The Mortgage Market Insider<\/title><br \/>\n <meta content=\"text\/html; charset=iso-8859-1\" http-equiv=\"Content-Type\"><br \/>\n <\/head><br \/>\n <body link=\"#206a99\" vlink=\"#666666\" jquery1294766823541=\"85\" jquery1294685993761=\"24\" jquery1294681168986=\"35\" jquery1294675621123=\"34\" jquery1294599008333=\"24\" jquery1294517124402=\"131\" jquery1292345793197=\"181\" jquery1292270559159=\"65\" jquery1292426942648=\"128\" jquery1292433328810=\"42\" jquery1292433586334=\"36\" jquery1292433714408=\"36\" jquery1289938165532=\"24\" jquery1289923093949=\"105\" jquery1285259348641=\"24\" jquery1285259127449=\"24\" jquery1285257792262=\"44\" jquery1285254940259=\"48\" jquery1285254874601=\"34\" jquery1285203758854=\"144\" jquery1285202308897=\"38\" jquery1285195283216=\"38\" jquery1285195183073=\"24\" jquery1285174784566=\"34\" jquery1285173985364=\"24\" jquery1285173554351=\"42\" jquery1285173406309=\"24\" jquery1285172544779=\"34\" jquery1285117970782=\"49\" jquery1285166452029=\"39\" jquery1288381258793=\"135\" jquery1288548942886=\"56\" jquery1288626880813=\"125\" jquery1288714079658=\"36\" jquery1288714395882=\"67\" jquery1294848573543=\"91\" jquery1295368291875=\"118\" jquery1295388740859=\"47\" jquery1295453883043=\"125\" jquery1295459101439=\"73\"><br \/>\n <center><\/p>\n<table style=\"width: 577px; height: 4490px;\" width=\"577\" cellspacing=\"0\" cellpadding=\"0\" bordercolor=\"#003264\" border=\"1\"><\/p>\n<tbody>\n<tr>\n<td valign=\"top\" background=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" align=\"right\"><a href=\"[f2f_url]\"><img loading=\"lazy\" decoding=\"async\" height=\"23\" width=\"161\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/hdr_forward.jpg\" alt=\"\"><\/a><a target=\"_blank\" href=\"http:\/\/community.icontact.com\/p\/michaeldeery2\"><img loading=\"lazy\" decoding=\"async\" height=\"23\" width=\"148\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/hdr_browser.jpg\" alt=\"\"><\/a><a target=\"_blank\" href=\"mailto:mdeery@citywidefinancialcorp.com\"><img loading=\"lazy\" decoding=\"async\" height=\"23\" width=\"79\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/hdr_email.jpg\" alt=\"\"><\/a> <img loading=\"lazy\" decoding=\"async\" height=\"23\" width=\"112\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/hdr_call.jpg\" alt=\"\"> <\/td>\n<\/tr>\n<p><\/tbody>\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" style=\"width: 618px; height: 158px;\" height=\"158\" width=\"618\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/header.jpg\" alt=\"\"><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td>\n<table style=\"width: 619px; height: 23px;\" width=\"619\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\">\n<tbody>\n<tr>\n<td bgcolor=\"#3399cc\" align=\"left\"> <strong><font color=\"#ffffff\"><em>A Bi-weekly Mortgage & Real Estate Ezine To Keep You Current<\/em><\/font> <\/strong><\/td>\n<td bgcolor=\"#3399cc\" align=\"right\"><font color=\"#ffffff\"><strong><\/strong><\/font> <img loading=\"lazy\" decoding=\"async\" height=\"12\" width=\"34\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/date_star.jpg\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\"> <strong><font color=\"#ffffff\">Sept 20th<\/font><font color=\"#ffffff\">, 2011<\/font><\/strong> \n <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td><\/p>\n<table style=\"width: 614px; height: 4226px;\" width=\"614\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\">\n<tbody>\n<tr>\n<td width=\"409\" valign=\"top\" align=\"left\"><\/p>\n<table style=\"width: 382px; height: 4206px;\" width=\"382\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\"><\/p>\n<tbody>\n<tr>\n<td height=\"26\" width=\"380\" valign=\"middle\" bgcolor=\"#206a99\">\n<div><font face=\"Times New Roman, Helvetica, sans-serif\"><font size=\"4\"><font color=\"#ffffff\"><strong>3 Tips That Will Help You Close More VA Transactions<br \/>\n <\/strong><\/font><\/font><\/font><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><\/p>\n<table height=\"1999\" width=\"386\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"20\" width=\"5\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<td valign=\"top\">\n <\/td>\n<td>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/div>\n<div><font size=\"2\" face=\"Verdana\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Dear [fname]<\/font><\/font><\/font><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">, <br \/>\n <\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Did you know there are over 2.3 million veterans now living in California alone, and with a large<br \/>\n percentage of these based in San Diego, working with VA buyers presents a tremendous opportunity to help you grow your business. I believe VA financing is the best purchase product available in the market today, especially as the VA makes it easier for their members to qualify to purchase a home, and as of today, VA buyers can get 100% financing at an incredible interest rate of 3.75% on a 30 year fixed. Here is all you need to know about VA financing, so you know who qualifies as well as some tips on how to get sellers to accept your VA purchase offers.<\/font><\/font><\/font><\/font> <br \/>\n <\/font><\/font><\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><img loading=\"lazy\" decoding=\"async\" height=\"125\" width=\"125\" complete=\"complete\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/58a1f61a1a4e6a4c9f304895164ae366\/image\/jpeg\" alt=\"\" title=\"\"><\/font><\/font><\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/div>\n<div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/font><\/font><\/font><\/font><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<p align=\"left\">\n<div align=\"left\"><strong>Who is eligible for VA financing?<\/strong><\/div>\n<div align=\"left\">\n <\/div>\n<div align=\"left\">A veteran is eligible for VA financing if he\/she served on active duty in the Army, Navy, Air Force, Marine Corps, or Coast Guard and was honorably discharged after 24 continuous months of active duty, <em>or<\/em> the full period for which called, <em>or<\/em><strong> <\/strong>ordered to active duty, but not less than 90 days (during wartime) or 181 continuous days (during peacetime).