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	<title>Hale Mortgage</title>
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		<title>Indianapolis is Latest Region Covered by Movoto.com?s Real Estate Search and Home Buying Help</title>
		<link>http://www.halemortgage.com/%catagory%/indianapolis-is-latest-region-covered-by-movoto-coms-real-estate-search-and-home-buying-help/</link>
		<comments>http://www.halemortgage.com/%catagory%/indianapolis-is-latest-region-covered-by-movoto-coms-real-estate-search-and-home-buying-help/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 06:01:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[San Mateo, CA (PRWEB) February 10, 2012 Movoto.com announced the expansion of their free home search and real estate agent introduction services to the Indianapolis area. Indianapolis area home buyers now have access thousands of active MLS Listings and introductions to top local real estate agents. &#13; Movoto.com makes searching homes for sale easy. Indianapolis &#8230; <a href="http://www.halemortgage.com/%catagory%/indianapolis-is-latest-region-covered-by-movoto-coms-real-estate-search-and-home-buying-help/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>San Mateo, CA (PRWEB) February 10, 2012 </p>
<p> Movoto.com announced the expansion of their free home search and real estate agent introduction services to the Indianapolis area.  Indianapolis area home buyers now have access thousands of active MLS Listings and introductions to top local real estate agents.</p>
<p>&#13;</p>
<p>Movoto.com makes searching homes for sale easy. Indianapolis area homes for sale on Movoto includes accurate data on homes for sale from the local multiple listing service displayed side by side with detailed school information, local demographic data, similar properties, and local homes for sale market statistics. </p>
<p>&#13;</p>
<p>Movoto.com?s site is easy to use and fast.  Home buyers can search homes interactively or set up custom searches that send an email when new homes for sale are listed in their target neighborhood. When a buyer finds an exciting home for sale, Movoto.com can connect them with a local real estate agent specially screened to meet their needs.  Movoto partner real estate agent services are free of charge.</p>
<p>&#13;</p>
<p>?Real estate prices are down and mortgage rates are at historic lows, making homes very affordable,? said Movoto CEO Henry Shao. ?Movoto?s goal is to make it easy for Indianapolis home buyers to take advantage of the opportunity to buy a home in today?s market.?</p>
<p>&#13;</p>
<p>Movoto adds Indianapolis and Indiana to its free, full service real estate brokerage services and advanced search tools that include homes for sale listed in the MLS in 30 states and Washington, D.C. For more information, please visit Movoto.com. </p>
<p>&#13;</p>
<p>About Movoto&#13;<br />
<br />Founded in 2005, San Mateo based Movoto is led by an experienced team of real estate industry veterans and internet technology experts with a shared vision of making it easy to buy a home. Movoto provides a unique online home-buying solution that combines innovative, easy-to-use research tools with ready access to a network of experienced local real estate agents. In 2011, Movoto was named to the Inc. 5000 list of fastest growing companies. For more information about Movoto please visit Movoto.com/aboutus.</p>
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		<title>Long Term Bad Credit Loans Increase Significantly</title>
		<link>http://www.halemortgage.com/%catagory%/long-term-bad-credit-loans-increase-significantly/</link>
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		<pubDate>Tue, 21 Feb 2012 02:39:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Fort Lauderdale, FL (PRWEB) December 21, 2011 With the jobless rate hovers in the 8.6% range and expected to stay above 8% through 2012 according to a September CBO report, more and more people are taking out bad credit loans in order to keep their households going, according to ReallyBadCreditOffers.com the leading online bad credit &#8230; <a href="http://www.halemortgage.com/%catagory%/long-term-bad-credit-loans-increase-significantly/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>Fort Lauderdale, FL (PRWEB) December 21, 2011 </p>
<p> With the jobless rate hovers in the 8.6% range and expected to stay above 8% through 2012 according to a September CBO report, more and more people are taking out bad credit loans in order to keep their households going, according to ReallyBadCreditOffers.com the leading online bad credit lending market resource.  The site is reporting a marked increase in high risk long term loan demand from 2010 levels as consumers seek access to money online.</p>
<p>&#13;</p>
<p>&#8220;Bad credit loans are really important today, because the average consumer is reeling from the combined punches of tight credit, high unemployment, and a real estate market that has stepped of the cliff,&#8221; said lead researcher Ariel Pryor.</p>
<p>&#13;</p>
<p>Bad credit loan offers are financial products that are specifically designed for people who have low credit scores that offer easy qualification standards combined with fast funding. The borrowers credit rating can be a result of a simple inability to manage finances or from a combination of events, including job loss, or financial hardship which makes them unable to obtain financing from the standard lending services.</p>
<p>&#13;</p>
<p>Experts anticipate that 2012 will be extremely challenging for people looking for loans, because of the preponderance of negative economic trends that are being forecast by financial news media outlets such as Forbes and The Wall Street Journal.</p>
<p>&#13;</p>
<p>Financial experts are predicting that the economic challenges we are currently experiencing will worsen in 2012 adding additional strain to consumers already facing tremendous financial challenges. One economist who predicted the sub prime mortgage crisis, Gary Shilling, of the consulting firm A. Gary Shilling &amp; Company, Inc., based in Springfield, N.J. says, the &#8220;depressing effect&#8221; of 2 to 2.5 million homes in excess inventory will push prices down.</p>
<p>&#13;</p>
<p>Pryor stated, ?Depressed property values combined with stricter loan qualifications are putting households in a vice that will tighten in 2012.  This will affect borrowing at all levels and slow consumer goods sales from small to big ticket items.? </p>
<p>&#13;</p>
<p>Mortgage and refinance approvals are very difficult to get approved and banks continue tightening lending criteria and raising rates for those with the slightest blemishes on their credit report.</p>
<p>&#13;</p>
<p>?Surviving financially through these tough times is leaving the average persons credit score scarred and marred as they struggle to stay afloat.? added Pryor.</p>
