1st American Trust is pleased to announce that they have partnered with the Maryland Real Estate Team to pass our services and savings on to you. We are happy to be a part of the team and look forward to providing educational union members in Maryland with the most enjoyable home buying experience possible.
DISCOUNTS
1st American Trust is offering AEL, TAAAC, SAAAAC, TABCO, BACE, and QACE members exclusive discounts on all loan programs including FHA, VA, and Conventional, as well as Conforming/FHA Jumbo loans. This includes all adjustable and fixed rate programs. We are offering our clients 2 discounted financing options.
We are offering a lender paid 2-1 buy down. This means we will discount the rate 2% the first twelve months, and an additional 1% for the next twelve months. This means on a $300,000 loan, the buy down saves you $500/month, $6,000 a year, and $9,000 altogether.
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We are also offering a rate reduction of .25% for the life of the loan. The .25% rate reduction saves $46 per month, $552 per year, and $16,500 over the life of the loan.
In order to find the program that best fits your specific needs, we offer a 90 minute In-Depth Review to all 1st Time Home Buyers. We can help first-time homebuyers with credit scores as low as 540 because we work with 63 different investors with many loan programs not available to most “larger lenders.”
1st American Trust will continue to offer benefits to all members of AEL, TAAAC, SAAAAC, TABCO, BACE, and QACEA even after your home has been purchased. It would be our pleasure to offer these services to your friends and family as well.
We will provide these 7 free analyses:
1. A Free Credit Report - We will provide a copy of your credit report. We will review it with you for accuracy to prevent fraud and identity theft.
2. Credit Score Optimization - We will review your credit and make recommendations on how to improve your score using our proprietary software.
3. Comparative Market Analysis - We will provide a free estimated value report of your home so you know what your equity position is.
4. Effective Percentage Rate (EPR) Analysis' - We will review your existing annual interest expense and see if there's an opportunity to increase your tax deductions, reduce your annual interest expense and improve your monthly cash flow.
5. Mortgage Toxicity Analysis - We will review your existing mortgage and review any terms you are unfamiliar with and make sure you understand exactly where you stand.
6. Financial Independence Plan - We will create a personalized strategy for you to make sure you're on your way to Financial Freedom.
7. Automated Rate Watch Service - We will discuss with you what lower rate may justify a refinance and then alert you when rates drop to that point. You never need to watch the markets because we do it for you.
CONTACTs
Brandan C. Moffett
1st American Trust Mortgage
Sales Manager
