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Okay, I am back again to finish up 'thinking outside the box'. Summary of the first section: I talked about the difference between buying down an interest rate vs a buydown. The conclusion was that a buydown would be your best bet. But I also talked about goals and what this would mean to the whole equation. Again, we do know that you can't predict the future, but we certainly can have a good idea depending where we are in our lives. So that being said, the buydown would work for anyone even if they were to move in 4 years (34 comments)
Thinking outside that box…. What to do with the sellers concessions & where to apply the money. Buying down the rate vs the buydown…..Part 1. - 11/28/06 02:54 PM
I have been reading some good posts with some great comments over the last few days. And this post, The Value of the Buydown by John Klassen, and the comments in this post, inspired me to write this blog. The reasoning behind this is because I would like to give some different view points, so not only consumers will understand, but realtors in general. I think this blog will tie in perfectly with the two previous blogs that I wrote a few weeks ago. PMI (Private Mortgage Insurance); why you need it and the different types of PMI...... & The Myths (16 comments)
The City of Brotherly Love: Part 5 of 6 - Philadelphia Colleges & Universities ...... A series of blogs. - 11/28/06 01:39 AM
Don't let this picture scare you in regards to your kids going to college. This just happens to be a clasic when it comes to movies, Animal House , in 1978. But Philadelphia has some of the best Colleges and Universities in the Northeast Region. The University of Pennsylvania, once known as The Academy of Pennsylvania, was founded in 1749. Making it the oldest school in the Philadelphia area. There is some disagreement about Penn's date of founding because of a certain log found at Princeton University. But because of the uncertainties surrounding this, there is some connection between this school (27 comments)
The City of Brotherly Love: Part 4 of 6 -- Local Sites, Restaurants, & Pubs of Philadelphia..... A Series of Blogs. - 11/26/06 10:58 PM
I would like to start off with a Philadelphia tradition at first. Am I keeping you in suspense? Take a guess.... Philadelphia is so rich in tradition in so many areas, it's hard to keep track of everything that this city of 'Brotherly Love' has to offer. And what I am about to talk about has no certain category or classification. It could easily have gone under Part 2 which was historic sites and the history of Philly. It could also have gone under Part 3 which mentioned the Arts of Philly. The Mummers Parade, which finds its roots dating to pre-colonial times, resulted from (37 comments)
The City of Brotherly Love: Part 3 of 6 -- The Museums, Parks, & The Arts of Philadelphia..... A series of Blogs. - 11/25/06 12:24 PM
Museums & The Arts of Philadelphia: The art museums of Philadelphia offer a fascinating alternative to the well-known institutions of New York and Washington. In fact very few North American cities offer as rich and exciting an opportunity to view the full range and quality of American and European and world art as does Philadelphia. Picture on the right:Philadelphia Museum of Art-- Where Rocky ran up the steps. As one of the largest art museums in the United States. The nation's first art museum and school of fine art, the Pennsylvania Academy of the Fine Arts. Founded in 1805 by Charles Willson Peale, this (24 comments)
Top Trendsetters to watch in your upcoming markets…… Part 3 of 3. The Hispanic Sector - 11/24/06 01:16 PM
In my first post, we talked about Baby Boomers & Echo Boomers and in my second post, we talked about Single Women. With the growing population of Hispanics in many communities, these three groups represent a large part of the demographics that we as business people need to truly focus our attentions on. In 1983, an estimated 8.5 percent of Hispanic renters were saving to buy a home, compared with 12.4 percent of white renters. In 2001, 22 percent of Hispanic renters and 17 percent of white renters were saving up for a home, according to the study. Location is also a big (66 comments)
Philadelphia is one of the most historically important cities on the U.S.A. It was settled in the 1640s by the Swedes. In 1681, Charles II of England granted land to William Penn in what is now Pennsylvania. Penn chose Philadelphia as the capital of Pennsylvania in 1682 (which it remained until 1799), optimistically naming it after the Greek for 'brotherly love.' William Penn>>>>>> Although the Revolutionary fighting originated in the Boston area, Philadelphia became the center of political activities. The First Continental Congress met here in 1774. The Declaration of Independence was drafted in Philadelphia in 1776. During the Revolution, Philadelphia acted as the capital. The (19 comments)
