Unless you live in Michigan, or one of the other hard hit by unemployment states, the signing of H.R. 3548 by President Obama yesterday probably was good news to you because of the extension to the first time home buyers tax credit. Here, in my local area, I'm cheering because there will be thousands and thousands of out of work people who will continue to receive an unemployment check, for at least 20 more weeks.
How hard hit is my area by unemployment? (Look at these numbers and try to remember that the numbers reflect real people and their lives, and isn't just data.)
Michigans overall unemployment rate at the end of September was reported to be 15.3 percent. In Wayne County alone it was 18.3 percent. The city of Detroit? A staggering 28%.
Many of those people who were laid off at the beginning of this year, or late last year, have not found replacement jobs. It has been reported that approximately 44,000 people in Michigan cashed their last unemployment checks in October.
Coming in to the winter months and having their unemployment benefits cease would be cruel. Thank you to all of our government officials for taking care of this and giving an extended lifeline to those who so desperately need it.
When I read the news yesterday about the President signing this bill I was excited, and relieved, more so for those who cashed their last unemployment checks then I was for future home buyers. Needs first - wants later.
Contact Kris Wales- A partner for your real estate needs in Macomb County MI
NEGATIVE ADVERTISING WORKS IN POLITICS. DOES IT WORK FOR REAL ESTATE PRACTITIONERS AND/OR HOME STAGERS???
This post inspired by an article on ActiveRain last evening seeking opinions as to whether a listing agent could be sued for damages for publishing poor photographs in an MLS listing. I saw the article as an example of negative advertising. The question for real estate practitioners is does negative advertising work?
That public post was written from the perspective of a home staging entity for whom the visual is everything. Experienced real estate practitioners know that there are many important factors in the MLS listing information report other than or in addition to photos. The post is silent as to the skill or experience of the home staging company.
NEGATIVE ADVERTISING?? If only Home Staging companies would stick to their core business, that of improving the appearance a property for sale, for a fee. Do they really get business by denigrating real estate practitioners???? Must they so often attempt to enhance their own value by impugning the value and the practices of listing agents. One thing is clear.
IF THE PROPERTY SOLD, IT WAS DUE TO THE CLEVER STAGING.
IF THE PROPERTY DIDN'T SELL, IT WAS BECAUSE OF THE INCOMPETENCE OF THE LISTING AGENT.
Neither, of course, is true. There are nuances in selling a property that aren't addressed by staging.
That post is a classic example of stretching. Not only does the home staging entity criticize the photo in a listing, they imply that the listing agent is violating their duty of fiduciary to their seller client. Contacting attorneys for legal opinions simply leads one to ask, WHY??? Do they really expect an attorney to act in a such an unprofessional manner as to give a legal opinion on damages "off the top of their head", as does the home staging entity???
Did it occur to the staging company that the seller may have asked the listing agent to include the photo of the recessed lighting because they were a point of interest in a room??? What does the staging company know about the dynamics of photo selection for this property listing???? Were they present when the listing agreement was done??
DAMAGES ANYONE? One more question. What does the staging company know about copyright infringement??? This Wordless Wednesday photo appears to be pulled from a listing and published in the post criticizing a real estate agent. Would that be a violation of the copyright of the listing agent and the MLS who owns the right to publish that photo???
I venture to say that damages for the use of a copyright protected photo by another would be easier to establish than failure of fiduciary of an agent who publishes photos in their listing.
FIRST TIME HOME BUYER TAX CREDIT EXTENDED AND EXPANDED TO MOVE-UP BUYERS IN NORTHERN VIRGINIA.
ALERT! First Time Home Buyers $8,000 Tax Credit EXTENDED and MOVE-UP buyers included.
The FIRST TIME HOME BUYERS TAX CREDIT is still available.
$8,000 TAX CREDIT or REFUND is available for home buyers of Northern Virginia real estate who purchase a home through April 30, 2010.
NEW PROVISION NOT LIMITED FOR FIRST TIME HOME BUYERS.
$6,500 TAX CREDIT or REFUND is available for home buyers of Northern Virginia real estate who have a signed Contract of Sale for a home before April 30, 2010 and close on the purchase prior to June 30, 2010.
For more information and help finding a home to buy, contact Lenn Harley, Broker, Homefinders.com, 800-711-7988.
