DUELING PIANOS! THIS SATURDAY DEC 20TH @ 8PM

 This Saturday , Dec 20th, doors open at 8pm, performance starts a 9pm. Join Connectivity-Me and Marco Island Fish Co. for Dueling Pianos! This will be a lively fun night! If you have never attended a Dueling Piano night, get ready for a real treat! Please contact Marco Island Fish Company at 239.389.6900. If you contact Marco Island Fish Company, please mention you're with the ConnectivityME group, or contact Marc Creach (440) 567.8555 or Kristina Lambros (via Facebook) for tickets and payment. We look forward to seeing you all this Saturday! There are limited tickets, so act FAST!!!!!


http://connectivityme.blogspot.com/2014/12/dueling-pianos-this-saturday-dec-20th.html

Connectivity @ the Speak Easy tonight 9 PM! Come check us out!

http://connectivityme.blogspot.com/2014/12/connectivityme-and-speak-easy-present.html

Marco Island/ Southwest Florida Networking group you need to check out!!

http://www.marcoislandflorida.com/article/20141203/MARCONEWS/312030001/Networking-group-opts-fresh-take

This is super funny! Check this out!

https://www.youtube.com/watch?v=pwGqPHAj6Kw

Have a blessed and Happy Thanksgiving from Connectivty. Looking forward to Connectivity's upcomging Holiday Networking events!

https://plus.google.com/u/1/b/114731242956014820926/114731242956014820926/posts

Networking to grow your business!

Connectivity-me,  of Marco Island and Southwest Florida! Check us out!  Grow your sphere , grow your business. Event networking at is funnest ! Please take a moment to check out what we are about!

http://www.connectivity-me.us/

Connectivity-me Networking Videos from Halloween!

Halloween bash @ Marco Island Fish Company!

Networking in its simplest form! Click Link Below!!

https://www.youtube.com/watch?v=garadDEgkwU

CONNECTIVITY-ME Newest and Hottest Networking Group!

 Please take a moment a moment to review the link below.  This is Marco Island and Southwest Florida's newest and hottest networking group! Please, if you any questions about becoming a member please give me a call direct @ 440.567.8555. You can also visit the site and sign up.  We look forward to connecting!


http://www.connectivity-me.us/

Connectivity-me Halloween Party! Help me out with some costume ideas!

REALLY, and we thought prices were rising in Marco!

 I was shocked after reading this article this morning.

http://money.cnn.com/2014/10/09/real_estate/hong-kong-parking-space/index.html




Marc M. Creach
Mortgage Lender
Marketplace Home Mortgage, LLC
Office 239.227.2500
Cell 440.567.8555
mcreach@marketplacehome.com
Efax. 239.596.3029
nmls# 980636
 

Realtor's and Potential Borrowers, keep this Mortgage Checklist of items handy!

·    

Realtor's and Potential Borrowers, keep this Mortgage Checklist of items handy!

·        Current pay stubs.  (Most recent 30 days).

·        W-2’s for last two years.

·        Last two years tax returns.

·        Last 2 years tax returns for self-employed individuals and W-2 employees with UN-reimbursed expenses.  (All schedules).

·        Last two months of Bank and Asset statements, all pages, even if blank.

·        Copy of driver’s license and social security card.

·         Realtor name and contact information.

·        Certificate of eligibility or DD-214 for VA loan borrowers

·        Home Purchase Contract and all addendum's.

Marc M. Creach
Mortgage Lender
Marketplace Home Mortgage, LLC
Office 239.227.2500
Cell 440.567.8555
Efax. 239.596.3029
nmls# 980636

Great place to move, great place to invest!

THE REAL ESTATE REVIEW

by Joe Charde of Oneir Realty.

Marco Island - #1 in the Country, #4 in the World

Marco Island was named #1 Island in the United States by the world’s largest travel site, TripAdvisor, in their 2014 Travelers’ Choice Awards.  We beat out two Hawaiian Islands!  The site calls Marco Island “the Jewel of Florida’s Ten Thousand Islands” and also ranked Marco #4 in the world’s best islands. 

