Do you "get into" the job? Do you try to resolve issues? Do you "dig in" and get to the bottom of the problem at hand: actively work on obtaining a solution? Or do you leave it to others to resolve and figure out?
Ann Sabbagh Vice-President Seacoast Mortgage Corporation Residential and Commercial Financing 508-243-1190
Please visit my website: www.annsabbagh.com
"When you choose me as your mortgage consultant, you also … (1 comments)
Not every transaction goes perfect. We all try, but something will inevitably happen if you have many transactions. Being busy, one needs help to focus on all the details. So, for those of you who are busy in this industry, when something goes wrong AND it is your fault, do you take the blame or do you come up with a scapegoat? DO you tell the truth to your seller or buyer? Or do you start blaming the lender, the title attorney, the appraiser, or whomever?
So, what is YOUR purpose? Why are you in the real estate industry? I find myself here because I enjoy helping the consumer obtain their dream: their home for their family. Sure, many consumers can go anywhere for a mortgage, but those that want a professional who counsels them from a total financial perspective is what … (5 comments)
"The danger caused by texting while behind the wheel is no joke, and as an extremely graphic PSA from the UK shows in almost unbearable detail, the results can be truly deadly. The more than 4-minute video, which shows a group of teenage girls getting into a head-on collision while the driver … (7 comments)
loan: I HAVE A QUESTION !
- 11/01/09 02:42 PM
I have a question: Can someone explain the use of Twitter for business purposes? Aside from letting the world know I may not be available for the next hour or so, what purpose does it serve? I signed up, but have yet to use it. I just think if someone wants to reach me, they will call me and then leave a message if I do not answer the phone. They do not care where I am.
What are your thoughts on Twitter? Thank you for your responses!
Ann Sabbagh Vice-President Seacoast Mortgage Corporation Residential and Commercial Financing 508-243-1190 … (2 comments)
loan: What is YOUR idea to solve the housing crisis?
- 11/01/09 02:17 PM
Ok, with all the knowledge and experience of all of us at Active Rain, we should be able to come up with viable solutions to this housing crisis.
The $8000 first time home buyer credit has helped, but my fear is we will see foreclosures from this group of new buyers. How many people are coming out to buy a home simply because they are receiving the $8000? In fact, in some cases, they make money by buying a home ($100,000 purchase can only "cost" 3.5% down: $3500: finance all closing costs, is possible. So, in this case, the buyer … (3 comments)
loan: Are you afraid of trying something NEW ?
- 11/01/09 02:03 PM
"Come to the edge, he said. They said: We are afraid. Come to the edge, he said. They came. He pushed them - and they flew!" Guillaume Apollinaire
Have you ever felt afraid of trying something new? In this real estate industry, it is imperative you are NOT afraid, because we are in ever-changing environment. Gone are the days when buyers called their local realtor to "find a home". It is RARE. Now the internet is here. For those realtors relying on the phone to ring, the rings will be few. Look at the realtors who understand the power of … (2 comments)
loan: Are you OPEN-MINDED?
- 10/29/09 02:24 PM
"Close your eyes and let the mind expand. Let no fear of death or darkness arrest its course. Allow the mind to merge with mind. Let it flow out upon the great curve of consciousness. Let it soar on the wings of the great bird of duration. Up to the very Circle of Eternity." Hermes"
So, what does "Hermes" mean by this? Well, my interpretation is to let your mind not be confined to your own ideas and thoughts. Open your mind to the thoughts and ideas of others. Do not be stubborn and close-minded.
* Is the $8000 1st time home buyer credit being extended? * Is it going to be offered to everyone? * Are the income limits changing? * When is the new termination date?
There are so many real estate professionals talking about this, so let's get it straight as of this moment. Click on the latest:
Only the facts here, only the facts as of this moment....but you know this industry! Many changes in lending on a daily basis!
Ann Sabbagh Vice-President Seacoast Mortgage … (1 comments)
loan: Do you have regrets?? WELL DON'T!!!!!!!
- 10/29/09 01:19 PM
"Make it a rule of life never to regret and never to look back. Regret is an appalling waste of energy; you can not build on it, it's only good for wallowing in." Katherine Mansfield (1888-1923)
So, real estate agents, you may not have priced the last listing attempt correctly or you said something wrong during the appointment. Loan officers, you may have quoted the rate too high or forgot to ask for the tax returns when you pre-approved a borrower and then the underwriter noticed "unreimbursed employee expenses", thus lowering your pre-approval amount.
When is the last time you did an act of kindness for someone not in your immediate circle of family and friends? And when you do a kind act, do you talk about it and broadcast it? Or do you act kind so often that they go unremembered by you?
Try spending one day doing random acts of kindness to those you meet along life's way. See how you feel at the end of the day. If you wish … (1 comments)
loan: Do you WASTE time???? Do you know how to ENJOY life?
- 10/23/09 12:25 PM
"Make each day useful and cheerful and prove that you know the worth of time by employing it well. Then youth will be happy, old age without regret, and life a beautiful success." Louisa May Alcott (1832-1888), Author
Do YOU make each day useful? Or do you spend time thinking about what you need to do, thinking about what you wish you had done, or just wasting time in general?