For your copy of the Homefinders.com home buyers relocation package, just give me a call. No matter where you're buying a home in Northern Virginia, Homefinders.com can help.
Homefinders.com real estate market area in Maryland and Northern Virginia.
ALERT! First Time Home Buyers $8,000 Tax Credit EXTENDED and MOVE-UP buyers included.
The FIRST TIME HOME BUYERS TAX CREDIT is still available.
$8,000 TAX CREDIT or REFUND is available for home buyers of Maryland real estate who purchase a home through April 30, 2010.
NEW PROVISION NOT LIMITED FOR FIRST TIME HOME BUYERS.
$6,500 TAX CREDIT or REFUND is available for home buyers of Maryland real estate who have a signed Contract of Sale for a home before April 30, 2010 and close on the purchase prior to June 30, 2010.
For more information and help finding a home to buy, contact Lenn Harley, Broker, Homefinders.com, 800-711-7988.
For your copy of the Homefinders.com home buyers relocation package, just give me a call. No matter where you're buying a home in Maryland, Homefinders.com can help.
Homefinders.com real estate market area in Maryland and Northern Virginia.
UNEMPLOYMENT FIGURES FOR OCTOBER JUST ANNOUNCED. . . . . . drum roll please. . . . . . .
10.2%
'Nuff said.
What's the nexus between the just announced unemployment rate for October of 10.2% and Jumbo Loan Defaults?
Why do Jumbo loans default?
BECAUSE THE HOME OWNER LOST THEIR JOB!
1 in 10 Americans are unemployed. So says the Department of Labor. Dollars to donuts it's more. They don't count a lot of folks, like real estate agents with no business.
1 in 5 families has a family member who is unemployed.
WE'RE FROM THE GOVERNMENT AND WE'RE HERE TO HELP. . .
ALL WE WANT IS YOUR MONEY AND YOUR HOME!!
* * * * HARD CORE REAL ESTATE TALK * * * *
The new Fannie Mae program to "help" home owners in trouble is, IMO, the biggest fraud to come from the government in recent memory and there have been, IMO, a serial bombardment of government perpetrated frauds on the American home owner in the past year.
Trademarked the Deed For Lease, or D4L, a reading of the guidelines for this program along with the concomitant Deed In Lieu of foreclosure guidelines, the bottom line of the result of these programs, whether intended or not is: THE HOME OWNER LOSES THE HOME.
"Honey, did the government agree to help us keep our home?"
"Not exactly Dear, but the government says that they might agree to take our home and let us rent it for a year. They'll let us know after a credit review, but there are a few things. . . . . "
NOT ALL BORROWERS WILL BE ELIGIBLE. The guidelines require that the borrowers (home owner) agree to certain occupancy rules, not unreasonable on first reading. However, some of the details will limit elegibility, such as:
Marketable title is able to be conveyed (a title insurance policy is required).
If there are subordinate liens secured against the subject, lien releases can be obtained.
1. Everyone has title insurance, don't they?? Sounds simple enough, right? Perhaps, perhaps not. Title insurance policies are always a condition of a mortgage loan. However, they are optional for a borrower. Over the years, I have spoken with many home owners who did not obtain title insurance for their property, often at the advice of their agent. Go figure.
2. What might that subordinate lien be?
Subordinate Lien: Subordinate-loan. mortgage whose priority is below that of another mortgage, like a second or third mortgage or a home-equity loan.
Could it be a HELOC or simple Second Trust? During the years that FannieMae pushed, yes pushed and purchased the Alt-A loan and the numerous Sub-Prime loans, a plethora of subordinate liens were created and used. Often created at the time of purchase or later through subsequent borrowing against equity or refinance. The funding sources, often private investors, made these loans and recorded a proper lien in good faith based on the qualifications of the borrower at the time. Second Trust Notes are a commodity. They are traded, discounted, bundled and traded again and again. Sooner or later, someone is going to want to collect on that note. What's the incentive for the second trust holder to release? Recent experiences with Short Sales would indicate that second trust holders are becoming quite recalcitrant when asked to release a second trust note.
Second mortgage: A mortgage obtained by a home owner for a loan against equity or in excess of market value (often up to 125% of market value). The second, or third mortgage is subordinate to the first or primary mortgage.
