NO B.S. VA Loans

VA Loan Rates, NOV 2

themightyquin — Mon, 02 Nov 2009 17:11:49 +0000

VA Loan Rates for NOV 2,

This weeks highlights include:

30 YR Fixed VA Loan Rates are 5.4% Nationwide
10 YR Treasury note 3.4%
This week we have 4 economic reports scheduled for release, 2 are critical. Listen to this show for the perfect game plan.
Lock all loans scheduled to close within the next 60 days.

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VA Mortgage Rates 10-19

themightyquin — Mon, 19 Oct 2009 15:12:52 +0000

VA Mortgage Rates

This weeks highlights include:

5 Economic reports scheduled to be released
No reports will be released Monday so watch the markets
Tuesday will be the biggest day of the week
10 YR Treasury opened at 3.4% this morning. This is slightly higher than last week.
30YR Fixed Rates are 5.4% PAR nationwide.

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VA Loan Rate Report 10-12

themightyquin — Mon, 12 Oct 2009 16:52:35 +0000

Click Here To Listen Live

This weeks highlights:

30 YR fixed rates 5.38%
10 YR Treasury 3.38%
Prime 3.25%
There are 5 key economic reports scheduled for release this week. All of them are important for anybody in the mortgage market.
Lock all loans scheduled to close within the next 60 days!

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James McDonald “I was truly impressed…”

themightyquin — Fri, 09 Oct 2009 15:14:23 +0000

Aloha Trent,

I want to send out a big Mahalo to you and your staff for your prompt and
courteous response to my Certificate of Eligibility request. I was truly
impressed at the ease of your website in filling out the necessary details
and the call the following day to confirm that you had already forwarded it
to me via email. I feel confident moving forward and working on securing a
VA loan with your organization.

Sincere Regards,

James McDonald

Specialist 4th Class

US ARMY (retired)

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VA Mortgage Rates For 9-28

themightyquin — Mon, 28 Sep 2009 16:46:51 +0000

Click Here To Listen To The Show.

This weeks VA Mortgage Rate Hightlights:

10 YR Treasury Note is currently at 3.32%, down slightly over last weeks close.
30 YR fixed rates currently 5.32% nationwide.
There are six economic reports scheduled to be released.
Key days to watch this week are Tuesday, Thursday, and Friday.
If your in the mortgage market LOCK all loans scheduled to close within the next 60 Days.

VA Loan Rate Watch 9-21

themightyquin — Mon, 21 Sep 2009 19:14:54 +0000

This weeks highlights:

30 Yr. Fixed Rate Loan 5.43%
Prime Rate 3.25%
Expect daily rate changes this week and pay special attention to Friday.
Lock all loans closing within 20 days or less.

VA Mortgage Rate Watch 9-14

themightyquin — Mon, 14 Sep 2009 21:20:46 +0000

This weeks 10 YR treasury note opens at 3.340% up slightly over last week.
30 yr fixed rate note is priced at 5.38%
5 key economic reports scheduled for release this week. This video covers how to handle each of them.
Lock all loans scheduled to close inside of 7 days.
Float loans closing in 8 days to 60 days.

VA Mortgage Rates 9-1

themightyquin — Tue, 01 Sep 2009 17:51:56 +0000

This weeks VA Loan Recap:

Prime Rate 3.25%, 30 yr. fixed rate mortgages are DOWN .20% over last week and closing at 5.4%.

And, for the first time in a while, savvy borrowers have the option to float their loans with the hope of snagging a fantastic last minute deal!

VA Loan Rates 8-24-2009

themightyquin — Mon, 24 Aug 2009 16:27:21 +0000

Every Monday morning we feature the latest VA mortgage rate commentary!

Seven Strategies for Investing During Volatile Markets

JacobLee — Thu, 20 Aug 2009 19:45:17 +0000

Quin’s Note: Please give Jacob Lee a warm round of applause and welcome him to our site! Jacob is a top level financial adviser working at Morgan Stanley Smith Barney in New York City. Jacob has a background in nuclear engineering and best of all….he’s a Navy vet! (Which is perfect because I know he’ll fit right in with the rest of us squids.) If you have questions contact Jacob Lee at (212) 315-6316. I know his expertise will benefit us all!

