Keywords Which Ones Are You Focused On?

Last December I called my 25 year old son and said, "Hey - real quick - I need the HTML code for..." and he said, "MOM!  Wait - I'm leaning against the tree... okay, the earth is not shaking, the locusts are not coming... I guess it's okay.  So - did you just ask me for HTML code?!?!"

geekMy point is that I'm NOT part of the Geek Squad - so I'm asking for help.

I have more tagwords on my AR site than you can see in one or two screens... Recently I figured it would be a good idea to use the SAME words for ALL the blog sites we have (4).

Now - I have at least first page in the following words:

Cary Mortgages and Mortgages Cary

Mortgage Rates Cary; FHA Cary and Cary FHA; First Time Homebuyers Cary and First Time Home Buyers Cary

Mortgage Loan Officer Cary and Cary Mortgage Loan Officer. I have similar listings in Wake Forest and Raleigh - but I'm not NEARLY as high up in the searches... I also have a blog on Credit - and I'm listed most of the places I thought I would be with it.

Does anyone have OTHER ideas of key words I should be using???  I REALLY appreciate your help!!!

 

Home For Sale -- Holly Springs!





101 Red Holly Lane
Holly Springs, NC 27540
Rocking Chair Front Porch

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  • Ken Smith

    Office:919-467-1882
    Cell:919-606-8751
    Website:Visit Website


    Price : $205,900
    Bedrooms : 4
    Bathrooms : 2.5
    Square Foot : 1,848
    Lot Size : 0
    County : Wake
    Property Type : Detached
    Year Built : 1998
    MLS Number : 965195



    click for more pictures

    Property Description
    LOOKS FEELS BRAND NEW! Will be ready to move in! PRE-INSPECTED! Squeaky clean with new carpet and paint. Pride of ownership SHOWS throughout! ROCKING CHAIR FRONT PORCH! Finished garage with TV for the car enthusiast/football fan!
    Equal Housing Opportunity.
    Coldwell Banker HPW : 981 High House Road - Cary NC 27513 : 919-467-1882


     

    Beautiful Spacious Floor Plan!





    612 Goal Kick Drive
    Fuquay Varina, NC 27526
    Beautiful Spacious Floor Plan!

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  • Jeanne Hendren

    Office:(919) 274-1167
    Website:Visit Website


    Price : $388,000
    Bedrooms : 3
    Bathrooms : 2.5
    Square Foot : 2,582
    Lot Size : 0
    County : Wake
    Property Type : Detached
    Year Built : 2007



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    Property Description
    Beautiful, spacious plan! Vaulted ceilings in family room & master make this home open & bright! Hardwood Floors throughout the first floor,tile in the laundry & baths. Open kitchen w/ breakfast nook leading out to screened porch. 1st floor master bedroom w/ carpet, whirlpool tub, seperate shower & large walk-in closet. The upstairs has large secondary bedrooms & big bonus!

    Equal Housing Opportunity.
    Fonville Morisey : 2395 Kildaire Farm Rd - Cary NC 27518 : (919) 274-1167


     

    Near I40 Great Floor Plan





    1104 LongLeaf Pine Pl
    Mebane, NC 27302
    Near I40 Great Floor Plan

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  • Teresa Fowler

    Office:(919) 563-0011
    Mobile:(919) 810-7268
    Website:Visit Website


    Price : $335,900
    Bedrooms : 4
    Bathrooms : 2.5
    Square Foot : 2,697
    Lot Size : 0
    County : Alamance
    Property Type : Detached



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    Property Description
    This home is so inviting on entry. Staircase winds up to a wonderful large master suite with luxury bathroom. The kitchen is open and bright with beautiful cabinets and solid surface countertops. The living room is warm and cozy with gas fireplace. All hardwoods downstairs, 9 ft ceilings, brick front, new neighborhood!
    Equal Housing Opportunity.
    Keller Williams Preferred : 1107 S Fifth Street, Suite 100 - Mebane NC 27302 : (919) 563-0011


     

    Room To Spread Out, Quiet, And Prestigious Area!





    6577 Wakefalls Drive
    Wake Forest, NC 27587
    Room to spread out, quiet, and prestigious area!

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  • Leesa Finley

    Office:(919) 649-6128
    Mobile:(919) 649-6128
    Website:Visit Website


    Price : $2,100,000
    Bedrooms : 5
    Bathrooms : 6
    Square Foot : 8,505
    Lot Size : 1
    County : Wake
    Property Type : Detached
    Year Built : 2005



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    Property Description
    Wakefield Estates! Room to spread out, quiet, prestigious and much sought after!

    This grand manor estate is situated on a private 2 acre lot. Doug Perry Construction left no detail untouched and the unparalleled design is breathtaking! Double entry, arched doors lead you to a magnificent two-story foyer that soars and is just a hint of what is to come.....

