What is the deal with this guy?  They ask a legitimate question or near legitimate question and they have no logical out come in mind.  It really makes you mad when you think your blog is reaching someone and it isn't. 

 

Dave Woodson

The Indiana FHA Expert

Via Chanda Barrick REALTOR (Indianapolis, Avon, Greenwood) (1st Choice Real Estate Group):

I thought I was starting to pick up more hits from people interested in obtaining information related to the tax credit, home buying, etc, but apparently it's a new scam.  The only thing is...I don't know why they are doing it

Is it simply email harvesting so they can sell my address to a million other people that want to spam me or is it something even more sinister?

Last week I received an email from "Frank" regarding the tax credit.  I thought "Mike/Frank" found my blog about the tax credit and had additional questions about how the credit works.  I thought it was odd that he signed as "Frank", but the email address was "Mike"...  I searched the internet for this particular address, but didn't come up with much so I responded...

Here's "Frank's" message:

From:"mike.power200@gmail.com"
To:chandasellsindy
Sent: Friday, July 3, 2009 10:04:24 AM
Subject: How much of a tax rebate will i get for buying my first home

How much of a tax rebate will i get for buying my first home?  I was thinking that your advice would be very helpful.  I know you must be very busy so any pointers would be very much appreciated.
Please point me in the right direction.  Thank you in advance.
Thanks, Frank

This morning I go to check my mail and see I have an email from "Janet".  The wording of the message sounded very similar to the one I got from "Frank" last week so I thought I'd look this particular email address up.  This one yielded results.  Various people were saying this same email address was sending messages with inquiries related to whatever industry they were in...

Here's "Janet's" message:

From:"andri.manager@gmail.com"
To:chandasellsindy
Sent: Tuesday, July 7, 2009 10:31:13 PM
Subject:Do homebuyers pay sales tax

Hi,
Do homebuyers pay sales tax?  I don`t know if you are the right person to ask, but any advice/pointers you might have would be very much appreciated.
Would you consider giving me a couple pointers?
Thank you for your help.  Gratefully,
Janet

So here I thought I was being a good Samaritan when in reality I was being scammed.  ARGH!  I don't know what will happen as a result of responding to "Frank" but I wanted you all to be aware in case you've received similar inquiries!  DON'T RESPOND!!!

 

One of the most important and first question that every agent should ask is…

Are you pre-approved?

The pre-approval is, perhaps, the most important step in purchasing a home.  A great place to start is here on the Mad Mortgage Machine and getting all of your ducks in a row to get pre-approved for the Indiana home loan.

Remember that…when you get the loan approved upfront will save you so much trouble.  It will eliminate the need for last minute shopping around for a mortgage after you have you have found the home of your dreams only to find out that you wasted your time and the Agents time when you do not qualify because of some errant credit or debt-to-income issue.  

Step 1

Look for a good lender, Wait you found one, you are on my blog.  I and my team will help get you approved for your Indiana home loan.  We will do this either by the phone, email or in person. We will discuss at reasonable length your income, job and wage history, living history and other pertinent financial information including a credit check.  

Ultimately, we will get to know each other pretty well.  


Step 2


Once we have figured out your budget and how much you can be approved for then we can get you get you set up with an Agent and do some Indiana home shopping!  The really good news is that you will have far more leverage than the nonpre-approved person.  

Once you know exactly how much you can afford it really does make your home searching and the whole process so much easier and painless process.  

Also, you need to remember…It is still a great time to purchase a home - especially if you are an Indiana first time homebuyer you have until November 30, 2009 to qualify for the 8000 tax credit.

 

Dave Woodson

The Indiana FHA Expert

 

This is a great inspirational short.  I am reblogging, I think everyone needs to see it and know what that extra little bit can do for you

 

Dave Woodson

The Indiana FHA Expert

Via Clint Miller (Real Estate Client Referrals LLC):

I often look for motivation and inspiration in as many places as I can.  One of the best I have found is the 212 movie.  www.212movie.com

(I mentioned in the comments that I have a book by this same company...and I highly recommend that anyone that likes inspirational material get a copy.)

But, aside from that, I truly believe it is impossible to watch this video and not get inspired to do more...to be more.

