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Credit Scores- So many times, so unfair - 05/14/09 02:52 PM
I have many clients who are doing what they can to raise their credit score so that they qualify for a purchase money loan. I am surprised many times when I see a lower score with perhaps only one minor derogatory account. In that case the only way to raise the score is to let time pass. Yesterday I was blown away the other way. My client has a mid score of 646 and has had THREE foreclosures the past two years. This client has had as many delinquent accounts the past two years as current accounts. Of course I am happy for (0 comments)
It can be good to wrestle with the Pig - 05/13/09 03:55 PM
I teach a class called Mental Magic and a sales class called Sales Magic. In the past I qualified to teach the class because I had enjoyed quite a measure of success; opened a company that funded more than a billion dollars in loans in one year from $600, had a local TV show, interviewed by media on a regular basis, and I had has some tremendous loan successes and success as a speaker. Then came some really tough times. There were times that I had to really fight myself to keep tilted on the positive side. There were dark nights (0 comments)
There are those who want to be cheated and taken advantage of - 05/12/09 07:19 PM
I find the title to this blog interesting and at the same time disturbing. I also find it to be true. When loans were fast and furious, a prospect (really a suspect) would call and inquire about the rate. Of course that is like calling a mechanic and asking, "What will you charge me to fix my car?" without telling the mechanic the problem. Anyway, I would ask the person a few questions and discover that they could get a 1% fixed rate mortgage from so and so lender. I explained that the loan was not a fixed rate loan and that (0 comments)
Bank Benefits Test for Loans - 05/07/09 06:49 PM
I brokered a loan to the same bank that holds the current mortgage for my client. The bank called and said "It is a good loan but does not pass the benefits test" ??????? The bank is judging whether the client should refinance or not. The client is lowering his mortgage payment by $150 from the same bank. When we protested the bank then asked for a copy of the first mortgage note....this is the same bank that holds the note ! Then on the same loan the bank faxes me a face to face form. I had to visit the (1 comments)
MAGIC MAGIC MAGIC MAGIC - 05/05/09 08:46 PM
Mortgage Magic was built on the concept of service, One of the things I do to serve the community is free magic shows. I am a member of the International Brotherhood of Magicians, the Society of American Magicians and the Fellowship of Christian Magicians. Last month I did magic shows for Free for a Service Club, a Hospital, and a University function. Next month I am tying balloon animals for autistic children and doing a show for AARP. This is a way I serve my community. If you are in Santa Clara County and want some excellent fun entertainment., give me (0 comments)
The bad of residential FHA - 05/05/09 08:34 PM
I began to write FHA loans just over a year ago and am probably close to saying good buy to this lovely little loan. Why? Maybe in San Jose it is just the luck of the draw. But the past two months the profile of my FHA customer has diminished greatly. Many of the clients have serious credit problems, no down payment (we have assistance programs in my area) , and most of the condo units in our area are not FHA approved and cannot get FHA approval. Last month I had three clients apply for the loan with phony Social Security Cards. Not to mention (0 comments)
A Switzerland Real Estate Transaction - 05/02/09 03:32 PM
Recently a client of mine purchased a townhouse in Switzerland. You will not believe how easy the purchase was compared to a purchase in the states (at least California). The client lives in California and is originally from Switzerland. He found the town house on line and emailed the seller. He offered to send the seller a $3000 non refundable deposit. He then traveled to Switzerland, liked the home and agreed to purchase. He and the seller went to a recorders office where the contract was drawn up. They then took the contract to a bank and the bank wrote the (0 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.