MORTGAGE TIP OF THE DAY:
Remember USDA loans are available for those folks who are buying in the country. 100% financing is available. The property must show up eligible with USDA. Almost NO properties are elgible in Franklin County. A small number of properties south of Grove City are eligible. There is also a section north of Powell, South of Delaware that is eligble. Most of Madison, Licking, and Fairfield Counties are eligible. There is a maximum income limit which is in the upper $60,000 a year for a family of two.

THOUGHT OF THE DAY: (This is the serious part)
“Every company’s greatest assets are its customers, because without customers there is no company.”
Michael LeBoeuf
(1942- )
American business writer

FUN FACTS:
Rubberbands last longer when refrigerated.

Monday, February 6, 2012, 11:15am

Loan Program Rate: APR*: Payment Estimates:

30 Year Fixed 3.875% (same) 3.947% $940.48 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.000% (same) 4.072% $954.85 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.250% (same) 3.498% $1,405.34 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.375% (same) 3.605% $1417.52 Interest and Principal
• Cash out refinance***

Bond Money 3.875% (same) 4.862% $1132.15 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.750% (same) 4.723% $1117.78Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.750% (same) 4.854% $2,180.49 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.285% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 30 day rate lock, $200K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THINGS MY MOM WOULD HAVE SAID:
After experience inferior service, food or products, bring it to the attention of the person in charge. Good managers will appreciate knowing.

Rates and APRs Established By:

STEVE WAGNER Mortgage Consultant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

Blendon Woods, in northeastern Franklin County, has itself seven different trails! All are walkable, and depending on the amount of snow, joggers would be able to run on most of them. There’s even one especially for pet owners: Goldenrod Pet. Goldenrod is available for walkers, joggers, or hikers, and is we mentioned, is pet-friendly. It passes through two meadows, is 1.2 miles in length, and is classified by Metro Parks as “easy”. Sound good? The six other trails—Sugarbush, Brookside, Overlook, Ripple Rock, Hickory Ridge, and Pond—run from one-quarter mile to 2 miles (Hickory Ridge being the shortest, and Sugarbush the longest). Most of the six other trails are listed on Metro Parks’ scale as “easy”, with Sugarbush and Brookside having a “moderate” rating as well. Cross-country skiers will delight in that the longest trail, Sugarbush, is for you!

The Blendon Woods trails have a variety of surfaces, from grass to crushed limestone compacted to paved (Pond). Four of the seven have connector trails. What an amazing array, all in one area! In the Winter, the trails open at 6:30 a.m. and close at 8 p.m.

Metro Parks makes good use of the trails, as it has programs that run year-round, taking you on various outdoors adventures. Blendon Woods has two programs coming up on Saturday, February 4th and Sunday, February 5th. These are not the only programs available at Blendon Woods, nor through Metro Parks, but we wanted to cover these two in this article.

On the Saturday, there’s a special 2-mile winter hike that takes you to Thoreau Lake and the Nature Center. For those with boundless energy, there are off-trail segments that will add on another 2 or 4 miles for you! Chicken soup will be waiting for you when you’re done! There is no charge for this program, and it’s open to youth, teens, adults, and seniors. Bird lovers: on the Sunday, you can get in on the Audubon Bird Hike. Don’t forget your binoculars as you wonder around the various trails in search of winter waterfowl. There is no charge for this event either, and it’s open to teens, adults, and seniors. Neither program is wheelchair accessible.

If you’d like more information on either of these weekend programs, or would like to reserve your spot, please phone Metro Parks at (614) 508-8111. We suggest you do phone, as you’ll need to know where to meet when you get there. Both events start at 10 a.m. You can also pop over to the main Blendon Woods events page which is at MetroParks.

MORTGAGE TIP OF THE DAY:
Franklin County Real Estate taxes for 2011 came out yesterday. Go to the Franklin County Auditor and see what happened to your taxes.

THOUGHT OF THE DAY: (This is the serious part)
“Thanks to the interstate highway system, it is now possible to travel across the country from coast to coast without seeing anything.”
Charles Kuralt

FUN FACT:
Reno, Nevada is located further west than Los Angeles.

The Martin, Traxler & Wagner Real Estate Finance Team of
Priority Mortgage Corp.

Wednesday, December 21, 2011, 11:20am

Loan Program Rate: APR*: Payment Estimates:

30 Year Fixed 4.000% (same) 4.135% $954.85 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.125% (same) 4.261% $969.30 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.375% (same) 3.605% $1417.52 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.500% (same) 3.731% $1429.76 Interest and Principal
• Cash out refinance***

Bond Money 3.750% (same) 4.751% $1117.91 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.875% (same) 4.723% $1132.15 Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 5.125% (same) 5.174% $2,275.97 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.285% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 30 day rate lock, $200K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THE GOLDEN BOOK by Dale Carnegie
Break the Worry Habit Before It Breaks You:
Don’t fuss about trifles.

