Heath Lefort is a Personal Financial Advisor & Economist. Heath Lefort formally from Fleet Boston Financial now Bank of America running their mortgage operation from 1995-2002 has 13yrs of overall experience in mortgage banking. Heath Lefort has a BA in Finance and Economics from St. John's University, Queens NY.  Heath, now at Fairway Independent educates his clients on how mortgage debt truly works within the clients personal balance sheet and in the United States financial system. Heath will teach how strong savings/asset disciplines can ultimately outpace the mortgage debt allowing his clients to build wealth over their full life. Heath finds it important to educate his clients on how the Federal Reserve Bank originated and operates today.  Heath also finds it critical to know what is happening in the Treasury Department  and the Federal Trade Commission during these economic times.  All my clients should visit the above links and become more educated today! Home Affordable Refinance (Scroll on link) Released on April 4, 2009!  Refinance your home up to 105% LTV Flexible MI options! Primary Home 1-4 Units Second Home Investment Property Please call or e-mail me at hlefort28@alternativelendinggroup.com to receive detailed documentation for the above program along with the Modification Refinance Program! (Scroll on Link!)   Homebuyer Tax Credit – The bill provides for a $8,000 tax credit that would be available to first-time home buyers for the purchase of a principal residence on or after January 1, 2009 and before December 1, 2009. The credit does not require repayment. Most of the mechanics of the credit will be the same as under the 2008 rules: the credit will be claimed on a tax return to reduce the purchaser's income tax liability. If any credit amount remains unused, then the unused amount will be refunded as a check to the purchaser. Get your $8,000 check from the IRS in 45 days after you close! Heath Lefort & his CPA will get a check in your hands right away! Call me TODAY!  The Basics> Chart Highlighting the Major Modifications to the First-Time Homebuyer Tax Credit> (PDF: 309K) Frequently Asked Questions> (PDF: 483K) NAR's Presentation: The 2009 First-Time Homebuyer Tax Credit (PDF: 319K)   Heath is now offering a FREE interest rate reduction with NO CLOSING COSTS! (We beat the large banks and mortgage broker's) FHA STREAMLINE WITH NO CLOSING COSTS!NO APPRAISAL, NO INCOME, NO ASSET Verification  & NO Credit Score NEEDED!* Heath is NOW offering buyer representation in today's complex real estate market! See the "buyer representation" button on the left of the website to learn more about this great offer! Heath Lefort specializes in Personal Financial Services which include: Credit Repair, Personal Mortgage Consulting for Conventional, Non-Conventional, FHA (103% financing), VA (100% financing), and Commercial financing. We also offer Insurance products, Tax Preparation, Car loans, personal loans, and College tuition savings programs with our affinity partners.   Heath Lefort specializes in the FHA and VA product allowing his clients to receive better rates than the Subprime product offering! Heath Lefort and Fairway Independent are a Direct Endorsement (DE) FHA Lender ! (Check's Heath Lefort's BIO @ the "Staff Profile" button) Heath Lefort has evaluated 251,829 transactions in his 13yrs. Fairway Independent Mortgage is one of the largest Correspondents Lenders in the country and can offer better rates and programs than banks because we do not hedge our interest rates before giving the rate to the client! We work with investors directly from Wall Street! Check out our rates by going to the rate button on the top of the website!   Mortgage or rental late payments Open collections, judgments or tax liens Late payments on revolving or installment debt Recent bankruptcy or foreclosure High debt ratios Had a setback? Looking to reestablish your credit? Alternative Lending Group can help you restore your credit in less than 45 days!  