<\/div>\n<div align=\"left\"> \n <\/div>\n<p><\/font><\/font><\/font><\/font><\/div>\n<\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<div align=\"left\"><strong>3 reasons why VA financing is the #1 loan program<\/strong> <\/div>\n<div align=\"left\"><strong> <\/strong><\/div>\n<div align=\"left\"><strong><img loading=\"lazy\" decoding=\"async\" height=\"113\" width=\"108\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/40a80e4c1741e978bf85f6b947e83591\/image\/jpeg\" alt=\"\" title=\"\"> <\/strong><\/div>\n<div align=\"left\"><strong> <\/strong><\/div>\n<div align=\"left\"><strong>1. VA buyers can purchase with $0 down<\/strong><strong> <\/strong><\/div>\n<p align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Did you know that <font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">eligible<br \/>\n veterans are allowed to take out a mortgage up to $537,500 and 100%<br \/>\n financing here in San Diego? Check here for your County limit as<br \/>\n designated by the VA, <a href=\"http:\/\/www.benefits.va.gov\/homeloans\/docs\/2011_county_loan_limits.pdf\"><strong><font color=\"#0066ff\">VA Loan Limits for each county for 2011<\/font><\/strong><\/a><\/font><\/font><\/font><\/font><\/font><\/font><\/font><\/font> . VA financing is still the only loan program that allows 100% financing in <u>any<\/u> area (FYI the USDA allows 100% financing, but this is strictly for rural properties), as the FHA still requires a 3.5% down payment and most conventional loan programs still require anywhere from 3% to 20% down payments depending on the credit profile of the buyer, which is still putting home ownership out of reach for many first time home buyers. \n <\/p>\n<p align=\"left\"><strong>2. Easier qualification rules for VA buyers<\/strong><strong> <\/strong><\/p>\n<p align=\"left\">Most banks have easier qualifying and credit guidelines for VA buyers. Because many first time buyers typically don’t have a lot of established credit, getting qualified for a conventional loan can be difficult. Most VA lenders only need a 620 credit score to offer 100% VA financing, whereas FHA and Conventional financing now require higher credit scores. Also some VA lenders allow a buyer to qualify up to a 60% debt to income (DTI) ratio on VA loans, Fannie Mae is now capped at 50%.<\/p>\n<p align=\"left\"><strong>3. VA buyers pay no monthly Mortgage Insurance<\/strong><strong> <\/strong><\/p>\n<p align=\"left\">Another huge advantage for VA buyers is that they do not have to pay any monthly mortgage insurance (MI) on their loans,<strong> <\/strong>as these are backed by the government. Remember, most conventional loans require mortgage insurance if you put down less than a 20% down payment, and all FHA loans now require mortgage insurance. So having no monthly mortgage insurance allows VA buyers to either purchase more home, or have have a lower monthly mortgage payment. \n <\/p>\n<div><img loading=\"lazy\" decoding=\"async\" height=\"157\" width=\"166\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/a04d57ca7e6a60746ba5a48dfee45e44\/image\/jpeg\" alt=\"\" title=\"\"> <\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/div>\n<div> <font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><strong>3 Tips to get your VA purchase offers accepted<\/strong><\/p>\n<div align=\"left\">\n<p> There is a misconception out there that sellers discriminate against<br \/>\n buyers using VA financing because of the following three<br \/>\n reasons: 1. The low down payment requirement means less skin in the game. 2.<br \/>\n The (misguided) perception that the seller must pay for some or all of the<br \/>\n buyer’s closing costs. 3. The (false) belief that VA appraisers are less<br \/>\n generous in their appraisals. Here<br \/>\n are 3 tips to debunk seller held credit myths about VA financing, so you<br \/>\n can ensure your purchase offers will get accepted. <font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/font><\/font><\/font><\/font>\n <\/p>\n<p><strong>1. The zero down payment<br \/>\n requirement means less skin in the game <\/strong><\/p>\n<div>We can’t argue with this because<br \/>\n VA does allow 100% financing, so this does amount to very "little<br \/>\n skin in the game". But what we can do, is strengthen the VA buyers profile and show the seller that the<br \/>\n borrower has a DU approved loan (automated underwriting approval) and also<br \/>\n include income and asset documentation (proof of reserves etc) to support that<br \/>\n approval. This will assuage the fears a seller might have about a buyer<br \/>\n (and that buyer’s lender) performing with their financing.\n <\/div>\n<div> <\/div>\n<div><img loading=\"lazy\" decoding=\"async\" height=\"124\" width=\"124\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/fcae68f1f772074435de36235971e205\/image\/jpeg\" alt=\"\" title=\"\"> \n <\/div>\n<p><strong>2.<\/strong> <strong>The<br \/>\n (misguided) perception that the seller must pay for some or all of the buyer’s<br \/>\n closing costs. <\/strong><\/p>\n<p>On VA transactions, the seller is <u>NOT<\/u> required to<br \/>\n pay <u>ANY<\/u> costs for the buyer, but is allowed to pay up to 4% towards a VA buyers costs. There are certain "VA non-allowable" costs for<br \/>\n which a VA buyer is forbidden to pay, (for example No escrow<br \/>\n fees, wiring, notary, tax service or processing fees are allowed<br \/>\n to be charged)<strong>.<\/strong> <\/p>\n<p>So here is a good tip to<br \/>\n help get a VA offer accepted, so this issue of who covers these<br \/>\n VA non allowable fees does not become an issue when negotiating a purchase price. It is advised that<br \/>\n the following language be inserted in to the purchase contract so<br \/>\n the seller is not put off by the VA offer: <em>“Seller not responsible for any buyer closing costs,<br \/>\n regardless of the selected loan program. All agency-related<br \/>\n "non-allowable" costs to be borne by lender”. <\/em><\/p>\n<p><strong>3.<br \/>\n The (false) belief that VA appraisers are less generous in their<br \/>\n valuations. <\/strong><\/p>\n<p>There is a<br \/>\n common misconception that VA appraisals usually come in lower. While I am sure<br \/>\n that a lot of people have had a VA appraisal come in lower, I am sure they can<br \/>\n say the same about FHA and conventional financing too. Underwriters and<br \/>\n appraisers will point out, that as long as the property is properly<br \/>\n priced and the offer is reasonable, the VA appraisal should go<br \/>\n smoothly. I have been averaging at least 2 VA transactions a month for the<br \/>\n past few years and I have only seen a value come in lower in maybe 10% of these VA transactions, which is probably typical for other forms of financing too. <\/p>\n<div><u>TIP<\/u>. One of the<br \/>\n most common appraisal "hits’ I have seen is when the purchase price is<br \/>\n increased, above listing price, to accommodate for the seller-paid contribution. Be<br \/>\n wary of that when submitting\/accepting offers and have a back-up plan. If<br \/>\n the appraisal does come in low make sure the buyer has additional reserves to<br \/>\n potentially come in with more cash to close. <em>Remember the lender will only<br \/>\n approve financing to 100% of the appraised value.<\/em> <\/div>\n<div> <\/div>\n<p><img loading=\"lazy\" decoding=\"async\" height=\"119\" width=\"196\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/571b46b3d5f9e22215375930dcc9dcf4\/image\/jpeg\" alt=\"\" title=\"\"><\/p><\/div>\n<div align=\"left\"><strong>Support our Troops, and a great marketing opportunity<\/strong><\/p>\n<p> Because of the large number of veterans that are living in California, this represents a tremendous opportunity to work with VA buyers. I have always found that VA buyers are a pleasure to work<br \/>\n with because they are very loyal and they communicate very well too, and it also feels good to know you are giving back a little to<br \/>\n our armed forces by helping them obtain home ownership, as they sacrifice so much for all of us on a daily<br \/>\n basis. As a VA buyer is able to purchase a home with 100% financing and get an interest rate of 3.75% on a 30 year fixed, it really is a wonderful opportunity for our military friends to buy a home right now.