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Sure, this is a subject oftened talk about and frequently talked about on Active rain. But I wanted to give a little more information on what predatory lending is all about and not the misconception of what most might think it is.
Anyone’s commitment in the financing/mortgage industry should be to provide borrowers with the best possible financing, in the least amount of time, and for a reasonable fee. Home ownership is an American Dream and it is priceless. A loan should not be offered that would keep that dream from coming true. Or actually hurt that client down (19 comments)
Purchase Contracts: How different are they from state to state....... - 10/30/06 08:24 PM
This is a grey area because each state can be very different in regards to the agreement of sale. Even though I can do mortgages in any state, I only focus on a few myself. This is where the realtor and lender need to be on the same page. This is where the client needs a good realtor that understands the ins and outs of a purchase contract. There is nothing worse then when I have to advise the client of what they can and can’t do, because the realtor didn’t advise them correctly. And don’t get me wrong, I just (24 comments)
Famous Quotes from famous people...... - 10/27/06 11:35 PM
I have been reading so many great blogs about real estate, mortgages, certain stories in regards to these topics, etc etc.... Even Broker Bryant and the Lovely Wife seem to throw in some blogs with humor in them. So I wanted to change this up a little. I wasn't much of a history buff in High School and not as much as I should have been in College. But I love watching the history channel now and sometimes Discovery Channel. I thought I would start a blog based on Famous Quotes. I would love to read some of your favorites and possibly (67 comments)
People that over shop, looking for the best deal; can certainly even bring down the best of a sales person’s moral. This can be tiresome for the good realtor or loan officer that has to deal with these types of clients on a weekly basis. Most of us are here to help in one way or another. Sure, we all need to get paid for what we do. And some of us have our own ways of doing things. But when it comes down to deceiving the general public to make a quick buck, this is where it (25 comments)
Purchase Contracts (agreement of sale) VS Assignment Contracts - 10/23/06 02:46 PM
This is something that is starting to show up more and more in todays' industry. Nowadays, a realtor might not see this as often as a loan officer would in todays market. The reason being is that investors are the people that are using assignments more than your normal purchase agreements and usually use hard money lenders for their financing. This is a defination directly from a financial dictionary. Assignment Contract: A contract with a provision permitting the contract holder to convey his or her rights of assignment to a third party. This enables the contract holder to assign the rights and (24 comments)
After being on Active Rain for almost 3 weeks now, this has been a big topic of discussion and growing concern. We have talked about the “Pay Option Arm” and the “Interest Only” loans that seem to be the most at risk for today’s consumers. Both of these products have shot up with home prices. And critics say not all buyers know what they are getting into.
Federal financial regulatory agencies are concerned that buyers who use these so-called exotic loans could be at risk. Especially the subprime borrowers and others who may not qualify for more traditional mortgage loans or who may (35 comments)
Beware of REBATE CHECKS in the mail....... - 10/18/06 11:47 PM
READ ALL THE FINE PRINT...... This should be the first thing that you do when you get a rebate check in the mail. This has become an epidemic nationwide, preying on those that think they have free money. If you notice, the majority of the checks are all under $5.00. By reading the small print at the bottom of the check, it will state that when cashing the check, you become a preferred member of an agency. By doing so, the agency provides discounts to grocery stores, home improvement stores, and sometimes telling you that you will receive a free credit (12 comments)
Networking Groups..... How important can they be to your business..... - 10/18/06 12:19 AM
I was asked my opinion the other day by a loan officer in regards to the Chamber of Commerce. Everyone has their own opinions and thoughts, but my experience with our local Chamber of Commerce has been average. Don't get me wrong, any networking group can be beneficial in so many ways. Let's start with one that I am familiar with. Le Tip International. http://www.letip.com/ They are in 22 states now and Canada. The basic foundation behind this group is that you have 1 person from each type of business. Meaning that you would have only have 1 realtor, 1 loan (21 comments)
Walk-Throughs: The Aftermath…… what to do about it or what can be done - 10/15/06 07:37 PM
What to do when you give up your right to a walk-through last minute. I had a client back in June that was buying a home as a 2nd home near the shore. It wasn't the easiest of deals on my end because I had to do a stated income with 10% down. Most of all, their credit score was right on the bubble and just average. Well, I had to delay the settlement for 4 days because their credit score dropped a few points. Now it's funny, because I have talked about the baiting & switching methods from other lenders. But (6 comments)