The markets don’t always behave the way we’d like them to: Geopolitical turmoil, natural disasters, interest rates and world events can have a profound effect on market movements. If recent market volatility has you concerned about the economy, you are not alone; this is a confusing time for many investors. Some have decided to stay the course, while others are sitting on the sidelines waiting for the market to rebound. However, since no one can predict how the markets will perform, it’s important to develop an investment strategy that can help you stay on the right track to meeting your long-term financial goals. Here are some strategies that you can implement today, that may help to manage risk during these uncertain times.

Work with a Financial Advisor. There are a lot of do-it-yourself investment resources available to investors today. However, none of those resources can replace the experienced, personal service a Financial Advisor provides. A Financial Advisor can offer an understanding of your complete financial picture, not just your investments. Additionally, in periods of market volatility when you need the most support, a Financial Advisor can provide:

Access to important decision-making research and information;

Ongoing monitoring of your investment portfolio, while anticipating your changing needs; and

A comprehensive market-volatility plan.

Have a plan. Developing a financial plan is one of the best ways to meet your long-term goals. Your plan should also include an action plan to address market volatility, which should be developed well in advance of a turbulent market. Having a market-volatility plan will help you to set realistic goals and appropriately manage your return expectations.

Invest regularly. It may not seem intuitive, but investing regularly—even during market downturns—can help to reduce your overall costs. Dollar cost averaging is one of the best ways to invest regularly, since you’re investing a fixed amount on a fixed schedule, regardless of how the markets perform. Investing regularly can also have intrinsic benefits: It encourages discipline and may also ease the anxiety of daily market fluctuations.

Diversify. If you’ve ever heard the saying, “Don’t put all your eggs in one basket,” then you already have a basic understanding of diversification. Diversifying your portfolio can reduce risk and volatility if the assets have little or no correlation to each other.

Investing in mutual funds is one way to achieve portfolio diversification, since mutual funds are typically a diversified investment. There are also several other ways to diversify and potentially reduce portfolio volatility:

Within an asset category, such as purchasing different types of mutual funds;

Among asset categories, such as purchasing stocks and bonds; and

Outside of the United States, since some markets move opposite to the US stock market.

Put volatility to work for you. Do you think of the glass as half empty or half full? Your perspective can affect the investment decisions you make during market downturns. Investors who view market volatility negatively can make irrational decisions. A down market can be an opportunity for you to build your portfolio and take advantage of lower unit costs.

Stay invested. You are probably anxious during times when the value of your investments has decreased. As a result, you may be tempted to move out of the market, sit on the sidelines and wait for the market to rebound. However, since no one knows how the markets will move, how do you know you’re leaving at the right time? Also, how will you know when it is the right time to get off the sidelines and start investing again?

If you have worked with a Financial Advisor, your investment strategy was developed to help you meet your long-term goals. Timing the market could potentially jeopardize your financial plan—and your future goals.

Be patient. There will always be uncertainty in the markets; market volatility is a natural part of the investment cycle. Although it may take some time, markets do rebound.

In the meantime, call your Financial Advisor to help you develop an action plan for market volatility and continue to focus on your long-term investment goals rather than short-term market moves.

Jacob Lee is a Financial Advisor at Morgan Stanley Smith Barney located in New York, NY and may be reached at (212) 315-6316

Asset allocation and diversification strategies do not guarantee a profit or protect against loss.
A periodic investment plan such as dollar cost averaging does not assure a profit or protect against a loss.
International stocks are subject to certain risks of overseas investing including currency fluctuations and changes in political and economic conditions, which could result in significant market fluctuations. These risks are magnified in emerging markets. Mutual fund investments are subject to market risk, including the possible loss of principal. They are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges and expenses, and other information regarding the mutual fund and variable annuity contract and its underlying investments, which should be carefully considered before investing. Prospectuses are available through your Financial Advisor or at www.smithbarney.com. Read the prospectus carefully before you invest or send money.

Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.
© 2009 Morgan Stanley Smith Barney LLC. Member SIPC.

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