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streamline: Dalia Lama : Life's 19 simple steps to HAPPINESS: - 02/28/10 10:31 PM
Dalia Lama sums up how to live life in 19 steps. I hope you gain something from this post:
1. Take into account that great love and great achievements involve great risk.
2. When you lose, don't lose the lesson.
3. Follow the three Rs: Respect for self, Respect for others and Responsibility for all your actions.
4. Remember that not getting what you want is sometimes a wonderful stroke of luck.
5. Learn the rules so you know how to break them properly.
6. Don't let a little dispute injure a great friendship.
7. When you realize you've made … (3 comments)
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streamline: Social security surplus? GONE! First time in its history! - 02/08/10 10:28 PM
Oh NO! Social Security surplus is GONE! First year this has happened. It is being attributed to the recession. With so many layoffs, employees have taken early retirement by accepting a "golden hand shake" or by having no choice.
This crisis was coming but it was rushed by the recession. So, the question is "now what"? A social security bail-out is inevitable. And they may raise the retirement age again. If medical technology can keep us alive an extra 10 years, we should be able to work an extra ten, right?
Where does all this bail-out end?
Ann … (3 comments)
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streamline: Is it time to CHANGE how you conduct business? Need to make 2010 successful? - 01/17/10 09:59 PM
"You can't direct the wind - but you can adjust your sails." Anonymous
Had a tough 2009? 2008 was not a good year either? Well, then it is time to CHANGE what you are doing to attract business. Many agents conduct business the old traditional ways and continue to be successful. But times have changed and we need to adapt to those changes. It's time to "adjust your sails".
Becoming more internet savvy will increase your business. Take computer classes. Education can only help and not hurt you. Buyers search the net to purchase homes. So, you need to be able … (6 comments)
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streamline: Do YOU fantasize? The DR. says it is ok! And actually good! - 12/02/09 09:00 PM
Yes, I fantasize...doesn't everyone? Now, come on, I know what at least 50% of you are thinking! But fantasizing can include all aspects of life.
Just today I was fantasizing I was on the beach in Florida working from my cell phone and financing every client I met and closed them all in 5 days. Ahhhhh: great fantasy!
Here is a quote from Dr. Seuss:
"I like nonsense; it wakes up the brain cells. Fantasy is a necessary ingredient in living; it's a way of looking at life through the wrong end of a telescope. Which is what I do, … (1 comments)
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streamline: How many computer "experts" have you hired/paid to assist you in your endeavors? - 12/01/09 09:01 PM
Well, I am now going on my 5th! I have yet to understand how to achieve a higher ranking in google. Everyone tells me something different. If I google my name, I am on over 7300 web pages. My website has been tagged to all these web pages, but yet my website is no where near the top of the google search.
I have been told "tags" work. Then I see a video from google that shows Mr. Google stating "tags" are meaningless in the search engine. "Description" means something, though. Linking to others is supposed to help. I have done … (12 comments)
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streamline: VA LOANS ARE still ALIVE AND WELL!: Up-to-date information - 11/30/09 09:01 PM
A VA loan is 100% financing with NO monthly PMI. It is available to all on active duty and their spouses and those veterans not currently active. This loan is easier to obtain than conventional financing. A veteran CAN use their entitlement again under certain conditions. It can be used for 1-4 unit owner occupied residences.
The veteran borrower is charged a nonrefundable upfront funding fee, which can be financed, instead of a mortgage insurance premium. This fee is 2.15% of the loan amount for a first-time service veteran making no down payment. It is higher for reservists & for … (0 comments)
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streamline: I HIT THE 50,000 MARK! THANK YOU ACTIVE RAIN COLLEAGUES! - 11/29/09 06:45 PM
So, here I am at the 50,000 mark! What have I learned? Have I accomplished anything?
I say "YES." I have learned so much from this community: how to network, learn from each other's trials and tribulations, find information so easily, the list goes on......
Also, I have generated leads from Active Rain and the consumers have been happy. I believe they come here to see and find someone who spends time on their business. Who is willing to dedicate hours and hours educating others and collaborating with others? A consumer always wants a professional who is knowledgeable of their … (3 comments)
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streamline: Are YOU happy in your job? HAPPY? - 11/29/09 06:30 PM
"Man is happy only as he finds work worth doing - and does it well." E. Merrill Root (1895-1973) American Writer
Doesn't this make sense? If you enjoy what you do, you are happy! Pure and simple! If you leave work every day and say things like, "I hate my job" or "I wish I could be doing something different", then it is time you change your job! Now this might not be the easiest task in this market, but isn't your happiness worth the time it will take to find a new job?
