Welcome to Dione's Mind

Gilbert Arizona Upcoming Events

Dione Sage (Nova Home Loans) — Sat, 09 Aug 2008 03:22:50 -0500

IT'S NOT WHATS EATING GILBERT GRAPE BUT IT IS WHATS GOING ON IN GILBERT (AZ that is)

Town of Gilbert Day at Chase Field on September 13 - Gilbert residents can get a special discount to see the Arizona Diamondbacks play the Cincinnati Reds at Chase Field on Saturday, September 13 at 5:10 p.m. Seats in the infield reserve are offered at $10 a ticket. Game activities will highlight citizens, businesses and employees of Gilbert. The first 25,000 fans will get a free Dan Haren bobble head. After the game, stay for a concert with Jessica Simpson. Order tickets at www.dbacks.com/groups. Login: "gilbert" Password "dbacks"

The Gilbert Fire Department, along with other valley fire departments and Phoenix Children's Hospital, has proposed that the month of August be dedicated as "Drowning Impact Awareness Month". Wear a purple ribbon for the entire month of August. Be safe and remember to always practice the ABC's of water safety: Adult supervision/Awareness, Barriers and other layers of protection, and Classes (CPR and swim classes).

If you see a "paint dot" next to graffiti, please do not call police. The paint dot indicates that police have already been notified and Public Works will soon paint over the graffiti. Please spread this information to others in your neighborhood. If you see new graffiti without a paint dot next to it, please call dispatch at 480-503-6500 to report it. The goal is to remove graffiti within 24 hours.

***REMEMBER SUPPORT YOUR LOCAL AREA***

Maricopa County Pets Need Help

Dione Sage (Nova Home Loans) — Sun, 15 Jun 2008 11:40:00 -0500

Maricopa County Animal Care and Control Needs Our Help

Maricopa County Animal Care and Control (MCACC) has hit a crisis stage, as its cup is running over with adorable puppies and kittens. Now is a great time to adopt and MCACC is offering great adoption specials tis summer. If you are not wanting to adopt you can always think about being a foster family.

MCACC is asking people to think twice about bringing their pets to the shelter. They receive up to 200 dogs and cats a day during the summer months. The chances of each one getting adopted (or adopted quickly) is about 50%. They are encouraging those with puppies and kittens to wait a little longer before bringing the litter in to MCACC. The older they are, the better chance they have of surviving. MCACC needs the public's help to battle this crisis. We encourage everyone to get their pet spayed or neutered. For more information see http://www.maricopa.gov/pr_detail.aspx?releaseID=853.

And As Always The Best Of Luck To You ALL,

Arizona's Got A Quarter

Dione Sage (Nova Home Loans) — Fri, 06 Jun 2008 18:15:59 -0500

WATCH FOR ARIZONA TO CIRCULATE AROUND THE COUNTRY!!!

Who new 25 cents could look so good?

June 2^nd 2008 - The Phoenix Governor Napolitano and US Mint Director Moy launched the Arizona quarters in to circulation. Who were some of the first to receive this beautiful quarter, none other than the children that attended the official Arizona Quarter Launch Ceremony that was held at the State Capitol building. The AZ Quarter is the third commemorative quarter (coin) to be released in 2008 and is the 48^th coin in the US Mint's 50 State Program. Arizona was admitted into the Union on February 14, 1912, becoming our Nation's 48th state, and the last in the continental United States. On the top of the coin you can see "ARIZONA 1912". You can also see images of the Grand Canyon, Saguaro Cactus, Sun Rising in the Horizon and the banner that reads "Grand Canyon State". And just a little more AZ fact for you folks - The Grand Canyon is one of the Seven natural wonders of the world covering more than 1.2 million acres in the northwestern region of Arizona. The canyon also has the might Colorado River flowing threw it and is home to a number of rare and threatened plant and animal species. This is a beautiful piece and I am not being bias....well maybe just a little.

~ And As Always, The Best Of Luck To You ~

First Call This Morning

Dione Sage (Nova Home Loans) — Fri, 06 Jun 2008 16:48:22 -0500

BANK OF AMERICA + COUNTRYWIDE = The 1^st phone call of my day

Today is Friday Morning and as many others it was already scheduled to be a busy one but my morning started off with a call from a past customer who wanted to know "What's the deal with Countrywide". Seeing as their mortgage servicer is Countrywide. I was happy to hear from a past customer (which it has been 3 years since they bought their home) and even happier that I have noticed a genuine growing interest from consumers about what is going on in the financial world. Our customers want to know everything and it is our job to inform as best as we can, So Below is what I know and please correct me if I missed anything or made a mistake:

