Subject: Re: Questions
From: "Mike" <[email-masked]>
To: "McPike, Liberty" <[email-masked]>
Date: Thu, 12 Feb 2009 14:00:40 -0500

Another quick question.  Is there any way I can get a short term loan for 10K now and pay that off with the other loan when I get that?  I am hoping to get this as soon as possible.  Friday or Monday at the latest.  What do you think?
Thank you,
Michael Bishop
Labor Law Poster Service
Phone 877-321-4144
Fax 888-442-4144
[email-masked] 
  ----- Original Message ----- 
  From: McPike, Liberty 
  To: Mike 
  Sent: Thursday, February 12, 2009 1:22 PM
  Subject: RE: Questions

   The appraisal company will be calling you to schedule a time for them to come to your home.  If you have a number that is better for them to reach you at you can send it to me and I'll forward it to them.  The title work might take a week and a half and I ordered it yesterday.

  Once everything has come in that is when we can set up a closing date.

  I'm going to fax you that disclosure now, if you have any questions you can call my manager today @517-267-7268 (I will be out of the office for the rest of the day).

  Thank you.

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  From: Mike [mailto:[email-masked]] 
  Sent: Thursday, February 12, 2009 12:23 PM
  To: McPike, Liberty
  Subject: Re: Questions

  Yes (or email).  My fax number is 517-321-9441.  Do you know the when the appraisal company is going to be doing the appraisal and/or how long it will take to get the title work done?  I need to know basically when that money would be available to me.  And thank you for being so prompt in getting me responses.  Much appreciated!!!

  Thank you,
  Michael Bishop
  Labor Law Poster Service
  Phone 877-321-4144
  Fax 888-442-4144
  [email-masked] 

    ----- Original Message ----- 

    From: McPike, Liberty 

    To: Mike 

    Sent: Thursday, February 12, 2009 12:17 PM

    Subject: RE: Questions

    Can I fax the disclosure to you?  That way you and your wife can read it over and let me know of any question you may have.  Your application is in the system so I am just waiting for the title work and the appraisal company should be calling you to take care of that.  Once we have everything back we would just need to set up a closing date.  The payment and rate I quoted you will be different because it is a different product.

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    From: Mike [mailto:[email-masked]] 
    Sent: Thursday, February 12, 2009 11:45 AM
    To: McPike, Liberty
    Subject: Re: Questions

    Liberty,

    This sounds like a more viable option for us.  How does this work and what is the turn around time in which we can get this in place?

    Thank you,
    Michael Bishop
    Labor Law Poster Service
    Phone 877-321-4144
    Fax 888-442-4144
    [email-masked] 

      ----- Original Message ----- 

      From: McPike, Liberty 

      To: Mike 

      Sent: Thursday, February 12, 2009 11:29 AM

      Subject: RE: Questions

      I spoke with my manager about your e-mail you sent me this morning.  She said that what we would have close to what you are looking for is a Home Equity LOC (Visa Platinum).  It has a 10 year interest only term, 10 year draw period, and 4% rate (currently) that can adjust quarterly.  You would have to make a draw of at least $5,000.00 (which you will be doing by paying off Citimortgage).

      I have a disclosure I can send you or fax to you if you like so you can look it over and let me know if you have any more questions.

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      From: Mike [mailto:[email-masked]] 
      Sent: Thursday, February 12, 2009 9:24 AM
      To: McPike, Liberty
      Subject: Questions

      There are a couple of questions on the email.  For some reason it looks like they are showing up on the bottom of the reply.  That is strange because usually as you reply, it adds each message to the top of the email.  

      Anyway, I copied the questions and they are as follows:

      I have been given some options with Fifth Third and I want to see if any of that translates to terms available with NuUnion. 

      Is it possible to go with an interest only loan at a lower rate or maybe it could start out as an interest only and then go fixed as the rates possibly improve?  Or might there be an option of doing the same amount but pushing the term to 240 or 300 months. 

      Both of these scenarios have been offered to me but I would prefer to keep everything at NuUnion if possible.  Please let me know what additional possibilities may be available for me asap.

      Thank you,
      Michael Bishop
      Labor Law Poster Service
      Phone 877-321-4144
      Fax 888-442-4144
      [email-masked] 

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