mortgage planning: How to make it in this and any market! MUST READ! "Deal Insurance" - 04/25/08 12:26 PM
Ok now that I have your attention, I wanted to touch on something I have been thinking about, realizing and practicing on a day-to-day basis.
It is that little buzzword: PROFESSIONALISM:   I call it "deal insurance."
You know I was listening to Mr. Brian Buffini, the wise old irishman, the other … (6 comments)

mortgage planning: Mortgage Products for Mom and Dad - 04/21/08 11:11 PM
In writing this blog, my intent was to highlight a couple of things: 
#1 I try to think outside of the box both for my clients and for my sanity.  Let's face it  . . . the 30 year fixed is just plain boring!  Come on let's spice up our relationship … (2 comments)

mortgage planning: Home Equity is not a good investment - 03/06/08 03:46 PM
 
Mortgage Planning *Financial Planning *Estate Planning *Tax Planning
  
Equity Management Strategies
  
The key to successful investment analysis is to look at every investment & ask the following 3 questions:
  
Is the investment safe?  Is it insured or guaranteed? Is the investment liquid?  Can I get it when I need it? What … (1 comments)

mortgage planning: Why do we work? - 02/15/08 04:23 PM

My lil' guy was certainly curious about this.  Here he is sending out a mortgage update to a few of my clients. 
So we got to talking and we came up with a few things: 
First of all my lil' guy was curious as to what money really is and why … (3 comments)

mortgage planning: Why do we work? - 02/15/08 04:15 PM

My lil' guy was certainly curious about this.  Here he is sending out a mortgage update to a few of my clients. 
So we got to talking and we came up with a few things: 
First of all my lil' guy was curious as to what money really is and why … (0 comments)

mortgage planning: Super/Tidy Bowl Predictions - 02/03/08 01:48 PM
 
Super Bowl Prediction: 
One thing for sure:  Giants fans must be so proud of their team.  They have gone on the road and have become only one of a handful of teams to reach the super bowl starting as a "wildcard" team and have won 3 straight road games to get into … (1 comments)

mortgage planning: Understanding Fiscal Literacy - 02/02/08 11:40 AM
In my practice, I often discuss sometimes counter intuitive ideas.  Often we are taught to pay off our home heading into retirement; I teach my clients to actually get a larger mortgage heading into retirement.  So to go from no mortgage to "bigger mortgage" is indeed counter intuitive. 
I like to … (0 comments)

mortgage planning: Understanding Mortgage Rates- Why a rate cut by Fed leads to higher mortgage rates - 01/30/08 09:35 PM
Hi to all!
 Today the Federal Reserve Board cut Fed Funds rate by .50% to 3%.  Mortgage rates actually went up a little bit.  Why? 
 It is actually a little scary how often I see the so-called "experts" on CNBC state that lower rates by the Fed will lead to lower long … (9 comments)

 
Loan Officer: Mike Smith (Fair Housing Resource Center)
Mike Smith
Roseville, CA
More about me…
Fair Housing Resource Center

Cell Phone: (916) 813-4003
Email Me
Certified Mortgage Planner (CMPS): 14 yrs experience & over $300,000,000 in loan fundings. Committed to providing my commercial & residential clients with real time data on mortgage backed securities & rate locking strategies.

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