I was asked to pass it on and what better place to pass it on at but to activerainers...

If you're like me, you're fascinated with the mind. I know I have been, ever since I was small.

 Here is what she believes...

 Understanding how your mind works is enormously important for helping you reach your goals faster.  Even more importantly; Your subconscious beliefs are likely to be the primary reason you are not achieving everything you desire in life.

 So let's explore further how the mind works.

 The mind is composed of the conscious and the subconscious. The conscious part of your mind is the seat of logic and reason. The subconscious mind is the seat of habits and behavior. But the subconscious is the true powerhouse of the two.

 Your conscious mind (logic and reason) doesn't become fully formed until you are about seven. Beliefs are formed through the mirroring you received from your parents, family members, school,  and television - all your life experiences. Not surprisingly, you grow up thinking of these beliefs as ultimate truth. Some of these beliefs then will be positive and some negative.

 The mind is very much like a computer - it runs from the data that is entered. The computer doesn't question the logic or reason of the data, it just responds. Your subconscious mind does not question what has been inputted either. Your unconscious mind has been programmed since birth, and it will continue to run on these programmed beliefs until you change them.

 Your unconscious mind is something like 88% of your total mental power. It is much more powerful than the logical, conscious part.

 Think of your unconscious mind as big, dumb, and extremely powerful.

 On the other hand, your conscious mind functions from logic and reason. Though this part is only 12% of your mental power, you can direct your thinking to help your subconscious mind create healthy and value-creating beliefs.

 Once your subconscious mind is programmed, you attract experiences and people into your life in accordance with the beliefs you hold. Thoughts, being energy, vibrate at certain rates of speed, and those vibrations attract like vibrations.

You actually subconsciously draw into your experience that which you hold to be true. Remember this can be positive or negative, and can be directly in opposition to what you believe consciously!

 So, by changing unwanted and limiting beliefs subconsciously you can create a much fuller life.

 You can recognize what you subconsciously believe by what you think to your self over and over and what is really present in your life.

 For example, if you say you want to lose weight and over a lengthy period of time never do much about it, well your subconscious beliefs are keeping you from your goal.

 Some ways to change subconscious beliefs are, through affirmations, dreams, NLP and Hypnosis.

Long time, no post. I was in the hospital for 38 days and pretty much have taken a break since then. I just had spleen surgery, so crossed fingers that will do the trick so I don't relapse and be in the hospital for a long time again with TTP (thrombotic thrombocytopenia purpura)-say that 10 times fast! I have been been bouncing off the walls and have ALL if not more than ALL of my energy back from before I got this monster in 2006. Anyways, I have a couple of offers on the table for some mortgage companies. One of them, I did apply for, the other 2 I did not. They have all contacted me and they all seem like great deals. One of my questions is, how is business REALLY doing out there? Besides FHA streamline refis, are you guys really closing any deals in Atlanta metro? What are the hiccups now that are going on? I think it is still home values, have home values started to climb any? I just need to kind of know what's really going on in the market before I do anything. Also, I am working a part-time job, 20-25 hours a week, and I am able to live off of that. So, if I have a closing every once in a while, maybe I could get some extra money, but I don't want to go back full-time yet if I am not going to be making any money. So, give me your thoughts and of course you will get some free points! Shouldn't be too difficult for me to ask of you guys to answer my questions! :) Have a great day! Happy New Year!!

Long time no see. I have been cooped up in the hospital for almost 2 weeks now. I have relapsed with a rare condition called TTP (Thrombotic Thrombocytopenia Purpura). It is a rare condition where my platelets can drop lower than normal for any unknown reason. No cause and technically no cure for it. Different treatment methods work on different people. I have been thinking a lot since I have been here and really a LOT!! I am thinking about just starting all over with everything all over again in my life. I know most of you don't know what's going on in my life, but pretty much I just have to say I got hung up in the subprime/FHA mortgage mess. I am a loan officer. I am about to lose everything if I don't do something quickly. My theory is to file Chapter 7, liquidate everything, go stay with friends for a little while and start the heck all over. Say screw my boyfriend of 8 years, screw my house of 5 years, screw everything of 8 years since I have been here in Georgia. Start all over, get a fresh start, have no burdens and call it a day. Have no burdens as far as liens, judgments, credit harassment, repo and foreclosure threats. I will still have burdens in a different sense but at least most of them will be over with and I won't relapse with this monster again. I think this TTP is stress related regardless of what ANYBODY thinks of this condition (for me-that is). So, I just wanted to spread the news to you all and let you know. I am also considering changing mortgage brokers yet AGAIN to Freedom Mortgage. Freedom Mortgage has a retail side where they have no credit score requirements for FHA loans, which makes my wholesale broker life SO much easier. Then maybe my loans will stick better and my volume will pick up and maybe my money will pick up too. :) Anybody with Freedom Mortgage out there? Any opinions on the company working for them? Thanks for reading this long and boring post from me! Have a great day!

