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Trust Mortgage Inc | Mark E. Ary | Cape Coral, FL | (239) 549-1997
Trust Mortgage Inc | Mark E. Ary | Cape Coral, FL | (239) 549-1997Trust Mortgage Inc | Mark E. Ary | Cape Coral, FL | (239) 549-1997

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(239) 549-1997

  • Home
  • About
    • Our Team
      • Mark E. Ary
      • Tarin E. Parnell
      • Ashley Ryals
      • Abigail Brock
    • Media Gallery
  • Products
    • Reverse Mortgages
      • Refinance Line of Credit
      • Home Equity Conversion Mortgage (HECM)
      • Reverse Mortgage Fact Sheet
      • Reverse Mortgage Brochure
      • Reverse Mortgage Packet
    • Fixed Rate Mortgages (FRM)
      • Fannie Mae Mortgages
      • Freddie Mac Mortgages
    • FHA Loans
    • VA Loans
    • USDA Mortgages
    • Physician Mortgages
    • Interest Only Mortgages
    • Graduated Payment Mortgages
    • Adjustable Rate Mortgages (ARM)
    • Foreign National Mortgages
    • Bank Statement Program
    • DSCR Loan Program
  • Testimonials
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    • Careers & Employment
  • Contact
  • Apply
    • Application for Mark
    • Application for Tarin
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  • Home
  • About
    • Our Team
      • Mark E. Ary
      • Tarin E. Parnell
      • Ashley Ryals
      • Abigail Brock
    • Media Gallery
  • Products
    • Reverse Mortgages
      • Refinance Line of Credit
      • Home Equity Conversion Mortgage (HECM)
      • Reverse Mortgage Fact Sheet
      • Reverse Mortgage Brochure
      • Reverse Mortgage Packet
    • Fixed Rate Mortgages (FRM)
      • Fannie Mae Mortgages
      • Freddie Mac Mortgages
    • FHA Loans
    • VA Loans
    • USDA Mortgages
    • Physician Mortgages
    • Interest Only Mortgages
    • Graduated Payment Mortgages
    • Adjustable Rate Mortgages (ARM)
    • Foreign National Mortgages
    • Bank Statement Program
    • DSCR Loan Program
  • Testimonials
  • Resources
    • Mortgage Calculator
    • News & Updates
    • Careers & Employment
  • Contact
  • Apply
    • Application for Mark
    • Application for Tarin

News

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August 2022 Newsletter

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How to Read a Preliminary Title Report

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July 2022 Newsletter

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Home Town Heroes Program

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June 2022 Newsletter

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May 2022 Newsletter

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April 2022 Newsletter

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March 2022 Newsletter

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Mortgage Rates Hit 4.0% For First Time Since May 2019

There are many different ways to track mortgage rates and several different sources quoted in the news.  For decades, the most prevalently-quoted source has been Freddie Mac’s weekly primary mortgage market survey.  It consists of a questionnaire sent out to loan officers at the beginning of every week.  They can respond as late as Wednesday, but the…

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The Whole Truth and Nothing but the Truth

I just saw an ‘ad’ that came from the Royal Palm Association of Realtors that called mortgage brokers “middlemen” which I took as a dig against mortgage brokers, while the person in the ad stated: versus a “traditional bank or mortgage banker like himself” making it sound like that is better.  That is very interesting…

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Mortgage Rates Hitting Even Higher Highs

Mortgage rates had been drifting modestly higher in general in the past 2 weeks, but the pace is accelerating in the new year.  For some lenders, this occurred yesterday in response to heavy selling in the bond market (mortgage rates are based primarily on bonds).  Those lenders were forced to raise rates just a bit more today…

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HECM for Purchase (H4P) and Bankruptcy Qualification

Did you know that a Chapter 7 or 13 Bankruptcy does not exclude a borrower for using a HECM for Purchase (H4P), a form of Reverse Mortgage, from purchasing a home?  Chapter 7 A Chapter 7 liquidation does not disqualify a borrower for a HECM for Purchase if, at the time of case number assignment,…

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Mortgage Rates: Higher Highs, and Higher Lows