<\/p><\/div>\n<div align=\"left\"> <\/div>\n<div align=\"left\"> If you have any questions in regards<br \/>\n to VA loans please feel free to contact me directly at 858-200-9602. My<br \/>\n company is approved directly with the VA, so we are able to offer all the best<br \/>\n programs that are available to our military friends. I look forward to<br \/>\n chatting soon. \n <\/div>\n<p><\/p>\n<p align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<div align=\"left\">\n<div align=\"left\"><img loading=\"lazy\" decoding=\"async\" height=\"62\" width=\"120\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/sign.jpg\" alt=\"\"> <\/div>\n<\/div>\n<p><\/font><\/font><\/font><\/font><\/p>\n<p><\/font><\/font><\/font><\/font><\/div>\n<p><\/font><\/font><\/font><\/font><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a target=\"_blank\" href=\"http:\/\/[f2f_url]\"><font color=\"#0000ff\"><img decoding=\"async\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/forward.jpg\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\"><\/font><\/a><\/p>\n<p> <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"5\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><a href=\"http:\/\/www.michaeladeery.com\/blog\/please-sign-up-for-the-mortgage-market-insider-newsletter\/\"><img decoding=\"async\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/subscribe.jpg\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\"><\/a><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/td>\n<td width=\"191\" valign=\"top\" bgcolor=\"#eceacd\" align=\"left\"><\/p>\n<table height=\"2500\" width=\"212\" cellspacing=\"0\" cellpadding=\"5\" border=\"0\"><\/p>\n<tbody>\n<tr>\n<td height=\"26\" width=\"200\" valign=\"middle\" bgcolor=\"#486e01\"><font face=\"Times New Roman, Helvetica, sans-serif\"><font size=\"4\"><font color=\"#ffffff\"><strong>In This Issue<\/strong> <\/font><\/font><\/font><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\">\n<ul>\n<li><font size=\"2\" face=\"Verdana\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Who is eligible for VA financing?<\/font><\/font><\/font><\/font><\/font> <\/li>\n<li><font face=\"Verdana\"><font size=\"2\">Frequently asked VA questions<\/font><\/font> <\/li>\n<li><font size=\"2\" face=\"Verdana\">\n<div align=\"left\"><font size=\"2\" face=\"Verdana\"><font size=\"2\" face=\"Verdana\">3 Tips to help get your VA purchase offers accepted<br \/>\n <\/font><\/font><\/div>\n<p><\/font><\/li>\n<li><font size=\"2\" face=\"Verdana\">\n<div align=\"left\"><font size=\"2\" face=\"Verdana\"><font size=\"2\" face=\"Verdana\">VA buyers: A great marketing opportunity<\/font><\/font><\/div>\n<p><\/font><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"26\" width=\"190\" valign=\"middle\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"26\" width=\"200\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_01.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td>\n<div><font color=\"#0066ff\"><a href=\"http:\/\/www.benefits.va.gov\/homeloans\/docs\/2011_county_loan_limits.pdf\"><strong>Check VA Loan Limits for Each County 2011<\/strong><\/a><\/font><\/div>\n<div><font color=\"#0099ff\"><strong><\/strong><\/font>\n <\/div>\n<div><font color=\"#0066ff\"><strong><a href=\"http:\/\/www.michaeladeery.com\/blog\/how-to-purchase-a-condo-with-95-conventional-financing-and-no-pmi\/\">How to Purchase a Condo With 95% Conventional Financing and NO MI, that is Not FHA Approved <\/a><br \/>\n <\/strong><\/font><\/div>\n<\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td valign=\"top\" align=\"left\">\n<div><font color=\"#0066ff\"><\/p>\n<div class=\"UIStoryAttachment_Info \"> <\/div>\n<div class=\"UIStoryAttachment_Info \"><a href=\"http:\/\/www.inman.com\/reports\/top-market-income\/san-antonio.html\"><strong>Top 10 Markets for Real Estate Agents <\/strong><\/a>\n <\/div>\n<div class=\"UIStoryAttachment_Info \"> <\/div>\n<div class=\"UIStoryAttachment_Info \"><a href=\"http:\/\/kcmblog.com\/2011\/09\/06\/5-great-reasons-t-sell-your-house-today-2\/\"><strong>5 Great Reasons to Sell Your House Today!<\/strong><\/a> \n <\/div>\n<p><\/font><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"18\" width=\"190\" valign=\"bottom\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"26\" width=\"199\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_02.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<p align=\"left\"><strong>FICO scores for buyers<\/strong>: Here is a really cool site <a href=\"http:\/\/scoreinfo.org\/\"><strong><font color=\"#0033ff\">http:\/\/scoreinfo.org\/<\/font><\/strong><\/a> to share with any buyers so they can learn all about their credit and how to improve their credit scores. As Fannie Mae and Freddie Mac have just announced recently that they will be increasing fees on all loans again later this year for buyers with less than perfect credit, share this with any buyers you know who will be purchasing a home soon, as it would be a great idea to see if they can improve their credit scores in the meantime, so they can qualify for the best rates possible and save as much money as possible, by not incurring any of these additional loan fees by Fannie Mae. <\/p>\n<p><\/font><\/font><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"26\" width=\"190\" valign=\"middle\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"26\" width=\"199\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_03.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<div align=\"left\">\n<div><strong>Spread the word<\/strong>: Help get the word out about the incredible buying opportunities that exist right now for all our military friends.<strong> <\/strong>Send out an email and a facebook post to your database of clients, family and friends<br \/>\n and let them know about the programs that are available and ask everyone to share these with their military friends. There are still a lot of people out there who<br \/>\n simply don’t know how great these VA programs are, that are available with no monthly mortgage insurance, zero down and 3.75% rates! I<br \/>\n am sure everyone will appreciate you letting them know that this is available to<br \/>\n the people who serve all of us on a daily basis.<\/div>\n<div> <\/div>\n<\/p><\/div>\n<p><\/font><\/font><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"26\" width=\"190\" valign=\"middle\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"32\" width=\"199\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_04.