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market update weekending 3-21-08 - 03/24/08 11:08 AM
"DARLING, I DON'T KNOW WHY I GO TO EXTREMES...TOO HIGH OR TOO LOW, THERE AIN'T NO IN-BETWEENS..." Billy Joel The financial markets endured another week of extreme bipolar behavior, with enormous intra-day mood swings that normally wouldn't be seen over the course of several weeks. While Bonds and home loan rates wildly rocketed higher and plummeted lower on a daily basis throughout the week, fixed home loan rates ended up improved by about .25% for the week overall. And last week...the action started unusually early, stemming from some almost unprecedented weekend actions by the Fed. Last Sunday night, the news broke that (0 comments)
Thinking Linearly - 03/21/08 10:42 PM
I recently went out and bought a great new book on time management, but just can't seem to find the time to read it. Does that sound familiar? It is funny, but all too true. So many of us who have found ourselves in commissioned sales positions continue to battle with a behavioral pattern that, if left unchecked, can truly hinder our ability to become all that we can and should. As a coach, I see this pattern weave in and out of the lives of many originators. It's very much like a nagging relative that you just can't seem to shake (1 comments)
Studies have shown that in the English language, next to a person's name and the word "mom", there is no warmer word than "home". This presents a tremendous opportunity for us because it is so easy for us to incorporate the word in our daily business. Use "home" instead of the words "house", "townhouse", "condo", "place" etc. You will instantly, albeit subconsciously, score big with your customers! (1 comments)
How would you handle someone offering free advertising to you? - 03/21/08 10:32 PM
This is an idea that has been around, but rarely used. I have been in the mortgage industry for the last 15 years and for the most part my business has been refinance (conventional / cash out / sub-prime). Over the past few years I have become keenly aware that my business is very dependent on refi's. I think, while the refinance market is still hot, there is no time like the present to start doing business with agents. I quickly found out that not only do agents not want me in to talk to them but their brokers don't want me in their office (2 comments)
Here is a re-print of what the Government sold us regarding lending limits and loan programs that they thought would “Save” us all and help the economy:
Stimulus Package: Lawmakers raise lending limits Do you qualify for a better rate? The Economic Stimulus Act of 2008 is a $168 billion plan intended to jump-start the sliding U.S. economy. While a lot of media attention has been focused on the $600-$1,200 rebate checks that millions of taxpayers will begin receiving this spring, the new bill is also designed to help certain "high-cost regions" of (1 comments)
Bank Statement Program Updates - 03/20/08 03:23 PM
DO YOU HAVE A SELF-EMPLOYED BORROWER... ... THAT CANNOT GO TRADITIONAL FULL-DOC? HAVING A HARD TIME FINDING ANYONE THAT STILL DOES STATED LOANS? TRY ABANK STATEMENT LOAN! 80% LTV CASH-OUT DOWN TO 560 SCORE. 85% LTV CASH-OUT CONSIDERED CASE BY CASE @ 640 PLUS SCORES. 90% LTV RATE & TERM/PURCHASE CONSIDERED @ 640 PLUS SCORES. 24 MONTHS PERSONAL OR BUSINESS STATEMENTS ALLOWED USE 100% OF DEPOSITS INTO PERSONAL ACCOUNT WITH PROOF OF SIMULTANEOUSLY OPEN SEPARATE BUSINESS CHECKING ACCOUNT FOR TWO MONTHS. USE 75% OF DEPOSITS INTO PERSONAL ACCOUNT. WILL CONSIDER 100% @ SCORES 640 PLUS. USE (6 comments)
3-20-2008 Market Update - 03/20/08 01:09 PM
Here is today's market update. Please subscribe to my blog if you would like these sent directly to you every day. I will be posting more information as often as I can. Thank you for listening. Larry Bailey (0 comments)
Have you REALLY tried to create Raving Fans??? - 03/18/08 09:02 PM
I just recently re-read "Raving Fans" and I am looking for some feedback from our AR groups. (please...)I certainly have my vision of what has worked well for me for the last 15 years of lending, buying and selling homes, but here I am in 2008, wondering if i was ever really doing it right.While reading the book, the 3 tasks/rules are to1. Know what you want2. Learn what the customer wants3. Deliver the vision plus one percentI believe that I can do this for my next group that I will be managing (group meaning customers (inside and outside)), but has (2 comments)
Why Fed Rate Cuts Do Not Equal Lower Mortgage Rates - 03/18/08 02:08 PM
This is an article worth while re-posting. The Federal Reserve reduced Over-Night rates by .75% and now fixed rate mortgages are higher (immediatly). Wonder why? Read on... Why Fed Rate Cuts Do Not Equal Lower Mortgage RatesBy Barry Habib, CEO Last Updated: February 28, 2008 The Federal Reserve has been on a rate cutting spree once more. Many mortgage applicants are calling their mortgage representative and expecting a lower interest rate. Others who have been waiting to refinance are puzzled as to why mortgage rates have not moved lower during the recent five Fed rate cuts. This is difficult to explain to consumers who (1 comments)
Market Update 3-18-08 - 03/18/08 10:58 AM
br> This is today's market update from Global Equity Lending Please let me know if you have any questions about it. Thank you Larry Bailey 609-257-3879 LarryB@wlgdirect.com (2 comments)
Asking the "9 Critical Questions" BEFORE you quote an interest rate - 03/11/08 08:33 AM
Here is a quick note about something that I take for granted these days. I have had a lot of people call me and ask the question, "What are the rates today?" only to get annoyed when I start asking questions. This has happened to me when the person is a stranger, friend, referral, Attorney, Financial Planner, Accountant, Real Estate Agent, etc. (you get the idea)
I have recorded the questions and answers here in this audio ---> Here are the questions if you don't want to listen, but you really should :} 1. Purpose 2. Occupancy 3. Loan Amount 4. Loan to Value 5. State 6. (3 comments)
I entered into the Banking Industry in 1987, with the goal in mind to make sure that my Customers (Clients) always had the best information, so they could make the best decisions for themselves.
23 years later, I have not changed that mindset.
I am still making sure that all of my Clients and Relationships are getting the best information available, so that I can help them make the best decisions they can.
My background and work experience has focused around the Business of "Money", whether it is working for a Bank, Mortgage Broker, or Mortgage Banker. I have also created and run a National Appraisal Management Company, as well as a Title Insurance Company that serviced the needs of both Lenders and Borrowers.
My strategy has always been, and still is, to know more than my Competition and, just as important, to be able to "Put My Money Where My Mouth Is".
If I can ever help you with anything to do with how to borrow money or how to save the most when borrowing money, let me know. I will be more than glad to help.
Contact me for more information anytime.
Best example of what I do is helping people or companies achieve their goals. As long as you know where you want to get to, I have the ability to help. I specialize in the financial services industry, but have broad reaching skills that reach across many industries.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.