May is National High Blood Pressure Month

Almost one-third of people with high blood pressure don’t even realize they have this potentially dangerous condition.  In fact, most people have high blood pressure for years going unnoticed.

Having High Blood Pressure is often called the "Silent Killer" which can lead to:

• Stroke
• Heart Attack
• Heart Failure
• Kidney Failure

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Just-In-Time Loans - Mortgage Needs and Advice on Time. (757) 692-3464

May Is Asian Pacific American Heritage Month

Not many people know about May being Asian Pacific American Heritage Month (APAHM) even I didn't know until some one told me last week.

Well here's to being cultured and learning...

The whole month of May is to commemorate the contributions of people of Asian and Pacific Islander descent in the United States.

Congress passed this even in 1978 to coincide with the anniversary dates of the first Japanese immigrants in America on May 7, 1843 and the completion of the transcontinental railroad (by many Chinese laborers) on May 10, 1869.

In 1990 Congress voted to expand it from a week to a month long celebration and in May 1992, the month of May was permanently designated as “Asian/Pacific American Heritage Month.

Culture

I have always been a firm believer of learning from all cultures of the world because we just make up a small portion of the world and there are many types of cultures out there to learn and enjoy.

I myself fall under the "Pacific Islander" category for my Mom is Filipino and my Dad is Caucasian.

So it's interesting to hear that many people around the U.S are celebrating this month.

http://news.google.com/nwshp?hl=en&tab=wn&q=Asian%20Pacific%20American%20Heritage%20Month

I hope some of you have learned something today and maybe take part in expanding awareness and culture, Cheers everyone and have a fantastic month!!

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Just-In-Time Loans - Mortgage Needs and Advice on Time. (757) 692-3464

Don't Be Quick To Turndown a Loan

Just last week a client was referred to me by reading one of my blog posts.  The reason he was searching for a local lender is because he tried to get approved in refinancing his mortgage from an 8% rate.  The lender he tried to go with did not even bother calling the client back after pulling his credit.  This is a sign that usually the client had qualifications lower than the minimum and the loan officer decided not to call the client back.

However, I work with the client till the end even if they don't qualify now, I will try to find a way to help them work on their credit or finances so they can be ready down the road.  Customer for life and not a customer for right now as I always say.  So when working with the client I have came to find out that he had scores under 550 but also had a FHA loan insured.  Under FHA Streamline guidelines I was able to refinance my client with...

1.) No Appraisal Necessary

2.) No Credit Check

3.) No Income/Assets Check

This is a great way to lower your rate and payment even if you are upside down in equity, having trouble verifying income or even having trouble with low fico scores.  Below are the guidelines for a FHA Streamline Refinance.  More information via HUD on the FHA streamline can be found here. 

• The mortgage to be refinanced must already be FHA insured. 
  
• The mortgage to be refinanced should be current (not delinquent). 
  
• The refinance is to result in a lowering of the borrower's monthly principal and interest payments. 
  
• No cash may be taken out on mortgages refinanced using the streamline refinance process.
  

Show Your Appreciation on Administrative Professionals' Day

Not to hinder off of Earth day today but today is the National Administrative Professionals' Day or formerly known as Secretary Day.

This day is to recognize the work of secretaries, administrative assistants, receptionists, and other administrative support professionals.  This includes your processors and loan closer guys!

These people are the backbone of our business and they work hard in keeping the process in line which in turns makes us more successful.  Without them, your team will not function.

Take this time to show your appreciation and recognition in the work these hard working professionals do that sometimes might get overlooked.

A simple e-card or a thank you can really make someones day.  I just sent out 3 e-cards today and I can't tell you how much they appreciated the simple gesture!

So Happy Administrative Professionals' Day Everyone!!!

Do you see a Old Woman or a Young Woman in this picture?

Many of you have seen this picture before and there is no right or wrong answer.  We see what we want to see or believe.  Both women are actually shown here and it's up to you whether you want it to be a Young Woman, Old Woman or both.

I think, Therefore I am........

I have done a couple presentations these past few weeks and when talking about Technology and Change, some recipients tend to speak like this

"I am too old for this kind of stuff"

"I am not just cut out for this kinds of stuff"

"I just don't have time for this stuff"

"This is useless because the market still sucks regardless if I do this or not"

The mind is a powerful motivator....

You know for the people who complain and become stubborn in their ways, that's fine, its not their fault.  They have embedded in their heads they are this way and they made the decision themselves not to embrace change.

If you think you will fail...then you will fail.

If you think you are old....then you are old.

If you think you have no time....then you have no time.

The Success relies on re-routing your Brain 

If you want to become successful then re-wire your brain to not just settle with failing results but to see yourself with AMAZING successful results, whether how far and how unlikely it may be at the time.

