Penny Fagan's Blog

NAMB FHA/HUD Webinar

Penny Fagan (Citizens Bank & Trust) — Mon, 30 Nov 2009 09:51:14 -0800

Title: "NAMB / HUD Webinar"
Link: http://www.slideshare.net/markmadsen/namb-hud-webinar-2580892

You do not want to miss this one!

NAMB WEBINAR-TUESDAY Dec 1st!!!

Penny Fagan (Citizens Bank & Trust) — Wed, 25 Nov 2009 10:24:06 -0800

Dear NAMB Member:

Please join HUD and NAMB this Tuesday for a webinar entitled "FHA/HUD - What Originators Need to Know about RESPA, FHA Broker Approval and Appraisal Reform" on Tuesday, December 1 at 2:00pm ET (1:00pm CT, 12:00pm MT, 11:00am PT).

Tune in, send questions and find out what to expect in 2010! NAMB is hosting this webinar to provide originators with the most critical information regarding impending RESPA, appraisal and FHA Broker (mini-eagle) approval reforms. Our knowledgeable panelists are excited to share the most up-to-date information with you. Register here. Below is an overview of what will be covered during the webinar:

Panelists:

Ms. Vicki Bott - HUD Deputy Assistant Secretary of Single Family Housing
Mr. Roy DeLoach - NAMB CEO
Mr. Tony Gallegos - Mortgage U - Director of Training and Consulting
Ms. Alice Alvey - Mortgage U - President

I. RESPA/GFE

Effective January 1, 2010, HUD is requiring loan originators provide borrowers with a Standard Good Faith Estimate (GFE) that clearly discloses key loan terms and closing costs and that closing agents provide borrowers with a revised HUD-1 Settlement Statement. Also discussed will be:

Elimination of FHA cap on origination fees.
RESPA/GFE - From Broker Perspective
Principles of RESPA reform
Key final terms and processes
What brokers must know
GFE Notice Requirements
GFE Triggers
Important Dates
Settlement Charges
Block 1 - What goes into it
All other settlement services
What charges can change
What charges can not
Requirements under the rule
HUD's interpretation of the rule
Major issues
The best strategies to navigate this sea of requirements.

II. FHA Appraisal Ordering Policy

Review of process
Expected impact

III. FHA Mini-Eagle/Broker Approval Process

Net worth requirements
Are audited financials still required?
Will lenders adopt uniform FHA standards?

Webinar Sponsor:
Credit Technologies, Inc.
http://www.CreditTechnologies.com
800.445.4922

NAMB Webinar, FHA/HUD-RESPA, FHA Broker Approval & Appraisal Reform...TUESDAY December 1st!

Penny Fagan (Citizens Bank & Trust) — Tue, 24 Nov 2009 16:13:04 -0800

Dear NAMB Member:

Please join HUD and NAMB this Tuesday for a webinar entitled "FHA/HUD - What Originators Need to Know about RESPA, FHA Broker Approval and Appraisal Reform" on Tuesday, December 1 at 2:00pm ET (1:00pm CT, 12:00pm MT, 11:00am PT).

Panelists:

Ms. Vicki Bott - HUD Deputy Assistant Secretary of Single Family Housing
Mr. Roy DeLoach - NAMB CEO
Mr. Tony Gallegos - Mortgage U - Director of Training and Consulting
Ms. Alice Alvey - Mortgage U - President

I. RESPA/GFE

Elimination of FHA cap on origination fees.
RESPA/GFE - From Broker Perspective
Principles of RESPA reform
Key final terms and processes
What brokers must know
GFE Notice Requirements
GFE Triggers
Important Dates
Settlement Charges
Block 1 - What goes into it
All other settlement services
What charges can change
What charges can not
Requirements under the rule
HUD's interpretation of the rule
Major issues
The best strategies to navigate this sea of requirements.

II. FHA Appraisal Ordering Policy

Review of process
Expected impact

III. FHA Mini-Eagle/Broker Approval Process

Net worth requirements
Are audited financials still required?
Will lenders adopt uniform FHA standards?

Webinar Sponsor:
Credit Technologies, Inc.
http://www.CreditTechnologies.com
800.445.4922

NAMB welcomes HUD decision to extend RESPA enforcement date.

Penny Fagan (Citizens Bank & Trust) — Tue, 17 Nov 2009 09:52:26 -0800

The link to NAMB's latest press release can be found here. NAMB continues to work for you!