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		<title>NAPW Stafford Local Chapter Provides Business Exposure for Each Member in Attendance at January Networking Meeting</title>
		<link>http://www.halemortgage.com/%catagory%/napw-stafford-local-chapter-provides-business-exposure-for-each-member-in-attendance-at-january-networking-meeting/</link>
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		<pubDate>Sun, 19 Feb 2012 22:24:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Garden City, NY (PRWEB) February 09, 2012 The NAPW Stafford Local Chapter met on Saturday, January 21st, 2012 at Panera Bread located in Stafford Marketplace in Stafford, VA. Local Chapter President Sherlyn Powell opened by welcoming the members to the first meeting of the year. &#13; The Stafford Chapter announced its newest member, Ms. Marcy &#8230; <a href="http://www.halemortgage.com/%catagory%/napw-stafford-local-chapter-provides-business-exposure-for-each-member-in-attendance-at-january-networking-meeting/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>Garden City, NY (PRWEB) February 09, 2012 </p>
<p> The NAPW Stafford Local Chapter met on Saturday, January 21st, 2012 at Panera Bread located in Stafford Marketplace in Stafford, VA. Local Chapter President Sherlyn Powell opened by welcoming the members to the first meeting of the year.</p>
<p>&#13;</p>
<p>The Stafford Chapter announced its newest member, Ms. Marcy Campbell.  Marcy is a Human Resources Regional Manager for GEICO.  She has been employed with the company for about eighteen years. She received her Bachelor Degree from Mary Washington University and is currently seeking her Chartered Property Casualty Underwriter (CPCU) Certification, a highly recognized and prestigious certification in the insurance industry.</p>
<p>&#13;</p>
<p>Sherlyn Powell talked about the first annual National NAPW conference in 2011 and said that there will be information available on the 2012 NAPW National Conference soon.</p>
<p>&#13;</p>
<p>Sherlyn spoke about NAPW?s background, mentioning it was started by Matthew Proman, Founder and President. She told the group that he led several charitable causes, such as fundraising for Haiti relief and partnership with the Urban League. She also discussed the benefits of not only networking face-to-face, but in connecting with other members online for a broader impact. ?There are so many ways that NAPW makes it possible to network,? she said.</p>
<p>&#13;</p>
<p>The Chapter then provided an opportunity for each member in attendance to talk about their business.  </p>
<p>&#13;</p>
<p>T.C. Cooksley, real estate agent with 1st Choice Realty, has been busy working to help owners at risk of foreclosure to work with their mortgage company to remain in their homes and avoid foreclosure.  She also shared her personal struggle with cancer, divorce, homelessness, and raising special needs children. ?If you live in or are relocating to the Stafford or Fredericksburg Virginia area and are in need of a realtor, contact T.C. for assistance,? Sherlyn said. To encourage the growth of the chapter, T.C. invited her friend, Leisa Williams to join the group for the meeting.</p>
<p>&#13;</p>
<p>Leisa Williams is a Psychologist for the Prince William County, VA school system.  She evaluates and tests children suspected of having cognitive learning disabilities and in need of special education services.  Leisa also has a home-based jewelry business of two years, as an independent representative of Silpada Sterling Silver Jewelry. The sterling silver jewelry is made with quality craftsmanship, is fashionable and affordable.  All the jewelry is warranted under a lifetime guarantee. Those interested may contact Leisa Williams by visiting mysilpada.com to find out more about this home-based business opportunity, to host your own jewelry party, or to become an independent representative.</p>
<p>&#13;</p>
<p>Chapter President, Sherlyn Powell, shared good news that she recently did two interviews. The first interview was by the Christian Authors Show hosted by Danielle Hamson about her latest book, her memoir, A Gift Called Mother.  The second interview was with BlogTalkRadio host, playwright, and author Vanessa Richardson. The show?s topic discussed the struggles and difficulties that arise when communicating with your children, especially adult children, and how to handle them.  Sherlyn was able to provide insight into dealing with these communication issues by relating her personal communication struggles with her adult daughter, upon which her memoir is written about.  To hear the entire interview, visit http://www.sherlynpowell.com/id31.html. Sherlyn Powell is also the owner/publisher of Books My Way Publishing, a small self publishing company which also offers business services and products.</p>
<p>&#13;</p>
<p>Sabrina Priest, Chapter Secretary, discussed her home-based designer diaper bag business, Bellisima Baby Bags.com, for the benefit of the new attendees.  She also shared her personal experiences with raising a special needs child and homeschooling.  She related her and her son?s journey through the diagnosis of Autism and ADD from therapy services, treatments, inclusion in the mainstream class with an Individual Education Plan (IEP), and how all these experiences have culminated into a new journey, homeschooling.  Sabrina homeschools all three of her elementary aged children, is currently studying for her BA in Accounting at Western Governor?s University, and enjoys being able to help modern mothers and fathers maintain their fashion sense with her selection of gorgeous designer diaper bags.</p>
<p>&#13;</p>
<p>In closing Sherlyn reminded the group that February is heart month and she asked each member to wear red at their next meeting. She will speak on warning signs of heart failure and the prevention and treatment.  The Stafford Chapter meets once a month on the third Saturday. </p>
<p>&#13;</p>
<p>The National Association of Professional Women (NAPW) is the largest and most recognized network of female professionals. NAPW provides a forum where women can interact, exchange ideas, educate, network, and empower. NAPW Local Chapters allow members to maximize their experience through meetings, networking opportunities, and professional events. </p>
<p>&#13;</p>
<p>For additional information regarding the NAPW Stafford Local Chapter and/or NAPW, please visit http://www.napw.com.</p>
<p>&#13;</p>
<p>Follow NAPW on Facebook and Twitter.</p>
<p>&#13;</p>
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		<title>Commercial Mortgage Broker in Chicago, IL Seeks Discount Advertising Space on Relevant Websites</title>
		<link>http://www.halemortgage.com/%catagory%/commercial-mortgage-broker-in-chicago-il-seeks-discount-advertising-space-on-relevant-websites/</link>