    The informal family room with stone accents offers an oversized fireplace with detailed limestone mantel and surround as the focal point with each side flanked by builtin bookshelves. Eleven foot coffered ceilings add a dramatic flair. Epicurean kitchen is equipped with top of the line appliances, glass front cabinetry and massive center work island with sink. Breakfast bar with intimate pendant lighting can effortlessly accomodate up to 4.

    Master retreat with ensuite fireplace is located on the first floor accented with double trey ceilings and recessed lighting. Elegant ensuite bath is has oversized shower and immense tub perfect for relaxation.

    The second level offers 4 large bedrooms with walk in closets and full bath access, a bonus room and a loft/office/computer area with fireplace. A rear staircase conveniently accesses the second floor. Each bedroom on the second level has a sun deck or balcony.

    The third floor of this estate boasts approximately 900 square feet of walk-up attic storage.

    The english basement allows for multiple entertaining opportunities with a stacked stone fireplace with gas logs, home theatre, safe room, kitchen, wine cellar, study with walk in closet, designer Berber carpet, generous exercise room, Game room, second laundry room AND a sitting area.

    This estate also offers Putt Putt area under covered patio, ping pong area under covered patio, Brick and Stone exterior, paver sidewalk and so much more...
    Equal Housing Opportunity.
    Circa Properties : : (919) 649-6128


     

    Carolina Perserve At Amberly





    110 Repton Court
    Cary, NC 27519
    Carolina Perserve at Amberly

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  • Scott Bergeron

    Office:800-326-3562
    Mobile:919-345-4842
    Website:Visit Website


    Price : $624,900
    Bedrooms : 4
    Bathrooms : 4
    Square Foot : 4,394
    Lot Size : 8,284
    Community : Carolina Preserve at Amberly
    County : Chatham
    Property Type : Detached
    Year Built : 2007
    MLS Number : 996611



    click for more pictures

    Property Description
    Located on a premier homesite in a Del Webb community in Cary, NC, this great home backs to the Jordan Game Land Preserve owned by the Corps of Engineers. The home features 4 bedrooms, 3 and 1/2 baths with hardwoods and 9' smooth ceilings. The island kitchen features cherry cabinets, zodiaq countertops and stainless steel appliances with a double oven. The 36" Sub Zero refrigerator is built-in with two freezer drawers and an ice maker. The master bedroom has a beautiful coffered ceiling and the bath features cherry cabinets, corian countertop, a spa tub and separate shower. The oversized family room leads to the screened porch and deck for relaxing views of nature. The finished basement has a 4th beedroom with a full bath and features a great bar with granite. The bonus room is very large as is the game room that is being used as a media room with 7.1 speaker system wiring. Other rooms that are wired for sound are the living room, kitchen and dining room. Additional features include: custom mud room cabinets, washable garage floor, gas line to lower level patio for potential fireplace/grill, screen installed under the lanai floor, gutter guards and custom closet interiors, including the pantry, numerous tv cable outlets and phone jacks and brown marble fireplace surround in the family room. Come live the active 55 lifestyle centered around Bradford Hall, the 30.000+ square feet clubhouse with indoor and outdoor pools, a putting green and a well equipped fitness center.
    Equal Housing Opportunity.
    RE/MAX United : 51 Kilmayne Dr #100 - Cary NC 27511 : 800-326-3562


     

    FHA Legislation Update

    Okay - the President said he was going to VETO the bill going through the House today - if passed on to his desk.  And so with new excitement I decided to take a peak and see what's going on with FHA Modernization Legislation

    H.R. 5958 is introduced in the House today, to make the higher loan limits for Fannie, Freddie and FHA permanent (this is not the legislation the President is speaking of). There's nothing in this bill that might make it easier for brokers to do FHA loans.

    H.R. 5830 is the FHA Stabilization and Homeownership Retention Act of 2008 was introduced April 17th.  This bill is meant to make it easier to refinance folks who are upside down - EXTINGUISHMENT OF DEBT BY REFINANCING is one of the common themes of this bill.  Again, there's nothing in this bill that might make it easier for brokers to do FHA loans.

    S. 2325 is the Senate bill that would have a $75K surety bond: The last action on this bill was 11/7/08, it's still sitting in the Senate Banking Committee.

    S. 2338 was introduced by Dodd in December - it also has FHA modernization and risk based MIP in the fringes... but it is not moving out of Committee either.

    The "Housing Bill" that the President said today he would veto - is about FORECLOSURES and there's nothing in this bill that might make it easier for brokers to do FHA loans.

