Brokers in Fremont for 2011 by the Annual Reader's Choice Poll by the Argus and Fremont Bulletin newspapers, for the second year in a row. check us out at www.bestfremont.com
Reminder- Horizon Financial Associates never charges any loan fees, we are paid by the lender.
FIRST time buyer & don't know where to start? We have FREE pre-purchase planning consultations. In this market, you NEED A PLAN.
Interested in investment/rental property, with the low real estate prices, low rates and positive cash flow opportunities?
We provide FREE answers and guidance on these and many more questions from these very confusing and challenging times. you deserve a professional, experienced advisor to counsel you with accurate, honest information. Professional Mortgage Planning has always been about answers, solutions and creating choices for consumers.
check out our Real Estate site and sign up for daily updates on the local market you're interested in at www.eliterealestateproperties.com
check us out on Yelp at www.yelp.com/biz/horizon-financial-associates-fremont
We're an Accredited Business since 1998, check out our A+ rating at the Better Business Bureau http://goldengate.bbb.org
you can find Horizon Financial Associates and George Duarte on Facebook- be a Friend!
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Today's Rates:
| 30-yr Fixed | 3.87% | 4% | | 15-yr Fixed | 3.14% | 3.31% | | 1-yr Adj | 2.76% | 3.42% |
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