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Saturday, September 26, 2009

BANK OF AMERICA




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Banc of America Investment Services, Inc

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Banc of America Investment Services, Inc. is a registered broker-dealer, member FINRA and SIPC , and a nonbank subsidiary of Bank of America, N.A.
U.S. Trust, Bank of America Private Wealth Management operates through Bank of America, N.A. and other subsidiaries of Bank of America Corporation.
Banc of America Investment Services, Inc., which sells funds from Columbia Management and other fund families, is an affiliate of Columbia Management, the investment management division of Bank of America Corporation. These entities and certain of their affiliates receive compensation for the investment advisory, distribution, administration, shareholder servicing, transfer agency and brokerage services they provide to the Columbia Funds and may be compensated in connection with the sale of these funds.
Columbia Management Group, LLC ("Columbia Management") is the investment and management division of Bank of America Corporation. Columbia Management entities furnish investment management services and products for institutional and individual investors. Columbia Funds are distributed by Columbia Management Distributors, Inc. member FINRA and SIPC . Columbia Management Distributors, Inc. is part of Columbia Management and an affiliate of Bank of America Corporation.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Contact Columbia Management for a mutual fund prospectus or 529 plan's official statement, which provides this and other important information. The prospectus or official statement should be read carefully before investing.
1This offer and investment products provided by Banc of America Investment Services, Inc.® Banking products provided by Bank of America, N.A., Member FDIC
Offer available with an individual or joint Banc of America Investment Services, Inc. (BAI) Self-Directed Brokerage account. If you have a combined total of $25,000 or more in your deposit accounts at Bank of America N.A., BAI waives its commission fee for as many as 30 online equity trades each month. When you make an online equity trade, BAI determines whether you meet the balance requirement to qualify that trade for the commission fee waiver. BAI adds the average collected balances in your checking and savings accounts as of the prior month to the balances in your CD and FDIC-insured IRA accounts as of the prior business day. If this calculation reflects a combined total of less than $25,000, BAI then makes a second calculation to see if the trade qualifies by adding the balances in your checking, savings, CD and FDIC-insured IRA accounts as of the prior business day. Offer applies only to online equity trades, including stock and exchange traded fund (ETF) trades. Standard commission fees for online equity trades range from $5 to $14 depending on your relationship with Bank of America and apply when the balance requirement is not met, or when you exceed 30 qualifying trades.
To determine the 30 trade limit, BAI adds the qualifying trades in your individual accounts and in each joint account for which you are the primary account owner. Deposit accounts with the same social security number as the social security number(s) on the Self-Directed Brokerage account are systematically included in the balance determination. Deposit accounts maintained with the Military Bank of Bank of America, N.A. are not systematically included in the balance determination.
Other standard brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, account maintenance, research request, termination and IRA custodial accounts apply. Standard deposit fees apply to deposit accounts.
Relationship requirements and pricing are subject to change. Offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at BAI. See www.bankofamerica.com/invest for more details including the restrictions and exclusions associated with the offer and for information about BAI's standard brokerage fees.
U.S. Trust, Bank of America Private Wealth Management clients are automatically eligible for this 30 trade offer.
2In ID and WA states there are service differences, including an inability to single sign-in to Online Banking and Online Investing and transfer money between your accounts.
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Auto Loans from Bank of America



Auto Loans from Bank of America
Great fixed rates on new, used and refinanced auto loans– only $332 a month for a $25,000 new car1
Expansive network of Bank of America preferred dealers
Wide selection of auto loan types, including dealer purchase, private party purchase, refinance and lease buyout
Apply today, drive tomorrow
Easy, secure, two-step application– it takes just minutes
Quick access to funds in as little as 24 hours
Special discounts for current eligible Bank of America customers
Loan and rate approvals good for 30 days
Dedicated customer service representatives standing by

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Mortgages



Mortgage Options
Examine mortgage options from Bank of America and find the one that's right for you. Whether you're buying your first house, or you're a seasoned homeowner we offer mortgage loans to fit your needs. Prequalify online today and enjoy:
Custom rates and pricing
Expert advice to complete your application
A quick, simple online process No matter what kind of mortgage you're interested in, you'll enjoy expert home-buying advice from the bank you trust, Bank of America. Let us help you find the right mortgage today.
prequalify now or Call 1.888.293.0264

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Wednesday, September 16, 2009

FHA and VA Loans

FHA and VA loans are typically 30 year, fixed rate loans (adjustable rates may be available) which are insured by our federal government. Because these loans feature government insurance, they offer qualifying guidelines and special features that may not be found in other conventional products. Credit requirements and qualifying guidelines are typically easier to meet than conventional loans and there are no pre-payment penalties. FHA loans can even be assumed by qualified buyers.

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Stated Income Loans

Many people would prefer to not disclose thier income. We have programs that allow borrowers to buy homes without disclosing private and complex financial information. There are certain down payment and credit scoring guidelines that will apply.http://www.homeloan.com/rates.asp

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Whether You are looking to Buy, Refinance, or use the Equity in Your Home we make it Easy! http://www.homeloan.com/

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