spokane home loan: Quick FHA Update - 03/05/10 02:53 PM
Upfront MIP changing from 1.75% to 2.25%
I just wanted to let everyone know that the FHA change in upfront Mortgage Insurance Premium is quickly approaching!! April 5th is the date that FHA raises the upfront premium from 1.75% to 2.25% of the loan amount. 1/2 a percent increase is pretty significant and should motivate buyers to focus in - Simple math on a $200k loan the borrower will be looking at an extra $1,000.00 in Mortgage Insurance Premium!! The key to avoiding this hike is to get your FHA buyer under contact prior to 4/5/10 so that an FHA case number can … (3 comments)
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spokane home loan: An amazing blog for Eco-Friendly Spokanites...or anyone for that matter - 06/17/08 12:34 PM
I stumbled across this blog on acceident one day. After reading it for about 5 minutes, I immediately saved the link to My Favorites and currently access it daily. This blog is one of the most thorough eco-friendly blogs I have read...and the best thing??? It is in our own backyard! Bart Mihailovich and Paul Dillon are EWU grads and are journalists for the Spokesman Review! I may be a little too excited about this, but I wanted to share this find with you guys. I hope you find it as awesome as I haveand access it daily. http://dte.spokesmanreview.com/
Below is an excerpt out of … (2 comments)
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spokane home loan: Don't just list advantages...Show Value & Add Value! - 06/17/08 11:04 AM
Below is a recap of a Jeffrey Gitomer eZine for this week. I found it refreshing and gained something from it. I thought I would share it with you.
Most companies train 90% product knowledge, 10% sales knowledge.
Big mistake.
The percentage should be: 20% product or service, 80% sales, personal development, attitude, and presentation skills.Salespeople spend 80% of their time OR MORE trying to explain their product. Why their button is different than the competition's button. Why their product is the greatest thing since sliced bread.
It is referred to as "educating the customer," and some see it as an … (4 comments)
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spokane home loan: Stay Hungry. Stay Foolish. - 06/16/08 12:09 PM
Below is the text of the Commencement address by Steve Jobs, CEO of Apple Computer and of Pixar Animation Studios, delivered on June 12, 2005. I thought I would share this with you today, in hopes that you gain a personal insight, possibly answer a few questions or at least hopefully think and understand how precious, beautiful and short life is.
Life it too short to do something you don't love. Live, Laugh, Love and Learn. CARPE DIEM!
Stay hungry. Stay Foolish.
"I am honored to be with you today at your commencement from one of the finest universities in … (4 comments)
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spokane home loan: Green Tip for you "Printers" out there - 06/13/08 06:31 PM
Are you using your paper to its full cpacity?
There is more space on the page than you think. Your computer's common default settings are 12-point type and 1.25-inch left- and right-hand margins.
Try using 11-point type, 1-inch margins, and 0.5-inch right-hand margins.
That's all it takes to fit 27 percent more information comfortably on a page. A simple adjustment that will save paper, still leave you plenty of room on the margins and keep your document very professional looking.
… (6 comments)
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spokane home loan: 22 Helpful Links for real-estate and business professionals (Part 4 of 4) - 06/12/08 10:50 AM
Here is the last set 22 links that you may find value in. Take your time and don't be overwhelmed. They all contain a good amount of information, free services, marketing ideas or other helpful ideas! Maybe tackle 3-5 a sitting and see if they can help you out. I hope a few help you guys!
•1. www.classifiedflyerads.com - provides a free blog
•2. www.digg.com - place for people to discover and share content from anywhere on the web
•3. www.flickr.com - upload and share your photos - view the world.
•4. www.incredibleagents.com - Make sure you are listed!
•5. www.mayorofyourzipcode.com … (6 comments)
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spokane home loan: 22 Helpful Links for real-estate and business professionals (Part 3 of 4) - 06/11/08 02:16 PM
Here is the 3rd set of 22 links that you may find value in. Take your time and don't be overwhelmed. They all contain a good amount of information, free services, marketing ideas or other helpful ideas! Maybe tackle 3-5 a sitting and see if they can help you out. I hope a few help you guys!
•1. www.ebates.com - register your clients and they get a free gift card
•2. www.floodsmart.gov - check the flood zone on any property
•3. www.hyplet.com - free online contact widgets
•4. www.Igoggle.com - create a personalized and user friendly browser home page
•5. www.imagechef.com- customize signs … (4 comments)
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spokane home loan: 22 Helpful Links for real-estate and business professionals (Part 2 of 4) - 06/10/08 12:35 PM
Here is the 2nd set of 22 links that you may find value in. Take your time and don't be overwhelmed. They all contain a good amount of information, free services, marketing ideas or other helpful ideas! Maybe tackle 3-5 a sitting and see if they can help you out. I hope a few help you guys!
