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Today in Labor History

Apr. 25, 1886
The New York Times declares the struggle for an 8-hour workday to be “un-American” and calls public demonstrations for the shorter hours “labor disturbances brought about by foreigners.” Other publications declare that an eight-hour workday would bring about “loafing and gambling, rioting, debauchery and drunkenness.”
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Affordable Home Refinancing Offered by First Choice
Posted On: Jan 03, 2012

The union mortgage company, First Choice Lending of New Jersey, has announced they will be participating in the Home Affordable Refinance Program (HARP).

First Choice knows that there are many homeowners who are eligible to refinance under HARP and those are the borrowers we want to reach.

The program has been updated allowing more homeowner’s to take advantage of the program. The New HARP Mortgage Program Guidelines, beginning December 1, 2011 have several benefits for home owners:

The program has been extended until December 31, 2013.

The maximum Loan to Value (LTV) cap has been removed on homeowners looking to refinance in to a fixed rate mortgage.

However, for homeowners looking to refinance in to an adjustable rate mortgage the maximum LTV is set at 105%.

The appraisal process has been streamlined; in cases where an automated value can be determined an appraisal would not be required.

Building on the industry’s experience with HARP over the last two years, First Choice has identified several changes that will make the program accessible to more borrowers with mortgages owned or guaranteed by the Enterprises. Our goal in pursuing these changes is to create refinancing opportunities for these borrowers, while reducing risk for Fannie Mae and Freddie Mac and bringing a measure of stability to housing markets.

First Choice Lending is recommending homeowners to call in and see if there loan is owned by Fannie Mae or Freddie Mac, to determine there eligibility. ??

Please call 215-750-6190 today to see how we can assist your members with the Union Mortgage program.






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Updated: Apr. 25 (22:05)

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