Westgate Financial & Real Estate
<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0><script> (function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){ (i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o), m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m) })(window,document,'script','//www.google-analytics.com/analytics.js','ga'); ga('create', 'UA-47423994-1', 'fortunecity.ws'); ga('send', 'pageview'); </script> <center> <br> <div> <script language="javascript" type="text/javascript" src="http://ad.broadcaststation.net/ads/show_ad.php?width=728&height=90"></script> </div> </center> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" rowspan="2" width=240 BGCOLOR="#FFFFFF" TEXT="#080000"> <bR> <div> <B><IMG SRC="1535a3e0.gif" border=0 width="90" height="62" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> <B>Fast</B><FONT SIZE="2" COLOR="#003366" FACE="Book Antiqua" ><B> & </B></FONT><B>Professional</B></div> <div> <B>service you can trust!</B></div> <bR> <div> <A HREF="id10.htm" TARGET="_top" TITLE="Loan Application"><U><B>Loan Application</B></U></A></div> <div> <A HREF="id10.htm" TARGET="_top" TITLE="Loan Application"><U><B> (Click Here)</B></U></A></div> <bR> <div> <B>Refinance </B><FONT SIZE="2" COLOR="#003366" FACE="Book Antiqua" ><B>& lower your</B></FONT></div> <div> <B>monthly payment, get cash back</B></div> <div> <B>for debt consolidation,</B></div> <div> <B>home improvement, college...</B></div> <bR> <div> <B>Westgate Financial & RE</B></div> <div> <B>offers mortgage financing</B></div> <div> <B>for California,</B></div> <div> <B>Colorado, Florida & Maryland.</B></div> <bR> <div> <B><IMG SRC="148201a0.gif" border=0 width="32" height="26" ALT="Microsoft Clip Gallery" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> <div> Equal Housing Opportunity</div> <div> CA Dept. of Real Estate</div> <div> Broker's Lic. #01269917</div> <div> Florida MB#0227984</div> <div> Florida MBB#0300998</div> <bR> <bR> <bR> <div> <I>Visicom Media, Inc.</I></div> <div> <I>#2029</I></div> <bR> <bR> </td> <td valign="top" colspan=2 height=145 BGCOLOR="#CCCC99" TEXT="#080000" bgproperties="fixed" background="12b8dfe1esnpes.jpg"> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="92" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 77 ><NOBR><div> <B><IMG SRC="13a4a470.gif" border=0 width="74" height="71" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> </NOBR></tD> </tR> </TABLE></B></div> <div> <B>Westgate Financial & Real Estate</B></div> </td> </tr><tr> <td valign="top" height=335 colspan=2 BGCOLOR="#CCCC99" TEXT="#080000" bgproperties="fixed" background="12b8dfc3.jpg"> <div> <A HREF="id2.htm" TARGET="_top" TITLE="Contact Us"><U><B>Contact Us</B></U></A></div> <div> <A HREF="id3.htm" TARGET="_top" TITLE="California"><U><B>California</B></U></A></div> <div> <A HREF="id22.htm" TARGET="_top" TITLE="Colorado"><U><B>Colorado</B></U></A></div> <div> <A HREF="id16.htm" TARGET="_top" TITLE="Florida"><U><B>Florida</B></U></A></div> <div> <A HREF="id19.htm" TARGET="_top" TITLE="Maryland"><U><B>Maryland</B></U></A></div> <bR> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="468" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 30 WIDTH="456"><div> <B>We offer ZERO point loans!</B></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 131 ><NOBR><bR> <div> Fast, friendly & honest service you can trust.</div> <div> We treat your loan as if it were our own.</div> <div> We look forward to providing you with</div> <div> excellent service and appreciate your business.</div> <bR> </NOBR></tD> </tR> </TABLE></B></div> <bR> <div> <B><U>Frequently asked Questions:</U></B></div> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="508" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 198 WIDTH="192"><div> We need to lower our monthly payment significantly and we may sell in a couple of years. Which loan should we refinance with?</div> </tD> <tD VALIGN=TOP WIDTH="297"><div> A 5/1 ARM (adjustable rate) mortgage is amortized over a period of 30-years. The rate is fixed for the 1st 5 years and then can adjust. It offers a low monthly payment, lower than the 30-year fixed and if you plan to sell in the next couple of years, you really do not need the 30-year fixed rate.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 242 WIDTH="192"><div> Do we have to pay for an appraisal?</div> </tD> <tD VALIGN=TOP WIDTH="297"><div> If your loan amount is under $300,000, your loan-to-value is 80% or less, and you do not want any cash back, you may be able to avoid having an appraisal! This will save time and money! We are offering this for a limited time only. If you are required to have an appraisal, the average cost is $325 and most appraisers accept checks and credit cards.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 176 WIDTH="192"><div> With rates so low, we think that the 15-year fixed is the way to go. What do you think?</div> </tD> <tD VALIGN=TOP WIDTH="297"><div> The 15-year fixed rate is amortized over 15-years, meaning that the loan is paid off in 15-years. The monthly payment on this loan is much higher than the 30-year fixed rate so we need to make sure that you can afford the higher payment.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 307 WIDTH="192"><div> I want to get cash back from my refinance to pay off my car loan. The interest rate on my car loan is really high. Can I do this?</div> </tD> <tD VALIGN=TOP WIDTH="297"><div> Absolutely! With rates this low, it is a smart move to pull out the extra cash you need at a low interest rate and pay off your car loan. Many of my clients are getting extra cash back for home improvements they have been putting off because now it is so affordable. I am also seeing cash back from refinancing going to pay off credit cards that charge 19% interest on the balances, or more. It makes sense and this is the perfect time.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 198 WIDTH="192"><div> Why do some companies offer lower rates than others?</div> </tD> <tD VALIGN=TOP WIDTH="297"><div> Many companies offer a lower rate, but you have to pay for it (there is no free lunch). These companies offer a lower rate and then tack on extra points that you have to pay to get that rate. Be careful! One point is equal to one percent of the loan amount. These extra costs can add up fast.</div> </tD> </tR> </TABLE></B></div> <div> <B>Compare a lower rate:</B></div> <div> Loan amount $200,000, 30-year fixed rate 5.125%</div> <div> Monthly payment approx. $1,088</div> <bR> <div> The same loan with a rate of 6.25%</div> <div> Monthly payment approx. $1,231</div> <bR> <div> By refinancing to a lower rate, the</div> <div> monthly savings is <B>$143 each month</B>...</div> <div> (if the current rate is higher, the savings is more)</div> <bR> <bR> <bR> </td> </tr></table></body>