On Thursday, June 5^th the Federal Reserve Board gave its approval for Bank of America Corp. to acquire Countrywide. The board expects that Bank of America (the largest financial storehouse) will be able to generate benefits to the public by the proposed acquisition of Countrywide (the country's biggest mortgage lender). This $4.1 billion in stock transaction would indeed rescue Countrywide. Before the approval from the Federal Reserve Board came out this proposal was examined by the board and they have even taken in to consideration the comments & concerns of outside consumers and organizations. Among many of the concerns was if you take two giants and combine them we may be left with a monster after the dust settles. Another concern was over the Countrywide staff, with unemployment going up everywhere in the country would this add to it. Of course there were many concerns but a larger number of supporters of this proposal. A few changes to look for Bank of America will make modifications to the fair lending and consumer protection policies and procedures that would apply to the structure of Countrywide after fulfillment. The proposal would institute unified policies and procedures for originating affordable mortgages, reducing foreclosure rates, serving traditionally underserved communities, and enhancing customer protections. Those measures would include discontinuing the origination of subprime loans and nontraditional mortgage products that may result in negative amortization; offering customers loan products for which they qualify; providing adequate disclosures and strengthen internal training and compliance programs. This is by no means a picture perfect buy for Bank of America but it does place B of A in a position to be a financial hero if indeed this turns out to be one of the greatest "financial flips" ever.

I know this blog just grazes the top of this situation however in order to cover every aspect of this would have to be a 52 page book and more time than I have. This blog has already taken me all day to write - in between meetings, appointments and my other daily jobs. What are your thoughts? Opinions? Comments?

~ And as Always, Best of Luck to ALL of You ~

Here's An Idea

Dione Sage (Nova Home Loans) — Fri, 06 Jun 2008 10:48:27 -0500

I recently had an idea mentioned to me that was amazing and I would like to share it because it is a little bit different than anything I have done myself.

It seems that a few of my last posts were about closings and continuing the relationship with the clients. Well here is another example of what you can do at closing to make it a little more personable - When clients sign all the paperwork at closing they usually get this great little packet with all of their paperwork in it. Sure we can give them a card and a gift but what else? Invest in a Polaroid Camera....Sounds Strange? Well not really because that is usually the moment when you are with them and you can take a picture of you and the client at closing and put it in that nice little packet of paperwork that they will probably be looking at again in the future. It's almost like another first memory for them to have. For a first time homebuyer, a picture of them with all of the people that helped them get in to their first house...Well a picture is worth a Thousand Words. I bought my first Polaroid Camera Last night, with everything going digital it was a little harder to find the camera that has instant pictures, I am not savvy in the Camera department anyways but thanks to a wonderful salesman and a supportive husband, I was able to walk out with what I am going to call my "Closing Companion" - Okay or maybe I will just call it my Camera but either way this is a cute idea....What are your thoughts or other ideas?

~ And As Always The Best Of Luck To All Of You ~

AZ Father's Day Plans

Dione Sage (Nova Home Loans) — Fri, 06 Jun 2008 00:21:15 -0500

Sunday, June 15, 2008

- FATHERS DAY -

There comes a day in every year that we go that extra extra mile for dads and they deserve it. A wonderful day to do something special for that ALL-IMPORTANT man in your life. Whether it be your own father or your children's father, or a dad that you just really appreciate have you thought about planning the day yet? Well if you happen to be in Arizona here are 2 that weekend that I thought sounded like a good time:

•1. June 13^th -15^th BIG BOYS & THEIR TOYS: This is a playground filled with boat, motorcycle, jet ski and luxury car dealers, including Coulter Cadillac. Or would he rather sort through a variety of weapons and firearms, musically gifted dads will love retailers like Haight Guitars and tech-savvy dads will definitely want to check out all the home theater systems and other electronics. This Expo will put a smile on your mans face. Location: Phoenix Convention Center - For More Info. Call 602-331-4744 BONUS: Each ticket purchase includes a ticket voucher for a Diamondbacks game the same weekend!!!

•2. June 14^th TSUNAMI ON THE SQUARE: Tsunami on the Square is a free, all-ages, outdoor performing arts and culture festival. You can find modern and global ethnic dance forms, performance art, music, outdoor theater, and circus arts. For the Father that enjoys cultural art festivities, this is the place. Location: Prescott Area - For More Info. Call 928-541-9341 BONUS: There are kids activities too, so it can be fun for anyone

Like I said these are 2 that I thought sounded fun but there are other events around Arizona that I don't know about so feel free to leave a comment about other Fathers Day Activities in Arizona that you know about or share an idea.

~ And As Always - The Best Of Luck To You All ~

More Minds Needed

Dione Sage (Nova Home Loans) — Wed, 04 Jun 2008 15:57:58 -0500

~ EVERYONES INVITED ~

I am just sending out another quick invitation to the Arizona Mortgages Group. This is for anyone that is interested in sharing and reading about Mortgages, Guidelines, Programs, Changes, News, Ect.....And most important anyone interested in Arizona. The group is still new so the more the merrier. And good luck to everyone!!!!!

Link To Group: http://www.activerain.com/groups/AZlends

BEST OF LUCK TO EVERYONE!!!

