Andrew-Hahn.com

Wow what happen in the game against the Canucks this past Tuesday.  They were up by 3 after the first period lookin good all was looking like we were going to tie Vancouver for the division then the 2nd period started we exchange  goals we’re still up by 3 then Samuelsson gets hot they score 2 more to end the period 3 to 4.  We’re still up by one I’m thinking we can pick up the pace hold on BUT ouch they come back to win 4 to 6.  Is Vancouver that good or did we just blow it.  Probably a bit of both, Oh well in looking at where we are and where they predicted us to be we are still doing pretty darn good.

Nuggets are doing Fantastic and are a blast to watch Colorado teams are stepping up and standing out. Rockies are looking good in their preseason as well.  Having a great time with Colorado sports. The pressure  is going to be on the football team; you know the Broncos maybe with less drama  things well settle down and they can get down to business.

To all have a great one and feel free to leave me a comment, start a discussion just have a little fun.

 This is a program that helps home owners who’s property values have declined in value due to the current economic downturn causing the Loan to Values ratio to go above what lending limits would (in the past) allow for to be able to refinance.  This program was created for those home owners who had obtained what is considered a conforming loan or the non Sub Prime Loans.  These are loans that are owned by Fannie Mae or Freddie Mac the two main Home Lenders in the market GSE’s); this program does not apply to FHA Loans or non Freddie or Fannie loans.  If your not sure what type of loan you have or who owns your loan there are several ways to find out; first if you would like, you can always contact me Andrew Hahn president of  Capital Advantage LLC. mortgage lending and I’ll be glad to help you and that applies to any questions you may have regarding any mortgage issue.  Located and licensed in the State of Colorado; specializing in loan origination in Colorado and the Denver Metro area.  If you would rather work on this yourself the easiest way to find out is to call your loan servicer or the company you send your payment to.  You can also go to Fannie Mae’s website CLICK HERE or Freddie Mac’s website CLICK HERE and input your information to check online.   I have found that online you need to get the information exactly as it is on your payment coupon or it might not be accurate, that’s why I would suggest calling your servicer.  Now the HARP Program well allow a refinance up to 105% of the current value of your home.  Now here is one of the really good benefits of this program, if your first mortgage at the time you obtained it was at 80% or below you were not required to pay MI (mortgage insurance) so with the new loan even at the higher loan to values your are NOT required to get mortgage insurance THIS IS BIG and for those who do have MI you only pay at the current rate that you pay now.  Mortgage Insurance premiums are/were based on loan to value; so if your loan was 85%  Loan to Value your premium was charged at a lower rate and the premiums adjust in 5% increments, but with that said if you pay MI now, then your used to it in your payment and your saving based on an interest rate reduction would still be a savings because the MI part of the payment would not go up.  For those people that obtained a first and a second mortgage you can still qualify for this program; the first mortgage can go to a Loan to Value of 105% so were good there now what we need to do is contact the company that has the second mortgage and ask them to subordinate to the new first mortgage (to allow the new first mortgage) what we need to do is call the second mortgage and ask  if they well allow this.  In the beginning second mortgage companies were not to keen on this idea but as time has gone on they are becoming more receptive to allowing the new first as it saves you money making your payment more affordable.  As it goes the second mortgage company usually charges a fee to subordinate they’re loan; I know USAA does not charge and some companies charge up to $350.00 up front. Again that’s why we need to call to find out if they allow the subordination and what are there terms and another factor what is there time frame.  Some lenders can do it in a couple of weeks where some are taking up to 6 to 8 weeks. It’s a bit of a workout but if you can reduce your interest rate to today’s low rate it is well worth the effort.  Now the amount of savings is a bit more complicated than just saying if you can lower your rate by 1% it’s worth doing.  On lower loan amounts say $100,000 or less you might need to reduce your rate by more than 1% in order to have a refinance make sense on the other hand for loan amounts over $250,000 maybe a .5% rate change well be worth it.  I would just say that it costs you nothing to give me a call and have me put together a mortgage analysis to determine what options you have and to be able to know  what makes the best sense for your situation.

