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Hello All,   The Italian budget vote passes, but the main concern is as to whether Berlesconi will be subject to a vote of confidence or will be subject to resign.  This next step may take days or even weeks, and if he were voted out the significance of change in the right direction may provide enough steam for the markets to rally.  Although the chances of this happening are very slim as he has lost majority in the lower house, but maintains majority in the Senate.  We will keep our eye on Italian bond yields as they’re teetering at 7%.    

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Lebanon County Parade of Homes and Mortgage Pre-Qualithon

Get pre-qualified at the “Mortgage Pre-Qualithon” at the Lebanon Co. Assn. of Realtors this Thursday or Sat. 

Dates:  4/19/12 from 6pm – 8pm and 4/21/12 from 10am – 12 Noon

Location:  989 Quentin Rd. Lebanon, PA 17042

Appointments preferred, but walk-ins are welcome. 

Go to and click on the Open House Parade tab to register or call 717.272.6126.

National Housing Survey

(We report on Fannie Mae’s Quarterly National Housing Survey every ninety days. Fannie Ma

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In a move to increase their financial standing (and to get the FHA back into required capital requirements), on Monday, HUD announced their anticipated increases in the premiums they charge borrowers. Simply stated, the cost of borrowing is going up.

FHA loans, by design, are more liberal in their underwriting guidelines than most conventional loan products (in terms of credit, income ratios, required investment from the borrower, and maximum loan amount). HUD is not a lender. Rather, it is a federally-insured insurance company. They insure lenders against default on loans underwritten in compliance with their published guidelines. It is because of this insurance that lenders approve and close loans with more liberal guidelines.

As an insurance company, HUD charges two types of premiums on the FHA mortgages:

• The UFMIP (Up Front Mortgage Insurance Premium) will be raised effective April 1, 2012 from its current 1% to 1.75%. One advantage to the UFMIP is the fact that it is typically built into the loan amount and does not require additional cash outlay at closing. H

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2705 TUNNEL HILL ROAD LEBANON , PA 17046

 Previously remodeled home, 3 bedrooms, 2 bath on nice landscaped lot. Beautiful views out back of rolling hills and in front Tunnel hill park. Cornwall Lebanon School and transferable home warranty.  MLS 190470 $159,900 Trulia =

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It’s the #1 question consumers have about their personal finances: How much do I need to retire? If you ask 10 different financial advisors this question, you’ll receive 10 different answers, only because the answer depends on many different variables. Putting the variables aside however, we’ve outlined a simple, but effective strategy to help ensure you’ll have enough to retire.

How Much Do You Need Save to Retire?

Many financial advisors agree with the 4% rule when estimating how much you’ll need to save to successfully retire. The 4% rule stipulates that you can withdraw 4% from your retirement portfolio the first year of your retirement and adjust your withdrawals annually based on inflation. The first step in knowing if you’ll have enough in retirement is to first answer how much money you’ll need or want to live off each year. Think of this as your salary you pay yourself in your retirement years (Most advisors recommend replacing 70-90% of your pre-retirement income in retirement). So the questi

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