mortgage: Is anyone looking at me? - 12/09/09 04:36 AM
Do you have a website? STOP. If not go and get one. They are really cheap. If you need one there is a really easy way to get one. Go and get a bid from hundereds of developers at www.elance.com. You will be amazed how many developers will work for next to nothing.
Once you have a website you need visitors right?
Well. Listen up Active Rainers here are a couple of fairly simple ways to give people a reason to interact and also make it easy for them to interact with your website. 1. A Reason: The rule of thumb … (6 comments)
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mortgage: GEORGIA PROPERTY TAXES - IMPORTANT DUE DATES FOR 2009 - 08/28/09 09:55 AM
Many property tax deadlines have been extended for 2009:
Fulton County: bills have not been generated yet- the county is seeking a Temporary Collection order to bill and collect taxes
Usual due date: October 15th
2009 due date: Undetermined
City of Atlanta: if in Fulton County, will be billed as shown above
If in DeKalb County, already billed and due 9/15/09
DeKalb County: payable in two installments
1. 8/31 (extended from 8/15 just for 2009)
2. 11/15 (same deadline for 2nd installment)
Gwinnett County: payable in two installments
1. 10/15 (extended from 9/15 just for 2009)
2. 11/15 (same deadline for … (0 comments)
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mortgage: The 10 Commandments - when applying for a mortgage - 08/27/09 01:16 PM
1. Thou shalt not change jobs, become self-employed or quit your job. Longer employment time shows stability and a reduced likelyhood of default.
2. Thou shalt not buy a car, truck or van (or you may be
living in it)! This will increase your debt to income ratio.
3. Thou shalt not use charge cards excessively or let your
accounts fall behind. This shows poor money management and an increased risk of default.
4. Thou shalt not spend money you have set aside for closing. It costs money to borrow money - make sure you have enough.
5. Thou shalt not … (3 comments)
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mortgage: 95% Conventional Financing is Back - 08/27/09 12:10 PM
Wonderful News.
95% conventional loans are back!
Academy Mortgage can now offer a combo loan with a 80% first loan and a 15% second loan.
This is great news as it was very difficult to get mortgage insurance ob loans greater than 90%.
Call Craig Bland at 678-234-0545 for more details.
… (0 comments)
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mortgage: "Talk to the Hand: The Utter Bloody Rudeness of Everyday Life" - 08/19/09 04:20 PM
"Manners are about showing consideration and using empathy. But they are also about being connected to a common good; they are about being better. Respect and consideration are traditionally due to people for all sorts of reasons, some big, some small. Here are 20 (most lapsed) reasons to show special politeness to other people: 1. They are older. 2. They know more than you do. 3. They know less than you do. 4. They got here first. 5. They have educational qualifications in the subject under discussion. 6. You are in their house. 7. They once helped you financially. 8. They … (1 comments)
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mortgage: Possible Extension of the Home Buying Credit - 06/24/09 11:33 AM
Yesterday, USA Today reported that Congress is considering an extension of the first-time home-buyer credit due to expire this fall. Some in Congress are even proposing to raise the credit from $8,000 to $15,000 and apply it to anyone who buys a home.
It seems likely the credit will be extended beyond the fall as there are a few proposed House bills to do so. Each bill carries a different twist beyond merely extending the credit past the fall.
According to the article, four separate proposals and ideas to continue to spur the housing market have emerged:
A Senate bill submitted … (0 comments)
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mortgage: Are Banks Stupid? - 06/03/09 09:43 AM
I know that is a rhetorical question and I am sure like me you truly believe that banks are stupid anyway but let me elaborate.
Question. If someone buys a car today and in a year the car is repossessed what happens? Well the car is taken back and put on a car lot and sold for what the Kelly Blue Book tells the dealer what the value should be. Correct?
Question. Why on earth are banks taking houses back in foreclosure and then taking huge losses on those homes and selling them at 30-40% of what they are … (7 comments)
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mortgage: Refi Plus is HERE! - 04/15/09 12:16 PM
Effective 4/15/2009, Academy Mortgage (678-234-0545) will begin accepting loan application and locks on loans originated using Fannie Mae's DU Refi Plus program.
