glenview: Credit crunch and what it means if you have an adjustable rate mortgage ARM - 08/31/07 12:43 PM
Now that the Fed has cut the Discount Rate by .50% and with all the uncertainty of the credit market these days, many borrowers have called expressing concerns regarding their short-term fixed-rate loans that may be rolling into adjustable-rate products within the next couple of years.
If you currently have a … (2 comments)
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glenview: Securing Your Future: Online Home-Buying Privacy and Security - 08/22/07 12:36 PM
Securing Your Future: Online Home-Buying Privacy and Security By Frank SchiefelbeinOnline resources make it easier and faster to find a home and get financing. But many homebuyers are nervous about sharing personal information online. What steps can consumers take to safeguard their privacy?Know whom you're dealing with. Find out as much … (0 comments)
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glenview: Get Your Rates Straight: APRs vs. Interest Rates - 08/22/07 12:23 PM
By Frank SchiefelbeinAlthough the terminology may sound similar, an Annual Percentage Rate (APR) and an Interest Rate are not the same. Knowing the difference between the two can help you better understand the overall costs associated with financing your home and could make it easier for you to find the best … (1 comments)
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glenview: Ready to Trade-In Your Home? - 08/21/07 04:53 PM
Ready to Trade-In Your Home?Perhaps You Should Remodel Instead!
By Frank Schiefelbein, Home Loan ConsultantCountrywide Home Loans
St. Charles, IL - Each year, millions of Americans move into the home of their dreams. As time goes by, families expand, kids grow older, and suddenly that home isn't quite so perfect anymore. Or perhaps you … (1 comments)
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glenview: INTERESTING GEOGRAPHY - 08/21/07 04:43 PM
INTERESTING GEOGRAPHY
Alaska
More than half of the coastline of the entire United States is in Alaska.
Amazon
The Amazon rainforest produces more than 20% of the world's oxygen supply. The Amazon River pushes so much water into the Atlantic Ocean that, more than one hundred miles at sea off the mouth of the … (1 comments)
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glenview: Paperwork Your Clients Need for a Home Loan Application - 08/21/07 04:27 PM
Paperwork Your Clients Need for a Home Loan ApplicationBy Frank SchiefelbeinThe fastest way to help your buyers (and you) close a home sale is to make sure they have all the information they need to complete their home loan application. Whether the application is done online or through a local lender's … (1 comments)
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glenview: Understanding Credit Scoring & - 08/15/07 03:19 PM
Understanding Credit Scoring & Credit Repair
By Frank Schiefelbein, Home Loan ConsultantCountrywide Home Loans
Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the average home shopper knows very little about the whole credit scoring process. … (0 comments)
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glenview: Credit Crisis?????????????? Mortgage Meltdown???????? - 08/14/07 04:53 PM
What is the "meltdown" that I'm reading about in the headlines?
•¨ "This refers to a culmination of factors that has led to massive tightening in credit standards among lenders. This tightening is due to an excessive number of mortgages that are both delinquent and in default. As a result of tighter … (1 comments)
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glenview: Credit Crisis Cripples Markets - 08/13/07 03:51 PM
Credit Crisis Cripples Markets
Frank Schiefelbein
The purpose of this communication is not to alarm you but to alert you to drastic and irreversible changes currently taking place in the mortgage market. If you or anyone else you know will need mortgage financing in the next 18 months, you need to read … (0 comments)
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glenview: The Truth about Appraisals: Knowing the Guidelines Solves the Mystery - 08/10/07 01:52 PM
The Truth about Appraisals: Knowing the Guidelines Solves the Mystery
Frank Schiefelbein
Countrywide Home Loans
St. Charles, IL
847-894-1629 or www.FrankForHomeLoans.com
Consumers are often baffled by the appraisal process. They may feel their home is worth a higher dollar amount, and the appraised value doesn't always make sense to them. It is important to know that … (0 comments)
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glenview: Attractive, Flexible Financing Options for Non-traditional Buyers - 07/10/07 04:43 PM
Attractive, Flexible Financing Options for Non-traditional Buyers by Frank SchiefelbeinIf your clients are self-employed entrepreneurs, investment property buyers or in the market for a second home, choice in lenders has historically been limited. Now, thanks to an innovative program, Countrywide Home Loans offers you and these non-traditional home buyers competitive financing … (1 comments)
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glenview: Making the Most of Your Time!!!!!!! - 06/27/07 04:03 PM
Making the Most of Your Time
Frank Schiefelbein
Home Loan Consultant
Countrywide Home Loans
847-894-1629 Cell
630-513-4815 Office Direct
866-905-7983 Fax
888-265-9824 Toll Free
http://www.frankforhomeloans.com/
frank_schiefelbein@countrywide.com
FREE PRE-APPROVALS!!!!
