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Raleigh loan officer Michele Zelvis joins First Priority Financial in Raleigh!
Michele Zelvis is a seasoned mortgage loan officer. Licensed in North Carolina for over sixteen years, Michele has extensive experience in originating government insured mortgages. This includes VA and USDA 100% financing and FHA insured mortgages.
Because of her government insured home loan experience, Michele works with many first time home buyers and she also assists our nations veterans and service members utilizing the VA Mortgage Loan.
Michele understands the importance of comparing loan options and providing as many loan choices as possible to each of her clients. She works tirelessly to make sure she has offered the best terms and explained options to her customers before proceeding with the loan.
“Considering all aspects of my clients financial needs is my top priority when determining the best loan options. The time and effort spent in this area saves my clients a lot of money and helps them meet their goals. Not just a loan officer but a mortgage planner.”
“I joined First Priority Financial because I need to ensure my clients have the best terms and service possible. The technology and tools they provide allow me to manage my time more efficiently. I don’t know of any other company that offers a more enjoyable work environment and generous compensation plan that I get with this company.”
Interests: In Michele’s spare time she spends a lot of her free time helping others as an active member in the Wake Forest Kiwanis Club. She also enjoys deep sea fishing and recently took third place in a fishing tournament. Loves Crown Royal(She says’s after one I am done!) and loves a good game of poker. NASCAR – loves Jeff Gordon and white water rafting/kayaking. But her all time favorite activity is gardening.
If you have mortgage needs in the State of North Carolina be sure to contact Michele for a free quote. You may also set an appointment to meet with her at our convenient Raleigh location int he Atrium building (Glass building at the corner of Lake Boone Trail and Blue Ridge Road). Once you speak with Michele you’ll understand why so many home buyers, home owners and real estate agents recommend her services.
Getting the best mortgage rate by predicting when lenders will change their rates
One of the most crucial parts of a mortgage loan are the terms. Since mortgage rates are constantly changing, sometimes several times throughout the day it is nearly impossible for consumers to know if they are getting the best deal. Once could argue that if they lock in a rate they are happy with that it is enough. However if they lock in as rates are continuing to drop they could lose money by not waiting. In many cases lenders simply quote rate, lock the loan, collect a fee and process the loan.
We think this is an outdated method and a poor excuse for service. We take the time to use technology and watch market trends to take advantage of falling interest rates. We provide this service at no additional cost. This is how we set ourselves apart from everybody else. Watch this short video with a basic explanation.
Why credit cards are better than cash
We’ve all been taught that cash is best and to avoid credit. This advice is now bad advice and no longer applies if you pay your balance in full each month. If you use cash instead of credit you are losing a lot of money. See how to make money on everyday purchases, protect yourself from fraudulent charges and receive many other benefits all for free!
Did you know that cash is not best? Throw away those out dated lessons. Credit is better than cash when you use credit card rewards to your advantage. Watch this video to find out why.
