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I was wondering what my topic of the day would be for a blog, then I got a call and the perfect topic came up. A lead generation source called me up just a few minutes ago and was offering, yet again....to buy mortgage leads from "reputable sources." This telemarketer had a slightly better pitch than the rest of them though. Within 15 seconds of such phone calls, I quickly respond with, "Sorry, I don't buy leads!" Many simply say, "OK!" But this telemarketer didn't give up so quickly and stated.... BUT THEYRE SCRUBBED! Ok, I've heard the term before. It gets thrown around loosly. (6 comments)
I don't understand why many in my industry can't grab onto the "Power of Truth" and the need to understand a clients' needs! I have received several new calls this week from new and potential clients that are looking to refinance their homes from their once "all time low" payment to an increasing shocker. The trend is happening across the country. But, before I decide that it is the proper time to refinance, there are a few things to take into consideration. 1.) Is there a prepayment penalty on the home? I brought this to a potential clients' attention and he said (1 comments)
I received an interesting call yesterday, so I figured that I would share it for the world to see my response...Or atleast possible California clients and Associates :) The potential client called me and started rambling about random things, I tried to keep some flow to the conversation. In the end, I question if I ended up on some Los Angeles radio station, where I was broadcasted across the state for everyone's humor, including my wife's. With that said, here goes: Caller: What are your rates? Me: Sir, I need to get some information from you before we go through rates. Caller: I'm looking for (24 comments)
I had a client call me this weekend that just received some alarming news. Their mortgage recently got sold to a different lender. She had two different issues: 1.) Their mortgage had sold to another lender and now the new lender was requiring flood insurance on the home, which WAS NOT REQUIRED BEFORE! She was startled, as the new insurance premium was said to be hundreds of dollars a month! So naturally, the homeowner didn't want flood insurance and wanted to find a lender that would refinance the home without needing it. So, here is my response.... When you purchase a home, and it is financed, the (4 comments)
Are you wondering what types of documentation loans are available? Banks and investors have come up with a variety of loan types to help borrowers qualify easier into home loan and refinance products. While some may be worried about being able to qualify for a home, you'll be amazed at the products available in the marketplace that you can take advantage of to purchase or refinance a home. Feel free to contact me with your California Home Loan needs. I will go through all of your information with you and I'll be sure to match your particular scenario up with the products (6 comments)
I had a great sit-down today with a new client. She is a First Time Home Buyer that wanted to meet face to face with me...I love it! Back in the old days, transactions were only done in such ways. You could look a person in the eye, listen to their tone of speech and understand where they are coming from before you decide to do a transaction with them. With that being said, trusting a lender is everything in a Real Estate transaction! You open yourself up across all aspects of your life. For example: Have you filed for bankruptcy? Have you (2 comments)
Comparing a Mortgage Broker to a Direct Lender - 01/12/07 11:53 AM
Reason: Representation Mortgage Broker: Fiduciary duty to the borrower to get the best loan possible. Packaging the loan to highlight the strentghs of your loan scenario and minimizing the weaknesses. Direct Lender: Represents the lender. Reason: Customization Mortgage Broker: Offers numerous programs from many lenders and investors at very competitive rates. Direct Lender: Offers a limited number of programs that need to fit "their box." Reason: Flexibility Mortgage Broker: A "problem loan" can be moved from one lender to another, while obtaining the best rate available for your situation. Direct Lender: Once a loan is denied, the borrower must try a different lender. Reason: Certification Mortgage Broker: Licensed by the Department (27 comments)
Many asked me this year if there is a way to lowball a real estate agents' commission. My answer is very simple, "You get what you pay for!" If you were in need of a doctor and you were about to go into surgery, would you lowball the doctor? If you were about to go on trial and your liberty was at stake, would you lowball a lawyer? The same holds true for the services you receive in your homebuying and/or selling experience! In my opinion...If an agent is quickly willing to drop their commission without hesitation, it tells me this: 1.) The agent is (3 comments)
Chico,California Housing Market Report For January 2007 - 01/02/07 06:13 PM
Hey Everyone, Virgil Cole is an awesome Real Estate Agent at Prudential Real Estate in Chico, California and he puts together a comprehensive market report of what has been taking place in the local Chico market over the past few months. He spends alot of time putting together the data and I'm sure that many homeowners and investors in our market will be interested in seeing the results. Feel free to contact either of us if you are looking to purchase or refinance your home. We're here to help you! Virgil Cole Scott Gormley Have a great day! Scott GormleyBroker/OwnerOak Valley Mortgage2006 Chico Assoc. of Realtors (4 comments)
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.