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Wrong Tammy Rowe?

Tammy L. Rowe

Independent Insurance Adjuster- All Lines Texas, West Virginia and North Carolina

T Rowe Financial Services

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T Rowe Financial Services

Background Information

Employment History

Government Contract Specialist

US Navy

Senior Counselor

WV Bureau of Child Support Enforcement

Mortgage Broker and Insurance Agent

WV Five Star Mortgage Corp-Owner

Web References (14 Total References)

"This has been a phenomenal year ... [cached]

"This has been a phenomenal year in the mortgage industry," said Tammy Rowe, a mortgage broker who operates West ...

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Should you refinance your mortgage? [cached]

"This has been a phenomenal year in the mortgage industry," said Tammy Rowe, a mortgage broker who operates West Virginia Five Star Mortgage Corp.

Rowe said a refinancing frenzy started following the Sept. 11 terrorist attacks, when rates became volatile and dropped.She said three groups of customers are prime candidates for refinancing:
n People who took out fixed-rate mortgages in 1998 and 1999 with interest rates of 8.25 percent to 8.5 percent, who may refinance to take advantage of rates that are considerably lower. n People with adjustable rate mortgages who may refinance with a fixed-rate mortgage.
"With an adjustable rate mortgage, you're playing the market, taking a risk, because when the mortgage adjusts, it will adjust to whatever the market is at the time, with the cap that is on that particular mortgage," she said.With a fixed rate, mortgage holders are "locked into that one low interest rate for the life of the loan."
n People who are able to drop their private mortgage insurance because they have paid at least 80 percent of the loan value.The insurance on a loan of $ 100,000 amounts to about $ 60 a month, she said.
Rowe said she has made 244 loans over the last several months and almost all of the activity has been in refinancing.She said that because of the rush, it takes 30 to 45 days to close a loan.

Home Loans Apply Online, Home Equity Online Loans, Online Home Equity Loans, Arizona Home Loans Online, Florida Online Home Loans, [cached]

Online loan applications are changing the face of the lending industry, said Tammy L. Rowe, president and owner of West Virginia Five Star Mortgage Corp. in Charleston."They can fax me their W-2s, bank statements and pay stubs," she said.

Auto Insurance in Fairfield County, Connecticut [ CT ] by [cached]

"This has been a phenomenal year in the mortgage industry," said Tammy Rowe, a mortgage broker who operates West ...

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Buyer's Market [cached]

To help offset the sluggish market, lenders have reduced mortgage rates during the past month, said Tammy L. Rowe, president and mortgage broker for West Virginia Five Star Mortgage Corp. in Charleston.

"Rates have been falling for the last five weeks," she said."(Lenders) want to lower the rates to get people interested in buying again."
For Rowe, August has been a slow month, she said.
She does not expect that will continue much longer.This week, the interest rate on a 30-year fixed mortgage was 6.2 percent, she said.The rate on a 10- or 15-year fixed rate loan was 5.75 percent.
"This is the calm before the storm," Rowe said."When the 30year fixed rate drops below 6 percent, we'll see a huge purchasing market start."
Rowe said she expects the 30-year rate to drop to 6 percent sometime next week.
West Virginia is not the only place contending with high home prices and sluggish sales, Rowe said.
"It's a national problem," she said."It's not just locally."
Rowe said the Federal National Mortgage Association and Freddie Mac, the county's two largest mortgage providers, both have experienced declines in earnings recently.
"They know people just can't save that much anymore," Rowe said.
Besides new homebuyers, declining mortgage rates also provide existing owners with the opportunity to refinance, Rowe said.
"The main purpose that people want to refinance is debt consolidation," Rowe said."A lot of people have run up their credit cards on summer vacation and have had to pay school tuition."
Refinancing can lead to a lower interest rate and more available cash, she said.Those who opted for a one-or fiveyear adjustable rate mortgage a few years ago when interest rates were lower have been hit hard in recent months as rates rose, she said.Now they have the opportunity to refinance with a 30-year fixed mortgage to lock in the lower interest rates, she said.
"With an (adjustable rate mortgage), you're playing the market," Rowe said.
Buyers often chose adjustable rate mortgages for two reasons: First, some do not plan to live in the home they are purchasing for long, Rowe said.They envision moving to a larger house within three to five years.Second, because of credit score problems, some do not qualify for the longer-term loans, she said.
"It gets their foot in the door," she said."It gets the home purchased....We can refinance in six months for a fixedrate mortgage."
Getting Ready to Buy
Although some lenders have eased credit requirements, higher credit scores still can mean better rates, Rowe said.She recommends obtaining a credit history report from Equifax, TransUnion or Experian and keeping track of it regularly.
"You can get them online for free," she said.

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