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colorado: What will I do for you Mr./Ms. Realtor to earn your business? - 01/29/08 09:41 AM
As I was sipping on my adult beverage last night I was introduced to a new, just licensed Realtor. And the first thing this young man said to me was "what am I going to do to earn his business" (he had a bit of attitude,but I let it go after all he just got his license and all).  His cohort was backing up some and had this evil little grin, must have know what was coming.
 What I will do for your clients is very simple.  I will provide the best and most honest service to them as I can.  Now … (1 comments)

colorado: Advertising? Marketing? Where should our efforts be? - 01/17/08 10:00 AM
 Is a raging debate in our office for the last 2 weeks.  The loan officers are not happy that the advertising budget has been sliced and the focus shifted to the loan officer getting out and promoting themselves.  The company has offered to match up to $XXX in the loan officers efforts, but we do have to approve the message that is being sent out.  This is a classic tug of war between company and "independent contractor", but it can work if the dollars are being spent to support both parties.  Lets take a look at the traditional advertising venues.
Television.  Wow … (4 comments)

colorado: Financing HUD VS UBC - 10/18/07 01:05 PM
I received this email today and with permission am sharing our email conversation.  This is a topic as you know near and dear to my heart.  Manufactured homes, like FHA financing, scare people.  I think it is because there are to many people out there that don't know the programs and won't take the time to learn.
 
 Is it HUD or UBC? Answer below
From: PJ Email: PJHOLMES@********* Subject: HUD VS UBC
WHO DOES THE BANK LOOK TO, TO DETERMINE WHAT CLASS THE HOME IS IN?? IS THE TAG THE ONLY DETERMINING FACTOR? MINE HAS A TAG (HUD) BUT HAS A SET OF ENGINEERED … (5 comments)

colorado: And what did you do this weekend????? - 08/06/07 04:50 PM
As some of you might know I skipped out of the office Friday at noon and headed for Steamboat Springs for the weekend.  And after stopping at the corporate office in Grand Junction and the dive shop I finally got to the "boat" at 630 just in time for a drink and a big old Northern Colorado rainshower.  But we had a wonderful dinner and just as we finished the clouds parted and the bands started playing in the courtyards.  Saturday dawned absolutely perfect and a quick cup of coffee and off on the bikes we went with fishing poles on … (0 comments)

colorado: A study guide of FHA Loans - 07/16/07 10:34 AM
I know there has been a lot written about FHA and the advantages, but here is a little study guide that I like to hand out to my Realtors.  A lot of Realtors are afraid of FHA so lets try and take some of the mystery out of this wonderful little program.
Some Advantages of FHA
Owner Occupied Only3% Down Payment is required, maybe be gifted or included in seller contributionsMax of 6% seller contributionscash reserves not neededNon occupant co borrowers are acceptableNon resident aliens are acceptable with a valid social security card and a work visa, general with 2 or more years … (4 comments)

colorado: Let us all stand up and cheer for FHA - 07/12/07 09:04 AM
 
 
 
Yesterday I had an interesting call from a prospective client, one that use to work part time as a loan officer.  And during our conversation FHA loans came up and the FIRST THING he siad to me is that he will never do an FHA loan because they are so hard on a SELLER, he had no idea how easy they are NOW, but that will be another story. 
I have had 2 clients in the last 2 days that we will be doing a FHA loan for and these 2 clients did not qualify for conventional programs.  One with a 635 … (5 comments)

 

Joe Adams

Montrose, CO

More about me…

Major Mortgage USA/Branch Manager

Address: 1521 Oxbow Dr #125, Montrose, co, 81401

Office Phone: (970) 252-1700

Cell Phone: (970) 209-9802

Email Me

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