Shop Til you drop & incorporating this into your work schedule..... - 11/22/06 01:36 PM
As more consumers shop from work, retailers gear up for Cyber Monday. Cyber Monday, the ceremonial kickoff to the online holiday shopping season, will likely be even bigger this year as retailers target at-work shoppers with lunch hour promotions and special savings. In fact, November 27, the Monday after Thanksgiving, is expected to be one of the biggest online holiday shopping days again this year. But for many of us, the day atfer Thanksgiving, Black Friday, is a day when the malls and stores are packed with shoppers. Will there be fighting in the stores? Bring your boots and boxing gloves. This (49 comments)
This blog is one of many blogs about Philadelphia. Here is the previous blog: The City of Brotherly Love: The Introduction of Philadelphia & what the city has to offer..... Many of us know that the City of Philadelphia is a Football town. Sure, it's won a few of Lord Stanley's Cups (the trophy to the team that wins the championship in hockey), but it will always be a football city because of its blue collar workers and because of WIP, the sports radio talk show. But there is so much that surrounds this wonderful city with lots of history (46 comments)
This will be a series of blogs for those of you not familiar with Philadelphia or those of you thinking about moving to this great city or within the region. In this particular blog, I am just going to point out many of the beautiful aspects of the City of Philadelphia. And then each day this week, I will take each highlighted topic and dissect each aspect of this wonderful city of Brotherly Love. Sports - Great Sports Town..... Very passionate fans, winning or losing. Sure, they threw snow balls at Santa Clause one year at an Eagles game. And some people (51 comments)
If you missed Part 1, please read this to catch up to speed. : Top Trendsetters to watch in your upcoming markets...... Part 1 Baby Boomers & Echo Boomers .
Many of us would think that the single women in today's society wouldn't be able to handle this type of transaction....buying their first home or a move-up home. You would be wrong. Single women now represent the fasting growing component of home buyers in the United States. According to the NAR (National Association of Realtors), single women represent 1 out of every 5 homes that are bought in (42 comments)
The Best Is Yet To Come - 11/18/06 04:57 PM
The soothsayers (truth, reality) are back, predicting the "sad" fate of the national housing market. All we have heard lately is that the industry experts have come out of the woodwork and are reporting glooming and dooming reports for the enitre industry. Many realtors and lenders are mentioning this throughout the U.S. And because of these reports, opinions are being formed that the foundation of our economy is in the process of crumbling. And part of this is due to the rising interest rates and the inflated home values. Well, if we can put aside the negativity and all drama that comes (12 comments)
Top Trendsetters to watch in your upcoming markets…… Part 1 of 3...Baby Boomers & Echo Boomers - 11/16/06 11:41 PM
Reviewing the rate issues at hand, job losses, and more homes on the market with fewer buyers, one of the most basic questions that you should be asking is.... "Who's buying homes now?" And we can take the next step to a larger question at hand. "Who will be driving the residential real estate market?" And "Who is my business." There are a few key emerging markets transpiring. The baby boomers & echo boomers, single women, and the Hispanic sector. Basically trying to understand these markets by figuring out how they influence the market and where to find them. We (36 comments)
A Realtor’s Guide to Price Fixing Commissions: - 11/16/06 12:51 AM
Price fixing is an illegal action which was defined in Ron Withers blog , Price Fixing: Un-American.........What Say Ye? Here is something that is starting to pop up online. Horizontal Price-Fixing in Cyberspace This is a great example what can take place in cyber space. This article talks about how one company or person can manipulate the general public by comments on their web site stating and slandering a certain industry. This certain web site and the people behind it would make you believe that everyone in this industry can't be trusted, that their pricing is too high, and that they would (75 comments)
Foreclosures: Banks & Lenders don't want your home, do they? - 11/15/06 01:48 AM