Warmest Welcome to Brenda Miller

Dione Sage (Nova Home Loans) — Wed, 04 Jun 2008 13:46:32 -0500

Please Join Me In Welcoming A New Member (as of 6/4/08) To ACTIVE RAIN

Brenda is an amazing and caring person with an abundant amount of knowledge in her field. I think she will fit in great to the Active Rain Community and be able to share useful tips with us. Below is an introduction to her profile along with a link:

~ Brenda Miller with CMP Financial in Arizona ~

Creating a trust relationship, I show my clients how to use the financial tools available to build a strong financial house. Through organization, education and implementation we achieve their goals.

http://activerain.com/brendysu

Good Luck Brenda and I hope you enjoy AR as much as the rest of us - I know you'll do great! ~ Dione Sage

Gilbert Summer Social

Dione Sage (Nova Home Loans) — Tue, 03 Jun 2008 21:27:02 -0500

Do you know someone who has been annexed into the Town of Gilbert? Or has someone moved into your neighborhood. Please let them know about the Summer Social for Newly-Annexed Neighbors & Newcomers. Please ask them to RSVP to Helga at 503-6767.

AS ALWAYS I WISH YOU ALL THE BEST OF LUCK AND HAPPINESS

To Lock or Not To Lock

Dione Sage (Nova Home Loans) — Mon, 02 Jun 2008 20:46:38 -0500

To Lock-A-Rate or Float-A-Rate?

To understand you must first make note of this - Floating a rate in hopes that you will be able to lock in a "great or better" rate can be very dangerous in this already vulnerable market. It is true that interest rates can be amazing one day and a complete mess the next. In some cases rates can change a few times in one day. So in order to make an educated decision you will have to educate yourself first and have a knowledgeable expert to work with you.

What effects the interest rates...hmmm the wind blowing to the east and the chicken crossing the road in the morning or maybe the afternoon ....Kidding of course but here are a few things we all should be aware of (AND IN CASE YOU DIDN'T CATCH IT I SAID "A FEW" because their is always more to watch and learn from but here a few of my personal favorite topics -

Example Topics:

- ECONOMY: Because sometimes when it rains it pours. It is amazing how we normally narrow in on on thing that the media has in the number 1 spot of their hot news. Like Gas, We all know that is driving more and more of us to do things differently but what about other economic factors like unemployment?

- FEDS: The Feds have cut interests rate more during this time than many were expecting. The interest rate that the Feds cut though is the rate at which the Banks borrow money. When that happens it affects the economy. Banks borrowing money for less can sometimes mean they will lower interest rates for consumers.

-10 YR BOND: Some watch Wall Street for its highs and lows but what are they watching? A good thing to watch is the 10 yr Bond. If you do not know what a bond is than here is a quick version. Governments and Companies issue Bonds to fund the day-to-day operations or to finance certain projects. When people buy bonds they are lending money and in return bond holders get back the money loaned plus interest.

-MORTGAGE-BACKED SECURITIES: These Securities are a type of debt security that is based on pools of assets whose cash flows are backed by the principal and interest payments of a group of mortgage loans. Now in the era that we are currently in this is like walking on thin ice and can be kind of scary.

- PRICE INFLATION: Inflation is an increase in the average price of all goods and services generated in an economy. Most of the time we turn on the news and hear about inflation it is more than likely interest rates will be kicked around in the same breath.

Education is your best defense against a wicked offense. So before you play the Lock or Not Lock Game realize what you can encounter and the risks involved. With that said it can sometimes turn out to be a profitable game but in the end the decision is yours.

Good luck to all of you and I hope only the best for each of you.

Gilbert Nominees Last Chance

Dione Sage (Nova Home Loans) — Fri, 30 May 2008 17:51:30 -0500

ATTENTION ALL GILBERT, ARIZONA RESIDENTS...... Time is running out to nominate that great individual that is deserving of a Community Excellence Award

Last Chance! Nominations in 17 categories are sought for The Thirteenth Annual Community Excellence Awards. The Awards will be presented Friday, October 24, 2008 at Trilogy Golf Club. Please make your nomination by choosing the appropriate category and completing the attached form. Return the form and a narrative describing the nominee's contributions to the Gilbert Chamber of Commerce, PO Box 527, Gilbert AZ 85299-0527 or fax to (480)892-1980. Nominations will be accepted through June 2, 2008. Call (480)892-0056 or visit www.gilbertaz.com for information.

Arizona Is The Place To Be

Dione Sage (Nova Home Loans) — Fri, 30 May 2008 13:31:12 -0500

I am not originally from Arizona but have lived here for most of my life and have lived in 4 other states - BUT when it comes to Arizona, I wouldn't want to live anywhere else. There is a lot of history, beauty and natural wonders here that I just couldn't imagine living anywhere else but the "Grand Canyon State". If you haven't been to Arizona you should make it one of the places to visit, its wonderful. Here is a little bit about the State I love so much......

These Facts You May Already Know.....

