Be A Bounce Back Person - 10/31/08 10:55 AM
Last evening I was going through my email and I read the daily devotional from Joel Osteen.   He spoke of challenges and bad times we would face and how we need to be thankful for those moments because the Lord is dealing with us and making us stronger.  He spoke of the Palm Tree, smaller, lanky and just very fragile looking.  When a hurricane hits the coast the Palm Tree will bend instead of breaking and each time it bends the root system becomes even stronger and deeper.  I believe in today's market we are once again strengthening our root system. 
… (2 comments)

Any Mini Miney Moe... - 10/29/08 08:54 PM
Remember when you were a child and used to play musical chairs or spoons?  The anticipation of whether you would be left out was terrifying!  This is the way our clients are feeling in today's market.  Do I sell or wait?  Do I purchase now or later?  Do I lock or float?  Do I have a loan officer that is knowledgable and looking out for me, or do I have one who is only interested in making a dollar?  Does my realtor really care about my needs and wants or are they just trying to get another sale on the books?  … (1 comments)

Blood Bath or Bubble Bath ??? - 10/28/08 09:35 PM
I am sitting here reading everything possible trying to predict what we will face in the last couple months of 2008.  Boy this has been a year for surprises and a roller coaster ride that would rival any in an amusement park.
For some strange reason, I didn't think the market changes would have a negative affect on me and my business.  I always strive to give excellent customer service, over-explain everything to my clients so they will understand the program they choose and always stand behind my word.  In doing that, I felt like all of these other loan officers … (5 comments)

Taxes & How They Can Affect Your Payments - 10/27/08 09:59 PM
Whether you are a realtor with home purchaser or the client, it is essential in today's market to have a loan officer that will explain tax escrows, closing costs and payments in great detail with verbiage you can understand. 
Taxes are one thing that tend to escape most people in their explanations.  Especially if  purchasing new construction, home that was previously an investment property or a foreclosure.  Taxes can greatly change your monthly payment until home has been submitted for homestead exemption.  In Jefferson and Shelby County taxes are paid in arrears and assessed once a year on October 1.  If a home … (2 comments)

 
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Valerie Springer, Home Loan Officer AL FHA, VA, Conventional and Reverse Mortga

Birmingham, AL

More about me…

Network Funding Residential Mortgage NMLS 2297

Address: 248 Inverness Center Drive, Birmingham, AL, 35242

Office Phone: (205) 995-7283 x 305

Cell Phone: (205) 746-1284

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