Rates and Recommendation

Does your yard need a Fall Clean Up?  

This week's recommended professional is BENJAMIN SANCHEZ ... Benjamin cleaned up the yard on a Single Family Home for one of my clients - his rates were incredibly reasonable, the work was done when promised, and the yard looked AMAZING!  So I had Benjamin come give me an estimate - for our townhouse -- he cleared our yard front and back, weeded, removed debris, and mulched for $100 (we had the mulch).  Highly recommend him -- call him today -- 571-315-6870.  Tell him BOB SENT YOU!

Rates to stay low ...

Today the Fed announced that they will buy $40 Billion in mortgage backed securities each month providing additional liquidity to the mortgage markets.  They put no end date on this policy. 

The result should be low rates for foreseeable future.

See the CNBC article here

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Bob Rosenbaum, Jr. The Rosenbaum Lending Group Access National Mortgage Phone: (703) 879-5200 Cellular (202) 746-5937 NMLS: # 649782 RRosenbaum@AccessNational.com www.MyTalentedLender.com

Tap Into Google™ Maps Your Personal Chamber Of Commerce The Internet has revolutionized the way we live in countless ways. We are able to access news as it's happening, email friends and relatives all over the world, and purchase anything from cars to vacation packages with a few clicks of the mouse. What's ironic is that we frequently neglect to use this amazing resource when it comes to finding things in our local area. That's where Google™, the world's leading search engine, comes in. Google has produced a search tool, called Google Maps, which you can use to locate anything from an Italian restaurant or golf course to a dentist or CPA, all within a few miles of your home! To access Google Maps, you may go there directly (maps.google.com) or you can click on the "Maps" link at the top of the page at www.google.com. Once there, specify what you are looking for and in which location. You can even select the search radius you prefer, at increments of 1 mile, 5 miles, 15 miles, or 45 miles. One of the many benefits of this tool is that you receive a map with the locations of your search results available for viewing. Click on a map marker, and you can obtain driving directions right away. In addition to the item's address, phone number, and map, Google also provides relevant links and color-coded online reviews when they are available. (Red reviews are negative, green are positive, and yellow is neutral.) Google Maps is available free to local businesses, as opposed to yellow pages in the phone book which are updated annually and charge a fee. Next time you are searching for a local resource, give Google Maps a try. You might be surprised to learn what is in your own backyard! Google™ is a trademark of Google Inc. Do you have a favorite web resource that you would recommend? Please contact me and tell me more about it!

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Bob Rosenbaum, Jr.
Access National Mortgage
1800 Robert Fulton Dr Suite 350
Reston, VA 20191

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Rates from Friday 8/3/2012

Rates remain at all time lows ... For purchase or refinance - here are my rates for today (July 9th) ...

• 3.625% Conventional 30 Year Fixed, No Points
• 3.000% Conventional 15 Year Fixed, No Points
• 3.375% FHA 30 Year Fixed, No Points
• 3.750% FHA 30 Year Fixed, No Points (Loan >$417,000)
• 3.375% VA 30 Year Fixed, No Points
• 3.625% VA 30 Year Fixed, No Points (Loan >$417,000)

Loan assumptions: Loan Amount <$417,000, 25% equity, Credit Score >740, Single Family/TH, Primary Residence, No Subordinate Financing, and No Cash Out on Refinancing.
For loans $417,001 - $625,500 Add 1/2 point for the same rate.
FHA requires minimum 3.5% down
VA Loans are available to eligible veterans with as little as ZERO Down.

Rates are subject to change at any time - This does not constitute an offer of credit - Not all applicants will qualify for the rates above.

EQUAL HOUSING LENDER

Robert F. Rosenbaum, Jr.
The Rosenbaum Lending Group
Access National Mortgage
1800 Robert Fulton Drive, Suite 350
Reston, VA 20191
(703) 879-5200 Direct
(202) 746-5937 Cellular
(703) 891-9815 Direct Fax
RRosenbaum@AccessNational.com
http://www.MyTalentedLender.com
NMLS License: 649782
Company NMLS: 408540

I'm Back - Here's the Weekly Preview ...

Amazing vacation to Alaska ... Incredible scenery ... Lots of pictures ...