THINGS MY MOM WOULD HAVE SAID:
When you arrive at your job in the morning, let the first thing you say brighten everyone’s day.

Rates and APRs Established By:

ROB MARTIN Mortgage Consultant
614-975-2342…rob@martin-traxler.com

TERRY TRAXLER Mortgage Consultant
614-783-2233…terry@martin-traxler.com

STEVE WAGNER Marketing Assistant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

The finest compliment we can ever receive is the referral of your friends, family and business associates. Thank you for your trust.

Priority Mortgage Corp. – Quality Service Since 1984
Top 25 Residential Mortgage Lender as published by Business First
150 E Wilson Bridge Rd, Ste 350, Worthington, Ohio 43085

MORTGAGE TIP OF THE DAY:
Priority Mortgage has available USDA loans. Those loans are made to properties outside City Areas. We will go over in the next few days some of the advantages and disadvantages of this program:
1. There are very few properties in Franklin County that can be financed under the USDA.
2. The property does not need to be a farm, it can be any property in the USDA boundry.
3. 100% financing is available.
4. Their is an upfront funding fee of 2% like a VA loan. That fee can be paid by the buyer or financed into the loan.
5. There is also a monthly funding fee of .30% (Loan amount times .0030 divded by 12). Similiar to PMI and MIP but called a different name.
6. USDA has a maximum income limit but it tends to be higher than OHFA.
7. The seller may pay up to 3% of the buyers closing costs, prepaids and funding fee.

Contact us for that next property you are selling outside of Franklin County to see if it qualifies for USDA.

THOUGHT OF THE DAY: (This is the serious part)
“You always pass failure on the way to success.”
Mickey Rooney

FUN FACT:
Soap operas were so named because most of the sponsors were soap companies.

Friday, December 9, 2011, 10:50am

Loan Program Rate: APR*: Payment Estimates:

The Martin, Traxler & Wagner Real Estate Finance Team of
Priority Mortgage Corp.

30 Year Fixed 3.875% (-.125) 3.947% $940.48 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.000% (-.125) 4.072% $954.85 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.375% (same) 3.498% $1417.46 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.500% (same) 3.624% $1429.76 Interest and Principal
• Cash out refinance***

Bond Money 3.750% (same) 4.751% $1117.91 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.875% (same) 4.723% $1132.15 Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.875% (same) 4.980% $2,212.10 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.311% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 30 day rate lock, $200K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THE GOLDEN BOOK by Dale Carnegie
Principles from “How to stop worry and start living”:
How to face trouble: Try to improve on the worst.

THINGS MY MOM WOULD HAVE SAID: (by popular demand, her words of wisdom are coming back)
Keep expectations high.

Rates and APRs Established By:

ROB MARTIN Mortgage Consultant
614-975-2342…rob@martin-traxler.com

TERRY TRAXLER Mortgage Consultant
614-783-2233…terry@martin-traxler.com

STEVE WAGNER Marketing Assistant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

The finest compliment we can ever receive is the referral of your friends, family and business associates. Thank you for your trust.

Priority Mortgage Corp. – Quality Service Since 1984
Top 25 Residential Mortgage Lender as published by Business First
150 E Wilson Bridge Rd, Ste 350, Worthington, Ohio 43085

MORTGAGE TIP OF THE DAY:
Priority Mortgage has available USDA loans. Those loans are made to properties outside City Areas. We will go over in the next few days some of the advantages and disadvantages of this program:
1. There are very few properties in Franklin County that can be financed under the USDA.
2. The property does not need to be a farm, it can be any property in the USDA boundry.
3. 100% financing is available.
4. Their is an upfront funding fee of 2% like a VA loan. That fee can be paid by the buyer or financed into the loan.
5. There is also a monthly funding fee of .30% (Loan amount times .0030 divded by 12). Similiar to PMI and MIP but called a different name.
6. USDA has a maximum income limit but it tends to be higher than OHFA.
7. The seller may pay up to 3% of the buyers closing costs, prepaids and funding fee.

THOUGHT OF THE DAY: (This is the serious part)
“Some cause happiness wherever they go; others whenever they go.”
Oscar Wilde

FUN FACT:
In the US, a baby is born every 8.5 seconds.

Thursday, December 8, 2011, 10:25am

Loan Program Rate: APR*: Payment Estimates:

The Martin, Traxler & Wagner Real Estate Finance Team of Priority Mortgage Corp.

