FHA and Fannie Mae and Freddie are trying hard to re-build their creditworthy reputation among the global mortgage investor population. Proudly, more "Excellent" ranking  of the FHA loans is a Giant Step for the housing industry.

 Recently, FHA improved it's "Excellent" ranking by 145%, and Fannie and Freddie, conventional loans improved it's "Excellent" ranking by 45%.

The average credit score for an "Excellent" ranked FHA loan is 697. The average credit score for an "Excellent" ranked conventional loan is 768. The number of "Poor" ranked loans reduced by 66%. The term "Poor" refers to loans that underwriters should have never approved. All things considered, our Giant Step translates to better loan performance.

Better loan performance translates to healthier investments for the secondary market/mortgage investment. Who benefits? We all do. Even though we all get frustrated about how many documents an underwriter needs to verify and support the data it all boils down to better quality control, better performance of the loan, and authentic quality loans. The Giant Step translates to improving the overall reputation of securing money on real estate and improving investment activity.

Mortgage Planning is NEW and most definitley in style, and can help build bigger and better nest eggs. Mortgage Planning involves STRATEGY and setting a Financial BALANCE. Do you have a loan with the best performance? What is the financial impact of your loan on your ability to save? What is the financial advantage of taking the increase savings and investing it into an asset driven accumulation account? What if you repay your loan early? When will you have the freedom to live mortgage payment FREE?

All these are questions I present and answer for my clients. Is my client focus on paying off his/her mortgage as soon as possible? What is the best mortgage by which to do just that? Or is my client in need of cash flow? Mortgage Planning is in Style! I highly recommend you consider sititing down with a mortgage planner.

Sitting down with a mortgage planner is more than finding a mortgage. Mortgage planning is highlighting your goals, short term and long term, and applying planning technology and experience to create a total Personalized Mortgage STRATEGY. Have you taken an in-dept look at your complete equity and debt positions? As a broker of money I believe it is my obligation to help you review your ENTIRE Equity position. We make sure your mortgage is fine tuned and does not inhibit the pace at which you can reach your goals.

Be in STYLE, and ahead of the CURVE, begin planning your personalized mortgage plan today! Being so NEW Who do you call? Is there a mortgage planner in your neighborhood? Is it a bank? Is it your Financial Planner? A Mortgage Planner has a unique specific set of software tools, and a wide portfolio of wholesale lender and product connections by which to integrate information, technology and today's market. The ability to do this is a quite remarkable, and most certainly "In Style". As CEO of Good Friend Mortgage my brokerage is committed to not only brokering money, but to this intergration of knowledge, innovative market products and pricing, and the personal guest to optimize financial situations. Only 10% of Mortgage brokers are mortgage planners, and there is a difference. A mortgage planner will map out and prepare a strategy. If you would like to work with Good Friend Mortgage, or be recommended to a mortgage planner in your neighborhood, you are welcome to email me for further information, Debbie@GoodFriendMortgage.com Be in Style, check it out!

As CEO of a company I am continually amazed how intellectual wisdom is overlooked.

Somehow, the American Consumer is the American Assumer, assuming if "I do what everyone else does nothing can technically go wrong. America and the US is built on greatness and I will be protected as the consumer."

As I grow my company and evaluate who my company can help, I have found the consumer's level of comfort with mediocracy and assuming a large company is there to protect them and will take care of them.

Recently, many large companies built on greatness have floundered and proven this to be out right wrong yet consumers contiually support these companies. Health insurance denials, homeowner's insurance denials, banks foreclosing mortgages, pension funds out of money, bridges falling down, lack of flood protection, lack of firefighting protection. Where is the Greatness?

I am a consumer advocate by nature and as CEO of a company, my goal is to be GREAT. We seek to be our clients advocate.

Yes, that is a responsibility isn't it? We want to expand the intellectual wisdom our clients. We want to give the client the confidence to accept nothing but GREATNESS from anyone they do business with.

I want my company to be great and to stay great and aspire to a very high standard because that is what the consumer deserves.  Let's not overlook intellectual wisdom, I feel this is the key to greatness.

To ensure greatness I have put in place safegaurds, business processes and hire the right people who I know I can trust to be the clients advocate.  I have hired people like me who care and are willing to take the time to listen to the consumer, understand their situation, their motivations, their needs, and then sift through thousands of loan programs we have available as a broker to find the one that meets their needs.

Is it really that simple to do the right thing?