mortgage cary: Use What You Learned on 9/11 To Help Today! - 10/10/08 07:31 AM
"Macy's says that the Consumer might be having some hard times."
That could be the "No Duh" quote for the day. There are TONS of people who are frightened by what's going on in the Global Economy. There are people in their 70s and 80s who are on fixed income who … (14 comments)
mortgage cary: A Year Later - How ActiveRain Changed My Life - 10/07/08 07:54 AM
Last weekend marked my one year anniversary on Activerain. I can honestly say...it's changed my life, and the way I look at things. It's affected my confidence, and my "self talk." I was introduced to it during an all day conference last September on "Using the Internet to Market Your Business."
I've always … (30 comments)
mortgage cary: Newest Trend in $$ - Peer to Peer - 09/11/08 10:35 AM
Perhaps you've heard of Sir. Richard Branson's most recent venture, Virgin Money. It's a concept my grandfather employed in the 1960' and 1970's when he owner financed homes that he owned for employees. Virgin says:
"A Family Mortgage is a private loan from someone you know that is typically used toward … (7 comments)
mortgage cary: Pay Off Credit Card Debt Now... - 09/05/08 10:48 AM
Have you looked at the balances on your credit card statements lately? Seriously? OMG!
Everybody I know has been "living" off of credit cards! How expensive is that? Well - If you have a $2000 balance on a credit card with an 18% APR it could take you 24 YEARS to … (6 comments)
mortgage cary: Rule Of Thumb Says 3 Times Income - 06/25/08 05:04 PM
I grew up in this business, so I've had a lot of "rule of thumb" stuff I've squirreled away in the back of mind. One of my "old reliables" says that a borrower normally qualifies for 3 times their gross income.
When Lenn Harley issued a Challenge to Loan Officers to … (7 comments)
mortgage cary: Does Your MLS Do This? - 06/24/08 12:13 AM
Do your customers currently compare the energy bills of potential homes? If so - then this might be interesting to you!
We were fortunate to have Dan McFarland, Southern Energy Management in our office today to discuss "HBA Green Built" certifications and "Energy Star" certifications - and specifically how those ratings relate to … (26 comments)
When you have a state that looks like this - you can be sure we see many Veterans purchasing homes!
The Veteran's Administration does not actually "make" mortgage loans - they guarantee those loans, similar to what FHA does. They charge a Funding … (2 comments)
mortgage cary: NAHB Looking For Grassroots Effort - 06/17/08 08:36 AM
The National Association of Homebuilders believes we need an Emergency Stimulus Bill... afterall, housing starts are at the lowest since 1991 (and as Tanta notes "completions followed starts off the cliff...).
The package, according to NAHB needs to include a "temporary tax credit for HomeBuyers," and, in thier Online Newsletter, they urge all … (3 comments)
mortgage cary: Getting Ahead In A Difficult Profession - 01/02/08 04:29 PM
I love to pass along stories - here's another of my favorites... Dante Gabriel Rossetti, the famous 19th century pet and artist, was once approached by an elderly man. The fellow had oms sketches and drawings that he wanted Rossetti to look at and tell him if they were any good, or … (6 comments)
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"Macy's says that the Consumer might be having some hard times."
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