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Angie Ramirez

Last Updated: 12/11/2009

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Gender: Female
Status: Single
Age: 29
Sign: Leo

City: Coronita IE
State: California
Country: US
Signup Date: 7/30/2006

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Friday, December 04, 2009

Angie Ramirez Announces 5,000 Client March - Free-Press-Release.com

http://www.free-press-release.com/news-angie-ramir...

Angie Ramirez Announces 5,000 Client March - Free-Press-Release.com
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Angie Ramirez, mortgages, real estate

12:36 AM

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Friday, August 28, 2009

8:24 PM

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Friday, August 28, 2009

Five Wealthiest Women in the World | Socyberty

http://socyberty.com/people/five-wealthiest-women-...

Ladies a must read! 5 wealthiest women in 2008

8:14 PM

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Sunday, March 15, 2009

Los Angeles, Inland Empire and Orange County Listing Agents
Current mood:

determined
Category: Jobs, Work, Careers

Are you a Listing agent with short sales you aren't able to sell or negotaite with the bank?
We can help you!
Bring us all your short sales:
*we will negotiate with the Bank for you
*we will find the buyer
Contact me today for full details angie@angieramirez.com

9:35 PM

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Sunday, March 15, 2009

New Loan Modification changes made March 4th
Current mood:

hopeful
Category: News and Politics

New Loan Modification changes annoucement March 4th
Lenders will strive to adjust the monthly mtg payment to a 31% DTI (using a combination of rate adjustment (rate will NOT be below 2%), term adjustment and principal reduction) ............................
To participate in the loan modification plan, borrowers must: * have obtained their mortgage before Jan. 1, 2009; * have a primary mortgage of less than $729,500; * live in the property; * fully document their income by providing tax returns and pay stubs; * sign a statement of financial hardship; and * go for counseling if their total household debt - including auto loans, credit cards and alimony - totals more than 55% of their income. …..........
The modification program will be in effect until the end of 2012, but loans can only be adjusted once................................
Officials also unveiled more details on how servicers will modify the loans. First, they must reduce interest rates so that borrowers' total house payments are not more than 38% of their monthly income................................
The government will then subsidize servicers dollar-for-dollar to lower that ratio to 31% - but the interest rate can't go below 2%......................................
The new interest rate would then remain in place for five years, after which it will increase by 1 percentage point a year until it reaches either the original rate or the prevailing mortgage rate, whichever is lower..................................
If rate reductions aren't enough to get payments to 31% of income, a lender can extend the term up to 40 years, or shift part of the principal to the end of the loan at no interest. Servicers also have the option of reducing the loan's balance..........................
Borrowers do not have to be behind on their mortgage, only demonastrate a hardship which may cause them to fall behind.

9:28 PM

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Sunday, March 15, 2009

Our Government's Latest Announcement
Current mood:

hopeful
Category: News and Politics

Our Government's Latest Announcement

<?XML:NAMESPACE PREFIX = O />....

Do I Qualify?

Only homeowners in good standing whose loans are held by Fannie Mae or Freddie Mac qualify.
The property must be owner-occupied and the borrower must have enough income to make payments on the new mortgage debt.
Borrowers can’t owe more than 105 percent of their home’s current value on their first mortgage. For example, if your home is worth $200,000 your first mortgage can’t exceed $210,000.
Homeowners can’t take cash out during the refinancing to pay other debt.
Borrowers have until June 2010 to apply for the program.

.. ..

How do I know if my mortgage is owned by Fannie Mae or Freddie Mac?

Call your current lender or mortgage or mortgage servicer. You can find the phone number on your monthly mortgage statement or coupon book.

....

What borrowers qualify for the modification program?