30 Year Fixed 4.000% (same) 4.072% $954.84 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.125% (same) 4.198% $969.30 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.375% (same) 3.498% $1417.46 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.500% (same) 3.624% $1429.76 Interest and Principal
• Cash out refinance***

Bond Money 3.750% (same) 4.751% $1117.91 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.875% (-.124%) 4.723% $1132.15 Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 4.875% (same) 4.980% $2,212.10 Interest and Principal
• 30 Year Purchase and Refinance over $418,000

5/1 ARM 3.000% (same) 3.311% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 30 day rate lock, $200K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THE GOLDEN BOOK by Dale Carnegie
Principles from “How to stop worry and start living”:
How to face trouble: Prepare for the worse.

THINGS MY MOM WOULD HAVE SAID: (by popular demand, her words of wisdom are coming back)
Wave at children on school buses.

Rates and APRs Established By:

ROB MARTIN Mortgage Consultant
614-975-2342…rob@martin-traxler.com

TERRY TRAXLER Mortgage Consultant
614-783-2233…terry@martin-traxler.com

STEVE WAGNER Marketing Assistant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team of Priority Mortgage Corp.

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

The finest compliment we can ever receive is the referral of your friends, family and business associates. Thank you for your trust.

Priority Mortgage Corp. – Quality Service Since 1984
Top 25 Residential Mortgage Lender as published by Business First
150 E Wilson Bridge Rd, Ste 350, Worthington, Ohio 43085

MORTGAGE TIP OF THE DAY:
Priority Mortgage has available USDA loans. Those loans are made to properties outside City Areas. We will go over in the next few days some of the advantages and disadvantages of this program:
1. There are very few properties in Franklin County that can be financed under the USDA.
2. The property does not need to be a farm, it can be any property in the USDA boundry.
3. 100% financing is available.

THOUGHT OF THE DAY: (This is the serious part)
“Happiness is having a large, loving, caring close-knit family in another city.”
George Burns

FUN FACT:
A mosquito’s favorite aroma is aftershave.

Thursday, December 2, 2011, 11:10am

Loan Program Rate: APR*: Payment Estimates:

The Martin, Traxler & Wagner Real Estate Finance Team

30 Year Fixed 4.000% (same) 4.072% $954.84 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.125% (same) 4.198% $969.30 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.500% (same) 3.624% $1429.76 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.625% (same) 3.751% $1442.08 Interest and Principal
• Cash out refinance***

Bond Money 3.750% (same) 4.751% $1117.91 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.990% (same) 4.953% $1146.51 Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 5.000% (-.125%) 5.143% $2,243.91 Interest and Principal
• 30 Year Purchase and Refinance over $417,000

5/1 ARM 3.000% (same) 3.311% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying
off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 30 day rate lock, $200K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THE GOLDEN BOOK by Dale Carnegie
Be a Leader:
Use encouragement. Make the fault seem easy to correct.

Rates and APRs Established By:

ROB MARTIN Mortgage Consultant
614-975-2342…rob@martin-traxler.com

TERRY TRAXLER Mortgage Consultant
614-783-2233…terry@martin-traxler.com

STEVE WAGNER Marketing Assistant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

The finest compliment we can ever receive is the referral of your friends, family and business associates. Thank you for your trust.

Priority Mortgage Corp. – Quality Service Since 1984
Top 25 Residential Mortgage Lender as published by Business First
150 E Wilson Bridge Rd, Ste 350, Worthington, Ohio 43085

MORTGAGE TIP OF THE DAY:
Priority Mortgage has available USDA loans. Those loans are made to properties outside City Areas. We will go over in the next few days some of the advantages and disadvantages of this program:
1. There are very few properties in Franklin County that can be financed under the USDA.
2. The property does not need to be a farm, it can be any property in the USDA boundry.

THOUGHT OF THE DAY: (This is the serious part)
“The one thing I do not want to be called is First Lady. It sounds like a saddle horse.”
Jacqueline Kennedy

FUN FACT:
The most common surname in the U.S. is Johnson.

Thursday, December 1, 2011, 10:55 am

Loan Program Rate: APR*: Payment Estimates:

The Martin, Traxler & Wagner Real Estate Finance Team

30 Year Fixed 4.000% (same) 4.072% $954.84 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.125% (same) 4.198% $969.30 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.500% (same) 3.624% $1429.76 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.625% (same) 3.751% $1442.08 Interest and Principal
• Cash out refinance***

Bond Money 3.750% (same) 4.751% $1117.91 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.990% (same) 4.953% $1146.51 Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 5.000% (-.125%) 5.143% $2,243.91 Interest and Principal
• 30 Year Purchase and Refinance over $417,000

5/1 ARM 3.000% (same) 3.311% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 30 day rate lock, $200K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THE GOLDEN BOOK by Dale Carnegie
Be a Leader:
Give the other person a fine reputation to live up to.