It doesn't matter if it seems far-fetched, the very FIRST step my friends is to picture yourself successful and success will surely follow.

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Just-In-Time Loans - Mortgage Needs and Advice on Time. (757) 692-3464

ActiveRain 1 year ago March 2008

First of all I understand it's April 1st and I assure you it's not an April's Fool Joke.  I didn't even realize it has been one year until Karen Parsens commented on my blog bringing it to my attention, thank you Karen.

I don't want to make this prolonged or mushy so I will get right to it.

March 2008 I first blogged on ActiveRain and ActiveRain like many other Real Estate professionals on here was my first Blogging Experience aside from Myspace.  It's funny I was preaching to other Real Estate professionals about ActiveRain when I was in a marketing firm but I never really tried it out myself.

I eventually got back in my roots which was in the Mortgage World where I took 1 year break due to my old company falling apart.  I was happy and excited to be back in the business and ActiveRain was calling my name.  What intrigued me to AR was the helpful and outstanding community members they boast about and the fact where blogging is made super easy and welcoming here.

I believe these elements have made ActiveRain very successful.  The adversity of getting all my contacts and presence out there became really streamlined and simple with the help of ActiveRain.  I really enjoyed learning from other professionals on here and developed some strong Online Branding skills, especially with blogging.

Looking Back and Moving Forward

Looking back on this journey I learned so much, met so many great and interesting people and have grown internally and externally.  I would be lying to say it was not a tough year last year but ActiveRain was a valuable tool in my journey.

I thank all of you for giving me my 11 Featured Blog Posts

I thank all of you for having 94 Subscribers to my Blog

I had fun in 2008, I was getting my feet wet and now I am looking forward to 2009....I am hitting the ground running and look out world, I am ready to succeed!

Thanks again ActiveRain!

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As always thanks for checking out my blog, feel free to leave a comment and have a great day!

Just-In-Time's 1 year with ActiveRain!

Earth Hour 2009 March 28th

This is a reminder that tonight Earth Hour invites one billion people in more than 2800 cities representing 83 countries to turn off their lights for one hour – tonight, Saturday, March 28 from 8:30pm to 9:30pm in their local time zone.

All you have to do to Vote Earth is turn your lights out for one hour tonight, Saturday, March 28 from 8:30pm to 9:30pm local time, in your city. Your light switch is your vote!

Earth Hour is about more than dimming lights for sixty minutes; it’s about making a commitment to reduce energy consumption throughout the year. 

So I got to thinking what ways can I help conserve energy that a normal person who is in a business can do below are a few tips to consider.

• Turn off your office lights even if your broker/manager pays for it, its still a waste to keep it on.
• Turn on your energy management on your computer which can result in saving hundreds each year.
• Use long lasting light bulbs.  They may be a bit more expensive but they last longer than regular light bulbs which ultimately help save you money in the long run.

 photo credit: Nesster

1. Ask Permission.  Don't be too hasty when texting your client.  Not everyone out there will have a Text service where they have unlimited texts.  They might have a cap on Text Messages they receive or even get charged per text, rule of thumb here is to first ask permission if it's ok to text.  You don't want to lose a client because you racked up hundreds of dollars because of texting.
2. Keep it professional. Don't pass on Chain Text messages, don't send silly and pointless texts.  Nobody likes a spammer and you want to keep your client as a professional relationship because you never know if they will get offended or turned off.  Rule of thumb, keep it professional.
3. Don't use slang. When texting it can be very easy to get caught up in using slang like "O.M.G" or "T.T.Y.L" again these are your clients and not your friends and family.  Treat your clients with respect and the professionalism they deserve.
4. Don't just rely on texting. Although texting is super convenient and a great multi-task friend, you don't want to lose that personal touch with your client.  Don't forget to drop your client a phone call or in person.  Even if its just to say hi, you don't want to lose your human side of the transaction.
5. Avoid “text yell.” Remember that when you text in all caps the receiver might view that as you yelling.  I know how sometimes its easier to have your cap lock on but be mindful when it's your client, don't text yell.
6. Respect privacy. Keep in mind when texting to not pass on sensitive and private information like a social security number.  Make sure you are on a secured network like a company e-mail but be careful when texting because hackers have an easier target on phone networks.
7. Focus on driving. Practice cell phone responsibility while driving. Don’t text while driving in heavy traffic, hazardous driving conditions or better yet driving at all.  Hundreds die each year due to careless accidents like this. Text when your vehicle is not moving, and use a hands-free device to help focus attention on safety. 

    

    

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   As always thanks for checking out my blog, feel free to leave a comment and have a great day!

   Just-In-Time's Word on the Web