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Jim Ditch
Certified Mortgage Planner
NMLS ID# 439978
Home Savings
4625 N River Rd
Warren, Ohio 44484
Office Phone: (330) 856-1940
Cell Phone: (330) 720-2332
Fax: (330) 856-6761
jditch@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.
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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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* 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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 Mortgage News Daily
MBS RECAP: 2/1/2012 - 1 hour ago
Posted To: MBS CommentaryMBS Live : MBS RECAP Open MBS Live Dashboard FNMA 3.5 103-30 : +0-02 FNMA 4.0 105-23 : +0-01 FNMA 4.5 106-29 : +0-02 FNMA 5.0 108-01 : +0-02 GNMA 3.5 105-08 : +0-01 GNMA 4.0 107-27 : +0-01 GNMA 4.5 109-06 : +0-00 GNMA 5.0 110-28 : +0-03 FHLMC 3.5 103-23 : +0-01 FHLMC 4.0 105-12 : -0-02 FHLMC 4.5 106-12 : +0-01 FHLMC 5.0 107-19 : +0-01 Pricing as of 4:04 PM EST Afternoon Market Updates A recap of MBS Market Updates provided by MND Analysts and streamed live to the MBS Live Dashboard . 1:29PM : ALERT: Positive Reprices Not Out of The Question. MBS Test New Highs Although it doesn't look like Fannie 3.5's will add more than a tick or two onto the all time high levels that have provided such a firm ceiling for the past 3 sessions, new highs are new highs. And of course, these are all-time...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
White House Details Housing Plans - 1 hour ago
Posted To: MND NewsWireSaying that the housing crisis struck right at the heart of what it means to be middle class, President Barack Obama has begun to flesh out the housing-related proposals he made in his State of the Union speech last Tuesday. He spoke this morning at Falls Church, Virginia about his housing plans, some pieces of which have already been put into effect by the Departments of Justice (DOJ), Treasury, and Housing and Urban Development (HUD) in the eight days since they were first announced. The President spoke only briefly and most of the information about his proposals comes from a Fact Sheet released by the White House just before his speech. The most ambitious part of the Administration's housing plan is the expansion of several existing programs to streamline refinancing for homeowners with...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Solemn Remembrance of Those Lost Aboard Shuttle Columbia - 1 hour ago
Posted To: Voice of HousingLike countless persons across the world, I watched in quiet disbelief as thousands of pieces of debris streaked across the vast Texas sky the morning of February 1, 2003. Unlike what had transpired in 1986 during the launch of the shuttle Challenger, this time the shuttle Columbia was re-entering earth’s atmosphere. Traveling at Mach 19 at an altitude of 200,000 feet, the shuttle was only a dozen or so minutes from touching down at the Kennedy Space Center – where family and support personnel waited. Sadly, that landing never happened. What also made this morning different for me was that I had taken over the White House Office of Cabinet Affairs only 10 days earlier. The Office served as a policy-coordinating body across the White House policy councils, in addition to its primary...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
The State of the Mortgage Industry According to MBA - 1 hour ago
Posted To: MND NewsWireThe Mortgage Bankers Association ( MBA ) provided its annual assessment of The State of the Mortgage Industry in a press conference Wednesday afternoon. Michael Young, MBA Chairman said that the states that have been hardest hit by the housing crisis are and will continue to deal with the aftermath but there are signs that in much of the nation 2012 will bring a recovering market. One bright spot , Young said, is that the turmoil in the single family market has actually helped the multi-family sector; the rental market has tightened and more lenders have moved into the sector, especially life insurance companies. In the residential market, he said, the one topic that is discussed everywhere is the lack of financing and what can be done about it. David H. Stevens, MBA President and CEO said...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Oregon Joins Servicer Settlement - 3 hours ago
Posted To: MND NewsWireThe Attorney General of Oregon announced today that he will join in the so-called 50-state Attorneys General settlement with five major financial institutions that operate the large servicing organizations. The settlement arose out of a multi-state investigation of alleged improprieties the servicers' management of delinquent loans and foreclosures. Attorney General John Kroger said in a prepared statement that "The Oregon Department of Justice is deeply committed to protecting consumers. In assessing any potential consumer protection settlement I compare the benefits of the settlement with potential benefits that might accrue in the future if we chose to litigate rather than settle. I have made that assessment in this case, and I am confident that signing this agreement is in the best interest...(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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Certified Mortgage Planner
Home Savings
4625 N River Road
Warren, OH 44484
Office Phone: (330) 856-1940 Fax: (330) 856-6761 Cell Phone: (330) 720-2332
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