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In my research, I found that this might be helpful for some (including my own personal refinance). The catch is that the rate is a bit higher, it's only available in CA, OR, and WA, and the rate/LTV requirement varies by county. For example, in Orange County, CA, the rate as of 8/30/12 ranges from 4.375% with no points to 3.875 with 2 points for up to 90% LTV. The rate is .25% lower in LA county, and can be up to 95% LTV. Again, there is no PMI in either case.Economic Opportunity MortgageReview of EOM--------------------Economic Opportunity MortgageDesigned for low- to moderate-income households, or homeowners purchasing or refinancing a property in a qualifying census area, our Economic Opportunity Mortgage (EOM) helps make home ownership more affordable. With reduced interest rates and no points required, an EOM is a low-income home loan that provides lower monthly payments than traditional loan programs1 for eligible properties, including a:- Single-family residence
- Condominium
- One- to four-unit property
- Manufactured homeLower Up-front Costs and Loan-to-value RatioWith an EOM, you can:- Purchase a home and get up to 95 percent financing
- Refinance and get up to 95 percent financing with no cash out or up to 80 percent financing with cash out
- Save with a lower origination fee than traditional mortgages
- Avoid private mortgage insurance (PMI) requirements with a down payment as low as 5 percentLimited Credit History Considered
With Union Bank's low-income home loan programs, we consider your entire credit report, such as utility and rent payments, when making a decision on your loan.Do You Qualify?
You may qualify for the EOM program if you meet one of these two requirements:- Your property is located within a designated census area
- Your annual household income falls below 120 percent of the median income if the property is located within CA, below 120 percent in certain counties in OR and WA, or below 80 percent in the remaining counties in OR and WATo learn more about our EOM low-income home loan programs and other mortgage options
for first-time buyers, speak with a Union Bank Mortgage Consultant today.--------------------My personal situation is that I'm currently paying 6.125%, and am under water. My parents have offered to loan me money to buy my mortgage down to refinance. I like the idea of buying it down to 90% versus 80%, and therefore borrowing less money from them. I'd like to hear your thoughts, and hope there's more pros than cons and jokes.I'm very sorry if this has already been posted. I searched and couldn't find it.
Saltwater Sportsman - print subscription
Added on : Thursday August 30th 2012 02:00:36 PM
25% off Sitewide + Free Shipping at $75
GB2P8LM Kohls: Save 25% Off Sitewide! No Minimum Purchase Necessary. Plus Get Free Shipping Over $75. Expires 9/4/12 20% OFF SITEWIDE
Kohls: Save 20% Off Everything Sitewide At Kohls. No minimum purchase required. (ymmv on this code, not sure if it works or not) 15% OFF SITEWIDE
Kohls: Save 15% Off Your Entire Purchase Sitewide. Ends 9/3/12. PERK50SHIP Kohls: Enjoy Free Shipping on Your Next Order Over $50. Offer ends 9/3/12. www.kohls.comearn Kohls Cash to 9/3, redeem 9/4-16EARLY BIRD SALES2PM Friday to 1PM Sat online CT
Kohl's Coupons
WWII in Hi-Def [Blu-ray] - 4 Disc Set - $11.99 Shipped @ buy.com
Added on : Thursday August 30th 2012 02:00:08 PM
Save 65% on this WWII documentary 4 disc blu-ray set. Best price compared to others. Shipping is free. Another Choice: Available via 3rd party at Amazon link (limited supplies).LINKThe second world war comes roaring back to life in a 10-film, hi-def experience specially selected from the U.S. National Archives. Includes December 7th: Short Version (1943/34 min.), December 7th: Long Version (1943/82 min.), With the Marines at Tarawa (1944/40 min.), The Battle of Midway (1942/30 min.), Let There Be Light (1946/60 min.), Nuremberg (1946/80 min.) and four films with narration by Ronald Reagan: General MacArthur, General Eisenhower, General Bradley and General Patton (1963/89 min.). 4 Discs. Color-b&w/NR.Critic Review
An amazing collection of documentaries from the U.S. National Archives is featured on this superlative four disc set.