 

July 06, 2009

Today, I am still in vacation mode and taking the afternoon off to the Girl the water park here just west of Michigan City.  However, the rest of the mortgage and other markets are not taking the day off.  They are back in full swing for the "dog days" of summer.  When is our next day off?  Labor Day?

July 06, 2009 Mortgage Market Conditions from Dave Woodson on Vimeo.

Mortgage and Housing Market Condition for Indiana

 

If you have any questions just let me know,  my new mortgage hot-line number is (219)841-5053.  I love Google Voice.  I am the Indiana FHA Expert and my team and I are closing FHA Loan in about two weeks starts to finish.

 

Dave Woodson

The Mad Mortgage Machine

 

I want to thank Evelyn Johnston for the very kind words.  She was a great help in the darkest moments of those two weeks.  I look forward to our next deals that don't he to be done in two weeks

 

Dave

Via Evelyn Johnston Associate Broker Elkhart Indiana Short Sale Expert (Prudential One Realty):

Here I go again, singing the praises of Indiana's #1 FHA Mortgage Dude!  Two weeks.  Yep, that's 14   days. From Start to Finish.  Closed. Did I mention it was FHA?  Does your FHA specialist compare?  Perhaps you ought to give David Woodson a try.  He can be reached at 219-608-9790, let him prove to you his worth...

How in the world does Dave Woodson, the Mad Mortgage Machine do it?  Let me tell you...he surrounds himself with nothing but the best, like Chris Blaszczyk, another Mortgage Loan Officer and processor, oh I am sorry, that sould be Processor with a capitol P.  Did they stay on top of it?  You betcha!  Were they in constant contact with me --the REALTOR-- and my Client?  Absolutely!  Did I know what was going on all along? Uh-Huh!  When paperwork did not get returned to them in a timely fashion, guess who they called?  ME! The REALTOR!  They keep saying that I get it-the relationship between a Mortgage Professional and a REALTOR, but I think they are the ones that get it---the REALTOR can help!

Now, maybe I am making to much of this, after all, I am a fairly new agent, a little over 2 years under my belt, my favorite Mortgage Loan Officer in the whole world got married and is not currently in the lending field.  I have tried a couple of other Lender's, some better than others, but these guy, Dave Woodson and Chris Blaszczyk has them beat by lightening rods!  I can hardly wait for another buyer to see if they can be 3 for 3!

Thanks Dave and Chris, you are amazing men who do the impossible and make them miracles. 

 

Only good things can happen

Evelyn Johnston was not new to me.  I had met her nearly a year ago at a friends wedding and I was warned then that she was gunning for my top ranking in Indiana.  I laughed it off as I thought I was untouchable.  While, I may think that I still am; I now know that she is as serious about blogging as she is Real Estate and Short Sales. 

She helped my friend and my clients (the same couple whose wedding we met at) find a home in about 3 weeks, and it took me another 2 weeks to close the loan.  She found them a home and I closed the loan in nearly the time that it takes mere mortal to just close the loan.  But, seriously, this is not about me, this is about Evelyn Johnston, who is Elkart, Indiana's Short Sale Expert.  Her use of technology has put her in the upper echelon of her office and easily in the top 50 agents in Elkhart County

She is a Certified Short Sale Specialist, who recently brought on her husband to work with her full-time, in this supposed down time for home buying.  Her successful marketing ideas with the $8000 First Time Home Buyer Tax Credit and Elkhart Short Sales have made her a force to reckon with in Northcentral Indiana. 

If you are looking for a Real Estate Agent, with the knowlede to sell your Elkhart Home and who not only Talks the Talk, but Walks the Walk - Look no further that Evelyn Johnston.  I am impressed, and I have been the biggest critics of many agents, but her skill and dedication has impressed me to no end. 

By the way, I am looking over my shoulder now and I getting back into blogging on ActiveRain.  And, I know with two experts like Evelyn and myself working in your corner.  You cannot go wrong. 

Evelyn, thank you for your faith in me and allowing me to work to make sure out mutual clients were as happy with me as they were with you. 

I am proud to call you friend

Dave Woodson

The Indiana FHA Expert

 

 

Indiana FHA Home Loan

POSTED BY Dave on May 13 under Business, Mortgage, real estate

Are you unhappy where you are living? Are you too old to be living with mom and dad?

With an Indiana FHA Home Loan…You can change your life.

