Security America Mortgage, Inc. recently announced new VA Mortgage Loan microsites which were launched in the effort to provide VA Home Loans and VA Services to military members buying a home in Miami. Now more than ever, all military veteran members moving to Miami, or relocating to areas close to the nearby military bases can be sure to find everything they need to know.

There are many topics that a veteran could benefit from learning more about when they are actively searching for a home in the United States. Security America Mortgage covers many topics that include but are not limited to; Guides to the VA Home Loan Process, Descriptions of VA Mortgage Loan Services, Qualifications for Jumbo VA Loans, Detailed Investment Purchasing Options, Loan Underwriting Entitlements, and Basic Information over Mortgage Industry Products, like FHA Home Loans and Conventional Home Loans. Topics like these make questions like “What is a VA Loan” way so easy to understand that after leaving a Security America Mortgage, Inc. website, you feel like your are a VA Loan Industry Expert yourself!

For innovative mortgage lending companies like Security America Mortgage, Inc., who specialize in VA home loans, traditional loans, and real estate property services, military individuals purchasing a home anywhere in Texas, Florida, Louisiana, Arkansas, Oklahoma, North Carolina, and Colorado are lucky to already have the opportunity to experience the most attentive VA loan services in the nation.

Advanced military suppport on the technical and internet side of things is just one of the reasons why the VA Loan Process is now so much easier for military service members buying a home in 2012. Now cities and states can also find personalized services on the web pertaining to everything, from getting a San Antonio VA Refinance Loan to locating Texas VA Centers that can help with VA Regional Services. Also, since each new website going forward for other states will be molded to fit the needs strategically in the remaining locations of interest, Security America Mortgage’s VA Loan Specialists only intend of the experience becoming better. “It is a real honor to support the lending services side of the VA home loan process. Being able to provide the lowest rates for the American Heroes wanting to purchase their dream home in 2012 is just one of the perks of being a VA Loan Originator”, said Jason Noble from the corporate headcourters in Houston, Texas.

Recently, the 2012 VA home loan calculations were changed for lenders offering VA loan services for veterans. So, how will this new calculation limit your VA loan amount? Well, for starters, all states in the U.S. (except the few exceptions listed under the VA Loan Limits of 2012 here) the 2012 VA Guaranty Loan Limit amount is up to $ 417,000.00. This is the true ?VA Guaranty? amount for Texas and Florida cities, from McAllen, TX to Jacksonville, FL. This “guaranty” insures the VA home loan in any event that the military member cannot pay their monthly mortgage payment for any reason. Why is this a good thing? One main reason is because the credit score will play less of a role for veterans who want a VA Home Loan as opposed to an FHA Home Loan or Conventional Home Loan. Basically, it’s much easier to qualify for a VA loan than any other loan. Period.

There are several other reasons you can get more money on a home loan using a VA Home Loan, which are; the VA does not actually provide the VA loan to the home buyer, the lender (mortgage company) does. The interest rate cannot go over a certain amount because it is regulated by the Department of Veteran Affairs. This is why companies like Security America Mortgage, Inc. who already support low mortgage rates, on VA loans they can offer the best deal available, especially when compared to FHA Home Loans. For Veterans buying a home in 2012, calculations have also changed, enabling the goal to give American Heroes the ultimate American Dream of owning the perfect home.

Many military members may say, “that’s all great news, but how do you know if you are eligible?” The answer to that common question is easy because the chances are, YOU ARE ELIGIBLE. To confirm eligibility, the very first step to get a pre-approved VA Home Loan is to fill out the Certificate of Eligibility form, which is descibed in detail for veterans under the COE & VA Loan Requirements webpage. The next step would be to Contact a Home Loan Expert who will be happy to assist you along the way to getting approved is the second step to this process. The rest of the VA Home Loan Process is history in the making!

Would you like to know more about Our Team at Security America Mortgage, Inc.? Create your VA Home Loan success story!

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Clopton Capital, a secondary market commercial real estate lender which provides commercial loans for income producing properties nationwide, is announcing they are actively looking for Fannie Mae and FHA commercial mortgage funding opportunities for multifamily and senior housing properties nationwide.