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\" color=\"#009900\"><font size=\"2\"><\/p>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<div style=\"padding-bottom: 10px; padding-top: 10px;\" align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\"><a href=\"http:\/\/www.facebook.com\/pages\/Free-Resources-for-California-Real-Estate-Agents\/173101099375782?v=app_4949752878&ref=ts\"><img decoding=\"async\" style=\"width: 166px; height: 50px;\" border=\"0\" complete=\"complete\" src=\"https:\/\/app.icontact.com\/icp\/loadimage.php\/mogile\/545159\/babdc47aa0ab4934fe549e2a905105b3\/image\/gif\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\" title=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=17811376&msgid=223725&act=1ZE3&c=545159&destination=http%3A%2F%2Fwww.facebook.com%2Fpages%2FSan-Diego-Mortgage-Expert%2F110618458984053%3Fv%3Dapp_4949752878%26ref%3Dts\"><\/a><\/font><\/div>\n<div style=\"padding-bottom: 10px; padding-top: 10px;\" align=\"center\"> <\/div>\n<div style=\"padding-bottom: 10px; padding-top: 10px;\" align=\"center\">\n<div align=\"center\"><font size=\"2\" face=\"Verdana\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><a target=\"_blank\" href=\"http:\/\/citywidefinancialcorp.com\/blog\" relay.php?r=\"17811376&msgid=223725&act=1ZE3&c=545159&destination=http%3A%2F%2Fcitywidefinancialcorp.com%2Fblog"\"><img decoding=\"async\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/smm_blog.jpg\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\" title=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=-1&msgid=0&act=11111&c=545159&destination=http%3A%2F%2Fcitywidefinancialcorp.com%2Fblog\n http:\/\/click.icptrack.com\/icp\/relay.php?r=17811376&msgid=223725&act=1ZE3&c=545159&destination=http%3A%2F%2Fcitywidefinancialcorp.com%2Fblog\"><\/a><\/font><\/font><\/font><\/div>\n<div align=\"center\"> <font color=\"#0099ff\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><a target=\"_blank\" href=\"http:\/\/citywidefinancialcorp.com\/\"><font size=\"4\" title=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=17811376&msgid=223725&act=1ZE3&c=545159&destination=http%3A%2F%2Fcitywidefinancialcorp.com%2F\">Visit My Website<\/font><\/a><\/font><\/font><\/font><\/div>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\" color=\"#0066ff\"><font size=\"2\"><br \/>\n <\/font><font size=\"4\" color=\"#0033ff\">Call Michael At <\/font><\/font><\/div>\n<div align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\" color=\"#0033ff\">(858)-200-9602 <br \/>\n <\/font><\/div>\n<div align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\" color=\"#0033ff\"> <\/font><\/div>\n<div align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\"> <\/font><\/div>\n<div align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\"><strong><u>Joke of the Week<\/u><\/strong> <br \/>\n <\/font><\/div>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\"> <\/font><\/div>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\"><font face=\"Comic Sans MS\">A young man named Murphy applied<br \/>\n for an engineering position at an Irish firm based in Dublin. An<br \/>\n American applied for the same job and both applicants, having the same<br \/>\n qualifications, were asked to take a test by the Department manager. <br \/>\n Upon completion of the test both men only missed one of the questions. <br \/>\n The manager went to Murphy and said, "Thank you for your interest, but we’ve decided to give the American the job." <br \/>\n Murphy: "And why would you be doing that? We both got 9 questions<br \/>\n correct. This being Ireland and me being Irish I should get the job!" <br \/>\n Manager: "We have made our decision not on the correct answers, but on the question you missed." <br \/>\n Murphy: "And just how would one incorrect answer be better than the other?" <br \/>\n Manager: "Simple. The American put down on question # 5, ‘I don’t know.’ You put down ‘Neither do I.’"<\/font><br \/>\n <\/font><\/div>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\"> <\/font><\/div>\n<\/div>\n<p><\/font><\/font><\/div>\n<p><\/font><\/font><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"26\" width=\"190\" valign=\"middle\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"32\" width=\"199\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_05.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\">\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><br \/>\n Our experience with Michael and his staff at Citywide was great! All of our questions were answered right away. We appreciated the prompt attention and service which was excellent. We will definitely work with him again and recommend him to others. Michael was very professional and kept in contact with us often to make sure everything was going well. We would highly recommend Michael and his staff.<\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Ada Meraz & David Gonzalez, San Diego, C<br \/>\n <\/font><\/font><\/div>\n<\/td>\n<\/tr>\n<p><\/tbody>\n<\/table>\n<p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"21\" valign=\"middle\" bgcolor=\"#206a99\" align=\"center\"><font size=\"-2\" face=\"Times New Roman, Helvetica, sans-serif\" color=\"#ffffff\">Copyright 2010 Michael A. Deery <img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"275\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\">Newsletter design by Blaze Interactive<\/font><\/td>\n<\/tr>\n<p><\/tbody>\n<\/table>\n<p><\/center><br \/>\n <\/body><br \/>\n <\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Mortgage Market Insider A Bi-weekly Mortgage & Real Estate Ezine To Keep You Current Sept 20th, 2011 3 Tips That Will Help You Close More VA Transactions Dear [fname], Did you know there are over 2.3 million veterans now living in California alone, and with a large percentage of these […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2383,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-2389","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages\/2389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/comments?post=2389"}],"version-history":[{"count":1,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages\/2389\/revisions"}],"predecessor-version":[{"id":2390,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages\/2389\/revisions\/2390"}],"up":[{"embeddable":true,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages\/2383"}],"wp:attachment":[{"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/media?parent=2389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":2389,"date":"2014-05-05T15:13:06","date_gmt":"2014-05-05T15:13:06","guid":{"rendered":"http:\/\/www.michaeladeery.com\/blog\/?page_id=2389"},"modified":"2014-05-05T15:13:06","modified_gmt":"2014-05-05T15:13:06","slug":"3-tips-that-will-help-you-close-more-va-transactions","status":"publish","type":"page","link":"https:\/\/www.michaeladeery.com\/blog\/newsletter-archive\/3-tips-that-will-help-you-close-more-va-transactions\/","title":{"rendered":"3 Tips That Will Help You Close More VA Transactions"},"content":{"rendered":"