Some of us need "to-do-lists" or we may do well by attending a time management class.
The most successful people in a sales industry, such as the … (6 comments)
loan: Know someone affected by BREAST CANCER? Please help them and others: PLEASE READ THIS!!!!
- 10/21/09 01:07 PM
Breast cancer is a leading cause of death for women (and men also suffer from this terrible disease). This Saturday, I will be walking for a cure. My mother and my mother-in-law are just two women who have been afflicted by this disease. I am sure all of you know someone who has been affected by breast cancer.
I know times are tough, but if you can afford anything, please log onto my personal donation page and donate for this cause. Every penny is appreciated! Please click this link: http://makingstrides.acsevents.org/site/TR/MakingStridesAgainstBreastCancer/MSABCFY10National?px=13375903&pg=personal&fr_id=19931#
I will keep all of my Active Rain's family … (2 comments)
Once you plug in your numbers, the "Retirement Calculator" will show you how much more you need to save OR if you saved "too much", God Bless YOU! You have done well. If you are not so fortunate, do … (3 comments)
So, do you face a problem knowing exactly where YOU stand on the issue? Give yourself a test: think of a similar situation in which you were involved: how did you react? How did you solve the problem?
Do you approach life and solve problems the way you live?
Ann Sabbagh … (0 comments)
loan: Remember the NEHEMIAH grant for FHA? Well, we have another one in the marketplace NOW!!!!!
- 10/15/09 03:01 PM
Remember the Nehemiah loan? It was the grant loan which FHA allowed. We were able to add the down payment to the sale price, which ultimately was added to the loan amount. For example, a $200,000 purchase would sell at $206,185. The extra $6185 was the 3% down payment which was required by FHA.
Nehemiah was terminated since it was discovered these loans had a higher incidence of foreclosures. Ok. So now we have the $8000 tax credit, which many borrowers are using to pay back gifts from relatives that were used as a down payment or to … (2 comments)
loan: Do you believe knowledge is POWER? Mario does!
- 10/13/09 03:21 PM
"Circumstances may cause interruptions and delays, but never lose sight of your goal. Prepare yourself in every way you can by increasing your knowledge and adding to your experience so that you can make the most of opportunity when it occurs." Mario Andretti Auto Racer
So, TRUE, Mario! The more education a real estate agent can grasp, i.e. learning about the internet and how to syndicate listings, the better the agent will be for the consumer. The more a loan officer educates themselves about loan products and learns about affordability and not just qualification, the better the loan officer will … (3 comments)
loan: R.I.P: THE LATEST LENDER DEATH: TAYLOR BEAN & WHITAKER: YOU WILL BE MISSED!
- 08/05/09 12:58 PM
I feel like the world is a different place...yet again! Taylor Bean & Whitaker: the 3rd largest FHA lender in the nation has closed its doors today due to a mistake by the "powers to be" in upper management. SO, many jobs were lost today along with many homeowners who had their loans in process are now scrambling to obtain a new mortgage, potentially at a higher rate.
In my little world, I ask myself, "With so few lenders left and there being so many homeowners still needing help, wouldn't … (5 comments)
loan: CLAIM THE $8000 THIS YEAR: NO NEED TO WAIT UNTIL NEXT YEAR!!!!!
- 03/01/09 11:03 AM
NO NEED TO WAIT UNTIL NEXT YEAR !!! YES! First time homebuyers can claim their $8000 credit this year IF they purchase before they file their 2008 tax return OR they amend their 2008 tax return after they purchased and filed to claim their $8000 credit ! In order to be eligible for the $8000, here are the rules: •1) Can not have owned a home in the past 3 years; •2) 10% of the purchase price or $8000: whichever is LESS is the credit; •3) Principal residence only; •4) Buyers must make less than $75,000 for singles or $150,000 for … (4 comments)
loan: FHA LOANS: AGENTS AND MORTGAGE BROKERS: WATCH OUT FOR THIS TEST ON MULTI-FAMILIES!!!
- 10/23/08 11:02 AM
So many loan officers forget about the "housing" check for 3 or 4 family FHA purchases. Desktop underwriting does NOT check for this, so it is a manual check. I have heard about loans failing at other companies because of this and it is a simple check that can be done by the agent or the mortgage broker.
The "housing" check is simply the following:
Add the market rents from the appraisal and multiply by 85%. The result of this equation MUST be EQUAL TO OR GREATER THAN the PITI (Principal, Interest, Taxes and Insurance) PLUS PMI total.
Seacoast Mortgage: Your place for:RI loans, MA loans, CT loans, FL loans, commercial loans, residential loans, FHA, VA, USDA, 100% financing, FSBO (for sale by owner) assistance.
Find a loan in RI, find a loan in MA, find a loan in CT,RI mortgages,CT mortgages,FL mortgages,MA mortgages.
Do you qualify for a loan? At Seacoast Mortgage, we qualify you within your means. What you can afford is different than what you qualify for. Call us today!
"THE MIND THAT TRIES TO REST ONLY ON THE SURFACE OF THINGS WILL BE TOSSED ABOUT IN EVERY STORM. Dive deeper to where the peace is."
;)
;)
;)
