mortgage planning: Money Management Skills for a Happy Life - 03/11/08 03:01 PM
The stronger your money management skills are, the more likely you will live the happy life you want. It doesn't matter if you're Middle Class or a Millionaire, you will probably feel a few dollars short of comfort as some time. You need to have a plan if you are going … (19 comments)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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mortgage planning: 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)
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