Have you ever had anybody give you the advice that you should start a Roth IRA? That very same advice has come to me a fair number of times. The topic seems to come up at every business mixer I go to. All for the good, but it took me a long time to get in gear and get my Roth IRA started.

I thought about starting a Roth IRA occasionally over a long time before I did something about it. I think many people just think about it briefly – like I did – then dismiss the idea or something else gets in the way that keeps them from taking action. For me, it’s like anything else, when something seems like it will take a lot to get started I don’t do it. Other times I get hung up on the unknowns and decide that it is not worth my time.

But wait a moment. Let’s slow down a bit, and consider this: 2 reasons why you should start a Roth IRA.

Before I go any further, allow me to offer that a Roth IRA is simple to get started. Sure, I realize your embarrassment about calling your financial planner after all these years and asking for help. What you say is true, I agree, but still it is worth the time to pick up the phone to make the call to get the paperwork for your IRA rolling.

The first reason for starting your IRA is that the future ramifications of starting an individual retirement account are huge. In the case that you are serious about making contributions on a annual basis you can save a lot of money by the time you reach retirement.

Second, there are tax free and penalty free instances where you can access your IRA to pull money out. One instance is the case where you are buying a home as a first time buyer. A second instance is in the event that you need some financial help in the event of a serious medical setback.

Think this through seriously for just a moment: adding to your financial security in retirement and access to extra cash in certain instances without penalty. Perhaps you actually should talk to your financial planner first instead of listening to me. I finally did and I started my Roth IRA shortly after.

Two Reasons to Start A Roth IRA – Retirement and Buying a Home is a post from: mesa-az-mortgage.com

Some news today about discounts.  Who doesn’t love a discount?  For me, discounts are as good as a delicious treat!  So delightful and such a bonus!  Anyhow, back to the discount… Fannie Mae is providing a 3.5% discount to those purchasing a real-estate owned property listed as part of its HomePath division, as stated in www.housingwire.com . Properties that go back to the bank after an unsuccessful auction are Real-estate owner properties (also known as REO). 

What can this discount be used toward you are wondering?  Good question, I was anxious to know too.  The 3.5% discount can be used toward Mesa AZ Mortgage  closing costs (and any other city) or your choice of appliances.  Sometimes those types of expenses are overlooked or forgotten so this assistance is great!  The discount is good until May 1, 2010. Their goal?  “Attracting qualified buyers to the market and reducing the inventory of vacant homes is critical to stabilizing neighborhoods and helping the market recover,” said Terry Edwards, executive vice president of Fannie’s credit portfolio management, in a statement. “Many families are taking advantage of the federal homebuyer tax credit to buy a new home so this is a great time for Fannie Mae to offer some additional help.” (www.housingwire.com)

Properties that are eligible and can utilize this discount are listed on homepath.com (where the new discount is proudly displayed).  You can find all sorts of goodness on this site along with property information and descriptions.  There are plenty of pictures and information about the homes. 

Start your search!

Photo: © Lisa Heuer Photography

A Fannie Mae Discount on Purchases is a post from: mesa-az-mortgage.com

As the credit crisis works its way into the third year, one thing has become clear for anyone wanting to get a mortgage: it is harder now to get a loan done than it was just a few years ago.

Because guidelines are getting tougher and there aren’t as many mortgage companies to service clients in the current market, it is tougher than ever to get a loan done fast.

Except for us!

We are still able to get loans closed in ten days and that is only one reason that our clients love us. We are able to close your loan in ten days because we have:

• In house processing
• In house underwriting
• In house doc drawing
• In house methods of managing the appraisal process that adhere to HVCC guidelines
• Stellar title partners

All of these things add up to one thing:

We can close your loan faster and better than anyone else.

So the next time a loan officer tells you that it will take 30 days… or 45 days… or 180 days to close your loan, be sure to give us a shot.

Because we can get your loan closed in 10 days.

Guaranteed.

How Long Will It Take To Close My Loan? is a post from: mesa-az-mortgage.com