mortgage: Oil continues to drop....optimism reigns!! atleast for now.... - 07/17/08 08:27 PM
Sometimes in life your right, and hopefully I am at this point in regards to oil. In my last few blog posts I've been suggesting that oil is going to soon be dropping to more manageable levels. It hit the peak recently and has in the past few days began to … (2 comments)
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mortgage: What advice should you give in these turbulent times ?? - 03/07/08 09:40 PM
I think it is safe to say that the recent market conditions are something most of us have never witnessed in our lifetimes. For those of us in the mortgage and real estate industry's, it's been pretty scary since August of last year. I've had a number of friends, relatives and … (2 comments)
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mortgage: Mortgage Mania is sweeping the country!!! WHY!??? - 02/25/08 04:49 PM
Here we go again, another rant by Karl about the evils of the mortgage merge account. I guess there wouldn't be the negativity on my end if I actually knew it was working in most cases. I had to chuckle, one such comment was from a gentleman who had paid down … (2 comments)
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mortgage: Thanks Jeff Belonger for scratching this itch!! - 02/08/08 12:09 AM
Actually I'm not angry at Jeff, I appreciate his newest post in regards to closing costs with mortgage loans. I totally agree that the current system is flawed! The biggest problem with closing cost's is everyone has an excuse why it can't be fixed. The big problem that most mortgage professionals … (3 comments)
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mortgage: Debt-snowball method...is it really the most effective way to payoff debt? - 10/29/07 01:16 PM
My partner and I have been discussing a number of seminars that we can offer our clients. We want to provide an overall financial package that includes everything, from buying your first home, to planning retirement. One problem we've noticed that throw most people off track is debt. The one basic … (1 comments)
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mortgage: Are real estate agents utilizing their relationships properly? - 10/17/07 11:04 AM
I've personally put together several FSBO programs over the past 10 years. One was particularly successful, and the other really never gained too much momentum. I think the biggest reason for one succeeding and the other failing was the timing. In 2003, Utah was going through a slllllooowww purchase market. Allot … (0 comments)
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mortgage: The industry sales seminar....Revival or Value? - 09/24/07 04:17 PM
This post should relate to most of us who are in sales and have attended a sales related seminar. Earlier today I was involved in a conference call with several of my colleagues. We all had one thing in common, we all attended a mortgage planning conference in Las Vegas this … (0 comments)
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mortgage: How to enjoy your Golden Years...Stress Fee and with more dollars in your pocket!! - 09/21/07 05:19 PM
Then you may want to speak to a licensed mortgage loan officer that has a strong emphasis in retirement planning. Few seniors understand reverse mortgage products, and many figure they can barely survive on social security and therefore do not take advantage of higher end Medicare supplemental programs that could save … (0 comments)
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mortgage: Reverse Mortgages fantastic addition to your business plans in 2008 - 09/19/07 05:51 PM
This is to all you mortgage professionals that are still hanging in there. Just wanted to share a great story of what a reverse mortgage can do for someone, and that opportunities are all around us every day!
My Aunt called me from a recent card campaign that I had sent. She … (0 comments)
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mortgage: Can I still get a mortgage loan?? - 08/20/07 11:39 AM
My in-laws were visiting last night, and the subject of our recent meltdown in the mortgage industry was brought up by my father-in-law. He's currently building a speculative home and wondered if he would be able to ever sell it. He had a number of questions about the market, and one … (1 comments)
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mortgage: Jim Cramer...love him or hate him, he's atleast entertaining - 08/03/07 03:59 PM
If this subject wasn't such a big issue right now, then I'd laugh at how Jim Cramer acts in this video. CRAMER VIDEO, But his point about the Federal Reserve maybe spot on. I'm not an economist, but taking pressure off of banks at this moment may not be a bad … (3 comments)
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mortgage: Utah real estate....staying the course! - 08/03/07 12:08 PM
Good news for those in the real estate market in Utah.
http://www.deseretnews.com/dn/view/0,1249,695197372,00.html
With the cacophony of bad news pouring in every day on the mortgage front, and the steady media stories of falling markets in California, Florida, Texas and other states. Utah is catching it's breath and maintaining.
Furthermore, the state department of real … (0 comments)
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mortgage: Use your Equity while you still can!! - 01/17/07 03:26 PM
(Along with my Mortgage Planning newsletter, I also send this practical advice newsletter once a quarter)
Utilize Your Equity While You Still Can
In past history the stock market has been quite volatile, real estate has proven to be a stable investment over the years. According to the US … (0 comments)
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mortgage: How do you trigger Enthusiasm in your clients.. - 01/08/07 11:12 AM
In an earlier blog I referenced a book that I've been reading. It mentioned that in networking situations that you should not be insincere or disengenous in your approach to a new relationship. However you do need to bring passion, enthusiasm or life to the relationship! As sales agents we have … (0 comments)
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mortgage: How do you find a proper mortgage planning specialist? - 01/04/07 12:04 PM
I know some of my fellow mortgage planners may cringe when they read the headline to this article, but I do hope that we all have an open mind to the whole concept of mortgage planning. We're not "Mortgage preservation" specialists, but we need to be mortgage planning advisors.
Like everything in … (4 comments)
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mortgage: The Story Of The Rich Apple Farmer - 12/15/06 12:05 AM
Should you payoff your home as quickly as possible or invest the equity?
Such a complicated question and there is not really on fit all answer to give. I've been mortgage planning now for 10 years, but I've really begun focusing on how to help a clients bottom line over the last … (1 comments)
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mortgage: Confessions of a mortgage loan officer - 10/26/06 11:10 AM
I've been a mortgage loan officer for 10 years, but I've been fully invested as a mortgage planner or advisor for the past year. To me the distinction is relevant, because most loan professionals (use that lightly) think little of the consequences or effects that their advice or lack of … (2 comments)
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mortgage: Housing market corrections may be temporary - 09/14/06 11:16 AM
I'm not an expert in regards to financial markets, but I keep a pretty close eye on inflation, oil prices, and the bond market. I've listened to experts in this field like Barry Habib, and subscribe to several online services. In the market I compete in we're actually doing better then … (0 comments)
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mortgage: APR Reform is needed - 09/13/06 02:06 AM
As a mortgage professional, my job is to provide my clients disclosures on what the true cost of borrowing money is going to be. In other words, we are supposed to hand out government required disclosures that will tell a borrower the whole truth and nothing but the truth.
Yeah...RIGHT! The truth … (6 comments)
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mortgage: Cash flow loans, are they dangerous - 09/11/06 06:38 PM
If your from the California market you've probably know more then anyone in regards to how to sell a "cash flow" or "option" loan. You know, the loans with the four different options each month. In Utah, (we're really conservative), we've been taught that a mortgage is a necesasry evil, and … (1 comments)
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