private mortgage advisors: Roger's Quotable Quotes - 11/23/09 01:08 PM
"The human contribution is the essential ingredient. It is only in the giving of oneself to tohers that we truly live"
Ethel Percy Andrus
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private mortgage advisors: The Lost Art of Courtesy and Kindness - 11/19/09 03:47 PM
I don't know if it is a generational thing or not, but it seems to me that people are getting more rude and displaying a lack of courtesy and a lack of kindness more and more each day. When I was raised (born in 1954), I was taught to address my elders … (40 comments)
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private mortgage advisors: Housing Market Forecast 2010 - 11/09/09 05:34 PM
Looking Ahead - California Association of Realtors Releases 2010 Housing Market Forecast
RISMEDIA, November 9, 2009-"California's housing market continued its strong sales rebound this year, resulting from the continued pace of distressed properties coming to market," said California Association of Realtors (C.A.R.) President James Liptak. "This follows two years of … (2 comments)
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private mortgage advisors: 1.4 Million Families Have Taken Advantage of First-Time Home Buyer Tax Credit, More Claims Expected - 11/09/09 05:30 PM
1.4 Million Families Have Taken Advantage of First-Time Home Buyer Tax Credit, More Claims Expected
RISMEDIA, November 9, 2009-With the First-Time Home Buyer Tax Credit deadline now extended, the Internal Revenue Service recently reminded potential home buyers they must complete their first-time home purchases before April 30, 2010 to qualify … (0 comments)
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private mortgage advisors: Ask the Experts: More Than an Agent - Today's Real Estate Advisor - 11/09/09 05:26 PM
Ask the Experts: More Than an Agent - Today's Real Estate Advisor
RISMEDIA, November 9, 2009-As a new and different economic environment continues to evolve around us, a unique opportunity exists for real estate agents to take a position of authority and provide guidance which will earn them respect, a … (1 comments)
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private mortgage advisors: Big Rebound in Existing-Home Sales Shows First-Time Buyer Momentum - 11/09/09 05:22 PM
Big Rebound in Existing-Home Sales Shows First-Time Buyer Momentum
RISMEDIA, November 9, 2009-Existing-home sales bounced back strongly in September with first-time buyers driving much of the activity, marking five gains in the past six months, according to the National Association of Realtors®. Existing-home sales-including single-family, townhomes, condominiums and co-ops-jumped 9.4% … (1 comments)
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private mortgage advisors: Minimize Risk of Becoming Victim of ID Theft! - 11/09/09 02:42 PM
To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take. For starters, just remember the word "SCAM": Be Stingy about giving out your personal information to others unless you have a reason to trust them, regardless of where … (2 comments)
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private mortgage advisors: Extension of Tax credit approved! - 11/06/09 06:28 PM
The long-awaited extension of the tax credit has been approved by both the House and the Senate and currently awaits President Obama's signature (which is not expected to be a problem). There is also an expansion of the credit to include current homeowners (not just first-time buyers)...however, there are several restrictions … (1 comments)
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private mortgage advisors: Home Price Reduction Levels Stay Above 25% for Fourth Consecutive Month - 10/29/09 02:57 PM
Home Price Reduction Levels Stay Above 25% for Fourth Consecutive Month
Trulia, Inc announced that 25.6% of homes currently on the market in the U.S. as of October 1, 2009 have experienced at least one price cut. More than one in four current listings on Trulia have been reduced in … (2 comments)
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private mortgage advisors: Bernanke: Recession is Over, But Tough Times Will Linger - 10/29/09 02:54 PM
Bernanke: Recession Is Over, but Tough Times Will Linger
The deep recession that's gripped the U.S. economy by the throat since December 2007 is "very likely over at this point," Federal Reserve Chairman Ben Bernanke recently said. However, Bernanke painted a picture of an underperforming economy well into next year as … (1 comments)
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private mortgage advisors: No Rest for the Weary - 10/29/09 02:51 PM
No Rest for the Weary: 75% of Americans Plan on Working as Long as They Can
A new study released by Bankrate, Inc. shows that the vast majority of working Americans plan to work as long as they can during retirement age, showing a redefinition of how Americans view traditional retirement … (0 comments)
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private mortgage advisors: Hera-Hoepa -Fees and Loan Data that impact APR - 10/22/09 05:10 PM
HERA-HOEPA
Fees & Loan Data that impact APR
Govt Recording/Transf Fees:
· Recording Fee/Assignment
· Subordination/Modification
3rd Party Fees:
· Broker Compensation Fee
· Courier/Messenger Fee
· EDD to 3rd Party
· Fax/Copies/Postage
· Final Inspection
· Flood Life of Loan
· HOA Cert Fee
· Home Warantee
· Mortgage Ins Ap Fee
· Processing Fee
· Re-Draw Fee
· Reconveyance Fee
· Tax Service … (2 comments)
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private mortgage advisors: Lend $25 Dollars to Kiva, and Change someones Life! - 10/21/09 08:00 PM
Kiva
How does it work?
