In This Issue:
*Six Reasons To Refinance
*Four Points Why You May Need a Real Estate Attorney
*Real Estate Agents

Julias Stewart, Esq.

*Six Reasons To Refinance
By, Donovan Howard, Loan Officer 
Home Savings of America

1. Consolidate Debt/Home Improvements

Use the equity in your home to consolidate high-interest debt and have one low monthly payment.

2. Convert To A Fixed Rate

Refinance from an ARM to while rates are still low and lock in your rate.

3. Eliminate Private Mortgage Insurance (PMI) Some loan programs continue to charge PMI even though The borrower has more than 20 percent equity in the property. We also currently have programs that can eliminate PMI even with less than 20 percent equity in your property.

4. Change your Term

Pay of your 30 year mortgage faster by switching to a 20 or 15 year term. Lower your monthly payment by switching from a 15 or 20 year mortgage to a 30 year term.

5. Convert to An Adjustable-Rate Mortgage (ARM)

Convert from a fixed rate mortgage to an ARM an initially lower your monthly payment.

6. Need Cash Fast

Tap into the equity in your home and pull out money immediately.


*Four Points Why You May Need a Real Estate Attorney
By, Julias Stewart, Esq.

1. If you need to take legal action as a property owner, you are taken seriously if you have a real estate lawyer. Six Good Reasons to Refinance

2. A lawyer will view your real estate transaction from a litigation perspective. If there is a possibility of litigation, a lawyer will know the likelihood of success and the projected cost.

3. A lawyer can represent your interest in court. No one else can represent you in court.
4. A lawyer can view your situation from many perspectives, such as asset protection, retirement, etc.

Julias Stewart, Esq.
22130 Clarendon Street
Woodland Hills, CA 91367
Tel: (818) 264-4888  Fax: (818) 572-8790

REAL ESTATE SERVICES - Queens, Brooklyn, Bronx, New York

Janet Shields Scott / New York Real Estate Agent

Julias Stewart /Real Estate Attorney & Agent / Los Angeles, CA.