Welcome Mobile #chicago #mortgages


Hometown Banking At Its Best

There are several factors that distinguish us as a real community bank. First, we are locally run. Decisions are made by people who know you and care about your needs. As a result, you gain from our responsive service and true understanding of what this community needs. Through this understanding we can tailor products to meet the needs of local consumers.

Second, there is on-site control over all services, products, loan approvals, and interest rates. Because we’re locally managed, we can set our rates right here. We don’t have to get them approved by a corporate office somewhere else. And we don’t have the overhead that big banks do, so we can pass the savings on to you.

Third, deposits of the bank are invested back into the community in the form of business and residential loans. So in a way, you can help enhance your hometown, just by being a part of community banking.

Finally, we are dedicated to the financial support of the local community in order to make it a better place to live.

What Is A Community Bank?

Community banking begins with the customer, his or her wants and needs. It sounds simple, but most banks just don’t get it.

People want a bank where they’re known by name and made to feel welcome as soon as they come in the door. When one of our staff says, “May I help you?” they really want to help you. No one ever has to pay a fee for using a teller.

People want the kind of bank that will service them for life. Where parents can take their kids to learn about banking and saving, and maybe meet the bank’s president. Where older kids can get help all the way through college. Where all of a family’s financial events from the household checking account to trust and estate planning will be as important to the bank as they are to the family. It is where our senior generations can find security and comfort in specially tailored senior products and services that meet their unique needs.

People want to keep it local. A bank’s management should live a local phone call away, and be involved with community events. The bank should become an important part of the community, help it solve its problems and plan for its future. A bank should be a good neighbor, friendly, helpful and generous.

Innovative Products and a Friendly Smile Set Us Apart From the Competition

We are the bank you are looking for. We are big enough to handle $50 million loans to businesses in the area, yet small enough to hand out cookies and coffee when you come in the bank, lollipops to kids, and even dog biscuits to “man’s best friend”. We’re large enough to handle the most complex Trust and Wealth Management issues or able to provide you a simple FREE checking account, and when you call, we’ll answer the phone and know you by name. Whether your business needs to refinance its office building or your daughter needs a mortgage for her first home, we’ll get it done for you. We have the resources of the big banks (at least the same, if not better solutions) paired with the best customer service. We’re never too busy to sit down with you and talk over a cup of coffee. So stop by and find out how great hometown banking can really be. You’ll be glad you did.

Welcome Mobile

Homepage – Hallmark Mortgages Ltd #hallmark, #mortgages, #ltd, #england, #united #kingdom


Speak to us now.

Welcome to the Hallmark Mortgages website. Feel free to take a look around.


Our aim is to provide you with excellent service and offer the best advice available to suit your individual needs. We pride ourselves on our personal service, especially home visits at a time to suit you or if you are further afield we can still handle your needs by internet, phone and email.

Stephen Turner heads the company with more than 26 years personal industry experience, including major insurers and compliance officer for a large mortgage packager.

We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to lender. We specialise in residential and buy to let mortgages and work closely with a number of solicitors and family mediators in divorce and separation cases. We are able to find our clients the best mortgage deal to suit their requirements, using our specialist software facilities and experience of the lenders criteria, especially if you have changed employment status or have had credit issues.

We will also help you to protect the most important first YOU, your family, home or buy to let by providing associated insurances such as life, critical illness, mortgage and income protection together with home and let property insurance. We also provide gas, electric, telephone, broadband and mobile services for both you and your SME business. If you are looking to purchase a property, re-mortgage to reduce your outgoings, borrow additional money, or you are looking to purchase an investment property with a buy-to-let mortgage, then we are here to help you.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an Independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (http://financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the EU Online Dispute Resolution Platform (https://webgate.ec.europe.eu/odr/main/?event=main.home.show if you live outside the the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service).

Your home may be repossessed if you do not keep up repayments on your mortgage.

Hallmark Mortgages is an Appointed Representative of Mortgage Next Network which is authorised and regulated by the Financial Conduct Authority under 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Hallmark Mortgages Limited FCA No. 578830. Registered in England and Wales No. 07974956. Registered Office: Hallmark Mortgages Limited, 35 Blenhiem Drive, Finningley, Doncaster, South Yorkshire, DN9 3QF

There will be a fee for the advice given, the exact amount will depend upon your circumstances but we estimate it will be 1%.

7 Cars With A Low Total Cost of Ownership #low #cost #mortgages


7 cars with a low total cost of ownership

Depreciation is the 800-pound gorilla of car ownership cost.

To be sure, a car s purchase price is important in determining cost of ownership because it s the base number needed to calculate a vehicle s depreciation, or loss of value. Purchase price minus sale or trade-in price, determines depreciation.