You don’t have to be behind on your mortgage payments to qualify. Delinquent borrowers and current borrowers who are at risk of imminent default are both eligible.
The program applies to mortgages made Jan 1 or earlier. The mortgage payment including taxes, insurance and homeowners association dues must exceed 31 percent of the borrowers’ gross monthly income.
The property must be the homeowner’s primary residence. It can’t be investor-owned, vacant or condemned. Home loans for single-family properties that are worth more than $759,750 don’t qualify.
The program is voluntary, relying on a $75 billion subsidy to encourage mortgage companies to participate. Lenders must agree to reduce loan payments to 38 percent of a borrower’s monthly income. After that, the government and lender split the cost of bringing the payment down to 31 percent.
Eligible borrowers will have to provide their most recent tax return and two pay stubs as well as an “affidavit of financial hardship” to qualify for the loan modification program. In the affidavit, applicants will have to cite the reasons behind their financial woes, such as job loss or a drop in income.
Borrowers are only allowed to have their loans modified once. The program runs through Dec 31, 2012.

.. ..

What if I’m in bankruptcy or in active litigation over my mortgage?

That doesn’t necessarily keep you from qualifying for the modification program. And borrowers in active litigation can modify their home loans with waiving their legal rights.

.. ..

What do I do to get help?

For the modification program, call your lender or mortgage servicer to see if you’re eligible. For the refinance program, first find out if your mortgage is held by Fannie Mae and Freddie Mac.

.. ..

How soon can I get help?

These programs are in effect right now. You can apply right away! Contact me.

.. ..

What if I don’t qualify for either program – is there any other way to get help with a mortgage?

A short sale is where homeowners sell houses for less than the amount owned on them and the lender then considers the debt paid off. A deed-in-lieu of foreclosure is where the borrower gives the property to the lender to satisfy a delinquent loan and to avoid foreclosure proceedings.

....

Do FHA, VA or USDA home loans qualify for modifications under Obama’s plan?

Federal Housing Administration, Veterans Administration or the US Department of Agriculture are being modified under other programs.

READ BLOG: New Loan Modification changes made March 4th

9:21 PM

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Friday, January 02, 2009

Real Estate Sales and Mortgage Products NewKey Home Lending
Current mood:

focused
Category: Jobs, Work, Careers

Real Estate Sales and Mortgage Products

NewKey Home Lending

Real Estate and Mortgage Agents are you well informed and ready for 2009?

Many things have changed since March 2007 when our infamous stated products slowly faded and FHA made a comeback… What is hot today? Let me share with you what I'm doing.

Buyers:

I work with buyers who are eager to capitalize on today's low interest rates and affordable housing. I prospect to 4 clients a day 5 days a week in my area Inland Empire

The mortgage product I stick with is FHA all the way for so many factors. One major one being the awesome rate my client can receive and later I can offer them an FHA streamline which I will touch on under section Refinance.

Example homes in the area I sell are all less than $350,000. So loan amount is within FHA guideline. If buyer is not able to qualify with just their income you can add non- owner occupied co-borrowers. The key is the DTI (debt to income).

If you need ideas on prospecting or want to join me and sub your files with my company contact me angie@angieramirez.com

Refinance:

Well as we all now refinancing is very hard now a days because homes have less value making your LTV surpass lender guidelines.

I've tapped into the FHA streamline niche. I am doing FREE rate and term loans! Who qualifies: homeowners who can proof 12 month housing history and have a current FHA loan and want to do a rate and term not surpassing their current loan amount.

I'm also offering the short pay refi. We handle it all in house.

If you want to learn more about any mortgage products feel to contact me angie@angieramirez.com

NewKey Home Lending Information:

Intro

http://flash.newkeyhomelending.com/flash/Training11.html

Company Information

http://flash.newkeyhomelending.com/flash/Training13.html

Print Packet

http://issuu.com/stepupangie/docs/angie_ramirez_newkey_home_lending

2:31 AM

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Wednesday, December 03, 2008

Want To Start or Grow Your Business?$50,000- $300,000 in Capital
Current mood:

thankful
Category: Jobs, Work, Careers

Want To Start or Grow Your Business

$50,000- $300,000 in Capital

__________________________________________________________________________

We help new, small and medium size businesses! Our banking network is even more important than ever with today's economic hardships! Our attitude is to teach our clients of what to do and not do to get through the corporate process.