NAMB Fights FOR YOU!!

Penny Fagan (Citizens Bank & Trust) — Tue, 03 Nov 2009 11:34:42 -0800

NAMB Fights for You

November 3, 2009

GSE Loan Limits Extended

On October 29, 2009, the House and Senate passed legislation to extend government sponsored enterprises (GSEs) loan limits until December 31, 2010. Fannie Mae, Freddie Mac, and the Federal Housing Administration (FHA) can back loans as large as $729,750. President Obama is expected to sign the legislation soon. NAMB has advocated the extension of these loan limits in House and Senate testimony and letters to Congress.

NAMB Supports Extension of First-Time Homebuyer Tax Credit

On November 2, 2009, NAMB sent a letter to the House of Representatives and the Senate requesting that they support the extension of the $8,000 First-Time Homebuyer Tax Credit. H.R. 3640, introduced by Representative Travis Childers (D-MS), would expand the tax credit to be made available for all prospective homebuyers, and allow for a one year extension of the program, changing the sunset date to December 1, 2010. NAMB supports any legislation in the Senate that would seek to extend the program. Click here for a copy of the letter sent to the House of Representatives. Click here for the letter sent to the Senate.

NAMB CEO Quoted in HVCC Article

On October 31, 2009, NAMB CEO was quoted in an article by syndicated columnist Ken Harney entitled, "Home appraisal system could be dustbin-bound." The article highlighted the amendment attached to H.R. 3126 that calls for the Home Valuation Code of Conduct (HVCC) to be terminated early in the existence of a proposed new Consumer Financial Protection Agency. The amendment would require the agency's director to replace the code with an improved set of rules developed through the regular administrative procedures, with public comment periods, used by all federal agencies.

DeLoach was quoted as saying that the current effect of the HVCC "is that we now have a dysfunctional system that's holding back the housing recovery. Incompetent, low appraisals not only hurt individual sales, but depress property values in entire neighborhoods unfairly."

DeLoach also stated that NAMB will continue to fight the HVCC even if H.R. 3126 is not signed into law. "...a major committee of Congress has now sent a clear message" to Fannie and Freddie: "Your appraisal code is not acceptable."

For a full copy of the article, click here.

YSP Webinar Video Available

Please visit www.namb.org/YSPWebinar to view NAMB's webinar on YSP and Originator Compensation.

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NAMB Legislative ALERT!!!

Penny Fagan (Citizens Bank & Trust) — Thu, 22 Oct 2009 14:41:20 -0700

LEGISLATIVE ALERT

October 22, 2009

Dear NAMB Member,

Today the House Financial Services Committee approved H.R. 3126, the "Consumer Financial Protection Agency Act of 2009" 39-29. NAMB commends and appreciates your participation in the Calls-to-Action by contacting your Representatives and urging them to vote for specific amendments to the bill. Two important amendments offered impacted the HVCC and RESPA.

NAMB is pleased to report that an amendment under the leadership of Rep. Gary Miller (R-CA) and Travis Childers (D-MS) and offered by Miller, Childers, Donald Manzullo (R-IL), and Michele Bachmann (R-MN) to sunset the Home Valuation Code of Conduct (HVCC) and allow all loan originators, licensed or registered in accordance with the SAFE Mortgage Licensing Act, to order appraisals directly, was voted on and approved by the Committee to be included in H.R. 3126. Rep. Kanjorski (D-PA) played an influential role in crafting the amendment as language included in the amendment is consistent with Kanjorski's previously introduced appraisal independence language permitting brokers to order appraisals.

An amendment offered by Reps. Rueben Hinojosa (D-TX) and Judy Biggert (R-IL) to postpone the Department of Housing and Urban Development's (HUD) RESPA Final Rule from the January 1, 2010 implementation date, among other details, was not agreed to as there were some technical questions on the delay time of the rule. Chairman Barney Frank (D-MA) agreed to work with the bill sponsors as the bill moves to the House floor in the next few weeks. The revised amendment will permit either GFE form to be used - the present GFE or HUD's new GFE - until July 1, 2010.

What's Next?