In the meantime - here is this week's Market Preview ...

Forwarded exclusively by:	Bob Rosenbaum Access National Mortgage Office: (703) 879-5200 Email: RRosenbaum@AccessNational.com website: www.MyTalentedLender.com
Big enough to compete, small enough to care.
Monday, July 30, 2012
This Week; one of the busiest in months with most attention on Central Banks in the US and Europe. The FOMC meets on Tuesday and Wednesday with the policy statement Wednesday afternoon. It is widely believed in markets that the Fed will start another QE the question at the moment isn’t will they but when. Some believe the Fed will announce an easing move on Wednesday while others are saying at the Sept FOMC meeting. The European Central Bank will meet on Thursday, an even more important event than the FOMC meeting. Last week interest rate markets were rocked when the President of the ECB said in a speech the bank will do whatever it takes to save the euro. Since then Germany and Italy in talks over the weekend sounded upbeat. Last week on the Draghi comments the 10 yr note and mortgage rates jumped; the 10 yr yield up 14 basis point since Wednesday and mortgage rates up 7 to 9 basis points in rates. Adding to the importance of the week; the July employment report on Friday, early estimates call for private job growth of 105K with unemployment rate unchanged at 8.2%. The two key ISM reports also out this week, manufacturing index expected about unchanged at 49.9 and the services sector at 52.2 frm 52.1 in June. Easing from the Fed and the ECB meeting are the dominant focus this week but the data also important. We expect an increase in market volatility this week; technically the US interest rate markets are trading at critical levels.
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Mortgage Rates & Weekly Market Preview 7/9

Rates remain at all time lows ... For purchase or refinance - here are my rates for today (July 9th) ... 

• 3.625% Conventional 30 Year Fixed, No Points
• 3.000% Conventional 15 Year Fixed, No Points
• 3.375% FHA 30 Year Fixed, No Points
• 3.625% FHA 30 Year Fixed, No Points (Loan >$417,000)
• 3.375% VA 30 Year Fixed, No Points
• 3.625% VA 30 Year Fixed, No Points (Loan >$417,000)

Loan assumptions:  Loan Amount <$417,000, 25% equity, Credit Score >740, Single Family/TH, Primary Residence, No Subordinate Financing, and No Cash Out on Refinancing.  
For loans $417,001 - $625,500 Add 1/2 point for the same rate.
FHA requires minimum 3.5% down
VA Loans are available to eligible veterans with as little as ZERO Down.

Rates are subject to change at any time - This does not constitute an offer of credit - Not all applicants will qualify for the rates above.

EQUAL HOUSING LENDER

Robert F. Rosenbaum, Jr.
The Rosenbaum Lending Group
Access National Mortgage
1800 Robert Fulton Drive, Suite 350
Reston, VA 20191
(703) 879-5200 Direct
(202) 746-5937 Cellular
(703) 891-9815 Direct Fax
RRosenbaum@AccessNational.com
http://www.MyTalentedLender.com
NMLS License: 649782
Company NMLS: 408540

Forwarded exclusively by:	Bob Rosenbaum Access National Mortgage Office: (703) 879-5200 Email: RRosenbaum@AccessNational.com website: www.MyTalentedLender.com
Big enough to compete, small enough to care.
Monday, July 09, 2012
This Week; Monday opens with the 10 yr treasury not breaking out of its month-long trading range, the breakout is sending rates lower and should continue to push the 10 yr to 1.47% the reactionary low at the beginning of June. This week Treasury will auction $66B of notes and bonds; 3 yr, 10 yr and 30 yr terms on Tuesday, Wednesday and Thursday. Last Friday’s employment data was so weak that there is now a strong view in markets that the Fed will have to ease again with QE 3. That idea has pushed yields lower along with rate cuts in China and Europe last week. Recent trade has been technically stronger in the MBS markets than treasuries with the 30 yr FNMA coupon breaking into new high prices before the 10 yr note broke through.  The U. of Michigan sentiment index on Friday. Monday, one of our favorite reports, consumer credit, the pulse of spending and credit use. The week doesn’t present much key data; the minutes from the last FOMC meeting will be released Wednesday, weekly claims on Thursday is expected to decline 15K to 360K. Europe remains in the gun sights, last week not much out of the region except the ECB cutting rates. Nothing of substance from Germany, the key to the survival of the EU.
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Practical Financial Tips - 8 Yard Sale Tips and More ...

