The Death of Black America by Eran Reya

"The Death of Black America explains the mindset of an enslaved people whose trauma induced survival mechanisms now contribute to The Death of Black America. It describes the historic roots of the arrested development of the Black male and Black female; the inability of Black males to be men and the Black female’s distrust of Black men. It dissects the class, social, economic, and spiritual errors of the black community in their fight to acquire the American dream. We bought the dream but the price is our death as a people."

Listen to an interview with the author, Eran Reya, on THE ORAL BUFFET HOSTED BY HUSSEIN HILL

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Sonja Perdue
Mortgage Consultant
RUSH FINANCIAL

312.324-3871
641-354-2245 FAX


"Whatever you vividly imagine, ardently desire, sincerely believe, and
enthusiastically act upon...must inevitably come to pass!"

-- Paul J. Meyer

How Much Equity Do You Have In Your Property?

This may well be the first question that your lender will ask you, when you are applying for a new mortgage.

The higher the loan-to-value ratio -- the higher the perceived risk.

Borrowers with great FICO scores may even face challenges when applying for a new mortgage, if the loan-to-value ratio is higher than 90%.

Before you apply for a mortgage, it is important that you do some research of your own.

1. Know the value of your home. Contact a real estate appraiser and ask for a value check. (Sometimes, you can arrange this service without ordering a full appraisal.)

2. Know your credit scores. This will prevent multiple lenders from pulling your credit report.

3. Evaluate your true financial needs. What are your short and long-terms goals? Do you really need additional cash-out over-and-above your current mortgage amount?

4. Make a list of questions and concerns that you want to address with your lender.

Also, don't panic if the value of your home is not as high as anticipated. If you brought well, your property will probably hold it value through these trying times.

Do your research and plan ahead, these few items will put you back in the game.

>REQUEST A RATE QUOTE


Sonja Perdue
Mortgage Consultant
Rush Financial

312.324-3871
641-354-2245 FAX

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