advice: May is National High Blood Pressure Month - 05/20/09 10:51 PM
 

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 … (1 comments)

advice: Cut-Throat Sales or Selling from the Heart? - 03/23/09 05:41 PM

 
What is Cut-Throat?
No, I am not referring to the act of Murder...I am referring to the definition of Cut-throat Sales & Competition.
Cut-Throat is the act of being relentless or merciless in competition or sales.  It's doing whatever it takes even if its to throw your competitors under … (6 comments)

advice: Young and Inexperienced Can Spell Success - 09/01/08 11:25 PM
Blog-o-sphere proclaimed Condo King and Rising Real Estate Rock star is named Jared Seligman of Corcoran Properties.
Who is Jared Seligman?
Currently at just only the age of 21, he is becoming widely known as the young powerhouse in Manhattan Real Estate.  Most Notable for his famous clients from the Olsen … (21 comments)

advice: Do We Need A Blog Disclaimer? - 08/29/08 01:43 AM

 
Why do we need a Blog Disclaimer?
This is a follow-up from my previous post "Appreciate your blogs before it's too late" describing the Rise and Fall of a fellow Blogger in the Mortgage Industry who get's blacklisted in having any digital footprints online.
This event has caused an … (79 comments)

advice: Appreciate Your Blogs Before Its Too Late - 08/26/08 10:51 PM

 
This is a Re-Blog so to speak to provide additional awareness and promote blogger rights.
The Blog in reference is from Tina Merrit's Blog "A Sad Story of A Wonderful Blogger"
Naoma is actually a real good friend of mine who I met when I first started in the … (18 comments)

advice: You Are A Client For Life - Not A Client For Now - 08/18/08 12:02 AM

 
How many times as customers do we feel like we been told what we wanted to hear just to close the deal and after wards never get the same attention as before and feel taken advantage of?
I am always a firm believer of the Ethic of Reciprocity which … (7 comments)

advice: Deceptive Spam Protection - 08/10/08 11:31 PM
Most people understand what SPAM is and have developed some ways to prevent SPAM.  Email filters, blockers and even getting new complete e-mail addys.
What most people don't know is the difference between Marketing Spam and Deceptive Spam.  Marketing Spam is the least threatful but still annoying.
Marketing Spam deals with … (3 comments)

advice: FHA Quick Savings Tip Regarding Increased MIP Change - 07/31/08 11:19 PM

Risk Based Mortgage Insurance Premiums
July 14 2008 FHA implemented a new system for the Mortgage Insurance Premiums.
FHA Premiums has been normally 1.5% and have now increased up to 2.25% based on credit worthiness.
 
 
Money Saving Tip
There is a way to avoid paying the max tier … (2 comments)

advice: I Foreclosed On A Bad Habit. I Quit Smoking. - 07/31/08 08:35 PM
 

 
The Bad Habit
I started smoking at the Age of 16 (11 years ago) just like the consensus says, I fell into peer pressure and all it took was one drag and I was hooked.
Being a teenager a lot of things looked cool to me and living … (33 comments)

advice: Tax Incentive For First Time Home Buyers - 07/28/08 10:17 PM

 
Great News  - Great News - Great News
A new incentive passed by the Housing and Economic Recovery Act of 2008 allows First Time Home Buyers to receive a $7,500 Tax Credit from the purchase of their new home.
From June 1st 2008 - June 1st 2009 will be … (6 comments)

advice: Multi-Task Social Networks, Im's & E-mail Accounts With Digsby - 06/16/08 10:38 AM

 
 
 
 
With Social Networking on the Rise and plenty of new sites out there to get yourself more exposure and more in the mix with all the online Buzz, it seem that it's harder to keep up with all your Social Networks than joining one.
 
Combination … (36 comments)

advice: Returning Phone Calls Spells Success - 06/07/08 11:50 AM

 
I just had an interesting week of coming across misfortunes of clients who had explained to me that the effort in their Mortgage Broker / Loan Officer getting back in touch with them or even to touch base was unbelievable.
I know we are not at a time where … (9 comments)

advice: Balance and Zen in Homeownership - 05/05/08 12:14 AM
Zen in Homeownership 
Becoming a homeowner is the the biggest American Dream there is. Homeownership has great benefits. Homeownership also comes with certain responsibilities.We are in a time that people became too hasty and rushed in the home buyers market without thinking ahead of the percussions.
Yes it was great that there … (11 comments)

advice: Buyers Don't Fold your Cards, Use Your Ace Up Your Sleeve - 05/03/08 12:12 AM
The Pre-Flop
I work with a couple Real Estate Investors in the Virginia Beach Area and they mainly invest in Short Sales and Foreclosures to sell back to potential buyers.
I had a client pre-qualified up for a $200,000 FHA Mortgage and the client was interested in buying a short sale, I called … (10 comments)

advice: Saving For Your Down Payment Using Check Cards & Texting - 04/29/08 11:47 PM
So your thinking about buying a house
A lot of mistakes I seen recently is new home owners applying for loans with the preconception of not worrying about reserves or a down payment towards their new house.
Even if you did qualify for a 100% LTV loan that doesn't require any reserves and … (10 comments)

advice: "Help Me, Help you!" get your loan approved! - 04/28/08 10:15 PM
The Beautiful Thing about FHA loans
FHA loans are truly unique because every Loan is different  There are guidelines that we follow in submitting the loans but the bottom line is that every loan submitted gets a chance to be looked at by the overall big picture.
The Big Picture
Myths are out there … (7 comments)

advice: Generation Next won't be spoiled like Generation Now - 04/27/08 09:24 PM
Back when times were normal
Rewind about two decades ago and we were accustomed to double digit interest rates on mortgages. Now a days people will cry FOUL if they were ever quoted a double digit rate on a mortgage.  Back then though it was completely normal.
There was no such thing … (19 comments)

advice: So Your Renting Again | It's Not The End Of The World - 04/23/08 08:47 PM
Un-Forseen events causing more renters recently
With the increase in foreclosures and more homeowners that can't afford to stay in their current homes due to financial hardship, job loss or mortgage payments.  People are resorting to renting once again or even staying with family and friends while they try to get back … (7 comments)

advice: Celebrating Earth Day with E-FAX - 04/22/08 08:33 PM
My Earth Day Support
Well to help celebrate this Great day called Earth Day, I wanted to share a tip to all of us in the Real Estate Business.  Even though this tip may be small, any effort to help with Eary Day's Main Vision will help tremendously!!
Before I share … (12 comments)

advice: When One Door Closes, Another Opens..... - 04/07/08 11:02 PM
Alexander Graham bell said it best " “When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.”
There is so much truth to that quote we should not be dwelling on … (22 comments)

 
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Justin Williams - Loan Officer

Virginia Beach, VA

More about me…

Prosperity Mortgage

Address: 317 30th Street, Virginia Beach, Va, 23451

Office Phone: (757) 490-9200

Cell Phone: (757) 692-3464

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