The commercial finance firm is seeking funding opportunities for Multifamily and senior housing owners and operators that are looking for long term fixed rate loans for the acquisition or refinance of applicable properties.?We are trying to originate as many funding opportunities as possible for Fannie Mae and FHA execution while rates are at historical lows.? Says Jake Clopton, founder of Clopton Capital. ?Multifamily and senior housing property owners and operators have a tremendous opportunity to take advantage of the long terms low rates offered by these programs.? Being a correspondent to several approved and preferred Fannie Mae and FHA conduits, the company is able to quickly move applications and loans to closings faster than borrowers simply getting in line and waiting for their turn.

Clopton Capital ranks as one of the most active and dynamic commercial real estate finance firms providing lending options nationwide for income producing properties. Offering commercial mortgages, construction loans, bridge loans, and CMBS loans to borrowers for a diverse range of property types and ownership structures, Clopton Capital has the capability to meet almost any lending needs of property owners and managers.

For more information contact a loan officer by calling 866-647-1650

http://cloptoncapital.com

The LepLap Institute, a sister company of Lepizzera & Laprocina Title & Escrow which is a nationally renowned short sale negotiation firm, has announced the formation of the Certified Distressed Property Lender designation. Since 2007, along with closing over 2500 short sales, Lepizzera and Laprocina (LepLap) has educated thousands of Real Estate Agents across the country regarding the proper short sale process as it pertains to their client needs.

At the request of their family of Real Estate Agent clients who have gone through their Short Sale educational programs, they have formed The LepLap Institute. The LepLap Institute was founded in order to educate Mortgage Professionals regarding the Short Sale process and the distressed property market. Real Estate Agents have made it clear that they would prefer to work with Mortgage Originators who understand the anatomy of the short sale process and can add substantial value throughout the entire short sale transaction.

?We are trying to help educate Real Estate professionals, both Agents and Mortgage Originators, on the proper short sale process. It is our hope by doing so, we can help an abundance of distressed property owners and make a substantial difference in our communities,? said Chris Reale Co-Founder of The LepLap Institute, ?one thing that has permeated the distressed property industry, specifically short sale transactions, is the need for Mortgage Originators that understand the short sale transaction from not only the origination perspective but, understand the complete anatomy of the short sale process. We think the CDPL Curriculum accomplishes this.?

The CDPL program is a training, examination, certification and ongoing membership program for mortgage professionals that would like to enter the world of distressed property financing with a focus on financing short sale transactions. CDPL Members have gone through the following intense educational curriculum, which is comprised of 5 different educational topics:

1. Real Estate and Distressed Market Commentary and Statistics

2. Understanding the Anatomy of the Short Sale from the Realtor and Buyers perspective

3. The Proper Short Sale Submission Procedures

4. The Mortgage Originators Role in the Short Sale Process

5. Mortgage Originator Team Building and Distressed Property Marketing Concepts

About Lepizzera and Laprocina

Lepizzera and Laprocina is a multidimensional organization comprised of three different corporations, Lepizzera and Laprocina Counselors at Law, Lepizzera and Laprocina Title and Escrow and The LepLap Institute. The LepLap Institute is a Real Estate Educational organization dedicated to providing Real Estate and Mortgage Professionals with relevant and timely educational information. The LepLap Institute is also the issuer of the Certified Distressed Property Lender designation.

Same Day Payday Loan has introduced a new phone number that allows customers to apply for a payday loan without needing to go online. This addition to the site?s ?Contact Us? page gives customers the option of applying for a loan via phone if they are uneasy giving out their personal and financial information online, simply prefer to talk to a live person and conduct their business over the phone, or just cannot get access to the Internet. With the new number, prospective cash advance borrowers can easily and conveniently apply for a payday loan 24 hours a day.

?This new phone number enhances Same Day Payday Loan?s commitment to helping customers through difficult financial situations,? says Same Day Payday Loan spokesperson Michael Vaughn. ?By providing customers with greater access to payday loans, we are ensuring that our customers can pay their bills on time, avoid late rent or mortgage payments, and cover unexpected expenses and bills. Customers can also apply for a loan safely and easily over the phone without worrying about identity theft or other privacy issues.?