Rates and APRs Established By:

ROB MARTIN Mortgage Consultant
614-975-2342…rob@martin-traxler.com

TERRY TRAXLER Mortgage Consultant
614-783-2233…terry@martin-traxler.com

STEVE WAGNER Marketing Assistant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

The finest compliment we can ever receive is the referral of your friends, family and business associates. Thank you for your trust.

Priority Mortgage Corp. – Quality Service Since 1984
Top 25 Residential Mortgage Lender as published by Business First
150 E Wilson Bridge Rd, Ste 350, Worthington, Ohio 43085

MORTGAGE TIP OF THE DAY:
Priority Mortgage has available USDA loans. Those loans are made to properties outside City Areas. We will go over in the next few days some of the advantages and disadvantages of this program:
1. There is no property in Franklin County can be financed under the USDA.

THOUGHT OF THE DAY: (This is the serious part)
“Be suspicious of any doctor who tries to take your temperature with his finger.”
David Letterman

FUN FACT:
The Bronx is the only part of New York City connected to the mainland.

Wednesday, November 30, 2011, 10:05 am

Loan Program Rate: APR*: Payment Estimates:

The Martin, Traxler & Wagner Real Estate Finance Team

30 Year Fixed 4.000% (same) 4.072% $954.84 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.125% (same) 4.198% $969.30 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.500% (same) 3.624% $1429.76 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.625% (same) 3.751% $1442.08 Interest and Principal
• Cash out refinance***

Bond Money 3.750% (same) 4.751% $1117.91 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.990% (same) 4.953% $1146.51 Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 5.125% (same) 5.231% $2,273.92 Interest and Principal
• 30 Year Purchase and Refinance over $417,000

5/1 ARM 3.000% (same) 3.311% $872.72 Interest and Principal

30 Year Purchase and no cash out refinance

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 30 day rate lock, $200K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THE GOLDEN BOOK by Dale Carnegie
Be a Leader:
Praise the slightest improvement and praise every improvement. Be “hearty in your approbation and lavish in your praise”.

Rates and APRs Established By:

ROB MARTIN Mortgage Consultant
614-975-2342…rob@martin-traxler.com

TERRY TRAXLER Mortgage Consultant
614-783-2233…terry@martin-traxler.com

STEVE WAGNER Marketing Assistant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

The finest compliment we can ever receive is the referral of your friends, family and business associates. Thank you for your trust.

Priority Mortgage Corp. – Quality Service Since 1984
Top 25 Residential Mortgage Lender as published by Business First
150 E Wilson Bridge Rd, Ste 350, Worthington, Ohio 43085

Battelle Darby Creek is the largest of the Metro Parks, occupying just over 7,000 acres, with more 20 miles of riparian forest that span two lovely creeks. In southwestern Franklin County, it’s a wonderful spot to go to get out and enjoy this amazing Fall we’ve been having. On Saturday, at 5:30 p.m., you and your family can head over to Battelle Darby Creek to take part in a one-mile hike in nature, enjoying the wonders of the night (yep, it will be night if you changed your clock back two weekends ago). There is no charge for this activity, and the age range is from toddlers to seniors. There are no reservations required for this event, and you would meet at the Naturalist Office to begin the hike. Note: This event is not wheelchair accessible.

When is the last time you were in a treasure hunt? Did you use GPS? You can now!

If you have some time the afternoon of the 19th, 1 p.m. to be exact, head over to Blacklick Woods in Reynoldsburg (Livingstone Avenue). Starting at the Nature Center, you’ll go on a search for hidden treasures … this search may be different than others you’ve been on before, as it uses portable GPS units! In answer to a question that’s possibly coming up in your mind right now, no, you don’t have to own a GPS unit to get in on the fun. Bring yours if you have one, but otherwise Metro Parks will provide you with one. The age range for this event is from youth (6-12), to teens (13-18), to adults, to seniors (50+). In short, almost everyone can enjoy this unique twist on a timeless activity. There’s no charge, by the way. Blacklick Woods was opened in 1948. It’s one of Metro Parks’ oldest and busiest systems. It has trails that wind through white oak, pine oak, and white ash. Approximately 100 of its over-600 acres are dedicated to beech-maple forest, but there are open meadows along the way so you can enjoy them too.

