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The Google Jagger Update
By Glenn Hodgkinson, Tue Dec 27th
h1 align="left" class="style1 style12">The Google Jagger Update What has the Google Jaggerupdate delivered to us as internet users and how has it impactedsearch engine optimization companies? Jagger Update For Internet Users The Google Jaggerupdate was done to try and refine some of the results that wereshowing up in the Google search results by concentrating onweeding out those sites that were not beneficial to the personsearching for their specific search term. Google, and any search engine for that matter, wants todeliver high quality unique and relevant sites. That means thatthey needed to target scraper sites, monetized directory sites,spam sites, link exchanges and Blog spam. style10">With the completion of the Google Jagger update youshould now see more relevant search engine results that are morelikely to be in line with your requirements. Less rubbish andmore good content was the hope and it seems that to a certaindegree this update has been effective and was beneficial ingeneral to the internet user whose preference is Google fortheir search engine. Jagger Update For Search Engine OptimizationCompanies After muchwailing and gnashing of teeth SEO companies are starting to calmdown............a little bit anyway. The Google Jagger updatewas deemed to be the end for search engine optimizationcompanies and there was panic everywhere especially in the earlystages of the update when sites seemed to be dropping like fliesout of the Google results pages. You could here the shouts of "they have gone too farthis time" and "people will start using MSN & Yahoo! moreand more now" any it is open to interpretation just whetherthese two statements hold some truth. One thing is certainthough and that is that Google had to do something, too manyblack
Illinois and Wisconsin Mortgage Rates as of 12/02/2008 9:57 AM CST : Current Mortgage Rate Trend: steady
30 Year fixed: 5.500% (5.572% APR)
15 Year Fixed: 5.500% (5.603% APR)
30 Year Fixed Jumbo 7.100% (7.120% APR)
5/1 Jumbo ARM: 5.950% (5.970% APR)
5/1 ARM: 6.250% (6.313% APR)
3/1 ARM: 6.250% (6.313% APR)
30 Year FHA and VA: 6.000% (6.062% APR)
30 Year Rural Housing: 6.000% (6.062% APR)
3/1 ARM Lot Loan: 6.875% (7.034% APR)
1/1 ARM Lot Loan: 6.725% (6.882% APR)
Illinois and Wisconsin Mortgage Rates as of 12/01/2008 10:05 AM CST : Current Mortgage Rate Trend: improving
30 Year fixed: 5.500% (5.572% APR)
15 Year Fixed: 5.250% (5.372% APR)
30 Year Fixed Jumbo 7.100% (7.120% APR)
5/1 Jumbo ARM: 5.950% (5.970% APR)
5/1 ARM: 6.125% (6.188% APR)
3/1 ARM: 5.750% (5.791% APR)
30 Year FHA and VA: 6.000% (6.062% APR)
30 Year Rural Housing: 6.000% (6.062% APR)
3/1 ARM Lot Loan: 6.875% (7.034% APR)
1/1 ARM Lot Loan: 6.725% (6.882% APR)
2009 FHA Loans Limits for Wisconsin and Illinois
Beginning January 1, 2009, FHA will insure single-family home mortgages up to $271,050 in low cost areas and up to a maximum of $625,500 in high cost areas. The February 2008 Stimulus Package temporarily raised the FHA maximum to $729,750 through December 31, 2008.
Effective July 14, 2008 FHA mortgage loans will charge new mortgage insurance premiums
Effective July 14, 2008 FHA mortgage loans will charge new mortgage insurance premiums based on a combination of credit scores and percentage down. FHA will implement risk-based premiums on one- to four-unit single family mortgages.
Illinois First Time Home Buyer Mortgage Wisconsin First Time Home Buyer Loans
We pride ourselves on being able to assist the first time home buyer in learning and understanding the process. We take the time to review the credit process and explain the various lender programs available.
Illinois FHA Mortgage Wisconsin FHA Mortgage (Federal Housing Administration)
Ameristar Mortgage offers Illinois and Wisconsin FHA mortgage loans to Wisconsin and Illinois residents: Purchase a home thru FHA with no money down (100% financing). Cash our refinance with an FHA mortgage to 95%. Ameristar Mortgage is an approved mortgage broker for FHA loans in Wisconsin and Illinois including Chicago, Milwaukee and Madison.
Illinois and Wisconsin Jumbo Bank Statement Mortgage Program
Due to ever changing guidelines to the stated income program Ameristar Mortgage now offers jumbo bank statement mortgage programs to $1,500,000 available to Wisconsin and Illinois residents.