•1. www.mozy.com -- for only $4.95 a month, they automatically back up your pc and laptop while you're sleeping every night. The back up is not just data---it's all my programs, emails, etc. If your computer goes down or needs to be replaced, just … (1 comments)
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spokane home loan: 22 Helpful Links for real-estate and business professionals (Part 1 of 4) - 06/09/08 05:35 PM
Here is the first set of 22 links that you may find value in. Take your time and don't be overwhelmed. They all contain a good amount of information, free services, marketing ideas or other helpful ideas! Maybe tackle 3-5 a sitting and see if they can help you out. I hope a few help you guys!
•1. www.Slide.com - Creates Free slide shows. Great for Website, Listings, Family and Friends etc.
•2. www.Meebo.com - A Free Online Chat Module for your website or ActiveRain Profile Page
•3. www.twitter.com -- communicate and stay connected through the exchange of quick, frequent answers … (12 comments)
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spokane home loan: Try a Community Bank for your next home loan - 05/15/08 12:17 PM
Despite the current market turmoil, community banks are in solid shape: They have plenty of liquidity, sensible underwriting standards, and are ready to lend - factors essential to keeping your community strong and families secure in their homes. For the most part community lenders did not create nor contribute to the subprime mortgage crisis.
With all the doom and gloom that you hear in the media about lending and the changes to lending guidelines I recommend looking at one of your local banks. Obviously I may be a little biased, but these banks for the most part offer all the products … (0 comments)
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spokane home loan: Mortgage Professional's - You will want to use this. - 05/08/08 05:22 PM
This is a repost from a month or so ago, but I thought it was worth sharing again for those that may have missed it. Have a good one!
Do you have a crystal ball to tell you where interest rates are going?
Well neither do I...but I found something close!
If you are using the 10yr Treasury you are not as accurate as you can be.
Matt's blog is the most detailed interest rate resource that I have found on the net. And the best part? It's Free.
http://www.mortgagenewsdaily.com/mortgage_rates/blog/
Matt is an absolute genius when it comes to following the external factors that govern mortgage rates … (2 comments)
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spokane home loan: Taking time out to compliment a great appraiser - 04/21/08 05:43 PM
I wanted to take time out of my day to promote an appraiser in the Spokane market that I think does an amazing job. Samuel Hess with SRH Appraisals, has quick turn around, great communication, strives to be the best in his field and is a great appraiser!
A Spokane "lifer" he is a Mead High School and Gonzaga University graduate. He specializes in Spokane County and the surrounding areas. He am a one man shop that strives to provide high quality appraisals in short time frames. Service is always highly regarded as his #1 priority. What sets him apart from many of the … (3 comments)
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spokane home loan: I Love Spokane! - 04/14/08 03:57 PM
Why you ask? Well while the 4 seasons, generally nice people, good schools and the entrepreneurial flare of the city are nice, the main reason I love Spokane is that it is different. Take for example the article below. If a person from Spokane was to read this and really think that the reasons for not buying a home, applied to our outlook they would be making a huge mistake! Not only has the Spokane market not depreciating, it never has had a depreciating year since they started tracking the statistic in this market. That said we aren't going to see … (0 comments)
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spokane home loan: Random Facts from a Credit Scoring Seminar I attended... - 04/10/08 05:56 PM
I attended a credit scoring seminar this morning in attempts to learn something new and I am glad I did. Now most of the seminar was review for me, some info jogged my memory and some of it was new. Below I have listed a few topics that I thought you could benefit from knowing.
WHAT GOES INTO A CREDIT SCORE?
The approximate makeup of the FICO score Fair Isaac discloses to consumers
Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are … (10 comments)
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spokane home loan: It has been 1 Month since my first Blog...I have learned a TON! - 04/07/08 01:05 PM
March 7th 2008
This was the date of my very first blog...EVER. Since that date, contributed 30 blog posts and this will be my 31st. I thoroughly enjoy reading other people's blogs as much as I like to post my own. During these past 30 days I have found numerous professionals and have learned a great deal on this site. I have an unquenchable thirst for learning my craft. I can't get enough. As I have stumbled across professionals that seem to add something to my life with every read of their blog i have subscribed. I have subscribed to blogs that … (25 comments)
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spokane home loan: Five Questions That Change Everything - 04/07/08 10:49 AM
I waited a few days to post this blog, to see if the "hype" that comes from a live demonstration was just just that. I wanted to amke sure that if I was to post on this, that i still beleived in it after the initial hype had faded. So here goes!
Last Thursday I had the unique opportunity to go and listen to John Scherer speak about his upcoming book. I am in the process of reading his 1993 book Work in the Human Sprirt and it is definitely an amazing read so far. John, himself, seems like a well spoken … (14 comments)
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spokane home loan: My perspective on the Bankrate.com Mortgage Rate Index - 04/03/08 03:31 PM
After reading the Bankrate.com's Mortgage Rate Index (posted below) this morning I fell into a slight depression...but quickly snapped out of it. Granted the survey is based on a popular vote, but most of the people that read these surveys and participate in them I like to think are pretty well educated in the mortgage market...Maybe I am giving too much credit, I don't know. The survey asked what we thought rates would do in the next 30 days...as a mortgage professional you are taught to think that rates will increase...regardless if that is the case. You are dealing with other people's … (3 comments)
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