The Consumer Financial Protection Agency Act of 2009 is expected to be merged with a number of other regulatory reform bills before moving to the House floor for a vote including some previously House approved bills such as H.R 1728, the "Mortgage Reform and Anti-Predatory Lending Act of 2009." Companion legislation has not been introduced in the Senate although we expect to see such introduction in short time. Upon House and Senate approval of their respective regulatory reform bills, the bills may then be referred to a conference committee to resolve any differences in both bills. Once a compromise bill is agreed upon by a conference committee, it will be sent to the President to be signed into law. In the alternative, the Senate could approve a regulatory reform bill and then send it over to the House to approve. After which the final product will be sent to the President for his signature.

NAMB will continue to closely monitor this important legislation and update members going forward.

Questions? Email GovernmentAffiars@namb.org

NAMB President Jim Pair urges Representative Minnick to support HR 3126 reversing HVCC

Penny Fagan (Citizens Bank & Trust) — Wed, 21 Oct 2009 08:58:29 -0700

October 20, 2009

Dear Representative Minnick,

I am writing to you today on behalf of the National Association of Mortgage Brokers (NAMB) to urge you to vote for an amendment to H.R. 3126, the "Consumer Financial Protection Agency Act of 2009," submitted by Representatives Childers and Miller (CA). The amendment seeks to reverse the harmful Home Valuation Code of Conduct (HVCC) and calls on regulators to work together on one set of appraisal standards.

Click here to view a petition with over 100,000 signatures of Americans calling for the HVCC to be overturned. You may select your home state to find out how many of your voters support reversing the HVCC.

Sincerely,

Jim Pair, CMC
NAMB President 2009-2010

So tired of getting blamed for the mortgage meltdown! Wall Street needs to be looked at!

Penny Fagan (Citizens Bank & Trust) — Thu, 15 Oct 2009 10:32:24 -0700

It is time someone spoke up and shed the light on the right folks that are really to blame for the mortgage meltdown. I have attached some old rate sheets from Chase. We brokers sold products given to us by our lenders, in this case, Chase. All the lenders had similar programs. Keep in mind brokers do not underwrite loans and brokers do not fund loans, the Lenders do! These loans were created by Wall Street, packaged into securities by Wall Street and sold to investors all over the world by Wall Street. It was not the lenders or brokers that brought these loans into the country. it was the Federally Regulated Chartered entities! State lenders and brokers had to follow their own state predatory lending laws. Lenders like Chase, Wells Fargo, Bank of America preempted these laws, received a bailout and the irony of it all is they are now blaming the lenders and brokers for the whole mess! Wall Street NOT Main Street is where Congress should focus their efforts to assure this does not happen again! I am a small broker in Alabama and I see the clarity of the situation and do not see why our Congress does not! ChaseFlyer.pdf

Joint letter on RESPA REFORM

Penny Fagan (Citizens Bank & Trust) — Wed, 14 Oct 2009 16:28:37 -0700

October 14, 2009

The Honorable Barney Frank The Honorable Spencer Bachus

Chairman Ranking Member

Committee on Financial Services Committee on Financial Services

U.S. House of Representatives U.S. House of Representatives

Washington, D.C. 20515 Washington, D.C. 20515

Dear Chairman Frank and Ranking Member Bachus:

As the Financial Services Committee considers H.R. 3126, the Consumer Financial Protection Agency Act, the undersigned organizations representing the real estate finance industry urge the committee to adopt an amendment, expected to be offered by Representative Judy Biggert, that would require the Department of Housing and Urban Development (HUD) to provide for a more gradual implementation period for its Real Estate Settlement Procedures Act (RESPA) rule.

The RESPA rule is scheduled to take full effect on January 1, 2010 - less than three months from now. Despite the best motivations of HUD, and the sincerest efforts of the industry, there are simply too many unresolved issues to allow the industry to be fully RESPA-compliant by the first of the year. HUD's guidance has come far too late in the process and has been inadequate and often contradictory. Due to unresolved issues and critical unanswered questions, many lenders and settlement service providers are unprepared to comply. This, in turn, will cause very inconsistent implementation and confusion for consumers seeking to purchase a home.

The Biggert amendment would require HUD to postpone the implementation date of its RESPA reform rule for a reasonable amount of time and take several steps to achieve effective implementation. It would also allow both new and old forms to be used during the transition period. And it would require that, going forward, HUD and the Federal Reserve coordinate their regulatory efforts to ensure comparable RESPA and Truth in Lending Act (TILA) disclosures.

RESPA reform is important to consumers and the industry. Passage of the Biggert amendment would give all participants the additional time they need to get it right and assure full compliance.