I am more than impressed with this new four disc set of WWII in Hi Def from Topics featuring a slew of documentaries culled from the National Archives. While there are a couple of niggling complaints I have no liner notes or insert booklet and packaging which stacks the four discs on a single spindle, as well as a very minor authoring error which will display Disc One as Disc Two and vice versa on your introductory PS3 screen if you use that system they pale when one considers the breadth and depth of material contained herein. Though you wouldn't know by the rather minimal listing on the back of the keepcase insert, this compilation includes several Oscar winners for Best Documentary, at least a couple of notably notorious releases (at least back in their day), and a who's who of (uncredited) Hollywood royalty in front of and behind the camera, people like John Ford, ...ault to the Dolby mix--when are distributors going to figure out most Blu-ray consumers want lossless audio and will choose that mix if given the choice?). For the most part all of these features sound good to very good, within the confines of early 1940s recording techniques. A couple of the features have fairly badly damaged audio, including Battle of Midway, which easily fares the worst sound wise among the ten features included here. The short form December 7 also has some audio damage. The rest of the features, while boxy and lacking either extreme highs or lows, feature decent to excellent fidelity, albeit with hiss and the occasional pop and crack. This is an astoundingly fine set from Topics, and kudos to the label and the producers who assembled this excellent collection of documentaries. Anyone with even a passing interest in World War II and the United States filmed history of it should have this set in their collections. Highly recommended. --Jeffrey Kauffman, Bluray.com
Buy.com Coupons
http://www.facebook.com/PetSmart/app_191610740856968exp 9-5direct link!http://petperks.petsmart.com/coupons/coupon.aspx?coupon=ScienceD...
PetSmart.com Coupons
Poetic BaseBook Leather Case for the Google Nexus 7 Android Tablet by Asus (3 yr warranty) $5.95 FS with primeAutomatically Wakes and Puts the Nexus 7 to Sleep
FREE Super Saver Shipping
http://www.amazon.com/Poetic-BaseBook-Automatically-Manufacturer...  BaseBook is a folder like case offering protection and simplicity for the Google Nexus 7 7-Inch Tablet. The faux leather exterior gives the BaseBook a sleek professional look and feel.
The interior of the case is lined with a soft microfiber like material guarding the Google Nexus 7 7-Inch Tablet's screen from dust and scratches
The front cover allows you to fold itself back into a self-made stand while the Google Nexus 7 7-Inch Tablet is in landscape mode
The back cover contains the framed pocket in which the Google Nexus 7 7-Inch Tablet slips into; the Google Nexus 7 7-Inch Tablet is then secured by a tab which tucks under the Google Nexus 7 7-Inch Tablet once it is securely placed into the pocket. The framed pocket fits snugly around the ipad while allowing unhindered access to ports, buttons, and speakers.
Made for the Google Nexus 7 7-Inch Tablet. Made by Poetic.
Amazon Coupons
Adobe Photoshop Lightroom 4 + Photoshop CS6 for Windows $389.90 BH
Added on : Thursday August 30th 2012 02:00:06 PM
Adobe Photoshop Lightroom 4 + Photoshop CS6 for WindowsIncludes Free: Kelby Training DVD: What's New in Adobe Photoshop CS6,Kelby Training DVD: Adobe Photoshop Lightroom 4 Crash Course ($94.98 Total Value) Price: $789.90
Instant Savings: -$400.00
Offer ends AUG 31 '12
B&H Photo & Video Coupons
Mohu Leaf HDTV Antenna - $26.99 - "Open Box" Sale w/FS
Added on : Thursday August 30th 2012 02:00:05 PM
http://store.gomohu.com/the-leaf-indoor-hdtv-antenna-open-box.ht...For regular purchases on their entire site, there's a 25% off coupon code: LaborDayMohu
Rockwell JawHorse RK9000 $133.62 @ Amazon
Added on : Thursday August 30th 2012 02:00:04 PM
Amazon has the Rockwell JawHorse RK9000 for $133.62.linkThis looks like the lowest price that it has ever been (according to camelcamelcamel).
OOS online, but shows available @ B&M LinkageRebate valid until 09/01 here.
