Greetings!
If you know us, you know we believe in finding our clients' "pain" and removing it. You know that we care deeply for all our clients, their well-being and in providing a quality service with excellent value.
We've all heard by now the best thing we all can do for the economy is to "stimulate" it by spending when we can. At Brilliant Services, we've taken a hard and very serious look at what we can do as a Small Business in the Treasure Valley to stimulate our local economy.
We are extremely proud to announce we have completely revamped our entire pricing structure. We STILL offer ALL the value, trust and excellent employees we always have. As a team, Brilliant Services and its employees are simply "doing more with less".
Our goal is to continue building excellent relationships with our clients by helping them make and keep their homes and offices clean and comfortable.
Call us today to find out what we can do to help clean and beautify your world!
April Economic Stimulus Package
Carpet Cleaning For Your ENTIRE Home!
No restrictions on size!
ALWAYS includes basic spot removal, carpeted bathrooms and closets!
4 Hours of Housecleaning
In a typical home this would include bathrooms, kitchen and a deep clean in another area.
Exterior Windows (Including Screens!)
Up to 1.5 hours of window washing!
For Only $269!
Our Price: $269
List Price: $538
Savings Of: 50%
Home Affordability & Stability Plan
By Bill Stallings and Jackie Updike
Countryside Mortgage - 208-846-8813
President Obama unveiled his plan to help stabilize the housing market and keep millions of borrowers in their homes.
The Homeowner Affordability and Stability Plan include two initiatives to help struggling homeowners. One is a refinancing program for homeowners with less than 20% equity in their homes, or who owe more than their home is worth. The second program attempts to lower monthly payments for homeowners at risk of losing their home. Here is an overview of the plan's main components.
Refinancing Initiative
Under current rules, those families who have less than 20% equity in their homes have a difficult time refinancing and taking advantage of the historically low interest rates. Therefore, the refinancing initiative in the new plan provides refinancing help for homeowners with less than 20% equity in their homes or who owe more than their home is worth. This initiative is open to homeowners who have conforming loans which are guaranteed by Fannie Mae and Freddie Mac, and who owe up to 5% more than their home is worth. According to the plan, "credit-worthy" or "responsible" homeowners can refinance their mortgage into a 30- or 15-year, fixed-rate loan based on current market rates. The refinanced loan, however, cannot include prepayment penalties or balloon payments. For many families, this low-cost refinancing may help reduce their mortgage payments by up to thousands of dollars per year.
Stability Initiative
This initiative aims at providing help to individual families as well as entire neighborhoods by helping reduce foreclosures and stabilize home prices. It is intended to help homeowners who are struggling to afford their mortgage payments, but cannot sell their homes because prices have fallen significantly. The goal of this initiative is simple: "reduce the amount homeowners owe per month to sustainable levels." To accomplish this, lenders are encouraged to lower homeowners' payments to 31 percent of their income by lowering their interest rate to as low as 2% or by extending the terms of the loan. In addition, lenders can also lower the principal owed by the borrower, with Treasury sharing in the costs. Homeowners who are current on their mortgages but are struggling can still apply for this program. As such, this is one of the few programs designed to help homeowners who may face delinquency soon, but are current at the moment. Since the focus of this initiative is on helping families and neighborhoods, investment properties do not qualify. This initiative also includes a number of additional elements and incentives that benefit homeowners and lenders alike, including: Incentives to Help Borrowers Stay Current: To provide an extra incentive for borrowers to keep paying on time, the initiative will provide a monthly balance reduction payment that goes straight towards reducing the principal balance of the mortgage loan. As long as a borrower stays current on his or her loan, he or she can get up to $1,000 each year for five years. Reaching Borrowers Early: To keep lenders focused on reaching borrowers who are trying their best to stay current on their mortgages, an incentive payment of $500 will be paid to servicers, and an incentive payment of $1,500 will be paid to mortgage holders, if they modify at-risk loans before the borrower falls behind.
If you have questions on your mortgage or have questions on the information presented in this article please call us to get more information.
Sincerely,
Your Brilliant Services Crew
Brilliant Services, LLC
Don't forget to call and ask us about our previous month's Economic Stimulus Packages that have been extended!
As Long As It's Not Illegal Or Dangerous, We WILL Do It!
Your Brilliant Services Crew
Brilliant Services, LLC |