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\n The Mortgage Market Insider<\/title><br \/>\n <meta content=\"text\/html; charset=iso-8859-1\" http-equiv=\"Content-Type\"><br \/>\n <\/head><br \/>\n <body link=\"#206a99\" vlink=\"#666666\" jquery1294766823541=\"85\" jquery1294685993761=\"24\" jquery1294681168986=\"35\" jquery1294675621123=\"34\" jquery1294599008333=\"24\" jquery1294517124402=\"131\" jquery1292345793197=\"181\" jquery1292270559159=\"65\" jquery1292426942648=\"128\" jquery1292433328810=\"42\" jquery1292433586334=\"36\" jquery1292433714408=\"36\" jquery1289938165532=\"24\" jquery1289923093949=\"105\" jquery1285259348641=\"24\" jquery1285259127449=\"24\" jquery1285257792262=\"44\" jquery1285254940259=\"48\" jquery1285254874601=\"34\" jquery1285203758854=\"144\" jquery1285202308897=\"38\" jquery1285195283216=\"38\" jquery1285195183073=\"24\" jquery1285174784566=\"34\" jquery1285173985364=\"24\" jquery1285173554351=\"42\" jquery1285173406309=\"24\" jquery1285172544779=\"34\" jquery1285117970782=\"49\" jquery1285166452029=\"39\" jquery1288381258793=\"135\" jquery1288548942886=\"56\" jquery1288626880813=\"125\" jquery1288714079658=\"36\" jquery1288714395882=\"67\" jquery1294848573543=\"91\" jquery1295368291875=\"118\" jquery1295388740859=\"47\" jquery1295453883043=\"125\" jquery1295459101439=\"73\"><br \/>\n <center><\/p>\n<table style=\"width: 577px; height: 4490px;\" width=\"577\" cellspacing=\"0\" cellpadding=\"0\" bordercolor=\"#003264\" border=\"1\"><\/p>\n<tbody>\n<tr>\n<td valign=\"top\" background=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" align=\"right\"><a href=\"[f2f_url]\"><img loading=\"lazy\" decoding=\"async\" height=\"23\" width=\"161\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/hdr_forward.jpg\" alt=\"\"><\/a><a target=\"_blank\" href=\"http:\/\/community.icontact.com\/p\/michaeldeery2\"><img loading=\"lazy\" decoding=\"async\" height=\"23\" width=\"148\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/hdr_browser.jpg\" alt=\"\"><\/a><a target=\"_blank\" href=\"mailto:mdeery@citywidefinancialcorp.com\"><img loading=\"lazy\" decoding=\"async\" height=\"23\" width=\"79\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/hdr_email.jpg\" alt=\"\"><\/a> <img loading=\"lazy\" decoding=\"async\" height=\"23\" width=\"112\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/hdr_call.jpg\" alt=\"\"> <\/td>\n<\/tr>\n<p><\/tbody>\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" style=\"width: 618px; height: 158px;\" height=\"158\" width=\"618\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/header.jpg\" alt=\"\"><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td>\n<table style=\"width: 619px; height: 23px;\" width=\"619\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\">\n<tbody>\n<tr>\n<td bgcolor=\"#3399cc\" align=\"left\"> <strong><font color=\"#ffffff\"><em>A Bi-weekly Mortgage & Real Estate Ezine To Keep You Current<\/em><\/font> <\/strong><\/td>\n<td bgcolor=\"#3399cc\" align=\"right\"><font color=\"#ffffff\"><strong><\/strong><\/font> <img loading=\"lazy\" decoding=\"async\" height=\"12\" width=\"34\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/date_star.jpg\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\"> <strong><font color=\"#ffffff\">Sept 20th<\/font><font color=\"#ffffff\">, 2011<\/font><\/strong> \n <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td><\/p>\n<table style=\"width: 614px; height: 4226px;\" width=\"614\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\">\n<tbody>\n<tr>\n<td width=\"409\" valign=\"top\" align=\"left\"><\/p>\n<table style=\"width: 382px; height: 4206px;\" width=\"382\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\"><\/p>\n<tbody>\n<tr>\n<td height=\"26\" width=\"380\" valign=\"middle\" bgcolor=\"#206a99\">\n<div><font face=\"Times New Roman, Helvetica, sans-serif\"><font size=\"4\"><font color=\"#ffffff\"><strong>3 Tips That Will Help You Close More VA Transactions<br \/>\n <\/strong><\/font><\/font><\/font><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><\/p>\n<table height=\"1999\" width=\"386\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"20\" width=\"5\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<td valign=\"top\">\n <\/td>\n<td>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/div>\n<div><font size=\"2\" face=\"Verdana\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Dear [fname]<\/font><\/font><\/font><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">, <br \/>\n <\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Did you know there are over 2.3 million veterans now living in California alone, and with a large<br \/>\n percentage of these based in San Diego, working with VA buyers presents a tremendous opportunity to help you grow your business. I believe VA financing is the best purchase product available in the market today, especially as the VA makes it easier for their members to qualify to purchase a home, and as of today, VA buyers can get 100% financing at an incredible interest rate of 3.75% on a 30 year fixed. Here is all you need to know about VA financing, so you know who qualifies as well as some tips on how to get sellers to accept your VA purchase offers.<\/font><\/font><\/font><\/font> <br \/>\n <\/font><\/font><\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><img loading=\"lazy\" decoding=\"async\" height=\"125\" width=\"125\" complete=\"complete\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/58a1f61a1a4e6a4c9f304895164ae366\/image\/jpeg\" alt=\"\" title=\"\"><\/font><\/font><\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/div>\n<div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/font><\/font><\/font><\/font><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<p align=\"left\">\n<div align=\"left\"><strong>Who is eligible for VA financing?<\/strong><\/div>\n<div align=\"left\">\n <\/div>\n<div align=\"left\">A veteran is eligible for VA financing if he\/she served on active duty in the Army, Navy, Air Force, Marine Corps, or Coast Guard and was honorably discharged after 24 continuous months of active duty, <em>or<\/em> the full period for which called, <em>or<\/em><strong> <\/strong>ordered to active duty, but not less than 90 days (during wartime) or 181 continuous days (during peacetime).