Lending available in ALL 50 states!
… (6 comments)
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glenview: Seek a Qualified Mortgage Consultant to Ensure the Best Results - 06/26/07 08:50 AM
Seek a Qualified Mortgage Consultant to Ensure the Best Results
Understanding Credit Scoring &Credit Repair
By Frank Schiefelbein, Home Loan ConsultantCountrywide Home Loans
St. Charles, IL - Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the … (0 comments)
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glenview: FREE PARIS!!!!!!!!!!!!!!!!!!!!!!!!!! - 06/25/07 03:32 PM
FREE PARIS!!!!!!!!!!!!!!!!!!!!!!!!!!
Here is another idea that I used for some marketing.
Standing out in the crowd of rates sheet droppers and boxes of dounuts with buisness cards attached.
Advertising is about being remembered.
This kind of advertising gets remembered.
I prefer the sense of humor approach when it comes to advertising for the same … (4 comments)
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glenview: Kane County St. Charles Information - 06/22/07 04:15 PM
The Chamber hosts our own special events for the benefit of our members. These are:
The Annual Charlemagne Awards dinner is held every January. This formal event highlights the best in the community with awards for civic and humanitarian efforts and community improvements to business. The final award of the evening is … (1 comments)
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glenview: What if you were as smart as Einstein???????? - 06/22/07 03:56 PM
Here is a little ad piece that I have yet to mail out.
I have found that you don't always have to be the serious business person to be effective.
Sense of humor can show that you have a personality.
Not every piece of advertising will be funny to everyone but you can not worry … (5 comments)
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glenview: Broaden Your List of Satisfied Customers, Handle Rural Sales - 06/22/07 03:48 PM
Broaden Your List of Satisfied Customers, Handle Rural Sales by Frank Schiefelbein http://www.frankforhomeloans.com
Do you hear from buyers who dream of a house in the countryside? Are there small communities surrounding your metropolitan area that entice former city-dwellers to stop and smell the clover? When the time comes to sell the family … (0 comments)
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glenview: The Right Stuff - 06/14/07 02:48 PM
Below is one of my many self promotion idea's that I mail out.
What out of the box self promotion idea's do you have?
Is it a mail piece, a drop off, a voice mail, a thank you for your business?
Let's see what everyone comes up with, maybe we'll have a winner.
I'm always up for … (0 comments)
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glenview: Flexible Loans Benefit Self-Employed & Investment Property Buyers - 05/31/07 01:43 PM
Flexible Loans Benefit Self-Employed & Investment Property Buyersby Frank SchiefelbeinAre you a self-employed business success? Are you in the market for that special second home you've worked long and hard to afford? Perhaps you are thinking about a condominium that will provide you with a vacation destination and rental income? Countrywide … (0 comments)
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glenview: Getting the Best Interest Rate on Your Home Loan? - 05/25/07 11:13 AM
Getting the Best Interest Rate on Your Home Loan?
A Qualified Mortgage Consultant Can Help Boost Credit Scores
By Frank Schiefelbein, Home Loan ConsultantCountrywide Home Loans
St. Charles, IL - Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay … (0 comments)
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glenview: What Do Underwriters Really Do? - 05/21/07 03:45 PM
What Do Underwriters Really Do? By Frank SchiefelbeinAsk most people on the street what an underwriter does and you'll get a variety of answers. Some may say " I don't know" or "They underwrite a loan," which essentially gives no information. The dictionary uses the words "to endorse; to sanction or … (1 comments)
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glenview: Selling That "Fixer-Upper" Is Easier Than You Think - 05/16/07 01:44 PM
Selling That "Fixer-Upper" Is Easier Than You Thinkby Frank Schiefelbein
FrankForHomeLoans.comAs a real estate professional, you want to serve the needs of customers and earn the valuable respect and reputation that ensures repeat and referral business. However, you are also a busy results-oriented producer who may not be able to justify taking … (0 comments)
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glenview: Protecting Your Credit During Divorce - 05/11/07 02:49 PM
By Frank Schiefelbein, Home Loan ConsultantCountrywide Home Loans
St. Charles, IL - When a marriage ends in divorce, the lives of those involved are changed forever. During this time of upheaval, one thing that shouldn't have to change is the credit status you've worked so hard to achieve.
