When you close on your new Wells Fargo home mortgage, you can select a free closing gift worth $150 when you complete both of the following:

1. You must open a new checking account prior to closing or have an existing Wells Fargo or Wachovia checking account.

2. You must enroll in the free automatic payment option for your mortgage (within 30 days of closing) to match your pay schedule with your budget.

Check out this $150 Wells Fargo Home Mortgage Bonus for more information about this Homeowner Relationship Rewards promotion.

If you plan on getting a home mortgage from Wells Fargo, take advantage of this offer to earn an extra $150 reward with a checking account.

Review these other Home Loan Promotions for more mortgage special offers.

Get a $150 checking account bonus with this Wells Fargo mortgage promotion.

American Airlines AAdvantage members can earn 1,000 AAdvantage miles for every $10,000 of loan amount financed after closing on a new purchase or refinance with Wells Fargo Home Mortgage.

Your loan must originate and close through 1-866-324-8127 to be eligible for AAdvantage miles.

Check out this Wells Fargo Home Mortgage AAdvantage Miles Bonus offer for more details on getting a home mortgage through Wells Fargo.

Wells Fargo AAdvantage Miles Bonus Home Mortgage Promotion

The American Airlines AAdvantage Mileage program is effective only on loans originated and closed through 1-866-324-8127.

To be eligible for AAdvantage miles, you must state your intention of applying through the American Airlines AAdvantage Mileage promotion and request to earn miles at the time of application.

Wells Fargo Home Mortgage requires your AAdvantage number in its system at application.

This program is not retroactive, so if the AAdvantage number is not provided at application, AAdvantage miles will not be awarded.

For new home equity transactions, AAdvantage miles are based only on the initial amount advanced on the closing date (funding may occur upon expiration of any applicable rescission period), not on the total line of credit amount (unless fully advanced on the closing date) or on future advances.

The American Airlines AAdvantage Mileage program cannot be combined with any existing Wells Fargo Home Mortgage promotions, including the Wells Fargo Three-Step Refinance SYSTEM.

This offer is not available on assumption or modification loans, loans or home equity loans, or lines of credit originated through any Wells Fargo retail branches, brokers, joint ventures, or other third parties.

AAdvantage miles will post to your account within 6 weeks after your funding date.

Take advantage of this American Airlines miles bonus offer when you get your home mortgage through Wells Fargo.

You may also be interested in getting Free Home Loan Quotes from LendingTree.

Apply for your Wells Fargo Home Mortgage AAdvantage miles today.

After you close on a home mortgage with Wells Fargo, you can select a free closing gift worth $150 when you complete both of the following:

1. Open a new checking account prior to closing or have an existing Wells Fargo or Wachovia checking account.

2. Enroll in the Wells Fargo free automatic payment option for your mortgage within 30 days of closing.

Check out this Wells Fargo Home Mortgage $150 Checking Account Bonus for more details.

You can also get access to over $2,000 in home-related discounts from a variety of retailers when you schedule a free financial review with a banker.

Review these additional Home Mortgage Promotions for more home loan deals.

Take advantage of this $150 checking account gift promotion if you plan to get your home mortgage from Wells Fargo.

You’ll get a Bank of America mortgage principal reduction of $25 per month for 12 months, which is equal to $300 in total off your home mortgage from Bank of America.

Just open a new Bank of America checking account with the Bank of America promotional code CH300EM10.

You must link your new Bank of America checking account to your existing mortgage.

You also must make your mortgage payment from the new checking account each month to receive the bonus.

The bonus payments will be reflected on your mortgage statement within 60 days.

Just make sure you enter the Bank of America promo code CH300EM10 when signing up for your new checking account.

Check out this Bank of America $300 mortgage discount promotion at SlickDeals.net, where it was posted by member NGrim23.

Bank of America Mortgage Promotion Details

The special offer is for Bank of America mortgage customers only who open a checking account with code CH300EM10.

This offer is available to existing Bank of America mortgage customers whose accounts are open and in good standing and who do not currently have a personal checking account with Bank of America.

This is a limited time offer that is available only for accounts opened online with offer code CH300EM10.

This offer expires December 4, 2010, but this offer may be withdrawn or modified at any time without notice.

To be eligible, you must become a new checking customer by opening a personal checking account online and timely pay your mortgage payment in full online each month for the next 12 consecutive months from your new checking account.

Qualified online payment methods include Bill Pay, Transfers (1-time or recurring), and Pay By Phone.

For each month you satisfy the preceding mortgage payment requirement, you will receive a $25 credit which will be applied to reduce the principal balance due on your mortgage.

The $25 credit will appear in your mortgage account within 60 days after the date you pay your mortgage payment in full online from your new checking account, and if Bank of America is unable to apply the credit, a check will be issued.

The $25 credit is only available for each of the first 12 months in which your new checking account remains open, with a maximum potential overall credit of up to $300 ($25 x 12 months).

After the 12 months expire, you are no longer eligible to earn any further $25 credits.

Take advantage of this Bank of America mortgage bonus offer to save $300 off your principal balance when you open a new Bank of America checking account.