Arizona was the 48^th State in the USA; it became a state on February 14, 1912

Area - 114,006 square miles (Arizona is the 6^th biggest state
in the USA)

Major Industries - Mining (copper, molybdenum, gold, and
silver), manufacturing, and tourism
Highest Point - Humphreys Peak - 12,633 feet (3,581 m) above sea level
Origin of the Name Arizona - The word Arizona comes from one of the following (its origin is not certain): the Aztec Indian word "arizuma," that means "silver-bearing," from the Tohono O'odham Indian word "Aleh-zone" which means "small spring," or the Pima Indian word "Ali shonak" which also means "small spring."
State Song - Arizona March Song
Dinosaur Fossils Found in Arizona - Ammosaurus, Anchisaurus, Anomoepus, Chindesaurus, Coelophysis, Dilophosaurus, Eubrontes, Massospondylus, Navahopus, Revueltosaurus, Rioarribasaurus, Scutellosaurus, Segisaurus, Sonorasaurus, Syntarsus

But Did You Know......

- Arizona's Capital Building has copper on the roof that is equivalent to 4,800,000 pennies.

- In Arizona, it is against the law for donkeys to sleep in bathtubs.

- The state's most popular natural wonders include the Grand Canyon, Havasu Canyon, Grand Canyon Caves, Lake Powell/Rainbow Bridge, Petrified Forest/Painted Desert, Monument Valley, Sunset Crater, Meteor Crater, Sedona Oak Creek Canyon, Salt River Canyon, Superstition Mountains, Picacho Peak State Park, Saguaro National Park, Chiricahua National Monument, and the Colorado River.

- Located in Fountain Hills is a fountain believed to be the tallest in the world.

- Four Corners is noted as the spot in the United States where a person can stand in four states at the same time.

- The world's largest solar telescope is located at Kitts Peak National Observatory in the city of Sells.

- At one time camels were used to transport goods across Arizona.

- The sun shines in southern Arizona 85% of the time

- Arizona once had a navy consisting of two boats on the Colorado River. They were used to prevent California from encroaching on Arizona territory.

- It snowed 400.9 inches during the winter of 1972-1973 at Sunrise Mountain.

Snow In Arizona

Dione Sage (Nova Home Loans) — Tue, 27 May 2008 13:47:41 -0500

Snow - May - Arizona ?????

Crraaazzzyyy....But True. I live in the East Valley of Central Arizona and Friday I received a phone call from my parents who live a little over 2 hours from me and it snowed there Thursday and Friday. Now it would be fine and normal even had it not been the end of May. My children went to my parents home to spend the weekend and get out of the heat. They got out of the heat alright but as my brilliant son told me "Did mother nature not get the memo about it being summer vacation?"

Answer: I don't think she did

I actually enjoy it and it was quite cool here to in the valley of the sun but it was short lived and now we are back to temperatures rising. That is the beauty of Arizona though. We have 4 seasons here, we just have to drive a little bit to see them sometimes. Living in Arizona is great and I enjoy it. If you do not live here it is a great place to vacation as well. There are some beautiful and amazing features of our state and there is history all over the state that will surprise you.

I just wanted to share. As always Good luck to you all and have a wonderful week. I hope you weekend was GREAT!!!

Anti-Flipping?

Dione Sage (Nova Home Loans) — Sat, 24 May 2008 01:25:24 -0500

I thought I would post a quick blog about the Anti-Flipping Rule. Not everyone may know this (I ran in to a few here lately that did not know) Plus I think maybe others might have a comment or opinion on this subject. First let me explain the Rule:

An Anti-Flipping Rule was made effective in June 2003. This rule prohibits FHA insurance on a property resold within 90 days of the previous sale and also prohibits sale of a property by anyone other than the owner on record.

This rule was set up to protect the potential homebuyers. The reason I think its a good idea to revisit this rule is because of some confusion with Bank Owned Properties, This year we see a lot of Foreclosures and some might not think of a Foreclosure as a Flip Property. Still read the Anti-Flipping Rule. Even a bank owned property has to be recorded for 90 day OR the lender has to get a HUD approval.....When dealing with Flip Homes that are Bank Owned - Knowledge and Communication is key. Buyers, Realtors and Lenders all need to be informed because as we all know stress levels can increase when someone is left in the dark or has expectations that are not attainable.

Like I said this is a quick post but I would like to encourage everyone to be informed, research and/or please feel free to add your comments, thoughts and opinions.

As always good luck and may you all be successful in your careers.

Safety First

Dione Sage (Nova Home Loans) — Sat, 24 May 2008 00:15:04 -0500

Remember, Safety First.....We have all been told that a time or two and Blogging is no different. There are posts about how to keep your blog protected from hackers but consider for a moment the hundreds of strangers able to track you on the web? Would you tell the creepy person walking quickly up behind you your personal information (your kids name, your street address, the hours you will be home alone) I highly doubt it. So here are a few ideas for safe blogging:

•- PERSONAL INFORMATION: Don't give out too much personal information (this can be hard in all of our line of work, seeing as we are here to network with other professionals) But stating in a blog that you were born 8/2/1965 in Waterloo, Mississippi to Tom and Barbara Walters and I live by myself with my cat on a lonely street, Might be a little much.

