An early morning phone call - 06/27/08 08:37 AM
 RING RING, now who is calling me this early on a Friday morning...... 
"Good Morning, Major Mortgage How can I help YOU?"  Oh Hi Lenn ,
 .....  (you will only hear my side of this conversation since I hate speakerphone) 
 .....  You have an interesting scenario there Lenn, wish I had … (5 comments)

Rate versus affordability - 06/20/08 10:58 AM
Mr. Belonger  has written another wonderful post about payment versus rate and that got me to thinking about a client of mine or 2.
  About a year ago this young couple came to be and they wanted to get start the process of looking to buy their first home.  So we … (5 comments)

What in the heck does ECOA,FCRA AND FACTA mean???? - 06/19/08 12:05 PM
 Yesterday in my office we had a debate on why I give my clients a copy of their credit report and that lead into a discussion of the laws the protect and govern credit.  And while a review of these 3 laws would take thousands upon thousands of words, being the … (5 comments)

If your client ask, Do you give them a copy of their credit report????? - 06/18/08 04:26 PM
   I just love having new loan officers in the office, the topics of conversation are endless......  Today, we get a referral from a Realtor that Bank XYZ has told this client that FHA guidelines are 3 years out of bankruptcy..... So my loan officer comes to me and no it … (17 comments)

Why DPA sould be saved - 06/13/08 11:31 AM
  There has been some discussion about HUD trying to do away with DPA (down payment assistance programs) and how loans that have utilized DPA have a "higher rate of foreclosure".  Now I wonder if they really do or if it is just a sign of the tough times; after all … (9 comments)

Is Credit Repair a SCAM???? - 06/10/08 08:31 PM
  DING DING... the bell has rung for round 1......  Ok just chill out and read what I have to type....... Most of your clients that have credit difficulties
ARE NOT IN NEED OF CREDIT REPAIR.......
especially if the mortgage professional is willing to spend some time and understand credit.
  … (12 comments)

Tomorrows Lunch and Learn: A review of AUS (Automated Underwrting System) - 06/10/08 10:37 AM
Thats right it is that time again.  Have a little lunch and learn a little about the dark side of the business, otherwise known as the Mortgage Profession.  And to be honest, this is a timely topic today; after all I have read and heard about Mortgage Professionals not pre qualifing … (3 comments)

No $#%&* Monday night on Radio Rain and it is JAM night - 06/09/08 10:30 PM
Lets start our Jam Band set with.... Well one of my favorites
 
Please Welcome to your audio receivers
Jethro Tull
FAT MAN
Now this next band might not be on your list, but this just might me the best rock band of all time and listen to the words of … (2 comments)

Is a DO NOT CALL LIST need on Active Rain???? - 06/09/08 07:55 PM

or maybe a NO NOISE LAW?????  How about just not call me or email me you credit counselors and lottery winner scam idiots.....
But Joe isn't Active Rain about "networking"......
YES
But
When I get 5 calls on a Sunday all from the same "company" wanting to network with me , … (7 comments)

 
Loan Officer: Joe Adams (Major Mortgage USA/Branch Manager)
Joe Adams
Montrose, CO
More about me…
Major Mortgage USA/Branch Manager

Office Phone: (970) 252-1700
Cell Phone: (970) 209-9802
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