It starts with the Republican and Democratic leaders on the House Financial Services Committee. They are planning to make predatory lending legislation a major priority next year, regardless of the outcome of the November elections. Now, with this in mind, whose better interest do they truly have in mind; the borrower or the lenders out there. I know there have been several blogs and comments made on behalf of this topic. The most recent of which was from Roberta Murphy, Predatory Lending and Decadent Spending , which gives us a great example of what can take place after the fact. Predatory (6 comments)
I have read several blogs in the last several days in regards to loan officers and their ability to actually helping the client with concrete and correct decisions. Those decisions that I am talking about are not those that would put money in your pocket quickly, because the client tells YOU, the loan officer, what they want. Sure, I believe in giving clients what they ask for, but if it could hurt them than help them, then are you truly doing your job? ABC (American Brokers Conduit) is actually sponsoring 3 day training seminars which covers such concepts as financial market (11 comments)
A Cell Phone that SCREAMS when Stolen...... - 10/12/06 10:11 PM
It's called Remote XT technology and it works by installing software onto the operating system of the phone. This will activate via a call to a call center once users realize their phone has been snatched or lost. Then the phone is remotely disabled, all the data held on the device is then wiped, and a high pitched screech is triggered. The screaming noise can then be stopped once the battery is taken out and will start screaming again when the battery is put back in the phone. Even if you replace the sim card, the phone can't be activated. The sim card (5 comments)
Does a question mark in the URL affect your ranking? - 10/12/06 08:08 AM
Well, I am not the best when it comes to computers and how blogging works 100%. But I was doing some searching on the internet and found out an interesting fact to share with you. But after reading some of these articles, it seems that this is still an ongoing study. How many of you even knew that adding a question mark (?) at the end of your title could get you a lower ranking. Long ago, this was a consensus in the search engine industry. Currently it seems that the search engine industry consensus is that Googles indexes URLs just fine and (12 comments)
Infomercials...... How many of you watch them? Are they real? - 10/10/06 08:13 AM
INFOMERCIALS….. what can I say? It’s sometimes like watching a comedy show. How many of you get suckered into this? Hey, I admit, I sometimes think I should call. Ever see the new lipo-pill? It reduces your fact from within, never needing lipo-suction. LOL I was like, gee, that would be great. Then I said, “wake up Jeff. Get real.” Infomericals arose because of the deregulation during the 80s involving television. But these originated on the radio at first. There are just countless infomercials on TV. 100's of 1,000's are made a year. But have you noticed that 99% of them are (13 comments)
Will a Realtor do business / refer business to a lender or loan officer out of state? - 10/09/06 10:46 PM
I just wanted to throw this question out there. Again, I have been in the mortgage industry for over 14 years. I have been with large lenders, a few mid sized lenders, and some smaller brokers. Even though I am based in Cherry Hill, NJ; I can do loans in any state with my current company. Ever hear of Cendent Mortgage (PHH/USA Mtg)? They are one of the top 10 lenders nationally and located in NJ. They do business in every state and very successful. But it helps when you are buying business also. LOL (long story) I get my business from (32 comments)
ARE YOU READY FOR SOME FOOTBALL!!!! I am so pumped, I feel like I am back in high school, getting ready for that rival game. Sure, the whole Owens thing has made this even more exciting and nail biting. But this will be a national event and Fox Sports will be back in town again. How many football citys can say that Fox Sports did their show live in their city not just once this year, but twice. And the season isn’t even half way over yet. The town of Philadelphia is so pumped….. I have lived here 85% of my life and I (23 comments)
My name is Jeff Belonger and I am with Infinity Home Mortgage Company. I am a Branch Manager and a loan officer. I have been in the mortgage industry for over 14 years. I have been with some large lenders, some small ones, and a few in the middle. The largest company that I was with was Norwest Mortgage, who merged with Wells Fargo. But before that merger, we were the number one lender nationally at that time. There has always been this argument that you shouldn’t go with a broker because they are a middleman. They charge higher rates and higher fees. Then (19 comments)
Is a Blog ever too long? Too much information? - 10/06/06 10:17 AM
Hi Active Rain members..... I am new to this site and very new to blogging. I posted my first blog yesterday and I think it was too long. Sometimes when I try to get a message across, I don't when to stop or sometimes give to much information. But in this case, I wanted to get some strong points across. The blog is about First time homebuyers and any comments would be greatly appreciated. Even if it is negative, because that is the only way I will get better at this. I wanted to keep the clients attention, but at the same time, (7 comments)
I just want to educate people about mortgages and the process.
In regards to lending, I am very creative, intuitive, honest, and one who communicates information, may it be good or bad. I am a loan officer that looks out for your best interest.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.