December 18, 2012

Tragic Senseless Killings Must Stop

Remembering the 20 children and 6 staff members
that were killed in Newtown Conneticut by a mentally challenged gunman
Charlotte Bacon, 6; Daniel Barden, 7; Rachel Davino, 29; Olivia Engel, 6; Josephine Gay, 7; Ana M Marquez-Greene, 6; Dylan Hockley, 6; Dawn Hocksprung, 47; Madeline F. Hsu, 6; Catherine V. Hubbard, 6; Chase Kowalski, 7; Jesse Lewis, 6; James Mattioli, 6; Grace McDonnell, 7; Anne Marie Murphy, 52; Emilie Parker, 6; Jack Pinto, 6; Noah Pozner, 6; Caroline Previdi, 6; Jessica Rekos, 6; Avielle Richman, 6; Lauren Russeau, 30; Mary Sherlach, 56; Victoria Soto, 27; Benjamin Wheeler, 6; Allison N Wyatt, 6.

 
My heart is breaking for the children and staff members that were killed at Sandy Hook Elementary School in Newtown Connecticut.
My thoughts and prayers go out to them and their families.

It's time for everyone in the USA
to take a stand against gun violence.

Sincerely,
Bruce W. Johnson

November 7, 2012

Ebay Auctions to Support a Charity for Local Kids!

100% of the proceeds will benefit
Guitars Not Guns non-profit music program for deserving kids
a federally exempt 501 (c)(3) non-profit organization
items to be listed beginning
Wednesday, November 28, 2012
AUCTIONS have ENDED - Thanks to all For Bidding!
 guitarsnotguns_501c3_4kids

Items will include
autographed guitars by:
Montrose, Sammy Hagar, Van Halen,
Chickenfoot, Sammy and the Wabos
Ed Roland & Kevin Griffin
Collective Soul, Better than Ezra,
Southern Gentlemen, The Sweet Tea Project
Frank Zappa, Public Image Ltd., Alcatrazz,
David Lee Roth, Whitesnake, Steve Vai
autographed pick guards & memorabilia by:
Alice Cooper, Chuck Garric, Colbie Caillat, Duane Eddy, Eric Johnson,
Joe Bonamassa, Joe Satriani, John Sebastian,
Kenny Loggins, Kenny Wayne Shepherd, Michael Anthony, Orianthi,
Pat Travers, Phil Everly, Steve Vai, Vivian Campbell
vintage & unique guitars:
1982-1985 Fender USA Telecaster, 1987 Guild USA JF50R-NT
Jumbo Acoustic, 1988 Guild USA Pilot Bass,
1992 Hamer USA Artist Korina Electric, 1996 Hamer USA Artist Electric,
Burns Steer Electric
and more items to be added!
Photo Gallery here:
Google Picasa Album

Preview Auctions:

Ebay Listings (listings to begin November 28, 2012):

Your winning bid will support a great non-profit
Music Program for Deserving Kids!
 
Please print out this pdf flyer and
help promote these auctions for a great cause!
Thank You!
 
 

October 31, 2012

July 5, 2012

Lowest NO COST Mortgage Rates ever!

Rates have hit the lowest point since long term mortgage programs were introduced!

Less than 20% equity, or upside down on equity?
Is your lender serviced loan owned by:

Fannie Mae? check here
Freddie Mac?  check here

If so, you may qualify for a HARP refi!

I work with dozens of wholesale home loan funding sources and will do the legwork & paperwork for you to be sure you qualify for the best rate with lowest fees. Unlike most online sweat shop "order takers" (Lending Tree, Quicken, Cash Call, etc.), I provide personalized service and 26 years of industry experience eliminating your financing headaches. I work for your best interest and NOT the lender's.

Don't want to pay any fees? If your property will be owner occupied, I have access to programs that offer lender credits (points back to you) to cover any and all closing costs!

If your property is in California, and are looking for a loan with lowest possible rate and lowest fees--refinancing or purchase-- please contact me

FREE -  No obligation quote for your specific qualifications and property type!

March 9, 2012

You don't need a rate 1% lower for a Refi to make sense!

Forget the obsolete Rule of Thumb: "Only refinance if rate is 1% lower"
Check this out!

Assumption:
 30 Year Fixed Rate at 4.25% closed 2 years ago with $350,000 original loan balance
P&I Payment = $1722. Current loan balance is $338,500.

Refi rate is only 3/8% Lower...
Refinance with a "No Cost" loan at 3.875% 30 Year Fixed Rate:
New P&I Payment will be $1592  without increasing loan amount.
However, so you do not extend your new loan term longer remaining term on previous loan,
you continue to make payments of $1722.


Look at this!
New Loan will pay off 25 months earlier and you Save $42,322 in interest.
and this is with a rate only 3/8% lower than current rate!

   
If it cost you nothing, other than your time to gather documentation, why would you not refinance? 

Contact me for your free customized Savings Analysis and let's see what you might save!

Remember, as a mortage broker I have access to hundreds of wholesale
funding sources and I do all the work for you -  you save time and money.
No Cost "Lender Credit" loans available as in above assumption!


Call me now at 925-691-9909!

January 6, 2012

Happy New Year - Fixed Rate Mortgages UNDER 4%!

Is your mortgage rate over 4%? 
Call or email me today and let me show you how you can save by refinancing!  *FREE REFI ANALYSIS + 3 SCORE CREDIT REPORT!

I have direct access to hundreds of wholesale home loan lender's programs. I am not limited to just one lender's rates or qualifying requirements - which assures you that I will secure the lowest rate and fee loan for your specific qualifications. Unlike the online mortgage company representative, or local bank loan officer, I look out for your best interest!  I will save you time, money, and lender hassles! Ask about "No Cost" Lender Credit and "Rate Drop" programs too!

Considering purchasing a home?  With rates under 4% do you have any idea how much home you can really buy?
at $1000 monthly?
at $2000 monthly?
at $3000 or more monthly?
Keep in mind, as rates increase, those same payments will buy a lot less home!
Now is a great time to maximize your buying power --while rates and prices are low!

Call or email me today for *FREE BUYING POWER ANALYSIS!

Bruce W Johnson
"Your Real Estate Pro since 1986"
CA Dept of Real Estate Broker License #00941159
Nationwide Mortgage Licensing System ID #329513
Direct: 925-691-9909

 * I can assist with financing, purchasing, or selling a home anywhere in California!