Posted by Richard Woodward on May 7th, 2010 10:13 AMPost a Comment (0) Subscribe to this blog * Name: * Email Address: URL: Comment: Type the characters you see in this picture, click "Submit" when finished. What is Happening in the Mortgage Market Create Your Own Buyer Stimulus Package May 7th, 2010 10:13 AM       Richard Woodward Banker / Senior Manager Envoy Mortgage Phone: 972-661-5136 Fax: 972-314-9647 Rwoodward@Envoymtg.com www.Envoy-Mtg.com May 2010 April 2010 March 2010 February 2010 January 2010 December 2009 November 2009      Create Your Own Buyer Stimulus Package Great Home Buyer Opportunities Despite Government Program Endings The Federal Government's Homebuyer Tax Credit may have expired on April 30, but just because Uncle Sam has turned off the financial spigot aimed at housing doesn't mean home buyers still can't get 'something extra' during their purchase. The keys for buyers today are how they negotiate and structure the terms of their offer. Keep Reading »    Mother's Day Spa Lunch Creating a Special Day for the Mom (Or Moms) In Your Life By Kirk Leins Mother's Day is just a few days away. If you've yet to plan a celebration for the mom or moms in your life, you'll definitely want to stick with this article. It may be too late to make reservations at a restaurant, but it's not too late to put together an incredible lunch that you can serve right in your own home. Keep Reading »    Cash for Clunker Appliances The fridge on its last legs? Uncle Sam wants you to replace it with a new, energy efficient model – and will give you money to do so. By Jim Ostroff, Kiplinger.com Cash rebates for clunker vehicles were such a smash hit, the government is at it again – this time offering you cash for your worn-out household appliances. The $300-million federal program – administered through the states – will provide consumers with a cash rebate of up to 15% of the cost of each new Energy Star-rated refrigerator, freezer, dishwasher, clothes washer, water heater and room air conditioner. Keep Reading »    Live It, Love It, Earn It A Her and His Book for Enhancing Finances Marianna Olszewski is on to something. From the moment we picked up her book, Live it, Love It, Earn It: A Woman's Guide to Financial Freedom, we knew it needed to be shared with our readers. Whether you're male or female, established or just starting out, we're sure you'll love Marianna's fresh take on taking control of your personal finances. Keep Reading »    Simple Truths Do You Walk the Talk? Motivational author and speaker Zig Ziglar once said, "Success means doing the best we can with what we have. Success is the doing, not the getting; in the trying, not the triumph. Success is a personal standard, reaching for the highest that is in us, becoming all that we can be." Keep Reading »    Shedding Winter Weight the Smart Way Tips for Keeping Weight Off for Good With summer just a few months away, many folks will soon begin focusing on shedding their winter weight in order to regain swimsuit physiques. If this is a yearly ritual for you, we urge you to read on. Dr. Paul Drew is back with us, sharing his tips for keeping the weight off for good. Keep Reading »    Webcam Interviews Offer Opportunities and Challenges for Applicants Here's What You Need to Know to Succeed When video capabilities were added to instant messaging services from AOL, Skype, and Yahoo, communication was changed forever. But what started out as fun technology for recording yourself or communicating with family and friends is now getting down to business. Keep Reading »    You are receiving a complimentary subscription to YOU Magazine as a result of your ongoing business relationship with Richard Woodward. While beneficial to a wide audience, this information is also commercial in nature and it may contain advertising materials. INVITE A FRIEND to receive YOU Magazine. Please feel free to invite your friends and colleagues to subscribe. SUBSCRIBE to YOU Magazine. If you received this message from a friend, you can subscribe online. Richard Woodward Envoy Mortgage 17311 Dallas Parkway, Suite 173 Dallas, Texas 75248   This helps us prevent automated programs from posting comments and sending spam. * Name: * Email Address: Address: City: State: Zip:   This helps us prevent automated programs from creating bogus contacts and adding them to your contacts database.

