1)	Additional Financial Services now being offered through my wealth management firm.  Call for more details or visit www.PlanCruzer.com.
2)	Now offering Banking Services with EverBank!  Yield Pledge promises the highest interest rates as compared to the top 5% of the nation's banking institutions.  Click banner for more information...
3)	Understanding HVCC, Click Me.
4)	Why refinance today... A couple of weeks ago I sent my clients some information regarding the benefits of refinancing at this time by comparing their current mortgage situation to today’s opportunities.  I pointed out that when rates make a big move lower (as they have already), they tend to not stay there for very long.  ou may be wondering how mortgage rates have managed to drop to these low levels.  Traditionally, it’s the trading of Mortgage-Backed Securities (MBS) in the financial markets that determines mortgage rates.  As the market’s appetite for MBS grows, demand increases forcing traders to buy these bonds at higher prices.  When bond prices go up, rates or yields go down.  Normally, you see US Treasury Securities  and MBS yields move is the same direction.  But since the beginning of the year, we’ve seen the US 10-yr Treasury Note go up in yield as the MBS yield (rate) has gone down.   Why is that?  Well, there’s a new MBS buyer in town!  It’s called the Federal Reserve (which by the way is not part of the Federal government and has no reserves).  The Fed has committed to purchase $1.25 trillion worth of MBS through the rest of the year in an effort to stimulate the economy with lower mortgage rates.  They figure that if we spend less on our mortgages, we’ll spend more on goods and services and support the real estate market at the same time.  $1.25 trillion is A LOT of money and has created demand in the MBS market, thereby increasing prices, and keeping mortgage rates low.   This intervention still has to battle the forces of the financial markets which have the natural tendency to push interest rates up; especially in an inflationary environment (do you think all the stimulus packages will create inflation in the future?).  My suggestion to you is to get your refinance in place now before the financial markets win the battle.