Many applicants who apply for a payday loan are looking for a way to pay for emergency expenses while they are between paychecks and short of cash. A same day payday loan is most often the only solution customers have to get the money they so urgently need. This short-term type of loan is available to customers regardless of their past credit history, and they can apply for a loan without needing to present any credit score. Like customers who apply for a loan online, phone applicants can receive their loan within 24 hours via direct deposit into their checking account.

To be eligible for a payday loan, interested applicants must be either citizens or legal residents of the U.S., 18 years of age or older, currently employed with at least 90 days on the job, and earning a monthly an income of at least $ 1,000 after taxes. Customers must also provide a valid email address, as well as home and work phone numbers. Additionally, they must have a checking account in their own name and provide their account information during the call if they are applying over the phone. Customers are advised to have all of their relevant information ready when they call to apply.

Same Day Payday Loan has added its new telephone application option as part of its overall effort to improve customer relations, provide top-quality customer service, and open access to payday loans to a greater pool of customers.

FHA loan rates have stayed relatively steady, and below 4.000% on average this week, though fees on these government backed loans are set to increase later this year, according to mortgage rate research website, ForTheBestRate.com. In December 2011 Congress voted to offset the expense of a payroll tax extention with an increase in mortgage fees for conventional loans sold to Fannie Mae and Freddie Mac, and for FHA loans backed by the Federal Housing Administration.

For FHA mortgages the additional fee will be in the form of a 0.1 percentage point increase in the mortgage insurance premium paid by mortgage holders. The FHA has yet to release information on when the fee increase will take place, and as of Friday, January 27th average FHA mortgage rates remained in the 3 percent range.

Rates as low as 3.750% (APR: 3.751%, Points: 0, Fees: $ 10, Lender: Atlantic Mortgage and Funding, Inc.) were posted on ForTheBestRate.com for a 30 year FHA loan. For an FHA loan with a 15 year term advertised rates went as low as 3.250% (APR: 3.403%, Points: 0.375, Fees, $ 1345, Lender: CloseYourOwnLoan.)

Though the fee increase is small, it will mean a slightly higher payment for new FHA borrowers after it goes into affect. Current FHA mortgage holders will not be impacted, nor with those who close their loans before the implementation of the increase. If an existing FHA loan is refinanced into a new Fannie Mae, Freddie Mac, or FHA mortgage after the fee rises it will be in place on the new loan.

“An increase of $ 10 to $ 20 per month probably isn’t going to make the difference of someone qualifying for a loan, or change whether it’s affordable,” said Shaun Hamman, VP of Residential Lending at American Financial Resources, a National mortgage lender, about the likely addition to a monthly FHA mortgage payment following the mortgage premium rise. “But with rates as low, or close to as low as they have ever been, and some additional costs on the horizon, it is certainly advisable to consider an FHA refinance or purchase loan now rather than waiting if it fits into a home owner’s or potential home buyer’s plans,” he continued.

Current mortgage rates for a number of different residential home financing programs can be viewed on ForTheBestRate.com. Below is a snapshot of mortgage rates for a variety of products listed on the site on 01/27/2012. Rates are subject to change. Please visit the site to view the criteria used in the survey.

30 Year FHA Mortgage Rates (0 Points)

EverBank – 3.750% Note Rate, 3.822% APR, $ 1750 Fees in APR

Atlantic Mortgage and Funding, Inc. – 3.750% Note Rate, 3.751% APR, $ 10 Fees in APR

15 Year FHA Mortgage Rates (0 Points)

New American Mortgage – 3.250% Note Rate, 3.351% APR, $ 1395 Fees in APR

CloseYourOwnLoan – 3.250% Note Rate, 3.403% APR, $ 1345 Fees in APR

30 Year VA Mortgage Rates (0 Points)

New American Mortgage – 3.750% Note Rate, 3.768% APR, $ 450 Fees in APR

AIG Bank – 3.750% Note Rate, 3.797% APR, $ 1150 Fees in APR

15 Year VA Mortgage Rates (0 Points)

Seckel Capital – 3.500% Note Rate, $ 3.500% APR, $ 0 Fees in APR

About ForTheBestRate.com

ForTheBestRate.com is a website that offers information regarding mortgages, insurance, and personal finance. ForTheBestRate.com is owned by CMG Equities, LLC based in Wilmington, North Carolina.

