Facts You Should Know About the Mortgage Application Process.

mortgage-application-facts

Having trouble getting your mortgage approved? Here is some helpful information you should know about the mortgage application process.

1.  You can get a loan with as little as 3% on a Conventional loan, 3.5% down on an FHA loan & no money down on VA and USDA loans.

2.  Minimum credit scores: Conventional- 620, FHA- 580, VA- 600, USDA- 620.

3.  Down payment can be gifted from a family member or come from a retirement account.

4.  Seller can pay closing costs 6% for FHA and USDA, 4% for VA and 3% for Conventional.

5.  No rental history needed with a credit score over 620.

6. Two year wait after a Chapter 7 bankruptcy discharge for FHA and VA, 4 years for Conventional and 3 years for USDA.

7. No wait period after Chapter 13 bankruptcy for FHA, USDA, and VA providing trustee payments were made on time. Two year wait period after discharge or Conventional.

8. There is a 3 year waiting period after short sale for FHA and USDA. VA has a 2 year wait period. Conventional wait period is two years with 20% down, 4 years with 10% down and 7 years with less than 10% down.

9. Most medical collections can be left open.

Solar Energy and Why it is Important.

solar-energy Many people are considering solar energy as a source of energy for their homes. Obviously, you must first evaluate the cost effectiveness of the project. Additionally, it is good to know why solar energy is necessary.

You will find that solar energy is a most interesting, important and efficient form of energy. Solar energy is produced by the sun. It can be harnessed like any other type of energy and used to create electricity to run homes and businesses. Solar energy does not compromise the environment.

In order to harness the energy from the sun and turn it into electricity, it is necessary to have solar cells to collect and transform solar energy into usable electricity. These cells are typically in the form of panels that face the direction of the sun to capture the most rays possible. Solar energy is completely natural and is considered a clean energy source. It does not disrupt the environment or create a threat to eco-systems the way oil and some other energy sources might.

The most important issue of all is probably why solar energy is important to you, personally. Fossil fuels, like gas and oil, are not renewable energy. Once they are gone they can’t be replenished. Fossil fuels create massive pollution in the environment. This pollution affects waterways, the air you breathe, and even the meat and vegetables that you eat. These fuels are expensive to retrieve from the earth and they are expensive to use.

It is absolutely possible to take control of your energy costs by using solar energy. Many companies offer free design and free analysis with a no “no money out of pocket plan”. We have partnered with a company that can provide solar energy solutions, Infiniti Energy Services.

Benchmark Physical Therapy in Waretown, NJ has expanded their facility!

Ocean Pointe Plaza
1 Memorial Dr & Route 9 South Waretown , NJ 08758
732-370-0291

Announces

Benchmark Physical Therapy in Waretown, NJ has expanded their facility!

Clinic Provides Patients Comprehensive PT Services for Healthy Living

Ocean Pointe PlazaWaretown, NJ, Oct. 24, 2012– Physiotherapy Associates, the nation’s foremost provider of outpatient physical therapy services, announced that thanks to its success since opening in 2011, Benchmark Physical Therapy has doubled the size of their Waretown, NJ facility. This clinic offers the Waretown, NJ community a comprehensive range of outpatient physical therapy services, including Physical Therapy, Manual Therapy, Sports Rehab, Pre- and Post-Op Rehab, Orthopedics and Injured Worker Rehab. The increase in space means an increased ability to do sports rehab, agility drills, balance and gait rehab; the potential to add new rehab equipment; and improved privacy for patients.

Leading the physical therapy services at the clinic is Ryan McCormick, MPT. Ryan has been delivering Physical Therapy to Ocean County since 1998. He earned his bachelors degree in Exercise Science at the University of Pittsburgh in 1995 and his Masters degree in Physical Therapy in 1998 at Chatham University in Pittsburgh, PA.

Ryan stated, “this expansion allows us to better accommodate our growing patient base, maximizing services that allow us to provide optimal care that all patients deserve in a spacious, comfortable environment. Pair that with experienced, passionate clinicians, and you have the benchmark in a Physical Therapy provider”.

The clinic offers three compelling reasons to visit: one-on-one care; treatment programs that are overseen by licensed physical therapists; and successful patient outcomes.

For more information or to schedule a consultation at the clinic, call 609.693.1282 during the clinic’s convenient office hours from 8am to 7pm on Mondays and Wednesdays, 8am to 2pm on Tuesdays and Fridays, and 1pm to 7pm on Thursdays.

About Physiotherapy Associates
Physiotherapy Associates is the nation’s foremost provider of outpatient rehabilitation services. Physiotherapy Associates employs an industry-leading team of physical therapists and healthcare practitioners who are dedicated to high-quality patient care. The company provides physical therapy, industrial rehabilitation and orthotics and prosthetics services to millions of patients each year across the United States. With more than 650 clinics, Physiotherapy Associates is national in scope, local in care. For more information, visit www.physiocorp.com, follow us on Twitter (@physiocorp) or become a Physio fan on Facebook.

benchmark_physical_therapy

Media Contact
Jennifer Beresch
Marketing Project Manager
Physiotherapy Associates
610.884.4882

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