Real estate blog entries tagged with hope lending by HOPE Lending LLC

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hope lending: What happens when the Financing Contingency expires? - 07/31/07 10:56 PM

I have a recent situation where a seller is FSBO entered into a Purchase & Sale Agreement. I noted the absence of a Pre-approval letter with the offer accepted, which is not required. It is however, always suggested you obtain a Pre-approval letter before removing your property from the market as this … (14 comments)

hope lending: Is there TOO MUCH IN THIS PROFILE? - 07/29/07 10:26 PM

I have been learning so many neat tricks to making my website look more attractive, captivate an audience through informative writing, and optimize search placement. When is it too much?Many tricks have come from Brad Carroll - Real Estate Web Designer, including his blog on Optimizing Your Active Rain Profile for … (18 comments)

hope lending: FREE LEADS THAT MAKE YOU $$$$ - 07/27/07 02:21 AM

It makes sense that we are what we eat, right? What we put into our bodies will make us FAT or skinny, healthy or s i c k. I know I want to live a good life for a long time so that means consuming nutritious food and regular exercise to prevent disease.So why … (15 comments)

hope lending: So you asked for a REVERSE MORTGAGE? - 07/25/07 12:09 PM

I recently had a realtor I've been working with ask me about Reverse Mortgages. Honestly, I know they're out there but have never had a client to close one with. We are marketing directly in our community and wanting to provide valuable services for everyone. Reverse Mortgage products are a safe … (16 comments)

hope lending: Is it OK for your Agent to work with COMPETING BUYERS? - 07/24/07 07:14 PM

It is often that a buyer will search listings on their own. When they find something they want to see they ask their Agent to meet them there and open the property. After watching the market for 6 months, I found some waterfront property back home. I emailed the listing flier … (34 comments)

hope lending: Healthy Mind, Body, & Soul - 07/23/07 03:08 PM

Every day I receive motivational sayings. I found this one to be so true it is worth sharing. The Napolean Hill Foundation said: IT YOU HAVEN'T THE WILLPOWER TO KEEP YOUR PHYSICAL BODY IN REPAIR, YOU ALSO LACK THE POWER OF WILL TO MAINTAIN A POSITIVE MENTAL ATTITUDE IN OTHER IMPORTANT … (2 comments)

hope lending: Kirkland Classic Car Show - 07/23/07 02:53 PM

Thank GOD the rain stopped Sunday morning! Being a Kirkland resident, I was looking forward to seeing all the classic cars and crouds of people, sponsored by The Legends Car Club, it always falls on my birthday weekend. Due to the rain, it seemed like only a third of participants were there … (2 comments)

hope lending: Beware of Scam Artists - 07/21/07 05:35 PM

With a simple search of "scam" for blogs I found this and thought it would be worth posting. When is the last time you took precautionary measures to educate yourself to BEWARE? As professionals, we should also be reminding our clients of potential dangerous situations. I encourage you to take time … (16 comments)

hope lending: SEAFAIR FESTIVAL AUG. 3-5th - REMINDER **BRIDGE CLOSURES - 07/21/07 02:06 PM

I love Seafair! An entire weekend of Boating, Blue Angels, Hydroplane Races, Concert, and Fireworks! 26th Annual Seafair BallJuly 26th 9:00 pmShilshole Bay Beach Club See you there! … (6 comments)

hope lending: Street of Dreams is HERE NOW - 07/20/07 02:09 PM

Seattle's Street of Dreams is in Woodinville this year and going on now. There are Special Events happening daily.

Get your $3.00 off Coupon.
… (9 comments)

hope lending: Can you feel the MEME coming? - 07/20/07 01:22 AM

Let the fun begin!
ME ME ME ME ME ME ME!!!!!
WOW....that was exciting for me. Not sure of the last time I made things all about me. Coincidently, I am going into my birthday weekend and have most of these things fresh on my mind as I reflect another year gone … (21 comments)

hope lending: HOME TIPS included in my NEWSLETTER - 07/19/07 09:04 PM

I write a monthly Newsletter that I send to all my clients and associates. Each month I include a section on Home Tips. Here's how it looks.  Do you have anything additional you could suggest I add?
Think seasonal safety, weather & disaster preparedness, water leak and fire prevention.
1.       January - Keep a multi-purpose … (4 comments)

hope lending: Enter a Buyer into a Purchase & Sale Agreement WITHOUT AN APPROVAL? - 07/19/07 01:17 PM