I was doing my daily devotion as I do everyday and came across this devotion. I understand some of you are not Christian, but the basics still apply regardless of who or what you worship.

When you are tempted to feel hopeless and trapped in fear of the future...

1. Life is full of negative things that might happen.

2. As long as I choose a path of personal growth, I will face fearful situations.

3. Acknowledging my anxieties is a positive first step.

4. An attitude of optimism will make today more enjoyable.

5. Choosing a faith-filled decision is much less frightening than living with the underlying fear that comes from feeling helpless.

These are so true and I hope you are able to apply this to your life, regardless of what or who you believe in.

 Fannie Is Poised to Scrap Policy Over Down Payments

Fannie Mae is expected to announce Friday that it is scrapping a policy requiring higher down payments on home mortgages in areas where house prices are falling.

 The change comes in response to protests from vital political allies of the government-sponsored provider of funding for mortgages, including the National Association of Realtors, the National Association of Home Builders and organizations that promote affordable housing for low-income people.

 Those various groups have said the policy is hurting an already feeble housing market by shutting out too many potential buyers.

 The current policy, adopted in December and now due to end June 1, limits loan amounts in areas with declining home prices, including most of the densely populated parts of the country.

 For instance, if a loan program normally allows people to borrow up to 100% of the estimated property value, the maximum is cut to 95% in "declining markets."

 Under the new policy that is taking effect next month, Fannie will have the same maximum loan percentages across the country for people purchasing single-family homes that they intend to occupy, according to people familiar with the plan.

 For borrowers approved by Fannie's automated underwriting program, the maximum generally will be 97%. For those approved by other means, the maximum will be 95%. (Fannie also has some loan programs, typically offered through state or local housing agencies or nonprofit groups, that allow certain borrowers to make no down payment.)

Fannie is expected to continue to have variable down-payment requirements on mortgages considered riskier, such as those used to buy investment or vacation homes.

Fannie and its main rival, Freddie Mac, own or guarantee the bulk of U.S. home mortgages and so set nationwide standards for lenders. Freddie also has a policy requiring higher down payments in declining markets. But Freddie earlier this month said it wouldn't require lenders to drop below 95% of the estimated value.

In a letter to the Realtors last week, Freddie also said that it is applying the policy flexibly. For instance, if appraisers can demonstrate that home prices in a given neighborhood are stable or rising even though values are falling in the wider metropolitan area, the declining-markets policy doesn't apply.

By softening the down-payment policies, Fannie and Freddie are taking more risks.

Borrowers who put just 3% to 5% down in many areas are likely to find within a year that they owe more than the homes are worth because prices have fallen, a situation known as being underwater.

In some cases, deeply underwater borrowers are choosing to walk away from their homes rather than trying to find a way to keep on paying, Patricia Cook, Freddie's chief business officer, told analysts this week.

But Fannie officials have argued that they have tightened lending standards in other ways -- for instance, insisting on higher credit scores for people who make small down payments -- to reduce default risk. Officials have also argued that underwater borrowers don't necessarily choose to walk away.

In a recent letter sent to Fannie and Freddie, the Realtors reminded the companies that the trade group in recent years helped them fend off Bush administration attempts to impose tighter regulatory constraints.

Fannie and Freddie may need the Realtors' lobbying support in the weeks ahead as Congress seeks to give final approval to long stalled legislation designed to improve regulation of the two companies.

Boy isn't this the truth? We all need to remember and implement these things everyday...when are you going to start?

 Here are seven specific things you can do at any time (including right now) to amp up your energy and attitude - without caffeine or calories!

Amp Your Attitude!

• Take action first. Dale Carnegie taught, "Act enthusiastic, and we'll be enthusiastic." He was right. Actions impact thoughts. Don't believe me? Ever gotten up and drug yourself around the house trying to get your day started? How much energy do you feel on those mornings? Compare that to the mornings when you hop out of bed because you are late. In which case do you have more energy in the moment?
• Assume you can. How many new ideas (or even old ideas) are immediately met with "that won't work," or "we can't do that"? Maybe you can't, and maybe it won't. But what if you started with the assumption that you could do it and that it would work? I'm not saying every idea is great or that you can do everything. But it does mean that ideas can be investigated from a perspective of can-do and hope. This approach will definitely create a better attitude - and better results.
• Have some fun. Take time out of your day and have some fun! I'm not suggesting forgetting or neglecting your work - but approaching your day with the spice of fun. What happens to your attitude when you are laughing? (My point exactly.)
• Look for the good. Look for the good in the day, in the situation, in other people. Look for the good in ideas, challenges and problems. Just look for the good - all around you. Once you choose to look for it - you will find it (just like you will find the bad if you look for it). And, your attitude will improve, guaranteed.
• Take off your black hat. In many situations I hear, "but someone needs to be the devil's advocate" or "I'm just being realistic". In my experience the same people are always the "devil's advocate" or being "realistic". If you always wear the black hat, take it off for a while. If you work with the black hat, ask for a black hat moratorium in your office for an hour, a day or a week. Even if you work by yourself, you will amp your attitude by being an "angel's advocate" (be "optimistic" about the end result) today.
• Change your environment. Maybe you can't change the paint in your surroundings, but you can change your environment. If you find yourself heading to the 'dark side', get up from your desk. Walk around the office or outside. Do anything to change your perspective and you will improve your attitude - the brief bit of exercise won't hurt either.
• Smile. I've saved the simplest and easiest for last. Smile. When you smile you feel better. When you smile - and others see it - they smile too (try it) and then you feel even better. If you want to amp your attitude right now, smile (it takes less than a second).

