Syosset, New York – Total Solutions Advisors Inc., a leading player in the business strategy and operational planning industry brings to customers very impressive marketing and management consulting solutions. The key player in the company Jim Clooney or James Clooney spearheads the entire operation with his vast experience and sharp business acumen. Jim Clooney has already helped numerous companies set their mark in the industry with his insightful services.
Jim Clooney who is a wizard in the investment industry capitalizes his vast experience in the sector to help some of the world’s largest financial companies. Jim Clooney has more than 30 years of experience in the field and has experience working with two of the Big Four international auditing firms. As the Principal of Total Solutions Advisors, Jim Clooney leads the company in the path of success. The company has been rated as the Best ROI in the Mortgage Marketing industry. Jim Clooney strives hard in helping customers achieve top-notch business performance. Jim Clooney helps his clients by increasing the opportunities for his them, by providing powerful planning and development strategies. Clients that have used the expertise of Jim Clooney express total satisfaction based on the unmatched services offered by the expert. Under the able leadership of Jim Clooney Total Solutions Advisors Inc., also offers business performance optimization services. The company helps the clients in four major areas namely, strategy, structure, people and process. Total Solutions Advisors Inc., uses the industry’s best practices and proven strategies to achieve the desired results for the customers. Jim Clooney’s Total Solutions Advisors Inc., offers very dependable marketing strategies. The company specializes in offering customized marketing solutions. Jim Clooney and the team create customized solutions based on in-depth market and competitor analysis. The company evaluates the customers' business profile and designs the most favorable solutions that are not only impressive but also solutions that are achievable. Jim Clooney is known for his abilities to create down to earth solutions, which make the company stand out from the rest of the competition. Some of the key areas covered by Total Solutions Advisors Inc., in marketing include, branding, public relations, media buying, infomercials, PR placements, web development, Ecommerce solutions, search engine optimization, graphic design, direct response strategies using TV, Radio and Mail and more. Total Solutions Advisors Inc., offers its clients the most comprehensive range of marketing solutions making it easy for businesses to enjoy great success. The company guided by the flawless leadership of Jim Clooney offers very dependable and friendly services. About Total Solutions Advisors Inc. Total Solutions Advisors Inc is one of the most experienced financial and mortgage companies that offers wide range of services including but not limited to strategic planning, strategic alignment reviews, competitive analysis and market planning, strategic market and growth analysis and more. The company plays a significant role in the financial and mortgage sector. For more information about the company and the complete list of services, please visit http://www.totalsai.com. When talking to associates and the public about real estate topics, it’s important to be educated on the issues that we value most as REALTORS®. Government fiscal and tax policy can be confusing issues that many REALTORS® don’t feel they have time for. Still, anyone working in the industry is bound to strike up a conversation that leads to the current budget shortfall and potential ways to fix it. Reducing or eliminating the Mortgage Interest Deduction is often suggested.
REALTOR® advocates need to know a few quick facts to show our clients and our communities why this deduction is so important to homeowners, families, and the country as a whole. This infographic makes the major points that every REALTOR® should be able to recount, without getting mired in the muck of too much tax policy: The statistics make it plainly clear how valuable the Mortgage Interest Deduction is to Americans. Roughly three out of every four homeowners with a mortgage claims the deduction. With an average tax deduction of $2,713, the MID is a major savings for home buyers who are investing in their futures. Without that deduction, we’d see some significant increases in taxes for middle-class Americans. The typical taxpayer who claims the MID is under 45 years old, married, and has children. Their household income is under $200,000. This is the quintessential working family that is in the process of building a nest egg for their children’s future and long-term for retirement. Saving those tax dollars each year is encouraging them to make investments in their community. One of the biggest concerns with proposals to change the MID would be the effect on home prices. Values of real estate across the country would be projected to fall 15 percent if the MID were eliminated altogether. After finally beginning to recover from the previous downturn, real estate markets would be devastated by another such a drastic drop in prices. Real estate is one of the biggest components of the national GDP, comprising about 15 percent of the total. Consumer spending creates jobs and economic growth, and real estate has always been a leading driver for consumer spending. Our national economic well being is, and always has been, tied to a healthy real estate market. As REALTORS®, we’re obligated to speak up when real estate issues are on the table. We know better than anyone the importance that the real estate market plays in every American’s financial well-being, whether or not they own a home. Political arguments may espouse some lofty theories, but the real-world facts support our position. by Sam Debord Syosset, New York – Total Solutions Advisors Inc., a leading player in the business strategy and operational planning industry brings to customers very impressive marketing and management consulting solutions. The key player in the company Jim Clooney or James Clooney spearheads the entire operation with his vast experience and sharp business acumen. James Clooney has already helped numerous companies set their mark in the industry with his insightful services.