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Comprehensive capital provider RED CAPITAL GROUP, LLC (?RED?) recently structured a $ 7,500,000 tax-exempt bond financing for the construction of Franklin Station, a 100-unit apartment property in Columbus, Ohio which will serve elderly and special needs homeless persons. The sponsor of the project is the Columbus Metropolitan Housing Authority (?CMHA?).

The project enjoyed broad support at both the county and state levels, as it had a number of components including an allocation of 4% low income housing tax credits, and it also utilized Red Capital Markets, LLC?s (MEMBER FINRA/SIPC) proprietary Bonds DirectSM structure, whereby the bonds are issued on a staggered basis to align with construction needs of the project. As construction advances are made, coinciding increments of bonds are issued and then purchased directly by related entity Red Capital Partners, LLC, which uses its own capital to facilitate the multiple funding requests.

Joseph R. Hague, Red Capital Markets, LLC?s lead banker on the transaction said, ?Bonds Direct is an efficient way for the project owner to both access 4% LIHTC?s through bond issuance and reduce transaction expenses including negative arbitrage expenses. It is a creative solution that can mean the difference between getting a deal done or not.?

Financing for Franklin Station was finalized in February 2012, and a Groundbreaking Ceremony recently was held on March 16, 2012 in Columbus, Ohio. Other transaction participants included the Federal Home Loan Bank (grant provider); Ohio Capital Corporation for Housing (tax credit syndicator); Franklin County, Ohio (bond issuer) and Ohio Housing Finance Agency (tax credit allocation).

The Federal Reserve is the largest single owner of U.S. debt, approximately 1.63T. China is the largest foreign owner of U.S. debt 1.4T. Both are bad for American people, the former threatening inflation, and the latter eroding national security.

?Debt is a transfer of accumulated wealth from someone to someone else. New money is wealth created from scratch. New money makes old money worth less. As people rush to get the old money before it loses too much value, those words can fuse into ‘worthless’,? says Paul Solman of PBS NewsHour.

?Borrowing from foreign governments and selling Treasuries to the Federal Reserve directly are not sustainable options for the U.S. economy. As a nation we must find another way to finance our public debt. The U.S. has an agreement with Taiwan that if it were attacked by China, America would defend Taiwan. If that were really to happen, America would have to borrow from China to fight China. Good luck with that? says Faust.

The proposal submitted by Restore Mortgages to The White House and Federal Reserve is the third option requesting implementation. The 0% percent mortgage loan allows a domestic entity (Restore Mortgages) to purchase mortgage notes from banks and U.S. Zero Coupon Treasury Bonds from investment banks creating a double collateralized asset. ?The coupling of 48 million mortgage notes (number of homeowners with a mortgage) with Treasury bonds, allows for massive quantities of public debt to be purchased by private domestic wealth source. This protects our economic national security as wells as provides an additional buyer of U.S. Treasuries helping to keep the Federal Reserve from purchasing them directly, curtailing inflation? says Faust.

According to the Federal Reserve Bank of San Francisco in 2005 approximately 2T of our public debt was owned by foreign entities. Today it is 4.7T. Also, in 2005 the Federal Reserve owned 788B of our public debt. Today it is 1.63T. Both metrics have doubled in just the past 7 years. ?Restore Mortgages will step in as a substantial buyer of our own public debt to ensure this trend does not continue. We must safe guard our economy and own ourselves without runaway inflation. We know what?s behind door number 1 and 2. If both are detrimental to our economy and country, then we must choose door number 3:Restore Mortgages? says Faust

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LA Legal, Inc. is reaching out to homeowners overwhelmed with their existing home loans and on the brink of foreclosure by offering its expertise in loan modifications. The locally-based loan modification firm is also planning several upcoming seminars, with the first expected to be held in the Los Angeles area.

Some homeowners are still reeling from economic hardships that have made it difficult to maintain their current home loans at the rates they were paying since they originally entered into agreement with lenders. LA Legal?s in-house attorneys and senior staff communicate directly with major lenders and submit documents on behalf of homeowners. The firm is a recognized third-party advocate for lenders such as Bank of America, Chase and Wells Fargo. LA Legal has a track record of negotiating with lenders to reduce interest rates and/or the principal reduction of loans.

