Brian every thing you said was right on the money. You look better – you seemed so stressed out over the confirmation hearings….Politics is a whole new game my friend with twitter, instagram, facebook, and the like. Politicians are people who want their 15 minutes of fame and think they know more than the American people. They want a pension that will never go away. I think we need to cut that stuff off. You get whatever you put into your pension and the American people are off the hook.
just another sign that the ones who control guidelines, AUS, Interest rates, “new” programs, local/state politicians who love that tax dollars, are willing do anything to keep the bubble propped up. the titanic was unsinkable until it was sinking. PACE loans, small fish in big pond, keep your eye on high balance FHA, that program will be the death nail for FHA. losses will mount. mark my words it will not end well, people that should never bought a home coupled with a home that should have never been valued at that price.
You completely ignored the savings from energy bills that offsets the payment therefore there is effectively no payment….so no harm to anyone and possibly a small savings and good for the environment too. Agreed that if you pay cash for energy saving upgrades and solar it is a much better deal with a greater savings but you have to also factor in what return you could have had if you invested that cash money into investments with say a 6% average return then you it is a wash. Again…no harm no foul and helps the environment to boot.
There are ways to get HELOCs up to 90% LTV these days for ZERO Cost. HELOCS are free with annual fees of $75/yr (typically). The HERO/PACE program costs are $2k+ in loan fees. If you analyze the APR, it makes much more sense today to do a ZERO Cost HELOC!!
Get your facts straight. PACE now can’t be offered in CA without a disclosure modeled after the ones the Consumer Financial Protection Bureau requires for mortgages, even though they average like only $20k. And on lien position, only the back taxes are due before the primary mortgage holder gets paid – NOT the whole PACE amount. Let’s fight for real estate professionals. Not shill for bankers.
The HERO and Ygrene PACE loans were a result of FHA, VA, Fannie Mae, and Freddie Mac not allowing them to be on title.
There have been major changes by FHA, VA, Fannie Mae and Freddie Mac that will now help homeowners finance energy improvements or even refinance their current loan to reduce their rate and payment.
Hi, I’m Isabella Palmer and I would like to talk about something that has been of great help to me, my family and my company. Few months ago my company suffered a great loss that i couldn’t help it, I was at the verge of loosing my house and my company due to bad credit and unpaid loans. I became so desperate that i didn’t know what to do to save the situation, I couldn’t get a loan from banks and other financial institution due to my bad credit. Then i set out to Seek funds online, where I got scammed of $6,300 by two different lenders. Until I read about Swift Credit Plc. where i got a loan with no stress. I now have my company back in production more than ever and my credit settle. You can as well reach them at: swiftcreditplc@yahoo.com or call/ text: +1(510)455-3411, for more Information. All thanks to God almighty and the management of Swift Credit Plc for making this come through. I am sharing this experience so that everyone who are in need can be a part of it
We are one of the America, Europe, Asia and Africa Private leading Investment Company that offers soft loan.
Do you need business loan, personal loan, agricultural loan or project funding?
We have good news for you. We are financially capable to grant you loan once you meet our requirements.
For more information, please contact me via this email: janetwilliams906@gmail.com or whatsapp number: +1 323 451 1894
We are a private lending company located in Texas, USA. We are looking to lend funds to individuals/companies that make returns at the interest rate of 4% and the maximum duration of 20 years.
Minimum Funding: $50,000
Maximum Funding: $40,000,000
Please let me know if you will be interested in our service.
I’m Saara Kemi a private loan lender, you are looking for a business loan, personal loan, home loan, car loan, Xmas loan, student loan, debt consolidation loans, unsecured loans and venture capital? If you have been refused a loan by a bank or a financial institution from one or more reasons. You are in the right place for your loan solutions, we give loans to all persons within the range of 2,000 minimum to maximum 100 million within 1 year to 30 years repayment duration period to any part of the world. Please contact me for more information by e-mail: saara.kemi@gmail.com
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Brian every thing you said was right on the money. You look better – you seemed so stressed out over the confirmation hearings….Politics is a whole new game my friend with twitter, instagram, facebook, and the like. Politicians are people who want their 15 minutes of fame and think they know more than the American people. They want a pension that will never go away. I think we need to cut that stuff off. You get whatever you put into your pension and the American people are off the hook.
just another sign that the ones who control guidelines, AUS, Interest rates, “new” programs, local/state politicians who love that tax dollars, are willing do anything to keep the bubble propped up. the titanic was unsinkable until it was sinking. PACE loans, small fish in big pond, keep your eye on high balance FHA, that program will be the death nail for FHA. losses will mount. mark my words it will not end well, people that should never bought a home coupled with a home that should have never been valued at that price.
