kabir | Shared With: Everyone - Jan 11 2006 | seattle, dessert, cakes, catering, food
Some dinner guests this weekend brought over a cake from this place ... its absolutely phenomenal - probably one of the best chocolate cakes ive had in the last 12-13 years. highly reccomended for any occasion.
Quoted: Affairs Cafe & Bakery offering a wide-range of services, from gourmet made-from-scratch desserts produced by our instore bakery to catering and wedding cakes, handmade chocolate truffles, and our full-service restaurant providing breakfast, lunch and dinners in a fine-dining cuisine
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This is a very interesting loan product from BECU and has the potential of being one of the best 1st time mortgages for buyers that qualify.
It is called the "Helper" (HLPR) loan. Basically, it's aimed at 1st time buyers buying their first home, but it should also be useful for people who have already sold their homes and are looking for another.
There are income restrictions, credit restrictions and other guidelines, but this particular HLPR product (there are several others, see BECU's site) purports to have an ARM rate that is about 1% lower than the "going" rate. Based on my experience, their fees are also lower than most of the major banks.
This type of loan is great for someone that is looking at short-term ownership of a property. I spoke with several industry pros and they all believe that BECU is probably not making any money - perhaps even losing money - on this loan, but may be using it to bring borrowers into other BECU products that may be profitable.
BECU has had a reputation of being difficult to work with in the past and very slow to respond. It seems that now, though, they've cleaned up their act. They've got 24-hour mortgage reps and a lot of the process has been stream-lined and placed online. This loan is not for everyone, though, and it may not apply to every purchase. In particular, borrowers may have difficulty obtaining loans on new or conversion condos that are not FNMA approved. I spoke with several BECU reps and their answers were all over the board about this.
More info on the site.
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My latest blog post...
4 FaversViewed: 6 TimesQuoted: If you think the title of this post sounds vaguely like the end of a game of Clue, well, you’re right. So why would I reference a murder mystery game when I’m writing about plum cobbler? Well, because I somehow managed to convince myself that the plums might kill me, obviously…
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