Obama Refinance Plan Encourages Home Owners to Get Lower Mortgage Rates

The Obama Refinance Plan was established back in March of 2009 and has done a lot to allow home owners to refinance. Prior to the plan, it was very difficult to go through the refinance process with a loan-to-value of anything above 95%. That has all changed as the new plan allows you to go through the mortgage application process with a loan-to-value of over 100%. With the great fall of the housing market, many homes are under water, meaning that the owner owes more than the house is worth.Much of this is not the fault of the home owner as there may have been a foreclosure or short sale in the same neighborhood. If this is the case, the value of a home can drop as much as 20% in a few short months. This seems to be happening all over the United States and President Obama wants to do everything in his power to not let this harm the housing market even more than it has.Current mortgage rates are near historic lows which will give new home buyers and home owners a chance to save a lot of money if they can access the rates. Prior to March of 2009, it was very hard to access these rates as lenders were being very stingy. The recent memory of the subprime mortgage crisis has been etched in the brains of many of these lenders and they are not willing to go through the mortgage application process with anyone that many be any risk of defaulting; now that has all changed with the Obama refinance plan.


Rokinon 500mm f/6.3 Multi-Coated Mirror Lens with 2x Teleconverter (=1000mm) for Canon EOS 7D, 5D Mark II III, 60D, Rebel T3, T3i, T2i Digital SLR Cameras

Kit includes:
♦ 1) Rokinon 500mm f/6.3 Multi-Coated Mirror Lens
♦ 2) 2x Teleconverter
♦ 3) Canon EOS T-mount Adapter
♦ 4) Rear Lens Cap for Canon EOS Lenses
♦ 5) Cameta Microfiber Cleaning Cloth

The Rokinon 500mm f/6.3 Mirror Lens is a high-quality, computer designed product that incorporates the merits of both reflex optics and refraction optics. This combination provides the user with an extremely sharp picture with minimum color abberation.

While this lens is designed for high definition telephoto photography, it is also one of the most affordable precision optics available, which allows anyone on any budget to enjoy shooting crisp, clear telephoto pictures.

This lens can be easily combined with the included 2x Teleconverter, which extends the focal length of the lens to an amazing 1000mm.

This lens includes a T-mount adapter specifically designed for Canon EOS mount SLR and Digital SLR Cameras.

Keep your camera and lenses smudge-free with the included handy microfiber cleaning cloth.

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Opteka CS-300B Digital SLR Full Camera System Cyber Backpack (Black)

The perfect combo for professional photo equipment and laptop computers just got better! Designed with location photographers and photojournalists in-mind, the Opteka CS-300B has extra room for a large professional SLR camera system and still meets all airline carry-on requirements. Carefully designed to withstand all the use and abuse you can give it, this pack’s reinforced construction, shock-absorbing, dura-foam and water resistant materials provide the highest level of protection. The comfortable dual-density padded shoulder harness and sternum strap provide a comfortable fit for hours in the field. The interior is fully customizable and includes removable dura-foam dividers, two removable accessory pouches and two see-through laminated mesh pockets so you can quickly see what’s stored inside. A padded rear compartment with water-resistant zipper protects your notebook (up to 15.4 screens) and provides access even while wearing the pack. Additional features include a fully enclosed rain / extreme weather cover, a front mounter tripod attachment system, and a Opteka limited lifetime warranty.
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