This is HUGE!  These ratings were votes from our tourists who have visited our “Diamond” in the Everglades over the last year.  TripAdvisor states it is the world’s largest social travel network with over 100 million travelers having used it.  Travelers like you contributed their candid reviews and opinions to this site and one random survey stated that 98% of the participants found TripAdvisor reviews accurately reflected their experience.  These designations are giving our Island worldwide attention and fame!

TripAdvisor Travelers’ Choice Awards are based on the reviews and opinions of millions of TripAdvisor travelers.  One of their polls on their site stated that 72% of U.S. respondents plan on visiting an island in 2014.  According to its website, TripAdvisor claims to be “the most popular and largest travel community in the world” with more than 32 million members and over 100 million reviews and opinions.

Last year Marco was featured by CNN travel as being one of the “10 places that can change your child’s life!”  The editor in Chief of National Geographic’s Travel Magazine, Keith Bellows, wrote about our paradise at the edge of the Everglades.  In his book he mentioned that “you can introduce them to spectacular nature and wildlife and marine biology by searching for dolphins.”  He says, “there is a kids’ way of seeing the world, when you get them to slow down and experience a place from their perspective, its magic.”  I have always known that we were No. 1 and have been writing about the splendors of our Jewel for over 20 years.  I agree with our local world traveler Dave Pattison who said it best: “I can unabashedly proclaim Marco Island as the premier place to visit or live for lifestyle and enjoyment.  It combines pleasure with value and activity with relaxation.  Go Marco!”

I phone users , finally we have something new!

Who downloaded the new  ios8 operating system for I phone?   I like it a lot.  The new keyboard that tells you what your next typed word is going to be is  crazy! 

Please find a moment to visit my site with Marketplace....

 Learn a little about Marketplace Home Mortgage , what we do and offer! We have an array of products that Im confident will meet your clients needs. Below you will find a direct link to my website!



http://marccreach.marketplacehome.com/Default.aspx

Made it in the Marco Eagle!

Check out the "Second Tuesday Opening of the Marco Island Center of the Arts" article in the September 11th edition of the Marco Eagle. Don't forget to check out the photos! 

Marco Eagle Article

Thanks for visiting!

Marc Creach

Mortgage Lender

NMLS #980636

mcreach@marketplacehome.com

D. 239-227-2500

C. 440-567-8555

F. 239-236-1276

Had a lot of fun! Check this out!

I'm so glad I had the opportunity to attend the Gallery opening and Social at the Marco Island Center for the Arts.   I will be attending every 2nd Tuesday of the month.  Join me!!

 https://www.google.com/calendar/render?eid=aWNuam1hNHVhcnB2b2VjaXFuY2NqZHZqMHNfMjAxNDA5MDlUMjEzMDAwWiBqdjJpNnA0cWxlMWFoM2czcTdsNjdjNzhiNEBn&ctz=America/New_York&sf=true&output=xm

Still getting a lot of questions on Short Sale Waiting Periods...

Fannie Mae made 2 changes that will affect home buyers who have had a previous short sale.

1. Buyers who had a 20% down payment could repurchase again after only 2 years. Buyers now have to wait 4 years instead of 2 years to purchase a home, regardless of the size of their down payment.
2. Until August 16th, buyers with a prior short sale and a 5% down payment had to wait 7 years to qualify to repurchase a home. Now buyers only have to wait 4 years.

When can I buy again after having a short sale?

Here are the current waiting periods for a buyer who had a prior short sale and wants to use either conventional, FHA or VA financing.

Conventional. As of August 16th, it is 4 years before a buyer can repurchase again using Conventional financing. So no matter what size the down payment is, either 40%, 20% or 5% down, a buyer with a prior short sale has to wait 4 years now across the board before they can get conventional financing again.

FHA. It is 3 years before a buyer can repurchase again using FHA financing.

*FHA TIP: The FHA has a loophole that not many people know about. If a FHA buyer did not have any late payments before their short sale, they are allowed to qualify again with no waiting period for FHA financing.

New FHA Short Sale Rule for 2014. The FHA introduced a new rule in 2013 that reduces the waiting period that buyers must wait after a bankruptcy, foreclosure or short sale before qualifying for an FHA-backed mortgage. The buyer must have experienced an “economic event” whereby their household income fell by 20% or more for a period of at least six months.

