Mortgage Banker vs. Mortgage Broker - 11/27/07 10:58 AM
Mortgage Banker vs. Mortgage Broker
Many consumers think mortgage companies are simply banks that lend their own money. In fact, the company that you work with may be either a mortgage banker or a mortgage broker. So, what's the difference?
A mortgage banker is a direct lender, meaning it lends you its own money, although it often sells the loan to the secondary market. Mortgage bankers are often referred to as "direct lenders" and occasionally retain servicing rights as well.
A mortgage broker, on the other hand, is a middleman that does the loan shopping and analysis for the borrower, and brings the … (2 comments)

Yep, I'm arlready thinking about turkey ... and dressing, and wine, and ... - 11/12/07 10:20 AM
Here's a winner! Yes, it does take a bit longer than most turkey recipes, but who's in a hurry?
Slow-Smoked Turkey w/Syrup-Coffee Glaze
Serves 10+ LeftoversPrep Time = 1 Hour | Total Time = 3 HoursIf you have a grill with a lid and a bag of hickory chips, you can smoke a turkey. To make extra delicious, braise the bird first in a mix of coffee, apple cider vinegar, and cane syrup (or brown sugar).The results is a combination of complex flavors-sweet, bitter and ambrosial.
Ingredients 2 gals. water 1 cup apple cider vinegar 1/2 cup ground coffee (preferably chicory) 1 … (3 comments)

NEVER, NEVER, NEVER let a buyer move into a home before COE!!! - 11/09/07 09:21 AM
I just read another blog which indicated they let the buyer move in 5 days early to take the pressure off a fast move.
I can't think of anything worse. I've been there, done that -- and it was a disaster.
We wanted to accommodate the buyers -- give them time to move. The buyers, their agent, the lenders, everybody said it was a "done deal." No problem. It will close on time.
So, we moved out. Stayed in a rental while our new house was being prepped. Guess what? You know the answer. The home didn't close. It took nearly 10 stressful days … (4 comments)

Beautiful 4,000SF Bemidji, Minnesota Home For Sale - North Woods - $337,500 - 11/08/07 10:17 AM
While this home is in the North Woods -- it is actually very sophisticated. Unlike most homes in the Bemidji, Minnesota area, this is not your pine or log home.
This home is FSBO -- but I am cooperating with Buyer's Agents.
Check it out: http://www.bemidjirealtor.com/
Thanks.
… (2 comments)

3 Tips to Help You Keep on Walking - 11/06/07 09:35 AM
There's soooo much good info on AR about real estate -- I think you have it covered. Yesterday I had a bad call with a potential client -- I was steamed -- and after the call I went for a walk. I came back and felt great! I did some quick research and found this:
Walking rates as one of the most popular workouts. It's easy, convenient and a great way to keep off extra weight, but all too often there are obstacles that prevent you from enjoying this activity -- or so you think.
Obstacle 1: I work all day and can't … (1 comments)

5 Useful Travel Tips During the Holidays - 11/03/07 10:21 AM
It can be a wonderful time of year -- here's some tips to keep in mind during November and December travel:
1. Check your flight for delays and cancellations before you leave to the airport.
2. Allow at least an extra hour to find parking, check in and pass through security.
3. Use the "self-check" kiosks to save time.
4. Don't wrap your gifts -- you may be asked to unwrap them at the security gate.
5. Now is the time to plan for Spring Break to get the best deals.
… (1 comments)

Del Mar, California Sunset - 11/02/07 09:38 AM
Nothing like a Del Mar Beach sunset to help you shake off the day. This one was taken recently at Powerhouse Park.
… (0 comments)

Good to Know During Your Next Hospital Visit - 11/02/07 09:25 AM
I used this in my own newsletter and thought I would pass it on so you're aware when visiting family and friends.
According to a review published in the the New England Journal of Medicine, infections acquired by patients while they're in the hospital are estimated to affect nearly 2 million people resulting in 90,000 deaths a year and costing $9.5 billion in medical bills.
The biggest culprit? The room's TV remote control!
Researchers from the University of Arizona recently found that the remote control in a hospital room carries more disease-causing bacteria than the toilet, faucet handles, bathroom door, call buttons, and other … (4 comments)

 
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Paul Stokes & Dean Rooke | Del Mar, Solana Beach & Cardiff Real Estate

Del Mar, CA

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The Jake May Team

Address: Whitewater, Ocean Views, Del Mar, CA, 92014

Office Phone: (858) 876-7792

Cell Phone: (760) 613-3166

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