You completely ignored the savings from energy bills that offsets the payment therefore there is effectively no payment….so no harm to anyone and possibly a small savings and good for the environment too. Agreed that if you pay cash for energy saving upgrades and solar it is a much better deal with a greater savings but you have to also factor in what return you could have had if you invested that cash money into investments with say a 6% average return then you it is a wash. Again…no harm no foul and helps the environment to boot.
There are ways to get HELOCs up to 90% LTV these days for ZERO Cost. HELOCS are free with annual fees of $75/yr (typically). The HERO/PACE program costs are $2k+ in loan fees. If you analyze the APR, it makes much more sense today to do a ZERO Cost HELOC!!
Get your facts straight. PACE now can’t be offered in CA without a disclosure modeled after the ones the Consumer Financial Protection Bureau requires for mortgages, even though they average like only $20k. And on lien position, only the back taxes are due before the primary mortgage holder gets paid – NOT the whole PACE amount. Let’s fight for real estate professionals. Not shill for bankers.
I would love to see comments defending these loans from someone who sells them or anyone who can give us the other side to look at.
The HERO and Ygrene PACE loans were a result of FHA, VA, Fannie Mae, and Freddie Mac not allowing them to be on title.
There have been major changes by FHA, VA, Fannie Mae and Freddie Mac that will now help homeowners finance energy improvements or even refinance their current loan to reduce their rate and payment.
I write an informative article here that explains what options a homebuyer or homeowenr now has ==> http://homeloanartist.com/purchase-refinance-home-fha-va-hero-pace-loan/
Hi, I’m Isabella Palmer and I would like to talk about something that has been of great help to me, my family and my company. Few months ago my company suffered a great loss that i couldn’t help it, I was at the verge of loosing my house and my company due to bad credit and unpaid loans. I became so desperate that i didn’t know what to do to save the situation, I couldn’t get a loan from banks and other financial institution due to my bad credit. Then i set out to Seek funds online, where I got scammed of $6,300 by two different lenders. Until I read about Swift Credit Plc. where i got a loan with no stress. I now have my company back in production more than ever and my credit settle. You can as well reach them at: swiftcreditplc@yahoo.com or call/ text: +1(510)455-3411, for more Information. All thanks to God almighty and the management of Swift Credit Plc for making this come through. I am sharing this experience so that everyone who are in need can be a part of it
Greetings to you,
We are one of the America, Europe, Asia and Africa Private leading Investment Company that offers soft loan.
Do you need business loan, personal loan, agricultural loan or project funding?
We have good news for you. We are financially capable to grant you loan once you meet our requirements.
For more information, please contact me via this email: janetwilliams906@gmail.com or whatsapp number: +1 323 451 1894
Best Regards,
Janetloans & WilliamsMerchant.
Hi,
We are a private lending company located in Texas, USA. We are looking to lend funds to individuals/companies that make returns at the interest rate of 4% and the maximum duration of 20 years.
Minimum Funding: $50,000
Maximum Funding: $40,000,000
Please let me know if you will be interested in our service.
Thank you.
John Wells, CEO
On behalf of;
Wells Investment Solutions
Private Line: +1 213 217 9630
email:john@wellsinvestmentsolutions.com
I’m Saara Kemi a private loan lender, you are looking for a business loan, personal loan, home loan, car loan, Xmas loan, student loan, debt consolidation loans, unsecured loans and venture capital? If you have been refused a loan by a bank or a financial institution from one or more reasons. You are in the right place for your loan solutions, we give loans to all persons within the range of 2,000 minimum to maximum 100 million within 1 year to 30 years repayment duration period to any part of the world. Please contact me for more information by e-mail: saara.kemi@gmail.com