Andrew Hahn is the President of Capital Advantage LLC. a residential Mortgage lending company located in Commerce City Colorado. Andrew Hahn has over 18 years experience in residential lending. I  have lived and work in Commerce City for over 6 years. My business’s website has many helpful pages set up to add a convenience to the Commerce City residence such as LOCAL RESOURCE PAGE just click on the highlighted name and it well take to the page. Andrew has also established a Mortgage blog to help answer questions and to help explain changes to the mortgage process, if you click on the highlighted link it well take you to the mortgage blog Denvermortgagelending.com and if you have any question that you would like to ask please go to the comment section and leave your question and Andrew Hahn well get back with you. For those who live in Commerce City give Andrew Hahn a call.

Since footballs over for season I’ve been watching our other pro teams and I must say the Nuggets are turning me into a basket ball fan. They’re down right fun to watch. They have been winning without Carmellow and looking good. J.R Smith had a bit of a drought but seems to be working his way out of it. The whole team is stepping up to the plate. With their win over the Spurs today they have now won 9 of their last 10 games WAY TO GO. In the Western Conference; Northwest division we are in 1st place by 3 games, keep this up and post season here we come. I’m looking forward to meeting the Lakers again but i feel this time it well end up differently. Keep up the good work we look forward to see’in ya in the post season.

The Avalanche are doin us proud as well They are second in their division; not bad considering they were all but written off at the beginning of the season.

In the mortgage world this could prove to be an interesting week and active week. we need to see if equities are going to continue their slide. Interest rates should prove to be pretty volatile especially around mid week when we get the API jobless claim and leading up to Friday when we get the unemployment report. for more market information  please visit my mortgage Blog at denvermortgagelending.com and if you would like to get an interest rate quote CLICK HERE.

Have a great week  Andrew Hahn

Denver Refinancing and refinancing in the  state Colorado for those who have Investment properties let my professional Experience Andrew Hahn help you take advantage of the HARP program. For those of you who own investment properties Located in Colorado there is a Mortgage loan Program that you can take advantage of that allows you to refinance and take advantage of today’s low rates. In order to qualify for this program you need to find out if you have a loan owned by Fannie Mae or Freddie Mac as these programs are for those who originally obtained a conforming loan from one of these GSE’s. This is an extension of the Making Home Affordable Refinance Program HARP. This program is just like the HARP programs created for primary residence. Click here to view this blog It allows you to refinance your first mortgage up to 105% and in some cases up to as much as 125% . Please go to my business page to apply CapitalAdvantageMortgage.com This program could be the difference of profitability and can lock in long term financing at today’s low rates. Contact Andrew Hahn to get all the details. I would suggest not waiting as this is a Government Program and can change at a whim. We’ve been watching them at work of lately and the good programs seem to go away before most get to take advantage of them. If you’re located in the Denver Metro area Give me a call and we can talk about what mortgage programs are avaliable for you to take part in today’s low rates.

Have a great day and don’t hesitate to contact me with any questions you may have.
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Well Broncos are done so time to move on. Nuggets are still doing good as well as the Avalanch that all very good. The playoffs are underway, i really don’t have a huge amont of interest so I though I would share some pictures from some Fireworks show I help with.  I have worked with Zambelli fireworks for going on 6 years now helping set up fireworks displays. Most of what I do is help set up racks and load shells, just alot of busy work. But i do have to say it’s alot of fun to be apart of putting on great firework displays for all to see. The best part well one of the best parts is hearing people talk about the shows we put on. I have largely worked on setting up the displays for the Colorado Rockies at Coors Field 4 or 5 times a year, couple of days over the 4th, fan appreciation day; working the year they went to the World Series was a lot of fun, of coarse it would have been better if they won but still a lot of fun anyway. the picture above was from this past year setting up close proximity product at Invesco Stadium. Here I am wiring up more close proximity product around the upper bowl of the stadium. This show is all shot by computer and takes several days to set up with mostly a crew of 5 and I say mostly because there is a group of us that work at several locations. We all work on both Invesco Stadium and Coors Field.

This year i need to work on getting some better shots. Well hope you all have a great week end and your teams wins, and if you have any questions about the fireworks i’d be glad to answer them.

