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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: Well Into All-Time Highs After Weak NFP - 1 day ago
Posted To: MBS CommentaryMBS Live : MBS Afternoon Market Summary Today was the day we'd reserved for paying attention to domestic economic data in lieu of all the Euro-drama of late. Most any market participant would have told you last night that a weak NFP today would result in lower rates, but reaction outdid many expectations. We don't see this so much as a factor of today's NFP numbers being such a profoundly negative implication on economic fundamentals as much as we just think it means that QE3 or "something like that" is much more likely. We also think that's what markets think too, and it would stand to reason, then, that MBS performed much better today vs recent Euro-driven flights-to-safety considering the source of today's rally is also a sort of hint that uncle Ben might send MBS a graduation check. Greek...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Mortgage Rates Hit NEW All-Time Lows Following Jobs Report - 1 day ago
Posted To: Mortgage Rate WatchMortgage Rates fell decidedly to new all-time lows today after a much weaker-than-expected Employment Situation Report. Because of today's movement, Best-Execution rates for 30yr Fixed Conventional loans have fallen to 3.625% from the 3.75% level they only recently attained. Until recently 3.875% was the long-standing floor for Best-Execution rates with only a few brief glimpses of 3.75% (Read More: What is A Best-Execution Mortgage Rate? ) As we noted yesterday (Get Caught Up With: Yesterday's Post ), bond markets stood a good chance to take a break from paying quite so much attention to the situation in Europe and instead focus on the all-important Employment Situation Report (aka "NFP" or simply, "The Jobs Report"). This turned out to be exactly the case as a lackluster read on the economy...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
HARP 2.0 Activity Surges on Interest Rates, Program Enhancements - 1 day ago
Posted To: MND NewsWireThe new version of HARP , the Home Affordable Refinance Program, appears to be gaining in popularity judging by the quarterly figures rolled out today by the Federal Housing Finance Agency. According to its March 2012 Refinance Report more than 180,000 homeowners refinanced through HARP 2.0 in the first quarter of 2011 compared to about 93,000 in the fourth quarter of 2011. HARP 2.0 is only available to homeowners who have mortgages that are owned or guaranteed by Fannie Mae or Freddie Mac. The Refinance Report covers all refinancing activity by Fannie Mae and Freddie Mac. Overall refinancing volume surged during the first quarter as interest rates continued to drop, week after week, to new historic lows. The two companies refinanced a total of 1,178,419 mortgages in the first quarter compared...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
Public Spending Drags at Construction Numbers - 1 day ago
Posted To: MND NewsWireDespite a slowdown in the public sector, construction spending managed to eke out an increase of 0.3 percent in April. According to data released this morning by the U.S. Census Bureau, total construction spending was at a seasonally adjusted annual rate of $820.7 billion compared to the revised March estimate of $818.1 billion. The March estimate was revised upward by $10 billion from the original estimate. The April figure is 6.8 percent higher than an estimated rate of $768.2 billion in April 2011. Private construction spending was at a seasonally adjusted annual rate of $549.7 billion, up 1.2 percent from the upwardly revised (from $531.9 billion) March estimate of $543.4 billion and 12.5 percent higher than a year earlier. Public sector spending was $271.0 billion, 1.4 percent below the...(read more)Forward this article via email: Send a copy of this story to someone you know that may want to read it.
SunTrust Settles Loan Discrimination Suit - 1 day ago
Posted To: MND NewsWireVictims of discrimination on the part of SunTrust Mortgage will share in a $21 million settlement agreed to yesterday by the company and the Department of Justice (DOJ). SunTrust, a wholly owned subsidiary of the nation's 11 th largest commercial bank, was accused in a lawsuit of engaging in a pattern or practice of discrimination against African-American and Hispanic borrowers. The lawsuit claimed that these qualified borrowers were charged higher prices for loans obtained between 2005 and 2009 through SunTrust Mortgage's regional retail offices and national network of mortgage brokers. The settlement ends a two-and-a-half-year investigation by DOJ which began after a referral by the Board of Governors of the Federal Reserve to DOJ's Civil Rights Division in December 2009. The investigation...(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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