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		<pubDate>Sat, 18 Feb 2012 19:15:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[(PRWEB) February 09, 2012 Clopton Capital, a commercial mortgage provider based out of Chicago, IL is seeking advertising space within commercial real estate listing websites at rates far below rate card. Recently the firm bought a significant amount of advertising in the form of banner advertising on the popular commercial real estate listing website LoopNet.com. &#8230; <a href="http://www.halemortgage.com/%catagory%/commercial-mortgage-broker-in-chicago-il-seeks-discount-advertising-space-on-relevant-websites/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>(PRWEB) February 09, 2012 </p>
<p> Clopton Capital, a commercial mortgage provider based out of Chicago, IL is seeking advertising space within commercial real estate listing websites at rates far below rate card.  Recently the firm bought a significant amount of advertising in the form of banner advertising on the popular commercial real estate listing website LoopNet.com.  They believe that advertising their commercial mortgage services, namely the ability to issue commercial mortgages at rates as low as 3.5% on relevant websites will help them expand throughout 2012.  If there are any similar websites that had banned advertising and believe they can make a competitive offer to Clopton Capital, then the firm would like to be contacted via their website&#8217;s contact form at CloptonCapital.com. ?We want to expand via target banner advertising, but frankly we see no reason to pay retail rates to do so.  We&#8217;re a great client to have since we are financially stable and believe in consistent advertising, but we&#8217;re also savvy enough to not overpay for the ability to advertise on other&#8217;s websites,? said Jake Clopton, the founder of Clopton Capital. </p>
<p>&#13;</p>
<p>The firms future plans involve engaging in link exchanges and banner advertising with numerous other relevant websites as part of their objective towards continued growth throughout 2012.  ?There are a lot of great businesses and websites we would like to partner with if it can be mutually beneficial and help build our brand positively in the long term,? said Matt Reed, an associate of Clopton Capital.</p>
<p>&#13;</p>
<p>Any businesses or commercial real estate owners who are seeking business loans are urged to contact Clopton Capital at 866.647.1650 or via their website CloptonCapital.com. </p>
<p>&#13;</p>
<p>For more information about Clopton Capital?s business loan services visit their website dedicated to them at CloptonCapital.com. To join their financial link exchange visit CloptonCapital.com/link.</p>
<p>&#13;</p>
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<p>Find More <a href="http://www.halemortgage.com/category/uncategorized/">Mortgage Press Releases</a></p>
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		<title>U.S. Veterans Get What They Deserve From The #1 Sponsors Of Low VA Loan Rates, Security America Mortgage, Inc. ? With Three (3) New Websites Launched in February!</title>
		<link>http://www.halemortgage.com/%catagory%/u-s-veterans-get-what-they-deserve-from-the-1-sponsors-of-low-va-loan-rates-security-america-mortgage-inc-with-three-3-new-websites-launched-in-february/</link>
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		<pubDate>Fri, 17 Feb 2012 13:53:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[ahoma, Colorado, Louisiana, Arkansas, North Carolina, California (PRWEB) February 08, 2012 Texas, Florida, Okl Security America Mortgage, Inc. proudly announced the release of three (3) brand new VA Home Loan websites that were officially launched onto the internet as of February 6, 2012. The newest website features include Relocation Services and State/City Location Resources, such &#8230; <a href="http://www.halemortgage.com/%catagory%/u-s-veterans-get-what-they-deserve-from-the-1-sponsors-of-low-va-loan-rates-security-america-mortgage-inc-with-three-3-new-websites-launched-in-february/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>ahoma, Colorado, Louisiana, Arkansas, North Carolina, California (PRWEB) February 08, 2012 </p>
<p>Texas, Florida, Okl Security America Mortgage, Inc. proudly announced the release of three (3) brand new VA Home Loan websites that were officially launched onto the internet as of February 6, 2012.  The newest website features include Relocation Services and State/City Location Resources, such as VA facilities, demographics, and much more.</p>
<p>&#13;</p>
<p>Veterans purchasing a home in 2012 can now take advantage of the new relocation services provided by the VA Loan Industry Experts.  With the addition of the relocation services now on the new websites,  military service members who are either moving to one of the state websites soon OR are already looking for a home to purchase in a certain area can narrow down their choices much faster and better than before.  </p>
<p>&#13;</p>
<p>Security America Mortgage, Inc. is the leading advocate of VA home loan lending, as well as a supporter of many military services within the United States ? which include (but are not limited to) the following services and topics: &#13;<br />
</p>
<p>&#13;</p>
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		<title>Corporate Whistle Blower Center Urges FHA &amp; VA Loan Originators or Loan Servicing Insiders with Proof of Homebuilder and Bank Appraisal Fraud to Step Forward</title>
		<link>http://www.halemortgage.com/%catagory%/corporate-whistle-blower-center-urges-fha-va-loan-originators-or-loan-servicing-insiders-with-proof-of-homebuilder-and-bank-appraisal-fraud-to-step-forward/</link>
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		<pubDate>Thu, 16 Feb 2012 09:43:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[(PRWEB) February 08, 2012 The Corporate Whistle Blower Center is urging major homebuilder mortgage representatives, bank originators, or loan servicing insiders to step forward for potentially huge rewards, if they possess significant proof of any type of significant appraisal fraud, or major wrongdoing involving FHA, or VA mortgages. The key focus for the group is &#8230; <a href="http://www.halemortgage.com/%catagory%/corporate-whistle-blower-center-urges-fha-va-loan-originators-or-loan-servicing-insiders-with-proof-of-homebuilder-and-bank-appraisal-fraud-to-step-forward/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>(PRWEB) February 08, 2012 </p>
