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ft myers: It's not snowing in Southwest Florida...are you listening in New England? - 11/08/10 08:13 AM
I turned on "Morning Joe," when I woke up this morning, as I often do. Good show, in my opinion, for what that's worth. They were showing the national weather report and specifically focusing on New England. It made me wonder why I and others have been whining over the past few days … (2 comments)

ft myers: Contract Dates, Some Helpful Hints - 07/28/10 07:15 AM
Okay, so what's the big deal about contract dates? Well quite frankly, for me at least, the big deal is that I take them seriously.
I hate extensions!
Let's start by pointing out the obvious, or not so obvious.
A 30 day closing is not a 30 day closing.
Here's the … (10 comments)

ft myers: Buy LOW, Sell HIGH! pssst, this is the LOW part, BUY NOW! - 07/13/10 08:25 AM
This is a real old overused, cliche' right? How does it manage to survive through all the years? The answer is obvious. By the way I live in Southwest Florida, Ft. Myers/Cape Coral specifically, and this is the LOW part. So what creates a market with low prices?
Well, it's not … (2 comments)

ft myers: Do CASH Buyers pay more? - 06/09/10 08:34 AM
Well do they?
What do you think?
I'm in, and have been a part of the Southwest Florida market for quite awhile. I actually arrived here in 1992. It was quite different then.
We are going through a challenging and unique time. Here's one of the syndromes;
While fannie and freddie … (7 comments)

ft myers: Part Time Realtors/Mortgage lenders-How well do you serve your clients & do they know upfront? - 05/09/10 07:37 AM
Last first.
If you are a part time Realtor/Lender
Do you disclose this to your clients upfront?
Should you have to?
Like it or not there will be times, possibly crucial times in a transaction, when you are just
"not available"
It may sound cruel to put it this way, … (13 comments)

ft myers: I live in Florida-ranked #1 for Mortgage Fraud-SHAME on Us! - 04/30/10 06:59 AM
I moved to florida in 1992 and have resided here for all but 3 years since, those being the go, go years. Apparently the go, go years didn't just mean that the market was moving at an incredible pace, to many it meant
Anything Does!
This must STOP! NOW!
MARI, the … (0 comments)

ft myers: Qualifyable Income, What is it? - 04/22/10 06:50 AM
This seems like a very easy question, and maybe it actually is. It seems to me though, as a loan officer, that this has changed over the most recent years, but may actually be more clearly defined than in the past.
Why, because of the expanded use of the 4506-t.
… (3 comments)

ft myers: Are you Hunting or Fishing? - 04/08/10 07:29 AM
I was listening to Darren Hardy and Chris Widener discussing leadership this morning. I like to start out the day with a cup of positive, along with my coffee.
One of the topics was are you a "hunting" or "fishing" for your clients. How do you develop your business?
A hunter is … (5 comments)

ft myers: NO LOVE for Self Employed Borrowers - 03/13/10 06:59 AM
Okay let's quickly get through the first circumstance.
If you don't have the income, you don't have the loan.
That's all folks, pretty easy, huh?
Next;
If you don't report the income on your tax returns, you don't have the loan.
I make more $$$, but
Don't waste your, or my … (12 comments)

ft myers: Service Industries Expansion exceeds Forecasts; This is NOT a misprint! - 03/04/10 06:03 AM
Okay bring on the naysayers.
But Jay, but, but ,but
But Nothin!!!
"service industries in the US expanded in February at the fastest pace since October 2007,"
so says Bob Willis on Bloomberg.com
Last week
GDP figures showed a 5.9% fourth quarter growth rate which followed a 2.2 % increase for … (4 comments)

ft myers: Are YOU a better person today than you were yesterday? - 02/23/10 05:54 AM
What kind of question is that?
Do you even think about such things?
Well, maybe you should, or maybe you just shouldn't bother.
"You are the measurer of your success...only you truly determine if you're successful or not."
These are the words of Jeff Probst in March's issue of "Success Magazine." … (3 comments)

ft myers: MBA reports 90.57% of mortgage loans are current! - 02/20/10 07:31 AM
That's not exactly as THEY reported it, but then again it is.
Bloomberg.com reported that the MBA says that the delinquency rate for mortgage loans fell to 9.47%. Doing the math that means 90.57% are current, which in mortgage lingo is the opposite of deliquent.
These numbers refect the current nature … (10 comments)

ft myers: She's suing her mortgage lender for issuing a defective mortgage product, READ ON, it gets to be fairly ridiculous, in my opinion. - 02/19/10 06:00 AM
This is a Good One!
St. Petersburg Times staff writer , James Thorner, reports on February 5th that an unnamed homeowner, my discretion, is suing Wachovia Bank for issuing a defective mortgage product. Let it be said and made perfectly clear that Wachovia, especially with its purchase of World Savings was a … (7 comments)

ft myers: President OBama Please Help, Ban Cash Buyers, Now! - 10/01/09 01:03 PM
Mr. President,
We need your help! Please make this a priority. We need you to get legislation passed which will ban cash buyers, unless of course no one else wants to buy the property.
Think about it;
First, you're telling everyone how bad things are and here's all these investors running … (2 comments)

ft myers: (RAIN) Power of the People! - 09/28/09 09:35 AM
Reminds me of John Lennon;  "Power to the People," I can hear the music and John singing in my head. For some of you, you are just not old enough to remember John singing this. At that time, it was a protest type song.
Well in today's world Active Rain has … (7 comments)

ft myers: A New Sales Technique: Try Answering Your Phone! - 09/15/09 08:18 AM
I've read a few blogs recently about returning phone calls. It made me think about the good olde days, you know, before voice mail.
Oh, how did we ever survive?
So what I'd like you to do right now is stop for a few minutes and think about how you feel … (12 comments)

ft myers: "What's the Rate?" - 08/26/09 10:53 AM
Why is this the first question that potential customers ask? Actually it's quite simple. In most cases they don't know what else to ask.
This use to be a fairly easy question to answer. I'd really only need some basic information such as primary residence or investment property, FHA or VA, … (2 comments)

ft myers: Introducing "the Worry Free Mortgage" - 12/17/08 10:33 AM
The "Worry Free Mortgage" sounds pretty good, but can there really be such a thing?
Well, I'll let you decide, and remember nothing's perfect, so be nice.
What makes it "worry free" you may ask?
Good Question!
It's basically a first time homebuyers program, but remember in the mortgage business … (2 comments)

ft myers: The Bailout-Truly ABSURD!!! - 10/04/08 09:08 AM
Webster's
absurd;    ridiculous
That's a good fit to describe the bailout.
I'd just like to share a few Tasty Tibits from CNNMoney's "Special Report,"
Bailout:Will it Work?
Just my opinion, but we should have known THIS before we passed a $700 Billion piece of legislation, don't you think?
Get this;
"Financial … (9 comments)

ft myers: Forced to Listen!!! - 09/30/08 09:08 AM
If the elections weren't so close the bailout would have passed. There's little doubt in my mind.
Fortune reports that calls to Congressional offices are running overwhelmingly against the bailout plan.
Because of the upcoming elections our elected reperesentatives were;
Forced to Listen!
That's if they would like to continue to … (9 comments)