Recent Posts: Fannie Mae, Freddie Mac and FHA to increase fees as a result of the payroll tax extension Dallas and Forth Worth Homes Sales show double digit sales increase Use a Real Estate Team for your next home buying or selling experience. Yes. You should get prequalfied before looking at homes. How can you improve your credit score? Pending home sales in October up 9.2% from last year 6 Budget Friendly Steps to prepare your home to sell. Veterans $250 off closing cost we appreciate you Warren Buffet thinks you should buy a home now. Texas Veterans Home Loans Archive: December 2008 Lock Your Rate and Float Down Posted by Richard Woodward on December 31st, 2008 2:23 PM First Time Buyers $7500 Tax credit. What you should know. Posted by Richard Woodward on December 24th, 2008 10:59 AM Rates drop Again to Record Lows Posted by Richard Woodward on December 17th, 2008 5:26 PM October 2011 Bank Loan Officer of Mortgage Banker which is better? Posted by Richard Woodward on October 21st, 2011 1:13 PM VA Fees changing again Posted by Richard Woodward on October 17th, 2011 11:04 AM USDA Update regarding closings Posted by Richard Woodward on October 5th, 2011 4:25 PM September 2011 USDA Mortgage Financing after October 1st. Posted by Richard Woodward on September 30th, 2011 12:23 PM Waiting until Spring to Sell your Home might cost you. Posted by Richard Woodward on September 27th, 2011 11:37 AM Staging Your Home for Sale Posted by Richard Woodward on September 22nd, 2011 5:30 PM Mortgage Rate Chasing, Not Worth Trouble Posted by Richard Woodward on September 19th, 2011 5:34 PM How To Pick Your Lender Posted by Richard Woodward on September 16th, 2011 9:52 AM Changes Coming to USDA Home Loans October 1st, 2011 Posted by Richard Woodward on September 15th, 2011 9:53 AM Negative Media is Killing our Housing Market and Economy Posted by Richard Woodward on September 13th, 2011 9:44 AM Luxury and Vacation Homes are Selling Posted by Richard Woodward on September 12th, 2011 9:36 AM Is It Time to Refinance? Posted by Richard Woodward on September 9th, 2011 3:56 PM 5 Great Reasons to Sell Your House Today Posted by Richard Woodward on September 9th, 2011 9:34 AM Money to Purchase AND Renovate Your Home Posted by Richard Woodward on September 1st, 2011 9:15 AM August 2011 Short Sales: A Dignified Solution for Many Families Posted by Richard Woodward on August 31st, 2011 9:18 AM Short Sale Success: Key is to Change Our Mindset! Posted by Richard Woodward on August 30th, 2011 12:53 PM The Appraiser’s Role in Today’s Real Estate Transaction Posted by Richard Woodward on August 22nd, 2011 9:50 AM The Economy: Why All the Panic? Posted by Richard Woodward on August 17th, 2011 10:15 AM Marketing your listings for buyer leads Using Text Call Capture Posted by Richard Woodward on August 16th, 2011 1:11 PM Homeownership: Still the American Dream Posted by Richard Woodward on August 16th, 2011 9:39 AM Things to Consider Before Renting a Home You Can’t Sell? Posted by Richard Woodward on August 15th, 2011 10:54 AM Standard & Poor's Downgrades U.S. Credit Rating, Fannie Mae and Freddie Mac Posted by Richard Woodward on August 11th, 2011 3:01 PM What If You Could Buy Shoes…? Posted by Richard Woodward on August 11th, 2011 11:22 AM Is It Time To Purchase a New Home? Posted by Richard Woodward on August 10th, 2011 9:00 AM FSBO Not as easy as you think just ask the founder of forsalebyowner.com Posted by Richard Woodward on August 9th, 2011 12:54 PM Mortgage Rates: Impact of the Credit Rating Downgrade Posted by Richard Woodward on August 8th, 2011 9:25 AM July 2011 The only good news about higher gas prices. Posted by Richard Woodward on July 25th, 2011 11:12 AM June 2011 Fannie Mae offers Buyers discounts and paid closing cost Posted by Richard Woodward on June 14th, 2011 5:14 PM We've Got 4 Key Questions about Your Home Loan Situation Posted by Richard Woodward on June 10th, 2011 9:40 AM Financial News Icons Say Now Is the Time to BUY! Posted by Richard Woodward on June 7th, 2011 9:24 AM Is Now A Good Time To Become A First Time Home Buyer? Posted by Richard Woodward on June 3rd, 2011 2:31 PM May 2011 Mortgage Money IS Available…For Now Posted by Richard Woodward on May 25th, 2011 5:28 PM You can purchase if you plan and we can help Posted by Richard Woodward on May 19th, 2011 4:00 PM Home Affordability Depends on You Posted by Richard