Whether, you are a first-time home buyer, have owned a home before or have less than perfect credit FHA more than likely has a program that will best suits your needs. I am Dave Woodson and I am The Mad Mortgage Machine and I will take you through the Indiana FHA loan process step-by-step.

With an FHA Loan you can:

* Purchase a Home (really kind of a no-brainer and with the $8000 tax credit and rates the lowest they have been in years, and now you can use it as a down payment*)
* Remodel Your Home
* Make Home Repairs
* Make Energy-Efficient Improvements, and with new tax credits out there you can save a ton as well.

FHA Loans are guaranteed loans, which means that lenders offer you a lower, more affordable rate. Even, if you have less than perfect credit or are a first time home buyer, an Indiana FHA Loan can help you save thousands of dollars on the home of your dreams.

If you are looking to buy a home or even sell your home consider using an FHA home loan with its lower down payment requirements, lower mortgage insurance rates (which is still tax deductible) and less stringent guidelines vs. Fannie Mae.

So, if you are ready for a change, download and fill out my Mortgage Planning Questionnaire that is designed to help me and your Real Estate Agent of choice find the home of your dreams.

 

Fannie and Freddie makes Indiana FHA and easy choice

POSTED BY Dave on Apr 20 under Mortgage

I got good news and bad news….

OK, first the good news…mortgage rates are down and housing prices are lower — which is fantastic for many buyers and those looking to refi.

Please click over to my updated blog post @ the Mad Mortgage Machine, it will open a new window

 

Please read this carefully, that the over all effect of the underwriting guidelines, credit score and pricing changes will simply push some people who are able to buy a house right out of the market.

These new rule changes are just plain ridiculous…well there is still some good news for the Indiana home buyer and those looking to refi their Indiana home.

The Indiana FHA Program:

  • Indiana FHA does not require a huge down payment, just 3.5% will do.
  • You can still get the home seller to pay all of your closing costs up to 6% of the sales price.
  • No silly add-on fees from Fannie or Freddie this is a US Gov’t backed loan
  • It is a great option for the Indiana First Time Home Buyer

 

 

And, now to conclude the Top Ten Reason to be an Indiana First Time Home Buyer.

Part 2

5) Seller’s all across Indiana are more willing than ever to give incentives for First-Time Home Buyer up to 6% in many cases

4) The Interest, Mortgage Insurance, & Property Taxes can all be written off on your taxes, thus reducing your overall tax liability

3) Indiana First-Time Home Buyer Opportunities are boundless with the higher Indiana FHA Limits for 2009

2) I did mention that point about the noisy neighbor?  How about a garage?  Telling the landlord where to stick it?

And the #1 reason To Be A First-Time Home Buyer in 2009,

1) The investment in yourself and your first step to wealth accumulation

There are Ten Great Reasons to buy a house in 2009.   Why aren’t you taking advantage of some or all of them?  My team and I are able to walk you through each part of the process.  Don’t wait for many of these opportunities will disappear by the time that 2010 rolls around.

If you are thinking that is your year to become a First-Time Home Buyer in Indiana, Call or email me to set up an appointment to see how you can go from being a First-Time Home Buyer to a First Time Home Owner today!

Dave Woodson
The Indiana FHA Expert

 

 

 

There are 10  Great Reasons to Buy a Home as a First Time Home Buyer

Here are the first 5

10.  This is a double whammy, you get to tell your Landlord and the noisy neighbor upstairs to get lost

9.  There are tons of great financing options for The Indiana First-Time Home Buyer

8.  As an Indiana First-Time Home Buyer you have many Foreclosures, HUD Homes, Handy Man Specials, Estate Sale, or Short Sales to choose from some at a reduced price and that equals instant equity.

7.. Interest rates are near historical lows this is a great benefit as a First-Time Home Buyer

6.  The $8000 First-Time Home Buyer Income tax credit (no need to pay back as long as you live in the home for 3 years)

Stay tuned for more great reasons to buy a new home in Indiana

 

Dave

 

 

 
 
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Dave Woodson

Portage, IN

More about me…

The Mad Mortgage Machine

Address: Portage``, IN, 46368

Office Phone: (219) 872-8000

Cell Phone: (219) 608-9790

Email Me

My thoughts on marketing, clients and ways to generate more leads for my Realtor Partners and myself. Velma Marketing


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