If you are unhappy with this … (2 comments)
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streamline: What is LIFE ALL ABOUT? Do you know? - 11/21/09 11:11 AM
"You are a wise soul who unlocks the mysteries of life by beginning with the self."
By knowing yourself, you can begin to understand life and how you can "fit in". We all wonder "what is life all about"? Perhaps we should ask ourselves "what am I all about"? Perhaps I want to help others or I just want to help myself and my family. Whatever it is you want out of life, figure that out first and then figure out how to attain it.
Get to know yourself TODAY!
Ann Sabbagh
Vice-President
Seacoast Mortgage
508-243-1190
Residential & Commercial … (2 comments)
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streamline: FOUR 30 DAY LATES ON A MORTGAGE AND THEY RECEIVED A 5.625% FIXED RATE! BELIEVE IT! IT CLOSED! - 01/28/09 09:37 PM
Four 30 day lates and they received a mortgage? ABSOLUTELY! This is a classic example that if you do your homework and do the following, you can accomplish a loan that is a "common sense loan".
•1) Do you believe in the loan and the borrower?
•2) Are there compensating factors?
•3) Is there a logical explanation for the lates or other derogatory credit that can be explained and substantiated with documented proof?
If you answered "yes" to all the above, take an application and let's begin!
My borrowers were trying to sell their home and 4 times, the closing … (1 comments)
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streamline: FORECLOSURES FREEZE EXTENDED UNTIL JANUARY 31 ! WHAT SHOULD YOU DO TO AVOID FORECLOSURE? - 01/23/09 11:09 PM
FNMA has extended the moratorium on foreclosures for those homeowners who are 90 days delinquent on their mortgage to January 31. FNMA estimates about 6000 homeowners are facing foreclosure between now and then.
Will this moratorium work? Not if the current lenders are unwilling to loan modify their current loan. Some lenders are doing a great job of loan modifying. For those homeowners who have been successful, they have provided me with the following "tips":
•1) Tell your current lender you absolutely cannot afford the payment and forward to them income data and expenses to reflect your hardship.
•2) It … (7 comments)
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streamline: STREAMLINE REFINANCES: FREEEEEEEEE !!!!!!!! - 01/14/09 09:49 PM
Have an FHA loan? Streamline refinances are the best way to lower a rate! Find a lender who will refinance you at NO cost. This includes NOT adding to the loan amount and NOT charging anything at the table. If the borrower does not need cash out, an appraisal is not even needed!
So, even if a homeowner is upside down (they owe more than the house is worth), a streamline can be approved. The streamline is allowed for all FHA loans. Even FHA loans on properties that may now be investment, which were once owner-occupied are eligible for … (1 comments)
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streamline: UPSIDE DOWN ON A MORTGAGE: IS IT FHA? YOU CAN REFINANCE!!!!! - 10/18/08 03:09 PM
Did you know you can STREAMLINE an FHA loan?
Streamlining is simply refinancing the existing mortgage REGARDLESS of the value of the home! So, if you have an FHA loan and you are "upside down"; FHA DOES NOT CARE! Simply contact an FHA lender (like me!) and streamline down to a lower rate.
AND! You can do this at NO cost!!! If you pay closing costs, the rate would be lower.
This is the BIGGEST advantage of an FHA loan! Take advantage: TODAY!
Ann Sabbagh
Vice-President
Seacoast Mortgage
508-243-1190 (cell)
www.annsabbagh.com
"When you choose me … (1 comments)
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streamline: UPSIDE DOWN on your mortgage???? Have an FHA loan? Check this out! - 04/23/08 07:48 PM
We are in a mortgage crisis and many homeowners owe more than their home is worth: OUCH! Well, if they have an FHA loan, they should look into a STREAMLINE refinance. A streamline will lower their rate and save them money!
Streamlining does not require an appraisal; there are no closing costs; no employment verification, no credit scoring, no debt to income requirement. You just need a good mortage history with no late payments; unless the late payment was AFTER a rate adjustment.
Yes, this is true!!!! FHA is a GREAT loan product, especially in a market like today's market.
… (9 comments)
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Ann Sabbagh, President, Sr. Loan Officer
Pawtucket,
RI
More about me…
Seacoast Mortgage Corporation, RI, MA & CT
Address: 267 NEWPORT AVENUE, PAWTUCKET, RI, 02861
Office Phone: (401) 475-1600 x 306
Cell Phone: (508) 243-1190
Email Me
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!
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