Woodward on May 17th, 2011 9:42 AM 4 Reasons to Buy a Home Now Posted by Richard Woodward on May 11th, 2011 5:12 PM Before You Make An Offer To Purchase A Home Posted by Richard Woodward on May 9th, 2011 3:12 PM April 2011 Special Fannie Mae HomePath Buyer Incentive Offer Posted by Richard Woodward on April 28th, 2011 12:36 PM Financial Reasons to Buy A Home Now Posted by Richard Woodward on April 8th, 2011 5:17 PM March 2011 FHA Announces Increase to Monthly Mortgage Insurance Premiums Posted by Richard Woodward on March 25th, 2011 2:56 PM Globalization's Impact on Home Loan Rates Posted by Richard Woodward on March 4th, 2011 11:07 AM February 2011 How Does Inflation Impact Interest Rates? Posted by Richard Woodward on February 13th, 2011 6:27 PM January 2011 Ask me about our preferred discount rate for my buyers. Posted by Richard Woodward on January 28th, 2011 3:38 PM Multimillionaire Hedge Fund Manager: If you don’t own a home, buy one Posted by Richard Woodward on January 12th, 2011 3:23 PM December 2010 Avoid Changes to Your Financial Profile During the Loan Process Posted by Richard Woodward on December 20th, 2010 9:46 AM What Are Points and When Should You Pay Them? Posted by Richard Woodward on December 6th, 2010 9:27 AM November 2010 Understanding What Causes Interest Rate Movement. Do you need a Mortgage Tune up? Posted by Richard Woodward on November 22nd, 2010 10:26 AM Preparing Your House for For Sale Posted by Richard Woodward on November 16th, 2010 1:03 PM Credit Monitoring Step 3-Creating Your Take Action Plan Checklist Posted by Richard Woodward on November 11th, 2010 2:07 PM Understanding What Causes Interest Rate Movement Posted by Richard Woodward on November 8th, 2010 4:32 PM Credit Tips That Will Score Lower Interest Rates Posted by Richard Woodward on November 1st, 2010 10:18 AM October 2010 The Foreclosure Moratorium: What It Means to You or Your Clients Posted by Richard Woodward on October 27th, 2010 2:40 PM September 2010 Can You Get A Loan Today - Absolutely Posted by Richard Woodward on September 24th, 2010 11:03 AM August 2010 Buyers under $280,000 will see increased cost for FHA Loans. Posted by Richard Woodward on August 19th, 2010 1:10 PM Restrictions on Bank Overdraft Fees Kick In Posted by Richard Woodward on August 16th, 2010 11:13 AM Five Reasons to Refinance Your Mortgage Posted by Richard Woodward on August 11th, 2010 4:08 PM Avoid foreclosure. Get the help you need. Posted by Richard Woodward on August 5th, 2010 10:32 AM Things Your Agent Should Know About Your Mortgage Approval Posted by Richard Woodward on August 3rd, 2010 11:48 AM July 2010 The Truth About Appraisals Posted by Richard Woodward on July 22nd, 2010 9:38 AM Credit Scoring Part IV: Credit Remediation Posted by Richard Woodward on July 19th, 2010 3:29 PM Credit Scoring Part III: Dealing with Challenges Posted by Richard Woodward on July 13th, 2010 11:07 AM 100% Financing - USDA Program Makes "Rural" Homes More Accessible Posted by Richard Woodward on July 9th, 2010 10:47 AM What Good is an Tax Credit Extension without a Loan Approval? Posted by Richard Woodward on July 6th, 2010 3:21 PM Credit Scoring: Part II: The Five Factors of Credit Scoring Posted by Richard Woodward on July 5th, 2010 8:48 AM Happy Independence Day Posted by Richard Woodward on July 2nd, 2010 11:39 AM Home Buyers’ Tax Credit Extended Posted by Richard Woodward on July 1st, 2010 2:32 PM June 2010 Fannie Mae's new "Loan Quality Initiative" Could Derail Your Mortgage Closing Posted by Richard Woodward on June 30th, 2010 1:54 PM How to Buy A Home in Today's Market Posted by Richard Woodward on June 29th, 2010 9:46 AM Timing the Real Estate Market - Now could be the time to buy! Posted by Richard Woodward on June 25th, 2010 3:06 PM Good Day in the Mortgage Rate Market today Posted by Richard Woodward on June 21st, 2010 4:03 PM Friday Rate Lock Advisory Posted by Richard Woodward on June 18th, 2010 10:17 AM Upcoming Fed Meetings could impact rates Posted by Richard Woodward on June 16th, 2010 12:46 PM May 2010 Rate versus Price Reduction - Mortgage Rates hit all time low for 2010 Posted by Richard Woodward on May 20th, 2010 3:27 PM Create Your Own Buyer Stimulus Package Posted by Richard Woodward on May 7th, 2010 10:13 AM Are Interest Rates On th Rise? Posted by Richard Woodward on May 3rd, 2010 9:34 AM April 2010 Special Alert the FED is