James Clooney who is a wizard in the investment industry capitalizes his vast experience in the sector to help some of the world’s largest financial companies. Jim Clooney has more than 30 years of experience in the field and has experience working with two of the Big Four international auditing firms. As the Principal of Total Solutions Advisors, James Clooney leads the company in the path of success. The company has been rated as the Best ROI in the Mortgage Marketing industry. James Clooney strives hard in helping customers achieve top-notch business performance. James Clooney helps his clients by increasing the opportunities for his them, by providing powerful planning and development strategies. Clients that have used the expertise of Jim Clooney express total satisfaction based on the unmatched services offered by the expert. Under the able leadership of Jim Clooney Total Solutions Advisors Inc., also offers business performance optimization services. The company helps the clients in four major areas namely, strategy, structure, people and process. Total Solutions Advisors Inc., uses the industry’s best practices and proven strategies to achieve the desired results for the customers. James Clooney’s Total Solutions Advisors Inc., offers very dependable marketing strategies. The company specializes in offering customized marketing solutions. Jim Clooney and the team create customized solutions based on in-depth market and competitor analysis. The company evaluates the customers' business profile and designs the most favorable solutions that are not only impressive but also solutions that are achievable. Jim Clooney is known for his abilities to create down to earth solutions, which make the company stand out from the rest of the competition. Some of the key areas covered by Total Solutions Advisors Inc., in marketing include, branding, public relations, media buying, infomercials, PR placements, web development, Ecommerce solutions, search engine optimization, graphic design, direct response strategies using TV, Radio and Mail and more. Total Solutions Advisors Inc., offers its clients the most comprehensive range of marketing solutions making it easy for businesses to enjoy great success. The company guided by the flawless leadership of James Clooney offers very dependable and friendly services. About Total Solutions Advisors Inc. Total Solutions Advisors Inc is one of the most experienced financial and mortgage companies that offers wide range of services including but not limited to strategic planning, strategic alignment reviews, competitive analysis and market planning, strategic market and growth analysis and more. The company plays a significant role in the financial and mortgage sector. For more information about the company and the complete list of services, please visit http://www.totalsai.com. The ongoing housing recovery, coupled with improvement in both consumer confidence and the labor market, is expected to boost economic growth in the second half of the year, according to a new report by Fannie Mae (FNMA).
The mortgage-finance company noted the latest jobs report showed steady year-to-date job creation and measures of consumer confidence are at or near recovery highs. Furthermore, it said that despite a sharp increase in mortgage rates during the past two months, home sales have held up and home prices have continued to post gains, helping to keep the economy on a positive growth path this year. "We continue to see growth in housing, partly due to an increase in existing home sales as buyers choose to act while rates remain near historic lows," Fannie Mae Chief Economist Doug Duncan said. "Consumer attitudes are improving amid a strengthening employment sector and we should begin to see a moderate pickup in consumer spending." Fannie Mae said its forecast for July is little changed from last month. Overall, the company expects economic growth of 2% this year, but said further momentum later in the year should help carry growth in 2014 to an above-par pace of 2.6%, the strongest since 2005. The company added it expects home mortgage rates to continue to rise gradually, averaging 4.7% in the fourth quarter of this year--about 0.4 percentage points higher than the number cited in its June forecast--but said the forecast of home sales is little changed, with expectations of an 8% rise in 2013. Fannie also said that while the surge in mortgage rates hasn't significantly hurt purchase mortgage applications, it has led to a marked decline in refinancing applications, which is expected to continue next year. Source: Wall Street Journal CHICAGO (MarketWatch)—Mortgage rates used to be the least of home buyers’ worries. But a recent interest-rate spike is turning the factor of rising home-loan rates into a widespread concern.