<p> The Corporate Whistle Blower Center is urging major homebuilder mortgage representatives, bank originators, or loan servicing insiders to step forward for potentially huge rewards, if they possess significant proof of any type of significant appraisal fraud, or major wrongdoing involving FHA, or VA mortgages. The key focus for the group is home builder, or major bank managers, who knew about inflated appraisals for FHA, or VA mortgages, and still have the proof. The time frames are 2004-2007. The Corporate Whistle Blower Center says, &#8220;On the origination side we are looking for major US home builder mortgage managers, mortgage bankers, or insiders, who can prove their bank, or mortgage lender employer was committing appraisal fraud, as well as gouging borrowers on fees, or not complying with specific rules that govern FHA, or VA mortgages. On the loan serving side, we are looking for individuals who possess significant proof, their bank or loan serving company employer was intentionally misapplying payments for principal, interest, and/or for reserves. We also want to hear from bank, or loan servicing insiders about their employer not adhering to foreclosure rules, for members of the U.S. Armed Forces, who were deployed, and as such not able to respond. Again, the wrongdoing has to be widespread, and the proof has to be significant.&#8221; For more information, bank or mortgage lender insiders or loan servicing insiders are encouraged to contact the Corporate Whistle Blower Center anytime at 866-714-6466, or they can contact the group via their web site at http://CorporateWhistleBlowerCenter.com</p>
<p>&#13;</p>
<p>Simple rules for a whistle blower from the Corporate Whistle Blower Center: &#13;<br />
</p>
<p>   Do not go to the government first, if you are a major whistle blower. The Corporate Whistle Blower Center says, &#8220;Major whistle blowers frequently go to the federal government thinking they will help. Its a huge mistake. Frequently government officials could care less, or they are incompetent.&#8221; &#13;<br />
   Do not go to the news media with your whistle blower information. Public revelation of a whistle blower&#8217;s information could destroy any prospect for a reward. &#13;<br />
   Do not try to force a government contractor, or corporation to come clean to the government about their wrongdoing. The Corporate Whistle Blower Center says, &#8220;Fraud is so rampant among federal contractors, that any suggestion of exposure might result in an instant job termination, or harassment of the whistle blower. We say, come to us first, tell us what type of information you have, and if we think its sufficient, we will help find the right law firms, to assist in advancing your information.&#8221;
<p>Any type of insider, or employee, who possesses significant proof of their employer, or a government contractor fleecing the federal government is encouraged to contact to Corporate Whistle Blower Center anytime at 866-714-6466, or they can contact the group via their web site at http://CorporateWhistleBlowerCenter.Com</p>
<p>&#13;</p>
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		<title>Security America Mortgage Now Sponsors For the Lowest VA Mortgage Refinance Rates Given to Veterans in Texas</title>
		<link>http://www.halemortgage.com/%catagory%/security-america-mortgage-now-sponsors-for-the-lowest-va-mortgage-refinance-rates-given-to-veterans-in-texas/</link>
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		<pubDate>Wed, 15 Feb 2012 05:52:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[orida, Hawaii, California, Illinois, Colorado, Arkansas, Georgia (PRWEB) December 23, 2011 North Carolina, Texas, Oklahoma, Fl Due to the overwhelming need of financial preparedness education in America for military veterans and active-duty personnel, mortgage loan support and VA loan services are now being sponsored by Security America Mortgage, Inc., the VA loan company that ranked &#8230; <a href="http://www.halemortgage.com/%catagory%/security-america-mortgage-now-sponsors-for-the-lowest-va-mortgage-refinance-rates-given-to-veterans-in-texas/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>orida, Hawaii, California, Illinois, Colorado, Arkansas, Georgia (PRWEB) December 23, 2011 </p>
<p>North Carolina, Texas, Oklahoma, Fl Due to the overwhelming need of financial preparedness education in America for military veterans and active-duty personnel, mortgage loan support and VA loan services are now being sponsored by Security America Mortgage, Inc., the VA loan company that ranked highest by veteran home buyers as one of the top recommended companies servicing the mortgage lending industry.  The VA loan experts got together within the company recently to obtain data from a social study over a group of veterans and active-duty military personnel who were previously accustomed to living on base and/or overseas in the barracks.  The social experiment was acquired by Security America Mortgage in order to address the greatest core concerns and needs of the &#8220;average VA client home buyer&#8221;.  </p>
<p>&#13;</p>
<p>HERE IS WHAT THE VA LOAN EXPERTS LEARNED ABOUT THE MILITARY MIND:&#13;<br />
<br />The results of the social study concluded that the majority of veterans who were fresh from living the military lifestyle had to learn how to manage money all over again, fast, and from a civilian perspective with little assistance.  With the United States economy still in recession, many military families are experiencing financial depression when being faced with high monthly mortgage payments.  This is especially true for military families who are welcoming their primary caregivers/veterans heroes back home from deployment in overseas.   </p>
<p>&#13;</p>
<p>Also, according to the data collected, most of the veterans affirmed that they have not lived the civilian life before, which was why they were less likely to know what help was out there to support them financially (or emotionally), how (or where) to get help, and more importantly &#8211; WHO to contact to get the best, most accurate, reliable information they need for the smoothest transition into civilian living. </p>
<p>&#13;</p>
<p>The social study results mainly provided proof of there being a huge need for veteran community support, and since then, Security America Mortgage, Inc. have restructured their goals for launching the newly developed sponsorship programs that help to assist veterans in cities all around the United States.  To start off on the right foot in the right direction toward financial freedom, the VA Loan Experts urged the press to share the benefits of the three different VA loan refinancing options &#8211; which are listed below as promised:</p>
<p>&#13;</p>
<p>VA Loan Refinance Option #1 &#8211; VA Streamline Refinance &#8211; Interest Rate Reduction Loan (IRRL):</p>
<p>&#13;</p>
<p>VA streamline refinancing loan can be used when you already have a VA home loan financed with your current home. The only reason you would choose to refinance would be to achieve a lower interest rate using a &#8220;VA Interest Rate Reduction Loan (IRRL)&#8221;. The VA IRRL enables lower interest rates on a current VA home loan and it can be achieved with no out-of-pocket closing costs to the homeowner &#8211; which is great!</p>
<p>&#13;</p>
<p>The Benefits of a VA Streamline Refinance &#8211; Interest Rate Reduction Loan (IRRL)&#13;<br />
</p>
<p>  No appraisal required.&#13;<br />
  No income or credit background check to qualify.&#13;<br />
  No monthly mortgage insurance.&#13;<br />
  Only .5% funding fee on all interest reductions.&#13;<br />
  No out-of-pocket costs.