    In summary - every piece of legislation that's been introduced to help brokers with FHA have gone nowhere.  The changes to Reg Z are "harmful" to brokers.  The proposed changes to the Appraisal "modernization" regulations hurt brokers... I don't see anyone championing ANYTHING that makes being a broker easier... in fact... here in NC we are holding "RESPA Alert Town Meetings" because of these issues:

    "RESPA has introduced a new proposed rule that is biased towards the big banks and credit unions. This proposed rule will require brokers to guarantee certain fees and hold them while the borrower is shopping your competitor. 

    The Good Faith Estimate (GFE) has changed which benefits banks and hurts brokers. As a broker you need to attend this important meeting to find out how this rule adversely effects you and what you need to do to fight back."

     

    Keep a Copy of Dubya's Check, Ya'll

    mirrorIf you are applying for a USDA, VA or FHA loan, you might be asked to write a "Letter of Explanation."  You might be asked to explain, for instance, why you had a 3 month gap between graduating from college two years ago and getting a job that August. 

    You might be asked to explain why you missed those payments on all of your credit cards for two months straight 4 years ago - and saying, "It wasn't me" won't work.

    We had a client who wrote us a long letter explaining that he'd missed multiple payments over a 5 year period because he had a "Split Personality." 

    The letter was a MASTERPIECE - but unfortunately he had NO medical documentation to support the fact that "he had no clue why 'John' decided not to pay the bills that month and buy a new set of rims for the car." The loan was not approved.

    You see, the underwriter, who puts their neck out to approve your loan - needs for you to document EVERYTHING in the file.   Today we need a complete history of EVERYTHING - including where that extra $600 deposit came from this month.  A copy of the newspaper report saying the tax rebate check is in the mail probably won't work - so we suggest ya'll keep a copy of those checks from Dubya'!

    For more information about purchasing a home in Raleigh, Cary contact Steve and Eleanor Thorne, Meridian Residential, 919-459-1313.

     

    Cheaper Gas and Lower Rates

    I think we really need lower interst rates, and so I'm still sniffing around for bad news in the economy...  the President mentioned again today that we're in "pretty decent shape", and the economists are predicting that tomorrow the Fed will do a "one and done," signalling that fear of inflation is stronger than the worries about the economy slowing down more. 

    Well, I think there might be a flaw in that logic. Don't get me wrong, the weak dollar is undoubtably a leading gascause of higher gas prices - but did you see the earnings reports from the GAS COMPANIES TODAY?? (BP LLC, Europe's second biggest oil producer, reported a 63 percent surge in first quarter net profit on Monday after crude oil prices soared to an all-time high and natural gas prices also rose). There must be OTHER contributing factors besides a weak dollar?!?

    Other snap shots today indicate that Consumer Confidence is way down (guess those $75 fillups at the gas station bother other folks too!) and the Case Shiller report shows folks in most parts of the country are still "losing" equity (thankfully that's not happening in my little corner of NC!).

    I read the reports about LandSource Communities and their partners, Kimball Hill Homes who filed BK.  This is particularly noteworthy because "the California Public Employees' Retirement System, received the default notice Tuesday." Are we facing problems with PENSION funds while Gas Prices are going through the roof??? 

    Maybe the President's right - and I'm not focusing on the real issues...  But from where I'm standing... We have some problems in the Economy, and it's going to take more than a couple of "Dubbya Dollahs" in our bank accounts to fix it.

    I'm still on the prowl for lower mortgage interest rates and cheaper gas... but I'm thinkin' it could be a LONG wait!

     

    Cheap Fun in Cary NC

    cary ncApparently I'm the last one to know... but Connolly's Irish Pub in Cary, NC has Trivia Night each Monday!  Steve and I went last night as the "advance party" to check it out - and we had a BLAST!

    It starts when Slow Talkin' Tom starts handing out small piles of index cards with a pen. That's right - this is not some slick video trivia game played on a screen - this is LOW TECH and HIGH FUN!  It runs on Mondays from roughly 7:30 to 8:30 or 9:00.

    Some of the questions from last night included:

    1. Name the President that introduced Mother's Day in the US?
    2. Who were the 2 first human astronauts in space?
    3. Besides Arkansas - name 3 other states that the Arkansas River runs through (remember - we're in NC!)
    4. Name the 2 PLAY IN teams for the NCAA Tournament.

    We came in last... but figured that if we'd had more braincells playing with us we would have done better!  Most people play in teams of 4 or 5, and we will definately be going back with our friends!  I think this summer we will also go with our daughter and play against other middle school families!  So start brushing up on your trivia - meet us there! It's good ole' fashion fun - and you learn something too!

    The food is EXCELLENT (we split a grouper sandwich) - and it's convenient to get to at Davis and High House.

    For more information on Connolly's Irish Pub in Cary, NC click here.

     

     
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    Loan Officer: Eleanor Thorne, Cary Mortgage Loans (Meridian Residential)
    Eleanor Thorne, Cary Mortgage Loans
    Cary, NC
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