Illinois and Wisconsin Core Bank Statement Mortgage Program
Due to ever changing guidelines to the stated income program Ameristar Mortgage now offers core bank statement mortgage programs to $750,000 available to Wisconsin and Illinois residents.
It's Official! Illinois 2008 FHA Loan Limits to Rise!
FHA has increased the loan limits to $410,000 for single family homes in Cook, Dupage, Dekalb, Grundy, Kane, Kendall and Lake counties. The increase should provide some relief for homeowners paying adjustable or high mortgage rates. The measure is temporary, and will be available until the end of 2008.
Illinois Freddie Mac Home Possible Wisconsin Home Possible Mortgage Loan
Home Possible is a Freddie Mac program that has very flexible credit guidelines for low to moderate income borrowers. It's available to purchase or refinance a single family home, condominium, or a 2?4 family home.
Jumbo VA Mortgage Loans in Wisconsin and Illinois
With loan amounts up to $1.5 million and interest rates significantly below comparable jumbo products, there's no better time to consider jumbo VA loans! Eligible borrowers include active military, veterans, reservists, National Guard, and unmarried surviving spouses of eligible service members.
Illinois Jumbo Mortgage Loans Wisconsin Jumbo Home Loans
Ameristar Mortgage offers full doc jumbo loans and non conforming home loans, including fixed and adjustable rate jumbo mortgage loan products, balloon products, and even interest only programs to meet the purchase or refinance needs of our borrowers...
Illinois VA Mortgage Loans Wisconsin VA (Veterens Affairs) Mortgage Home Loans
Enjoy the privilege of no money down loan for qualified Illinois and Wisconsin veterans and reservists. The Department of Veterans Affairs insures these loans, so you'll get more freedom to make decisions.
Illinois Refinance Wisconsin Refinance, Debt Consolidation and Cash Out Refinance to 100% Mortgage Home Loans
Whether you are looking to refinance your current Illinois or Wisconsin mortgage to obtain a lower rate, get out of your current adjustable rate mortgage (ARM) and into a fixed rate, get cash out to add an addition, finish your basement, or to just payoff credit cards and other unwanted debt Ameristar Mortgage has the right refinance program for you:
Illinois Interest Only Mortgage Loans Wisconsin Interest Only Loans
An Interest Only mortgage is an excellent mortgage option for borrowers who want the lowest payment possible. An Interest Only loan means exactly what it says, the borrower pays interest only. By paying interest only on a mortgage loan, borrowers can purchase more home with the same payment as they would with a traditional 30 year fully amortizing loan.
Illinois Stated Income Stated Asset Wisconsin Stated Income Stated Asset Mortgage Loan (Conforming Rates) (SISA)
Ameristar Mortgage of Wisconsin and Illinois offers Stated Income Stated Asset Verification (SISA) Low Doc Mortgage - Great for self employed or W2 employees who cannot document income or assets...
Illinois Rural Mortgage Loans Wisconsin Rural Housing Single Family Guaranteed Loan (USDA) Rural Developement
Rural Housing loans offer 100% Financing plus up to appraised value for closing costs and escrows (pre-paids). The Guaranteed Rural Housing (GRH) loan program provides moderate income families with access to affordable home ownership in eligible rural areas. Ameristar Mortgage provides home purchase financing requiring no down payment and can finance loan closing costs and repairs up to the property's appraised value.
Illinois No Money Down Mortgage Loans Wisconsin No Money Down Mortgage Loans (100% Financing)
Loans that finance the full purchase price, and thus do not require a down payment, are called "100% financing loans". 100% Financing loans are also referred to as "no money down loans". Ameristar offers the following 100% financing programs:
Illinois Lender Paid Mortgage Insurance Wisconsin Lender Paid Mortgage Insurance Loans (LPMI)
Lender Paid Mortgage Insurance (LPMI) is available on Conforming 30 and 40 Year Fixed products giving you the simple path to financing your home loan.
Illinois Less than Perfect Credit Wisconsin Less than Perfect Credit (no credit, poor credit) BC or Subprime Loans
We have a variety of programs tailored for borrowers that have a less-than perfect credit history. Many potential homebuyers come to us after they have been turned down elsewhere, and often by numerous lenders. The primary difference between Ameristar Mortgage and other lenders is that we view low credit scores, low income, low home equity, and marred credit histories simply as unique challenges rather than impossible obstacles.