<p>VA Loan Refinance Option #2 ? ?Cash-Out? or Debt Consolidation Refinance:</p>
<p>&#13;</p>
<p>If there is equity in the current VA loan financed with the home needing to be refinanced, the VA benefits give eligible veterans the option to refinance the VA home loan currently financed on the home &#8211; and then to receive a ?cash out? payment that is up to 90% of the home?s equity value. The money left over from the home&#8217;s appraised and calculated value can then be used for anything like; &#13;<br />
<br />1. Paying off credit card debts, &#13;<br />
<br />2. Remodeling home improvements, or &#13;<br />
<br />3. Save money for retirement.</p>
<p>&#13;</p>
<p>The Benefits of a ?Cash-Out? or Debt Consolidation Refinance:&#13;<br />
</p>
<p> You can take cash out up to 90% of your home&#13;<br />
  Monthly mortgage insurance is not required&#13;<br />
  No out-of-pocket closing costs
<p>VA Loan Refinance Option #3 &#8211; Conventional to VA Refinance Loan:</p>
<p>&#13;</p>
<p>The Conventional to VA Refinance option requires a funding fee, which the government charges to insure a VA Home Loan with the lender. The fee is 2.2% for veterans who are first-time users for this type of loan. The good thing about the Funding Fee is that it can be financed into the cost of the loan.</p>
<p>&#13;</p>
<p>The Benefits of a Conventional to VA Refinance Loan:&#13;<br />
</p>
<p> No monthly mortgage insurance&#13;<br />
  The new interest rate may be lower &#8211; AND if the veteran has less than perfect credit, they may be able to get the same low interest rates available to those with great credit.&#13;<br />
  The &#8220;cash-out&#8221; option can be taken, adding up to 90% with a VA refinance&#13;<br />
  No out-of-pocket closing costs
<p>Reducing the rate is one of the many VA loan advantages that optimize VA home loan benefits.  Without a doubt, Security America Mortgage, Inc. continue to grow as VA loan experts with their knowledge and persistence in leading the driving force behind financial security and freedom for all military affiliates.  For veterans and active-duty military service members who are looking to save a significant amount of money on their mortgage loan by lowering the monthly payments, using a VA loan refinance option is the first step to take in order to accomplish their home mortgage debt freedom.  With a more aggressive approach to inform veterans and military members about the three different VA loan refinance options available, Security America Mortgage will help veterans learn how to use VA loans to lower their monthly mortgage payments &#8211; by hundreds and even thousands of dollars a month! </p>
<p>&#13;</p>
<p>To find out which VA loan refinance option BEST FITS your home mortgage financial needs please contact a VA Loan Specialist with Security America Mortgage, Inc. &#8211; toll free: 888-864-0726!</p>
<p>&#13;</p>
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<p>Related <a href="http://www.halemortgage.com/category/uncategorized/">Home Loan Press Releases</a></p>
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		<title>Chinese Real Estate Collapse Will Hit America Hard, According to Influential Newsletter Profit Confidential</title>
		<link>http://www.halemortgage.com/%catagory%/chinese-real-estate-collapse-will-hit-america-hard-according-to-influential-newsletter-profit-confidential/</link>
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		<pubDate>Tue, 14 Feb 2012 01:55:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[New York, NY (PRWEB) November 23, 2011 Profit Confidential, a leading and popular financial e-letter, says that America will be hit hard if Chinese real estate collapses. &#13; Michael Lombardi, the leading Profit Confidential contributor, says that, ?Falling Chinese real estate prices are becoming a big concern? and the after-effects could reach America.? &#13; Sixty-six &#8230; <a href="http://www.halemortgage.com/%catagory%/chinese-real-estate-collapse-will-hit-america-hard-according-to-influential-newsletter-profit-confidential/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>New York, NY (PRWEB) November 23, 2011 </p>
<p> Profit Confidential, a leading and popular financial e-letter, says that America will be hit hard if Chinese real estate collapses.</p>
<p>&#13;</p>
<p>Michael Lombardi, the leading Profit Confidential contributor, says that, ?Falling Chinese real estate prices are becoming a big concern? and the after-effects could reach America.?</p>
<p>&#13;</p>
<p>Sixty-six million people live in Beijing, Shanghai, Guangzhou and Shenzhen, and these four big cities are seeing the prices of homes softening. Chinese real estate prices could fall as much as 20% to 30% next year in these cities, according to a story in Beijing Business Today. </p>
<p>&#13;</p>
<p>Lombardi says, ?As you may recall, the Chinese government, fearing speculation in the Chinese real estate market, raised home down-payment requirements and mortgage rates in April to cool the housing market.? Profit Confidential states that these steps may have gone too far, cooling the Chinese real estate market too quickly.</p>
<p>&#13;</p>
<p>As China?s economy has grown so fast, as the country has become a big world buyer of materials related to home building, materials companies have looked at exports to China as an offset to the pathetic American new home construction market. </p>
<p>&#13;</p>
<p>A slowdown in the Chinese real estate market would have severe global ramifications, possibly causing more damage to the U.S. economy than the eurozone crisis. Profit Confidential is monitoring this developing story closely for its readers.</p>
<p>&#13;</p>
<p>Profit Confidential, which has been published for over a decade now, has been widely recognized as predicting five major economic events over the past 10 years. In 2002, Profit Confidential started advising its readers to buy gold-related investments when gold traded under $  300 an ounce. In 2006, it ?begged? its readers to get out of the housing market&#8230;before it plunged.</p>