Sincerely,

American Bankers Association

Consumer Bankers Association

Consumer Mortgage Coalition

Financial Services Roundtable

Housing Policy Council

Mortgage Bankers Association

National Association of Federal Credit Unions

National Association of Mortgage Brokers

Real Estate Services Providers Council, Inc.

NAMB WEST "Black Chip" Webinar Series

Penny Fagan (Citizens Bank & Trust) — Mon, 12 Oct 2009 08:11:37 -0700

The NAMB/WEST Conference is presenting the
"Black Chip" webinar series highlighting the
conference events and giving an insight of the
tremendous top national speakers and education seminars.

Register for any of the four webinars and receive a chance to win each time you register. You may win eight black chips at the "Opening Gala" Reception on December 5th at the MGM Grand Hotel in Las Vegas. You must be fully register for the conference and stay at the MGM Grand Hotel to qualify. You may eligible for up to four chances to win.

First "Black Chip" Webinar Series Wednesday, October 14, 2009 NAMB/WEST "Black Chip" Webinar Series
Featuring Think Big Work Small's Frank Garay "Using Video to Build Your Business

Click here to reserve your complimentary seat for this first webinar (limited to 1,000 attendees)

NAMB State of the Union Webinar

Penny Fagan (Citizens Bank & Trust) — Fri, 02 Oct 2009 10:02:55 -0700

If you missed the webinar we have the link so you can see it any time! This was our first attempt at communicating with our members and non members in this manner and we are stoked! I applaud Mark Green, Top of Mind and Mark Madsen, myfhablog.com!!! They volunteered their time for NAMB members to be updated on what NAMB is doing for its members. My sincere THANKS go out to them for all the time they put out on this great project. It let NAMB see a definite call for information to be given out in a different manner than we have used in the past for sure. About 4000 registered and only had room for 1000 in the webinar. If you did not get in, here it is!

We want to become the source of your information on all things in the industry that affect Brokers. We will be back with more of these events, and if you have an idea please share it with us!

Jhttp://www.capwiz.com/namb/issues/alert/?alertid=14118656

NAMB EMERGENCY WEBINAR! STATE OF THE UNION ADDRESS BY JIM PAIR

Penny Fagan (Citizens Bank & Trust) — Fri, 25 Sep 2009 10:46:19 -0700


Emergency State of the Union - Live Q & A With NAMB President Jim Pair

Thursday, October 1, 2009

12:00 PM - 1:00 PM EDT

Join us for a Webinar on October 1

*   YSP is going away come January 2010 - or isn't it?

*   FHA lending will become more accessible for third party originators - or won't it?

*   Congress is seriously considering an 18-month moratorium on HVCC - or aren't they?

Our industry is facing huge challenges and NAMB President Jim Pair wants to hear from YOU - so YOU can be heard on Capitol Hill.

Please join Jim Pair and Top of Mind's Mark Green on an Emergency State of the Union interview this Thursday October 1st at 12pm EST, 9am PST.

Please send us your questions when registering for the webinar.  We'll try to answer each and every one of them, if not during our live session, with a personal email response afterward.

System Requirements
PC-based attendees
Required: Windows® 2000, XP Home, XP Pro, 2003 Server, Vista

Macintosh®-based attendees
Required: Mac OS® X 10.4 (Tiger®) or newer

Reserve your Webinar seat now at:
https://www2.gotomeeting.com/register/296700555

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NAMB Lesiglative Update

Penny Fagan (Citizens Bank & Trust) — Mon, 21 Sep 2009 10:17:16 -0700

TO: All NAMB Members
FROM: NAMB Government Affairs

Dear NAMB Members:

On September 18, 2009 the Department of Housing and Urban Development (HUD) released Mortgagee Letters 09-28, 09-29, 09-30. These mortgagee letters contain provisions similar to those seen in the Home Valuation Code of Conduct (HVCC). Mortgagee Letter 09-28 prohibits "FHA-approved lenders... from accepting appraisals prepared by FHA Roster appraisers who are selected, retained or compensated in any manner by a mortgage broker or any member of a lender's staff who is compensated on a commission basis tied to the successful completion of a loan." Mortgagee Letter 09-29 states, "In cases where a borrower has switched lenders, the first lender must, at the borrower's request, transfer the case to a second lender." Mortgagee Letter 09-30 changes the appraisal validation periods from 6 months for existing properties and 12 months for proposed or under-construction properties, to 120 days for both. All three of these Mortgagee Letters go into effect for case numbers on or after January 1, 2010.

