Recent Letter from a HARP Customer

I recently received a special note in the mail from clients that have used our services over the past ten+ years.  I will share it with our readers today:

"We are very pleased with the services People's First has provided us for years. They have helped us refinance our mortgage loan successfully. We highly recommend this company to anyone in need of any financial advice.  Thank you JoAnn, for all your help in refinancing our home. We could not have done it without you!" - Dennis &Manuela Haggerty - 7/2/2012

This household lowered their monthly mortgage payment $446 with a Freddic Mac HARP loan.  We also were able to find a less expensive homeowner's insurance company for them and saved another $1000 / year on their homeowner's insurance.

I enjoyed working with this couple as I have over the years.  We have become friends through each transaction and we always enjoy catching up with one another's lives. 
The closing of a loan is always "bittersweet" for me as together we have accomplished our goals in the financing of the home, but at the same time I will miss the constant, daily contact I have with my clients.

Congratulations to the Haggertys for their ability to lower their monthly payments!  Now maybe they can take that long, overdue vacation!

JoAnn Young - Owner / Principal Broker

If you want more information about how to lower your monthly mortgage payment with the HARP - Home Affordable Refinance Program, call or email JoAnn and get the details and start saving money NOW like the Haggertys did!  321-243-4917

Lots of Changes in 2012 for People's First Financial Services!

First, let me say...HAPPY NEW YEAR!  Here's to a brand new year and hoping it is filled with bountiful blessings for you and yours.

2011 was the 25th year of the company's existence.  It was also quite a challenging year for People's First Financial with implementing all the changes from the new legislation and RESPA reform from the end of 2010.  As I reflect on 2011, a have tagged it as a year to have gotten the "kinks" out of the changes.  And so along with change comes new ideas of how to make services more convenient for my clients.

MOBILE SERVICES
This year I am pleased to announce that People's First Financial has chosen a new location for its primary place of business at 4865 Wickham Rd. Suite 104, Melbourne, FL 32941 and has also chosen to become a more user friendly and mobile office.  Evening appointments will be made available to those who work regular business hours and do not wish to take off work or use a lunch break to make a mortgage appoinment.  I am more than happy to accomodate an appointment in the comfort of your own home or a location of your choice.

REDUCED COSTS, BETTER RATES
The best news is that the new changes have reduced the overhead of the company greatly and I am passing those savings down to my clients providing even better wholesale interest rates and closing costs!

SAMPLE OF CURRENT INTEREST RATES
Interest rates have dipped once again providing more opportunies for homeowners to refinance and also for buyers to purchase more house for their money.  Current 30 year rates as of today are at 3.99% !  APR 4.04%  That is NO points, NO origination fee!  15 yr rates are even LOWER! 
Current turn around times from application to closing are 30-45 days.  Most larger banks are taking 60-90 days to close a mortgage loan.

If you are thinking for refinancing your home or purchasing a home in the near future, I'd be delighted to take your call and start working towards your financial goals today.

So without further ado, here's to the new and even better People's First Financial Services for 2012!  I'm looking forward to a GREAT 2012 and better serving my clients!
Sincerely,

JoAnn Young, Principal Broker / Owner -People's First Financial Services
321-243-4917  Email:  JoAnn@PeopleComeFirst.net