The period had previously been two years following a bankruptcy, and three years following a foreclosure or short sale. The agency has now reduced the waiting period to only ONE YEAR.

For additional information on how to qualify under this new FHA rule, check out this article HERE in the San Diego Union Tribune newspaper.

VA. It is only 2 years before a buyer can repurchase again using VA financing.

Marketplace Home Mortgage is Sponsoring!!  There is still time to register.  Come join us tomorrow. Class will be taught by :

Liz Landry MAPS Technology Coach
Tomorrow August 20th, 2014
8:30am-3:30pm @
Naples Daily News
Headquarters
1100 Immokalee Road
Naples, FL 34110

 See Link below to register!!



http://mapscoaching.kw.com/bold/bold-technology

Good morning,

JUST A REMINDER:

TODAY , 8/1 from 10:00-11:30 am, in the training room, Loan Product 101 taught by lender 

Marc Creach.

“At Market Place Home Mortgage, we understand the important role that the Realtor plays in their client’s home buying process. That’s why we are committed to providing you information that will help you respond correctly to your client’s basic financing questions.

There’s a lot of information the buyer has to digest during the financing process, and we’d like to simplify it for you the Realtor. This class will help break down the basic loan products, basic guidelines, some of the confusing terminology and clearly explain the home financing options that are available.  Some of the topics we will review are:  Conforming, FHA, USDA, and VA loan products.  In addition, we will discuss pre approvals vs commitments. Finally, we will open the room for a Q and A.  You will have that chance to ask all those questions that drive Realtors crazy in the home financing process.”

                                                                                   

We hope this class helps you better understand home financing options, which in turn will allow you to shine as Realtor. We are looking forward to seeing you there. 

Marc M. Creach
Mortgage Lender
Marketplace Home Mortgage, LLC
Office 239.227.2500
Cell 440.567.8555
Efax. 239.596.3029
nmls# 980636

Loan Product 101 for Realtors

Loan Product 101 Class - Friday, 8/1 10:00am - 11:30am

At Market Place Home Mortgage, we understand the important role that the Realtor plays in their client’s home buying process. That’s why we are committed to providing you information that will help you respond correctly to your client’s basic financing questions.

There’s a lot of information the buyer has to digest during the financing process, and we’d like to simplify it for you the Realtor. This class will help break down the basic loan products, basic guidelines, some of the confusing terminology and clearly explain the home financing options that are available.  Some of the topics we will review are:  Conforming, FHA, USDA, and VA loan products.  In addition, we will discuss pre approvals vs commitments. Finally, we will open the room for a Q and A.  You will have that chance to ask all those questions that drive Realtors crazy in the home financing process.

                                                                                   

We hope this class helps you better understand home financing options, which in turn will allow you to shine as Realtor. We are looking forward to seeing you there. 

Thank you.

Marc M. Creach
Mortgage Lender
Marketplace Home Mortgage, LLC
Office 239.227.2500
Cell 440.567.8555
Efax. 239.596.3029
nmls# 980636

USDA Territories are Closer than YOU Think!

Did you know that a USDA Residential Loans only have .04% monthly MI (Mortgage Insurance)? Compared to a FHA Residential Loan which has 1.35% monthly MI. This could save your clients hundreds of dollars monthly and thousands over a period of years!
Please the link below for area eligibility. Some of these eligible areas are vary CLOSE:

CLICK HERE

Marc Creach

Marketplace Home Mortgage, LLC 

Mortgage Lender

440-567-8555

mcreach@marketplacehome.com

NMLS #980636

Welcome to "Ask Marc At Market Pace" blog!

Welcome to "AskMarcAtMarketPlace" Blog, I am very excited to provide all of my friends and colleagues this informative blog in order to keep you up to date on daily mortgage and news events. Moreover, I am looking forward to sharing with you my daily, various mortgage circumstances and scenarios. Most importantly, please don't hesitate to ask me questions. I am committed to doing all I can to expand your knowledge of the mortgage industry, which in turn will allow you to provide better services to your clients. I just don't want your business, I want to grow as a team. I believe it is a win-win for us all and I am truly here to serve you!

Marc