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Alan Brucato
Mortgage Loan Originator
Home Savings
3690 Orange Place Suite 210
Beachwood, OH 44122
Office Phone: (216) 765-4326
Fax: (216) 765-4380
Toll Free Phone: (866) 466-3001
abrucato@homesavings.com
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Committed to your needs
Customers first
Borrowers who are happy with the mortgage loan we helped them get are more important to us than anything else. Our goal at Home Savings is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage, our purpose is to satisfy your needs. By putting you first, we assure you a pleasurable transaction.
Get fast answers
At our website you can find tools available to answer virtually any mortgage question. Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator. Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator! Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you. Also, we will be happy to prepare a personalized mortgage quote for the home mortgage program of your choice.
* The Mortgage News Daily section shown below contains links to a third-party web site. Home Savings does not provide and is not responsible for the products, services or overall web site content available on the linked third-party site. Our privacy policy and security practices also do not apply to the linked site. You should consult the privacy disclosures on the site for further information.
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We offer you the competitive rates and service you deserve. Whether you're a first time home buyer or are refinancing - we will find you the best rate and program for your situation. Apply online today for a no-cost, no-obligation pre-qualification!
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 Mortgage News Daily
Mortgage Rates End Losing Streak But Treasury Auctions Loom - 14 hours ago
Posted To: Mortgage Rate WatchThe week ahead is very light in terms of economic data, that implies we should expect the stock market to continue to provide mortgage rates with directional guidance. If stocks rally, look for mortgage rates to move higher. If stocks fall, look for mortgage rates to improve. The only economic reports on the schedule in the week ahead that have the potential to move mortgage rates will be released on Wednesday and Thursday. Tomorrow the Federal Reserve releases the Beige Book, named for the color of its cover. The Beige Book is a compilation of anecdotal information and data on current economic conditions across the country. The findings are not the views of Federal Reserve officials, instead, each Federal Reserve bank interviews key business contacts, economists, market experts, and other...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Housing Crisis Needs Localized Approach, Not "One Size Fits All" Solution - 16 hours ago
Posted To: MND NewsWireEric Rosengren, president of the Federal Reserve Bank of Boston, told attendees at a Federal Reserve sponsored conference on REO and Vacant Property Strategies for Neighborhood Stabilization last Thursday that there may not be a single solution for the housing market as the effects of financial crisis depend on the characteristics of each individual community. Framing the problem affects the solutions you propose, he said. If we assume we are trying solve a problem of foreclosures and REO rooted in the housing bubble, the solutions will tend to emphasize mitigating foreclosures, accelerating the disposition of REO, or advocating for reconsideration of the legal systems approach to personal bankruptcy and foreclosure. If the problem is viewed as being primarily about housing demand, then the...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Rates Retrace Late Week Losses. Lost Rebate Restored - 19 hours ago
Posted To: MBS CommentaryGood Morning. I hope everyone had a safe and sound Labor Day weekend. I for one feel re-energized following a three day stay in State College, PA (PSU). The weather was perfect, we blew out Youngstown State, and I escaped the bike trails unscathed. Mission accomplished! Welcome back to reality... The bond market ended last week in a panic after a better than expected Employment Situation Report added enthusiasm to a two-day S&P rally. With the econ calendar essentially empty and Treasury (and Corporate) debt supply on the chopping block in the week ahead, the stage was set for stocks to extend optimism and push rates higher . That isn't happening today... Instead, short covering combined with a modest "flight to safety" bid in a thinly traded marketplace has helped the long end of the yield...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Zero-Down Payment Programs; New FHA Mortgagee Letter; Does the Value of Servicing Warrant Retaining It? - 19 hours ago
Posted To: Pipeline PressMuch of life is a balancing act. For example, I eat my Captain Crunch with only low-fat milk because I wouldn't want unnecessary calories. Underwriting is also a balancing act, matching the risk of the borrower being able to make payments with the desire for the lender to earn a rate of return on the loan commensurate with the risk. In mortgage lending, there is some feeling that the "pendulum" has swung too far to one side here in the last year or two, leaving some borrowers (self-employed and jumbo, to name a quick two) in the lurch. But there are old, and new programs, out there that go back to the "old days". READ MORE But zero down payments - again? A new program from Fannie Mae called Affordable Advantage is available to first-time home buyers in Idaho, Massachusetts, Minnesota and Wisconsin...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
The Week Ahead: Beige Book, Treasury Auctions, Trade Balance - 22 hours ago
Posted To: MBS CommentarySeptember began on a strong note last week as the Dow jumped almost 3%, or 297 points. Whether the strength continues this week could depend on the Federal Reserve’s assessment of the economy (Wednesday) and trade balance figures (Thursday), but there isn't much data on tap so technical factors may motivate the market . So far, it appears investors aren’t so optimistic. Stock futures are falling and interest rates are rallying. One hour before the opening bell, S&P 500 futures are down 7.50 points to 1,096.00 and Dow futures are 60 points lower at 10,376. The 2-year Treasury note is +0-02 at 99-25 yielding 0.49% and the 10-year Treasury note is +0-20 at 99-27 yielding 2.643%. The October delivery FNCL 4.0 is +0-08 at 102-22. Key Events in the Week Ahead: Tuesday: No economic...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it. |
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Home Savings
3690 Orange Pl, Suite 210
Beachwood, OH 44122
Office Phone: (216) 765-4326 Fax: (216) 765-4380
Toll Free Phone: (866) 466-3001
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