cnsa: Find me in Phoenix AZ for notary and real estate services
- 09/16/08 12:35 PM
Hey everyone, Deborah is not new to Active Rain, but she is just starting to get the hang of things here, so I wanted to spread the word about her in the Newbies and other groups. Please check out her and her services!
For getting your loan documents closed on time. When you are looking for peace of mind and confidence that the job will be done right the first time, you can count on me, Deborah Huffert. I am a Certified Loan Signing Agent and Independent Notary Public with more than eight years of experience under my belt. Formerly … (6 comments)
cnsa: Require mortgage counseling on ALL mortgages, not just reverse mortgages
- 07/28/08 03:29 AM
One thing I have been saying repeatedly about regular mortgages, is that they should REQUIRE counseling prior to all mortgages, just like the requirement for counseling prior to getting a reverse mortgage. What do you think? I know it would not have prevented all of today's mortgage problems, but might it have lessened the foreclosures? Might it have lessened the cliff we fell over? Making sure people were doing the right thing, lessening the rip-offs tactics that some mortgage brokers utilize just to get a mortgage. Just a thought to help prevent or at least lessening the chance of our current market situation from … (11 comments)
cnsa: Need a FREE speaker for anywhere in Sarasota or Manatee County?
- 07/15/08 08:39 PM
Check out a FREE service for your organization, a place where you can find someone to speak about a wide variety of topics, such as: Acupuncture Advertising Strategies Are You Sick and Tired of Being Sick and Tired? Be Your Own Wellness Coach Bringing Your Art to the Public Business Networking Buying and Selling Real Estate Communication Computer Security Condo Board Repairs Cooking Innovation Developing Self-Confidence Diet and ADD Effective Communication for Team Building Employee Wellness Finding Your Ancestry -- Genealogy is Fun Fundraising Get Off the Hormone Rollercoaster Goal Setting Health Insurance Options Health Savings Accounts Herbal Supplements Home Improvements That … (2 comments)
cnsa: A question for insurance agents here on AR. . .
- 07/12/08 06:18 AM
I saw someone bring up a very good question that received no answers. I have seen the same thing as notary signing agent - extreme insurance rates for the same property. As a CNSA, I often see the rates most everyone is paying, and I get a pretty good feel for a good price compared to the size and issues with the home (such as pool, pets, etc.) and if I see a high rate, I refer them to one of several insurance agents to get them a better price. The question is though, why such a drastic change in rates. I … (4 comments)
cnsa: 50,000 + 1 AR Points - I'm thrilled. Thanks AR!
- 07/10/08 01:50 AM
This was not my fastest 10,000 points (tied for 2nd fastest) here on AR, and I must say I am glad to be back blogging! I'll continues to try and be faithful in the future as I love it here. It took me 13 days to reach 10,000, 17 days until 20,000, and 23 days until 30,000. Then, a whopping 245 days for the 40,000, and now this one took another 17 days. And as I always say to people that do not like numbers or number crunching, run, run as far away as you can, because I like number crunching! OR > click away fast, VERY fast, … (18 comments)
cnsa: * * Stop flashing me! * * - A message to all Floridians!!!
- 07/09/08 05:29 AM
NOW THAT I HAVE YOUR ATTENTION!! To all Floridians, they are familiar with the sudden summer downpour with showers. It is unlike anywhere else that I am aware. It is a VERY common sight, and with me driving 4-6,000 miles a month, many on the local interstate, it is a common occurrence to see everyone driving down the road with their emergency flashers on. Sorry to rant, and to those outside Florida, it might be hard to comprehend, but to put it in perspective, it would probably compare to a driving snowstorm where you can hardly see in front of your car. … (4 comments)
cnsa: Are you open or working today?
- 07/04/08 02:50 AM
It is funny, around every holiday, FedEx calls me to ask me if I am open and will I have packages to ship out. (they come to my house every day unless I do not have an outgoing loan package) I always have to answer yes, unless you hear from me, as I can have a shipment any day, and the holiday makes no difference. I even have a notary assignment later today in a neighboring town. Do I mind, absolutely not, I love being open all the time. Having worked at a police department for 16 years kind of made … (15 comments)
cnsa: It is LONG overdue we look at our laws and make some changes!
