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san francisco loan officer: Last Call for First Time Homebuyer Seminar - 07/10/07 01:06 PM
Tonight I am hosting a FREE First Time Homebuyer / Homebuyers Seminar, for people in the San Francisco Bay Area. Anyone who is interested in Real Estate, and wants to learn about the ins and outs of owning Real Estate, is more than welcome to attend.
If you are interested in coming, please call me at 650-465-5846 or email me at jvetter@mercurylending.com to reserve one of the last seats available. It is time to act now!
We will be discussing:
Who is involved?
Types of properties
Qualifying Tools
Financing Options
Loan Structure
Budgeting
Expenses to buy a home
The seminar will take about 1:30 in total, if it does last longer, … (4 comments)
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san francisco loan officer: You Tube to expose my seminar worldwide! - 06/28/07 02:49 PM
I have posted earlier about a seminar that I am hosting on the Peninsula of San Francisco Bay, in Daly City, California, at the Land America Title Office on July 10th, 2007, and did some research on how I can take that seminar and expose it to not only the people that attend, but also to the masses.
San Francisco Bay Area First Time Homebuyers Seminar!
You Tube was the first thing that came to mind, and how to use it was the next concern.
When in doubt, search for the answer!
I went to the Active Rain search page and came across … (9 comments)
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san francisco loan officer: San Francisco Bay Area First Time Homebuyers Seminar! - 06/27/07 06:43 PM
First Time Homebuyers Seminar First Time
Homebuyers Seminar
July 10th 2007
6:30 PM Sharp
Location: Land America Title
333 Gellert Boulevard #100, Daly City, CA
RSVP at 877-395-8140 Extension #1
Please leave a message with your name, your phone number, address,
and the names of any other people that will be coming with you.
Speakers:
Jana Cole, West Bay Lovely Homes, Broker/ Realtor
To learn more about Jana Cole, you can see some of her writings at http://activerain.com/blogs/lovelyhomes
Jon Vetter, Mercury Lending, inc., Senior Mortgage Specialist
To learn more about Jon Vetter, you … (1 comments)
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san francisco loan officer: Budgeting Made Easy! Part 2 - 06/07/07 04:44 PM
Having already written my post on Budgeting, at Budgeting Made Easy! Part 1, I rethought the title. I realized that budgeting really isn't that easy. But with property estimating and planning, it can be! That is the purpose of this post.
So we have calculated our bottom line, or disposable income to determine what we can afford out of our mortgage. The easiest way to visualize it is with numbers. Let's say hypothetically your disposable income after all expenses (Step 5), and the number you have come up with is $2,000.
We need to determine what that number translates to for your mortgage. … (0 comments)
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san francisco loan officer: Budgeting made easy! Part 1 - 06/04/07 06:17 PM
Most people think they have it all under control. They get a steady paycheck, and know how much they can afford based on what they have now. I think that is wonderful! Those same people are thinking about starting the American Dream of home ownership, and think that the ease will transfer just as smoothly.
Homeownership can be easy, but properly planning is the essence of homeownership without stress. I get approached all the time by people looking to buy, and they currently pay rent of let's say $1000, and want to buy a home for $500,000. Being conservative, that will translate … (0 comments)
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san francisco loan officer: Cut the cr#*, excuses only go so far. - 06/03/07 01:52 AM
I was a speaker at a First Time Homebuyer Seminar this afternoon, and for last time was disrespected.
Let's start off with an explanation. I was approached to host a mutually run seminar in Oakland California, for First Time Homebuyers. I think of it more as a homebuyers seminar, let's face it even people with homes need the education!
Over the last couple weeks I met with the other coordinator to go over the details, and get it all set up.
One of the things I pride myself on is my professionalism. This doesn't mean that I am a snooty know it … (15 comments)
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san francisco loan officer: Prime or not Prime, that is the big mortgage question. - 05/31/07 01:06 PM
I was doing my daily routine today, which usually starts off with a look at the morning market on Bloomberg, and then progresses to reading cnnmoney.com. One of the first articles I saw was Wow, I could've had a prime mortgage.
It discusses the fact that 15-35% of all people in subprime loans were given to people that could have qualified for prime loans. I knew this was an issue, but not to this extent. Towards the end of 2006 and start of 2007, I had 4, yes 4, clients that I was refinancing, and all 4 of them were perfect … (2 comments)
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san francisco loan officer: Another scary Neg-Am story! ARRGGGHH... - 05/24/07 06:46 PM
It has happened again...Well, let's face it, happens a lot more than I hear.
