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Embedded screen-sharing technology makes this pre-GFE financial presentation a natural for telesales agents and traditional MLO's alike. Provide leads/prospects with mortgage loan options - lends clarity and professionalism to your presentations
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Is this YOUR Institutions’ Pre-GFE Loan Presentation? From: [email protected] [mailto:[email protected]] Sent: Wednesday, February 29, 2012 12:22 PMTo: [email protected]: RE: mortgage rates I have a few options for you. First, here is a synopsis of your current loan. The current rate is 4.625%. The loan has about 27.5 years remaining with a balance of approximately $399,000. The 30 year option would be at a rate of 3.875%. Based on a loan amount of $406,000, the principle and interest payment would be $1909 or $234 less than your current payment. The 20 year option would be at a rate of 3.625%. Based on the same loan amount, the principle and interest payment would be approximately $2,381. If your goal is to reduce the overall payment, another option to consider would be a 5/1 ARM at a rate of 2.25%. The would change the principle and interest payment to $1,552 or $591 less than your current payment. (Obviously the savings could be added to the principle of the new loan each month, reducing the principle by over $35,000 in that five year period. Thanks, Loan R. Officer
Mortgage ConsultantResidential SalesNMLSR ID 999X
XYZ Residential Mortgage | 21 Oak Tree Dr | Charlotte, NC 22407Tel (336) 888-1111 | | Fax (866) [email protected]
This is an unsecured email service which is not intended for sending confidential or sensitive information. Please do not include your social security number, account number, or any other personal or financial information in the content of the email. This may be a promotional email. To discontinue receiving promotional emails from XYZ Bank N.A., including XYZ Residential Mortgage, click here [email protected].
It shouldn’t be From: [email protected] [mailto:[email protected]] Sent: Wednesday, February 29, 2012 12:22 PMTo: [email protected]: RE: mortgage rates I have a few options for you. First, here is a synopsis of your current loan. The current rate is 4.625%. The loan has about 27.5 years remaining with a balance of approximately $399,000. The 30 year option1,2 would be at a rate of 3.875%1,4,5. Based on a loan amount of $406,0001, the principle and interest payment would be $19091,3,7 or $234 less than your current payment. The 20 year option1,2 would be at a rate of 3.625%1,4. Based on the same loan amount, the principle and interest payment would be approximately $2,3811,3,7. If your goal is to reduce the overall payment, another option to consider would be a 5/1 ARM at a rate of 2.25%1,3,4,5. The would change the principle and interest payment to $1,5521,3,6,7 or $591 less than your current payment. (Obviously the savings could be added to the principle of the new loan each month, reducing the principle by over $35,000 in that five year period.
Thanks, Loan R. Officer
Mortgage ConsultantResidential SalesNMLSR ID 999X
XYZ Residential Mortgage | 21 Oak Tree Dr | Charlotte, NC 22407Tel (336) 888-1111 | | Fax (866) [email protected]
This is an unsecured email service which is not intended for sending confidential or sensitive information. Please do not include your social security number, account number, or any other personal or financial information in the content of the email. This may be a promotional email. To discontinue receiving promotional emails from XYZ Bank N.A., including XYZ Residential Mortgage, click here [email protected].
1. Trigger terms
2. Period of repayment
3. Terms of repayment
4. APR disclosure (missing)
5. Index + margin (missing)
6. P&I payment based on initial note rate, not index + margin
7. Missing required disclosure - Actual payment will be higher to include taxes and insurance
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