WHY DID FANNIE MAE MAKE RELEASE OF ANY SUBORDINATE LIENS A CONDITION OF THE D4L (Deed For Lease)? Is this condition of the D4L the usual "government guideline glitch" tossed in to decrease the numbers of borrowers who would qualify? Or, is it simply a reflection of the "guideline stew" that can usualy be used to describe any of the governmentprogram to help home owners in trouble that have been promulgated in the past two years?
WHY ARE HOME OWNERS IN TROUBLE ALWAYS SUBJECT TO LOSS OF THEIR HOME? The American home owner isn't looking for a handout ala TARP, created to help banks in trouble to the tune of about a $Trillion Dollars, give or take a few $Billion Dollars.
TARP: Troubled Asset Relief Program (TARP) Information. The operative word to describeTARP is "Relief". Where is the "relief" for the troubled American Home Owner??? The banks qualifying for TARP got into trouble by trading in securities that were primarily backed by sub-prime mortgages, often mortgages that should not have been written. The mortgage instruments were then bundled, converted to marketable securities, MBS,and sold to investors in the USA and around the world. Investors clamored for more, more, more of these wonderful securities. Fannie Mae and mortgage investors created more and more and more such instruments secured by the primary residences of American Home Owners.
O.K. SO WE GET IT. The government was there to help the Wall Street and Main Street banks that invested in and sold the MBSs to the tune of multi-Billions of Dollars of tax payer money.
FAST FORWARD TO 2009 and THE FANNIE MAE, HUDand any government program to help distressed American Home Owners. The one theme that is pervasive is that THE HOME OWNER LOSES THEIR HOME.
MORTGAGE MODIFICATION IS A JOKE. The programs designed by HUD and Fannie Mae may do one of several things.
They may REFINANCE your loan to a lower interest rate. The home owner still owes far more than the market value of the home and will probably not be able to sell for many, many years.
They may MODIFY your loan to a lower monthly payment. The home owner still owes far more than the market value of the home and will probably not be able to sell for many, many years.
Is it any wonder that, to date, the government programs to "help"the American Home Owners have failed?
THE INSIDIOUS NEGATIVE EQUITY. The only true mortgage modification that would help the American Home Owner would be a REDUCTION OF THE PRINCIPLE BALANCE of THE MORTGAGE. Is there any government backed, financed, promulgated or regulated program to reduce the principle balance of mortgage loans secured by home owned by distressed home owners?? NO.
The government now says, through Fannie Mae, that if you own a home that is not FHA, VA, etc. financed or insured, the government may take your home and rent it back to you for 12 months. No doubt the government will find some way of spending more tax money to create a new program to market these "assets" that were formally HOMES.
For folks who hold the opinion that the American Home Owner doesn't deserve any help to keep their home, after all, they signed a contract, didn't they, it's an opinion that has my respect. However, what was the opinion of the same folks when the government gave Wall Street and the Big Banks a $Trillion Dollars or more??? Oh, I forgot. The government didn't ask for our opinion. That was the biggest "cram down" in history. I propose that a "cram down" for American Home Owners is long overdue.
One thing for sure. I believe that the American Home Owner would be a better partner in saving the American economy than the average Wall Street Investment Bank or Big Bank. The American Home Owners will again become a consumer. They will buy and sell real estate. They will go to the mall. They will take vacation. They will help the national economy. What did the Wall Street Gangs do with the $Trillions of tax money handed to them through TARP?
"Who am I and what am I doing here?" Admiral James Stockdale, 1992.
THINGS THAT ARE PRICELESS. That quote is one of the more enjoyable memories of the Ross Perot presidential campaign. For folks too young to remember, or care, Admiral Stockdale was Ross Perot's running mate in 1992. That statement, the opening statement by Stockdate in the Vice Presidential debate, was absolutely priceless. Fact was, folks didn't know who he was and didn't know how or why he was selected for the awesome post of Vice Presidential running mate. However, after that "ice breaker", folks knew Stockdale as a thoughtful, articulate and experienced Naval officer, political observer and friend of the Presidential candidate, who had a delicious sense of humor (both of them).
We are the people that make the real estate industry work on a daily basis.
Real estate agents representing sellers. We are the drudge real estate agents who represent home sellers who bring homes for sale to market, perform the many necessary duties of a listing agent broadcasting the availability of properties through various venues, managing contracts of sale through the transfer of title from the seller to the buyer.
