The results of countless studies have shown that potential home buyers, and even current homeowners, have an inflated view of what is really required to qualify for a mortgage in today’s market.One such study by the Wharton School of Business at the University of Pennsylvania, revealed that many Millennials have not yet considered purchasing a home, simply because they don’t believe they can qualify for a mortgage.The article quoted Jessica Lautz, the National Association of Realtors’ Managing Director of Survey Research, as saying that there is a significant population that does not think they will be approved for a mortgage and doesn’t even try. The article also quoted Fannie Mae CEO Tim Mayopoulos: “I do think that there’s a sense out there in the marketplace among borrowers that cre... 10/17/2016

207 N CATHERINE Appleton, City of, WI 54911 Raised Ranch, 2 Unit MultiFamily - Appleton, City Home   Virtual Tour   Photo Gallery   Property Map   Financing   Request Showing   Contact Me   Chris Siamof Mobile: 920.843.1295: Office: 920.843.1295: Website: Visit Website Price : $169,900 Square Foot : 3,590 County : Outagamie Property Type : Co-Op MLS Number : 50138227 click for more information and pictures Property Description -Huge over 3200 sq ft duplex in established residential neighborhood, fully rented, large Master bedrooms, separate laundry room 2nd floor, huge kitchens, fireplace, 2 baths per side, all separate utilities, fully rented Equal Housing Opportunity. Keller Williams : 446 Westhill Blv Ste #1 - Appleton, : 920.843.1295 03/16/2016

1 in 4 appleton | Green bay Mortgage Loans are originated using fhaJanuary 2016 - The timing seems right to open up discussions about FHA home loans again. With the new underwriting guidelines that became effective September 14, 2015, and the increase of minimum credit score requirements adopted by many local and National banks, we are delighted to provide you with up to date information.FHA provides an array of products; FHA purchase loans, 203K home renovation or repair loans, rate and term, and cash out refinance loans, and finally their streamlined refinance loans for current FHA loan holders. FHA does offer one very special loan; The Back to Work FHA loan - This special loan allows for recent bankruptcy, foreclosure, or short sale.You may lift an eyebrow to when I tell you that nea... 10/21/2015

New Listing in Wind Meadows North Subdivision - View the interior of this elegant 4 Bedroom home for sale in Wind Meadows North | Appleton. A detailed virtual tour can be viewed by clicking HERE.  This 4 Bedroom home for sale in Wind Meadows North | Appleton offers timeless style and appeal.  As you enter the foyer, you are greeted by the volume ceilings and grand staircase.  Highlights of the first level in this 4 Bedroom home for sale in Wind Meadows North | Appleton are the 1st floor Master with a beautiful on-suite, the warm and inviting hearth room and chef delights kitchen. Built in 1998, other features include a tiered stone terrace, 4375 square feet of living, 3.5 baths, finished basement the offers a recreation room, wet bar, additional bedroom and full bath.  Wind Meadows Nort... 07/03/2013

Stop foreclosure today!!! The economic crisis we are facing is affecting millions of homeowners.  Many people are facing situations in which they can no longer afford their mortgage payments.  Perhaps they lost their job, or the interest rate on their adjustable rate mortgage has increased.  Whatever the reason, foreclosure rates are skyrocketing.  And to make things worse, property values are falling dramatically.  This means that for many people, their homes are worth significantly less than their mortgage balances. If you are in a situation in which you can no longer afford your mortgage, and foreclosure is inevitable, you might want to consider a short sale. Call us for a FREE, NO OBLIGATION Consultation 920-993-7234       Should I Short Sale My Appleton Home or Let it go to Foreclo... 06/03/2013

Appleton, WI Relocation Help If you’ve ever moved, you know there’s more to relocation than just buying or selling a house. From finding a school for the kids, to gathering information on your new community, we’ll be there every step of the way. Our friendly and professional relocation department works with buyers and sellers from all over the country, helping ensure a smooth transition to your new home. Click here for a free relocation consultation.  When you relocate to the Appleton Area you need a specialist in neighborhoods as well as in negotiation. Not every Relocation Realtor in Appleton is Relocation Certified. I take pride that I am Certified in all aspects of relocation at. I make Appleton WI Relocation a focus of my business and respect the clients that have benefits for your... 05/30/2013