Has anyone seen this happen?
I recently had a client who really wanted a new home, even though I advised them they needed a 620 fico as Self Employed for 100% financing. They were driving through a neighborhood, only to stop at the builder's office to ask more questions. For sake … (7 comments)

hope lending: Loan Officer's in WA - REQUIRED LICENSING by 12/31/07 - 07/18/07 02:27 PM

Loan originators doing business in Washington State must be licensed with DFI's Division of Consumer Services.
Follow the steps below:
Step One: Complete an online license application. The online license application requires you to pay the application fee ($125) with a credit card.
Step Two: Mail the following items to DFI:
A … (0 comments)

hope lending: Credit Analyzer & Repair - FREE - 07/17/07 11:52 AM

When you order your credit report through my secure site I offer FREE tools to help you improve your credit.
Privacy & Identify Theft Protection Analyzed Report with several suggestions on how to raise score Letters to Dispute Errors Letters to Request Changes that will improve your score This service is unique … (18 comments)

hope lending: Economic Impact on Mortgage Rates - 07/16/07 09:42 PM

The economic news calendar is normally responsible for moves like this - but with a super thin schedule of reports last week, it was everything else under the sun driving the action. First, Stocks had a terrific week overall - and investors that want to move money into the Stock market … (10 comments)

hope lending: ARE YOU WAITING FOR SUCCESS TO ARRIVE, OR ARE YOU GOING OUT TO FIND WHERE IT IS HIDING? - 07/01/07 02:15 PM

The poet John Milton's words "They also serve who only stand and wait" may be both profound and genuine, but the true riches of life are far more likely to accrue to those who actively go out and seek them. Seldom does success come marching in accompanied by a brass band … (1 comments)

hope lending: NY Purchase Mobile on Lakefront - 06/27/07 02:33 PM

I am trying to find a lender that will finance this Owner Occupied purchase of $110k. His Fico is 704 and he is No Doc (I think he is just shy of his business license for 2 years). He has about $100k in assets. He is willing to put down up … (1 comments)

hope lending: HAVE A WELL-MANAGED BUSINESS - HAVE A SELF-MADE PROMOTION!! - 06/26/07 06:26 PM

IN A WELL-MANAGED BUSINESS, ALL PROMOTIONS ARE SELF-MADE. THE EMPLOYER'S ONLY PART IN THE TRANSACTION IS TO CHECK CAREFULLY TO MAKE SURE THE PROMOTION WAS EARNED.
The perfect formula for destroying morale in any organization is to create a working environment that leads employees to believe that the only way to get … (4 comments)

hope lending: Sharing your Business Philosophy may EARN YOU MORE BUSINESS - 06/23/07 01:40 PM

During the formation of this company, I sat down to write my Philosophy Statement and am so glad I did. I include it with my marketing materials to clients, Agents, and anyone I meet to discuss business together. This has really helped people understand more about who I am and believe … (14 comments)

hope lending: WANT MORE PRODUCTION? - 06/23/07 12:30 PM

FIND OUT HOW TO GET PRODUCTION UP, AND IT WILL DRAG YOU AND A BIGGER PAYCHECK ALONG WITH IT.It's common knowledge that the person who knows the most about how to improve the productivity of any job is the person who holds that job. Why is it, then, that we are … (4 comments)

hope lending: IF YOU MUST MEDDLE IN HUMAN RELATIONSHIPS, TRY TO BE A PEACEMAKER. - 06/23/07 01:38 AM

...YOU WILL FIND THAT YOU DON'T HAVE MUCH COMPETITION.When faced with a conflict between others, most of us are more inclined to walk away from the situation than to become involved. If we do allow ourselves to become a participant, it is usually by adopting the position of one at the … (3 comments)

hope lending: THE HABITUAL PROCRASTINATOR IS ALWAYS AN EXPERT CREATOR OF ALIBIS. - 06/21/07 03:29 PM

If you are so inclined, you can always find dozens of reasons why something can't or shouldn't be done-and precious few why it should or could. It is far easier to rationalize that it's too difficult, too expensive, or too time-consuming than to accept the idea that if we are willing … (3 comments)

hope lending: Extreme Makeover HOME EDITION - Does anyone else cry when they watch? - 06/21/07 03:12 PM