•- PHOTOS: What's in the background of your photos? Your house number? Your license plate? A picture of you child in their school shirt? A pictures is worth a thousand words right? What do your photos say?

•- RESPONSES: Be aware of people that continue to respond to you that you do not know. We know that we all subscribe to strangers blogs all the time because they are great blogs. But read your responses and figure out if they are appropriate and if maybe the person is leaving you comments on every single blog you post.

•- PERSONAL FEELINGS: Sometimes we post blogs about something or someone that triggers a "feeling" (good or bad) Consider the individuals that are going to be reading your post. Realize the reaction that your words may cause before you post.

•- SOLVE IT QUICKLY: If you feel threatened or a little weirded out then do not engage in more confrontation with the individual. As we are told as children - Walk away and Tell Someone. If avoiding the confrontation does not work then report them to the proper people. No don't call your friend and tell them, unless your friend monitors the website you are on. Report the problem as soon as it becomes an issue.

So like our parents told us growing up and we tell our children now days, SAFETY FIRST. Keep Blogging and enjoy it but do it smart and safe. I hope you all have a great day and good luck in all you do.

Make It A Safe Holiday

Dione Sage (Nova Home Loans) — Fri, 23 May 2008 16:53:45 -0500

As we all begin our weekend and just a few days till Memorial Day, Please remember to have a SAFE and enjoyable weekend....

Make sure you and your passengers are buckled in.
Check your vehicle before you go; proper tire pressure is important.
Be patient. Don't speed and don't follow other vehicles too closely.
Get a good night's rest before a trip.
Bring extra food and water in case of a delay or an emergency.
Build some extra travel time into your schedule.
Never drink and drive.

A FEW MEMORIAL DAY FACTS

Memorial Day is observed the last Monday of May

Formerly known as Decoration Day

Official birthplace of Memorial Day is Waterloo, New York

First Memorial Day observed in 1865

And as always have a great Weekend -

Gasoline gets closer to $4.00 so there might be less people traveling

AZ - East Valley Events

Dione Sage (Nova Home Loans) — Sat, 10 May 2008 11:26:57 -0500

UPCOMING EVENTS

Attend Neighborhoods Arizona! 2008: "Preserving Your Neighborhood in a Challenging Economy." Saturday, May 17 from 8 a.m. to 2 p.m.

Chandler Center for the Arts, 250 N Arizona Ave., Chandler

Cost: $25 includes breakfast and lunch if received by May 5

The Leadership Centre and its community partners will present information on how to preserve your neighborhood in these economic times. Breakout sessions include information about the challenges of neighbor conflicts, neighborhood communication tips and preserving your neighborhood with community events. To register visit www.theleadershipcentre.org

Nominees Sought for the 13th Community Excellence Awards

Friday, October 24

Trilogy Golf Club

Call (480)892-0056 or visit www.gilbertaz.com for more information

Please make your nomination by choosing the appropriate category and completing the attached form. Return the form and a narrative describing the nominee's contributions to the Gilbert Chamber of Commerce, PO Box 527, Gilbert AZ 85299-0527 or fax to (480)892-1980. Nominations will be accepted through June 2, 2008.

Sonoqui Wash Dedication Ceremony
Tuesday, May 13, 2008 at 9 am

The North Side of Ocotillo Road, ½ mile East of Higley
Please help celebrate the completion of the Sonoqui Wash Channelization flood control project. The improvements to the wash remove 160 homes and 800 acres of vacant land from the floodplain while offering recreational opportunities such as a multiuse path and equestrian trails. Improvements are along a 3.5-mile section of Sonoqui Wash from Queen Creek Wash (Higley Road) to Chandler Heights Road following the Ocotillo Road alignment and features a channel designed to capture and convey the floodwater of a 100-year storm (one percent chance of occurring in a given year). The Flood Control District of Maricopa County and its project partners, the Town of Gilbert and the Town of Queen Creek report the $11.4 million project was completed ahead of schedule and under budget. Please RSVP to Nicole Scheider, at 602-506-6762.

As always I wish you all the best and have a great weekend.

Finally Answers to the life long question!!!

Dione Sage (Nova Home Loans) — Thu, 08 May 2008 14:23:16 -0500

WHY DID THE CHICKEN CROSS THE ROAD?

BARACK OBAMA:
The chicken crossed the road because it was time for a CHANGE! The
chicken wanted CHANGE!

JOHN MC CAIN:
My friends, that chicken crossed the road because he recognized the
need to engage in cooperation and dialogue with all the chickens on the
other side of the road.

HILLARY CLINTON:
When I was First Lady, I personally helped that little chicken to cross
the road. This experience makes me uniquely qualified to ensure -- right
from Day One! -- that every chicken in this country gets the chance it
deserves to cross the road. But then, this really isn't about me.......

DR. PHIL:
The problem we have here is that this chicken won't realize that he must
first deal with the problem on 'THIS' side of the road before it goes
after the problem on the 'OTHER SIDE' of the road. What we need to do is
help him realize how stupid he's acting by not taking on his 'CURRENT'
problems before adding 'NEW' problems.

