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Via Carol Lee Realtor ® Agoura, Oak Park, Westlake CA Homes (Coldwell Banker Residential): I believe that we live in the best country in the world. Yes, there are things that could be better, but at least (4 comments)
The holidays.... I just love them. Especially being around my family. For many that know, I am not married nor do I have any kids. But I have 3 nieces and 3 nephews. All with a unique story and each with a different personality. My sister, about 12 years ago, was diagnosed with cancer and was told that she couldn't have kids. After trying every possible method, they ended up adopting. They decided to adopt a boy and girl, who are now 9 years old. After they came back from Kazakhstan, where they adopted, she found out that she was (26 comments)
How many of you follow baseball? How many of you follow the New York Yankees? How many of you know who George Steinbrenner III is? Well, for some of you, Hal Steinbrenner has taken over the Yankees for his father. So, where am I going with all of this? How about having the Steinbrenner family work out a comp plan so they can buy some of these states that are in deep financial trouble. As you can see, Michigan is pictured on the left. One of the top 5 states that is in financial trouble. Not only with Detroit (17 comments)
With 2009 fast approaching, so are some key and important changes in regards to FHA loans. One important thing to remember is that FHA has made these changes official in their mortgagee letters, but that doesn't mean that investors or mortgage companies have to follow them. I will explain later....
What are the new changes?
Down Payment : The new down payment for FHA loans will be 3.5% down and not 2.25% down. Now, this is a tad confusing, because prior to next year, 2009, it was that the borrower needed 3% of their own monies. In (27 comments)
How important is communication to your clients? To the consumer? Are you the type that says that you will get back to them in 5 minutes, but it turns out to be 3 hours? How do you set your clients expectations? If your borrower either heard something from your office or from another person, do you just agree with it, or do you find out what was discussed first, before you say okay.
I bring some of this up because just today, I had a borrower who wanted some answers on what took place yesterday. I had put my (10 comments)
I feel like I am about to play back a broken record. But I received an e-mail today with this link. More bad decisions by G.E. Here is my initial problem with anything that is put out there for the consumer to read. It's one-sided, yet is sounds like good opinion and advice. hhhmmm... Exactly that, it's an opinion that sounds like fact, because of the figures mentioned.
Here is what was stated : Even though I am a mortgage banker, I would agree with the first statement. (there is nothing wrong with this statement) (10 comments)
I love the holidays - Past, present, & future (please click link before preceding)... I love gatherings.... and I love meeting people. ACtive Rain gatherings -- For those of you new or old to Active Rain, it can be so much fun to meet others that you have followed, who you have talked to, and those that you have made an online connection with. For those of you that know me, I guess you can say that I am a social butterfly. I just meeting people in general. But better yet, as I have mentioned, meeting in person those (22 comments)
FHA loans have been the main source of financing in the last 6 months. What I hate hearing is that they have taken the spot of the subprime loans. This is not true by any part of the imagination. This statement is from those that are inexperienced in both the mortgage and the real estate industries. The realization has been that 30% of the subprime mortgages in the last 5 years previous to the last 2 years should have been FHA mortgages, not subprime. And that is a hard core fact. The subprime loan for many years could go (31 comments)
Disclosure, disclosure, disclosure..... such a hot topic. Why is that? Well, HUD has decided to make some new changes to the Good Faith Estimate and to the HUD-1. HUD is stating that these are the first changes in over 30 years. HUD goes on to say that this new regulation should save borrowers $700 at the closing table. Huh? I don't consider myself to be naive or stupid when it comes to trying to understand the government's thinking. But how do you come up with $700? Here is my problem with this new regulation. Not only is it more (15 comments)
I am a genius! I have solved the housing crisis! - 12/19/08 10:10 PM
Beth Forbes is actually a smart cookie. And what she wrote about below is something that we should seriously think about, especially because all of the foreclosures taking place now. I think this truly would be a good solution to help solve part of this mess. Please read what Beth had to write about..... Via Beth Forbes Your 24/7 loan officer (The mortgage help you want when you need it.): Yes folks, I Beth Forbes, have a solution to the housing crisis! I'm a genius. The problem in a nut shell is over supply coupled with under demand. I read an article a (0 comments)
Active Rain Gathering Monday December 22 at 12 noon Note Change in Meeting Place Famous Daves 181 Jennifer Road Annapolis, Maryland phone 410-224-2207
Looking to meet some 'Rainers' that I haven't met as of yet. I am going down to the Eagles / Redskins game Sunday, for anyone that wants to meet to tailgate. The game starts at 4 pm. If not, I hope to meet many of you on Monday.
Why Annapolis, because I will be staying in the area. And I figured it is in between Maryland, D.C., (42 comments)
In today's society, we look to each other for advice, for counseling, expert knowledge on a specific subject, etc, etc. In many cases, we just go to the internet and Google a specific subject and poof, there are many links that appear from different people explaining or expressing different ideas or detailed specifics. But how do we know what is actually right? How do we know what is fact and what is opinion? My point to this is that I have been on several mortgage related sites in the last year and have found some information that (16 comments)
Shopping for a mortgage can be such a confusing process, even for those that have bought a home or refinanced previously. And in this first time homebuyers series, the biggest thing that I can't stress is the ability to pick that loan officer who will have your best interest at stake. I don't want this to be a debatable subject. There can be arguments based on : Make sure you get the loan officer through a referral (you can find people on the (15 comments)
Remember back in the 60's and 70's, when so many Americans were up in arms about 'Big Brother' watching us. And for the fact that so many believe that this is still happening. But let's take this a step further. What about those online that either search for a specific topic. Or that person that decides to Google you? As I wrote a few weeks ago, Google can be one of your better testimonials. But better yet, that person can find you online through such sites as Facebook, Twitter, or myspace. It's been proven over a short time that (21 comments)
You might find this odd, coming from a man. But I soooo love deals and I actually like different kinds of shopping, especially when I find great deals.
Overall, most of us love a great deal or what I call, "a great steal". Because of today's economy, I think we seek deals more than ever before. And to capture a great savings gives us a great feeling of joy.
Just the other day I read a blog by another loan officer that advised consumers to negotiate for their mortgage. If you were able to negotiate for (43 comments)
Warning… this blog is thought provoking, but is only for the weary sole that can outlast and read 1,500 words. But it’s worth your time…. Just my .02.
Today was an interesting day. My Google Alerts told me that someone mentioned me in a post. The title was "Mortgage Professional or Used Car Salesman? Why it pays to know the difference." In order to get an idea where I am going with this, you first need to read this blog. I need a quick fix !! Please pass me that 4.5% rate over here now !! (hint-I (31 comments)
WARNING…WARNING… information overload... In the last few days, I have seen several blogs talking about the 4.5% rate. Fred Chamberlin wrote this post. Could Mortgage Interest Rates Drop to 4.5% with Treasury Intervention? He put some good information out there which ended up with some thought provoking comments. But are lower rates just a quick fix???
I have read all the comments and I am a little disturbed at the lack of knowledge and or the lack of common sense that some of us show. I feel that there is something lacking in these comments, lacking (45 comments)
........ even though I really didn't care for you as a client. For many of you that know me, I would give you the shirt off my back. And I truly try to live by this fact that I don't judge others or hold things against them when it comes to business. My job in my opinion is to get it done in such a professional manner that you understood most of the mortgage process and that you got a good deal. This is the kind of story that makes you wonder if I should still be in the mortgage industry. (54 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.