2 Incredible Secrets To Refinancing Your Appleton Mortgage Even If You Are Upside Down Are you a homeowner and have not yet taken advantage of the lowest Appleton mortgage interest rates in history because your home’s value is upside down?  Have you tried to refinance your existing Appleton Mortgage only to be denied by your bank or any Appleton 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 Appleton Homeowners to be able to take a... 05/15/2013

Exciting Appleton HARP 2 Program News! The Federal Housing Finance Agency recently approved an extension of the highly successful HARP 2 program for Appleton Homeowners.  This will provide a continuation of one of the most successful Appleton mortgage refinance programs offered by FHFA for an additional 2 years!  Can you answer these questions? Are you a homeowner and have not yet taken advantage of the lowest Appleton mortgage interest rates in history?   Are you currently upside down in your current Appleton mortgage?  Do you have good credit with a good recent pay history?   Is your current Appleton mortgage backed by Fannie Mae or Freddie Mac? If you answered yes to these four questions and your current Appleton mortgage was purchased by Fannie Mae or Freddie Mac prior to May 31, 20... 04/11/2013

Appleton Refinance Success Story : Kevin & Betty (Starter Home) Kevin and Betty is a young married couple that purchased a “starter” home in 2005.  The home is a small 2 bedroom home in Appleton.  When Kevin and Betty purchased the home, they were advised and encouraged by their real estate agent to purchase a small home, make payments to build equity, and then as the children get older sell that home and use the built up equity as the down payment on a larger home.  In theory this must have seemed like a common sense approach to building wealth and staying within their means.  Being a young, recently married couple with an infant child, Kevin and Betty listened to the advice of the professional real estate agent.  Shortly after purchasing the home, Kevin and Betty discovered there was ... 03/25/2013

Appleton Refinance Success Story : Julie & Don (Self-Employed) Julie and Don have been married for over 15 years and purchased an Appleton Home in 2001.  Julie works in an executive position for a prominent company in the Fox Valley area while Don has been self employed in the service industry for over 20 years.   Much of their Appleton Mortgage Home Loan profile indicates that Julie and Don are of little risk.  Their credit profile reflects a perfect pay history on every trade line for both borrowers.  The home is located in an affluent area that has not experienced a substantial change in property values.  Julie and Don decided that after paying on the original Appleton Mortgage for almost 12 years at a higher interest rate, it was time to refinance to shorten the term of their mortga... 03/25/2013

Appleton Mortgage Success Story : Marco (Recently Divorced) Marco is a recently divorced single father with three children that live with him in Appleton.  He mentioned that he had seen our website at wi-mortgage.com and the success stories of other Appleton homeowners motivated him to contact us.  Marco informed me at the beginning of the application process that the divorce had created a couple negative blemishes on his credit report.  Even though the divorce decree stated that his ex-wife was required to pay some of the credit cards, she did not.  Marco only found out after receiving phone calls from the credit card companies.  Unfortunately, I have seen this happen many times in my time as a licensed loan officer. Marco was awarded the home in the divorce because he needed a place t... 03/25/2013

Appleton Mortgage Success Story: Anthony and Alicia Anthony and Alicia, grandparents of four, are currently in a 6.625% Appleton mortgage.  Anthony and Alicia’s mortgage does not escrow their taxes and insurance.  Here are some more client specifics: Anthony and Alicia have solid credit (680-700.)  They have one minor ding in last 7 years. Anthony and Alicia own a Menasha duplex.  They have remodeled both units within the last 4 years. Anthony has a solid work history. Anthony has worked at same Brillion business for over five years. Here is a list of documents needed for a basic Appleton refinance: 30 days of pay stubs  Last two years of income taxes including w2s Current mortgage statement(s) Property tax bill Home owner’s insurance declarations page,  3 months of bank statements,  Re... 03/05/2013

FHA Streamline Program in Appleton is also available throughout Outagamie County! The Appleton FHA streamline program will allow you to easily lower your Appleton mortgage interest rate and payment. Interest rates in Appleton are at Record Lows! If you have a FHA mortgage in Appleton, good pay history, and average credit scores, you can start saving $75 to $275 a month!   Our streamlined Appleton FHA mortgage program does not require an appraisal, does not require equity, requires minimal traditional documentation, has no points, and is not a time consuming loan modification.     Our Appleton FHA streamline mortgage program requires a 5% minimum savings, allows you to skip one month mortgage payment, and you will receive a refund of your current escrow account.   Do not delay!  Appleto... 01/31/2013