Rates on 30-year fixed-rate mortgages averaged 4.37% for the week ending July 18, according to Freddie Mac’s weekly survey of conforming mortgage rates. That’s down slightly from the average a week earlier, but up more than a percentage point from early May. While it isn’t yet known how the rate increase may have affected overall housing sales, the volatility been a reality check, a reminder to would-be buyers that low rates won’t be around forever, said Jessica Edwards, Coldwell Banker Real Estate consumer specialist. It’s causing others to back out of deals in progress. For example, two of Ellie McIntire’s short-sale transactions have fallen through the past couple of weeks. The Baltimore-area real-estate agent, who specializes in short sales, said that rising rates are to blame. In a short sale, the sellers owe more on the mortgage than the home is currently worth, and their lender agrees to accept less than the full mortgage payoff at closing. In McIntire’s cases, after waiting for at least 60 days for the banks to accept or reject their offers, the buyers decided they couldn’t afford to wait any longer and pulled out of the process, she said. Without an agreed upon contract price, they couldn’t secure financing. “They had gotten to the 4% [30-year fixed-rate mortgage rate] mark and decided they wanted to find a home that was a standard transaction,” not a short sale, McIntire said. With a traditional sale, the home seller approves the offer, not the bank, so the process can move more quickly. Forty-one percent of home buyers said rising mortgage rates were their No. 1 worry, according to a survey of more than 2,000 people conducted in late June by real-estate website Trulia. Of the respondents who plan to buy a home someday, 13% said a mortgage rate of 4% would be too high and 20% said a mortgage rate of 5% was their limit. Another 22% said rates would have to reach 6% to discourage them from buying a home What a higher rate means for your bottom line The monthly payment on a $200,000, 30-year fixed-rate mortgage at 3.35% (what it averaged in early May) is $881. When the rate goes up to 4.46% (what it averaged in late June), the monthly payment is $1,009, according to calculations from Trulia’s chief economist, Jed Kolko. Or consider this rule of thumb: For every $100,000 borrowed, a percentage point increase in rate means an additional $83 a month in your monthly mortgage payment, said David Zugheri, executive vice president at Envoy Mortgage in Houston. Is that enough to stop someone from buying a home? Maybe not. But it will likely make someone stutter and reconsider the purchase, he said. Even a smaller jump can be felt in a borrower’s monthly budget. Kay Brungs closed on a one-bedroom condo unit in Chicago’s Streeterville neighborhood on July 3. When she started the process of financing her purchase, she qualified for a 30-year fixed-rate mortgage rate below 4%. She wanted to lock then, but her loan officer at the time told her to hold off, that lower rates could be coming. In the meantime, rates jumped, and she ended up with a 4.23% rate at closing. Now she’s paying for it. “It’s not monumental or game changing, but it’s $45 month that I’m not going to have,” Brungs said. That’s also $540 a year, or $2,700 over the course of five years. Rates could start to move more gradually Of course, no one knows exactly what rates will do in the weeks and months ahead. That’s the scary part. The comforting part is that while rates will most certainly trend upward in the long term, they might not reach 5% with great speed, said Erin Lantz, director of Zillow Mortgage Marketplace, a mortgage shopping website. “What we expect is for rates to move up to around 4.5% to 5% in the next 12 to 18 months,” she said. “What the federal government is aiming to get to is a stable, less volatile interest rate level.” What’s more, many in the mortgage industry think the Federal Reserve may still be buying bonds, helping mortgage rates to stay low, for the next three years or so, Zugheri said. So while rates may be higher than earlier this year, there’s a good chance they’ll stay low for a while, relative to their historic averages. (It’s worth noting that from 2003 through 2006, generally strong years for the housing market, the average rate for 30-year fixed mortgages generally hovered between 5.5% and 6%.) It’s also worth noting that while fixed-rate loans have experienced large swings, adjustable-rate mortgages haven’t been quite as volatile, said T.J. Freeborn, mortgage professional at Discover Home Loans. People planning to live in a home for no more than five to seven years might view an ARM as a good choice, since they will likely move before the rate resets, she said. If you’re in the market Don’t panic if you’re home shopping right now. Rates might not be at the bottom, but they’re still very low. Just make sure you budget for interest-rate fluctuations, Zugheri said. “The best advice I could give to a would-be home purchaser is, when factoring your monthly payment, throw on an extra $100 per $100,000 borrowed…and mentally be prepared for that,” he said. “What it might do is drive you to buy a less expensive home, it might drive you to put more money down, it may change your behavior and you may start looking at different neighborhoods.” And make sure you trust the loan officer you’re working with. In retrospect, Brungs thinks if she switched sooner she would have locked a lower mortgage rate. Don’t be afraid to move on if you’re not satisfied with the person you’ve picked to originate your loan. Better yet, by getting preapproved before you’ve even started home shopping, you can get a sense for how the lender treats you and decide whether you want to stick with them until closing, Lantz said. Pay attention to how responsive they are to your calls and how reliable they are, and make sure you like their style of explaining the mortgage process, she said. Source: MarketWatch Rank Name City State Section District Points
