Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.750% Rate 6.751% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 5.625% Rate 5.625% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.750% Rate 6.751% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 6.125% Rate 6.126% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

what gives us heart attacks

After an exhaustive review of the research literature here is the final word on nutrition and health:

1.   Those in Japan eat very little fat and suffer fewer heart attacks than us. 
2.   Those in Mexico eat a lot of fat and suffer fewer heart attacks than us. 
3.   Those in China drink very little red wine and suffer fewer heart attacks than us. 
4.   Those in Italy drink excessive amounts of red wine and suffer fewer heart attacks than us. 
5.   Those in Germany drink beer and eat lots of sausages and fats and suffer fewer heart attacks than us. 

CONCLUSION: 
Eat and drink whatever the heck you like. Speaking English is apparently what kills you.  

 

Sunil Sethi

Fremont Realtor, Mortgage Broker

Main (510 793-8600

Cell   (510) 388-2436

Fax   (510) 431-9046  
sunil@sunilsethi.com

www.sunilsethi.com

 

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.500% Rate 6.502% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 5.750% Rate 5.750% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 5.750% Rate 5.750% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.500% Rate 6.502% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 5.875% Rate 5.875% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.625% Rate 6.626% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 5 Year ARM 6.000% Rate 6.004% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.625% Rate 6.626% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 5 Year ARM 5.875% Rate 5.880% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.625% Rate 6.626% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 6.125% Rate 6.126% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Non Conforming 7 Year ARM 7.250% Rate 7.287% APR No Points. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $900000 Loan Amount, 30 Lock Days, Qualified Borrowers Only.

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

FW: UC50 Event: Bring in the Year of the Ox!

 

From: Union City 50th Anniversary Celebration [mailto:unioncity50th@comcast.net]
Sent: Wednesday, January 21, 2009 9:18 AM
Subject: UC50 Event: Bring in the Year of the Ox!

 

If you're having trouble viewing this email, you may see it online.

Union City 50th Anniversary Celebration Committee P.O. Box 963 Union City, CA 94587

This email was sent to sunilsethi@yahoo.com. To ensure that you continue receiving our emails, please add us to your address book or safe list. manage your preferences | opt out using TrueRemove®. Got this as a forward? Sign up to receive our future emails. email marketing by Kennedy Consulting powered by

 

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.500% Rate 6.502% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 5.875% Rate 5.875% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.500% Rate 6.502% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 5.750% Rate 5.750% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 5 Year ARM 5.875% Rate 5.880% APR No Points. No Closing Costs. Refinance Rate Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 30 Year Fixed 6.875% Rate 6.876% APR No Points. No Closing Costs. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

Today's Rate

The Following are Refinance Rates::

Conforming 30 Year Fixed 6.500% Rate 6.502% APR No Points. No Closing Cost. Refinance rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conforming 15 Year Fixed 5.750% Rate 5.750% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $400000 Loan Amount, 21 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR   Conf Jumbo 15 Year Fixed 6.000% Rate 6.001% APR No Points. No Closing Costs. Refinance Rate. Pricing based on 720 credit score, 40% Debt to Income Ratio, 80% Loan to Value Ratio, $500000 Loan Amount, 30 Lock Days, Qualified Borrowers Only. When Mortgage Insurance is applicable, it is not calculated in the APR

The above programs assume you are financing a single family detached home. Additional discounts may be available for low LTVs, high FICOs and imploying impound accounts to pay for property taxes and insurance. Rates are subject to change without notice.

Sincerely, Sunil Sethi Broker, Realtor, MBA, CPA (510) 793-8600 ext. 107 (510) 388-2436

Click Here to be removed from this list

FW: Realegal -- IRS TO EXPEDITE TAX LIEN RELIEF FOR HOMEOWNERS

 

 

Sunil Sethi

Main (510 793-8600

Cell   (510) 388-2436

Fax   (510) 431-9046  
sunil@sunilsethi.com

www.sunilsethi.com

 

From: Realegal [mailto:newsletters@mail2.carwebs.org]
Sent: Friday, January 16, 2009 10:28 AM
To: sunil@smafinancing.com
Subject: Realegal -- IRS TO EXPEDITE TAX LIEN RELIEF FOR HOMEOWNERS

 

	Friday, January 16, 2009 Brought to you by the CALIFORNIA ASSOCIATION OF REALTORS®
	IRS TO EXPEDITE TAX LIEN RELIEF FOR HOMEOWNERS The Internal Revenue Service (IRS) recently announced it will expedite its process of providing relief from federal tax liens for distressed homeowners. With over one million current federal tax liens against real and personal property, the IRS announcement should help REALTORS® and their clients resolve federal tax lien issues in their sale and loan transactions. As background, a homeowner seeking to sell or refinance a property must generally pay off an existing federal tax lien. However, during the current economic downturn, many homeowners don't have the cash or equity to do so. Hence, for a refinance, the homeowner may request that the IRS makes its tax lien subordinate or secondary to the lien of the refinancing lender. For a sale, the homeowner may, under certain circumstances, request that the IRS discharge its claim. The IRS's processing time for subordination or discharge requests has been about 30 days. The IRS is currently working to expedite that time frame to help distressed homeowners. For IRS instructions on requesting relief from federal tax liens, go to the IRS Publication 783 for discharges and Publication 784 for subordinations at www.irs.gov. C.A.R. provides REALTORS® with many legal articles covering a wide range of topics of interest. Some of the new or newly revised legal articles available at http://qa.car.org are as follows: - Abandoned Personal Property After Termination of a Tenancy. - REO "Net" Commissions. - Licensing Guide for REALTORS®. More info top      Realegal® is published by the CALIFORNIA ASSOCIATION OF REALTORS®, a trade association representing nearly 200,000 REALTORS® statewide. Executive offices: 525 South Virgil Ave., Los Angeles CA 90020 phone (213) 739-8200; fax (213) 480-7724 Legislative offices: 980 Ninth Street #1430, Sacramento CA 95814 phone (916) 492-5200; fax (916) 444-2033 To view C.A.R.'s Privacy Policy, click on this link: http://www.car.org/aboutus/privacypolicy/ If you wish to update the email address to which this newsletter is sent, please do not reply to this email. Email address change requests must be directed to your local Association, the Bay East Association of REALTORS® at triciat@bayeast.org. You are receiving the HTML version of Realegal®. To receive it in text format, Click here To be removed from this mailing list please do not respond to this e-mail. Simply Click Here To contact C.A.R. regarding Realegal®, click on this link: http://www.car.org/?view=ContactUs
	Copyright © 2009 CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.)