<\/div>\n<div align=\"left\"> \n <\/div>\n<p><\/font><\/font><\/font><\/font><\/div>\n<\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<div align=\"left\"><strong>3 reasons why VA financing is the #1 loan program<\/strong> <\/div>\n<div align=\"left\"><strong> <\/strong><\/div>\n<div align=\"left\"><strong><img loading=\"lazy\" decoding=\"async\" height=\"113\" width=\"108\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/40a80e4c1741e978bf85f6b947e83591\/image\/jpeg\" alt=\"\" title=\"\"> <\/strong><\/div>\n<div align=\"left\"><strong> <\/strong><\/div>\n<div align=\"left\"><strong>1. VA buyers can purchase with $0 down<\/strong><strong> <\/strong><\/div>\n<p align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Did you know that <font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">eligible<br \/>\n veterans are allowed to take out a mortgage up to $537,500 and 100%<br \/>\n financing here in San Diego? Check here for your County limit as<br \/>\n designated by the VA, <a href=\"http:\/\/www.benefits.va.gov\/homeloans\/docs\/2011_county_loan_limits.pdf\"><strong><font color=\"#0066ff\">VA Loan Limits for each county for 2011<\/font><\/strong><\/a><\/font><\/font><\/font><\/font><\/font><\/font><\/font><\/font> . VA financing is still the only loan program that allows 100% financing in <u>any<\/u> area (FYI the USDA allows 100% financing, but this is strictly for rural properties), as the FHA still requires a 3.5% down payment and most conventional loan programs still require anywhere from 3% to 20% down payments depending on the credit profile of the buyer, which is still putting home ownership out of reach for many first time home buyers. \n <\/p>\n<p align=\"left\"><strong>2. Easier qualification rules for VA buyers<\/strong><strong> <\/strong><\/p>\n<p align=\"left\">Most banks have easier qualifying and credit guidelines for VA buyers. Because many first time buyers typically don’t have a lot of established credit, getting qualified for a conventional loan can be difficult. Most VA lenders only need a 620 credit score to offer 100% VA financing, whereas FHA and Conventional financing now require higher credit scores. Also some VA lenders allow a buyer to qualify up to a 60% debt to income (DTI) ratio on VA loans, Fannie Mae is now capped at 50%.<\/p>\n<p align=\"left\"><strong>3. VA buyers pay no monthly Mortgage Insurance<\/strong><strong> <\/strong><\/p>\n<p align=\"left\">Another huge advantage for VA buyers is that they do not have to pay any monthly mortgage insurance (MI) on their loans,<strong> <\/strong>as these are backed by the government. Remember, most conventional loans require mortgage insurance if you put down less than a 20% down payment, and all FHA loans now require mortgage insurance. So having no monthly mortgage insurance allows VA buyers to either purchase more home, or have have a lower monthly mortgage payment. \n <\/p>\n<div><img loading=\"lazy\" decoding=\"async\" height=\"157\" width=\"166\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/a04d57ca7e6a60746ba5a48dfee45e44\/image\/jpeg\" alt=\"\" title=\"\"> <\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/div>\n<div> <font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><strong>3 Tips to get your VA purchase offers accepted<\/strong><\/p>\n<div align=\"left\">\n<p> There is a misconception out there that sellers discriminate against<br \/>\n buyers using VA financing because of the following three<br \/>\n reasons: 1. The low down payment requirement means less skin in the game. 2.<br \/>\n The (misguided) perception that the seller must pay for some or all of the<br \/>\n buyer’s closing costs. 3. The (false) belief that VA appraisers are less<br \/>\n generous in their appraisals. Here<br \/>\n are 3 tips to debunk seller held credit myths about VA financing, so you<br \/>\n can ensure your purchase offers will get accepted. <font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/font><\/font><\/font><\/font><\/font><\/font>\n <\/p>\n<p><strong>1. The zero down payment<br \/>\n requirement means less skin in the game <\/strong><\/p>\n<div>We can’t argue with this because<br \/>\n VA does allow 100% financing, so this does amount to very "little<br \/>\n skin in the game". But what we can do, is strengthen the VA buyers profile and show the seller that the<br \/>\n borrower has a DU approved loan (automated underwriting approval) and also<br \/>\n include income and asset documentation (proof of reserves etc) to support that<br \/>\n approval. This will assuage the fears a seller might have about a buyer<br \/>\n (and that buyer’s lender) performing with their financing.\n <\/div>\n<div> <\/div>\n<div><img loading=\"lazy\" decoding=\"async\" height=\"124\" width=\"124\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/fcae68f1f772074435de36235971e205\/image\/jpeg\" alt=\"\" title=\"\"> \n <\/div>\n<p><strong>2.<\/strong> <strong>The<br \/>\n (misguided) perception that the seller must pay for some or all of the buyer’s<br \/>\n closing costs. <\/strong><\/p>\n<p>On VA transactions, the seller is <u>NOT<\/u> required to<br \/>\n pay <u>ANY<\/u> costs for the buyer, but is allowed to pay up to 4% towards a VA buyers costs. There are certain "VA non-allowable" costs for<br \/>\n which a VA buyer is forbidden to pay, (for example No escrow<br \/>\n fees, wiring, notary, tax service or processing fees are allowed<br \/>\n to be charged)<strong>.<\/strong> <\/p>\n<p>So here is a good tip to<br \/>\n help get a VA offer accepted, so this issue of who covers these<br \/>\n VA non allowable fees does not become an issue when negotiating a purchase price. It is advised that<br \/>\n the following language be inserted in to the purchase contract so<br \/>\n the seller is not put off by the VA offer: <em>“Seller not responsible for any buyer closing costs,<br \/>\n regardless of the selected loan program. All agency-related<br \/>\n "non-allowable" costs to be borne by lender”. <\/em><\/p>\n<p><strong>3.<br \/>\n The (false) belief that VA appraisers are less generous in their<br \/>\n valuations. <\/strong><\/p>\n<p>There is a<br \/>\n common misconception that VA appraisals usually come in lower. While I am sure<br \/>\n that a lot of people have had a VA appraisal come in lower, I am sure they can<br \/>\n say the same about FHA and conventional financing too. Underwriters and<br \/>\n appraisers will point out, that as long as the property is properly<br \/>\n priced and the offer is reasonable, the VA appraisal should go<br \/>\n smoothly. I have been averaging at least 2 VA transactions a month for the<br \/>\n past few years and I have only seen a value come in lower in maybe 10% of these VA transactions, which is probably typical for other forms of financing too. <\/p>\n<div><u>TIP<\/u>. One of the<br \/>\n most common appraisal "hits’ I have seen is when the purchase price is<br \/>\n increased, above listing price, to accommodate for the seller-paid contribution. Be<br \/>\n wary of that when submitting\/accepting offers and have a back-up plan. If<br \/>\n the appraisal does come in low make sure the buyer has additional reserves to<br \/>\n potentially come in with more cash to close. <em>Remember the lender will only<br \/>\n approve financing to 100% of the appraised value.