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loans: READ THIS NOW!! 5 Secrets to Exploding Your Marketing Efforts..... - 12/08/07 01:53 PM
  Well if you're reading this then I may be on to something here.  Here are 5 Secrets to help you Explode your marketing efforts!
1. Solve a problem:  At any given time we all have hundreds of thousands of things going through our minds.  Many times without our conscious mind knowing our subconscious is trying to solve a problem.  If our marketing can demonstrate the ability to solve a problem, that is the first key to getting someone's attention.
2. 80-90% of your time should be spent on the headline.  If your headline doesn't get attention, the rest of your marketing will … (4 comments)

loans: Partnering for Profit: How to Increase Your Annual Income! - 12/08/07 01:40 PM
  As a loan officer, one of major ways I've learned to position myself in the industry is by the law of reciprocity.  It's a really great feeling to call a Realtor with whom you would like to establish a relationship with and be able to introduce yourself with a new client for them.  Let's face it, we are all working a little harder these days to generate business.  I have found that one way to keep a Realtor loyal is to honor a code of reciprocity.  Here are a few ideas to help with generating free to low cost leads to … (2 comments)

loans: Want Your Own Free Radio Show? - 12/07/07 09:34 AM
    It's so great to surround yourself with individuals who are helping to sharpen the saw.  A good friend of mine emailed me a couple of weeks ago and sent me a link inviting me to listen in to her own personal radio show.  As I prepared to listen to it this week, I logged on and found out that anyone can actually have their own show and best of all it's FREE!  So, I'll be kicking off Cecelia Knows Mortgages at the beginning of the year, a weekly show designed to empower individuals and families around their finances and homeownership.  … (6 comments)

loans: Hope maybe in sight for clients with ARM's due to reset! - 11/30/07 04:28 PM
  An article I read today, stated that lenders are currently discussing a new program that would allow current borrower's to freeze their ARM's due to high rates of foreclosure.  The Initiative is called HOPE NOW.  Some of the participating banks include Bank of America, Citigroup, Inc, Countrywide Financial Corp., Fannie Mae and Freddie Mac, JP Morgan Chase & Co., just to name a few.  It appears that the long term effects of increasing foreclosures are causing more conversations revolving around solutions.  If you'd like to read more please click the link below.  Quick read! Just keeping you informed.  Sounds like … (1 comments)

loans: Bad Credit? I Dare You! - 11/29/07 11:00 PM
  I've learned in my years of experience as a Mortgage Broker, that there are typically two things that hinder people from buying a home, lack of fiscal management (BAD CREDIT) and lack of fiscal management (High DTI). So, if there was a way to help individuals who really wanted to increase their credit score and or reduce their debt, would you be interested in doing so.  Of course you would, that would mean more homes sold and more loans closed, so here are a few tips.
1. All consumers are entitled to one free credit report per year.  Visit www.annualcreditreport.com, while … (3 comments)

loans: Do You Have a Broken ARM? - 11/29/07 09:17 PM
    With approximately 31% of loans originated in 2005 being Adjustable Rate Mortgages and an estimated $1 Trillion dollars in mortgage debt due to reset this year, I wonder how many past customers have been called this year to just simply say, "How are things going?"  Sometimes, it's difficult to call clients with whom we haven't kept in contact with over the years, however, I bet if you started the conversation by asking them if they have a broken ARM? It would totally relax the person on the other end.  Here are a few reasons why past customers should be called.
1. … (24 comments)

loans: New FHA Secure Program! - 11/17/07 05:47 PM
   FHA is currently doing a significant business in refinancing non-FHA mortgages.  The program is designed to help homeowners, who previously demonstrated the ability to make timely monthly mortgage payments prior  to their reset of an Adjustable Rate Mortgage (ARM) an opportunity to refinance into a prime-rate FHA-insured mortgage. In many cases homeowners may be permitted to include mortgage payment arrearages into the new loan amount, subject to existing geographical mortgage limits and the loan-to-value limits.
 Eligibility Highlights
 1. The mortgage being refinanced is a non-FHA ARM that has reset.
 2.  6 months of current mortgage payments prior to the ARM reset.
3. It must be determined that … (4 comments)

 
Cecelia

Cecelia Marlow

Chicago, IL

More about me…

Chicago Bancorp

Address: 300 N Elizabeth, FL 3E, Chicago, IL, 60607

Office Phone: (312) 738-6294

Cell Phone: (773) 547-3677

Email Me

Real Estate Information an Education

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