Office:	410.358.3170
Mobile:	410.779.8486
Fax:	440.378.3170

E-Mail: dsetzer65@yahoo.com

Deizshel Japonica Setzer
Licensed Residential & Commercial Lending Specialist

FHA (Federal Housing Administration)Certified Expert
Hope For Homeowners Programs
1st Time Homebuyer Programs
Lower Your Interest Rate
Current FHA Loan Holders Skip a Payment and get a lower Rate with no apprisal and no credit check
Reduce Your Loan Term
Remodel at the lowest possible rate
Debt Consolidation




Bio
Deizshel Japonica Setzer has lived in Maryland all of he life.. She is a graduate of the University Of Baltimore Robert G. Merrick School Of Business .She holds a Bachelors Of Science Degree in Business Administration with concentrations in the following disciplines-Finance-Management and Personnel Administration .She is active in the community a
liason with the Greater Baltimore Board Of Realtors, Real Estate Brokers Of Baltimore, and NAR.

I enjoy assisting in the community and volunteering as a guest speaker and educator for St. Ambrose Housing, Century 21, REMAX, ACORN , NHS and the NAACP. I provide educational opportunities to understand how to budget, the nuts and bolts of understanding and restoring credit, how to gain financial independence, how to maximize home ownership , how to understand different types of mortgages and the mortgage process.
I perform lending practices across the United States specializing in residential, commercial and construction financing. The exceptional service will provide benefits that last a lifetime.



Urgent messaage FHA (the federal goverment) is offering fixed rate mortgages below 6.5%
This program allows 96.75% for purchases and sellers assistance up to 6%. The program allows up to 85% f r refinancing with cash out and 97.75% for reducing your rate and term.receving no cash. There is a componet of the program which allows for the remodeling or rehabiltation of a home at the lowest possible rate.

Current FHA loan holders do not need to credit qualify as long as they are on time with their current payment and can skip a month mortgage payment while getting a lower rate. There is no appraisal needed for a rate reduction on an existing FHA loan . However, if you desire to receive cash to pay off bills or just need cash in hand than an appraisal is necessary and usually cost around $450.00.
If you have a conventional loan today and desire to get a lower rate than an apprisal would be necessary. You can get a fixed rate and the best thing about having FHA is that when rates drop, as long as your on time and still employed than you can get the new lower rate.



A mere 1/2 say going from 6.00% to 5.5% saves a $27,000, Imagine what you will save!!!


Building, purchasing or refinancing is one of the most important choices in your life. You deserve to be respected, heard, understood and appreciated. Together we will discuss your life plans, formulate an action plan, and do what is best for you today, tomorrow and always.
You will receive what your money could never pay for- honesty, integrity, truthfulness and a lifelong commitment to your financial success. I wil never sell you out.I look forward to serving you!


Thanks,
Deizshel Japonica Setzer
410.779.8486
410.358.3170
www.myloanofficersite.com/deizshelsetzer