| |
interest rates: FHA Jacks Up Loan Costs - Mortgage by Randy Newsletter - Mar 2012 - 03/26/12 08:05 AM
… (0 comments)
|
interest rates: Taxoline Season - Mortgage by Randy Newsletter - Feb 2012 - 02/26/12 05:47 PM
… (1 comments)
|
interest rates: Will Low Rates To Continue? - Mortgage by Randy Newsletter - Jan 2012 - 01/28/12 05:51 PM
… (1 comments)
|
interest rates: Jobs Report Dirty Secrets - Mortgage by Randy Newsletter - Dec 2011 - 12/20/11 02:25 PM
… (0 comments)
|
interest rates: Hurricane Irene Scams - Mortgage By Randy Newsletter - Aug 2011 - 09/01/11 01:35 AM
… (1 comments)
|
interest rates: Forgivable Mortgage Program - Mortgage by Randy Newsletter - July 2011 - 07/18/11 12:41 PM
… (1 comments)
|
interest rates: MSN Money Article Doesn't Do ARMs Justice - 03/22/11 01:34 AM
A recent MSN Money article "The ARM is back: Should you bite?" describes ARMs as "...the sweet sirens of the last couple of decades, luring Americans into the homebuying or refinance market with low initial interest rates and unspoken but hinted-at guarantees that nothing could go wrong." The tone of the article insinuates that the bad boy of mortgage products is back in town and that mortgage borrowers should be cautious about dancing with the devil. Traditional ARMs do not deserve a bad rap.
Traditional ARM products were not the culprits behind the financial debacle. Rather, one of the main problems … (3 comments)
|
interest rates: One Of My Favorite Moments Each Month - Mortgage by Randy Newsletter - Jan 2011 - 02/08/11 09:40 PM
Mortgage by Randymonthly update to our clients, colleagues, family & friends By: Randy Mitchelson, January 2011 ==================================================================================== In Issue 34 We Touch On: One Of My Favorite Moments Each MonthIs Your Mortgage Professional Licensed?2011 = More Of The SameI couldn't believe I witnessed the Dow Jones Industrial Average break 12,000 this month amidst all the turmoil in our economy (record deficits, anemic job creation, ongoing housing slump, etc). This big bounce back from the 9000s goes to show how the stock market moves independently of what's happening in the economy. In general, people who still have jobs are more confident that they will … (0 comments)
|
interest rates: Banks Lend On Illegal Structures - Mortgage By Randy Newsletter - Dec 2010 - 12/29/10 05:30 PM
Mortgage by Randymonthly update to our clients, colleagues, family & friendsBy: Randy Mitchelson, December 2010 =================================================================================== In Issue 33 We Touch On: Banks Lending On Illegal Structures Year End Donation Tips Using Power Of Attorney Happy holidays everyone! Enjoy the time you spend with friends and family during the holiday season - it is precious - and when you strip everything else away, it is these times that we spend together that bring the most meaning to our lives. The current newsletter and all prior newsletters are archived at the Mortgage by Randy blog. Bookmark it and share with your friends and family. You … (0 comments)
|
interest rates: Foreclosures Halted - Mortgage By Randy Newsletter - Oct 2010 - 10/18/10 02:14 AM
Mortgage by Randy monthly update to our clients, colleagues, family & friends By: Randy Mitchelson, October 2010 ================================================================================= In Issue 31 We Touch On: Foreclosures Halted Gas Price Scam Sneaky School TaxOur restaurant tour enters week 7 as frustrating delays have slowed the kitchen remodel project. However, the end is near and if anyone is planning on a kitchen project, hit me up for some tips before you get started. I recorded some short videos to help people think through some remodeling details that typically are overlooked until it is too late. If we knew then what we know now... The current newsletter and … (1 comments)
|
interest rates: Back To School Credit Ideas - Mortgage By Randy Newsletter - Aug 2010 - 08/22/10 10:41 PM
Mortgage by Randymonthly update to our clients, colleagues, family & friendsBy: Randy Mitchelson, August 2010=============================================================================== In Issue 29 We Touch On:Mortgage Tips For Self-EmployedBack To School Credit IdeasIt's The Jobs, StupidWhere has the summer gone? Back to school season is upon us, which makes a perfect excuse for parents to implement a plan to teach their kids about money and credit. Check out the Personal Credit section below for some tips. We remain within an extended period of historically low interest rates and there is no end in sight, at least for the next 3-6 months. Housing inventory is still high which … (2 comments)
|
interest rates: Strategic Defaults Defined - Mortgage By Randy Newsletter - July 2010 - 07/20/10 05:53 PM
Mortgage by Randymonthly update to our clients, colleagues, family & friendsBy: Randy Mitchelson, July 2010 ===============================================================================
In Issue 28 We Touch On: Bad Credit MortgagesStrategic DefaultsLead Paint Mid month travel has delayed the release of this month’s newsletter, but the extra few days have allowed me to reflect upon a topic that may hit home for some. One of the reasons that I was inspired to earn my mortgage license was to be able to help people. Being on the inside of various mortgage lenders throughout my career gave me unique insight into how many good borrowers get railroaded or turned … (0 comments)
|
interest rates: Congress Chokes Consumers - Mortgage By Randy Newsletter - June 2010 - 06/21/10 12:36 AM
Mortgage by Randymonthly update to our clients, colleagues, family & friendsBy: Randy Mitchelson, June 2010=============================================================================== In Issue 27 We Touch On:Congress Chokes ConsumersCredit FreezesScrewed And Glued
Summer is here. One way I can tell is by watching the gathering thunderstorms outside my office window each day. If lightning is your type of excitement, book a room at Hotel Mitchelson for a few nights and enjoy the show. The daily storms are symbolic of current economic events and government action. Just when you think it can't get any crazier, it does. This issue includes some disturbing updates about the mortgage industry and our … (1 comments)
|
interest rates: Death Of Free Credit Report Ads - Mortgage By Randy Newsletter - Apr 2010 - 04/18/10 11:38 PM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, April 2010
==================================================================================
In Issue 25 We Touch On:
Death Of Free Credit Report Ads
Last Call For Low Mortgage Rates?