The more value your car retains over time, the lower the total cost of ownership. Other contributing factors are fuel (miles per gallon), scheduled maintenance, repairs, state fees and financing costs (interest on your car loan).

These elements vary based on individual behavior, location and other variables. But for the sake of comparison, it s possible to calculate averages to determine the five-year cost of ownership.

Bankrate turned to Kelly Blue Book (KBB) for a 20-vehicle (cars, trucks and crossovers) list of 2016 models with the lowest five-year cost of ownership. Bankrate plucked eight from those picks and here they are, beginning with the lowest cost of ownership.

Prices and descriptions are for the latest model year on sale in showrooms and don t include factory destination charge.

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The Bankrate Daily

Chevrolet Spark LS

Just squeaking by the Nissan Versa S, KBB ranked the Chevrolet Spark LS as having the overall lowest five-year cost of ownership. Its cost advantage reflects low fuel and insurance costs, with the lowest insurance costs among these picks. Weighing it down is its relatively high depreciation.

The LS comes with a 98-horsepower, 1.4-liter, four-cylinder engine and five-speed manual transmission. To gain power windows, locks and outboard mirrors requires stepping up to the 1LT trim.

However, the LS has as standard equipment 10 air bags, rearview camera, air conditioning, Bluetooth phone connectivity, a four-speaker audio system, 7-inch touchscreen, MyLink infotainment interface, USB port, OnStar telematics and Wi-Fi hotspot capability.

Suffering from the highest fuel cost and one of the higher insurance costs among the cars on this list, the Nissan Versa S still managed to rank second behind Spark, thanks primarily to its low rate of depreciation. This rating is for the sedan version only.

KBB broke out the Versa Note hatchback as a separate model, which didn t fare as well as the sedan.

As you might expect, as a sub-$12,000 car, the Versa S is short on frills. Power comes from a 109-horsepower, 1.6-liter, four-cylinder engine. A five-speed manual transmission ushers power to the front wheels.

Creature comforts are limited to six air bags, air conditioning, Bluetooth phone connectivity, a four-speaker audio system with auxiliary input jack and power outboard mirrors.

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Only a significantly higher depreciation cost put the Honda Fit behind the Nissan Versa. Fit beat Versa handily in fuel and maintenance costs. Its insurance and repair costs are middle of the pack. Extremely roomy for a subcompact, Fit provides more cargo room than its exterior size promises.

With a higher purchase price than Spark or Versa, Fit LX offers more standard convenience features than the top two cars. Thrust comes from a 130-horsepower, 1.5-liter, four-cylinder engine via a six-speed manual transmission.

Hill-start assist is standard. Other equipment included in the LX grade: multi-angle rearview camera, cruise control, auto on/off headlights, power outboard mirrors, windows and locks, air conditioning, 5-inch color screen, Bluetooth connectivity, and a four-speaker audio system with USB port.

For the sake of this exercise, you could easily replace the Kia Rio LX with the Hyundai Accent SE. They share most mechanical components and vary little in terms of ownership costs. In fact, when all five-year cost-to-own factors are compared, the final numbers are a photo finish with Accent winning by less than $100. Both these Korean cars stake out costs near mid pack.

Not as well stocked with goodies as others on this list, Rio derives its go from a 1.6-liter, four-cylinder engine that generates 138 horsepower. A six-speed manual transmission turns the front wheels.

Included in the standard equipment are hill-start assist, air conditioning, auto on/off headlights, six air bags and a four-speaker audio system with USB interface.

Although ranked 12th on KBB s list, Bankrate included Honda Civic LX because, in addition to a low cost of ownership, it s a terrific all-around car. Among the more fuel efficient, Civic s maintenance costs are lower than all but the other Honda on this list. A low rate of depreciation, though, landed it among these picks despite a relatively higher purchase price.

A 158-horsepower, 2-liter, four-cylinder engine mated to a six-speed manual transmission turns the front wheels. A long list of standard features include a multi-angle rearview camera, automatic climate control, capless fuel filler, power windows, door locks and outboard mirrors, cruise control, Bluetooth connectivity, and a four-speaker audio system with USB interface.

Toyota Tacoma SR Double Cab

Who would have thought a pickup truck even a midsize one would wind up on a low-cost-to-own list? Actually, the Nissan Frontier King Cab S is six spots farther down the list.

Here s how a couple of trucks made the cut: an extremely low rate of depreciation. Although the Nissan Versa s purchase price is about half that of Toyota Tacoma SR. its $8,628 depreciation cost is more than Tacoma s $8,199.