Kiva brings together lenders and worthy enterprises on the web.
From Kenya to Ecuador, microfinance institutions (MFI) around the world go to Kiva.org and post photos and profiles of low income entrepreneurs in need of money for their businesses.Loans made easy and personal.
Lenders go … (6 comments)
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private mortgage advisors: 10 Things to Do to make sure your loan gets denied! - 10/21/09 03:00 PM
Forget to mention that you just bought a new car or stereo system.
Forget to mention that you have to pay child support or alimony.
Forget to mention that you will be going on maternity leave during the escrow.
Forget to mention that the money you are using for the … (6 comments)
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private mortgage advisors: Have you hugged your loan officer and escrow/Title officer lately? - 10/21/09 01:29 PM
In the real estate business non of us get enough credit for all we do to make it look easy!
This is good and bad.....good for the customer (they appreciate how smooth the process went), bad for us in that they think we are over paid for doing what a monkey … (2 comments)
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private mortgage advisors: Life is what happens when you are making other plans! - 10/20/09 06:35 PM
Life is what happens when you are making other plans!
Who better than the "skipper" from Gilligans Island would know that?
He started off his 3 hr cruise one day like any other day, and what happened?
He was stranded with two rich people, a movie star, a professor, Gilligan, … (4 comments)
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private mortgage advisors: 10 Things to do to make sure your escrow doesn't close on time! - 10/20/09 06:26 PM
Ten Things to do to make sure your escrow doesn't close on time!
Don't get the signed purchase contract and addendums to the loan officer/bank right away.
Don't meet the appraiser at the property asap to complete buyers appraisal.
Take your time getting the HOA docs to Lender on condo and … (39 comments)
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private mortgage advisors: Why can't we live life like a dog? - 10/20/09 05:25 PM
Oh to live life like a dog!
They are happy just to go for a walk, to sit in the car when you run errands, to play frisby or catch with the tennis ball, or just to sit next to you while your reading a book or watching tv. They … (6 comments)
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private mortgage advisors: More Housing Aid is on the Way - 10/20/09 05:01 PM
More Housing Aid Is On the Way
Washington Aims to Shore Up State, Local Agencies That Help Buyers With Few Options
Wall Street Journal, By Nick Timiraos and Jessica Holzer
October 20, 2009
The Obama administration unveiled steps to help state and local housing-finance agencies provide mortgages and rental housing to … (3 comments)
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private mortgage advisors: Pumpkin Carving Stencils-Courtesy of History.com - 10/19/09 06:31 PM
Pumpkin Stencils
Use these pumpkin carving stencils from History.com to carve your pumpkins. Simply select the template you want to use, print it out and get carving!
Beginner
Scary Face Stencil
Happy Face Stencil
Surprised Stencil
Skull Stencil
Cute Cat Stencil
Bats Stencil
… (2 comments)
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