Andrew-Hahn.com » Andrew Hahn

What happened to our Av’s; Nuggets Rolling

Andrew — Thu, 11 Mar 2010 22:42:06 +0000

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.

HARP Program Refinance up to 105% LTV

Andrew — Thu, 04 Feb 2010 17:38:53 +0000

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.

Denver Refinance of Investment Properties

Andrew — Thu, 21 Jan 2010 19:16:46 +0000

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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Heads up from the Mortgage world

Andrew — Mon, 11 Jan 2010 02:33:13 +0000

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.

Saved from post season embarrassment

Andrew — Mon, 04 Jan 2010 20:42:52 +0000

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

Bucks Trophy Lodge

Andrew — Thu, 17 Dec 2009 21:08:37 +0000

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

Well no upset

Andrew — Thu, 17 Dec 2009 19:42:59 +0000

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.

Home Affordable Refinance Program

Andrew — Fri, 11 Dec 2009 17:53:54 +0000

I’m Andrew Hahn the President of Capital Advantage Mortgage; I specialize in Refinancing in Colorado as well as Denver Refinancing and the entire Front Range. Visit the Refinance adviser page of my business website

The Home Affordable Refinance Program (HARP) is designed to assist homeowners in refinancing their mortgages – even if they owe more than the home’s current value. This is a great program for those looking to refinance in Colorado, Denver and the front range, providing very low rates.
The primary expectation for Home Affordable Refinance is that refinancing will put responsible borrowers in a better position by reducing their monthly principal and interest payments or moving them from a more risky loan structure (such as interest-only or short-term ARM) to a more stable product (such as a fixed-rate mortgage). This program allows you to qualify for the lower rates and does not punish you for credit score as do other loan programs. One of the many benefits of this loan program is that if you do not currently have mortgage insurance you well not need to get mortgage insurance if you go over 80% LTV. DON’T Miss out on today’s low rates and don’t wait as rates are starting to go up. If you are considering a refinance now is the Time. In order to qualify for this loan it must be a Fannie Mae or Freddie Mac loan. Call me or email me and I’ll help you find out if you qualify for this program. When considering a refinance in Denver or anywhere in Colorado for a free mortgage analysis contact me Andrew Hahn for personalized and professional service. I’ll be able to go over all your options to obtaining the best mortgage program with the most competitive rates the market has to offer. Please CLICK HERE to fill out a secure online application or if you would prefer call me and we can discuss your loan Andrew Hahn 303-331-8040

Andrew Hahn has over 18 years in the mortgage industry specializing in Mortgage Refinance in Denver and the State of Colorado. I am Licensed, Bonded and Insured in the State of Colorado. Although my primary Business in Colorado the information I provide can help all: My office is in Commerce City Colorado I’m a small independent mortgage broker, I specialize in refinancing in Colorado, this allows me to focus on the rules and guidelines that are specific to our State of Colorado.

Is it going to be an upset?

Andrew — Fri, 11 Dec 2009 17:38:23 +0000

Can we (The broncos) do to Indianapolis Colts what Cleveland did to Pittsburgh? Sure why not, well Pittsburgh is fallen apart right after we made’um good. I don’t think I would bet on this one, we have beat them before and it just feels like it could be time again; as long as we play like a team having fun. we can do it. Good Luck Broncos time to shine

Where did the Broncos Go?

Andrew — Wed, 18 Nov 2009 16:14:41 +0000

Well one thing about the broncos that hasn’t changed yet, and that they have always had the ability to make the good teams look bad and the bad teams look good and that was proven again this past week end. We should have beat Washington handily, regained some confidence and got back on track. But nooooooo we were beat and out played. Never thought I would worry about Orton going out he has in the past been streaky as it was in Chicago. But Chris Simms call your dad get some help, your paid to be ready to play; you nothing less than horribleand or is it the game plan to throw the 2 and 3 yard pass (although I thought our two down the field passes worked out quite nicely) as it is the San Diego game has me worried do we continue the downward spiral; San Diegos hot and we’re not. This game well show the true character of this team. Lets hope we pull it out look good and win, not barely, not by luck, but go in and play and look like the better team. Then the giants should be another game not easy but we should look like the better team. O’well better stick to one game at a time.

Go Broncos lets see what you’re made of.

By the way mortgage rates are looking pretty good. to get a qoute CLICK HERE