Wisconsin FHA Streamline program available for Appleton residents in Outagamie 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! Outagamie 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. 12/12/2012

Keith and Mary L. purchased their home in 2008 with an FHA Mortgage Loan.They felt extremely lucky to get a home that they loved in a great neighborhood at a price that was within their budget.Keith and Mary noticed that FHA Mortgage rates had been at record low and wondered if now was the time to refinance the FHA mortgage on their home. Many people were concerned about property values.Keith and Mary were no different.They said they were using property value websites to try and research what the value of their home would likely be.They were shocked to see that the value of their home according to these sites was almost $20,000 less than what they paid for the house!Keith actually told me that there was “absolutely NO way you can get this loan for me.” Keith contacted me regardless of h... 12/05/2012

  “My name is Vicki Olson and I am excited to be affiliated with the Homes for Heroes organization, which gives back to those who serve us daily.  As an Army Veteran, this program was perfect for me, and fills my desire to give back to my community. I have lived in the area most of my life and understand the market well. My greatest pleasure comes from helping my Clients reach their goals, whether buying or selling. I will work with Integrity through each step of the process and walk you from where you are, to where you want to be. For more information on becoming a Homes for Heroes Affiliate Click here 11/30/2012

Attention Appleton FHA Loan Homeowners! New FHA Streamline Program is now available!! If you currently have a FHA loan that closed before March 2009 - You may be eligible for a FHA streamline refinance loan that will not require an appraisal. If you think you may be upside down on your mortgage but you make your payments on time you can take advantage of this money saving program and historically low rates. This FHA program is limited – act quickly. These FHA streamlines also have lower fees and some have no fees at all. This is your time to take advantage of the lowest rates Appleton Wisconsin residents have seen in a long time. Do not hesitate, please call my office at 920-623-9245 for a no obligation mortgage analysis. If we can save your money we will come out to your Appleton area ... 06/14/2012

    Mortgage rates are hot, hot hot!  But, they’ve been great for years now.  Does a two to three year span of low mortgage rates “lock out” homeowners who bought or refinanced in last thirty six months?  In today’s installment Milly lets homeowners of America know that there is another way “to kill the cat in the alley” so they can still take advantage of these rock bottom rates and save themselves a “ton of jack on their shack”. A concept that seems to only be in the mind’s of about 1/3 of homeowners today is torefinance to shorten their amortization versus the sole reason of simply lowering interest rate.  The mortgage market were in now offers homeowners not only the angle of dropping their interest rate, but also to cut years off of their current note with little or no change to t... 06/12/2012

  The most common question we hear at the “shop” for the last two years is by far, “how much lower do you think home prices or rates will get?”.  In today’s installment Milly talks to ourmortgage clients of Wisconsin and Illinois, and Americans from edge to edge for that matter, about the virtue of “siezing the day” and taking advantage of what the market has to offer now. Homeowners of America today that are in their current mortgage have reservations aboutrefinancing because of fear they will regret that they didn’t wait for the “bottom” of theinterest rate market.  Milly illustrates that most people who wait for bottom end up getting “whiplash” because the mortgage bottom doesn’t advertise that it’s coming and once it hits, it’s already gone. There also seem to be a lot of renters i... 06/11/2012

    In today’s video Milly gets the help of Harry and Lloyd to illustrate the seven common “trip ups” people can suffer on their credit and keep them from qualifying for a mortgage.  Milly wanted to take some time to talk about some of these because they go beyond the common, “pay your bills”, “don’t get sued”, “don’t get your credit pulled a 100 times” type of advice that is readily out there.  Today’s video provides some worth while and “out of the box” stuff to keep your eye on in regard to your credit scores and the next time you apply for credit. We hope you enjoy today’s installment! If you or any of your loved one have any questions regarding mortgage financing, home ownership or banking in general, please don’t hesitate to hit that MILLY button!! Feel free to share or re-post t... 06/08/2012