These letters are of great concern to NAMB, as we believe mortgage brokers should be able to order their own appraisals. NAMB officials will be in Washington, DC next week and will be meeting with members of Capitol Hill as well as attending various other meetings.

Click here for a copy of the Mortgagee Letters issued by HUD on September 18, 2009.
Click here for a press release on these mortgagee letters and upcoming rule making.

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CORRECTED HVCC PETITION LINK

Penny Fagan (Citizens Bank & Trust) — Wed, 16 Sep 2009 12:21:13 -0700

http://www.namb.org/Forms.asp?MODE=NEW&Forms_FormTypeID=-29

Here is a corrected HVCC LINK!!! The first link provided was an error!!!

PLEASE SIGN, we NEED SIGNATURES!!!

Thanks

STOP KILLING HOME VALUES

Penny Fagan (Citizens Bank & Trust) — Wed, 16 Sep 2009 10:18:28 -0700

http://www.namb.org/Forms.asp?MODE=NEW&Forms_FormTypeID=-28

NAMB Needs your help in getting HVCC to go away!!!! Please sign this!!!

Another NAMB member speaks out on the value of membership!

Penny Fagan (Citizens Bank & Trust) — Fri, 11 Sep 2009 09:24:28 -0700

"I became a NAMB member because this is the only member organization that I know of that has a seat at the table. We have done a very poor effort in the past of touting our successes. I have been charged with the NAMB Board of Director calls to the states. Going forward I will include our successes in those calls. I never realized how much effort and time goes into testifying, or responding to a proposed bill and how much effect we have had in the past."

William R. Howe CMC, CRMS
President Elect NAMB
Past AAMB Broker of the Year
Howe Mortgage Corporation
9414 E San Salvador Dr Suite 236
Scottsdale AZ 85258
602-200-8100 Ext 209 Fax 480-668-3769
bill@howemortgage.com

Another NAMB members speaks of the Benefit of being a member!!

Penny Fagan (Citizens Bank & Trust) — Wed, 09 Sep 2009 11:06:18 -0700

I am an active member of NAMB because my membership provides many resources that many small business owners can't afford. NAMB fights for me business on the national and regional level. Having a professional legal team is important. In addition, my association with NAMB offers education courses that separate me from my competition. finally, being a member saves me money on supplies and marketing programs through member discounts.

Become a member, you will not regret your decision.

Gervy G Papion

President, Louisiana Mortgage Lenders Association

Benefit of being a NAMB member from a actual NAMB member

Penny Fagan (Citizens Bank & Trust) — Tue, 08 Sep 2009 11:25:37 -0700

I have asked for NAMB Members to send me reasons why they are members of NAMB. What has NAMB done for you and your business? Here is a comment from Mr. Everett Ives of Texas

"NAMB was fighting for Originators when EVERY ONE else was fighting over FNMA and Freddie MAC, over banking reserves, over servicing issues and in some cases attempting to eliminate mortgage brokers. NAMB is still young in the Trade Association industry but it has succeeded in connecting with all the top agencies, officials and regulators and sustaining dialog with them."
Everett Ives Everett Ives and Associates Mortgage Industry Business Consultants

I am proud to be a member of NAMB and will be sharing these comments to you over the next month! Enjoy and if you are not a member, go to www.namb.organd join this viable association that is working to keep all our doors open for business!

NAMB working for you!!! Wondering what they are up to????

Penny Fagan (Citizens Bank & Trust) — Thu, 03 Sep 2009 17:18:06 -0700

What are we doing today?

Check here for daily updates on what NAMB Government Affairs is doing to protect the industry.

Wednesday, September 2, 2009

NAMB is preparing content for News from NAMB.
NAMB is continuing to review the FRB's Proposed Changes to Regulation Z (TIL). Comments are due by December 24, 2009.

Tuesday, September 1, 2009

NAMB is currently reviewing the language contained in H.R. 1728 for its implications for mortgage brokers. Click here for more information on the bill.
NAMB is continuing to review the FRB's Proposed Changes to Regulation Z (TIL). Comments are due by December 24, 2009.
NAMB is reviewing the newest set of HUD FAQs on RESPA. Click here for a copy.

