Today I shocked my Father, I think...Can you identify with this one? - 03/31/07 11:29 PM
Today my Father and I continued our project on working to put a wooden floor in our kitchen. The hours went by and we were both getting pretty tired. Dad and I don't know when to quit once we start a project. But we did both agree that we would stop … (9 comments)
Mortgage Broker, and Mortgage Banker, what is the difference anyway? - 03/31/07 11:04 PM
Years ago when a person wanted to purchase a home, all they had to do was go to their local Bank and ask their favorite Loan Officer for a loan. Done deal usually, as the L.O. usually had a financial relationship with the client in the first place of many years. … (7 comments)
I am on an Active Rain Mission, I need help, Home Builders wanted.... - 03/31/07 08:43 PM
OK, we all need to take the challenge Steve Dalton (Synergy Homes) has hinted we all need to get our home Builders on Active Rain, WE NEED THEIR INPUT. I agree with Steve, we need all the input on A.R. we can get. Especially from Home Builders. I am going to purposely … (5 comments)
A Neighbor in financial trouble asks Lender/Realtor help - 03/30/07 07:25 PM
Our neighbor came to my wife, the Realtor in the family, and myself, the Lender to ask for assistance. She just did not know what to do with her home and her present mortgage. We both talked to our neighbor, analyzed her situation, and found that she was stuck. Her last … (10 comments)
Trigger Leads is a tool for lenders, but at the buyers expense! Beware! - 03/27/07 07:42 PM
I am writing this blog post in hope to clarify what Trigger Leads are, and to inform the borrower to "Beware"! If you as a consumer have applied for a mortgage on line, or at a lending institution at which time a credit bureau was pulled, you can most likely expect … (15 comments)
What are you learning on Active Rain? Refresher course too? - 03/27/07 06:44 PM
I have been learning so much on Active Rain, and it has also been a refresher course as well. I see so many good ideas as to how to handle clients when selling their home by Realtor's, and how to drum up business from another Loan Officer who is fairly new … (10 comments)
Big Screen T.V.'s their everywhere, so why can't we get the full picture? - 03/25/07 05:22 PM
THE FULL PICTURE, lets see...as Real Estate professionals we always wonder if our client is getting the full picture on what we are presenting to them. Or should I say, what we are selling to them? We present the picture to them as if it were on a Big Screen T.V., … (18 comments)
Our Spouses, our careers, and Active Rain, what a combination. - 03/25/07 04:00 PM
What a combination is right! Without Spouses we would possibly make decisions in life alone, and we may not make the right choice by doing so, alone. Careers, and the path we take to develop who we are depend on ourselves, and I would like to think our spouses have something … (3 comments)
Just want to welcome a special lady to Active Rain, Welcome Connie - 03/25/07 03:49 PM
Hi Active Rain, I just wanted to welcome Connie to A.R. She has took the plunge to become a part of a great blogging community site. I ask that you not be too hard on her as she is just starting out. hehehehe, I know she will have a lot of … (7 comments)
I talked to a sub prime lender today, still alive and kicking - 03/23/07 10:38 PM
So much has been said about the Sub Prime industry. Wells Fargo is one company I have been keeping an eye on lately. Seems there has been a few posts talking about their situation. I was told today Wells Fargo is trying to hold their own and is doing well, and … (8 comments)
We all have so much in common, just read the blogs! - 03/23/07 10:24 PM
Read the blogs and see how much you have in common with thousands of Rainers right here on Active Rain. It amazes me that we all have so much in common. Some of us love to sell real estate, other love to make loans, for what reason I will never figure … (6 comments)
We talk about ethics, predatory lending, does anyone care? - 03/23/07 10:06 PM
Ever accept a position where the employer promised you the moon? You know, lots of money, lots of perks if you work hard and are a loyal employee? I know you all have heard this before. My question comes into play concerning what an employee has to do to make lots … (11 comments)
PMI, MIP, FHA, Loans, Insured Loans - 03/22/07 10:56 PM
Can we as Lenders just give in to a client who asks for a certain loan product, knowing the loan product is really not the right loan for them? I am sure you have been there, and know what I am talking about. You know, the one that asks for the … (1 comments)
So what is a "real pre-approval" for a loan? - 03/19/07 08:47 PM
So many Realtors are confronted with this issue at the last minute. That's right, at closing or just before. The Realtor usually says something like, "how could this happen, you the lender had given me a pre-approval letter?" You guessed it, this happens just before the loan was to close, you … (11 comments)