Obtain $50k to $300,000 in unsecured corporate credit
Build your corporate credit file
Reduce your personal liability
Protect from corporate identity theft
Legal and corporate consulting for your business

No age requirement! No shelf corporation required! No income documentation!

Required: a 700+ credit score or a credit partner (family member or business partner)!

A no credit requirement program is available – it's the "Business Credit Builder" program.

Call for a no obligation consultation today!

Gratefully, Angie Ramirez Real Estate, Mortgage & Business Planner

877-355-2904

12:51 PM

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Thursday, November 20, 2008

What Is a Short Pay Refi and is it for my clients (or myself)
Current mood:

thankful
Category: Goals, Plans, Hopes

What's a Short-Pay Refi?

The Short Payoff Refinance is done using a standard FHA Loan Program. This process is similar to a short sale. The difference is instead of the owner-occupied property being sold, it is refinanced with a new lender.

A Short-Pay Refi is unique in that it allows the borrowers to keep their home, lower their payments and eliminate the upside down equity in their homes while reducing their principal.

What's the Process

It's critical to build a relationship with the borrower's lender. If there are two, you will want to engage both primary and secondary lien holders/servicers at the same time because all parties will need to approve the demands.

Whats so great is we handle all the negotations for you. So our negotation department builds credibility witht previous lenders and the entire process becomes easier. We let them know your intent to re-negotiate the negative equity on the borrower's behalf. More and more lenders are open to this process.

The transaction itself is mostly a three part process. Negotiations are done by our Negotiating company lead by Chad in conjunction with the borrower and the lien holder.

First you and your appraiser need to establish the actual current value of the home. Next, we underwrite your borrower through Total Scorecard to the maximum ltv for that new value and issue our preliminary approval. Now, armed with your appraisal and our loan approval, Chad and your borrower can enter into equity re-negotiations with the bank/loan servicer for a discount on the current mortgage.

Once the bank/loan servicer accepts the offer presented and issues the shortened pay-off demand, we can complete the new loan transaction with the final underwrite, lock and go to docs and fund.

Who should get a Short-Pay Refi?

For those borrowers that still have decent credit scores, income and no mortgage lates but do to a decline in the value of their home (owing more than it's worth), a Short-Pay Refi is the perfect solution.

Aside from the decrease in the home's value, there are certain scenarios where the current lender will be more open to the proposal, for instance where there are financial challenges on behalf of the borrower and where default may be imminent due to these challenges or where the mortgage interest rate is scheduled to adjust upward.

You may also want to take into account loan costs when negotiating the short payoff amount. Find out if there are any liens on the property, which can pose problems for the loan approval process, including tax and/or mechanic's liens.

Remember, we intend to refinance the borrower into a low fixed rate FHA loan at the highest LTV (up to 97%ltv) possible. Please note that HUD/FHA loan limits per county do apply. This allows the borrowers to put the brakes .. everything gets away from them and spins out of control.

After the transaction is complete and the lien holder is paid off, it's completely up to that lien holder as to how they are going to rate the paid-off mortgage to the credit bureaus and as the loan officer you must explain this to your client. Depending on the lender, it may be filed as: Paid In Full, Settled, Charged-off, Paid for Less than Balance, etcetera.

This should be something they would want to discuss during the negotiations.

Opportunity to Serve Our market

There is a huge window of opportunity to serve all the clients in your community to start of with. So many people are upside down on their morgages and would love to pay monthly base don the current value of their home. That's where NewKey Home Lending and the Short Pay Refi option along with our negotating deaprtment come in. We help you with the support, expertise and care for your clients dreams and expectations.

Feel free to contact me with any questions: angie@angieramirez.com

Looking forward to helping you serve your clients and helping you gt back tot he lifestyle you deserve!

