An FHA Mortgage is Insured / Backed by The United States Government. Because of this Government Insurance lenders like myself our able to give YOU a LOW, FIXED Interest rate even if your credit is poor.

That means you can get a LOW and FIXED rate around 7% - currently between 6.5 – 7%

EVEN if you score is 580 and in some case even as low as 530

Our GOVERNMENT is trying to HELP you REFINANCE





My name is MICHAEL ROCCO and I’m a FHA Mortgage Consultant.

By now I’m sure many of you have heard of the SUB-PRIME MORTGAGE CRISIS. Many homeowners like yourself are trapped in adjustable rate mortgages. These adjustable rates go UP and make it harder than ever for you to afford your payment. On top of it we are seeing FALLING HOME VALUES across the country.

This leads to 2 major problems:

1) You may have fallen behind on your payment which gives you a low credit score and a poor mortgage history

2) Falling home values means you have a very high loan to value



-----------THE GOOD NEWS IS I CAN HELP YOU –



(631) 756-8769 or E-mail – michael.rocco@sterlingnational.com





--Fully Charted and Licensed in ALL States



--Our Company was founded in 1929, we have been a Direct Lender for 80 years now



Even if your score is 530 you can still be approved



Even if you have 3 LATES on your mortgage



--The Interest Rate is currently a 6.5 – 7% FIXED



--NEVER a Pre-Payment Penalty



--We can go UP to a 97.75% LOAN TO VALUE – So even if you have little equity in your house you can still be approved



The Government WAIVES many of the Closing Costs normally associated with refinancing:

---NO Attorney Fees

---NO Application Fees

---NO Processing Fees

---NO Underwriting Fees

---NO Wire Transfer Fees

---NO Paperwork Fees and Etc.



You can use our Government Mortgage Program to:

--Lower your payment

--Payoff high interest debt (Credit cards)

--Get Cash in hand for any reason (Home Improvement)

--Convert Your Adjustable Rate into a FIXED (Interest Rates are on the rise)



This is also the ONLY mortgage which has ASSUMABLITY - which means you can sell your property and have the new buyer ASSUME the mortgage and the fixed rate



There is also a streamline feature – Which allows you to refinance in the future at virtually no cost



“The United States Government is attempting to prevent future foreclosures. Currently 1 in every 25 sub-prime borrowers are headed into foreclosure. People are in adjustable rate mortgages that have now went UP and they can NO longer afford the payments" – Mortgage News, 1/12/2008



NOW is the time to let the Government help you get into a FIXED rate and payment you and your family will ALWAYS be able to afford.



I can APPROVE you on the same phone call within 10-15 minutes of your time.



Please have all of your income information ready and tell me how many 30 day mortgage lates you have had in the last 12 months.



Thank you, I very much look forward to approving you.



Michael Rocco

FHA Mortgage Consultant





(631) 756-8769 LEAVE A MESSAGE





E-mail - michael.rocco@sterlingnational.com



-EQUAL HOUSING LENDER-