Heath Lefort is a credit expert in his industry.  We lend in ALL STATES except: Delaware, D.C., Hawaii, Kentucky, Nevada, New Jersey, North Dakota, Vermont, and West Virginia. Alternative Income products include: Commercial Financing: Apartment, SBA, Mixed Use, Investment Properties, Land, Construction, Bridge, and much more!! Call TOLL FREE 1-800-900-1241 ext. 0 ; 401-461-9987 or apply online @ www.alternativelendinggroup.com.          Equal Housing Lender                            Direct Endorsed FHA and VA Lender -Alternative Lending Alternative Lending Alaska, AL-License No. MC4965, MC 15079 Arizona- BK0904162. BKBR103478, BKBR104926, BKBR105157, BKBR106503, BKBR107440, BKBR107913, BKBR108717, BKBR108863, BKBR108953, BKBR109125, BKBR110456, BKBR110660, BKBR111466, BKBR112484 AR-Mortgage Banker/Broker No. 11148, 14535, 21372, 24899, 31117, 33349, 36151 California-Department of Real Estate License No. 01391174 Colorodo-Supervised Lender License No. 989412, 989412-001, 989412-002, 989412-003 CT-First Mortgage Lender/Broker Lic. No. 16122, d/b/a Fairway New England Mortgage CT-Second Mortgage Lender/Broker Lic. No. 18257, d/b/a Fairway New England Mortgage DE-Licensed Lender, Lic. No. 010094, 010096, 010095 District Of Columbia, Washington D.C.- Mortgage Lender/Broker Lic. No. MLB 6689, MLB 6690 Florida-Corporate License No. ML0700792, MLB0701694, MLB0703868, MLB0703781, MLB0703459, MLB0701681, MLB0701682, MLB0701683, MLB0701684, MLB0701685, MLB0701686, MLB0701687, MLB0701688, MLB0701689, MLB0701690, MLB0701691, MLB0701692, MLB0701693 Georgia-Mortgage Lender License No. 21158 IA- Mortgage Banker-Fairway Independent Mortgage Corporation, No. 2002-0130 Indiana-Mortgage Lender License No. 2137, 2183, 5651 Indiana-Regulated Lender License No. RMD-436, RMD-6234 IL**-Corp. 0005175 Residential Mortgage License No. 5475-002, 5475-003, 5475-005, 5475-006 IN-Exempt under HUD KS-Mortgage Company License No. 2005-4939 LA-Mortgage Lender License No. RML957 MA-Mortgage Lender and Mortgage Broker Lic. No. MC2839, MC4518, MC2840, MC4293, d/b/a Fairway New England Mortgage MD- Mortgage Lender License No. 10402 Maine-Supervised Lender License No. SLM7824, SLB 7825, d/b/a Fairway New England Mortgage Michigan- Mortgage Lender/Broker &Secondary mortgage lender license No. FL 1614 (1st), SR0984 (2nd) MN-Residential Mortgage Originator No. 201 831 36 MO-Exempt MS-Registration Certificate No. 352/2006, 35/2006, 36/2006, 37/2006, 38/2006 MT-Mortgage Broker License No. 000300 NE- Licensed Mortgage Banker No. 131 NC-Mortgage Lender License No. L-133353, L-133353-102, L-133353-103 NH-Mortgage Banker License No. 11629-MB, d/b/a F N E Mortgage NM-Registration Certificate No. 00785 NY - Mortgage Banker License Number - LMBC No.105982, LMBC No.106272 OH-Mortgage Broker License No. MB.802711.000 OK-Supervised Lender License No. SL006689, SL006690, SL006691 OR-Mortgage Lender License No. ML-3791 PA- Mortgage Lender License and Secondary Mortgage Lender License No. 15676 (1st), 16204 (2nd) RI-Loan Broker License No. 20052005LB, 20052005LB B01, Licensed Lender License No. 20052004LL, 20052004LL B01, d/b/a Fairway New England Mortgage SD- Mortgage Lender License No. 4400 TN- Certificate of Registration No. 971 TX - Texas Mortgage Banker Registration #74256 UT-Licensed Mortgage Broker License No. MLCO-5505720 MB00-6064816, MB00-6260694 UT- Consumer Credit License VA- Mortgage Lender/Broker License No. MLB-1306 WA- Master Business License No. 602 553 810 1, Mortgage Broker License No. 510-MB-28724, 510-MB-28724-28727, 510-MB-28724-30333, 510-MB-28724-30445 WI- Mortgage Banker License No. 279 WI-Loan Company License No. 2304, 2305 WY- Residential Mortgage Lender License No. 138, 1291