DU REFI PLUS CRITERIA
•· Rate and Term (no cash out) refinance of an existing Fannie Mae loan.
•· Owner Occupied transaction only
•· Mortgage Insurance will be waived if the existing mortgage was originated with an Loan to Value less than or equal to 80%. DU will issue the following message:
•o Mortgage Insurance is not required for the DU Refi Plus loan case file.
•· Maximum LTV of 95% (2nd loans no limit on combined CLTV)
•· No maximum … (0 comments)
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mortgage: USDA Rural Housing Loans up to 102% of Appraised Value - 04/03/09 07:42 AM
USDA Rural Housing Loans up to 102% of Appraised Value
If you live in a rural area of Georgia, and have little or no money to put down on the purchase of a home, we may have very good news for you.
USDA rural housing loan programs offer flexible underwriting guidelines, relaxed credit requirements, no PMI (private mortgage insurance) options, and the ability to finance closing costs into the loan amount. They also offer lenient seller concessions, and rates as low or lower than conventional fixed-rate mortgage programs.
Loans may be for up to 102% of the appraised value or sales … (0 comments)
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mortgage: First-Time Homebuyer Tax Credit - Revised Feb 2009. $8000 limit - 02/14/09 07:39 AM
$8000 FIRST-TIME HOMEBUYER TAX CREDIT
As Modified in the American Recovery and Reinvestment Act
Major Modifications Shaded - February 2009
NOT YET SIGNED INTO LAW (as of posting)
EXPERIENCE THE DIFFERENCE - CALL ME FOR ALL YOUR MORTGAGE BUYER NEEDS.
… (0 comments)
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mortgage: 29 Low-Cost or Free Marketing Ideas - 10/07/08 09:06 PM
29 Low-Cost (even free) Marketing Ideas
Keeping in touch with your clients and staying visible in your community doesn’t have to cost you a bundle. Take a look at some creative, inexpensive and even free ways you can keep your business growing.
1. Send a Digital Newsletter each month packed with useful articles and tips for your clients. (You can use a service like constant contact for a very small fee)
2. Write a personal email just checking in and send it to ALL of your clients.
3. Email a piece of Trivia to … (11 comments)
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mortgage: Sick and Tired of the Mainline Media - 10/07/08 08:47 PM
Let me ask you a question. Am I the only one who is sick and tired of the mainline media giving us nothing but bad news about the economy? I know I know we are in a terrible position right now and as a mortgage consultant I believe I am part of the problems that we currently have but come on. I don’t know about you but I am ready for the press and TV to back off and start looking at some positives.
You would think based on what you hear that no banks are offering any loans … (0 comments)
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mortgage: High Velocity Radio - Craig Bland interviewed by Stone Payton - 10/07/08 05:03 PM
Take a few moments to listen to my interview on the HIGH VELOCITY RADIO SHOW. Stone Payton did a great job of asking some very important questions about today's financial climate. There are also some great pointers on how Craig became one of the top mortgage bankers in GA.
http://marketmate.org/hvradio.html
Craig Bland - 678-234-0545
… (1 comments)
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mortgage: No Closing Costs - 10/02/08 06:12 AM
If you live in the Atlanta Metro or other big cities I am sure you have heard the guy talking about the no closing cost mortgage. He calls it the biggest no brainer in the history of the universe.
It goes something like... Don’t pay closing costs. Don’t give those pimps your money. We’ll close your loan for free, No Closing Costs! Then we’ll manage your loan for you. We’ll sit back, watch the market and the when the time is right, we’ll do it all over again. It’s the biggest no-brainer in the history of man!’
Well, he’s right. It … (10 comments)
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mortgage: A Trusted Mortgage Advisor - More Important Than Ever - 08/15/08 06:08 AM
Yes but I want the lowest rate.
When shopping for a mortgage most would say they want the lowest rate possible. I hear you, in fact as a top producing loan officer I hear that everyday and do you know what, I want the lowest rate for you also, and if you call me you WILL get my lowest rate available.
100% of my business comes from referrals from Real Estate Agents, Builders and most importantly past clients. Now why would a past client refer their friends and family to me? Quite simple really. The main reason they refer is because … (0 comments)
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