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NEWS FLASH! Treasury Department gives Tax Credit for First-Time Home Buyers.. Credit Offers Up to $8,000 to Qualifying Taxpayers…

This tax credit is available for qualified buyers who on or after January 1, 2009, and before December 1, 2009, purchase a qualified principal residence. The buyer does not have to pay back the credit if he/she resides in the home for a minimum of three years immediately following the purchase date.

We have First Time Buyer Programs that have Great Low Interest Rates, some with Little or NO Cash Out-of-Pocket!

At Central Mortgage Professionals, “We make every effort to give consumers the necessary information to make important financial decisions for their families.”

Frank Castiglione has a dedicated support Team of Experts that assists him throughout the entire process and making every effort to complete your loan Fast & Easy.

Experience the Difference:

I’m committed to delivering impeccable service for your home financing. My goal is to make the loan process as simple and worry-free as possible. From our first point of contact, my focus is helping you find the loan program that meets Your needs! By putting You First, I assure you a pleasurable transaction, by giving you 110%… 100% of the time!”

With lending guidelines changing almost daily, it’s imperative that you receive expert mortgage advice.

Professional Experience: 7+ Years Finance & Credit
Very Competitive Rates: We Can Beat Most Other Lenders and Banks!
Loan Programs: We are a Correspondent Lender with Many Loan Programs & Options!
Fast & Easy: We are Fully Automated with Most Loans Approved Same Day!
Customer Service: This is our Number One Priority! We are committed to customer satisfaction.
Responsive and Accessible: Available 7 days a week, 24 hours a day!

If you can imagine it, we can do it. FHA, VA, USDA, Conventional, Jumbo — and dozens of other ways to help you unlock the doors to your new home.

Before you even start home shopping, get pre-approved by our mortgage professionals. You’ll have the clout of a cash buyer. You’ll know how much you can afford and be well on your way to the mortgage program that’s right for you as soon as you make the offer!

If you own a home and are just looking to refinance, get a second mortgage or cash out equity, you’ve come to the right place! There are almost as many loan programs as there are home owners. We’ll help find you the right one. You can pay down your balance faster, consolidate high-interest revolving debt, or cash a check to use toward your dream vacation, home improvements, college tuition — anything you can think of!
Browse our website to learn about our programs, what you’ll need to apply, how easy it is to pre-qualify, and how we help find the loan that’s right for you.

Testimonial:

“Hey Frank thanks for everything. You have been awesome and working with you has made this whole experience so easy and trusting. We appreciate all your dedication and hard work. We are so glad to have you in our lives.”

The Vargas’s

Thank you for your business!

CENTRAL FLORIDA MORTGAGE PROFESSIONALS
Phone: (863) 604-4461 Fax: (866) 552-7481 E-mail: BESTRATES1@VERIZON.NET

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Assistance is available to borrowers that have complaints against their lenders for violating the Truth in Lending Act and other laws regulating loan transactions. Violations such as these could be a defense against a mortgage foreclosure. Should there be a violation, it may be possible to void the mortgage and apply all of your payments to the principal. It is also possible to repayment of financial damages. Look for more foreclosure information at http://www.loan-modification-masters.com.

Should you answer yes to any of the questions that follow, please seek out a professional auditor to review your loan papers (include collection and demand letters, correspondence, along with any account histories or monthly statements).

1. Has your loan been refinanced more than necessary? Was your most recent refinancing within the last three years? A common predatory practice is “flipping,” which involves repeatedly refinancing a loan without a benefit to the borrower, in order to profit from high origination fees, closing costs, points along with other fees consistently eroding the borrower’s equity in his or her home.

2. Did you have an increase as opposed to a lowering of your interest rate upon refinancing?

3. Do you pay an interest rate in excess of 9.5%?

4. Was the loan obtained to pay for a home improvement project that was not done well or not completed at all?

5. Have you had problems with the mortgage company regarding untimely posting of monthly payments? Sudden increases in payments? Have they tacked on fees to your balance for insurance, “property preservation,” or other “advances”? Does the principal amount never appear to go down?

