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Each month AR runs numerous contests as a way for our members to engage in activities
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My first year as a mortgage broker! Hurricanes and more - woohoo! - 05/28/08 11:55 AM
My first year as a mortgage broker was quite an experience from going to beautiful restaurants for lunch with CPAs to meeting with developers to 3 hurricanes within 6 weeks. What a year! My first year as a mortgage broker was actually my second year in the mortgage industry. My first year I made $12,536 as a loan processor (you can read about that year in my blog below). It was a an up and down year from closing my first mortgage that I originated, to meeting with CPAs and developers for referral sources, to having 3 hurricanes hit my home. This (0 comments)
30 Ways to Save Gas! Please read and comment! - 05/27/08 03:35 PM
The pain at the pump is hurting our bottomline. As real estate professionals we are always on the road showing a new home or taking a loan application. Here are some great tips I found on www.howtoadvice.com The surest way you can improve your fuel cost problem is to change your motoring habits. Listed below under four categories are 30 effective methods of doing so... no need to buy expensive add-on equipment. ENGINE WARM-UP 1. Avoid prolonged warming up of engine, even on cold mornings - 30 to 45 seconds is plenty of time. 2. Be sure the automatic choke is (13 comments)
S&P Housing Price Index released today... Some bad news... - 05/27/08 11:56 AM
The S&P/Case-Shiller Home Price Indices were released this morning. I have reviewed the data and the news is not very good. The U.S. national index was developed to measure the changing price in home values in particular markets across the U.S. This report is a 3 month average with a 2 month lag. The methodology used to determine the U.S. national index is the repeat sales method. The index is a 3 month review of homes in 20 markets across the U.S. All homes sold are reviewed and then checked for prior sale. This review is only on single family residences and doesnt include condos, (4 comments)
Pay off your home faster than before! - 05/27/08 09:36 AM
Foreclosures are on the rise and home prices are falling. Read below to see how you can pay off your home faster than before without a change to spending habits. This idea is nothing new. Many people in Europe and Australia have been using this as a way to pay off their home for years now.
There are 2 ways to pay off your home faster. One option is to buy a $3,500 computer program and the other is to refinance into a first lien line of credit. Either option will work. I will explain how each one works and give you some (2 comments)
I became a licensed mortgage broker after processing loans for 10 months. I passed the exam with flying colors, scored a 96. I was working with a friend who had been a broker for about 2 years. I started as anyone would - I started calling and telling all of my friends and family about how I became a mortgage broker. I finally got my first deal from my wife's friend who told (0 comments)
Views of Obama, Clinton, and McCain on housing. - 05/22/08 09:54 AM
The following is cut directly from each campaigns website on how each candidate plans on dealing with the housing and mortgage crisis this country currently faces. I want this blog to be about why we would elect a candidate strictly based on where they stand in helping our industry improve. Please comment if you have other sources of information to help us review where each candidate stands. From BarackObama.com Protect Homeownership and Crack Down on Mortgage Fraud Obama will crack down on fraudulent brokers and lenders. He will also make sure homebuyers have honest and complete information about their mortgage options, (4 comments)
102% Financing may be available in your area! This is real... - 05/22/08 06:49 AM
Many people across the country have seen the finance industry starting to pull back on financing in their area. Subprime is pretty much gone along with Alt-A financing. Fannie Mae (FNMA) and Freddie Mac (FHLMMC) are still out there with My Community and Flex 100 which offer 100% financing. The only problem is that those programs require MI (mortgage insurance) and if you are in a declining market you will have a 5% LTV (loan to value) cut. This means 95% is now the highest financing FNMA/FHLMC offer. This is the reason FHA is on the rise. It finances 97.5% and (4 comments)
Craigslist Fraud and Scam Warning! - 05/21/08 02:10 PM
Please read and tell everyone you know! My wife was helping her sister find a new place to rent and started to search Craigslist. She found a wonderful 4/2.5 in the Bay Hill subdivision here in Orlando for only $1,000 per month. She then emailed the person doing the listing and they emailed back about how they were traveling oversees with their church group and the home was given to them after their father passed away. That was the reason they only wanted $1,000 for rent and they also wanted know that my wife's sister was a good Christian woman who (8 comments)
$12,536 My First Year Salary - before taxes - 05/21/08 07:46 AM
Many people have asked me over the years about what college I went to in becoming a mortgage broker or as a wholesale account executive. My answer is always the same. I learned on the job as a processor and I made $12,536 in my first year on my W-2 before taxes. I found it very tough living on such a small wage, but I wouldn't trade that year for anything because that was were I learned the business. I actually fell in love with it. I have always been good with numbers, solving problems, and loved talking with people. That (10 comments)
My first day in the mortgage industry! - 05/20/08 02:05 PM
I started in the mortgage industry in June 2003 working for a CPA who also happened to do loans. I was a processor and knew absolutely nothing about mortgages or who Fannie was or what an ARM loan was and how it worked. My very first day my boss came in and told me to put the files in the office in state compliance format. There was 300 files and I didnt have a clue. He handed me a sheet of paper that had the stacking order for the file. You know the usual... HUD Settlement Statement, 1008, 1003, etc. The (9 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.