Gratefully,

Angie Ramirez

3:01 AM

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Monday, November 10, 2008

Before you do or you don’t... words of encouragement from the Word
Current mood:

awake
Category: Goals, Plans, Hopes

1 Corinthians
Chapter 7

1: ¹ ² ³ Now in regard to the matters about which you wrote: "It is a good thing for a man not to touch a woman,"
2: but because of cases of immorality every man should have his own wife, and every woman her own husband.
3: The husband should fulfill his duty toward his wife, and likewise the wife toward her husband.
4: A wife does not have authority over her own body, but rather her husband, and similarly a husband does not have authority over his own body, but rather his wife.
5: Do not deprive each other, except perhaps by mutual consent for a time, to be free for prayer, but then return to one another, so that Satan may not tempt you through your lack of self-control.
6: This I say by way of concession, ⁴ however, not as a command.
7: Indeed, I wish everyone to be as I am, but each has a particular gift from God, ⁵ one of one kind and one of another.
8: ⁶ Now to the unmarried and to widows, I say: it is a good thing for them to remain as they are, as I do,
9: but if they cannot exercise self-control they should marry, for it is better to marry than to be on fire.
10: To the married, however, I give this instruction (not I, but the Lord): ⁷ a wife should not separate from her husband
11: --and if she does separate she must either remain single or become reconciled to her husband--and a husband should not divorce his wife.
12: To the rest ⁸ I say (not the Lord): if any brother has a wife who is an unbeliever, and she is willing to go on living with him, he should not divorce her;
13: and if any woman has a husband who is an unbeliever, and he is willing to go on living with her, she should not divorce her husband.
14: For the unbelieving husband is made holy through his wife, and the unbelieving wife is made holy through the brother. Otherwise your children would be unclean, whereas in fact they are holy.
15: If the unbeliever separates, ⁹ however, let him separate. The brother or sister is not bound in such cases; God has called you to peace.
16: For how do you know, wife, whether you will save your husband; or how do you know, husband, whether you will save your wife?
17: ¹⁰ Only, everyone should live as the Lord has assigned, just as God called each one. I give this order in all the churches.
18: Was someone called after he had been circumcised? He should not try to undo his circumcision. Was an uncircumcised person called? He should not be circumcised.
19: Circumcision means nothing, and uncircumcision means nothing; what matters is keeping God's commandments.
20: Everyone should remain in the state in which he was called.
21: Were you a slave when you were called? Do not be concerned but, even if you can gain your freedom, make the most of it.
22: For the slave called in the Lord is a freed person in the Lord, just as the free person who has been called is a slave of Christ.
23: You have been purchased at a price. Do not become slaves to human beings.
24: Brothers, everyone should continue before God in the state in which he was called.
25: Now in regard to virgins, I have no commandment from the Lord, ¹¹ but I give my opinion as one who by the Lord's mercy is trustworthy.
26: So this is what I think best because of the present distress: that it is a good thing for a person to remain as he is.
27: Are you bound to a wife? Do not seek a separation. Are you free of a wife? Then do not look for a wife.
28: If you marry, however, you do not sin, nor does an unmarried woman sin if she marries; but such people will experience affliction in their earthly life, and I would like to spare you that.
29: ¹² I tell you, brothers, the time is running out. From now on, let those having wives act as not having them,
30: those weeping as not weeping, those rejoicing as not rejoicing, those buying as not owning,
31: those using the world as not using it fully. For the world in its present form is passing away.
32: I should like you to be free of anxieties. An unmarried man is anxious about the things of the Lord, how he may please the Lord.
33: But a married man is anxious about the things of the world, how he may please his wife,
34: and he is divided. An unmarried woman or a virgin is anxious about the things of the Lord, so that she may be holy in both body and spirit. A married woman, on the other hand, is anxious about the things of the world, how she may please her husband.
35: I am telling you this for your own benefit, not to impose a restraint upon you, but for the sake of propriety and adherence to the Lord without distraction.
36: ¹³ ¹⁴ If anyone thinks he is behaving improperly toward his virgin, and if a critical moment has come and so it has to be, let him do as he wishes. He is committing no sin; let them get married.
37: The one who stands firm in his resolve, however, who is not under compulsion but has power over his own will, and has made up his mind to keep his virgin, will be doing well.
38: So then, the one who marries his virgin does well; the one who does not marry her will do better.
39: ¹⁵ A wife is bound to her husband as long as he lives. But if her husband dies, she is free to be married to whomever she wishes, provided that it be in the Lord.
40: She is more blessed, though, in my opinion, if she remains as she is, and I think that I too have the Spirit of God.