I met with a Real Estate Agent I work with, who has a friend that bought a home in the San Francisco Home Loan Market in January, and was concerned because she didn't really know what type of loan she given, and wanted to find out. The Real Estate Agent was not the agent on the transaction, I know she would have looked out for her client at the loan signing. The buyer had been told she was getting a 4.5% fixed rate for 5 Years.
I have heard this … (14 comments)
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san francisco loan officer: Company Photos show your personality - 05/22/07 08:30 PM
Today was a beautiful day in San Francisco. A great day to capture on film. Our company has been waiting for the right day to have some fun, and get a good group shot.
Here are some of our pics. Do you think pictures speak for themselves when it comes to a company, or a person?
What do pictures say? Do you think artsy pictures have a better effect than smily face pictures? Have you gotten feedback from clients regarding your pictures?
Jon Vetter
San Francisco Loan Officer for your San Francisco Home Loan
… (0 comments)
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san francisco loan officer: There are four types of people... - 05/21/07 02:43 PM
Over the weekend I came to the realization that there are four types of people when it comes to credit. I think it is extremely important to find out who you are in the mix... Here are the four types:
1. People that think they have great credit, and do have great credit.
2. People that think they have great credit, but have bad credit.
3. People that think they have bad credit, and do have bad credit.
4. People that think they have bad credit, but have good credit.
In my experience, people are pretty aware of how they stand with credit, they have been told … (0 comments)
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san francisco loan officer: 10,000 points, is this a milestone? - 05/16/07 11:26 PM
So I have been actively participating on Active Rain for the 2 days short of 1 month. I just hit 10,000 points today, and searched on google for San Francisco Loan Officer, and I am fourth on the list! Now, earlier today, I was on the second page.
Is this because of breaking 10,000 points I have gotten a little more strength on this site? Is it my position ranking in the local areas that are getting better? Why is it that I am on there more?
Believe me, I am excited, I just want to know so that I can exploit … (10 comments)
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san francisco loan officer: San Francisco Festivals- May 19th Weekend Festivals - 05/16/07 08:41 PM
The best time of year has come for San Francisco. There are many many wonderful weekends of great weather and fun coming. Stay tuned for more breakdowns of future weekend events. Here is a list of what is happening this weekend, the weekend of May 19th.
Asian Heritage Street Celebration - Both Saturday and Sunday
11:00 am to 6:00 pm, Howard Street between 5th and 7th Street. The will have food, music, arts, crafts, you name it!
Dolores Park Festival
11:00 am, Dolores Park between 18th and Dolores Streets. Brass musicians, tribal drummers, performance artists, DJs and more.
Eight Annual San Francisco Oyster and Beer Festival for … (0 comments)
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san francisco loan officer: Last Call for Loan Officer...Last Call - 05/15/07 06:11 PM
The mortgage business has been flooded with Loan Officers looking to make a quick buck. Why? Because it is easy...Pass a couple online classes, take a test...Presto! You can do a loan...
Sometimes, if the broker has the right license, you don't even need a license!
That is great, and some of the services other Loan Officers can offer are wonderful, but long term relationships and trust is most important. It is time to stop shopping, stop floating from broker to broker, stop wasting time, and settle down with the right broker. Am I him/her? Maybe...I think you would be doing yourself a … (2 comments)
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san francisco loan officer: Has my pre-qualification expired? - 05/08/07 04:19 PM
I got a call from a borrower that had been pre-qualified for a San Francisco Home Loan with one of our other loan officers that has since left the company, and the borrower's question to me was, "Is my pre-qualification still good?". That is a tough question, and I think that the question warrants explanation of what a pre-qualification is, and what a pre-approval is. Check out this post for some more information, it is along the right lines. ( Larry Morris- he is sort of competition because I am licensed in Oregon, but who cares! He wrote a valid piece! ) Often times, we can … (5 comments)
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Jonathan Vetter
San Francisco,
CA
More about me…
Mercury Lending
Address: 444 De Haro Street #130, San Francisco, CA, 94107
Office Phone: (415) 371-8400 x 232
Cell Phone: (650) 465-5846
Email Me
These are some of my insights on the Bay Area Home Mortgage market, and California and Oregon in general. Please let me know if you are liking what I am writing!
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