2 Incredible Secrets To Refinancing Your Eau Claire Mortgage Even If You Are Upside Down Are you a homeowner and have not yet taken advantage of the lowest Eau Claire mortgage interest rates in history because your home’s value is upside down?  Have you tried to refinance your existing Eau Claire Mortgage only to be denied by your bank or any Eau Claire Mortgage Company?  Are you one of the over 23% of American Homeowners that owe more on their home than they can sell it for? Hartford Financial has partnered with Fannie Mae, Freddie Mac, and the Department of Housing and Urban Development (HUD) to offer two programs that will allow your family to save $75 to $275 a month regardless of your home’s value. This partnership has ushered in the opportunity for Eau Claire Homeowners to be able... 05/15/2013

Wisconsin FHA Streamline program available for Eau Claire residents in Eau Claire County!   This Wisconsin FHA Streamline program will allow you to easily lower your mortgage interest rate and payment. Mortgage Interest Rates are at record lows!   If you currently have an FHA mortgage you can start saving $75 to $275 a month!   Our Wisconsin FHA Streamline program does not require an appraisal, requires minimal documentation, has little to no fees, and allows you to skip one month mortgage payment.   Do not delay! Eau Claire County residents call me today at 920-623-9242 or email me at fpabon@wi-mortgage.com to start your Wisconsin FHA Streamline refinance process. 12/19/2012

A CALL FOR ACTION ON R-1366 R-1366 is open for comment. Below is the definition of the Amendment from the Federal Reserve Board. Proposed amendments that would revise Closed-end mortgage disclosures to highlight potentially risky features such as adjustable rates, prepayment penalties, and negative amortization and prevent mortgage loan originators from "steering" consumers to more expensive loans. The amendment to Regulation Z has a lot great changes except for one small change that is the small print. The elimination of Yield Spread Premium. YSP is the premium paid to banks and broker for doing a loan. This will remove the ability to do a no closing cost loan and creative lending.  This will handicap the lenders and eliminate competition. Increased fees to borrowers and again slow the... 09/22/2009

Should Realtors increase there commission? I believe that Realtors should move up their commission rates. Below are reasons why it should be moved up. 1) The increased amount of short sales, foreclosure and HUD homes. 2) Dealing with banks, asset management companies, Fannie Mae and Freddie Mac. 3) Lending becoming more and more difficult. 4) HVCC-need I say more. All these variables have made it very difficult for Realtors to earn a good income. I am not a Realtor but I have seen many friends and colleges leave the industry. They are working hard for the commissions. They deserve a pay increase!   eau claire mortgages 09/21/2009

Big changes to FHA-January 1, 2010 1) The funding source of any FHA loan must have one million dollars in funds verified by FHA. 2) Brokers will no longer need to be individually certified by FHA to do FHA loans. 3) The streamline refinance as we know it today will no longer by available to borrowers. Item number two concerns me. Opening the door to all brokers to do FHA does not sound like a good idea. I have been doing FHA and VA loans for a very long time. FHA and conventional mortgages are a world of difference and opening FHA to everyone scares me. FHA   09/21/2009

Practically tee off from your own backyard! Custom 4 bed 3.5 bath home on Pine Meadow Golf Course with plenty of space for your family with 2600 Sq ft finished. Large 3 car garage with plenty of storage. Enjoy a cup of coffee and beautiful sunrises and sunsets from one of the two decks overlooking PMGC. Perfect Southside location near Meadowview South Middle School Memorial High School Oakwood Mall restaurants and shopping areas. Formal dining room large kitchen/dining area. Master bed/bath with two walk-in closets.       Looking for Eau Claire Homes For Sale? Check out my Eau Claire Real Estate Agent Website! If you have something to say please leave a comment. I will try to comment on your blog as well. If you really like this story flag it for a feature! If you would like to work wi... 07/08/2009

I found this article over the weekend and it’s rather disturbing. I know there was a lot of hype over BPA and water bottles recently but it’s also found in a lot more places than that and it turns out it’s much easier to get into your body than previously thought. If it’s that bad for you or babies it’s hard to say at this point but the article points out that heating up baby bottles made of BPA could lead to even more BPA being released which could be really bad for infants. I don’t want to try to scare anyone but it’s something that you should consider especially since it’s not limited to just plastic products (aluminum cans apparently as well) Looking for Eau Claire Homes For Sale? Check out my Eau Claire Real Estate Agent Website! If you have something to say please leave a comment... 05/26/2009

