Mortgage Market Guide Weekly: Labor Day Holiday, Plus Beware of this Moving Scam

 In Featured, MMG Weekly

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Mortgage Market Guide Weekly: Labor Day Holiday, Plus Beware of this Moving Scam

 

Labor Day Holiday  

The MORTGAGE MARKET GUIDE WEEKLY is the industry’s leading publication of this type, and I’m pleased to provide this valuable resource to you.

The Mortgage Market Guide View…  
5 Things You Must Know About Moving
Make sure you entrust your stuff to the good guys.
By Susannah Snider, Kiplinger.com

1. You want a bill, not a ransom note. The Better Business Bureau says it received more than 9,300 complaints about movers in the U.S. in 2013. Common among them: a bait-and-switch scheme in which a mover quotes a price and then holds your possessions hostage unless you pay an unexpected fee, says Katherine Hutt, a spokeswoman for the BBB.

2. Get it in writing. Start by asking for estimates from at least three movers, and be skeptical if one company quotes a much lower rate than the others. Movers should offer to visit your home to assess the job. The cost estimate for an in-state move is usually based on the number of hours it will take. For interstate moves, the cost is likely to be calculated based on weight and distance. “When you contact movers, you want them to seem attentive and fastidious,” says Matt Wixon, president of Bookstore Movers, in Arlington, Va. A mover that doesn’t seem interested in the details could be careless with your stuff, says Wixon. Be wary if the mover requires a large deposit or accepts only cash, which leaves no record of the transaction.

3. Check out the mover’s rep. Don’t rely solely on word of mouth. Go to the BBB’s Web site to see whether there are complaints against the company and whether they’ve been resolved. Interstate movers should be licensed by the Federal Motor Carrier Safety Administration (FMCSA). To search for movers registered with the Department of Transportation, go to www.protectyourmove.gov. Or use the ProMovers search page to get quotes from companies that have passed the American Moving and Storage Association’s background checks and licensing and insurance requirements.

4. Make sure you’re covered. Call your homeowners or renters insurance provider to see whether your policy covers your belongings while they’re in transit. You’ll likely find that your plan covers the same perils during the move as it does at home, says Jeanne Salvatore, a spokeswoman for the Insurance Information Institute. If your moving truck bursts into flames, your policy may reimburse you, but it won’t cover your belongings if they are broken or damaged by the mover. Interstate movers must offer two kinds of supplementary liability insurance. Released value coverage, at no extra cost, insures your belongings at a rate of 60 cents per pound. So if a mover shatters your 30-pound flat-screen TV, you’ll be compensated a measly $18. Or you can buy full value insurance, which will cover repairs or replacement of damaged goods. Rates typically start at about $200 for $100,000 worth of coverage, says Linda Darr, of the American Moving and Storage Association. If you discover while unpacking that something’s broken or scratched, you have nine months to file a claim. The FMCSA requires interstate movers to offer arbitration to help settle disputes.

5. Who you gonna call? If the mover is holding your items hostage, call the FMCSA at 888-368-7238. For all other complaints, contact the National Consumer Complaint Database of the FMCSA. If you have a problem with a local or in-state move, go to www.protectyourmove.gov to find local consumer protection offices.

Reprinted with permission. All Contents ©2014
The Kiplinger Washington Editors. Kiplinger.com.

Economic Calendar for the Week of September 1 – September 5

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Questions, Comments or For more information you can email Christian Penner at TheMortgageTeam@ChristianPenner.com or visit us online at www.ChristianPenner.com or you can call us directly at: 561-316-6800


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blackwhite#ChristianPenner, #MortgageBrokerWestPalmBeach talks about #RealEstateWestPalmBeach. He also serves other Local Areas and provides home #MortgageSolutionsforPalmBeachGardens, #Jupiter, #BocaRaton, #Wellington and #Tequesta. #ChristianPennerMortgageBrokerJupiter has the #lowestmortgagerates and the best #homemortgage programs like; #Jumboloans, #FHAHomeLoans, #VAHomeLoans, #ReverseMortgageHomeLoans, #FreddieMacHomeLoans, #FannieMaeHomeLoans and #HARPMortgageLoans. #ChristianPennerMortgageBrokerPalmBeachGardens has Served the area for over 15 years with his #HomeLoanLending Needs and Works with #FEMBIMortgageinJupiter.

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Christian Penner

South Flagler Drive, Suite 800, West Tower
West Palm Beach,
FL 33401

Phone: +1 (561) 316-6800

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Mortgage Market Guide Weekly: Labor Day Holiday, Plus Beware of this Moving Scam

 

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Your Local Branch Manager & Mortgage Lender That Also Has The Resources To Be A Mortgage Broker

About Me, My Family, The Mortgage Team & You

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Branch Manager | Mortgage Lender

Christian Penner Your Local Branch Manager and Mortgage Lender That Specializes In All Types Of Home Mortgage Loans: VA – FHA – USDA – Fannie/Freddie – Jumbo – Self Employed – Private Loans – Fix & Flip Loans & Reverse Mortgages

I am currently a Branch Manager with The Christian Penner Mortgage Team, A Division of Hamilton Group Funding, Inc. I have been in the Real Estate Lending Business since 1997. I Graduated from the University of Florida, in 1996, with a BS Degree in Business Administration with a Double Major in Business Finance and Real Estate. I have also graduated from the Todd Duncan Mortgage Productivity School and I am a Licensed Florida Mortgage Loan Originator: NMLS#368289.