- 07/04/08 12:07 AM
Last night as I listened to the fireworks go off, I sat here and thought about something. I had started thinking about this same thing earlier in the day at my networking group on an entirely different subject, but the same nonsense! WE NEED TO CHANGE OUR LAWS. I know not all states are the same, BUT, in Florida, if you buy fireworks for agricultural use, that is fine. My question WHAT AGRICULTURAL USE COULD ANYONE POSSIBLY HAVE FOR FIREWORKS? Several years ago, I was riding with a police officer around the 4th of July, and he would get one of the dozens of … (8 comments)
cnsa: What do YOU know about reverse mortgages?
- 07/03/08 01:37 PM
Did you know that you can get fixed interest rate options? Many are concerned with the adjustable rate reverse mortgages - even though as I stated in several blogs, in the last 20 years, the highest the monthly adjusting reverse mortgages have gone is in 1991 & 2000 when the rates went in the 9% range, and in those same years, the yearly adjusting went into the mid-7% range. Again, these are the highest in the last 20 years. They also have a 10% cap over the original rate. On average, they have ranged from 5% to 8% although right now, although … (5 comments)
cnsa: More regulations needed for reverse mortgages? What about regular mortgages?
- 06/29/08 04:17 AM
Today I read where RI governor signed a bill for more disclosures about reverse mortgages last Friday. Don't get me wrong, if you have read my blog, I am all for the disclosures, in fact I may be in the minority that LIKES them, likes reverse mortgages, and think the disclosures should stay! However, a word of caution here. I don't mean to be sarcastic here, but does the RI governor have a clue how many disclosures and regulations are already in existence for reverse mortgages? I know each time I sit down with a client and go over the mortgage papers, when it is … (0 comments)
cnsa: How expensive is gas anyway?
- 06/29/08 02:28 AM
This past week, I found a website that I am thrilled about - gasbuddy.com where you can find the lowest price gas in your area as reported by fellow members. Driving 3-5000 miles a month for loan closings in Southwest Florida, this is a great tool! The way it works is, after you sign up, and you drive by gas stations a, b, c, and d. You write down their gas prices, then go on the website and report what you saw. After 3 days at the most, it drops off. But of course, in most instances, someone else drives by those … (7 comments)
cnsa: Reverse Mortgages are only for the poor, correct?
- 06/27/08 03:42 AM
Answer: Absolutely FALSE! While many that get reverse mortgages are struggling to pay for food, medicine and for the roof over their head, how much money you have or do not have has NO bearing on your approval or lack of approval. How old you are, how much equity you have in the home are the biggest factors on approval. Not all condominiums qualify, and many manufactured homes do not qualify, but not all are turned down either. I did a closing for a couple that had a commercial piece of property valued at $1,000,000 - one million dollars! But they did … (3 comments)
cnsa: I am considering a reverse mortgage, what are your thoughts? And WHY?
- 06/26/08 11:54 PM
Of course, I am not old enough to get one. And it would not take you long to read my blog to learn that I am a big proponent of them, and I get annoyed when people spread completely false information about them. If they chose not to get a reverse mortgage based on correct facts, that is certainly OK! Of course, I only want correct facts being spread about them, BUT, for this blog, I am in one of my curious fact & opinions seeking moods. Whether you are a reverse mortgage specialist, and have 25 years experience, or have no first hand … (6 comments)
cnsa: Help feed ALL of Florida! S.H.A.R.E Florida
- 06/25/08 01:56 AM
The July basic package selection is out - 1 lb Perri Sweet Italian Sausage 2.55 lbs Chicken Roaster Drums 1.8 lbs Split Chicken Breasts 12 oz Sandwich Steaks 1 lb Bone in CEnter Cut Pork Chops Variety fresh fruits & vegetables They don't have the price, but it should be around $18-20. And keep in mind, this is not junk left overs, it is good quality food! And if you don't like that, they have vegetarian selections as well. You can also pick other specials of 5lb Roasted Chicken Breasts for $15.50, 8 - 6oz (3lbs total) Chicken Cordon Bleu $13.75, a … (0 comments)
cnsa: If a reverse mortgage balance exceeds the home value, I will be forced out of my home, correct?