Real estate agents representing buyers. We are the drudge real estate agents who represent home buyers through the process from search to settlement managing the home tours, financing, inspections, title work and settlement/transfer of title from the seller to the buyer.
Loan Officers representing lenders that lend huge amounts of money. Managing the loan applications, qualifying, documentation, appraisal, approval of home buyers and loan huge amounts of money to enable successful transfer of title from sellers to buyers.
Home Inspectors. Examining properties from top to bottom, identifying defects, advising home buyers of the function of systems, useful life of systems and features of a property. Home inspectors provide services that give home buyers peace of mind and help buyers, sellers and agents avoid future problems.
Home Builders. Where would we be without them in the first place? Over the years, builders have transformed land into communities with homes for folks.
Home Stagers. Offering services to home owners to prepare and present their property for sale in the best light to appeal to home buyers.
WHO WERE WE THEN and WHAT DID WE DO IN THE PAST?
READ THE COMMENTS ON MIKE JONES' POST. They are priceless and speak volumes to the variety of backgrounds of agents, loan officers, home inspectors, stagers
WERE YOU BRAVE ENOUGH TO POST A PHOTO FROM THE 1980s? Mike asks, 1980 Business Card Photo Challenge... Who's Brave Enough? It doesn't have to be a business card photo. In fact, I doubt that many of us were in the real estate business in 1980, although I know many on ActiveRain who were. No matter, many posted photos anyway and they are not only fun and fascinating to view, they speak volumes to who makes the real estate industry run on a day to day basis. The photos also speak to what folks save. 1980 is a long time ago.
Kathryn Gorham - Just out of college.
Russel Ray - High school photo.
Sally Cheeseman - Family photo
Rita Burke - Baby photo
Kent Simpson - Teen age photo
Margaret Woda - Lovely then and lovely now.
Larry Hultberg - High School Track photo.
Jesse Clifton - Smiling then and smiling now.
Lenn - The more things change, the more things stay the same, except the hair color.
Bryant Tutas - Dancing and talking then. . . . .
Bo Kociuba - A competitor then and probably today too.
Mitchell Hall - Always the professional gentleman.
Jeannie Kontis - An important day for Jeannie.
Karen Hunt - A good sport.
Kat DeLong - Voices my sentiments exactly.
Patrick Randals - Teen ager cross country outfit and eating. Typical teen.
Mike Handren - My lips are sealed.
Brad Andersohn - Rock on.
Jennifer Monroe - Revealing the real Jason Sardi.
Robert Hammerstein - Rockin' and Rollin'.
Karen Cooper - High School Senior.
Paddy Pizappi - Pets and graduation.
Terri Ellis - Best drivers license photo I've ever seen.
Sharon Tara - Family photo.
Sandy Noll - High School photo.
William Johnson - Handsome then, handsome now.
Barbara Duncan - Professional then, professional now.
Jason Sardi - Appearance greatly improved through surgery.
Donn Bigda - Family photo and adventure photo.
Tracy Santrock - Big hair then, little hair now and still lovely.
Monica McGillicuddy - Hasn't changed a bit.
Jay McGillicuddy - Hasn't changed much. Still young at heart.
Bo Kociuba - Ah! A soul mate. An outdoors woman.
Robert Sweetz - Same hair. Hasn't aged a bit. How do they do that?
Mirela Monte - Gorgeous then, gorgeous now.
WHAT DOES ALL OF THIS MEAN? That folks in the real estate industry that keep the economy of the United State of America are as different as night and day, but all have a common goal - - use our life experience to serve the home buying and selling consumers.
The real estate industry is a vital component of the economy represented by many wonderful people.
LEESBURG VIRGINIA REAL ESTATE IS A BLEND OF HISTORY AND CONVENIENT RESIDENTIAL HOMES.
Leesburg is one of the oldest towns in Northern Virginia dating back to the mid 1700s when it was the county seat of Loudoun County and still is. Leesburg was a major location for battles in the War of 1812 where vital documents including the Declaration of Independence and others were brought to Leesburg for safekeeping. The spirit of the 1700-1800s is reflected in the town of Leesburg, a wonderful area to tour, shop for antiques or have a delightful lunch. During the Civil War, many homes and shops in Leesburg served as hospitals and military outposts.