Check out these additional Bank of America Promotional Offers for more banking bonuses from Bank of America.

Sign up for your Bank of America checking account online today to save $300 off your Bank of America home mortgage.

This PNC mortgage offer is valid for residents of DC, DE, FL, IL, IN, KY, MD, MI, MO, NJ, OH, PA, VA, and WI.

You’ll get a $50 document award for submitting all supporting documents within 3 days of your mortgage application.

Plus, the close date guarantee ensures that PNC Bank will close your loan on or before the contract closing date, or they’ll give you $500.

Check out these PNC Bank Mortgage Promotions to save on mortgages with PNC Bank.

PNC Bank $50 Document Award

Application Process Preparation – At application, PNC Mortgage will review your documents and discuss any additional ones that may be missing. PNC Mortgage requires that the missing documents be provided within 3 days.

Additional Documentation – If PNC Mortgage’s underwriters request additional documentation in order to approve your loan, the missing information is required within 5 days of the request.

Tying Up Loose Ends – If there are any additional documents needed to finalize the process when your loan is approved, the missing documents are required within 3 days of receiving your loan commitment letter.

PNC Bank $500 Close Date Guarantee

For Conventional purchase transactions, the earliest Guarantee Date is the contract closing date, not to be less than 22 days from application.

For Government-FHA purchase transactions, the earliest Guarantee Date is the contract closing date, not to be less than 30 days from application.

For Government-VA purchase transactions, the earliest Guarantee Date is the contract closing date, not to be less than 45 days from application.

For Conventional and Government (FHA/VA) refinance transactions, the earliest Guarantee Date is the interest rate lock expiration date, or a minimum of 45 days from application.

Note: a “pre-lock” does not qualify as the interest rate lock date for the Closing Date Guarantee Program.

For refinance transactions, PNC Mortgage will pay you $500 if we do not disburse the funds for your mortgage by your rate lock expiration date.

The Guarantee is valid if:

The borrower provides PNC Mortgage with a copy of the original purchase contract that specifies a closing date and provides all required documentation within 3 days of submitting a complete loan application.

The borrower provides PNC Mortgage with any additional required information/documentation within the time frame indicated on any Notice of Incompleteness or Commitment Letter.

The borrower locks the interest rate on the loan and completes all loan requirements and conditions, including payment of all Advance Fees (credit report and appraisal fees) at least 10 days prior to the contract closing date and the loan closes and funds with PNC Bank.

For purchase loans, the Guarantee includes only transactions that have a written contract between a buyer and seller for the purchase of residential real estate consisting of a 1-to-4 family unit dwelling (including condominiums).

If the property is a foreclosure, then the seller’s written approval must be executed prior to taking the application.

For short sales, the lender(s) need to provide written approval of the short payoff(s) at time of application.

Should you qualify to receive a $500 payment due to a missed closing date, and PNC Mortgage does not close your loan, you will still receive the $500.

Should you qualify to receive a $500 payment, the check will be mailed to your home address within 10 days of your closing date.

Any Guarantee payment we make may be reported to the IRS on a Form 1099-MISC.

Exclusions and Limitations:

Products, loans and transactions that are excluded from this Guarantee include: Home Equity Line of Credit; FHA 203k; Rural Housing; Housing Finance Bonds; Grants; down payment assistance programs; State or Local tax credits; Reverse Mortgages; or loans that require subordination of a second lien.

The Guarantee is not valid if:

The borrower changes loan products or terms.

Applicable law or investor requirements impose a required waiting period prior to closing and that waiting period prohibits PNC Bank from closing by your contract closing date.

The closing is delayed due to borrower’s actions, omissions or delays, or is due to those of an unaffiliated third party.

The closing is delayed due to the seller’s failure to close by the contract closing date or to perform as required under the contract or to satisfy conditions of the loan approval.

The borrower does not specify a closing date in the original purchase contract (except contracts for new construction).

Closing is not able to occur due to inclement weather, a natural disaster, catastrophic event or other general public emergency beyond PNC Mortgage’s control.

The borrower’s application or loan documentation contains fraudulent information or material misrepresentations.

The Guarantee is not assignable or transferrable and PNC Bank reserves the right to withdraw, terminate, or amend this Guarantee at any time without notice except for eligible purchase or refinance transactions submitted prior to PNC’s withdrawal, termination or amendment.

Take advantage of this PNC Bank mortgage promotional offer to get $50 cash back for your application and a $500 closing date guarantee.

Review this $100 PNC Bank Checking Account Bonus as well to get a $100 cash reward when you open a PNC checking account.

Get your home mortgage from PNC Bank to take advantage of this special offer.

Real Estate Owned properties or bank-owned houses may not necessarily offer the cheap foreclosure deals that you hear about in late-night infomercials, but you can often find low-priced REO homes for sale in comparison to similar properties.

Here are a few tips for purchasing real estate owned houses, so you know what to expect when purchasing property directly from a bank or lender.

Who Owns REO Properties?

Real Estate Owned houses are homes that failed to sell at a foreclosure auction, and the bank now owns the property.

