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Archives of real estate blog entries for December 15, 2006 (Page 9)
does a good loan officer really care what rates do? - 03:12 AM
A fool and their money are soon invited everywhere! If a loan officer knew exactly what rates were going to do, would that make a difference in the amount of business that they funded? Many would argue "no", since some believe that market timing takes a back seat to good marketing and operations. Rates have crept up for the last three weeks, and many rates (and mortgage prices) are back to where they were one month ago. Loan officers and brokers may have been locking steadily. Looking ahead over the next 6 months, many analysts believe that long-term rates (similar to mortgage (0 comments)
Here's a riddle: what is it that many of us had when young, but the next generation might not? How about a big yard? The detached, single-family home with a big yard is disappearing. And even where it still exists, few buyers can afford it. According to U.S. Census Bureau data, the median new one-family house was 2,227 square feet in 2005, up 40% from 1976. But the median lot size has fallen 13% to 8,847 square feet, .2 of an acre. Obviously land costs are increasing, and buyers want a bigger house at the expense of less land. And of (0 comments)
Thirty per cent of the Chinese population will be over age 60 by 2050! That's four hundred and thirty-two million people. Demographers sometimes say that "China is in a race to get rich before it gets old". Here in the US, according to U.S. News & World Reports, a survey conducted by the Employee Benefit Research Institute in Washington, D.C. found that 66% of Americans are confident in their ability to save enough money to live comfortably in retirement. Yet according to EBRI, 68% have saved less than $50,000 in their retirement funds. Are these the same folks that are using (0 comments)
Do Interest-Only loans go into Interest-Only (IO) securities? Not necessarily. But most (the ones in which the interest and principal payments are split) are structured so that investors receive only interest on the amount of outstanding principal. Therefore, the return on IOs is inversely related to the speed of prepayments. When prepayments are made, the total amount of interest received will be less, due to the decline in outstanding principal. When mortgage rates decline, as they have, prepayments accelerate, which will lower the cash flow for the IO security. Therefore in an environment of declining interest rates, the price of IOs (0 comments)
Loan Sharks or Saviors? - 12:53 PM
There has been quite a bit of noise lately about payday lenders and their very high (some would say "predatory") interest rates. Last Tuesday, 12/5/06, House Bill 619 was defeated in the Virginia House of Delegates. The purpose of the bill was to repeal the Virginia Payday Loan Act of 2002, which had exempted these payday loans from the maximum interest rate of 36%. Anyone with a checking account, an ID, and evidence of a job can borrow against their next paycheck, with a "payday loan". The concept is simple enough, and sounds like it does the job exactly as the (0 comments)
I Got Quoted!! WoooHooooo!!!! I'm a Somebody - 07:55 AM
I am so excited that I can't stand it. I feel like Steve Martin in "The Jerk" when he sees his name in the telephone book. "I'm a somebody" he exclaims as he dances around in circles. I just started a blog, The Atlanta Report, two weeks ago, he same time I began posting here. I took a few minutes to write a few paragraghs about Zillow and put it on my blog. It was maybe my fifth post there. This morning I did a Google search for the title of the post to see if it was indexed in Google. I saw (1 comments)
The Art of Picking up a Buyer - 03:02 PM
Wanted to share with you a typical experience that gives you an idea how I pick up a majority of my buyers. It probably won't sound that good to many but it has been working pretty well for me. 8:05 AM I check my email and I see someone has sent me a request to see a home either at 9AM or after 2PM today. The person failed to leave a telephone number. (Even though I promote the fact that I will never make an unsolicited call or email to them some people still don't leave their telephone number.) 8:07 AM I Email the person back (1 comments)
Staging Directory - 08:12 AM
Does anyone have any information on a staging directory called www.stagingdirectory.com? I received an adverrt from them but when I try to find them on the web, I get nothing. (13 comments)
Mortgage Promotions w/ Impressive Leads!! - 02:56 PM
Hello Brokers, My name is Eric Mcclenon and I am a training loan officer for America One Finance, and my wife is a loan officer for Network Mortgage. We both are using the same system to generate leads for our companies. #1 We have a call center that is generating Exclusive Live Transfer Mortgage Leads at the price of $50.00 per lead. These leads will have a closing ratio of 30% and we have a full refund and replacement policy in place. Also, the customer service is the best we have ever dealt with in all our years of dealing with (1 comments)
Use Impressive Leads!! - 03:07 PM
Hello, If you want to close some loans, you'll need good leads. We can provide you with high quality Exclusive Live Transfer Leads. These leads have a 30% closing ratio. Full refund and replacement policy in place. Contact me for more info Eric M 425-355-5487 (0 comments)
MERRY CHRISTMAS TO ALL ! - 09:11 PM