I love watching this show as it provides families with a new home. Many families have lost a provider or are suffering from a disease or disability and need help with their home. I seldom cry at movies, but I must say.......each week I look forward to my regular tear-jerker showing … (14 comments)

hope lending: How to get the BEST APPRAISAL - 06/19/07 03:03 PM

Let's face it, for mortgage lenders this is critical. I'm certainly not saying it isn't important for the client or the Realtor,but here's the issues I face when preparing their mortgage.
I'm not an expert with assigning a value to a property. Without a doubt, the Realtor is much better prepared … (21 comments)

hope lending: YOU DON'T HAVE TO DO MORE THAN YOU ARE PAID FOR.... - 06/19/07 01:38 PM

.....BUT YOU CAN PUSH YOURSELF AHEAD MIGHTY FAST BY DOING IT VOLUNTARILY.
Initiative is that exceedingly rare quality that prompts-no, impels-a person to do what ought to be done without being told. It's also a commodity upon which the world places great value. Initiative will immediately set you apart from the competition, … (7 comments)

hope lending: Vacation Home Ownership - One Step Closer to Retirement - 06/18/07 11:05 PM

Well for all of you that think about it, let me help you get another step closer to doing it! This past weekend I had the priveledge of visiting Desert Aire Resort in Eastern Washington. I really am reminded of what a beautiful state we live in, with everything it has to … (0 comments)

hope lending: Are you a GOOD LISTENER? - 06/18/07 10:29 PM

Last week I attended a business lunch at the Columbia Tower Club. Betsy Lydle Smith does Virtues Training in Bellevue, WA and taught us about effective listening. The 6 Steps to Excellent Listening as Betsy described were:
1. Be fully present and offer receptive silence.
2. Ask "Cup-Emptying" Questions that begin with WHAT … (3 comments)

hope lending: THE PERSON WHO COMPLAINS.... - 06/15/07 06:31 PM

THE PERSON WHO COMPLAINS THAT HE OR SHE NEVER HAD A CHANCE PROBABLY HASN'T THE COURAGE TO TAKE A CHANCE.Thomas Edison once observed that the reason most folks don't recognize opportunity when it comes along is that it is often dressed in coveralls and look like work. Often opportunity involves a … (4 comments)

hope lending: A MOST BENEFICIAL USE OF TIME IS SILENT MEDITATION, WHILE SEARCHING FOR GUIDANCE FROM WITHIN. - 06/13/07 02:22 AM

We all experience rare moments when a blinding revelation comes to us, when we suddenly see things differently than ever before. Usually, however, we learn the truth about ourselves gradually, over long periods of time, from quiet introspection. We are all spiritual, but some of us have learned to tap more … (7 comments)

hope lending: BAIT AND SWITCH - How I got into the Mortgage Industry - 06/13/07 01:58 AM

When I talk with people I've been sharing success stories and bad experiences. I understand what not to do especially when it's been done to me and I DIDN'T LIKE IT. After reading Monika McGillicuddy's posting on Mortgage Officer referring client...right or wrong?, I am embarassed and upset with the treatment … (16 comments)

hope lending: HELP FIRE FIGHTERS with FILL THE BOOT for MDA - 06/12/07 12:59 AM

It's that time of the year again when our Fire Fighters volunteer their time to go out and stand on a busy intersection corner with their boot out for donations. Thousands of volunteers are out nation wide helping to raise money for the Muscular Dystrophy Association. These lifesaving heroes have also … (6 comments)

hope lending: LOAFING ON YOUR JOB HURTS YOUR EMPLOYER, BUT IT HURTS YOU MORE. - 06/11/07 05:26 PM

Some people expend far more energy getting out of work than they would spend doing the job well. They may think they are fooling the boss, but they are only fooling themselves. An employer may not know all the details of every job or every task an individual performs, but a … (5 comments)

hope lending: Prevent Identity Theft & Credit Fraud - 06/11/07 02:49 AM

Here's the letter I send to my client's after we've pulled their credit report.
Privacy Protection & Your Risk of Identity Theft
OPT OUT of receiving telemarketing and mass junk mail and decrease your risk of identity theft.
Included is the opt out information to protect your privacy and decrease the risk of identity theft. I highly … (3 comments)

hope lending: Credit Dispute Letter Requesting Removal of Inquiries - 06/11/07 01:53 AM

