It has been quite some time since we last spoke. I wanted to catch up and give you an update as to what is happening in the world of real estate and mortgages. Certainly a lot has happened nationally since I last financed your home. We have gone through some interesting economic times, to put it mildly.

The recession provided pain for many Americans. It also has provided opportunities for many others. With regard to real estate, lower home prices have translated into bargains. Many investors are purchasing foreclosures and other distressed properties. Others are taking the opportunity of the lowest rates in history to refinance.

I have refinanced many previous clients who have achieved hundreds of dollars in monthly savings and others who have moved into 15-year mortgages. With homes not appreciating as they were, building up equity through prepayment is a very popular objective today. Some have lowered their rate enough that they have been able to move to a 15-year schedule without increasing their payment!

I would like to schedule a phone call with you to get an update as to what is happening in your life and financial situation. I may be able to give you an idea of what values are in your neighborhood and how your present credit score can be improved to further your future financial prospects.

Please contact me so we can set up a time for a more in-depth review of your situation.I look forward to catching up and helping you assess how we can help you take advantage of the opportunities that exist today or even make minor adjustments that could mean major savings in the long-run.