Raleigh mortgages- Raleigh home loans
Krishnaben Khakhrawala – Episode 174 – 27th July 2011
setindia asked:
Bhoomi discloses Ilesh that Nilay’s loan gets rejected as Krishnaben didn’t had any proof of her husband’s death. Krishnaben reaches at Bank manager’s residence and pleads her that she is ready to keep herself on mortgage instead of her house and also urges to pass Nilay’s laon as fast as possible. Uday gets upset. What will be Bank manager Mathur’s decision? ” Ahmedabad,Krishnaben Ka Khakra is not the biggest snack brand but it is definitely the most loved. And more than her khakhra, it is Krishnaben herself that the people of Ahmedabad love. At 45, Krishnaben is an icon for the common man and her energy, hard work and her image of an ideal mother and sensitive businesswoman adds to her aura. Her life has been a mixed bag of joy and pain but Krishnaben has taken everything in her stride to become what she is today. Krishnaben’s husband, Ravi expired within 12 years of their marriage leaving behind 3 sons – 10 yr old Ishaan, 9 yr old Nilay, 7 yr old twins Uday and a daughteDamini. Krishnaben took up the challenege of raising the children and faced life with a lively and undying spirit. Krishnaben is also a loving, caring and religious woman who is principled, positive thinking and strong willed. Even though she is a widow, she dresses up well for her children’s sake. The story begins at a point when, the children want their mother to stop working hard by selling snacks and live peacefully and relax with their families. Krishnaben also respects her children’s demand and …
Norwich vs Scunthorpe Highlights (02/04/2011)
sink257 asked:
Dani Pacheco makes his debut for Norwich on loan from Liverpool in a 6-0 drubbing of Scunthorpe
Road Warrior-level collapse imminent: Alex Jones says we must take corrective action now
TheAlexJonesChannel asked:
www.infowars.com Move towards global currency as US loses status, faces depression The United States as we know it has ended, Alex Jones warns, as the nation has lost credit rating with China, its Dollar reserve status ending as the country– saddled by debt and unable to fund programs– prepares to submit to IMF-style austerity measures. Sadly, the US can expect to see itself picked-off by the same predatory lending practices and control measures long imposed on vulnerable 3rd World countries throughout the globe. A financial coup d’etat has taken place over the past two years, and the global elite are moving to consolidate the pieces– accept where patriots have been strong enough to stand up and say no.
Phượng Hoàng Thần Nữ – clip 01
thnhnguyn asked:
Phượng Hoàng Thần Nữ (Flame Bathing Phoenix, 浴火鳳凰) do Đài Loan sản xuất năm 1990. Diễn viên: Phan Nghinh Tử (Huyết Phượng Hoàng/ Phượng Hoàng Thần Nữ), Miêu Kiều Vỹ (Chung Hào/ Thiên Ma), Cố Quán Trung (Ba Long Tinh), Tiêu Tường (Ba Hồng Anh), Hoa Ỷ Như (Xà Ma Nữ), Long Thiên Tường (Á Hồng), Khuất Trung Hằng (Thổ Đậu),…
Yuto:Nagatomo★|Inter||Left Back||Japan||
TheKyo1ro asked:
www.youtube.com AKIHIRO IENAGA www.youtube.com SHINJI KAGAWA Personal information Full name Yuto Nagatomo。長友Date of birth 12 September 1986 (1986-09-12) (age 24) Place of birth Saij, Ehime, Japan Height 1.70 m (5 ft 7 in) Playing position Full Back Club information Current club Internazionale (On loan from Cesena) Number 55 Youth career 2002–2004 Higashi Fukuoka High School 2005–2007 Meiji University Senior career* Years Team Apps† (Gls)† 2008–2011 FC Tokyo 72 (5) 2010–2011 → Cesena (loan) 16 (0) 2011– Cesena 0 (0) 2011– → Internazionale (loan) 11 (1) National team‡ 2007–2008 Japan U-23 6 (1) 2008– Japan
Weak banks, scared small businesses, political noise & no loan growth
MrNChoudhury asked:
July 20 2011 CNBC [Background: Bank of America is expected to record more than $20bn in mortgage-related charges] David Joy, Ameriprise Financials, Chief Market Strategist Paul Miller, FBR Capital Markets, Former bank examiner of Philadelphia Fed Russ Umphenour, CEO of Focus Brands (Question: Bank of America closed below $10 for the first time since March 2009. Do you think that move was overdone?) David Joy — No. I think in the short run we are not quite certain. But I will say this. BofA is going to eventually clear up its balance sheet. It may take them a couple of years to get back to normalized earnings but they will get there. The same is somewhat true of JPMorgan. But still the sector is going to need more time. (Question: You’ve talked about how earnings are doing well. We’re worried about the debt ceiling and everything going on in Europe. What is your personal prediction for what happens to the man on the street or the small business owner in the US?) David Joy — I think you have to separate this environment into two parts. The first is the underlying fundamentals. We’re still wrestling with this question whether or not what we’ve gone through in the second quarter is just a temporary slowdown and we’re going to re-accelerate to a 3% growth rate or whether or not it’s more persistent. And we don’t know the answer to that yet. So that really is the issue in relation to the small business owner. My personal view is that we do re-accelerate to a better …