By Mark E. Ary The average for a 30-year, fixed-rate mortgage continues to move notably higher over the last several weeks. Most noted factors are inflationary fears, global supply chain woes, and how the pandemic will continue to affect the economy today, and moving forward. Florida – The 30-year fixed-rate mortgage (FRM) averaged over 3.05%,…

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NAR Research: Student Loan Debt Makes Home Buying Difficult

How much does student-loan debt impact buyers? A three-year NAR study calls for reform, noting that millennials are “drowning in student loan debt.” WASHINGTON – Experts from the housing and higher-education fields joined policy thought leaders from the National Association of Realtors® (NAR) last Wednesday to discuss the current student loan debt crisis and how…

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Mortgage Rates Surpass 3% Again – Hit a 6-Month High

By Kerry Smith Average mortgage rates continue to hover around 3%, but they’ve slowly ticked higher. This week, the 30-year, fixed-rate mortgage averaged 3.05%. MCLEAN, Va. – At 3.05%, this week’s average, 30-year mortgage rate rose to a level unseen in six months, according to Freddie Mac’s weekly survey. “The 30-year fixed-rate mortgage rose to…

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Best Mortgage Broker in Cape Coral by Expertise.com

For more information visit the website at: https://www.expertise.com/FL/cape-coral/mortgage-brokers-lenders?template=classic-v7#TrustMortgage

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Certificate of Achievement for Mark Ary for 14-Hr Real Estate CE (Ethics & Core Law)

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Jumbo Loans are Just Our Size

LET US GET YOU THE LARGE LOAN YOU NEED! Now offering JUMBO loans as big as $3 Million • Currently offering a Rate of 3.5% on a 30-Year fixed rate mortgage*• Interest rates better than banks and direct lenders• Loans from $548,250 to $3 million• Fast closings – typically 30 days or less• Options for…

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Certificate of Achievement for Mark Ary for HECM for Purchase Certification Requirements

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Government Update for VA IRRRL (refinance)

Effective immediately, VA issued VA Circular 26-21-11  announcing a Certificate of Eligibility is no longer required for Interest Rate Reduction Refinancing Loans (IRRRLs). This change can be applied to existing loans in the pipeline with application dates on or after July 15, 2021. Reference: AllRegs > Government Underwriting Guidelines > VA Underwriting Guidelines > VA…

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US housing market is short 5.5 million homes, NAR says

Lobbying organization is calling on “major national commitment” to build housing in US June 16, 2021, 4:03 pm By Tim Glaze The National Association of Realtors says the current state of the housing market is absolutely “dire,” the consequence of a housing shortage 30 years in the making. According to the lobbying group, construction of long-term housing fell 5.5…

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NAR: Vacation Home Sales Rose 16.4% in 2020

By Kerry Smith Lee County tops NAR’s list of U.S. counties for the highest increase in vacation home sales, with Collier County also making the top 10 list. In 2020, vacation home sales were 5.5% of total existing-home sales; in 2019, they were 5%. Vacation home median prices were up 14.2%. WASHINGTON – Vacation homes…

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Should You Rent or Buy Your Next Home in Retirement?

by: Patricia Mertz Esswein The housing market is hot, and it’s a great time tosell your home. Still, if you’re thinking about renting your next one, consider the tradeoffs. Renting temporarily is fine if you want to try a new location or if you anticipate moving frequently early in retirement. But the longer you rent in…

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Bond and Equity Markets, Are we in for the Ride?

I have had some interesting, if not shocking conversations with multiple sources over the last several days to the effect of: “I’ve heard that mortgage rates have gone down over the last several days.”  To be frank, as of yesterday the US 10-year Treasury yield has increased by over 32 bases points in the last…

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Public Service Announcement 211 & 311

Did you know that when you dial 211 from almost anywhere in the United States or Puerto Rico, you are connected with a trained professional in your area who can connect you with resources and assistance for essential community services. It works just like dialing 911 where calls are routed by the local phone company to…

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Come on Down! Fla. Attracts Retirees and Many More

Original Article: https://www.floridarealtors.org/news-media/news-articles/2021/02/come-down-fla-attracts-retirees-and-many-more By Erica Plemmons Florida Realtors economist: Marketing to out-of-staters and wondering which demographic group to target? The most-cited reason for moving to Florida is retirement (39%), but many others come for the jobs (23%), the lifestyle (21%) and family (17%). ORLANDO, Fla. – Americans from the Northeast and Midwest continued to go…

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VA Home Loan Approval Letter

We at TMI are proud to announce our latest VA appointment with another great wholesale lender; furthering TMI’s commitment to provide our Military personal and veterans, as well as all our clients, with the best rates and lowest fees for every credit profile!