As time gets away from us and we all ( from what I see in these Blogs ) take our business very serious. Let's take time out to wish each and every one of us: A Merry Christmas And A Happy New Year If you do not celebrate the holidays in this fashion Just let me say May there be Health and Happiness to you, your family and loved one in this holiday season. Please comment, will you take time off to be with family ? Or work all the way through ? Our Offices have decided to close the 23rd. through Christmas. After All if (2 comments)
San Francisco Condos: Radiance - 04:44 PM
The full post can be read at my website. For SEO reasons, I don't put the full post here. --------- According to Socketsite, the condo development Radiance will open their sales office in January. Radiance is located off 3rd Street in Mission Bay between China Basin Street and Mission Bay Blvd. According to Socketsite:<blockquote>Radiance at Mission Bay will consist of two 16-story towers, two 9-story midrise buildings, and townhomes with condominiums ranging in size from 850 to 2,175 square feet. The current website is simply a placeholder, the sales office should open early next year, and while ground has been broken, we (0 comments)
Casey Serin in new ebook - 07:12 PM
For SEO reasons, the full post is not here. It can be seen at my site. -------- Last week I purchased Ramit Sethi’s new ebook, Ramit’s Guide to Kicking Ass. Much of the book is based off of Ramit’s post from his own personal finance and entrepreneurship blog, iwillteachyoutoberich.com. If you haven’t ever read his blog, I’d recommend checking it out. Although from the title it sounds like some sort of “get rich quick,” it is anything but that. Anyway, Casey Serin, best known for accruing over $2.2 million in debt at the age of 24 from poor real estate deals, has a (3 comments)
Do you suffer from these techno widget phobias? - 09:25 AM
Online property valuation websitesSuper discountersInformation Overloaders I see and read a lot about how online valuation models are hurting the ability of RE agents and mortgage brokers to give real data to clients. Clients go online and get unrealistic property values and make it hard for the professional to price their property properly for sale. Embrace these models and make them work for you.
In your price development, quote these online models and then add the actual sales data from MLS and from the public records. That will help the seller to realize the true value and also the (0 comments)
Are you wanting more from your real estate career? - 02:53 PM
ATTENTION REALTORS & MORTGAGE BROKERS Realtors / Mortgage Brokers DOUBLE your INCOME!Have you ever dreamed of being in the right place at the right time? Here's your opportunity.ZipRealty Tampa offers you a chance to be in business for your self, but not by self with: ** Warm Leads ● No Major investment ● No Franchise Fees ● No Loss of Job Security ● No Experience Required ● No Inventory ● Large Territory ● Unlimited OpportunityDiscover how to improve your quality of life by taking control of your financial future by help others increase their cash flow. Call me Today to discuss how we can expand your horizon. (0 comments)
Ask about the Exit ReaL Estate Career Opportunity - 06:51 PM
Ask me about a real estate career with the Exit opportunity, the realty system for the 21st century. A full-service brokerage, new income streams, No desk fees, potentionaly earn up to 100% commission (1 comments)
With Loan Volume Slowing,Rebates and Rate DiscountsAre Used to Woo Customers By RUTH SIMONNovember 1, 2006; Page D3 Get a mortgage from another lender and we will pay you $250. That is the latest marketing twist from Bank of America Corp. With competition for home loans increasing, the Charlotte, N.C., lender is encouraging its customers to apply for a mortgage with the bank and then shop around. If they decide to get their home loan elsewhere, Bank of America will write a $250 check to cover a portion of their closing costs. The Bank of America offering is the latest sign (0 comments)
Saint Paul Author - 11:51 AM
Looking for an escape from your real estate world? Check out Saint Paul, Minnesota resident Vince Flynn's newest novel, Act of Treason. Vince is a friend of mine that I met while attending the University of St. Thomas. Now, Vince is a successful author of 8 novels. The novels have been best sellers and counted among his readers are Bill Clinton and President Bush. Vince received (and accepted) an invitation to ride with President Bush on a recent visit to the Twin Cities. Vince, his wife and their kids still live in St. Paul although he is looking forward to the (0 comments)
Turn Poor Credit Into Great Credit - 08:39 PM
And Own a Home of your own in 2007! Credit information, whether good or bad, remains on your credit report for a period of seven years. So, it makes good sense to know what's on your credit report, especially if you're considering applying for a mortgage or a new home loan. When Good Credit Goes BadBefore you insist that you've never once made a late payment or that your credit history is unremarkable, keep in mind that errors do happen. That being said, errors in credit reports can actually be quite common. Think for a moment about mail containing misspelled names or (0 comments)
Avoiding investor burnout - 10:21 PM
According to census figures there are almost nine million single family rental property units in the United States, and more than twice as many units in multi-family units. The vast majority of these are owned by individual owners (as opposed to corporations). People like you. Another interesting figure is that of these owners, almost a third report that they would not buy property again. Real estate is one of the most solid paths to building a sound economic future, but it's not for everyone. So - why so many burned-out landlords? Well there are a lot of answers to that question, (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.