Re: Unauthorized Credit Inquiry
Dear American Express,
I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. … (4 comments)

hope lending: Credit Dispute Letter Requesting Collection Agency to Validate Debt - 06/11/07 01:52 AM

Under the Federal Debt Collection Practices Act, you are allowed to challenge the validity of a debt that a collection agency states you owe to them. Use this letter and the following form to make the agency verify that the debt is actually yours and owed by you. Keep a copy … (1 comments)

hope lending: Sample letter requesting a Collection Agency to validate & remove a listing from database - 06/11/07 01:49 AM

The following is a sample letter requesting a Collection Agency to validate and remove a listing from their database. This letter should only be used after a debt validation attempt has been made.
Wednesday, October 04, 2006
Name of CreditorAddress
In Re: Your name & Account #
Dear Collection Manager:
It has come … (2 comments)

hope lending: Credit Dispute Letter - 30 Day Followup - 06/11/07 01:47 AM

Today's DateCredit Bureau Name (Experian, Equifax, Trans Union)Address 1Address 2Address 3 Dear Sir or Madam:I sent your company a reinvestigation request on (fill in this date) regarding certain inaccurate items on my credit report. A copy of my original request and proof of receipt by your company is enclosed as an attachment. … (1 comments)

hope lending: Credit Dispute Letter - 06/11/07 01:41 AM

November 5, 2006ExperianPO Box 2002Allen, TX 75013 EquifaxPO Box 740241Atlanta, GA 30374 Trans UnionPO Box 1000Chester, PA 19022Dear Sir or Madam:I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your company. I request that you investigate the following items and respond to me within 30 … (2 comments)

hope lending: DON'T COVET THE OTHER FELLOW'S JOB IF YOU ARE NOT PREPARED TO ACCEPT THE RESPONSIBILITY THAT GOES WITH IT. - 06/10/07 08:46 PM

How often do you look at those around you and say, "I could do any of their jobs better than they can if I only had the opportunity," never realizing the price they have paid and the knowledge they have accumulated to earn the right to hold that position? It's easy … (2 comments)

hope lending: YOU WILL NEVER BE GREATER THAN THE THOUGHTS THAT DOMINATE YOUR MIND. - 06/09/07 07:59 PM

If it's true that you become what you think about most, it follows that the quantity and quality of success you achieve in your life will be in direct proportion to the size of your thoughts. If you allow your mind to be dominated by trivial matters, your achievements are likely … (2 comments)

hope lending: LIFE better backwards.... - 06/09/07 07:56 PM

I want to live my next life backwards. You start out dead and get that out of the way. Then you wake up in an old age home feeling better every day. Then you get kicked out for being too healthy. Enjoy your retirement and collect your pension. Then when you … (7 comments)

hope lending: How Credit Scores Affect Your Mortgage - 06/09/07 07:08 PM

Buying a house can be a fun yet daunting task. Most of the anxiety is caused by the loan application process. Most people today can't afford to pay cash for their houses so the loan process is one we can't avoid. And the loan process itself has become a very complicated … (19 comments)

hope lending: MY COMMUNITY to help qualify with poor credit, no reserves, and limited trades - 06/09/07 05:07 PM

… (8 comments)

hope lending: RATES UP still leaves room for FLEXIBLE lending and LOWER PAYMENTS - 06/09/07 02:10 PM

Current Price of FNMA 5.5% Bond: $96.09, -12bp
Just how bad was it yesterday? Mortgage Bond prices saw their sharpest single-day loss in three years. Investors sold off their positions in US Bonds on the news of Central Bank rate hikes in other countries, as these hikes make other global investments more attractive in relation … (0 comments)

hope lending: Subprime Market News - 06/08/07 03:28 PM

Since the end of 2006, 82 subprime lenders have taken a crash.
The good news is that many subprime lenders remain. How does this affect you? Well, if you waited too long to close your deal you may no longer qualify. Guidelines are tighter and compliance is looking deeper into your application. … (4 comments)

hope lending: Buying a home in King County: PRICES STILL RISING? - 06/08/07 01:53 PM

The majority of single-family homes sold within Seattle last month went for more than the asking price, an analysis by Windermere Real Estate shows. That trend in Seattle was strongest for two-bedroom houses. Less expensive because of their small size, they're in high demand as "starter homes." They brought an average … (2 comments)

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