Contact us to tour homes in Leesburg and Ashburn VA. 800-711-7988.
For your copy of the Homefinders.com home buyers relocation package, just give me a call. Whether you're moving to Loudoun County from out of the area or just across county, we can help.
C Lloyd McKenzie writes: "Considering the fact that we are intricately related to the financial industry, why would they not look at us?"
Why wouldn't they indeed??
C. Lloyd provides a timely warning about things that could happen if the government, in it's zeal to take over an ever larger segment of private enterprise in this country, sets it's sights on the real estate industry.
I find this post utterly fascinating.
Are we going to see a "Real Estate Czar"? If so, will they have any knowledge of the real etate industry?
A Real Estate Czar will naturally go after the money, i.e., commissions. Probably through a tax on all agents and brokers commissions. What an easy target that would be. Forget the schedule C. Just tax the gross commission check. Ouch!!!.
Don't laugh at this suggestion. The government has one guiding goal at this time, take control of as much of the American economy as possible and the easiest way to do that is through taxation of financial transactions.
Only time will tell and I am very apprehensive. The performance of the present government is like a run-away train when it comes to taking control of more and more private enterprise entities.
As C. Lloyd aptly points out, regulation of the financial industry, the focus on foreclosures and lately short sale transactions, one more step and they are right in the middle of the real estate industry.
Am I paranoid. Indeed, but not without cause.
Visit C. Lloyd's blog and leave a comment. This is very interesting.
This subject might not appeal to many real estate practitioners because none of us like regulations. However, with the barrage of misleading information out there, I wonder if our lawmakers are paying attention. After all, it was only in the recent past that we almost experience financial collapse. Were there co-conspirators from the real estate industry? Will we be on the radar screen in the foreseeable future?
As a consequence of the aforementioned crisis, the current administration is taking measures to reform the way business is done in the financial industry. Yes, they are re-writing the rules of the game. Considering the fact that we are intricately related to the financial industry, why would they not look at us? One only has to take a look at the latest foreclosure statistics to see that there are some serious problems that need to be addressed.
Besides that however, there are some very reputable Realtors who are addressing problems that exist in the real estate industry. Below, I have cited two very prolific bloggers, Lenn Harley of Rockville, Maryland and Ruthmarie Hicks from White Plains, New York. I have provided an excerpt from their blogs.
Lenn Harley, Real Estate Broker, Rockville, MD in her blog entitled, "LOOKING AT REAL ESTATE TEAMS AND TEAM SPECIALISTS," addressed the following questions: DO REAL ESTATE "TEAMS" EXHIBIT EXPERTISE. The concept of "teams" in real estate practices is popular and often compared to medical "groups". I see little to no resemblance and, in fact, assigning a title of specialty such as "Buyers Agent" to a member of a team is often misleading to the consumer."
Ruthmarie Hicks, Associate Broker, White Plains, NY in her blog entitled "This Brokerage Has 750 Listings.....So they must be the best! (Part 1)"
Here are some of the issues she brought up, "Does size really matter? Does the number of listings or the size of the brokerage have anything to do with the ability of the agent to market and sell a home successfully? Is it the brokerage or the agent that is the determining factor? What Does the Brokerage Bring to the Table?"
LOOKING AT REAL ESTATE TEAMS AND TEAM SPECIALISTS.
DO REAL ESTATE "TEAMS" EXHIBIT EXPERTISE. The concept of "teams" in real estate practices is popular and often compared to medical "groups". I see little to no resemblance and, in fact, assigning a title of specialty such as "Buyers Agent" to a member of a team is often misleading to the consumer.
Inspired by Miriam Bernstein writing about real estate teams and the NYTimes article on the same subject.
Has that "Buyers Agent" received any advanced training to represent home buyers?
Has that "Buyers Agent" managed a significant number of contracts representing buyers to have any claim to experience?
Not that it isn't possible. It is, but rarely do the team members meet the test of expertise and experience found with medical specialties. Most "teams" I've seen are groups of licensees who work closely with other members of the team and spread the advertising and marketing costs and work load. Some teams may have members who specialize in listing or selling. So, they have a team title. However, do they have any expertise beyond the basic training for licensing?