Endless Cash For Gold Advertisements
One of my strongest beliefs is that things happen for a reason. As we begin the third year of this newsletter, it has occurred to me that we have been living through one of the most challenging economic environments in generations. There is massive upheaval in the banking and mortgage industries. New laws are being passed by … (2 comments)
|
interest rates: Escrow Analysis Season - Mortgage By Randy Newsletter - Mar 2010 - 03/19/10 12:01 PM
Mortgage by Randymonthly update to our clients, colleagues, family & friendsBy: Randy Mitchelson, March 2010
===============================================================================
In Issue 24 We Touch On:Escrow Analysis StatementsCredit Card Annual FeesRewarding Good Behavior Spring is in the air. March Madness is upon us (Go ‘Cuse) and home buying season is here. Spring 2010 may prove to be one of the best seasons to purchase a home. Rates have sunk to historic lows again. The federal government is bribing shoppers with up to $8,000 tax credit (hurry the clock is winding down). Many property owners are desperate to sell at rock bottom prices including many banks that … (0 comments)
|
interest rates: Mortgage Law Would Hurt Consumers - Mortgage by Randy Newsletter - May 2009 - 05/18/09 11:55 PM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, May 2009
======================================================================================================================
In Issue 14 We Touch On:
Politicians Write Bad Mortgage Legislation
Americans Put Away Credit Cards
Buying Credit Scores
April ended with another seminar and more homeowners getting educated with the latest news about the property insurance, real estate, self-directed IRA, mortgage and credit markets. Feedback from the Estero, Florida audience was favorable and many thanks to fellow presenters Jerry Elliot (Oswald Trippe Insurance), Dina Cecere (Dina Cecere Realty), Paul Cecere (Centennial Lending Solutions) and Austin Hardy (Entrust). On to the news....
The … (0 comments)
|
interest rates: Credit Scores Impacted by New FICO Model - Mortgage by Randy Newsletter - January 2009 - 03/21/09 02:47 PM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, January 2009
=========================================================================================================================
In This Issue We Touch On:
Government Marketing Gimmicks
New FICO Model Puts Your Score at Risk
Real Life Example - Should I Refinance?
The era of hope and change is upon us as we officially transition to the Obama presidency this month. Faced with economic and confidence challenges of historic proportions, Obama has an uphill battle. Although a honeymoon period is inevitable where the stock market rebounds, Congress passes trillion (yes with a "t") dollar stimulus legislation under the banner … (0 comments)
|
interest rates: Tax Tip To Do Before 12/31/08 - Mortgage by Randy Newsletter - Dec 2008 - 01/05/09 10:32 PM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, December 2008
====================================================================================
In This Issue We Touch On:
My Early Stocking Stuffer
Refi Boom?
Is The Bank Closing Your Credit Card Account?
If you are reading this you have successfully set-up your new email subscription. Thank you for your patronage and feedback. Be assured that your subscription will not result in your sacred personal information being shared or sold.
I received an early gift this holiday when I earned the Lending Integrity Seal of Approval from the National Association of Mortgage Brokers. The … (1 comments)
|
interest rates: 6 Steps To Remove Collections From Your Credit Report - Mortgage by Randy Newsletter - Nov 2008 - 11/16/08 08:22 PM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, November 2008
===============================================================================
In This Issue We Touch On:
Hope
Interest Rates on the Rise
Government Tosses Another Hail Mary
Standing in the doorway of the terrace outside our Capitol where our next President will take the oath of office, I imagined the scene. Millions of people will watch both in person and on television. Many of them will be full of hope and optimism. The voices of cynics will still be heard. However, it is inevitable that our society will experience a mood swing … (1 comments)
|
interest rates: Your Credit Score May Drop - Mortgage by Randy newsletter - July 2008 - 07/22/08 12:44 AM
Mortgage by Randy
a monthly update to our clients, colleagues, family & friends
by: Randy Mitchelson, July 2008
===============================================================================
In This Issue We Touch On:
Unemployment, Inflation & Credit Score Drops on Perfect Payment Histories
We have to start this newsletter with a quick sidebar about my recent experience volunteering with Major League Baseball in New York City. As a fan of baseball and especially the New York Yankees, I wanted to be a part of the All Star experience during this final season at Yankee Stadium. I was fortunate enough to be chosen as an ambassador for MLB and want … (1 comments)
|
|
|
|
|
|
Randy Mitchelson
Estero,
FL
More about me…
Randy Mitchelson, Licensed Mortgage Professional
Address: Estero, FL, 33928
Office Phone: (239) 851-6738
Cell Phone: (239) 851-6738
Email Me
Mortgage by Randy personal finance newsletter is sent monthly. The newsletter covers topics including the mortgage market, credit scores, identity theft and identity protection, U.S. and global economy, questions from readers and charitable endeavors that are important to my family. Feel free to share Mortgage By Randy on your blog, Facebook, Twitter, Google+, etc.
 Listings
Links
Archives
|
;)
;)
;)