<\/em> <\/div>\n<div> <\/div>\n<p><img loading=\"lazy\" decoding=\"async\" height=\"119\" width=\"196\" src=\"https:\/\/staticapp.icpsc.com\/icp\/loadimage.php\/mogile\/545159\/571b46b3d5f9e22215375930dcc9dcf4\/image\/jpeg\" alt=\"\" title=\"\"><\/p><\/div>\n<div align=\"left\"><strong>Support our Troops, and a great marketing opportunity<\/strong><\/p>\n<p> Because of the large number of veterans that are living in California, this represents a tremendous opportunity to work with VA buyers. I have always found that VA buyers are a pleasure to work<br \/>\n with because they are very loyal and they communicate very well too, and it also feels good to know you are giving back a little to<br \/>\n our armed forces by helping them obtain home ownership, as they sacrifice so much for all of us on a daily<br \/>\n basis. As a VA buyer is able to purchase a home with 100% financing and get an interest rate of 3.75% on a 30 year fixed, it really is a wonderful opportunity for our military friends to buy a home right now.<\/p><\/div>\n<div align=\"left\"> <\/div>\n<div align=\"left\"> If you have any questions in regards<br \/>\n to VA loans please feel free to contact me directly at 858-200-9602. My<br \/>\n company is approved directly with the VA, so we are able to offer all the best<br \/>\n programs that are available to our military friends. I look forward to<br \/>\n chatting soon. \n <\/div>\n<p><\/p>\n<p align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<div align=\"left\">\n<div align=\"left\"><img loading=\"lazy\" decoding=\"async\" height=\"62\" width=\"120\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/sign.jpg\" alt=\"\"> <\/div>\n<\/div>\n<p><\/font><\/font><\/font><\/font><\/p>\n<p><\/font><\/font><\/font><\/font><\/div>\n<p><\/font><\/font><\/font><\/font><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a target=\"_blank\" href=\"http:\/\/[f2f_url]\"><font color=\"#0000ff\"><img decoding=\"async\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/forward.jpg\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\"><\/font><\/a><\/p>\n<p> <\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"5\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><a href=\"http:\/\/www.michaeladeery.com\/blog\/please-sign-up-for-the-mortgage-market-insider-newsletter\/\"><img decoding=\"async\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/subscribe.jpg\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\"><\/a><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/td>\n<td width=\"191\" valign=\"top\" bgcolor=\"#eceacd\" align=\"left\"><\/p>\n<table height=\"2500\" width=\"212\" cellspacing=\"0\" cellpadding=\"5\" border=\"0\"><\/p>\n<tbody>\n<tr>\n<td height=\"26\" width=\"200\" valign=\"middle\" bgcolor=\"#486e01\"><font face=\"Times New Roman, Helvetica, sans-serif\"><font size=\"4\"><font color=\"#ffffff\"><strong>In This Issue<\/strong> <\/font><\/font><\/font><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\">\n<ul>\n<li><font size=\"2\" face=\"Verdana\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Who is eligible for VA financing?<\/font><\/font><\/font><\/font><\/font> <\/li>\n<li><font face=\"Verdana\"><font size=\"2\">Frequently asked VA questions<\/font><\/font> <\/li>\n<li><font size=\"2\" face=\"Verdana\">\n<div align=\"left\"><font size=\"2\" face=\"Verdana\"><font size=\"2\" face=\"Verdana\">3 Tips to help get your VA purchase offers accepted<br \/>\n <\/font><\/font><\/div>\n<p><\/font><\/li>\n<li><font size=\"2\" face=\"Verdana\">\n<div align=\"left\"><font size=\"2\" face=\"Verdana\"><font size=\"2\" face=\"Verdana\">VA buyers: A great marketing opportunity<\/font><\/font><\/div>\n<p><\/font><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"26\" width=\"190\" valign=\"middle\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"26\" width=\"200\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_01.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td>\n<div><font color=\"#0066ff\"><a href=\"http:\/\/www.benefits.va.gov\/homeloans\/docs\/2011_county_loan_limits.pdf\"><strong>Check VA Loan Limits for Each County 2011<\/strong><\/a><\/font><\/div>\n<div><font color=\"#0099ff\"><strong><\/strong><\/font>\n <\/div>\n<div><font color=\"#0066ff\"><strong><a href=\"http:\/\/www.michaeladeery.com\/blog\/how-to-purchase-a-condo-with-95-conventional-financing-and-no-pmi\/\">How to Purchase a Condo With 95% Conventional Financing and NO MI, that is Not FHA Approved <\/a><br \/>\n <\/strong><\/font><\/div>\n<\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td valign=\"top\" align=\"left\">\n<div><font color=\"#0066ff\"><\/p>\n<div class=\"UIStoryAttachment_Info \"> <\/div>\n<div class=\"UIStoryAttachment_Info \"><a href=\"http:\/\/www.inman.com\/reports\/top-market-income\/san-antonio.html\"><strong>Top 10 Markets for Real Estate Agents <\/strong><\/a>\n <\/div>\n<div class=\"UIStoryAttachment_Info \"> <\/div>\n<div class=\"UIStoryAttachment_Info \"><a href=\"http:\/\/kcmblog.com\/2011\/09\/06\/5-great-reasons-t-sell-your-house-today-2\/\"><strong>5 Great Reasons to Sell Your House Today!<\/strong><\/a> \n <\/div>\n<p><\/font><\/div>\n<\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"18\" width=\"190\" valign=\"bottom\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"26\" width=\"199\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_02.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<p align=\"left\"><strong>FICO scores for buyers<\/strong>: Here is a really cool site <a href=\"http:\/\/scoreinfo.org\/\"><strong><font color=\"#0033ff\">http:\/\/scoreinfo.org\/<\/font><\/strong><\/a> to share with any buyers so they can learn all about their credit and how to improve their credit scores. As Fannie Mae and Freddie Mac have just announced recently that they will be increasing fees on all loans again later this year for buyers with less than perfect credit, share this with any buyers you know who will be purchasing a home soon, as it would be a great idea to see if they can improve their credit scores in the meantime, so they can qualify for the best rates possible and save as much money as possible, by not incurring any of these additional loan fees by Fannie Mae. <\/p>\n<p><\/font><\/font><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"10\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"26\" width=\"190\" valign=\"middle\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"26\" width=\"199\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_03.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<div align=\"left\">\n<div><strong>Spread the word<\/strong>: Help get the word out about the incredible buying opportunities that exist right now for all our military friends.<strong> <\/strong>Send out an email and a facebook post to your database of clients, family and friends<br \/>\n and let them know about the programs that are available and ask everyone to share these with their military friends. There are still a lot of people out there who<br \/>\n simply don’t know how great these VA programs are, that are available with no monthly mortgage insurance, zero down and 3.75% rates! I<br \/>\n am sure everyone will appreciate you letting them know that this is available to<br \/>\n the people who serve all of us on a daily basis.<\/div>\n<div> <\/div>\n<\/p><\/div>\n<p><\/font><\/font><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"26\" width=\"190\" valign=\"middle\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"32\" width=\"199\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_04.