Staples Coupons
79% Off an iHip NFL Slim Portable Speaker - $90 -> $19
iHip NFL Slim Portable Speaker Online Deal
Lightweight portable speaker branded with NFL team logo; remote control included
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Omaha Steaks Up to 65% Off Gourmet-Meat Package - $140 -> $55
Omaha Steaks Online Deal
Individually selected and vacuum-wrapped steaks, pork chops, chicken breasts, and hot dogs arrive in reusable dry-ice-packed containers
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55% Off Two NFL Vinyl Car Mats - $64 -> $29
Fan NFL Vinyl Car Mats Online Deal
Durable vinyl mats protect car floors in the front seat while advertising the logo of your favorite NFL team
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Up to 53% Off Vintage-Style Graphic Tees - $40 -> $19
The Original Retro Brand Apparel Online Deal
Specially designed dyeing and softening techniques lend a vintage feel to shirts with college, music, and sports graphics
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Up to 61% Off NCAA and NFL Flags and Memorabilia - $40 -> $19
Armstrong Flag Company Online Deal
Sports memorabilia printed with your favorite teams colors and logo, plus international and US-made American flags
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70% Off Two Portable Chairs - $30 -> $9
The Amazing Pocket Chair Online Deal
The portable chair opens easily, folds down to pocket size, and holds up to 250 pounds
View Deal54% Off a Sports-Team Rug from My Sports Rug - $150 -> $69
My Sports Rug Online Deal
A 10-year warranty backs all size Stainmaster nylon rugs that proudly display NFL, NHL, NBA, MLB, and college team logos
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Half Off Sport Wall Graphics from Fathead - $50 -> $25
Fathead Online Deal
High-definition, high-grade vinyl likenesses of team logos or favorite players adhere to walls with repositionable low-tack adhesive
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Up to 44% Off GrillGrates with The Grate Tool - $69 -> $44
GrillGrates with The Grate Tool Online Deal
Raised rails make for even cooking, perfect sear marks, less fat, and resteaming juices for healthier, tastier grilling
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Up to 37% Off Cuisinart Tabletop Grill - $120 -> $85
Cuisinart Tabletop Grill Online Deal
Cuisinart's tabletop gas and electric grills boast 145 square inches of grilling space and fold for easy toting and storage
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41% Off a Custom Apron from Zazzle.com - $25 -> $15
Custom Standard Apron from Zazzle.com Online Deal
Aprons emblazoned with choice of custom text and photos or thousands of original designs from Zazzle artists
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Half Off from Cornhole.com - $36 -> $18
Cornhole.com Online Deal
Cornhole.com ships out duck-cloth bags filled with whole kernel corn, as well as a durable woven tote bags
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51% Off Home-Brewing Equipment and Recipes - $120 -> $59
Beer & Wine Hobby Online Deal
Variety of home-brewing essentials, including fermenting equipment, recipe kits, and complete brewing packages
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52% Off a Turfer Waterproof Tailgate Blanket - $25 -> $12
Turfer Waterproof Tailgate Blanket Online Deal
A polyester waterproof tailgate and picnic blanket shields alfresco diners from ground-dwelling elements and cleans in the washing machine
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$79 for a College-Football-Stadium Print - $229 -> $79
College-Football-Stadium Print Online Deal
Vibrant prints of famous University gridirons stretched across a 26"x40"x1.5" canvas
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52% Off an NFL Baby Essentials Gift Set - $25 -> $12
NFL Baby Essentials Gift Set Online Deal
100% cotton bib pairs with BPA- and phthalate-free bottles and pacifiers to accessorize fans aged 3 months and older
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BB - Toshiba - Smart Wi-Fi Ready Blu-ray Player $59.99
Added on : Thursday August 30th 2012 02:00:02 PM
Model: BDX2300
http://www.bestbuy.com/site/Toshiba+-+Smart+Wi-Fi+Ready+Blu-ray+Player/5215183.p?id=1218712346741&skuId=5215183&st=toshiba BD&cp=1&lp=1
Doh! Auto Insurance Autopay put me over CL - what to do?
Added on : Thursday August 30th 2012 01:00:49 PM
I recently took out a BT on a Citi Card I rarely use. Two weeks later I see a new charge from Esurance and realize I used it for my stepson's auto insurance premium and either forgot or didn't realize it was set to autopay. So I currently have a statement closing date of 9/7/12 and available CL of -$265. My payment due date is 9/3 and no payment is due. I e-mailed Esurance (as him since he is in the Navy) to say I was cancelling the policy effective 9/24 (when it is set to renew) and asking for the premium to be refunded to the credit card it was charged to. So as I see it for damage control I need to have the premium credited by the closing date or make a payment to either pay the insurance premium or the overlimit amount before the statement closing date.If I don't see a credit in the next few days can I dispute the charge and say the policy was cancelled? Not volunteering that it was cancelled after the charge posted but there is actually no auto insurance premium due at this time. I figured Esurance would have no reason to dispute it since I told them I am cancelling the policy (which I actually want to do since the title will be transferred before that date).Any suggestion greatly appreciated.
1 year subscription to Whole Living magazine - RewardsGold
Added on : Thursday August 30th 2012 01:00:34 PM
Whole Living is hardly ever on the boards for long. Just checked my twitter feed and there it was. This is a Martha mag! Yay!Link
Dockers - Labor Day special - upto 30% off plus free ship
Added on : Thursday August 30th 2012 01:00:07 PM
http://www.dockers.comTake 25% off when you spend $100 or more; Take 30% off when you spend $150 or more. Enter promo code LABORDAY at checkout to apply discount to your order. You are also eligible for Free Ground Shipping on all orders over $100. Offer ends on 9/3/12 at 11:59 pm PST. NOTE: You must select the Standard Ground Shipping option to receive the discount. Otherwise, the full shipping charge will be applied. Please also note that this offer is only valid for orders shipped within the continental U.S.
Dockers Store Coupons