GEORGE W. BUSH:
We don't really care why the chicken crossed the road. We just want to
know if the chicken is on our side of the road, or not. The chicken is
either against us, or for us. There is no middle ground here.

COLIN POWELL:
Now to the left of the screen, you can clearly see the satellite image
of the chicken crossing the road...

ANDERSON COOPER - CNN:
We have reason to believe there is a chicken, but we have not yet been
allowed to have access to the other side of the road.

DR SEUSS:
Did the chicken cross the road? Did he cross it with a toad? Yes, the
chicken crossed the road, but why it crossed I've not been told.

GRANDPA:
In my day we didn't ask why the chicken crossed the road. Somebody told
us the chicken crossed the road, and that was good enough.

BARBARA WALTERS:
Isn't that interesting? In a few moments, we will be listening to the
chicken tell, for the first time, the heart warming story of how it
experienced a serious case of molting, and went on to accomplish its
life long dream of crossing the road.

JOHN LENNON:
Imagine all the chickens in the world crossing roads together, in peace.

BILL GATES:
I have just released eChicken2007, which will not only cross roads, but
will lay eggs, file your important documents, and balance your check
book.

ALBERT EINSTEIN:
Did the chicken really cross the road, or did the road move beneath the
chicken?

BILL CLINTON:
I did not cross the road with THAT chicken. What is your definition of
chicken? Better yet what do you mean by cross the road?

AL GORE:
I invented the chicken!

COLONEL SANDERS:
Did I miss one?

Just a little Thursday Humor to lighten up your day, I hope you all have a great rest of the week!!

"The Gratitude Campaign"‏

Dione Sage (Nova Home Loans) — Wed, 07 May 2008 18:28:36 -0500

This is Not a Fancy Blog and Maybe it should be but I thought this was worth passing on. When checking my email today I saw this message from a friend who's husband has been gone overseas for the last 6 Months. So I decided to share it.

How Many Times Do We Forget To Stop And Say Thank You To Someone For Their Service Or Help? Not too often hopefully but what about the ones that give everyday but we just dont see them at their job.....

I have just received this note from a friend of ours. It is a very worth while 'forward', in my opinion. I hope you feel the same way. Have you ever seen one of our military walking past you and wanted to convey to them your thanks, but weren't sure how or it felt awkward? Recently, a gentleman from Seattle created a gesture which could be used. He has started a massive movement to get the word out. Please everybody take just a moment to watch 'The Gratitude Campaign' and then forward it to your friends! Click on http://www.gratitudecampaign.org/shortmovie.php or copy to your browser.

Have a wonderful day!

Green Machine

Dione Sage (Nova Home Loans) — Tue, 06 May 2008 15:10:39 -0500

SORRY for the short notice -

As always Gilbert, Arizona makes an effort to keep its Residents involved. They are holding a Gilbert Environmental Forum and want our input...The more involved residents are in their community the stronger, safer and better the community is. So be a part of your town/city today!!!

EVENT: Gilbert Environmental Forum

WHEN: Thursday, May 8, 2008 @6:30 p.m.

WHERE: Council Chambers

Gilbert Municipal Center

50 E. Civic Center Drive, Gilbert

Your ideas and opinions are needed to help grow a green community. Attend an important forum that will help develop Gilbert's blueprint for water and energy conservation and air quality. Experts will be on hand to provide information and answer questions. Please do not pass up this opportunity to be a part of a process that will affect our future. For information call 503-6760.

As Always Have a Wonderful Week

Make an Impact

Dione Sage (Nova Home Loans) — Sat, 03 May 2008 16:19:05 -0500

WHO DO YOU IMPACT?

Potential Buyer Right Now or Potential Buyer for the Future?

Of course this is just my opinion and not everyone will agree but there are really three types of (Borrower or Buyers but I will say Buyers as to keep it a little bit easier for me to write) Buyers:

The Can Buyers - meaning they CAN qualify in today's market
The In Just a Bit Buyers - meaning that they might need a little help to work out a few things before they can buy a home
The Re-Adjust Buyer - Meaning the Buyer that needs to completely readjust their lifestyles, work out quite a few kinks and then be realistic before approaching the purchase process.

Here lately I have gotten a sprinkle of all of these types of buyers and I just wanted to add my two or three cents about this. Every day we have the choice to start the day off positive or negative, to be active or just sit back and watch the clouds go by. No matter what our day might be shaping up to be remember that we are all effecting the lives of others on a daily basis. When Buyers or Potentials meet you what Impact will you have on their lives?

*The "Can Buyers" are the easiest to have a good impact on because they are your priority right now (as long as you are honest and hard working the outcome will be positive).

*The "Just In A Bit" Buyers might get a half grin with a call me when you get that sorted out and I will email you in a week to see how things are going....But how do they know the correct way? Is it our responsibility to show them? I mean you were nice to them and said you'd help them when they were ready and you will email them in a week or two...