Andrew Hahn

The Fireworks are a bit more fun than the day job but if you ever need any help with any Real Estate Finance let me know I’d be glad to help. Capitaladvantagemortgage.com

Just wanted to give the heads up here about mortgage rates, they are on the rise if you are thinking about refinancing now would be the time to consider getting an interest rate quote and a free mortgage evaluation to see if it makes sense for you to refinance. Click this link to get a free rate quote Capitaladvantagemortgage.com . I’ve been in the mortgage industry for over 18 years and now there is more industry sweeping changes coming down the road making it more difficult for people to refinance. I’m located in Commerce City Colorado but being licensed in the state of Colorado I help people throughout our entire state. If your not here in Colorado and have a question or a comment please ask away and feel free to contact me regardless of your location, i would be glad to help. I specialize in the refinancing of property in Denver and the front range but I am always glad to hop in the car and take a road trip to visit and explain the mortgage process anywhere in the state of Colorado.  If your looking to take advantage of the tax credit layed out by the government I can help with obtaining financing whether you are a first time home buyer or looking to pick an investment property I am here to help. I pride myself on superior customer service and providing the best interest rates the market has to offer. Andrew Hahn President of Capital Advantage LLC. a residential mortgage lending company. I have recently joined forces with a long time friend who has been involved in  Commercial Mortgage Finance for over 26 years  to now offer Commercial Real Estate Finance as well. For more details please visit my mortgage Blog at Denvermotgagelending.com. From Andrew Hahn to all out there, I hope the New Year is starting off well for you and we are all work for a more prosperous 2010, and remember if you have any questions please leave me a comment or visit my business website if you would like to start the mortgage process and fill out my secure online application CLICK HERE.

This is a brief post and my link to my Mortgage Blog post about converting from an Adjustable Rate Mortgage to a Fixed Rate Mortgage and why now is the time  to consider that refinance DenverMortgageLending.com . If you have a ARM mortgage and have been wanting to make the move to a fixed rate loan NOW IS THE TIME. Please visit my blog that well give you valuable information and incite regarding current interest rates and timing regarding that refinance. I’m Andrew Hahn and have been in the mortgage industry for over 18 years let my experience help you make the best informed decision regarding your real estate financing needs. You can Also visit my business website where you can fill out a loan application Its a secured website so your information is protected. CapitalAdvantageMortgage.com Now is the time to act interest rates are on the rise and with the coming of the bond bubble we might not see rates this low for some time to come.

Saved from post season embarrassment, probably we just had to go through the end of the season embarrassment. The Broncos had the average season that was originally expected just not in the fashion we had suspected. They might have done us all a favor if they would have lost a couple in the beginning and won a couple more in the end. I don’t know why no matter who the coach or who the players the broncos always have a way to make the good teams look bad and the bad teams look good, maybe it’s the altitude. All we know for sure is the seasons over for the Broncos. We can look forward to the NFL draft, should be pretty interesting this year what happens in the off season. Who is going to stay and who is going to go. I was pretty surprised Orton played as well as he did (to start) sort a fell week at the end, but i guess he got us through but was as average as team turned out to be. I think its pretty apparent we need a quarter back. Still glad we got rid of the whiner (his year turned out as he deserved). We still have the Avalanche who are playing pretty darn good and the Nuggets too. We all still can look forward to a grand New Year. Andrew Hahn

The picture you see in my header is from a fishing trip to Canada that I am able to go on from time to time with a group of good friends. We fly out of Port Hardy up Rivers Inlet to a floating Lodge. Bucks Trophy Lodge it’s a great place, I have provided a link to their website, you should check it out and if you ever have the chance I would highly recommend this Lodge to all. Because Bucks is a floating Lodge say up in the back country when we leave Port Hardy you fly out in a sea otter as seen in the picture. The Lodge holds around 20 people so there are 2 of the sea otters and one 4 person Beaver that takes about a 45 min flight to get to the lodge. We always bring home a bunch of salmon and if you mouse over the pictures on the right side of the header you well see me with my big catch, a 145 pound halibut. That was fun and good. took me about 30-40 minutes to get him to the surface; had to play him for about another 40 or so minutes until the support boat could get there to help get him in; the boats we go out in are only 16 footers. Well if you have a chance visit their website and remember a bad day of fishing is better than a good at work. (sometimes a good day at work can be pretty rewarding as well)

Andrew Hahn

I have to say the Colts and the Saints look like the real deal. The Broncos came out in their mid season form and got behind and couldn’t recover. O’ well i guess we can still say they are doing better then expected; new coach team turmoil lost out franchise quarterback (thank goodness, nothing but a whining baby) Good luck Chicago. We should still finish the season in OK shape and still might make the playoffs. So after all is said and done they haven’t been the the team that most had written off at the beginning of the season. Colorado’s pro sports teams are all doing pretty good. The Av’s and the Nuggets are doing pretty darn darn this year.

To all have a Merry Christmas and I’m looking forward to a New Year.