meeting and that could impact rates. Posted by Richard Woodward on April 21st, 2010 12:03 PM Fannie Mae Announces reduced wait times for buyers with previous short sale on record Posted by Richard Woodward on April 15th, 2010 2:44 PM Factors to Consider When It Comes To Your Mortgage Posted by Richard Woodward on April 9th, 2010 9:02 AM March 2010 Homebuyers The Time To Act Is Now Posted by Richard Woodward on March 15th, 2010 4:33 PM Cash Strapped Buyers Could Get Shut Out Posted by Richard Woodward on March 12th, 2010 3:10 PM Where Are Rates Going Now? Posted by Richard Woodward on March 5th, 2010 2:10 PM How to buy a Fixer-Upper Posted by Richard Woodward on March 1st, 2010 2:50 PM February 2010 USDA Program Makes "Rural" Homes More Accessible Posted by Richard Woodward on February 17th, 2010 1:17 PM Time is Running Out for Significant Savings! Posted by Richard Woodward on February 5th, 2010 10:16 AM January 2010 Those Who Wait Will Pay Thousands More This Spring Posted by Richard Woodward on January 29th, 2010 12:13 PM FHA Announces Big Changes to Existing Programs Posted by Richard Woodward on January 20th, 2010 3:57 PM The New Good Faith Estimate Posted by Richard Woodward on January 6th, 2010 5:46 PM December 2009 Capitalizing on the Housing Market: Is the glass half full or half empty? Posted by Richard Woodward on December 22nd, 2009 3:29 PM Fannie Mae makes changes that further restricts lending Posted by Richard Woodward on December 10th, 2009 10:43 AM November 2009 First Time Homebuyer Tax Credit and Step Up Buyer Tax Credit Extended Into 2010! Posted by Richard Woodward on November 11th, 2009 11:15 AM October 2009 First Time Homebuyer and Seller Alert! Posted by Richard Woodward on October 14th, 2009 11:44 AM Higher Rates are coming Posted by Richard Woodward on October 9th, 2009 10:35 AM The Importance of Acting Now - Waiting Really Could Cost You Posted by Richard Woodward on October 5th, 2009 9:59 AM September 2009 Higher Interest Rates are likely coming Posted by Richard Woodward on September 22nd, 2009 10:27 AM Time is Running Out on the $8000 Tax Credit Posted by Richard Woodward on September 15th, 2009 6:00 PM Tougher Lending Environment Ahead Posted by Richard Woodward on September 2nd, 2009 3:17 PM August 2009 Home Mortgages that includes Remodel Updates Posted by Richard Woodward on August 12th, 2009 3:22 PM July 2009 Homebuyer Protection Legislation that could hurt Posted by Richard Woodward on July 31st, 2009 2:51 PM Daily Rate Lock Advisory 7-22-09 Posted by Richard Woodward on July 22nd, 2009 1:56 PM Government Regulation Clogs the Pipes - What that means to you Posted by Richard Woodward on July 15th, 2009 3:43 PM June 2009 Lower Rates as Hedge Fund buys Mortgage Backed Securities Posted by Richard Woodward on June 12th, 2009 10:56 AM Rates still on the rise Posted by Richard Woodward on June 9th, 2009 10:51 AM Why you should buy now Posted by Richard Woodward on June 5th, 2009 9:01 AM May 2009 Mortgage Rate update Posted by Richard Woodward on May 22nd, 2009 10:57 AM FHA Posted by Richard Woodward on May 14th, 2009 11:30 AM Rates are lower today Posted by Richard Woodward on May 13th, 2009 2:09 PM April 2009 Shopping Around? Here's the inside scoop on how to do it right! Posted by Richard Woodward on April 15th, 2009 9:47 AM March 2009 $100 down payment HUD Home Program information Posted by Richard Woodward on March 25th, 2009 12:16 PM Special Alert - Federal Reserve Surprises Financial Markets Posted by Richard Woodward on March 20th, 2009 9:41 AM February 2009 The Homewoner Affordability and Stability Plan, What does it mean? Posted by Richard Woodward on February 20th, 2009 9:58 AM Economic Stimulus Plan Benefits the Housing and Mortgage Industries Posted by Richard Woodward on February 17th, 2009 6:22 PM First Time Buyer Tax Credit Posted by Richard Woodward on February 16th, 2009 10:44 AM Inside Story: False Illusions and What You Need to Know Posted by Richard Woodward on February 4th, 2009 1:03 PM January 2009 What Happened to 4.5% Mortgage Rates? 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Envoy Mortgage Ltd. – Mortgage Banker Registration- #45300 COMPLAINTS REGARDING MORTGAGE BANKERS SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF MORTGAGE BANKERS . A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOV

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