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Rates Rising Quickly, But The Truly Scary Stuff is For Another Day And Another Reason

Original Story: Rates Rising Quickly, But The Truly Scary Stuff is For Another Day And Another Reason Mortgage rates went to bed last night knowing they were at risk of a volatile day today.  Georgia’s senate race has been in focus for 2 months now because it had the chance to change the balance of power in congress. …

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If you’re Looking to Save Money by Refinancing, Then Now is the Time

There are plenty of reasons to refinance but avoiding an incoming Fannie Mae and Freddie Mac refinancing fee now tops the list!  Fannie Mae and Freddie Mac will start charging an ‘Adverse Market Refinance Fee’ on December 1, 2020.  This new fee, originally slated to begin September 1, with a new effective date is December 1, 2020, adds a…

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Refinance Fee Update

Mortgage giants Fannie Mae and Freddie Mac just announced in August that they are raising fees for lenders on all mortgage-refinances. This change is designed to shield them from the additional risk brought on by the coronavirus pandemic and the secondary mortgage market. Their price adjustment adds 0.5% of the loan amount to the consumer’s cost.

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What is a Reverse Mortgage?

There are two types of reverse mortgages – • There is a Home Equity Conversion Mortgage (HECM), which in its simplest definition is a loan that is government-insured by HUD and is regulated by the U.S. Federal Housing Authority (FHA), and • A Proprietary Reverse Mortgage, which is a reverse mortgage originated by a mortgage…

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MARK E. ARY, MBA
Senior Licensed Loan Originator & Certified Reverse Mortgage Specialist
NMLS License #1819310
NMLS License #499320
NAR License #258006473
FAR License #3078731

Contact Info
  • Address:
    Located in Cape Coral, FL 33904. Serving all of Florida.
  • Business hours:
    Mon - Fri: 9AM - 5PM
  • Phone number:
    (239) 549-1997
  • Fax Number
    (239) 215-8436

Find us on:

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Mortgage Products
  • Reverse Mortgages
  • Fixed Rate Mortgages (FRM)
  • FHA Loans
  • VA Loans
  • USDA Mortgages
  • Fannie Mae Mortgages
  • Freddie Mac Mortgages
Products Continued…
  • Physician Mortgages
  • Interest Only Mortgages
  • Graduated Payment Mortgages
  • Adjustable Rate Mortgages
  • Foreign National Mortgages
  • Bank Statement Program
  • DSCR Loan Program
© Trust Mortgage Inc. | All rights reserved | Designed by: Yeppy Marketing & Web Design | HUD Disclaimer: This material is not from HUD or FHA and has not been approved by HUD or any government agency.
  • Home
  • About
    • Our Team
      • Mark E. Ary
      • Tarin E. Parnell
      • Ashley Ryals
      • Abigail Brock
    • Media Gallery
  • Products
    • Reverse Mortgages
      • Refinance Line of Credit
      • Home Equity Conversion Mortgage (HECM)
      • Reverse Mortgage Fact Sheet
      • Reverse Mortgage Brochure
      • Reverse Mortgage Packet
    • Fixed Rate Mortgages (FRM)
      • Fannie Mae Mortgages
      • Freddie Mac Mortgages
    • FHA Loans
    • VA Loans
    • USDA Mortgages
    • Physician Mortgages
    • Interest Only Mortgages
    • Graduated Payment Mortgages
    • Adjustable Rate Mortgages (ARM)
    • Foreign National Mortgages
    • Bank Statement Program
    • DSCR Loan Program
  • Testimonials
  • Resources
    • Mortgage Calculator
    • News & Updates
    • Careers & Employment
  • Contact
  • Apply
    • Application for Mark
    • Application for Tarin
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Learn from experienced mortgage broker Mark E. Ary, MBA - Senior Licensed Loan Originator and Certified Reverse Mortgage Specialist.

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