	Bob Rosenbaum, Jr. The Rosenbaum Lending Group Access National Mortgage Phone: (703) 879-5200 Cellular (202) 746-5937 NMLS: # 649782 RRosenbaum@AccessNational.com www.MyTalentedLender.com

Selling E-Books to Earn Extra Cash With low production costs and little hassle, creating an e-book can help boost your income and reputation. By Lisa Gerstner, Kiplinger.com Tara Jefferson spent a year and a half on a book proposal for traditional publishers before she decided to just write the book. Last May, she produced an e-book titled Make It Happen: The Young Mommy Guide to Creating the Career You Crave using Amazon's Create­Space, at no cost. Jefferson, 26, has sold some 650 copies, pocketing about $840. "It exceeded my expectations," she says. As e-books become mainstream, authors are taking advantage of low do-it-yourself costs. Self-published titles at e-book publisher Smashwords more than tripled in 2011 to 92,500, up from 28,800 in 2010. Anyone can create a digital book free with such publishers as CreateSpace, Lulu and Smashwords. You'll keep a percentage of your sales, often in the range of 60% to 90%; the publisher or distributor takes the rest. If you're serious about selling, invest in professional design, editing and marketing, says Mark Levine, author of The Fine Print of Self-Publishing. Basic services from self-publishing sites or outside sources run as little as a few hundred dollars. Top-of-the-line serv­ices could run $10,000 to $20,000. Be aware that you may not recover your costs. Jefferson, who is making a career of writing for young mothers, has widened her circle of connections and landed speaking gigs. And successful self-publishers sometimes snag traditional publishing deals. Reprinted with permission. All Contents ©2012 The Kiplinger Washington Editors. Kiplinger.com. Eight Yard Sale Tips The weather is getting warmer, which makes this a great time of year to hold a yard sale. Here are eight tips to help make your yard sale a success: Start your yard sale earlier than other yard sales in your area so shoppers will start their shopping day with you. Don't schedule your yard sale on a holiday weekend or during a big event in your area (like a sporting event or festival). If it rains, consider taking down your signs and rescheduling your sale so you can maximize traffic on the day of your sale.		Before your own yard sale, visit other sales in your neighborhood to get an idea of typical prices. Place all of your items (except for large items) on tables so shoppers don't have to bend. If you plan to sell electrical items, have an outlet and extension cord handy so you can show shoppers that the items work. If you want to sell larger ticket items, look for those items in a local circular and then attach the ad to your item so shoppers can see that they are getting a great deal. If you have a variety of items that men would like, place them on their own table. And remember, a successful sale is also a safe sale. Keep money in a pouch around your waist instead of in a cash box (which could get stolen while you are helping shoppers), don't accept checks (which could bounce), and never allow strangers inside your home to use the bathroom or telephone. Got Rewards? These days, there are many different types of credit card rewards out there. Here are a few things to keep in mind when deciding which is best for you. Airline Miles: If you travel frequently, then maximizing your airline miles may be the very best reward. And if you primarily fly on a single carrier, you will do the best to take their affiliated credit card, as they typically offer 'bonus' opportunities to earn extra miles. Cash Back: There are several items to consider when focusing in on cash back cards, most importantly being the fine print. For example, some cards have tiers – which means, you won't earn the most cash back until you reach a certain amount of spending for the year. Store Cards: Cards issued by particular merchants can be some of the most valuable cards if you are a frequent shopper at that store. Points Cards: Many rewards cards offer general purpose points that can be redeemed for a wide variety of items, including airline miles, cash back, gift cards from a variety of places, gifts to charity or simply merchandise. These cards can be very beneficial due to the flexibility that they offer.

All loans subject to credit approval and property appraisal. Programs, rates, and terms subject to change without notice. For ARM loans, rate may increase after settlement. Prequalification is not a commitment to lend, a condition of loan approval, or an application for credit. Pre-approvals will result in a loan decision subject to conditions. Consult a tax advisor regarding the deductibility of interest.-- a division of Access National Bank