Justin Messer - Northstar Mortgage Group

Happy New Year Peachtree City!  2009 proposes to be a year full of change and promise.  For some those changes will include the decision to buy that new home.  If that’s you, right now rates are at an all time low and this is truly a buyers market.  Of course, it you are looking to buy or sell your next new home, I hope you call me…but where are you in regards to considerations on financing that home?  Looking for a seasoned mortgage professional?  Peachtree City did you know that you had a savvy young mortgage professional right here in your own backyard?  Well you do!

Justin Messer,  an Auburn University Alumni is an experienced  mortgage professional with the Northstar Mortgage Group located right here in Peachtree City.  Justin is a home-grown resident who knows and loves this fabulous family oriented community.  I recently had lunch with Justin and we had the opportunity to discuss 2008, real estate, market trends, rates, programs, and the Peachtree community.  Justin proved to be a cornucopia of knowledge.  He had vast subject mater expertise on the mortgage industry, is well-grounded, family-oriented and seems to always be looking for options and opportunities to expand his expertise and business acumen.

I wouldn’t be surprised if you’ve recently sat by Justin at a local sporting event, maybe shared a fishing spot at a local pond, or even saw him hitting a couple of balls on some weekend at golf course.

One major thing I did notice about Justin was the XINNIX XCO Certification.  This is one of the most respected designations in the mortgage business.  it means that the loan officer has the 4 principals of success; Knowledge, Skills, Discipline, and Ethics.  Less than 1/2 of 1% of all loan officers have this designation.   Justin has completed over 400 hours of course study, 100 courses covering the mortgage industry and extensive product training.  He also had to pass an 8 hour certification exam!  Justin feels that it is not only critical to deal with folks that you can trust but you must be assured that you are working with a professional that also has the ability and knowledge to put you in the right financial vehicle and provide exceptional customer service. 

By the way, Northstar offers all the programs and rates of just about all the big named lenders.  Northstar is also extremely competitive with interest rates and closing costs.  They underwrite the majority of their loans making the process quick and easy.  Here are a few of their Special Programs:

FHA Financing (Down payment changes from 3% to 3.5% January 1, 2009)

1.       203b

2.       203k with financed cost for repairs

3.       203b $100 down payment HUD repos (100% financing on HUD owned homes)

USDA Rural Housing

1.       100% financing for rural properties

a.       Finance up 102% of appraised value

b.      620+ credit scores approved, 620 or less is still allowed

c.       Finance all the closing cost and funding fee

d.      Current rates are at 5%

e.      NO MORTGAGE INSURANCE

f.        Primary Residences only

g.       Many other great attributes

Conventional Financing

1.       Tons of lenders with all programs and rates

2.       Float down option with locks of up to 240 days

JUMBO Financing

1.       5 year ARMs at 5.375%

2.       7 year ARMs at 5.5%

3.       No asset verification

4.       No Escrows

5.       Continuous Float Down up until 3 day before closing

Justin stated that he felt fortunate to work with Northstar Mortgage Group and valued such an amazing team and family.  Speaking of family, I was wondering if 2009 could be the year for Justin and fiancee Nichole. She is also a Auburn alumni and currently working as a labor and delivery nurse at Crawford Long Hospital in Atlanta.  I’d say you were in great hands Justin!

You can contact Justin with any questions regarding mortgage financing, real estate, real estate agent referral, insurance agent referral, or any general questions concerning home ownership at 770-631-5750 or email him at justinmesser@northstarmg.com. 

You can also visit his website at www.justinmesser.com.