Unfortunately, for many, the experience … (0 comments)
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glenview: Countrywide's "Fast Close" -- Closing Deals in 10 Days or Less - 05/03/07 12:26 PM
Countrywide's "Fast Close" -- Closing Deals in 10 Days or Lessby Frank Schiefelbein
Lending in ALL 50 states.
Timely closings have always been a goal of real estate and mortgage professionals. Today, technological advances and informed clients who demand faster results makes the speed of the deal more important than ever. Now, thanks … (2 comments)
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glenview: How to Sidestep Surprise Mortgage Costs - 04/17/07 05:22 PM
How to Sidestep Surprise Mortgage CostsBy Frank SchiefelbeinWe're all bombarded by countless offers for the best deal when it comes to obtaining a home loan. This one promises the lowest rate. That one touts the lowest fees. Another boasts price guarantees. Unfortunately, claims that seem too good to be true may … (0 comments)
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glenview: Home Buying 101: Six Starter Steps to Smooth the Path to Homeownership - 04/17/07 05:04 PM
Home Buying 101: Six Starter Steps to Smooth the Path to Homeownership By Frank SchiefelbeinTurning the American dream into reality hinges on a solid strategy and a proactive approach. By taking a few simple steps up front, you can help boost your buying power and ensure that your experience is positive … (1 comments)
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glenview: Jumbo Loans Jump Up Buying Power - 04/17/07 05:02 PM
Jumbo Loans Jump Up Buying Power By Frank SchiefelbeinRising property values coupled with low interest rates have brought on a supersized demand for jumbo loans in recent years. As many major markets across the U.S. have a dwindling inventory of homes at or under Fannie Mae/Freddie Mac conforming loan limits (currently … (0 comments)
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glenview: The Countless Upsides of Zero Down; 100% Financing Offers No Downpayment, No MI, No Jumbo Pricing and More - 04/17/07 04:52 PM
The Countless Upsides of Zero Down; 100% Financing Offers No Downpayment, No MI, No Jumbo Pricing and More
By Frank SchiefelbeinMaybe you don't have the cash for a downpayment. Maybe you do, but would rather use the funds elsewhere. Either way, 100% financing could be the optimal solution for you to get … (1 comments)
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glenview: Everybody Wins With Loan Preapprovals - 04/17/07 04:45 PM
Everybody Wins With Loan Preapprovalsby Frank SchiefelbeinIt's a real estate professional's nightmare. You finally find the perfect buyer for that listing you've been trying to sell for months. The seller accepts the offer and you begin looking forward to your commission -- only to find out that the buyer can't qualify … (0 comments)
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glenview: Attractive, Flexible Financing Options for Non-traditional Buyers - 04/17/07 04:43 PM
Attractive, Flexible Financing Options for Non-traditional Buyers by Frank Schiefelbein
If your clients are self-employed entrepreneurs, investment property buyers or in the market for a second home, choice in lenders has historically been limited. Now, thanks to an innovative program, Countrywide Home Loans offers you and these non-traditional home buyers competitive financing … (0 comments)
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glenview: Changes in VA Loans Simplify Process for Your Clients - 04/17/07 04:41 PM
Changes in VA Loans Simplify Process for Your Clients by Frank SchiefelbeinMore veterans are applying for VA loans than ever before, which is why it is increasingly important to understand the guidelines for these loans, particularly when it comes to underwriting standards. During 1997 and 1998, the Department of Veterans Affairs … (0 comments)
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glenview: Good Credit Habits Mean More to Lenders - 04/17/07 04:33 PM
Good Credit Habits Mean More to LendersBy Frank SchiefelbeinInterest rates are reasonable these days, and homeownership has become more affordable thanks to a strong economy. Whether your clients are homeowners moving up into larger residences, or first-time home buyers, their credit history is a key component in the success of their … (0 comments)
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