What is new in the marketplace!

As vice president and senior loan officer, "What's my rate?" is the most common question, and often the first question I'm asked when a client inquires about a refinance or a purchase. It's also the most difficult question to answer because there are numerous external variables that influence the rate. So, my standard answer to the "What's my rate?" question is: It depends.

It depends on things like credit score, employment history, and mortgage or rental history. It depends on the value of the home, your debt to income ratio and the loan to value. It depends on what the stock market is doing and how the 10 year note reacts to the market. So you see how hard it is to accurately quote a rate without knowing all the facts. So, it depends.

We would rather take five minutes, ask the right questions and give an accurate answer, than give an undeliverable rate. We are so confident in our abilities that we offer a "Closing Cost Guarantee." This guarantees you receive that rate we quote and guarantees the closing costs within 5%. It is the best guarantee in the industry.

By starting the loan process correctly, from the very first question, and maintaining that high level or standard through the entire loan process, we have achieved an impeccable closure rate for the past three years. From 2004 to 2007 we have closed 99.9% of all submitted loans. All from the simple phrase, "It Depends."

Give me a call and let's do a check up from the neck up and review your mortgage status today.

God Bless and have a very Happy Thanksgiving.

Nick Radziseski

Many of my friends and family have inquired about all the news they are seeing regarding declining property values.  

The fact is that in many areas here in Florida and across the country, property values are declining.  This was bound to happen since we had such an incredible increase over the past few years.  The good news is that most of the decreases we are seeing don't come close to erasing those big gains.

I am recommending that if you have been thinking of refinancing in order to consolidate a 2nd mortgage or other consumer debt, don't wait.   Some clients have waited and either cannot do a refinance because of the drop in value or end up having mortgage insurance (an additional monthly cost that lenders require when your value is over 80% of the property value).

We are happy to review your situation, check on property values and see if we can help improve your financial situation.   We are here to serve!

Wishing all of you a Happy Thanksgiving!

Ralph Kay

As your mortgage professional here in the Tampa Bay area I felt many of you would be interested in my take on this subject.

The following are a few reasons why I feel it is the right time to purchase:

1. Rates are still incredibly fantastic (30+ year lows)

2. With so many homes on the market you can negotiate and get a ton more for your money, up to and including all of your closing costs paid.

3. Home values have corrected downwards from their excessive highs.

4. We are at the bottom of the downturn. (Waiting too long can cause you to lose out)

5. With so many national and local lenders going out of business over the past year, our services are critical so that your loan is placed with a stable lender.

We work with top notch professionals in the real estate industry to assist you in your search and acquisition of a new home.  Your best interest is always our top priority and the reason we are still in business and growing.

My promise to you is that you WILL be happy with our services before, during and after your loan is completed.

As your mortgage professional here in the Tampa Bay area I felt many of you would be interested in my take on this subject.

The following are a few reasons why I feel it is the right time to purchase:

1. Rates are still fantastic (30+ year lows)

2. With so many homes on the market you can negotiate and get a ton more for your money, up to and including all of your closing costs paid.

3. Home values have corrected downwards from their excessive highs.

4. We are near the bottom of the downturn. (Waiting too long can cause you to lose out)

5. With so many national and local lenders going out of business over the past year, our services are critical so that your loan is placed with a stable lender.

We work with top notch professionals in the real estate industry to assist you in your search and acquisition of a new home.  Your best interest is always our top priority and the reason we are still in business and growing.

My promise to you is that you WILL be happy with our services and the loan you recieve.

With Best Regards,

Ralph S. Kay, President

Integrity Mortgage Associates, Inc.