First, I want to thank you personally for entrusting my team at America’s Mortgage Center on purchase or refinance for your home. It may have been months or years but we are surviving this "Mortgage Meltdown" thanks to you. We have had almost 10 years of successfully helping over 4700 families just like yours. Thank you for allowing us to serve you in the past and in the future.

Many lenders, investors and brokers have gone out of business, filed bankruptcy; changed names or ownership and these changes have been very confusing to consumers.

This Mortgage Crisis is difficult to understand. The truth is; People really want to know what exactly this means for them. The election has created much "Political Posturing" and variance of truths in order to create blame. If you have tuned into the recent media you would be led to believe a person wishing to buy or refinance a home might have a very difficult time doing so, possibly impossible to obtain any financing. Although there is some truth to that statement, for the most part, that simply is not the case. Credit requirements have indeed tightened for those that have had some really tough credit challenges that keep their scores below a 580.

There are also still 100% loans (No Down Payment) depending on the area and income levels. Veterans have the ability to use their eligibility to purchase or refinance at extremely low rates also with 100% financing. The fact is Mortgage Loans are basically business as usual with a few new credit requirements.

My industry has been bruised by many large corporations, politicians and individuals that have looked out for their own interests. Many of them have made lots of money and left the persons committed to our customers and our business to clean up this mess.

I have been in this industry for almost 15 years; I have survived and thrived through the good times and the bad. This is my career and hopes to be my legacy. I constantly fight for the consumers to know the truth and will continue to fight for you;

60% percent of many families equity comes from owning Real Estate. It is still a great investment (Especially with the turn of events in the stock market) America’s Mortgage Center again thanks you for allowing us to continue to help you and your family with your mortgage needs.