REAL ESTATE TEAMS are often a small group within a brokerage or real estate company. In some cases new members will be "mentored" by a more experienced team member for a percentage of their fee for any business they bring to the team/brokerage. Fact is, we are all individually licensed and usually expected to develop buyer or seller business either for our own account or for "the team".
From the MD Real Estate Commission: "There is no provision in Maryland real estate licensing law for teams or groups operating within a brokerage. The only license categories are broker, associate broker, and salesperson. The only recognized entity is a brokerage. Those licensees who choose to operate within a team or group must follow all applicable licensing provision."
THE MATTER OF FEE SPLITS FOR TEAMS will be different from team to team and broker to broker.
THE OPPORTUNISTIC TEAM SPECIALTY. Unlike medical group specialties whereby the physician has committed an additional year or two to training, study and clinical practice to achieve a specialty designation or title, real estate licensees often advertise themselves as "experts" in topical areas such as "short sale experts" or "Buyer's Broker". That short sale "expert" may have completed one transaction representing a buyer or seller, OR NONE. There are courses offered for short sale training but no special license and the claim can be made with or without any actual experience or training.
Buyer Agency Specialist
Short Sale Specialist
Foreclosure Specialist
Luxury Home Specialist
Waterfront Home Specialist
Investment Real Estate Buyer Specialist
Rehabilitation Real Estate Specialist
New Home Specialist
EXPERT BY DESIGNATION OR EXPERIENCE. Many of us, myself included, have advertised some of these "specialties". NAR designations are evidence of training in a specialty and many require certain experience in that specialty. However, there is no special or advanced licensing required or available.
I work with an informal "network" of experienced brokers and agents, but it's largely geographically based. Each broker in my network is licensed but all have the same license and no further training is required for real estate brokers other than the general broker license. I market our services and connect home buyers to brokers and agents serving buyers in a particular geographical area. All of the brokers and agents in my network haveexperience representing home buyers. Many had their license with my company for year and received training to represent home buyers on an ongoing basis in group meetings and individual consultation. Focusing on home buyer needs is a specialty. The real estate industry is about 95% focused on the listing side of real estate brokerage.
EXAMPLE: I recently attended a 3 hour CE class offering training in property valuation. NOT.
The class was 98% "how to get the listing" and about 2% property valuation. Why?? Because the focus of most real estate training is listing oriented. The assumption is that training for property valuation is for listing agents for CMSs and not for buyers agents. IMO, one of the most valuable skills any real estate practitioner can have is that of accurate property valuation. The original listing is no more than an "offer" to prospective home buyers. Buyers agents who can properly value property listings are offering their buyers an important service. As a "buyers agent" member of a team, has that buyers agent received any training to properly value properties offered for sale???
BUYER AGENCY TRAINING? Additional Buyer Agency training is available through the NAR. However, having gone through several "buyer agency" courses, I don't believe they do the job of producing buyer experts, but rather focus on risk reduction for agents selling their own broker's listings. Many will differ with that description, and so be it. Risk reduction is critical, of course, but knowing how to avoid committing fraud through undisclosed dual agency doesn't provide skill in representing home buyers. I realized after committing 4 days to a course specializing in buyer agency that the experience gained by limiting my customers and clients to home buyers, managing many contracts for home buyers, my experience was far more valuable than the course offering.
TEAMS are a good marketing concept. They may share the workload. The question is, does a team member with a "specialty" title offer any more actual expertise for the consumer? Has the broker, the entity with the real responsibility for any team formed by a group of licensees in that brokerage, required that the team members with any speciality where a consumer would be referred actually have expertise in that specialty?
DOES THE BROKER KNOW WHAT THE TEAM IS DOING? Seems to me that the broker must take responsibility to make sure that the consumer is well served and that includes shared responsibility for customer or client service by a team.
"Honey, did you find an agent to help us today?"
"Yes Dear, I called the listing agent for the house we saw on the Internet and they are going to have the Buyers Agent on their team contact us."
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.
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sellers who bring homes for sale to market, perform the many necessary duties of a listing agent broadcasting the availability of properties through various venues, managing contracts of sale through the transfer of title from the seller to the buyer. 
Loan Officers representing lenders that lend huge amounts of money. Managing the loan applications, qualifying, documentation, appraisal, approval of home buyers and loan huge amounts of money to enable successful transfer of title from sellers to buyers.
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