Archive for October, 2010

We Should Talk

October 19, 2010

Unless you have been living under a rock for the past 18 months you know that interest rates on home loans have been at historically low levels.  The bad news is that you also know the effects the market has had on the value of your home.  Many homeowners feel they have few options available.  How can you refinance your home to take advantage of these great rates when your home’s value is less than before?  Well before you decide that living under a rock now sounds appealing, we should talk.

If you have taken care of your credit by paying your bills on time, watching your credit card balances and not overextending yourself there are options.  No, these are not crazy loan programs set to self-destruct in 3 years time.  We are Awareness Home Funding, we only offer solid loan programs that actually make sense and benefit you.  These are programs with exactly you in mind – designed to reward you for your efforts and good behavior.

We have programs to refinance Conventional, FHA and RD loans that allow borrowers to take advantage of the historically low interest rates without the need for a new appraisal of your home to be completed.

Here are the basics:

  • You need to live in the home you are refinancing. 
  • This cannot be a second home or an investment property.
  • You need to be current on your mortgage right now.
  • Your personal credit needs to be in good shape.  (We can help you get a complete credit report and score at no charge.)

If this sounds like you, we should talk.  We can help you determine the specific qualifications so you can make an informed decision without pressure, confusion or cost. 

Call us today at 866-982-9273.

Shawn DeVries

October 5, 2010

There are certain times in life when you sit back and contemplate the lessons you have learned – those personal observations about who you really are.  These can be stepping stones to the future that provide motivation to continue along a given path or opportunity to change if you don’t like the current results.  Here are a few of mine:

I have learned I will no longer have the ability to claim the status of being the youngest person in the office/department.

I have learned to accept and appreciate my identity not as my real name, but simply as my children’s mom to all their friends.

I have learned that I have an odd sense of humor that can be used to lighten a mood or merely embarrass my kids into obedience – both of which give me great pleasure.

I have learned I can be very shy.

I have learned there is great value in learning something new everyday.

I have learned that things and experiences that life defines as “failure” can actually be blessings.

I have learned the value of prayer, faith and hope.

I have confirmed that a budget is not a 4-letter word, but rather a gift of control.

I have learned that I am indeed a control freak.

I have come to appreciate the therapeutic benefits of close friends, intense laughter, a good cry and chocolate; and that they are much more affordable then actual therapy.

I have learned there are many levels to myself and that each one experiences life with great passion and emotion.

I have learned that meeting personal goals is incredibly rewarding.

I have learned to accept help when offered and that asking for help is not a sign of weakness, but rather a display of incredible strength.

I have learned that humility brings perspective on what really matters most.

I have learned the value of real friends.

I have finally determined what I want to be when I grow up.

I am determined to conquer my fears.  My fears of spiders, snakes and heights however are exempt from that statement.

I have learned that I still have a lot to learn and I am learning to enjoy the process along the way.