Market Shifts to Higher Interest Rates as Inflation becomes a Huge Concern - 05/30/08 01:02 PM
I have been watching rates move in an upward direction all week.  Mortgage insiders such Barry Habib with "The Mortgage Market Guide" has been preaching this all week and the signs are there.
Now that rates are moving in that direction, what does this mean to a buyer who is shopping for a great discount on a home?  Well I think it means that you do NOT want to get too greedy.
If you are in the market for a home and prices are coming down, and you are waiting for further movement, then it might be counterproductive if you end … (0 comments)

Paying the Bills on Time: The Building Blocks to Homeownership - 05/30/08 01:14 AM
If you have followed the real estate market and lending environment for the last 12 months, than you probably know that mortgage lenders have become quite strict on their mortgage guidelines.
The banks just do not have the money or resources to take any chances on what they deem as a margin loan. 
I have clients that are referred to me that sometimes I just cannot help.  Usually I cannot help them because of credit problems.
Once I work up a complete analysis of their situation, it usually boils down to the fact that they just have not paid their creditors … (0 comments)

How to Avoid Credit Hijacks from Mortgage Lenders and Protecting Your Privacy - 05/30/08 12:56 AM
 
Have you ever applied for a home loan with a trusted mortgage lender just to have some other mortgage company call you within minutes offering you the same loan?
If you have:  You have been a victim of what I consider an unethical but legal practice in the mortgage industry called "Credit Hijacking".   
I have not had this happen to one of my clients in awhile, but it happens.  It usually follows by a phone call from my client wondering if I sold their information to other companies. 
My client usually feels like they have been "financially molested".  I have to then explain to … (3 comments)

The Red Elvises are Playing at the Rhythm Room in Phoenix Tonight - 05/25/08 08:07 PM
I got invited by some friends to see a band called "The Red Elvises".  I must admit I am a complete virgin to their music, but it should be a hoot. 
 

If you get a chance check them out.  Show starts at 9:00pm at the Rythm Room.
 
 
 
 
 
 
 
… (0 comments)

Now you too can renovate your kitchen for under $500.00 - 05/25/08 03:40 AM
I am up late again and tired.  Lack of sleep and writing seem to go hand and hand these days. 
I guess I am tired because I got up too early this morning to attend a good friends baby boy's baptism.  Usually I would be bored out of my mind, but we had a funny Deacon who was telling jokes and swearing throughout the entire ceremony.  I was easily amused.
By the time me and the Mrs. got home we were wiped out.  When you do not have kids of your own, dealing with lots of children can wear you out.
My wife and I were in a little … (5 comments)

Is the LSR (Loan Status Report) Pointless? - 05/24/08 04:16 AM
WARNING THIS POST IS FOR ARIZONA REAL ESTATE PROFESSIONALS ONLY
Unfortunately in the State of Arizona Loan Originators are not required to be licensed.  This then trickles down to the professional integrity and honesty of that individual loan officer and the company they work for of who is the burdened party to uphold the state license for performing mortgage services.
It seems every year or two the Arizona Association of Realtors (AAR) gets together and decides to change the rules on what documentation they need from the lender to prove that the client (the buyer) can qualify to buy a home.
Currently it's the Loan Status Report … (2 comments)

Tempe Mortgage Lender for First Time Homebuyers - 05/24/08 03:36 AM
Are you looking to buy your first home, but do not understand the process?  Are you needing funds for down payment assistance?  Were you turned down by other lenders who do NOT specialize in these types of loan programs?  Well look no further, you have come to the right person to help you.  I have over 14 years experience in the Real Estate and Mortgage Services Industry.  The purchase of your first home will be one of the largest investments you will ever make.  You will need a plan and guidance along the course of that long term investment.  I am the Trusted Advisor that … (0 comments)

Databases and Staying in Contact - 05/24/08 03:27 AM
Staying in contact with everyone is a full time job.  Heck I stopped writing posts for a couple of months and catching up has been so hard.   
I suffer from the same problem that most loan originators and real estate agents suffer from and that is creating an effective system so we can wear mutiple hats.  We are the marketeers, the owners,  the accountants, the sales managers and lately the full time therapists. 
Recently I had to make a decision to break my system.  I am the biggest fan of believing in cliches like "if it's not broken don't fix it".  I … (5 comments)

I am tired and its time for bed - 05/22/08 01:44 AM
I should probably be in the bedroom sleeping, but NO I decided to work late tonight on mortgage files and now I am extremely tired.  I know I should go to bed but I felt compelled to write a blog.  You see I feel like I have become a big stranger to the blogging community.  This is my first attempt of a blog in a couple of months.  I must admit in my sleepy haze I am quite enjoying this experience of writing about completely nothing.
Maybe I should do this more often.
Anyhow that is all I have to share. 
Maybe I will try … (4 comments)

 
Gary Miljour - Mortgage Lending for Arizona and California (My City Lender Home Loans) Rainmaker_large

Gary Miljour - Mortgage Lending for Arizona and California

Tempe, AZ

More about me…

My City Lender Home Loans

Address: 2350 E. Germann Road Suite 34, (Corporate Office) , Chandler, AZ, 85286

Office Phone: (480) 945-4545 x corp

Cell Phone: (480) 251-0002

Email Me

Arizona BK-0920007 California DRE-01889021 California DOC-4131202 My City Lender Home Loans NMLS#161428 Gary Miljour Licensed Loan Originator NMLS#207208


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