Hello, my name is MICHAEL ROCCO and I’m a FHA Mortgage Consultant.



By now I’m sure many of you have heard of the current MORTGAGE CRISIS. Many homeowners like yourself are trapped in adjustable rate mortgages or high interest rates. You may also owe almost what the house is worth.



THE GOOD NEWS IS THE GOVERNMENT IS TRYING TO HELP YOU



Call / E-mail Michael Rocco

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



Have you heard of an FHA Mortgage?

A FHA mortgage is insured by the United States Government – which takes the risk away from us The Lender and allows us to give you a LOW, FIXED rate even if your credit is poor.





Do you have a LOW credit score? – I can still help you



Do you have little to no equity in your home? – I can still help you



Do you want a Low and Fixed rate? – I can approve you for 6.5 – 7% FIXED





--I am 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 580 you can still be approved



--Even if you have 3 LATES on your mortgage you can still be approved



--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:

1) NO Attorney Fees

2) NO Application Fees

3) NO Processing Fees

4) NO Underwriting Fees

5) NO Wire Transfer Fees

6) NO Paperwork Fees

7) NO Pre-payment Penalty

8) Limited Title Fees

9) NO Mortgage Broker Fee – We are a Direct Lender





You can use our Government Mortgage Program to:

1) Lower your payment

2) Payoff high interest debt (Credit cards, school loans, judgments, tax liens)

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

4) 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 (after 12 months of on time payments)



“The United States Government is attempting to prevent future foreclosures. Currently 1 in every 20 sub-prime borrowers is headed into foreclosure. People are in adjustable rate mortgages that have now went up and they can no longer afford the payments. The FHA mortgage is the best solution to borrowers who are now affected or will soon be affected by the current housing market" – 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.



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 – Office LEAVE A MESSAGE



(631) 767-5211 – Cell



E-mail - michael.rocco@sterlingnational.com





-Equal Housing Lender



-Equal Opportunity Lender