Illinois New Construction and Lot Loans Wisconsin Construction and Lot Loans: Refinance and Purchase
Finance up to 95% with a construction loans and up to 90% on a Wisconsin Illinois lot loan. Ameristar Mortgage also offers a cash out refinance lot loan. Purchase a new lot or refinance you current lot mortgage loan.
Illinois My Community Mortgage and Wisconsin Fannie Mae My Community Mortgage Loan (MCM)
My Community Mortgage (MCM) is a Fannie Mae program that has very flexible credit guidelines for low to moderate income borrowers. It is available to purchase or refinance a single-family home, condominium, or a 2 to 4 family home.
Illinois Flex 100 Flex 97 Wisconsin Flex 100 Flex 97: One Conventional Fannie Mae 100% or 97% Financing Mortgage Loan
Get a conventional 100% loan with only $500 down. With the Flex 100 Program, you can get more house for less out-of-pocket costs. If you have not accumulated the assets to meet traditional financial requirements, this program may be for you.
Illinois Government Loans and Wisconsin Government Insured Home Mortgage Home Loans
If you are looking to make no or low down payment or if you are a veteran, the government may be able to help you with a no money down purchase or refinance! Check out these great programs: FHA loans, VA loans and Rural Housing loans:
Illinois 80/20 Wisconsin Combo 80-20, 75-25, 80-15-5 and 80-10-10 Mortgage Loan
80/20 mortgage loans sometimes called a Piggy-Back loan, is a program designed to help Borrower's purchase a home with 0% down while avoiding Mortgage Insurance. An 80/20 loan is actually 2 mortgage loans, a 1st mortgage (at 80% of the value of the home) and a 2nd mortgage (at 20% of the value of the home.)
Illinois No Ratio Wisconsin No Ratio Mortgage Loan
Ameristar Mortgage Wisconsin and Illinois offers No Ratio mortgage loans - Low Doc Mortgage - Great for self employed or W2 employees who cannot document income but can verify assets and employment history...
Illinois No Income Loan Illinois No Income Verification Mortgage Loan (NIV)
Ameristar Mortgage Wisconsin and Illinois offers No Income Verification (NIV) no income verified assets - Low Doc Mortgage - Great for self employed or W2 employees who cannot document income but can verify assets...
Want to receive updated mortgage rates and program information on your desktop, MySpace or Facebook page? Check out our new widget!
Ameristar Mortgage of Wisconsin and Illinois now offers updated rates and program information on your desktop, Myspace, Facebook, iGoogle and many others sites for integration via our new widget.
Receive Current Mortgage Rates and Mortgage Program Updates by Email
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Illinois Mortgage Programs Wisconsin Home Mortgage Programs Chicago Programs Milwaukee Madison Programs
You need a mortgage company that can answer your questions, provide accurate estimates and close your transaction on time. Put Ameristar's experience in closing thousands of purchase and refinance transactions to work for you.
hat 'SEO companies' were abusing the previousalgorithms and negatively affecting the overall quality of theGoogle search results. Googlecreated this monster initially by putting so much weight oninbound links and it was a relatively easy strategy for SEOcompanies to use that exploited how Google was producingresults. Instantly there came wave after wave of irrelevant linkfarms whose sole purpose was to exploit the Google algorithms,it benefited nobody except the site owner who got away with itand many sites did...............then along came Jagger. The Jagger update seems to affect the waySEO companies need to work by giving more weight to therelevancy of inbound and outbound links,filtering of unacceptable css spam techniques and demotion ofblog relevancy/weight. Instead ofthinking of quantity over quality we have now got to be smarter,just like in real life a recommendation (link) from a highquality company (site) is more beneficial and trustworthy to you(your website) than that from an general ad lost in theclassifieds section of a tabloid (think link farms). It seems that SEO companies have got tonow be more than manipulators; they have got to play more by therules. Search is ever evolvingand so already there are people who are exploiting loopholes inthe Jagger update but they are next in Google's hitlist...........may the battle commence! About the Author: Glenn Hodgkinson is a published, award winning authority in thearea of website development. Having worked on applications formultinational corporations he now resides in Maine USA where heowns a custom web sitedesign company called GB Interactive. About the author:Glenn Hodgkinson is a published, award winning authority in thearea of website development. Having worked on applications formultinational corporations he now resides in Maine USA where heowns a custom web site design company called GB Interactive.
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