<p>&#13;</p>
<p>Profit Confidential was among the first (back in late 2006) to predict that the U.S. economy would be in a recession by late 2007. The daily e-letter correctly predicted the crash in the stock market of 2008 and early 2009. And Profit Confidential turned bullish on stocks in March of 2009 and rode the bear market rally from a Dow Jones Industrial Average of 6,440 on March 9, 2009, to 12,876 on May 2, 2011, a gain of 99%.</p>
<p>&#13;</p>
<p>To see the full article and to learn more about Profit Confidential, visit http://www.profitconfidential.com.</p>
<p>&#13;</p>
<p>Profit Confidential is Lombardi Publishing Corporation?s free daily investment e-letter. Written by financial gurus with over 100 years of combined investing experience, Profit Confidential analyzes and comments on the actions of the stock market, precious metals, interest rates, real estate, and the economy. Lombardi Publishing Corporation, founded in 1986, now with over one million customers in 141 countries, is one of the largest consumer information publishers in the world. For more on Lombardi, and to get the popular Profit Confidential e-letter sent to you daily, visit http://www.profitconfidential.com.</p>
<p>&#13;</p>
<p>Michael Lombardi, MBA, the lead Profit Confidential editorial contributor, has just released his most recent update of Critical Warning Number Six, a breakthrough video with Lombardi?s current predictions for the U.S. economy, stock market, U.S. dollar, euro, interest rates and inflation. To see the video, visit http://www.profitconfidential.com/critical-warning-number-six.</p>
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		<title>Low Mortgage Refinance Rates are Being Sponsored by Security America Mortgage for Veterans in the United States</title>
		<link>http://www.halemortgage.com/%catagory%/low-mortgage-refinance-rates-are-being-sponsored-by-security-america-mortgage-for-veterans-in-the-united-states/</link>
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		<pubDate>Sun, 12 Feb 2012 21:53:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Austin, Dallas, Texas, Florida, Hawaii, North Carolina, Arkansas (PRWEB) December 21, 2011 Houston, San Antonio, With the United States economy still in recession, many military families are experiencing financial depression when being faced with high monthly mortgage payments. This is especially true for military families who are welcoming their primary caregivers/veterans heroes back home from &#8230; <a href="http://www.halemortgage.com/%catagory%/low-mortgage-refinance-rates-are-being-sponsored-by-security-america-mortgage-for-veterans-in-the-united-states/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>Austin, Dallas, Texas, Florida, Hawaii, North Carolina, Arkansas (PRWEB) December 21, 2011 </p>
<p>Houston, San Antonio,  With the United States economy still in recession, many military families are experiencing financial depression when being faced with high monthly mortgage payments.  This is especially true for military families who are welcoming their primary caregivers/veterans heroes back home from deployment in Iraq).  Due to the overwhelming need for financial preparedness, mortgage loan support, and VA loan education for veterans alike, Security America Mortgage, Inc., a VA loan company that ranked highest by veteran home buyers as one of the top recommended sponsors servicing the mortgage lending industry, recently obtained data from a social study over a group of veterans and active-duty military personnel who were previously accustomed to living on base and/or overseas in the barracks.  The study was acquired in order for the company to assess the greatest core needs of the VA client so that the company could; 1. define exactly where services will best be used, and 2. see where the company services could be improved.  </p>
<p>&#13;</p>
<p>The results of the social study concluded that the majority of veterans who were fresh from living the military lifestyle had to learn how to manage money all over again, fast, and from a civilian perspective with little assistance.  Also, according to the data collected, most of the veterans affirmed that they have not lived the civilian life before, which was why they were less likely to know what help was out there to support them financially (or emotionally), how (or where) to get help, and more importantly &#8211; WHO to contact to get the best, most accurate, reliable information they need for the smoothest transition into civilian living.  </p>
<p>&#13;</p>
<p>Since the social study results also provided proof of there being a huge need for veteran support, Security America Mortgage, Inc. has launched the newly developed sponsorship program that assists veterans with three different refinance options for veterans using VA loans to lower their monthly mortgage payments by hundreds (and even thousands) of dollars!  To start off on the right foot, in the right direction toward financial freedom, the benefits of refinancing a current mortgage loan using the three different VA loan refinancing options are listed as follows:</p>
<p>&#13;</p>
<p>VA Loan Refinance Option #1 &#8211; VA Streamline Refinance &#8211; Interest Rate Reduction Loan (IRRL):</p>
<p>&#13;</p>
<p>VA streamline refinancing loan can be used when you already have a VA home loan financed with your current home. The only reason you would choose to refinance would be to achieve a lower interest rate using a &#8220;VA Interest Rate Reduction Loan (IRRL)&#8221;. The VA IRRL enables lower interest rates on a current VA home loan and it can be achieved with no out-of-pocket closing costs to the homeowner &#8211; which is great!</p>
<p>&#13;</p>
<p>The Benefits of a VA Streamline Refinance &#8220;Interest Rate Reduction Loan&#8221; (IRRL)&#13;<br />
</p>
<p>  No appraisal required.&#13;<br />
  No income or credit check to qualify.&#13;<br />
  No monthly mortgage insurance.&#13;<br />
  Only .5% funding fee on all interest reductions.&#13;<br />
  No out-of-pocket costs.