The bank will handle the eviction if necessary, negotiate with the IRS for removal of any tax liens, and pay off any homeowner dues if applicable.

However, the bank is not always trying to sell the house at the lowest price possible, so don’t expect to low-ball the bank with an extremely cheap offer on a house.

Who Sells REO Houses?

REO houses are usually shown by seller real estate agents who represent the bank.

They act just as any seller agent would by setting up appointments either with you or your realtor to see the house.

You would make any offers through this real estate agent as well, and for all practical purposes, you would usually never deal directly with the bank that is selling the house.

Purchasing REO Houses “As Is”

Real Estate Owned properties are sold in “as is” condition, but you’ll still be able to inspect the home as you would when purchasing any other house.

When making an offer on an REO property, you may want to include an inspection contingency that allows you to withdraw your offer if unexpected damages are found during a professional inspection.

However, the banks won’t necessarily negotiate the price down for any repairs that are found to be needed during an inspection, so you may want to consider this before paying for an inspection in the first place, if you plan to purchase the home either way in the end.

When viewing the home on your own, make sure you check all of the major home components closely, such as the roof, furnace, water heater, etc., to make sure you spot any potential damages that could require additional expenses.

A full professional inspection may cost you around $500, and that money could go towards any potential repairs, so you’ll really have to consider your options when purchasing a bank-owned house.

Bidding on REO Homes

Unlike bidding on houses from a homeowner, where you may give 48 hours as a response time on your bid, banks may require you to provide them with as long as 60 days to accept or reject your bid.

Once you make your bid on the house, the bank will usually sit on your bid for the full time period and wait for any higher offers on the house.

Banks are usually looking for a homebuyer with a clean offer, preferably with a pre-approved loan, as it’s unlikely the bank will also provide you with financing for your home loan.

Your best bet at having your offer accepted will be to offer the price that the bank is asking with an extremely clean offer and letter of pre-approval from your lender.

Of course, everybody wants to bid less than the asking price on a home, but don’t expect the bank to jump on your offer if you make a low bid.

The bank is not in as desperate of a situation as you would hope is the case, and their patience is endless, unlike the homebuyer who is usually riding on adrenaline after looking at a dozen houses in the last 3 days.

Deposit Required with REO Bid

Some banks may require a deposit along with your bid in the area of $1,000, which will go towards the payment if your offer is accepted.

You’ll be required to make this deposit when you offer your bid on the house, and you may only receive this deposit back if the bank does not accept your offer, as you may not be allowed to withdraw your offer and request your deposit back.

However, not all banks require this deposit, and the terms of the deposit may vary between different banks.

Purchasing Real Estate Owned Properties

In general, purchasing REO properties or bank-owned properties is more of a hassle than purchasing a house from a homeowner.

However, you may be able to find cheap prices on REO homes in your area, depending on the local real estate market.

It will require some patience when bidding though, so be prepared to spend a lot of time waiting while you try to purchase a Real Estate Owned property.

You may also be interested in these Home Loan Offers for low-interest home mortgages and other lending opportunities.

Take advantage of these tips on purchasing REO properties to know what to expect when bidding on a Real Estate Owned home.

The Wachovia Move Easy service is absolutely free for Wachovia mortgage customers, and it offers you a cash rebate based on the purchase price of your home.

The Wachovia Move Easy program offers up to $750 in cash rewards or more when you purchase your property using one of Wachovia’s network real estate agents.

Move Easy with Wachovia is available to Wachovia mortgage customers at no additional cost, and you will be connected with a personal real estate coordinator who will take the following steps to assist you in purchasing your new home.

1. They’ll find you a real estate agent who meets your needs.
2. They’ll help you compare moving van line quotes from various leading carriers.
3. They’ll help you purchase a home warranty.
4. They’ll assist you in locating certified home inspectors.
5. They’ll make sure you receive insurance quotes from top-rate companies.
6. They’ll even help you transfer your utilities and more.

Move Easy assistance is provided absolutely free by Wachovia. However, you are responsible for the cost of the actual services provided.

The actual amount of your cash refund will be $3 per $1,000 of the sales price of your home.

For example, a home with a purchase price of $250,000 would result in a $750 refund.

This offer is limited to one refund per home purchase and will not be credited if you do not purchase the property using your network real estate agent relationship, which is coordinated by your personal Wachovia real estate coordinator.

Move Easy with Wachovia cash back is NOT available for properties purchased in the following states due to state law restrictions: AL, AK, IA, KS, KY, LA, MO, MS, NH, NJ, OK, OR, SC, SD, TN or the District of Columbia.

The benefits associated with this offer may not be combined or used in conjunction with a corporate sponsored relocation.

To take advantage of the Move Easy service from Wachovia, call 1-866-450-9367 today, or visit Wachovia Move Easy for more information, where you can also chat online with a mortgage counselor.

Wachovia makes purchasing a home easy, and there is plenty of Wachovia Mortgage Information available on their website including mortgage calculators and more for first-time home buyers.

You may also be interested in this Wachovia Free Checking Account $25 Bonus Offer, which is a great way to start your relationship with Wachovia.

Thanks and enjoy maximizing your money.