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\"><font face=\"Verdana, Times New Roman, Times, serif\" color=\"#009900\"><font size=\"2\"><\/p>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><\/p>\n<div style=\"padding-bottom: 10px; padding-top: 10px;\" align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\"><a href=\"http:\/\/www.facebook.com\/pages\/Free-Resources-for-California-Real-Estate-Agents\/173101099375782?v=app_4949752878&ref=ts\"><img decoding=\"async\" style=\"width: 166px; height: 50px;\" border=\"0\" complete=\"complete\" src=\"https:\/\/app.icontact.com\/icp\/loadimage.php\/mogile\/545159\/babdc47aa0ab4934fe549e2a905105b3\/image\/gif\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\" title=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=17811376&msgid=223725&act=1ZE3&c=545159&destination=http%3A%2F%2Fwww.facebook.com%2Fpages%2FSan-Diego-Mortgage-Expert%2F110618458984053%3Fv%3Dapp_4949752878%26ref%3Dts\"><\/a><\/font><\/div>\n<div style=\"padding-bottom: 10px; padding-top: 10px;\" align=\"center\"> <\/div>\n<div style=\"padding-bottom: 10px; padding-top: 10px;\" align=\"center\">\n<div align=\"center\"><font size=\"2\" face=\"Verdana\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><a target=\"_blank\" href=\"http:\/\/citywidefinancialcorp.com\/blog\" relay.php?r=\"17811376&msgid=223725&act=1ZE3&c=545159&destination=http%3A%2F%2Fcitywidefinancialcorp.com%2Fblog"\"><img decoding=\"async\" border=\"0\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/smm_blog.jpg\" alt=\"\" onload=\"icp.messageComp.image.pasteLoadHandler(this)\" title=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=-1&msgid=0&act=11111&c=545159&destination=http%3A%2F%2Fcitywidefinancialcorp.com%2Fblog\n http:\/\/click.icptrack.com\/icp\/relay.php?r=17811376&msgid=223725&act=1ZE3&c=545159&destination=http%3A%2F%2Fcitywidefinancialcorp.com%2Fblog\"><\/a><\/font><\/font><\/font><\/div>\n<div align=\"center\"> <font color=\"#0099ff\"><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><a target=\"_blank\" href=\"http:\/\/citywidefinancialcorp.com\/\"><font size=\"4\" title=\"http:\/\/click.icptrack.com\/icp\/relay.php?r=17811376&msgid=223725&act=1ZE3&c=545159&destination=http%3A%2F%2Fcitywidefinancialcorp.com%2F\">Visit My Website<\/font><\/a><\/font><\/font><\/font><\/div>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\" color=\"#0066ff\"><font size=\"2\"><br \/>\n <\/font><font size=\"4\" color=\"#0033ff\">Call Michael At <\/font><\/font><\/div>\n<div align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\" color=\"#0033ff\">(858)-200-9602 <br \/>\n <\/font><\/div>\n<div align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\" color=\"#0033ff\"> <\/font><\/div>\n<div align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\"> <\/font><\/div>\n<div align=\"center\"><font size=\"4\" face=\"Verdana, Times New Roman, Times, serif\"><strong><u>Joke of the Week<\/u><\/strong> <br \/>\n <\/font><\/div>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\"> <\/font><\/div>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\"><font face=\"Comic Sans MS\">A young man named Murphy applied<br \/>\n for an engineering position at an Irish firm based in Dublin. An<br \/>\n American applied for the same job and both applicants, having the same<br \/>\n qualifications, were asked to take a test by the Department manager. <br \/>\n Upon completion of the test both men only missed one of the questions. <br \/>\n The manager went to Murphy and said, "Thank you for your interest, but we’ve decided to give the American the job." <br \/>\n Murphy: "And why would you be doing that? We both got 9 questions<br \/>\n correct. This being Ireland and me being Irish I should get the job!" <br \/>\n Manager: "We have made our decision not on the correct answers, but on the question you missed." <br \/>\n Murphy: "And just how would one incorrect answer be better than the other?" <br \/>\n Manager: "Simple. The American put down on question # 5, ‘I don’t know.’ You put down ‘Neither do I.’"<\/font><br \/>\n <\/font><\/div>\n<div align=\"center\"><font face=\"Verdana, Times New Roman, Times, serif\"> <\/font><\/div>\n<\/div>\n<p><\/font><\/font><\/div>\n<p><\/font><\/font><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"26\" width=\"190\" valign=\"middle\" bgcolor=\"#486e01\"><img loading=\"lazy\" decoding=\"async\" height=\"32\" width=\"199\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/icon_05.jpg\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"10\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" align=\"left\">\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"><br \/>\n Our experience with Michael and his staff at Citywide was great! All of our questions were answered right away. We appreciated the prompt attention and service which was excellent. We will definitely work with him again and recommend him to others. Michael was very professional and kept in contact with us often to make sure everything was going well. We would highly recommend Michael and his staff.<\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\"> <\/font><\/font><\/div>\n<div><font face=\"Verdana, Times New Roman, Times, serif\"><font size=\"2\">Ada Meraz & David Gonzalez, San Diego, C<br \/>\n <\/font><\/font><\/div>\n<\/td>\n<\/tr>\n<p><\/tbody>\n<\/table>\n<p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/td>\n<\/tr>\n<p><\/p>\n<tr>\n<td height=\"21\" valign=\"middle\" bgcolor=\"#206a99\" align=\"center\"><font size=\"-2\" face=\"Times New Roman, Helvetica, sans-serif\" color=\"#ffffff\">Copyright 2010 Michael A. Deery <img loading=\"lazy\" decoding=\"async\" height=\"5\" width=\"275\" complete=\"complete\" src=\"http:\/\/citywidefinancialcorp.com\/newsletter\/images\/spacer.gif\" alt=\"\">Newsletter design by Blaze Interactive<\/font><\/td>\n<\/tr>\n<p><\/tbody>\n<\/table>\n<p><\/center><br \/>\n <\/body><br \/>\n <\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Mortgage Market Insider A Bi-weekly Mortgage & Real Estate Ezine To Keep You Current Sept 20th, 2011 3 Tips That Will Help You Close More VA Transactions Dear [fname], Did you know there are over 2.3 million veterans now living in California alone, and with a large percentage of these […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2383,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-2389","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages\/2389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/comments?post=2389"}],"version-history":[{"count":1,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages\/2389\/revisions"}],"predecessor-version":[{"id":2390,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages\/2389\/revisions\/2390"}],"up":[{"embeddable":true,"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/pages\/2383"}],"wp:attachment":[{"href":"https:\/\/www.michaeladeery.com\/blog\/wp-json\/wp\/v2\/media?parent=2389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}