Wife Swap, can you imagine? - 03/16/07 08:55 PM
I am here to tell you, the program entitled Wife Swap is a disaster. As I sit and watch this show, I see the lives of two families crumbling in front of my eyes. I get so frustrated just watching this program and the situations the program permits these families to … (9 comments)
Your Dream Home, a wise investment, great tax benefits, and it's yours! - 03/16/07 06:00 PM
That's right, it's all yours. Sure, you might have a mortgage with your favorite banker, like me for instance, (smile), but it is your home to do with whatever you wish. Want to hang a picture on your wall, sure thing! Do you benefit by owning verses renting an apartment or … (1 comments)
OK, so what if there were no "God" what would you do? - 03/15/07 06:44 AM
What a thought, not to have a God. That means I would not be 'accountable" to anyone, I could come and go as I please, act anyway I wish to, I would not have to worry about my friends and their illnesses, man I could have blast!As I have come here … (7 comments)
Is it wise to shop around before signing those loan doc's??? - 03/14/07 09:06 PM
So many lenders will tell you they are the best lender in town. And most of us will also tell you they really do believe just that. I feel it is important to shop around for a lender before signing on the dotted line. Find the lender your comfortable with. Someone … (1 comments)
BLOW OUT, AT 55 MPR on a two wheeler - 03/12/07 10:18 PM
Have you ever wondered what it would be like to have a blow out on a motorcycle traveling 55 mpr, with your spouse as a passenger? My wife and I ride whenever we have the chance to do so. I have always told Cyndi if anything goes wrong and if we … (12 comments)
Cell phones, are we stuck with them? - 03/09/07 10:04 PM
The cell phone is a communication device I am starting to wonder if I could live without. Why not, I did for how many years before they came about? Too many, I know. LOL, Seems everywhere we go people are on the phone. Driving, during lunch at all fast food restaurants, … (6 comments)
Loan Origination, a profession or just another job? - 03/09/07 08:15 PM
I have come in contact with some pretty nice people lately in the Loan Origination field. I have also noticed that in most cases, it's just another job to some of them. I have a hard time accepting this as I cannot understand how someone collects enough information from a person … (5 comments)
Have you ever gone "without" T.V.? - 03/07/07 08:53 PM
Have you ever wondered how a T.V. has effected our lives throughout the years? Have you ever not watched the tube for lets say, thirteen months. None, not a commercial, no cartoons, nothing, zip...gone! I did, but it was because I had to as I was overseas for that period of … (9 comments)
You know, Prayer is wonderful, and it works every time. - 03/05/07 07:47 PM
As I came here this morning to read and comment on your blogs. I felt the need to ask for prayer as I was starting a new job today. I had prayed for some time about this change, and felt this was a good move. Your prayers meant so much to … (3 comments)
Stepping out on faith alone, ever been there, done that? - 03/03/07 06:57 PM
It's been over a year now since we moved back to Indiana, my home State. My wife and I had decided to come back to my home State after traveling the country trying to see where we would fit and be comfortable. We took a trip out west, not too much traffic, … (19 comments)
Old junk around the house, not me, right? - 03/03/07 12:26 PM
Have you ever surveyed your old items you keep in your house, garage, attic, basement, etc.? I have been doing so for over a year now. I have finally made up my mind to let go of several items that have been moved around for over thirty years now. An old … (0 comments)
Meat Harley...and yes he purrs like one too! - 03/02/07 09:18 AM
Meet Harley, my little friend that has been with me for a for six years now. If your wondering why I am writing about a silly cat, well let me tell you about this little guy and maybe you will see what I see in him.First off, I want you to … (6 comments)
I am ready to crank up that Harley! - 03/02/07 08:41 AM
We have been cooped up in this house, work, etc. for far too long. It is now March, it is time to crank up the Harley and take off down the road. We are a month late! That's right, we are a month late here in Indiana for our first ride … (3 comments)
How does music keep me in check? - 03/01/07 08:06 PM
While driving down the road, what happens to you when a song comes on the radio which you remember, as maybe a teenager, early twenty's, thirty's and so on? I love the oldie but goodies, as we call them. Many things come into my mind as I listen to a song … (4 comments)
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Today my Father and I continued our project on working to put a wooden floor in our kitchen. The hours went by and we were both getting pretty tired. Dad and I don't know when to quit once we start a project. But we did both agree that we would stop … (9 comments)