Though LA Legal is based in Century City, Los Angeles, the firm provides services to homeowners in many states, not just California. It also provides free consultation to homeowners, never charging up-front fees. LA Legal?s staff is also fluent in English, Spanish and Farsi.

?Our goal is to help homeowners avoid foreclosure. Homeownership is the American dream, it?s something the average person works many years to attain,? said Farshad Sinai, J.D., CEO and Founder of LA Legal. ?When homeowners need loan modifications, we take into account the stress they are under and help to bring them clear answers so that they aren?t left in the dark,? he added. ?We provide viable working solutions for investors, lenders and borrowers in negotiating notes to achieve a win-win goal.?

LA Legal will be making its knowledgeable and experienced in-house attorneys and senior staff widely available with its upcoming seminars. The firm will soon announce the dates and locations of the seminars for homeowners that would like to attend and discuss their options with LA Legal?s professional staff. The seminars will be free of charge to homeowners affected by the economy.

For more information regarding Loan Modifications, REO Management, and Short Sales visit LA Legal, Inc. at http://LALEGAL.CA.

For media inquiries or additional information, please contact:

Yvette Morales

YM & Associates

PR | Marketing | Branding

California | New York

949.244.9769 | 310.499.0906 Fax

YMoralesY(at)YM-PR(dot)com

YM-PR.com

Rates on the most popular types of mortgages rose above record lows, according to HSH.com’s Weekly Mortgage Rate Radar. The average rate for conforming 30-year fixed-rate mortgages rose by 6 basis points (0.06 percent) to 4.08 percent. Conforming 5/1 hybrid ARM rates increased by 3 basis points, closing the Wednesday-to-Tuesday wraparound weekly survey at an average of 3.00 percent.

?The economic news over the past few weeks has been fairly solid,? said Keith Gumbinger, vice president of HSH.com. ?Investors have felt more comfortable moving money away from the safe haven of bonds into riskier investments. That action nudges mortgage rates and other interest rates a little higher.?

Technical factors in the mortgage market may have also contributed to the recent rise. ?Fees that lenders pay for loans being guaranteed by Fannie Mae or Freddie Mac are increasing over the next few months, and those costs are ultimately passed along to consumers in the form of higher rates,? noted Gumbinger. However, when fully priced into the market, the bump in rates as a result of these fees is expected to be slight, perhaps an eighth of a percentage point or less.

Average mortgage rates and points for conforming residential mortgages for the week ending January 24 were, according to HSH.com:

Conforming 30-year fixed-rate mortgage

Clopton Capital, a provider of numerous types of commercial loans has just developed a guest writer platform for their website which allows commercial financing experts to submit helpful information to their blog located on CloptonCapital.com. The firm believes that by consistently posting useful information within their blog located at CloptonCapital.com/loan they can generate more loyalty within the Internet and from those within the commercial financing community. ?The idea is clearly a slow burn, but one that makes us a valuable contributor to the Internet and specifically to people who are in search of some form of business capital?, said Jake Clopton, the founder of Clopton Capital.

The firm has already source several expert guest bloggers who have begun posting to CloptonCapital.com. They are currently sourcing more writers and expect to have over 100 within the next 45 days. From there the firm feels they simply have to moderate the posts to ensure quality. ?Advertising is simple and it works but running a banner ad on the Internet doesn’t really establish you as any type of authority within your given industry. This concept will slowly but surely instill confidence in those considering us for their commercial loan needs?, said Matt Reed, an associate of Clopton Capital.

The firm’s future plans involve adopting a similar platform for guest writing on their various other websites. The firm intends to create five platforms similar to this before 2013. They believe this will help them promote their SBA loans, commercial mortgages, gas station financing options and various other commercial loan mechanisms effectively and perpetually throughout the firm’s own existence.

Clopton Capital can be reached by phone at 866.647.1650. Any business owners of commercial real estate holders interested in obtaining working capital or some form of a business loan our encouraged to contact the firm at CloptonCapital.com.

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