*The "Re-Adjust" Buyers, yeah their situations not great or even close to it right now, so do we just say Nope and turn them away? Call me in 5 years when you can walk, talk and juggle all at the same time..but Have a beautiful day folks.....

****The Outcome is simple every Buyer or Potential Buyer can be a Buyer one day or May have friends and family that are Buyers and who will they remember? What sets you apart from others? Why would they call you again? Would they recommend you to anyone? Will they even remember you when the time comes? Will you remember to call them when the time comes? EVERYONE should be treated with a certain equal level of respect. No one wants to feel less than human or treated that way. So are they buyers now or are they buyers later? ANSWER: It doesn't matter, they are still lives that you have the rare opportunity to impact in a positive way right now. (This is what we all call our pipeline however pipeline (to me) did not seem as personal to use when I thought about typing this blog.) Names on a list....doesn't make anyone feel important.

I have been blessed to have many people that have Impacted me Positively (a few even through AR) so to all of you that have made me feel welcome here on Active Rain, Thank you.

Our jobs are amazing, whether we are Loan Officers, Real Estate Agents, Stagers, Landscapers, ect...We have the privilege of Impacting other people's lives everyday...So go out and Impact, But Impact Positively!!!

And as always have a great day!

For The Love Of Pets

Dione Sage (Nova Home Loans) — Sat, 03 May 2008 00:02:52 -0500

By now everyone who has read a couple of my past Blogs probably gathers that I am a huge animal fan....Especially because of my two Adorable Spoiled Pooches. However here is another great update for Arizona Pets, so all of you thinking about adopting a pet NOW is the time and here is why:

From May through August: Maricopa County Animal Care and Control (MCACC) is offering special adoption fees. They are overrun with animals! Cats aged six months and older are available for $25. Dogs over 40 pounds are for $50. Prices include spay/neuter surgery, rabies vaccination and for dogs, a County dog license. Each potential adopter will be asked to fill out an adoption questionnaire to ensure the best match possible. While supplies last, each cat will come with a kitty bed and every dog will come with a training DVD. Visit the two full service shelters and the cat adoption center:

2500 S. 27th Avenue, Phoenix (West Valley Animal Care Center)
2630 W. 8th Street, Mesa (East Valley Animal Care Center)
5231 N. 35th Avenue, Phoenix (Cat Adoption Center)

And to consider becoming a foster parent, visit www.pets.maricopa.gov or call 602-506-PETS.

*The Handsome Model featured in the photo above is none other than my little "Rock-O" striking his more serious pose the "Blue Steel" look!*

As always have a great weekend and good luck to all of you!

Attention Phoenix

Dione Sage (Nova Home Loans) — Fri, 02 May 2008 23:12:55 -0500

JUST PASSING ON SOME MORE INFO:

MEDIA ADVISORY FOR SATURDAY, MAY 10, 2008

***FREE FORECLOSURE PREVENTION WORKSHOP***

A Panel of Experts Will Discuss How to Avoid Foreclosures

One-on-One Counseling Services for Distressed Phoenix Homeowners

WHO

Rep. Ed Pastor, (D-AZ) U.S. Congressman, 4th District
Mayor Phil Gordon, City of Phoenix
Dwight Alexander, Federal Home Loan Bank of San Francisco
Patricia Garcia-Duarte, Arizona Foreclosure Prevention Task Force
Andrew Loubert, Arizona Housing Counseling Collaborative
Credit and Housing Counselors, loan servicers

WHAT

As a part of ongoing efforts to address the home foreclosure crisis gripping the nation, Rep. Ed Pastor in partnership with the Federal Home Loan Bank of San Francisco will hold a foreclosure prevention workshop. The free event will include a Q & A panel discussion of realtors, lenders, as well as credit and housing experts who will discuss options for homeowners facing foreclosure, delinquencies, or adjustable rate mortgages that will reset to amounts they can't afford. Other topics will include:

How to detect housing scams targeting distressed homeowners
How to work with lenders to keep your home
Understanding your legal rights
How to sell your home

Moreover, credit and housing counselors, loan servicers, and lenders will also be available to provide one-on-one consultations to homeowners. Attendees are encouraged to bring loan documents and other relevant financial information.

***Free parking (3rd and Washington) and activities for children.***

WHEN

Saturday May 10, 2008 - 9:00 a.m. - 1:00 p.m.

