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United States
Maher Muhawieh is a self-made entrepreneur, born and raised in the San Francisco bay area. He got BS and MBA in Finance from University of San Francisco. Muhawieh has multiple business interests within the city of San Francisco in retail and hospitality industries.
The 15-year fixed mortgage rates this week were the lowest since Freddie Mac began the weekly Primary Market Mortgage Survey in 1991. The 15-year fixed mortgage interest rate averaged 4.32 percent for .6 point. Last week's average was 4.36 percent.

In addition, the 30-year fixed mortgage rates are nearing record breaking lows, averaging 4.83 percent with .7 point. This is down from last week's average of 4.91 percent. These mortgage interest rates are for the week ending November 19, 2009.

Compare Mortgage Interest Rates with Last Year's Rates
Mortgage rates have been on a decline, and are significantly lower than last year's low mortgage interest rates. Last year at this time, the 15-year fixed mortgage rate averaged 5.73 percent, which is 1.4 percent higher than this year's rate of 4.32 percent.

The 30-year fixed mortgage rates averaged 6.04 percent last year at this time, which is 1.2 percent higher than this year's low mortgage interest rate of 4.83 percent.

Best Interest Rates in History Continue to Decline
Mortgage interest rates have been on a decline for quite some time. In addition, the federal government has committed to keeping low interest rates, based on recent statements by Federal Reserve Chairman Ben Bernanke.

Again, the 15-year fixed mortgage interest rates are the best interest rates in the history of the Freddie Mac survey. The fixed mortgage rates on 30-year loans fell for the third week in a row. The mortgage interest rate for a 30-year fixed mortgage rate was the lowest since the week ending May 21st.

Low Mortgage Interest Rates Stimulate Loan Activity
The volume of applications for U.S. mortgages increased last week due to these low interest rates. These best interest rates in history are also contributing to an increased number of home sales. In addition to low mortgage interest rates, the housing market has been helped recently by low housing prices and recently extended homebuyer tax credits.

For a list of the most curent rates please go to:


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mahermuhawieh Featured By Owner Jul 1, 2010
Coaching & Mentoring Programs...
What You Need to Ask Before Joining
by Bill Bronchick :
So you've decided to take your business to the next level by joining a coaching or mentoring program with a real estate guru. Having mentored people for over 10 years, I have a few suggestions on what you should ask before joining any coaching program.

1. Are you coaching with the guru himself, or is the program farmed out to someone out of Utah?

Believe it or not, many gurus just license their name to a company out of Utah who then markets to customers and fulfills the coaching program. There is no direct contact at all with the named guru. There's nothing wrong with a guru having assistant coaches, so long as you get to reach the head guru himself or herself if there's an issue.

2. Are you getting contract, forms, and materials appropriate for your state?

If the guru in question does not do business in your state, does he give you forms and contracts appropriate for your state or do you have to still visit with a local attorney? This is not a deal killer, but it would help if the guru is familiar with the laws and practices in your state.

3. Do you have to make an appointment to speak with your coach or is it pretty much "on demand"?

You can't expect to call your coach at 9pm on a Saturday evening and get her on the phone, but you should be able to call during business hours and get a response, email or a call back within 24 hours. Some coaching programs require you to make an appointment to speak with your coach, which may be cumbersome if you need an answer right away.

4. What is the response rate of your coach?

Does your coach email you back right away or does it take days?

5. How many deals has your coach personally done, and is he currently active?

See if your coach can put his money where his mouth is. Is he or she actually doing deals or is just reading out of a coaching manual?

6. Can you get referrals of people who are currently in the program or have graduated?

If they respond with "customer privacy" concerns, then it's B.S. They should have people who are happy with the program and willing to share that with others.

7. Do they have a good rating with the Better Business Bureau?

Are they even a member? Small time coaching programs may not have any complaints, but bigger ones will certainly have complaints. The BBB score is based not on the number of complaints but on how fast they RESOLVE complaints.

8. Do you have to pay all up front or is there a payment plan available?

Some coaching programs are all up front, some offer financing or monthly payments. Ask.

9. Do you have to share your profits with your coach or mentor?

Believe it or not, some coaching programs require you to share your profits with the mentor. Not acceptable!

10. Is the program customized to the student?

Many of the bigger programs are cookie-cutter and take the student through the same program, no matter what their particular needs are or what their experience is. Not good! A coaching program should be tailored to where the student is coming from. An advanced person does not need the same coaching as a beginner.
mahermuhawieh Featured By Owner Jun 17, 2010
7 Reasons to Use Land Trusts
by William Bronchick, Esq.

The land trust is a very powerful tool for the savvy real estate investor. A land trust is a revocable, living trust used specifically for holding title to real estate. Each property is titled in a separate trust, affording maximum privacy and protection.