1 Rodgers, Scott D. Scotch Plains NJ Eastern New Jersey Region 756 2 Friedman, Neil New York NY Eastern Metropolitan Region 576 3 Clark, James Larchmont NY Eastern Southern Region 516 4 Kalina, Jonathan Fair Lawn NJ Eastern New Jersey Region 384 5 Harrington, Bill New York NY Eastern Metropolitan Region 354 6 Satterlee, Richard Thomas Bronx NY Eastern Metropolitan Region 259 7 Miyake, Junji Cliffside Park NJ Eastern New Jersey Region 258 8 Okuda, Tatsumi Tenafly NJ Eastern New Jersey Region 198 9 Serebro, Boris White Plains NY Eastern Southern Region 192 10 Olds, Mason Garden City NY Eastern Long Island Region 192 11 Lurie, Jonathan New York NY Eastern Metropolitan Region 165 12 White, Ken Elma NY Eastern Western Region 164 13 Hakanson, John East Northport NY Eastern Long Island Region 159 14 Hoffman, Andrew Holmdel NJ Eastern New Jersey Region 132 15 Irom, Bruce Roslyn NY Eastern Long Island Region 126 16 Difabio, Joseph J. Troy NY Eastern Northern Region 126 17 Asher, Jordy Endicott NY Eastern Western Region 104 18 Smith, Theodore Croton Falls NY Eastern Southern Region 96 19 Miller, Grant L. Guilderland NY Eastern Northern Region 96 20 Spano, Joseph Oak Ridge NJ Eastern New Jersey Region 96 21 marshall, william New York NY Eastern Metropolitan Region 95 22 Coglietta, Fred F. Saint James NY Eastern Long Island Region 88 23 Boutillette, Michael J. Somerset NJ Eastern New Jersey Region 84 24 Goetz, Philip Brooklyn NY Eastern Metropolitan Region 84 25 Yonkers, Paul J Sea Cliff NY Eastern Long Island Region 68 26 Bellcourt, Scott L. Niskayuna NY Eastern Northern Region 64 27 Smith, David Cresskill NJ Eastern New Jersey Region 64 28 Sherlock, John G. Laurence Harbor NJ Eastern New Jersey Region 44 29 L'allier, Jean Flushing NY Eastern Metropolitan Region 13 30 Varela, Alejandro Jamaica NY Eastern Metropolitan Region 6 31 Greenblatt, Joel Sands Point NY Eastern Long Island Region 4 32 Rakoczy, Roman Clifton Park NY Eastern Northern Region 4 33 Barest, Warren S. White Plains NY Eastern Southern Region 4 34 Gash, Gary M. White Plains NY Eastern Southern Region 4 35 Heath, Timothy New York NY Eastern Metropolitan Region 4 36 Appel, Jeffrey New York NY Eastern Metropolitan Region 2 37 Gribbin, Bill Manhasset NY Eastern Long Island Region 2 38 Delman, Robert Old Westbury NY Eastern Long Island Region 2 39 Reiley, Jorge A. Manorville NY Eastern Long Island Region 2 40 Soltan, Yasser Ahmed Brooklyn NY Eastern Metropolitan Region 2 41 Hesky, Haim Great Neck NY Eastern Long Island Region 2 42 Ackley, Frank Wainscott NY Eastern Long Island Region 1 43 Anton, David Old Bethpage NY Eastern Long Island Region 1 44 Swenson, Christopher B Montclair NJ Eastern New Jersey Region 1 45 Clooney, Jim oyster bay cove NY Eastern Long Island Region 1 46 Weiss, Andrew G. Port Chester NY Eastern Southern Region 1 47 Sedlacek, Paul L. Rockaway NJ Eastern New Jersey Region 1 48 Volpe, John L. Nutley NJ Eastern New Jersey Region 1 49 Mejia, Robert J. Mahwah NJ Eastern New Jersey Region 1 50 Hinshaw, John Levittown NY Eastern Long Island Region 1 51 Gigante, Joseph West Islip NY Eastern Long Island Region 1 The Mortgage Bankers Association (MBA) released its weekly report on mortgage applications this morning, noting a drop of 2.6% in the group’s seasonally adjusted composite index, following a drop of 4% for the previous week. The pace of mortgage loan interest rate increases slowed, however, as some rates fell for some types of loans for the first time in several weeks.
The seasonally adjusted purchase index increased by 1% from the most recent report. On an unadjusted basis, the composite index rose by 22% week-over-week. The unadjusted purchase index increased by 26% for the week, and is up about 5% year-over-year. The MBA’s refinance index fell by 1%, after sliding 4% in the previous week. The share of refinancings fell to 63%, remaining at its lowest level in more than two years. Adjustable rate mortgage loans account for 7% of all applications, flat with the prior week. The average mortgage loan rate for a conforming 30-year fixed-rate mortgage remained unchanged at 4.68%. The rate for a jumbo 30-year fixed-rate mortgage decreased from 4.86% to 4.81%. The average interest rate for a 15-year fixed-rate mortgage fell from 3.76% to 3.3.70%. The contract interest rate for a 5/1 adjustable rate mortgage loan fell from 3.40% to 3.39%. Refinancings continue to slide, but the slight decline in mortgage loan rates is good news for buyers — and sellers. As more inventory comes on the market, home price increases will slow or reverse, making home purchases more affordable as well. posted on 247 wall street Links |
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