Monday, August 31, 2009

NAMB is reviewing the FRB's proposed changes to Regulation Z (TIL). There are two proposed rules: one regarding HELOCs and one regarding Closed-End Mortgages. Click here for more information.
NAMB released new HUD FAQs regarding RESPA. Click here for a copy.
NAMB is preparing for the NAMB/WEST Conference December 6 - 8, 2009.

Friday, August 28, 2009

NAMB is reviewing the FRB's proposed changes to Regulation Z (TIL). There are two proposed rules: one regarding HELOCs and one regarding Closed-End Mortgages. Click here for more information.

Thursday, August 27, 2009

NAMB released News from NAMB.
NAMB is preparing for the NAMB/WEST Conference from December 6 - 8th, 2009.
NAMB is reviewing the Federal Reserve Board's proposed changes to Regulation Z (TIL).

Tax Credit Time is Running Out....For now NO NEWS on an EXTENSION

Penny Fagan (Citizens Bank & Trust) — Wed, 02 Sep 2009 07:46:54 -0700

So with that being said, if you have clients looking.... the time to get it in writing is definitely NOW!!!! This is such a great thing for first time home buyers. Buyers have to CLOSE by Nov 30th, not be under contract, but CLOSE. With that date coming up, roughly 12 weeks from now, you might want to knock this out early on and not be a part of the last minute insanity. I am sure there will be disappointed home buyers that don't get closed for one reason or another and this is gonna stink!!!! So, my advice, since we do not have an extension on the Tax Credit right now, is lookie loo, you need to be signing on the dotted line right now!!!!

NAMB NEWS

Penny Fagan (Citizens Bank & Trust) — Tue, 25 Aug 2009 10:28:48 -0700

NAMB officials met with FHA Commissioner to discuss mortgage broker participation in FHA. View the press release here http://ow.ly/lbV0

Tax Credit TIME IS RUNNING OUT

Penny Fagan (Citizens Bank & Trust) — Fri, 21 Aug 2009 16:14:37 -0700

If you have clients looking the time to get it in writing is definitely NOW!!!! Buyers have to CLOSE by Nov 30th, not be under contract, but CLOSE. With that date coming up, roughly 14 weeks from now, you might want to knock this out early on and not be a part of the last minute insanity. I am sure there will be disappointed home buyers that don't get closed for one reason or another and this is gonna stink!!!! So, my advice, since we do not have an extension on the Tax Credit right now, is lookie loo, you need to be signing now!!!!

$8000 Tax Credit

Penny Fagan (Citizens Bank & Trust) — Fri, 14 Aug 2009 16:14:16 -0700

To get the $8000 Tax Credit you must purchase a home BEFORE Dec 1st. If you have clients looking, with turn times and underwriting guideline changes, I would STRONGLY suggest they go ahead and enter into a contract ASAP! If they want to go Rural, I certainly hope you already have in a contract!!!! Their turn times are months now!! That is right, not a month but MONTHS! Some companies are revising their HVCC policies in place, which is helping on turn times in that area. I hope you all have a great weekend! I am seeing two of my six grands, so life is definately GOOD!

Today is a new day

Penny Fagan (Citizens Bank & Trust) — Thu, 13 Aug 2009 16:11:00 -0700

Since I have not posted a blog in a week I thought we could just catch up. Mortgage land is ever changing. Rural Housing's underwriting system GUS has been DOWN for three days. To compound that issue, the local RD office is on a 15 to 20 day turntime, IF THEY EVER GET GUS back up and running. I have said prayers for the RD folks, cause they really need them. This is greatly affecting my underwriting turn times. How about I have a friend who's last RD loan took three and a half months to close! Moving on, HVCC has tripped me up on one of my loans, to the point of just being down right stupid. FHA is the product of choice for so many reasone, HVCC being one of the MAIN ONES! I do have loans closing and rates are great. VA is clicking right along too! No issues there! I am gearing up for another 203ks loan to close, I love doing these gems!

North AL Business Connection

Penny Fagan (Citizens Bank & Trust) — Thu, 06 Aug 2009 06:29:54 -0700

Getting ready to head out for another fantastic NABC meeting. This referral group has passed over $30,000 BUSINESS dollars this year, if that number is not correct I will post it next week!!!!! We do mean business at our meetings. We have Chiropractic Doctor, Lawyer, Dentist, Financial Advisor, Computer expert, Insurance, Health Food, Galvanic Facial products, Realtor, Office Furniture, security system and we have more but my brain in blinking out right now. You get the point, we are local professionals passing actual business to each other!