Eau Claire south side home for sale on Pine Meadow Golf Course 1713 Heartland Dr N 54701 Practically tee off from your own backyard in this custom built 4 bedroom 3.5 bath home on Pine Meadow Golf Course. Plenty of space for your entire family with 2600 Sq ft finished. Featuring a large 3 car garage with plenty of storage Enjoy a cup of coffee and beautiful sunrises and sunsets from one of the two decks overlooking PMGC.  Perfect Southside location near Meadowview, South middle school, Memorial high school, Oakwood Mall, restaurants and shopping areas. Formal dining room and a large kitchen/dining area. 2 fireplaces. A large master bedroom and bath with whirlpool/jetted tub and double walk-in closets.1st floor laundry and mud room makes it easy. Check out the virtual tour below.   Look... 05/26/2009

For the most part GPS was a pretty new thing about 10 years ago or so. The units were expensive and seemed unnecessary for the most part. Sure people get lost navigating a new city but how often did this happen that you would spend hundreds or even thousands of dollars to avoid it when a $3 map would probably do the trick. Well the technology got cheaper and it got smaller and better. Now GPS units are in phones and almost everywhere but what would happen if this technology suddenly broke down? Well it turns out that’s a very real possibility. I have seen a few stories lately about this but I guess I am finally buying into this as well.   How real of a possibility is this? You can read more here. Looking for Eau Claire Homes For Sale? Check out my Eau Claire Real Estate Agent Website! ... 05/19/2009

This one really bugs me. First of all let me step back for a moment and talk about the hacking community in general. There are two types for the most part, for profit and the ones that are still trying to unlock whether or not aliens landed or if we landed on the moon. Now the latter is generally harmless. They might do something prankish here or there such as the Palin incident but for the most part it’s nothing malicious. They aren’t stealing your pin number and it’s more or less a game. Then there are the ones where they are out to get your last cent, steal all your passwords and take over your computer. They could care less about what you want or think and the dollar is the bottom line.   But recently a hacker or group of hackers went over the line. The line was always (if you don’... 05/18/2009

You might have seen this in the news lately and it’s really nothing new but FaceBook is under another attack where some group is phishing for passwords. You can read more about it here. When I say this is nothing new I mean that there is always something like this going on. Everyone always asks why anyone would do this but of course its money. I guess most people don’t realize that getting their hands on your FaceBook account might lead them to your bank account especially if you use the same password. There are a variety of other things that these types of attacks are generally after or in the case of computer viruses it’s typically to gain control of your computer. What can you do about it? Just play it safe. Don’t click on fishy looking links and never ever give your password to any... 05/16/2009

There are many tools available today to help market a home on the internet. First impressions are important whether they be when you first pull up to the house, open the front door or check out a video on the internet. Take a look at this home for sale in Eau Claire Wisconsin at 1713 Heartland Dr N 54701. Located on Pine Meadow Golf Course you can almost tee off from your backyard! Featuring 4 bedrooms and 3.5 baths with a large 3 car garage. This is an excellent location on Eau Claire’s south side. You are near plenty of shopping just minutes from Oakwood Mall. The following was created using Microsoft Live Labs Photosynth:     Looking for Eau Claire Homes For Sale? Check out my Eau Claire Real Estate Agent Website! If you have something to say please leave a comment. I will try to co... 05/15/2009

First time home buying seminar – Location, Location, Location - Eau Claire Chippewa Falls Altoona   This is a simple enough step in the buying process. Basically where do you want to live? We need to narrow down the location to specific areas because there are so many homes for sale in Eau Claire Altoona and Chippewa Falls Wisconsin. If we can narrow down the search even a little it means a shorter time looking as well less homes to sort through. Eau Claire is divided into a few areas in our MLS system – West – North – South – and Eau Claire schools but outside the city limits. I originally posted this in my Eau Claire Real Estate Blog.   Looking for Eau Claire Homes For Sale? Check out my Eau Claire Real Estate Agent Website! If you have something to say please leave a comment. I will... 05/15/2009