<p>VA Loan Refinance Option #2 &#8211; Cash-Out or Debt Consolidation Refinance:&#13;<br />
<br />If there is equity in the current VA loan financed with the home needing to be refinanced, the VA benefits give eligible veterans the option to refinance the VA home loan currently financed on the home &#8211; and then to receive a cash out payment that is up to 90% of the home?s equity value.  The money left over from the home&#8217;s appraised and calculated value can then be used for anything like; 1. paying off credit card debts, 2. remodeling home improvements, or 3. for paying any other expenses.</p>
<p>&#13;</p>
<p>The Benefits of a Cash-Out VA Loan Refinance:&#13;<br />
</p>
<p> You can take cash out up to 90% of your home&#13;<br />
  Monthly mortgage insurance is not required&#13;<br />
  No out-of-pocket closing costs
<p>VA Loan Refinance Option #3 &#8211; Conventional to VA Refinance Loan:&#13;<br />
<br />The Conventional to VA Refinance option requires a funding fee, which the government charges to insure a VA Home Loan with the lender. The fee is 2.2% for veterans who are first-time users for this type of loan.  The good thing about the Funding Fee is that it can be financed into the cost of the loan.</p>
<p>&#13;</p>
<p>The Benefits of a Conventional to VA Refinance Loan:&#13;<br />
</p>
<p> No monthly mortgage insurance&#13;<br />
  The new interest rate may be lower &#8211; AND if the veteran has less than perfect credit, they may be able to get the same low interest rates available to those with great credit.&#13;<br />
  The &#8220;cash-out&#8221; option can be taken, adding up to 90% with a VA refinance&#13;<br />
  No out-of-pocket closing costs
<p>Without a doubt, the Security America Mortgage VA Home Loan Experts know the real value of financial security and freedom.  For veterans and active-duty military service members who are looking to save a significant amount of money on their mortgage loan by lowering the monthly payments, using a VA refinance loan is the first step to take to accomplish those financial freedom needs.  Reducing the rate is one of the many VA loan advantages that optimize VA loan benefits.   </p>
<p>&#13;</p>
<p>To Find Out Which VA Loan Refinance Option BEST Fits Your Home Mortgage Refinancing Needs, Contact a VA Loan Specialist With Security America Mortgage Now.</p>
<p>&#13;</p>
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<p>Find More <a href="http://www.halemortgage.com/category/uncategorized/">Home Loan Press Releases</a></p>
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		<title>Custom Printed Shirts Provider &#8211; Rush Order Tees &#8211; Expands Leadership Team</title>
		<link>http://www.halemortgage.com/%catagory%/custom-printed-shirts-provider-rush-order-tees-expands-leadership-team/</link>
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		<pubDate>Sat, 11 Feb 2012 17:58:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Philadelphia, PA (PRWEB) February 02, 2012 As a leader in custom printed shirts, Rush Order Tees is committed to acquiring the best talent at all levels and aspects of the business. ?To grow as a market leader among providers of custom printed shirts for consumers is of course a principal goal. Beyond that, we?re committed &#8230; <a href="http://www.halemortgage.com/%catagory%/custom-printed-shirts-provider-rush-order-tees-expands-leadership-team/">Continue reading</a>]]></description>
			<content:encoded><![CDATA[<p>Philadelphia, PA (PRWEB) February 02, 2012 </p>
<p> As a leader in custom printed shirts, Rush Order Tees is committed to acquiring the best talent at all levels and aspects of the business.  ?To grow as a market leader among providers of custom printed shirts for consumers is of course a principal goal. Beyond that, we?re committed to extending the level of service, quality and value consumers have come to expect from us &#8211; to corporate buyers of company shirts and uniforms.  Marketing our business friendly message to corporate buyers is a priority as we continue to enhance the consumer experience in designing custom printed shirts online.?</p>
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<p>The addition of Ron Reed to the leadership team brings broad-reaching experience and depth to the Company.  Ron?s experience in marketing across all major disciplines &#8211; Internet (SEM, SEO, Site Design, et al.), social (SMM), email, multimedia, TV, radio, direct &amp; print &#8211; is already proving a valuable asset to the Company. Ron has managed marketing, IT, and broadly applicable business and contract management projects at a senior executive level.  He has been the senior PM on the development of new websites and redesigns of existing ones.  His work has been instrumental in aligning organizational missions and specific departmental objectives and strategies across marketing (Internet-based &amp; traditional), sales leadership, IT, HR and operations to support objectives in revenue, lead generation, talent acquisition, operational effectiveness and the development of strategic alliances.  </p>
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<p>Prior to joining the Rush Order Tees team, Ron worked for Venture 3 Systems (creators of Telikin brand computers for seniors) as the Web Marketing Manager where he created and managed all online marketing initiatives and the company?s web presence.  This included marketing across all the leading search engines (Google, Yahoo, Bing) plus all social marketing (Facebook &amp; Twitter) as well as all display ads, web-alliances and content marketing. After inheriting the company?s seven month old YouTube Channel with only 165 views, Ron took sole ownership of the project to bring the channel past 20,000 views in under five months and making YouTube a consistent top-5 referral site for the business. </p>
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<p>Ron proposed and managed major site improvements to enhance the visitor experience, increase conversion rate by web and phone, and to drive technical SEO &amp; SEM improvements (including relevance and quality).  Ron proposed and contributed to the expansion and training of personnel for phone sales to align the web, media and sales messages under an Integrated Marketing Communications plan to support both B2C sales and B2B strategic initiatives with major retail partners including Best Buy, Sears / K-Mart, Radio Shack, Fry?s and Amazon. Ron also created and managed the company?s direct Amazon listings and enhanced Amazon?s own product listings through personally authored submissions and direct communications with Amazon.</p>