- 06/23/08 03:23 AM
Answer - ABSOLUTELY FALSE! No matter what age you live to, no matter if the loan ever exceeds the home value by any amount, and these days that is happening a lot with the depressed home values, you REMAIN in your home as long as you want and are able to live there! (of course you must still pay your property taxes and homeowners insurance, but that is it!) Once you leave the home, no matter the means or method, the loan becomes due, and either you or your heirs can take out their own financing to pay for the mortgage and keep the … (0 comments)
cnsa: S.H.A.R.E.Florida.org - For everyone in Florida - pass it along please!!
- 06/16/08 02:54 PM
I honestly just learned about this a couple of weeks ago, but it is a SUPER GREAT VOLUNTEER PROGRAM!! It is intended to help the poor & elderly. Visit shareflorida.org and learn how you can help volunteer. If you can't donate your time and help, purchase some food from them, then take it to someone that can't afford food, or someone that has troubles leaving their home. Check out all the food options they have, it is amazing and at amazing prices. Of course, if you are struggling financially, go there to get some food at prices you will never find at the grocery … (0 comments)
cnsa: Reverse Mortgage Costs - how expensive are they?
- 06/16/08 06:24 AM
As a follow-up to my blog, AGAIN, before you say no to a reverse mortgage, learn the correct facts! Don't believe the myths!as well as my blog, Are Reverse Mortgages costs so much more than regular mortgages? and also several people commenting about the costs on the blog of Mr Jones, You Should Worry If Dad Says He's Getting a Reverse MortgageI want to expand on a couple of things. First, how costly are they truly? Yes, I pretty much proved my point that the costs not including the mortgage insurance were in line with regular mortgages. With the mortgage insurance, it … (3 comments)
cnsa: If you have bad credit, foreclosure, or bankruptcy on your credit, can you get a reverse mortgage?
- 06/14/08 03:09 PM
Answer - YES! This is one of those rare questions though that needs a complete explanation and does come with an asterisk. Having any or even all of these items on your credit report does not effect approval, BUT, if you are in bankruptcy, it must be discharged prior to getting a reverse mortgage. If you are in foreclosure, let your loan officer/broker know immediately! It will actually help quicken your approval time from an average of 4-6 weeks, to about 2 weeks! Bad credit also does not effect the approval process, BUT, understand if you have judgements or other liens, … (7 comments)
cnsa: If you get a Reverse Mortgage, how long will you keep it?
- 11/02/07 04:17 AM
Recently, I saw a statistic published by HUD, stating that over half of all HECM Mortgages (the most popular and common Reverse Mortgage) were not kept for six years. And many were only kept for three to four years. One thing to consider about this if you are considering a Reverse Mortgage. While I am a big proponent of these, to keep it for such a short period of time, makes your APR (the cost to you in an annual term) often extremely high in the teens as far as percent (15-20%) or even in the 20%'s. This is as high, if not … (3 comments)
cnsa: 30,000 and climbing. . WOW THANKS to everyone here at AR!!
- 10/21/07 09:18 AM
Again, to all of you that don't like numbers, run, run far away! OR click away fast, I should say. As I pass the 30,000 points here on AR, it still amazes me how many still do not take advantage of AR, but all the better for the rest of us! Going from 20,000 points to 30,000 increases my average rating from 14.7 in the 50 states plus DC, to 11.9. And again, that is not percent, that is average number ranking in all the states. And of course, my state remains the hardest to climb with the most competition. I'm just … (7 comments)
Do you want to sign your refinance mortgage papers at your convenience, at the location of your choice? You have the right to choose your Mortgage Notary Signing Agent - Call 941-7-NOTARY (766-8279)
Hey everyone, Deborah is not new to Active Rain, but she is just starting to get the hang of things here, so I wanted to spread the word about her in the Newbies and other groups. Please check out her and her services!
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