It’s been the same way for the longest time: children love puppet shows! Well, at Blendon Woods in Westerville, you and your preschoolers can meet at the Nature Center to get in on another no-charge event put on by your Metro Parks system. The date is the 19th, and the start time is 10 a.m. (but you may want to get there a little bit early). When you get there, you and your 3-5 year olds can take in a puppet show about “animal’s ideas of a feast”. Later, you’ll take a brief hike in the woods to see if there are any wild turkeys around.

Like the first two events, no reservations are required for this fun activity. And both the Blacklick Woods and Blendon Woods events are wheelchair accessible (remember, the Battelle Darby Creek night hike is not).

MORTGAGE TIP OF THE DAY:
FHA loans are not just for poor people these days buying houses in bad neighborhoods with poor credit. They are for everyone. The maximum loan in Franklin and surrounding counties is $310,500 with 3.5% down. The rate tends to be a little lower than conventional but the good part is the loan is fully assumable WITH release of liability from the original borrower. That will come in very handy one day when rates have jumped to 5, 6 or 7%.

THOUGHT OF THE DAY: (This is the serious part)
“I distrust those people who know so well what God wants them to do because it always coinsides with their own desires.”
Susan B. Anthony, 1896

TODAY’S FUN FACT:
“Dare to be Free” was the slogan of the American Revolution.

Tuesday, November 8, 2011, 10:20 am

Loan Program Rate: APR*: Payment Estimates:

The Martin, Traxler & Wagner Real Estate Finance Team

30 Year Fixed 4.000% (-.125) 4.072% $477.42 Interest and Principal
• Purchase or rate and term refinance

30 Year Fixed 4.125% (-.125) 4.198% $484.65 Interest and Principal
• Cash out refinance***

15 Year Fixed 3.500% (-.125) 3.624% $714.88 Interest and Principal
• Purchase or rate and term refinance

15 Year Fixed 3.625% (-.125) 3.751% $721.04 Interest and Principal
• Cash out refinance***

Bond Money 4.000% (same) 5.001% $572.42 Int. & Princ. & Mtg Ins.
• First Time Homebuyer Bond Money + 1% origination fee

FHA Fixed 3.990% (same) 4.814% $565.16 Int. & Princ. & Mtg. Ins.
• Purchase or refinance

Jumbo Fixed 5.000% (same) 5.041% $2,244.66 Interest and Principal
• 30 Year Purchase and Refinance over $417,000

LEGAL STUFF

Provided for informational purposes only.

• *APR – Annual Percentage Rate
• **ARM – Adjustable Rate Mortgage (rate may increase after consummation of the loan)
• ***Cash out refinance – Refinance means pulling out at least $2,000 or more or paying off a non-purchase second mortgage

All payments estimates above do not include amounts for property taxes and homeowner’s insurance premiums and your actual payment obligation will be greater.

Annual Percentage Rates and Payment Estimates quoted are based on a $200,000 loan amount except the 5/1 ARM, and Jumbo fixed loan amount is $418,000 and 20% down payment with the exception to the FHA and OHFA quotes which are based on a 3.5% down payment.

Qualifying Assumptions (unless otherwise noted): 45 day rate lock, $100K-$417K loan amount, credit scores 740+, Owner-occupied Purchase or rate/term refinance, 75% loan to value. Cash-out refinances (including paying off a non-purchase 2ndmortgage) could result in a slightly higher interest rate. The interest rates quoted are to serve as a guide only and may be different based on specific loan features. Please call for a specific quote.

We CANNOT lock in an interest rate on a loan with a voicemail or email. The customer MUST talk to the loan officer over the phone or in person before it can be confirmed. The market changes too frequently.
We recommend calling during business hours to make sure we have all the markets open and available.

THE GOLDEN BOOK by Dale Carnegie
Win People to Your Way of Thinking:
Get the other person saying “yes, yes” immediately.

Rates and APRs Established By:

ROB MARTIN Mortgage Consultant
614-975-2233…rob@martin-traxler.com

TERRY TRAXLER Mortgage Consultant
614-783-2233…terry@martin-traxler.com

STEVE WAGNER Marketing Assistant
614-445-6667…stevewagner@stevewagnermortgage.com

The Martin, Traxler & Wagner Team

888.332.5301 Toll Free
614.474.8050 Fax
www.prioritymortgage.com

The finest compliment we can ever receive is the referral of your friends, family and business associates. Thank you for your trust.

Priority Mortgage Corp. – Quality Service Since 1984
Top 25 Residential Mortgage Lender as published by Business First
150 E Wilson Bridge Rd, Ste 350, Worthington, Ohio 43085