nate ellis: What happened to National Homebuyers Fund (NHF) and their 100% Financing? - 11/25/08 05:34 PM
This morning I was looking for guidelines on the National Homebuyers Fund (NHF) Access Program for a client who is writing an offer. I went as I normally do to their web site www.nhfloan.org to find what I was looking for...
NHF still offers 100% CLTV financing, even if the home is in a declining market. The program can be leveraged for purchase money and rate-term refinances. The program can help borrowers with credit scores as low as 600 with automated approval. The program works by setting up a First Mortgage up to 95% and either a 2nd with low payments … (0 comments)
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nate ellis: TechTuesday "Virtual Tour" Technology Update for the Real Estate Professional 1.11 - 11/25/08 01:33 PM
November 22, 2008 Volume 1 Issue 11
Animoto give you a Cool Professional looking product. You can create a 30 second clip for FREE. You can upgrade the service to create longer Clips. The new Script rules in ActiveRain force you to export the video to YouTube first. (If you upgrade you get other options) You can also upload your own music for use with your Virtual Tour. Adding text is easy but you are limited on the number of characters.
Slide is a Great, Easy Free Virtual Tour Slide … (2 comments)
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nate ellis: If I was President... - 11/17/08 04:17 PM
If I was President...
We'll actually I am. I was just elected 2009 President of the Realtors Marketing Association (RMA) in San Ramon, Ca. Our elections were held on November 13, 2008.
Check out the speech I gave to win the election. It's all song titles. Can you guess How Many?
Congratulations to the rest of the elected board!
Mike Tacconi - Vice President
Ernie DeCoite - Treasurer
Joni Toy - Secretary
Haisam Nijem - Sgt at Arms
Dean Kanat - Sgt at Arms
The Thursday morning Real Estate Marketing meeting is held at the San Ramon Community … (4 comments)
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nate ellis: TechTuesday "Black Friday" Technology Update for the Real Estate Professional 1.10 - 11/17/08 12:59 PM
November 18, 2008 Volume 1 Issue10
Black Friday is almost upon us. Oh, you don't know what Black Friday is. Black Friday is not some day of remembrance or a time to worship the dead, but rather a day when people wander around like crazy Zombies to get the best deals on all kinds of stuff the Day After Thanksgiving. That's right Black Friday is the biggest shopping day of the year.
So why is this important? I hate shopping in those huge crowds. Besides who wants to get up and go shopping at 5am. (You'd be supprised how many … (4 comments)
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nate ellis: Presidential Election Results Announced!!! The Winner is...FREE COFFEE? - 11/03/08 08:15 PM
TechTuesday "Online Polls" Technology Update for the Real Estate Professional 1.9
Novenber 4, 2008 Volume 1 Issue 9
So you have the election on your mind and you you want to know if your candidate has won. If you have subscribed to TechTuesday you would know that's not what we do here. Today's TechTuesday we will show you how to construct an online poll for Free. Who will win the Election? Vote Early - Vote Often.