9:30 a.m. - 9:45 a.m Congressman Pastor and Mayor Phil Gordon

9:45 a.m. - 10:45 a.m. Panel Discussion

10:45 a.m. - 1:00 p.m. Individual Homeowner Counseling

WHERE

Phoenix City Hall - 200 West Washington Street - Phoenix, AZ 85003

CONTACT

Contact: To schedule interviews contact Ann Bielecki 602.799.1151

I THOUGHT I WOULD SHARE THIS IN CASE ANY OF YOU NEED INFORMATION FOR A NEWSLETTER/EMAIL OR SUCH. AND AS ALWAYS I HOPE YOU ALL HAVE A GREAT WEEKEND

To Each His Own Success

Dione Sage (Nova Home Loans) — Thu, 01 May 2008 22:19:04 -0500

Society would have you believe that "Wealth and/or Success" equals Money and Fame. I disagree, Wealth is made up of a few things (per my own belief). What makes a person SUCCESSFUL and WEALTHY should also be what makes a person HAPPY. I also think that all of these things are built around your job. (Even if you are a stay at home parent) Some of you are thinking "What?" But hear me out. Do you like your job or are you just going through the motions? Just showing up is half the battle they say but what do you do when you get there? Here is MY theory:

When a person truly enjoys the work they do, they will throw themselves in to it. Get lost in every aspect of their job and fueled by every task. The "Perfect Balance" that many people talk about in my opinion does not mean SEPERATING your job from your home life. Instead it could mean being so good at your job that you can combine work and home to the "Perfect" Mixture. First off find a job that you are PASSIONATE about and make sure you are not just good at it but that you are great. Practice, Keep Learning and Better yourself till you can reach your greatness. After you put the effort in to becoming the professional that you have always imagined yourself to be then work it. Don't be discouraged by the small stuff. When you take your eyes off your goals is when you find the disappointment in everything. If you're going to take the time to find the job you love then do it right don't just give it half of your effort. That doesn't mean that you have to answer the cell phone in the middle of your sister's wedding (when you're the maid of honor, oops) but instead be so good at your job that people understand that you may miss a phone call or two but what is always important is that you do call back. Follow through with everything. Don't make commitments or promises you can't keep. Don't spread yourself thin. When you're good at what you do your business will work for you no matter what. You can take the family on vacation (and probably afford it), You will be able to go to a soccer game and network without even noticing that you're doing it and better yet without the other person noticing either, You will be able to do a lot of things and take lessons and experiences from EVERYTHING. Being a full time professional doesn't mean you have to give up your social life or that you can't be a full time mom or dad, it just means that you can do it all with pride, integrity, enthusiasm, precision and that is the "Perfect Balance". (Well to me anyways) And when you have all of that and do it GREAT then you have great WEALTH and SUCCESS.

So May ALL of you have Great Wealth and Success.....Life gets better day by day - just take it one day at a time.

Jumbo, Dumbo, Mumbo….

Dione Sage (Nova Home Loans) — Wed, 30 Apr 2008 19:36:58 -0500

-WELCOME TO MY WEDNESDAY MIND-

According to Wikipedia® the definition for a Jumbo Mortgage is: a loan amount above the industry-standard definition of conventional conforming loan limits.

And according to Dione Sage (that's just me) a Jumbo Mess is defined as too many people trying to pass rules to "stimulate" the economy and not focus on a long term solution.

I don't feel like my ears are too big and I can't fly like Dumbo but sometimes I feel like I am in a circus and that they changed the name to the Mortgage Industry. Dumbo had it easy though compared to us, he's never had a Jumbo loan request for a Stated Client before. This brings me to my thoughts about current Jumbo loans. It may be too early to pass judgment on a bill/rule that has only been in effect for a short time however since I am entitled to my opinion.

In the early part of February Congress (aka the circus master) gave a slight indication that a part of the "Stimulus" package would make jumbo loans easier and less costly for folks. However much to some lenders dissatisfaction (mine too), since the rule that was made effective April 1^st, these types of loans are either non-existent or the rates are outrageous. I realize that the intention of it all was to help the lenders stimulate the economy by being able to do more loans over $417k but it is the guidelines and rates that are keeping jumbo loans from being attractive to a lot of borrowers/homeowners. I think we need the larger home loans to balance out the sale of so many foreclosures, short sales and ect... How often have we all heard the words "Declining Market" or "Housing Market Decline"?

Lets make the process just a little more like a circus trick and throw the stated income borrowers in to the mix because a lot of successful business owners and others make up a portion of the borrowers that "CAN" afford a high priced home. There is still 100% Financing for borrowers with a FICO of 580 or the customer whose Bankruptcy has been discharged for 2 years as of today BUT a borrower with an amazing FICO, Good Assets and Excellent history who just happens to need to go stated will get a loan with a higher than normal rate and have to put down a huge chunk of change for the down payment. I realize that is a whole other can of worms but I am just trying to toss my feelings of frustration out there.

The one GREAT thing about writing a blog is that I can vent as I pound away on my poor keyboard with a million thoughts running through my head and when I'm done I can go back to trying to find solutions for my clients and move on. For when you find that the door is locked, look for the open window.....

The GOOD NEWS, Freddie Mac (or Fred or Freddie, kidding) stated that they would buy up to $15 Billion of the jumbo loans so maybe there is hope. So Thanks Fred, we appreciate it...

Good Luck to you all and have a Great Wednesday!!!

P.S. I have read a lot on Jumbo Loans and Stated Income Loans today and I had to write something of my own to make me feel better....hmmm, it worked. Blogging on AR is great Therapy!