A 159-horsepower, 2.7-liter, four-cylinder engine sends output to the rear wheels by way of a six-speed automatic transmission. Air conditioning, eight air bags, hill-start assist, rearview camera, and power windows and door locks are standard, as is an integrated GoPro windshield mount.

Entertainment is from an Entune system with 6.1-inch touchscreen, six speakers, Bluetooth connectivity and USB interface.

Jeep Patriot Sport

Okay, Bankrate included the Patriot to have a crossover on the list. However, its total cost of ownership isn t much more than the Honda Civic or the Toyota Tacoma. Although its depreciation rate is trends to the high end, its maintenance and repair costs are mid pack. Only Toyota Tacoma has a higher fuel cost.

Jeep promotes Patriot as the most affordable sport-utility vehicle. However, to get there, the Patriot Sport is devoid of most creature comforts.

Air conditioning is optional. The engine is a 158-horsepower, 2-liter, four-cylinder that uses a five-speed manual transmission to turn the front wheels. Among the standard equipment in the Jeep Patriot Sport. six air bags, Uconnect voice command interface with Bluetooth connectivity and a four-speaker audio system with an auxiliary input jack.

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Current Mortgage Rates in IN – Indiana FHA Mortgage #indiana, #mortgages, #in, #indianapolis, #fort #wayne, #lafayette, #terre #haute, #today #s #mortgage #rates, #current #mortgage #rates, #lender #showcase, #advertising, #best #rates, #real #estate, #lowest #rates, #hsh


Current mortgage rates in Indiana: HSH.com s FHA/VA Showcase

Choose from Refinance lenders in Indiana for FHA 30-year mortgage rates

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Indiana Mortgages

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For Indiana, 88 counties have an FHA loan limit at $271,050 and the remaining 4 counties at $365,700.

As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

FHA Refinancing Options from #fha #refinance, #fha #refinancing, #fha #mortgage #refinance, #fha #loan, #fha #home #loans, #fha #refinance, #refinancing, #mortgage #refinance, #fha #mortgage, #loan #information, #help #articles, #fha #experts, #fha #blog, #subprime #mortgages, #subprime #fallout


FHA Refinancing

Changes in the housing market have given you-and thousands of other Americans-the option to refinance your current home mortgage with a FHA Refinance.

FHA Refinancing is a better option if you have a fair to good credit rating because, generally, FHA standards are less strict. Even if you likely will not qualify for conventional refinancing because of your income level, a FHA Refinance may still be an option for you.

FHA Refinance Requirements

There are some requirements that may apply when trying to refinance your current loan with the FHA. Keep in mind the following are simply guidelines-each borrower’s situation is different.

  • The mortgage that is to be refinanced must ultimately be insured through the FHA.
  • The current mortgage must be current and not delinquent.
  • The results of the refinance must lower the monthly principle and interest payments for the borrower.
  • No cash may be taken out on mortgages refinanced using the streamline refinance process.

Other Information on FHA Refinances

One Streamline Refinancing option you have is one that includes the closing costs into the new mortgage amount. This of course is only available if enough equity is in the home after it is appraised. The streamline refinance can occur without an appraisal but the new loan will not be able to exceed the original loan amount. If you are not living in the property (i.e. it is an investment property), the refinance can only occur without an appraisal.

FHA Loans by State

The FHA Home Loan Program

The FHA has been insuring loans since the 1930’s, and their refinancing department has been around since the early 1980’s. The FHA/HUD also offers the option of FHA Streamline Refinancing. The “streamline” refers to the amount of paperwork and underwriting involved and not to a monetary factor (such as being cheaper or having no cost at all).

Let FHA Mortgage Center.com be your guide to the benefits of a FHA Loan. FHA Mortgage Center.com is your one stop for all your FHA-related questions.

We update our FHA Lending articles and Help Guide frequently with new FHA information. Our FHA Blog is another great source of information from top industry experts with topics ranging from FHA Loan Limits to current changes in the FHA Program. We offer these resources because, most of all, we want to provide you with information to help you decide if a FHA Loan is the right choice for you.

FHA Mortgage Center.com Blog

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Why borrow from us?

  • Low fixed rates for conventional and jumbo mortgages compare them and see today’s rates .
  • Adjustable rate mortgages let you lock in a low rate the first few years. With 5/1 ARMs, rates are fixed the first 5 years. We also offer 3-, 7- and 10- year ARMs.
  • Mortgage Loan Consultants to help you from start to finish

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All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by TIAA-CREF Trust Company, FSB. Products may not be available in all states. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.

1 While consolidation may decrease your overall monthly payment obligations, refinancing pre-existing debt with a home equity line will require you to give us a security interest in your home and may increase the total number of monthly debt payments, as well as the aggregate amount paid over the term of the line.

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