After you vote go get your free coffee at Starbucks
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To find out how I created this poll check out this video … (3 comments)
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nate ellis: TechTuesday "Speaking in Tounges" Technology Update for the Real Estate Professional 1.8 - 10/28/08 05:41 PM
October 28, 2008 Volume 1 Issue 8
Happy Halloween!!! Woo..Haa..Ha..Ha..Haah! Did I scare you? Probably not since there are far more scary things going on in the market right now anyway. Today's TechTuesday I'm going to teach you how to speak in Tounges. Well Actually I'm going to show you a bunch of tools to help you translate stuff and learn to speak other languages. I'll break this one down into 3 sections Translate Speaking Just_for_Fun Translation Have you ever received a message like this "удовлетворить … (3 comments)
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nate ellis: TechTuesday "Google Phone" Technology Update for the Real Estate Professional 1.7 - 10/22/08 05:54 PM
October 21, 2008 Volume 1 Issue 7 So you may have heard that Google has developed it own Phone operating system called Android. Today I'm going to show you how to put the power of Google in your phone with out upgrading or trading in for a new one. Google has set up a Free Service for everyone to harness the power of Google with almost any cell phone. The key to unlocking the power is by TEXTing. Here's a little story how I found all … (3 comments)
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nate ellis: TechTuesday "Business Planning" Technology Update for the Real Estate Professional 1.6 - 10/14/08 01:54 PM
Volume 1 Issue 6 ////////////////////////////////////////////////////////////////////////////////////////////////// //////// Have you had enough of This YEAR?////////// ////////////October is a GREAT TIME to////////////////// /////////////start planning for Next YEAR.//////////////// ////////////////////////////////////////////////////////////////////////////////////////////// There is no better way to avoid a slump then by planning for success. Top Agents have told me that having the mindset for success has carried their business through many a winter. So here are some FREE Tools to help your business start the New Year Stronger. Start with a Plan So you wanna double your business next year. How ya gonna do it? Just going out and knocking on more doors may … (2 comments)
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nate ellis: TechTuesday "Free Tech Support" Technology Update for the Real Estate Professional 1.5 - 10/14/08 01:25 PM
Volume 1 Issue 5 In this issue of TechTuesday we will talk about FREE Tech Support options. FREE TECH SUPPORT Have you ever had a problem with your computer and there was either nobody to help you fix it or you couldn't figure it out? Have you wished and prayed to the Microsoft Gods for a fix to a glitch? Or maybe you are pretty good with stuff and you just need a little help on writing some HTML code. Here are 3 FREE sites you can visit for help with your questions.
… (0 comments)
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nate ellis: TechTuesday "Email" Technology Update for the Real Estate Professional 1.4 - 10/14/08 01:16 PM
Volume 1 Issue 4 This week we are going to take a look at Email. Corporate, Free and Personal Domain email solutions. So how on Earth did we communicate before email? (We actually talked to each other.) Now we can stay in contact with everyone we know at once by pressing send. Now there are Etiquette Rules you should follow, but today I want to focus on choosing the right email solution for your business. The three solutions for handling your email are:
Free Web Mail and Service Provider Email - Free email service that is ad supported … (0 comments)
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nate ellis: TechTuesday "Cell Phone Tools" Technology Update for the Real Estate Professional 1.3 - 10/14/08 01:04 PM
Volume 1 Issue 3
In this issue of TechTuesday we will look at Free Tools for Your Phone. SlyDial - Ever had a client that you didn't really need to talk to them but you need to get them a message. Well SlyDial is the answer. This service lets you leave a message on someones Cell Phone with out it ever ringing. 267-759-3425 Jott - This magical service allows you to leave a voice message on the service and it sends you a typed note of your message along with the audio file. The paid version includes the … (0 comments)
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nate ellis: TechTuesday "Free Programs" Technology Update for the Real Estate Professional 1.2 - 10/14/08 12:36 PM
Volume 1 Issue 2
Welcome to the second issue of TechTuesday, your weekly update on technology for the Real Estate Professional. This week we will focus on some Free Programs Everyone Should Know About. Anti-Virus Software You should have at least 2 Anti-Virus software programs at all times. I recommend at least of them be a paid subscription. Since you are here looking for FREE stuff, these 2 are pretty good. Spyware Doctor and AVG Free Anti-Virus Also take a look at Spybot a Spyware remover. Internet Browsers Are you frustrated with Internet Explorer and looking for something New. My Favorite … (0 comments)
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nate ellis: What does the 700 Billion Bailout Mean to Main Street? - 10/03/08 03:53 PM
So, the New $700 Billion Dollar Mortgage Bailout Bill (aka. HR 1424) has been passed by both houses of Congress and signed by the President.
Now What? How does this Bill help Main Street?
There are 4 major components designed to help Joe Sixpack on Main Street.
Freeing up the credit markets so financing is easier to get. Assist Homeowners with Loan Modifications to avoid Foreclosure. Increase the FDIC Insurance Limit to $250,000. (temporary) Delay the implementation of the Alternative Minimum Tax (AMT) for 1 year While the over all Goal of the Bill is to give the Market a "Shot … (0 comments)
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nate ellis: Amazing Growing List of Free Stuff - 16+ Free things that everyone should know about - 09/25/08 04:18 PM
So you have been scouring the web for Freebies. You have found the Ultimate List of Free Stuff that Everyone Should Know About. have you been searching for a Free alternative to Microsoft Office? What about a program to edit your photos Professionally. Maybe you just want to make free calls from your computer to any phone. You will find these and many more solutions here.