10:01 AM

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Thursday, November 06, 2008

If...... Poem must read
Current mood:

hopeful
Category: Goals, Plans, Hopes

Rudyard Kipling
If

If

If you can keep your head when all about you
Are losing theirs and blaming it on you;
If you can trust yourself when all men doubt you,
But make allowance for their doubting too;
If you can wait and not be tired by waiting,
Or, being lied about, don't deal in lies,
Or, being hated, don't give way to hating,
And yet don't look too good, nor talk too wise;

If you can dream - and not make dreams your master;
If you can think - and not make thoughts your aim;
If you can meet with triumph and disaster
And treat those two imposters just the same;
If you can bear to hear the truth you've spoken
Twisted by knaves to make a trap for fools,
Or watch the things you gave your life to broken,
And stoop and build 'em up with wornout tools;

If you can make one heap of all your winnings
And risk it on one turn of pitch-and-toss,
And lose, and start again at your beginnings
And never breath a word about your loss;
If you can force your heart and nerve and sinew
To serve your turn long after they are gone,
And so hold on when there is nothing in you
Except the Will which says to them: "Hold on";

If you can talk with crowds and keep your virtue,
Or walk with kings - nor lose the common touch;
If neither foes nor loving friends can hurt you;
If all men count with you, but none too much;
If you can fill the unforgiving minute
With sixty seconds' worth of distance run -
Yours is the Earth and everything that's in it,
And - which is more - you'll be a Man my son!

8:10 AM

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Wednesday, October 01, 2008

No Fear is bigger than my Dreams!
Current mood:

thankful
Category: Goals, Plans, Hopes

Hi All,

Being the last quarter of the year 2008 it has been more of a marathon than a Sprint..... December will be a sprint

What have I been doing different today to make my 2009 an incredible arrival-

It is an honor to share with you: Living a balanced life that includes God, My Family, Me time, My purpose in helping others in making an impact in our world, and my Career.

Its no secret! If you read any biography of the most ifluential most inspiring most life changing human beings that ever walked this beautiful earth of ours followed a formula. Taking care of business in their spiritual, health, relational and financial worlds.

You too can have the best last Quarter of 2008. How? watch the history channel, the biography channel, google the people who inpsire you the most and read their testimonial of how they reached the level they are at and you too can have anything your heart desires.

1:31 AM

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Wednesday, September 17, 2008

How 2 Join Our NewKey Step Up Team
Current mood:

optimistic
Category: Jobs, Work, Careers

So you are ready to take hold of your Future.

Did you read or see something on my page that caught your inspiration to want to Step Up? Congratulations.

After reviewing our NewKey video under About Me the next step is to sign up:

Here is the link

https://www.newkeyhomelending.com/SignUp.aspx?wid=670ddc03-e9fa-426a-ae61-1b7154684a95&ID=5234

copy and paste in your browser email me when you are complete or if you have any other questions stepupangie@gmail.com

6:33 AM

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Friday, September 12, 2008

If you can’t refi- Modify
Current mood:

thankful
Category: Jobs, Work, Careers

Have your customers work with an experienced company for their loan modification.
Does your borrower owe more than the value of their home?

Is their credit bad?

Can't get them refinanced?

Are there payment going up?

You can help your borrower save their home!

This is not a loan!

Our loan modification department will renegotiating their mortgage with their current lender.

Bad credit OK.

Behind on payments OK.

Help your borrower today, keep a client for life!

For complete details go to our site: