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Steven Alexander
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Office: 404.250.3595
Ext. 22
Fax 404.250.3596
Click to email me
Click to visit our website
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Rate Information
Jumbo
5/1 Arm
5.75% 0 Points
7/1 Arm
6.00% 0 Points
Interest only Available
Minimum 700 credit score
Single Family – Condos at lower LTV
80% LTV to $850,000
75% LTV to $1,500,000
70% LTV to $2,000,000
All rates subject to change without notice
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For more information, or if we can answer any further questions, please visit our website by clicking here or below:
NationalGuarantyMortgage.com
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September 2008
Inside this newsletter:
30-year mortgages dip slightly to 6.35 percent The Market May Strengthen! Where Do I Property Shop? Super Fast Surfing With Google Chrome Recipe of the Month Steven Alexander ranks 15th in the State of Georgia in terms of residential
production loan volume as recognized by the Georgia Association
of Mortgage Brokers as reported in the Atlanta Business Chronicle.
Printed in the Home Quarterly section of the May 30-June 5, 2008 Atlanta Business Chronicle
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30-year mortgages dip slightly to 6.35 percent
The Associated Press, Martin Crutsinger
 WASHINGTON Sept. 5, 2008 Rates on 30-year mortgages fell for a third straight week, dropping to the lowest level since mid-July.
Freddie Mac, the mortgage company, reported Thursday that 30-year, fixed-rate mortgages dipped to 6.35 percent this week, down from 6.40 percent, the previous week. It marked the third consecutive decline and left rates at the lowest level since July 17 when they stood at 6.26 percent.
The 30-year mortgage, which hit a high for this year at 6.63 percent on July 24, has been above 6 percent since late May as financial markets have become convinced that rising inflation pressures will keep the Federal Reserve from cutting interest rates further to bolster the weak economy.
Frank Nothaft, chief economist for Freddie Mac, attributed this week’s decline in mortgage rates to recent reports indicating that consumer spending may slow further now that the boost from the economic stimulus payments is fading.
Nothaft noted that personal incomes, the fuel needed to support consumer spending, dipped by 0.7 percent in July, the worst showing in three years and a worrisome signal that spending could falter in the months ahead.
The Freddie Mac survey showed other mortgage rates also declined this week.
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The Market May Strengthen!
A sign that the U. S. housing market may strengthen in coming months, the index of sales contracts on previously owned homes rose 5.3% in June from the prior month, the National Association of Realtors reported Thursday. The index, which is considered a leading indicator of existing home sales, was down 12.3% from the June 2007 level. Pending home sales in June rose in all regions, with a gain of 9.3% in the South, 4.6% in the West, 3.4% in the Northeast and 1.3% in the Midwest.
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Where Do I Property Shop?
Excerpts from USA Today
 Four out of five buyers used the Internet to search for a home last year, the National Association of Realtors says. The number of people who can access these multimedia sites heavy with maps, pictures, graphics and video is growing fast: 55 percent of Americans have a high-speed Internet connection at home, up from 47 percent in early 2007, according to the Pew Internet & American Life Project.
Zillow.com Serves: Homeowners, buyers, sellers
Zillow shows sale properties on a map. Homeowners with homes not on the market can gauge interest in their property through the “Make Me Move” function. This allows people to select their own home on the site and include the sale price that would make them sell. Anonymous mortgage quotes are available on the site, with lenders approved by a third party and rated by users.
Realtor.com Serves: Homeowners, buyers, sellers, renters
This is the official site of the National Association of Realtors presents properties for sale and rent from multiple listing services around the USA. It offers cultural and demographic data on neighborhoods.
HotPads.com Serves: Homeowners, buyers, sellers, renters
This map-based search that can be filtered by properties for sale, for rent or both within an area. There’s also research attached to listings showing where the listing falls in relation to the median price for the city, neighborhood and county.
PropertyShark.com Serves: Homeowners, buyers, sellers
By pulling public information from public areas on the Web into one place, this site lets users view an in-depth portrait of a property. There are some listings for sale on the site, though they tend to be multifamily, commercial and investment properties.
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Finally the launch of a super fast browser with Google Chrome
Excerpts from www.2CheapGuys.com
On the surface, they designed a browser window that is streamlined and simple. To most people, it isn’t the browser that matters. It’s only a tool to run the important stuff on the pages, sites and applications that make up the web. Like the classic Google homepage, Google Chrome is clean and fast. It gets out of your way and gets you where you want to go.
Under the hood, they were able to build the foundation of a browser that runs today’s complex web applications much better. By keeping each tab in an isolated "sandbox", we were able to prevent one tab from crashing another and provide improved protection from rogue sites. We improved speed and responsiveness across the board. We also built a more powerful JavaScript engine, V8, to power the next generation of web applications that aren’t even possible in today’s browsers." (from Google)
All said this browser is fast and unique with ideas from Firefox to help it run smoother. Instead of traditional tabs like those seen in Firefox, Chrome puts the tab buttons on the upper side of the window, not below the address bar.
 List of Features:
To view the "Comic Book" to further educate you click here.
To go directly to the download page you can click here.
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Mmm-Mmm Better Brownies
SUBMITTED BY: Sarah PHOTO BY: AMATULLAH
 INGREDIENTS (Nutrition)
1/2 cup vegetable oil
1 cup white sugar
1 teaspoon vanilla extract
2 eggs
1/2 cup all-purpose flour
1/3 cup unsweetened cocoa powder
1/4 teaspoon baking powder
1/4 teaspoon salt
1/2 cup chopped walnuts (optional)
DIRECTIONS
Preheat oven to 350 degrees F (175 degrees C). Grease a 9x9 inch baking pan.
In a medium bowl, mix together the oil, sugar, and vanilla. Beat in eggs. Combine flour, cocoa, baking powder, and salt; gradually stir into the egg mixture until well blended. Stir in walnuts, if desired. Spread the batter evenly into the prepared pan.
Bake for 20 to 25 minutes, or until the brownie begins to pull away from edges of pan. Let cool on a wire rack before cutting into squares.
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