FHA + refinance + low credit scores refinance + poor credit refinance + mortgage + little equity refinance + bad credit refinance + Government refinance + lower payment refinance + cash out refinance + fixed rate + low fixed rate + lower payment + consolidate debt + payoff debt + mortgage crisis + FHA




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

CALL TODAY TOLL FREE –

(888) 886-0728 EXT. 109 or ASK for MICHAEL ROCCO EXT. 109

or CALL (631) 767-5211

E-mail – michael.rocco@sterlingnational.com


Do you have LOW credit scores??? – I can still help you



Do you have BAD or POOR credit??? – 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 a 30 year 5.5 – 7% FIXED






Are you having trouble making your monthly mortgage payments? Refinance now with a FHA Refinance, the best option for those stuck in Sub prime or adjustable rate mortgages (ARMS).


Have you heard of an FHA Mortgage???

FHA stands for Federal Housing Administration -
An FHA mortgage is insured by the United States Government – which takes the risk away from us the lender which in turn allows us to give you a LOW + FIXED rate even if you have bad credit.





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



(Please mention this ad)





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 FHA REFINANCE PROGRAM IS TRYING TO HELP YOU



CALL MICHAEL ROCCO Today -

TOLL FREE – (888) 886-0728 EXT. 109 or ASK FOR MICHAEL ROCCO EXT. 109
OR (631) 767-5211

E-mail – michael.rocco@sterlingnational.com




You can use our Government FHA Mortgage Program to:

1) Lower your payment

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

3) Get Cash back for any reason – With cash back we can go up to 95% (Home Improvement)

4) Convert Your Adjustable Rate into a FIXED (Interest Rates are on the rise and so will your payment)





--I am Fully Charted and Licensed in ALL States





CALL TOLL FREE – (888) 886-0728 EXT. 109 OR ASK FOR MICHAEL ROCCO EXT. 109


--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




--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






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) So if interest rates fall you can take advantage of lowering your interest rate


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 with NO closing costs – This makes it easier to sell your home and get a higher purchase price


“The United States Government is attempting to prevent future foreclosures. Currently 1 in every 15 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, 6/12/2008


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.


WHAT DO YOU NEED TO HAVE READY?
Please have all of your income information ready, an idea of what your credit score is, 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



CALL TODAY TOLL FREE – (888) 886-0728 EXT. 109 OR ASK FOR MICHAEL ROCCO Extension 109


(631) 767-5211 – Direct Office Line


E-mail - michael.rocco@sterlingnational.com


Equal Housing Lender

Equal Opportunity Lender