What ever happened to the old way of doing business. Just going down the street to your neighborhood bank and get a loan at any time based on a handshake. Everyone was friendly and willing to help, even when you were in trouble. Remind you of anything? Does "It's a Wonderful Life" come to mind? Not anymore.... Banks don't want your homes. They aren't in the business to sell homes. Then again, it seems like we might be heading into a new phase with some of the larger banks wanting to get into the real estate market. But that is not (45 comments)
My New Mortgage Office: Assured Lending Corporation & the Active Rain Community - 11/14/06 04:25 PM
I have actually spoken to a few of you about this and few of you knew that I made a new move to a new company 2 weeks ago. I actually opened up my own office with an associate of mine as my managing partner, Neil Burke. Between the two of us, we have 26 years of lending experience. The name of my new company is Assured Lending Corporation. There are many types of Branches: Net Branches or operating a branch or being a branch manager. I am the next best thing to owning my own mortgage company. It's like being a franchise of McDonald's. (19 comments)
What is a POWER PARTNER? Who are your power partner's???? - 11/09/06 08:32 AM
I was inspired in writing this topic after reading ANGELA PHILLIPS blog; CO-BRANDING. Power partner is a term that is frequently used in severl networking groups. I actually did a post on networking, Networking Groups..... How important can they be to your business..... several weeks ago and George Souto did a good blog on Are You Working Your Network.....OR.....Are You Missing Out???
Power Partners can be described as those people that you would want to associate with in order to have a good referal source around you. I think so many of us over-look those around us that are a part of this definition. (24 comments)
Okay.... I am not the type that would start a topic on politics, but I read a blog tonight by Leigh Brown; Have some skin in the game! America is great because we are allowed to have our own thoughts and opinions. Have the Freedom to do things in a lawful manner. Doing things within reason. Basically, having that right that many other countries don't have. This is GREAT... or is it? Who controls this sometimes. What are your true rights? Something that I have come to realize is that we need change.... a major change when it comes to who (24 comments)
I have been doing this for a little over 14 years now. When I first got into this industry, sure, I was green….brand new. Sure, I had classes in High School and College in regards to financing, economics, managing your money, your typical math classes, and even some accounting classes. But what got me were the lawyers and the accountants that told their clients not to do mortgages with points associated to them. Or the typical family member and your next-door neighbor that got this great deal with zero points and that this was the way to go. Even the talk (44 comments)
I was reading through some blogs over the weekend and Mark Flanders Silverdale did a blog that gave definitions of PMI. What is PMI and can it be avoided. This can be such a confusing and sometimes misleading concept of why you must have mortgage insurance. As Mark Flanders discussed, private mortgage insurance is not there to protect you, but to protect the lender in case of default. And the old rule is that you must have 20% or more down on the property to avoid this specific cost. I am only going to discuss the different types of mortgage (31 comments)
Your Higher Power, Family, Work, and Active Rain….. in what order do they appear for you? - 11/04/06 03:33 PM
At what point do we walk away from it all? Meaning, yes, family is important. But just Active Rain in itself can be consuming. Right Kristal Kraft ? (who is a mad blogger, but extremely good at it) I have read several comments and a few blogs that do mention this, that family is important. Having a plan and your priorities will help you be successful. Or will it? When I was growing up, my dad worked for a chemical company called Rohm & Haas. He started with them right out of college, graduating from the University of Wisconsin. Just an FYI (30 comments)
When a client says that they will follow you for life…. WHAT A NATURAL HIGH…. - 11/01/06 10:05 PM
I have been doing this for over 14 years now. Helping those to finance their new dream, may it be purchasing that new home or refinancing their current home for several reasons. Even helping those investors that want to add to their portfolio. I have talked to several of you on the phone from Active Rain and overall, I just love Active Rain. The continuous networking, a great Team (Caleb & Matt) that keeps this site active and improving daily, great people on here with great ideas, and just to be able to express yourself and feel like you have friends all (9 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.