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<p>Before his success with Telikin computers, Ron led web, social and email marketing and initiatives for Pleasant Valley Home Mortgage (a $  450-million lender) during a growth stage that saw the company expand significantly throughout the Northeast and Mid-Atlantic regions.  Ron managed all SEM, SMM and the full development of a completely new company web-site and CPC landing pages leading to dramatic increases in lead generation (the principal objective) in excess of 150%.</p>
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<p>As the Vice President of Marketing and Operations with OPG Global &amp; Staffing.org for five years, Ron acted as senior project manager on the highest priority initiatives including the development of all new affiliate web sites, related e-marketing, and operational matters including the management of two major office relocations and expansions, assistance with VC investor relations, and the development of strategic alliances, sponsorships, paid advertisers, and public agencies.  When the Company?s flagship site for over ten years (Staffing.org) was purchased, Ron focused on Staffing.org where he stayed and continued duties as the Vice President of Marketing &amp; Online Media at the behest of new ownership even beyond the company?s eventual out-of-state relocation before ultimately accepting an offer from the more locally based Pleasant Valley Home Mortgage.</p>
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<p>Building on his work managing corporate marketing, online media and business operations, Ron worked for Allstate, Inc. as a member of it?s corporate marketing team focusing on the company?s then newly acquired workplace group division. Working closely with the Senior Director of Sales, Ron took ownership of marketing communications with a focus on B2B proposal writing for all corporate Sales Managers throughout Pennsylvania and New Jersey regions.  Ron codified results, established and reported key performance indicators for the region while creating collateral in line with corporate communications policy.  To better contribute to the organization, Ron acquired full insurance licenses in six lines to become a legally recognized authority on subject matter in collateral, e-communications, and business proposals.</p>
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<p>Preceding his work with Allstate, Ron accepted a role as Business Manager which led to promotions to Chief Marketing Officer and Chief Information Officer of Basement Dr. &amp; MD Environmental, Inc. &#8211; a large construction and remediation company with $  45 million in annual revenue and over 500 employees with five offices in PA, NJ, DE, MD and NY.  Under both CMO and CIO roles, Ron was ultimately responsible for all media buying, marketing initiatives and major corporate technology contracts.  </p>
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<p>Ron shifted investments in IT and marketing by personally sourcing, bidding and negotiating multiple new contracts which ultimately led to the company saving an average of $  50,000 in monthly recurring costs.  Ron established metrics and KPIs as more effective resources for executive leadership and middle management.  His initiatives across marketing, IT and talent management led to improved effectiveness, drastically improved alignment with regulatory agencies and increases in lead quantity and quality while further establishing Ron?s senior leadership, project management, marketing, and contract negotiations skills.</p>
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<p>Ron has been published in print and online as an in-house Senior Researcher, Technical Writer and Editor with two of the world?s leading publishers &#8211; McGraw-Hill Companies and Reed-Elsevier.  With both organizations, Ron specialized on writing for business and industry.  His exceptional research and writing work led to multiple promotions, bonuses and recognitions for contributions of quality and quantity in each of these leading global organizations.  Ultimately his experience and access to high-level business leaders in these companies and strategically partnered organizations yielded massive insight into business management, contracting, marketing and leadership laying an exceptional foundation for Ron?s professional career.  </p>
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<p>Ron has also worked as a professional corporate speaker on time and team management under Day-Timers Inc.?s contract with Stephen Covey &#8211; author of the best-selling Seven Habits of Highly Successful People which served as the foundation for corporate speaking events.</p>
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<p>Ron is already proving to be a valuable addition to the Rush Order Tees organization as he works with leadership, the team, and external partners to further develop the company?s marketing strategy, online presence, corporate mission, long term and priority objectives, and new product offerings to support the expansion and growth of Printfly and Rush Order Tees.  ?I?m honored to be a member of the team and look forward to expanding awareness of company?s value proposition to consumers and businesses.?  </p>
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<p>About Rush Order Tees | Printfly</p>
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<p>Rush Order Tees ( http://www.RushOrderTees.com | http://www.Printfly.com ) has been in business for over 10 years.  </p>
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<p>Since it&#8217;s founding Rush Order Tees has expanded its product offering beyond custom printed shirts to include a large sports, academic, industrial and business offerings including company logo polos, custom business shirts, custom uniforms, custom team jerseys, custom printed hats, custom printed sweats, custom college shirts, school jerseys, custom totes, custom aprons, and more. </p>
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<p>Rush Order Tees acquired a 15,000 SF facility in Philadelphia, PA which they equipped with over 20 of the highest quality screen printers, digital printers, exposure units, heaters, and more.  Offering free nationwide shipping, an industry-leading low price guarantee, excellent service, value and quality has yielded overwhelmingly positive online rating and reviews across leading sites like Google, Superpages, YP.com, and the Better Business Bureau where they hold a certified A+ BBB Rating.  Built on repeat business and referrals from satisfied customers, Rush Order Tees has grown to be a major leader in the custom printed shirts industry.</p>
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