About Me

I have lived in North Palm Beach County Since 1976, after moving from Cleveland Ohio. I started working for a Norwest Financial, a Sales Finance Company right out of college providing personal consumer loans, Sales Financial Loans, and Mortgage Loans. I Maintained being a Top 10% Producer throughout my career with the company. I then transferred to Norwest Mortgage which later became Wells Fargo Home Mortgage. Do to my success with Wells Fargo Home Mortgage, I opened and Managed a Wells Fargo Branch office, in Jupiter FL until 2004. Since then I have been a Producing Branch Manager for a few different companies and Banks and I am now the the Manager of The Christian Penner Mortgage Team, a Division of Hamilton Group Funding.

About My Family

More important than my profession is my family. I originally met my wife when I was in the 6th grade, at a Church Youth Group, but we did not actually start a relationship until after we both graduated from College. We have been married since 2003 and we have two amazing children. My son is named after me and my daughter’s name is Brooke and they are a little over a year apart. I really enjoy spending time with them and my wife when I am not working. We all enjoy boating, Golf, going on vacations and enjoying time together at our house in the pool. I also try to stay involved when they are playing soccer, flag football, baseball and martial arts.

Our Goals For You
Our goal for you is to help you to minimize your tax liability and maximize your cash flow. In today's market a mortgage loan is more than ever a financial instrument that must be tied into your long and short term personal financial plan. This will allow you to create a debt strategy that will help you to build long term wealth for you and your family.

The Mortgage Team
We are privileged and Fortunate to have a very experienced Mortgage Team of Professionals that share the same vision. Our intention is to impress upon you the importance of making your mortgage a pivotal component to your overall financial planning strategy. Our goal is to custom fit you with the best overall financing package by, integrating the financing you select with your long and short-term financial and investment goals, which are coupled with your payment and equity objectives.

Throughout the process of your transaction you will be dealing with our entire team at various stages during the loan process. You quest for a new home loan begins with my Intake Team. They will be responsible for working closely from start to finish, answering questions and gathering all the necessary documents for Processing.

Our Processing Team are responsible for the Underwriting Stage, Loan Approval Stage, Cleared to Close Stage and the Closed Stage.

Our Team will stay in touch with you throughout the process, before, during and after your closing. As your Personal Loan Consultant, I will oversee every stage of the process. It is our goal to make the mortgage Loan Process the best part of your home buying experience you will ever have.

We want more then to just earn your business; we want to make you part of our family. Rest assured that with our "Client For Life" commitment, You will always be our #1 priority. We surely hope that you will refer us to all your friends, Family and co-workers!

For Business Partners
Christian works with several referral partners including Realtors, Real Estate Attorney’s, CPA’s, Financial Advisors, Insurance Professionals, Developers and Builders. He is a visionary and his goal is to facilitate and empower you to reach your Marketing & Business goals! I have incorporated multiple cutting edge sales strategies, for his Referral Partners, that include that include lead generation systems using Social Media Technology through Live Streaming using Facebook Live, FaceBook Messenger Bots, Facebook Ads, CRM's, Facebook Business Pages, Google + For Business, Google Adwords, , WordPress, Video Marketing, Webinars, Single Property Websites, Craig's List, Squeeze Pages, Blogging, Text to Voice Technology, QR Codes and Post Closing Marketing Campaigns with co-branding.

Testimonials & Reviews

What my clients say about my service

  • Christian and his team not only helped us purchase our beautiful home but a year later helped us refinance and save hundreds of dollars a month with no out-of-pocket costs for us! To Christian, Mary and the rest of the team: THANK YOU!!!!!

    Bret G
    Bret G Palm Beach, FL
  • Knowledgeable and helpful. Christian's team got the job done and we closed on a great home and got a good rate.

    Jeffrey H.
    Jeffrey H. Vienna, Austria
  • Christian Penner is the best mortgage lender I have ever worked with. He really helped me out and he was able to get my mortgage closed on time! So If you are looking for a great mortgage team then you need to call Christian Penner!

    Joshua B.
    Joshua B. Palm Beach, FL
Average Rating:
5.0
Full Star Full Star Full Star Full Star Full Star
Total Number of Reviews:
1
  • Full Star Full Star Full Star Full Star Full Star
    December 14, 2018
    Andrea, P
    The Christian Penner Mortgage is the best mortgage team, I have ever worked with! They have solutions for type of situation.
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