You can do any (or all) of these things right now. They are each a choice. Some may be easier for you, so it might be smart to start there. Start there, but don't stop there - implement these ideas and make your attitude (and results) soar!

According to the San Jose Mercury News, The lower rates have finally brought the savings to owners and would-be home buyers. I hope that means the lenders have stopped being so tight with that stuff. Glad to hear though that the jumbo mortgages are finally being helped, not enough, but thankfully they are finally being helped.

So, I guess the increased limits helped SOME parts of the country, now if they would get to the lower cost of living states and increase that limit that high!

We're waiting...

In the meantime, if you need a loan refinanced, give me a call and let me see what I can do for you!

The more business you originate, the more time you must spend on taking care of the business. There is no breaking this cycle. This leaves a minimum amount of time to spend on marketing for busy producers. According to Dave Hershman, industry author and trainer, the only real solution is to make sure that every action achieves maximum results through the use of synergy. Maximum synergy refers to the increase in effectiveness of your marketing activities through the linkage of objectives, tools, and targets. Here are seven rules to help increase your marketing effectiveness with maximum synergy marketing:

1. Every marketing activity must achieve two results. The goal is to perform activities that achieve secondary goals whenever possible. Perhaps a direct mail piece can be used to build your customer database as well as generate immediate business. 
2. Anytime you are marketing by yourself, you are wasting synergy. Who would want to market with you? Those who sell a non-competitive product. Examples of partnership-oriented activities are referral relationships, cross-marketing, or joint events such as seminars and trade shows. 
3. Certain targets are more effective than others. Your efforts can be spread too thin if you direct all marketing strategies to all targets. When you attend a settlement, which person at the table can be of more help as you develop your business? Choices should be made based upon potential synergy rather than chance.
4. Certain tools are more effective than others. One example is the difference between cold calling and networking. Cold calling is a tedious and exhausting practice that can lead to results one step at a time. Networking is the process of building layers upon previous efforts. Every successful networking step helps increase your overall effectiveness. With cold calling you start over again with every call.
5. Every action can be made more effective through additional doses of synergy. You can always make your marketing more effective by linking additional goals, targets, tools, and/or synergy partners. Attending a settlement with a gift for the purchaser of a home? What if you made the gift from the Realtor as well? How much extra cost or effort does this take? Yet, the results are significant. 
6. If there is no response mechanism, do not waste your resources. All your marketing efforts must include an irresistible lure back to you. Writing a letter? Include an offer for a free report on how to increase your credit score.
7. If you are not offering something of value to your targets, why bother? Coupons to save money for your services do not constitute value. Your coupons are seen as self-serving tools in the eyes of your targets. To develop your value offering you must think in terms of value to your clients. This will differentiate you from the competition.

How does the credit restoration process work?
 
RMCN Credit Services uses a "V" Phase ProcessTM  to have the inaccurate items removed from credit reports. There are Federal & State laws in place to protect the consumer from inaccurate and unverifiable credit reporting!
We make sure that these laws are being followed by implementing our "V" Phase ProcessTM :
I.                               Audit selected items with credit bureaus
II.                             Re-Investigate items on credit   bureau level and ask for method of their investigation
III.                          Validation of Debt (VOD) with creditor
IV.                         Revised Validation of Debt
V.                           Negotiate Settlement (if necessary)  
The first step is to audit the credit bureaus, creditors and collection agencies using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act and the Health Insurance Portability and Accountability Act. These four laws have been established to protect consumers' credit reports. Creditors and credit bureaus are legally obligated to produce documented evidence within a reasonable amount of time, generally 30 days, to back the claims they make. If they cannot validate their claims, they must promptly remove any undocumented information from the consumer's credit report.

If you have any questions or would like to get started restoring your credit, please contact me ASAP!

Sincerely,

Luis Madrid
National Consultant
RMCN Credit Services, Inc.

(972) 529-0900 Office
(214) 679-8577 Mobile
(888) 469-7372 Toll Free
(972) 562-0225 Fax

l.madrid@rmcninc.com  
www.RepairMyCreditNow.com
 
"Your Credit is Your Future" ®

When you are trying to refer someone in another state through activerain, what do you look at on their profile? Do you look at their activity, what they have to offer, their beliefs, their testimonials? I am just curious because I am referring people who I can't help to others and I am just curious as to how you guys assess them to be referred.