First time home buying seminar – Preapproval Letter - Eau Claire Chippewa Falls Altoona Another important aspect of the buying process is to get a preapproval letter from your lender. Basically it’s just a simple letter that says you have been prequalified for a loan with that institution. A lot of real estate agents in our area like to see these letters so that they know that you are a truly qualified buyer. Just ask and the lender should have no problem getting a copy of this letter to you. I originally posted this in my Eau Claire Real Estate Blog.   Looking for Eau Claire Homes For Sale? Check out my Eau Claire Real Estate Agent Website! If you have something to say please leave a comment. I will try to comment on your blog as well. If you really like this story flag it for a featu... 05/15/2009

First time home buying seminar – Choosing a Lender - Eau Claire Chippewa Falls Altoona Another important thing to consider when buying a home is picking a lender you feel comfortable working with. You are going to be working closely with this person and it’s important that you are a good match. Another thing to point out is that not every lending institution is the same. Some offer different loan packages and rates. Some have different prices as well and just like anything it’s important to shop around for the best prices. If you are turned down at one lender that does not mean that you will be turned down at every lender! Some do not offer FHA packages and there are a variety of loans available depending on where you look. If you need help feel free to call me anytime. I originally po... 05/15/2009

First time home buying seminar Part 1 Speak With Your Lender What you need to know about buying a home in Eau Claire, Chippewa Falls, or Altoona Wisconsin. The first step is to speak with a lender so we know what price range to work in as well as to make sure that you are qualified to purchase. Even if you are not approved for a loan at this time the lender should be able to help you work on your credit scores so that you would be qualified in the future. The lending world has changed a bit and even if you think you might be qualified it’s important to determine this for sure. Not to mention home prices have changed as well as interest rates and what price range you think you might be looking in might not be exactly what you can afford. I originally posted this in my Eau Claire Real Es... 05/15/2009

compost bin I originally posted this in my Eau Claire Community Blog. If you live in Eau Claire Wisconsin and you have a lot of trees in your yard taking care of all the leaves can be quite a chore. My wife and I have been trying to green things up so to speak and we thought one of the ways that we could cut down on waste was with what many call yard waste. We just thought this was a little thing we could do and instead having the leaves hauled all off somewhere we could compost them. We also thought this was a great way to get rid of some food scraps as well. So we took a trip to Menards to get some supplies. At first I thought it might be rather expensive to build our compost bin but after taking a look at the materials available I quickly realized we could do it on the cheap. We onl... 05/11/2009

This might seem like an easy enough question with a simple enough answer. You would probably say yes almost immediately, after all they said they were marketing your home so you probably just assume that they are. In fact they are marketing your home when they put the sign in the yard. They are marketing the home to anyone who happens to drive by. They are also marketing the home when they put it in the MLS system. Once the listing of your home is there it’s easy for anyone with MLS access to see your home and with a mouse click or a phone call come and see it. They might even do an open house for you and when they do the open house is probably advertised in the weekend paper. The open house might even appear online if they bother to even make this available on their website that is if... 05/06/2009

If you own a website or are at least familiar with the battles than can ensue over domain names then you probably have heard the term squatting. It’s when someone takes a bunch of names and basically sits on them until someone else is forced to pay a pretty penny for the name. It used to be primarily around domain names. As they first hit the internet the more tech savvy or at least the ones who knew there was gold in them their names decided to buy them all up, especially names associated with products or brand names. Twitter being no different has started to see people coughing up to get particular names. Now there is even a place to trade or buy them. Looking for Eau Claire Homes For Sale? Check out my Eau Claire Real Estate Agent Website! If you have something to say please leave a... 05/02/2009

If you are in any sort of financial trouble and are facing a possible foreclosure it is very important that you understand there are alternatives to the foreclosure process. A foreclosure should be avoided at all costs and simply quitting making your payments is not a solution out of your problems. I understand that job loss and a variety of other factors can quickly spell trouble. I also understand that not everyone knows the options available to them. It is imperative that you speak with your lender about possible alternatives before you get further into a situation that there is only one way out of. If you are looking for a competent professional with experience handling short sales and foreclosures please contact me immediately. You don’t want to wait. The further you get into trou... 05/02/2009