6. Did it seem you were slapped with high closing costs on the mortgage?

7. Did the mortgage company alter the terms of your contract to your detriment at the last minute before the closing?

8. Did your loan broker get paid by the lending company? (look on the HUD-1 Settlement Statement for a “premium” or POC (paid out of closing) “YSP” or “yield spread premium”)?

9. Did you get an ARM, are the adjustments done improperly? Are you able to tell if the adjustments are correct or not?

10. Is there a prepayment penalty written into the loan?

11. Has correspondence with the mortgage company been unanswered? (Mortgage companies have a legal obligation to answer complaints and requests for explanations of accounts. Often they don’t. Each instance could entitle you up to $2,000. If your claim against the mortgage company exceeds the number of monthly payments you supposedly missed, the mortgage company may not be able to prove that you are in default.)

12. Have each of the collection correspondence sent to you by debt collectors comply with the Fair Debt Collection Practices Act? You could receive up to $1,000 and more if they did not.

13. Were you given your copy of the loan documents at the closing? That would be as opposed to them being mailed to you later, or did the closing representative provide you signed duplicates at all?

14. How was the closing conducted, at your home, in another town or through the mail?

There is a frequent assumption that lenders do not want to foreclose and handle real estate. While not all lenders are scavengers by nature, there are some that are. In fact there is an increasing number of predators that buy bad debts, including mortgages, for a pennies on the dollar of their value and try to enforce them. Such entities profit by foreclosure.

Fortunately there are foreclosure programs that can help those who have been victimized by predatory lenders. You can see one of the best at Loan-Modification-Masters.com. They offer a no cost evaluation to determine if you qualify for a loan modification along with a 100 percent money back guarantee that they can negotiate you a loan modification to make your payments fit your budget better.

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Ever thought of how large corporations can file bankruptcy and still hold on to their assets? Faced with bankruptcy, you will notice large amounts of layoffs happening and prices of their products will go up, at the same time the corporation continues to function – even thrive in a small amount of time. How does all this come about? They are supposed to lose their shirts after declaring bankruptcy, yet they seemed to have no lose at all. It can happen with the help of Houston bankruptcy lawyer. In truth, more and more corporations have taken this route and managed to put a stay on the foreclosure of assets such as land and property and continue to run a business just like every other day. Perhaps you are in need of a Houston stop foreclosure company for advice.

Recent studies have realized new opportunities to this kind of thinking. In reality it is an old term that recently came back in the midst of the today’s economic slowdown. Rather than putting|Instead of totally giving} up on your assets to foreclosures, with the help of a Houston bankruptcy attorney, one can file for chapter 13 bankruptcy. This legal action automatically stops any foreclosure proceeding but you will still have to make good on any back mortgage payments. One thing good about this setup is that you pay these back mortgage payments under your own terms. Although, all your proposals will have to go through the same process of approval by the mortgage lender, chapter 13 automatically imposes a deferral of action of your bankruptcy case. You are able to sustain this status quo for as long as you keep up on your part of the agreement and your mortgage holder is never able to repossess your home. Your bankruptcy lawyer should be able to steer you patiently through the entire procedure. This means that your properties are safe from foreclosure for as long as you are paying mortgage and the foreclosure is effectively put on hold.

Once you take this route of using chapter 13 bankruptcy to save your property from foreclosure, your bankruptcy attorney will explain the issues that will arise for taking such an action. If you miss a payment on your home mortgage, it would mean that you will not qualify under this option for a long time. Chapter 13 is ideal for those people or corporations who have had a momentary financial debacle due to some fortuitous events but expect to return on track in due time.

This approach basically buys you time in order for you to straighten up your finances and wiggle out of this financial bind you are in at the present time. It usually means that you have a good repayment plan of your back mortgage payments under your own terms, which is the best option considering your situation.

Your bankruptcy lawyer will offer you some sound advice on how you can go about the whole procedure in order to put you in a better position in making a financial rebound. If you are successful with the procedure, you can even eke out some form of settlement with regards to a portion of the penalty levied on your mortgage loan. Don’t be surprised if you must prove certain financial before finally getting your proposal approved by your mortgage lender.