So why is this the ultimate list? Because you can add your own freebies to the list. If you write a review about the item I will link the notes to your review. So submit … (21 comments)
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nate ellis: TechTuesday Technology Update for the Real Estate Professional 1.1 - 09/23/08 05:10 PM
Welcome to the inaugural issue of TechTuesday, your weekly update on technology for the Real Estate Professional.This week we will focus on the Tools that were brought to us as part of the SHIFT Tour.First Here is the link I promised from last week to help get you started blogging.Sign up to Start Blogging. This will sign you up for a blog with ActiveRain. Tools from SHIFTSpecial 60 Trial Period for Top Producer - A special 60 Day trial period has been set up for SHIFT participants. Contact Top Producer for details.Sign up for FREE 30-Day Training for Top Producer … (2 comments)
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nate ellis: CalHFA Suspends Loan Programs and Down Payment Assistance - 09/22/08 09:34 PM
Just got this announcement from CalHFA. This is a huge blow to First Time Home Buyers in California. These programs help a lot of people bridge the down payment gap. I hope we get these back soon!
Effective immediately and until the financial markets stabilize, the following CalHFA first mortgage products are temporarily unavailable:
35 Year Fixed Rate Mortgage - interest only PLUSSM 40 Year Fixed Rate Mortgage HomeChoice Program New BLOCK Forward Commitments will not be issued, including forward commitments for the Self-Help Builder Assistance Program (SHBAP) Additionally the following subordinate loan programs are also temporarily unavailable: High Cost Area … (2 comments)
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nate ellis: The Best Hardship Letter - 09/22/08 07:32 PM
It can be very difficult putting into words just how much you need help in getting out of your mortgage. Weather you are trying to Save your Home and renegotiate with the Bank or your are asking them to let you sell the home in a Short Sale for less than you own, You will need to compose a moving Hardship Letter.
You really must think of the Hardship Letter as an essay in a non-fiction (Actual Events) writing contest. There are thousands of entries and we need yours to stand out. You could use any number of the templates out … (4 comments)
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nate ellis: I want to keep my home. What can I do? - 09/22/08 06:37 PM
You must cut your expenses!
But how do I cut my expenses? I have already cut everything I can. Have YOU?
You must first start by writing out your current budget and tracking all of your expenses.(30 days) Get a roommate Carpool or take public transit Cancel non-essential services Sell some of your stuff – Ebay/Craigslist Get another job Ask for overtime Bring your lunch to work Invite friends for pot luck dinners and rotate dinner nights. It's cheaper to cook for 4 than cooking for 2. Clip coupons / online coupons Walk More Plan your Trips for efficiency After … (0 comments)
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nate ellis: I don't Think I can continue to make my mortgage payments. What are my options? - 09/22/08 06:24 PM
The first thing you must do is seek the advice of the following professionals:
A Non-Profit Distressed Homeowner counselor A Mortgage or Loan Officer A Real Estate Agent A Lawyer All of the professionals above will need the following information from you in order to be able to give you the information you need to decide which option is the best for your situation.
Your Original Loan Documents A Very Detailed list of your current expense budget A Hardship Letter and supporting documents Last 60 days of all of your Bank and Investment Accounts Last 30 days of your pay stubs … (0 comments)
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nate ellis: How Can a Non-Profit Distressed-Homeowner Counselor help me? - 09/22/08 06:00 PM
The job of the non-profit distressed Homeowner Counselor is to inform you about all the options that may be available for you to save or sell your home and to inform you about the possible consequences. Counselors can be found by contacting the HOPE Alliance or by contacting your local City and County Housing Offices. In your Counseling session you should cover the following:
Establishing and Amending your Budget to allow you to Keep Your Home
Contacting your current lender to see if you are eligible for:
a) Interest Rate Freeze
b) Interest Rate Reduction
c) Principal Reduction
All of … (0 comments)
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