Loyalism, here you go Steve Dalton, your challenge has been accepted! - 04/29/07 08:08 PM
Legalism, here you go Steve Dalton, your challenge has been accepted! A few weeks back our friend Steve Dalton here on Active Rain had challenged my wife Cynthia and I to show ourselves in all the places we both write about here in our community in Indianapolis. So, here you are Steve … (6 comments)
"Grow Old Along With Me The Best Is Yet To Be" - 04/29/07 07:51 PM
"Grow Old Along With Me The Best Is Yet To Be" I love this saying which can be easily read on this old time piece. This Sun Dial is still right on time and is located at our 23rd Presidents home located here in Indianapolis, Indiana. I had to show you all … (7 comments)
Does things just happen by chance in our life? Or do we have some help out here? - 04/27/07 09:04 PM
Does things just happen by chance in our life? Or do we have some help out here? I have often given much thought of this question in my lifetime and have come to the conclusion...we have help out here with everything in our lives. We sometimes may think to ourselves, "if … (10 comments)
Homeowners, with or without a home owners association...which do you prefer? - 04/24/07 04:20 PM
This was one of the questions my wife and I both had quite a discussion on while looking for a home to purchase. We both came to the conclusion there are definite pros and cons for the question. Do we want to be told we can or cannot do this or … (9 comments)
Anyone having a roof issue, due to a hail storm, and ... - 04/23/07 10:13 PM
Anyone having a roof issue, due to a hail storm, and ... your insurance company is fighting you for the repairs or replacement of a roof? Well here we are, doing just that. Fighting for a new roof as we are the only home that is not having it's insurance company back … (18 comments)
Home Inspections, are they what they are "Cracked" up to be? - 04/20/07 08:18 PM
Have you ever thought about the Home Inspections, and are they what they are "Cracked" up to be? Have you ever lost a deal because of an inspection that did not go well with the buyer? Was it over something that could have been overlooked, or easily fixed? I am sure … (15 comments)
Have you ever lost everything you owned? And got it all back? - 04/20/07 05:42 PM
Does your mind ever take you back when you "had it all" and then...it was gone? Have you ever lost everything you owned? And got it all back? I am sure you have all heard of these terrifying experiences from someone you have known, or maybe it was even...you. When devastation … (13 comments)
OK, I am thick headed, stubborn, bull headed, so what! - 04/20/07 05:01 PM
That's right...I am thick headed, stubborn, bull headed, so what? Bad attributes in a person ya think? Especially since I am a Loan Consultant, now we are really thinking this guy has gone off the deep end, right? No way, not so, I will not be labeled in that manor without your … (18 comments)
Almost lost another deal, here is why my client stayed with me! - 04/20/07 04:37 PM
Lending is not as easy as it looks, especially with the stiff competition out here. Talk about dog eat dog. Well today I received a call from my client Mr. John Doe, who I have been working with non stop for several days to clear off credit from his report, that … (5 comments)
Meet my best-est best of friends! My Realtor! Cyndi.. - 04/19/07 09:11 PM
I wrote a post a while back about, having one of those days, you know the ones you never want to do over...well today was one of those days. Now, I want to introduce you to my best friend, Cyndi, who happens to be a Realtor as well. And a very … (4 comments)
An Appraisers take on our foreclosures, mixing it up with the Loan Officer - 04/17/07 05:11 PM
I had the opportunity to talk to an Appraiser today that has been in the business for several years. He and I talked today about the changes that have taken place within our market place. He was very concerned about the foreclosure rate we have here. Without my asking he told … (10 comments)
Blacksburg, Virginia Tech Massacre, prayer is much needed. - 04/16/07 06:49 PM
I cannot understand why this is happening in such a wonderful town of Blacksburg Va. So many innocent wonderful cream of the crop people, dead by a gunman's hand. What will this do to the town now is my question. Will it bring the people closer with the love for their … (16 comments)
What does a Realtor really look for in a Loan Officer? - 04/13/07 10:35 PM
I know every time I am invited to talk to a group of Realtors, I get the same old looks from the audience. Eyes roll around, the snoring might even begin, etc. Now quit laughing, especially if your a Realtor reading this. This is a serious post here. I have come … (45 comments)
Sub Prime lending before and after, now what? - 04/13/07 08:33 PM
Before we knew what Sub Prime lending meant, it was already here. And who was making those loans? We use to call the financial institutions Loan companies. Remember the small offices on just about every main street in every town in the Country had, two or more of them. They would real … (9 comments)
Real Estate statistics, when will we come out of our slump? - 04/11/07 03:38 PM
Here in the mid west we are in a Real Estate Market Slump. Home prices have never been lower, which as we all know is good for the buyer, but not so good for the seller. So when is things going to turn around for us here? We all have predictions … (9 comments)
Does anyone remember this post, It's a wonderful life ? - 04/09/07 09:08 PM
I know, your thinking "sure I remember it, I think?" I often wonder what makes a good blog post, and just a mediocre post? In almost all my writings I try and be positive, upbeat, and realistic. Life has much to offer and share with others, as I also try and … (6 comments)
So does a Good Faith Estimate sell the loan or hurt you as a Lender? - 04/09/07 07:13 PM
We as Lenders always wonder, "should I sharpen the pencil a little sharper on this loan?" I use to do just that when I was intimidated by a client who told me what he would or would not pay, in fees on a loan transaction. I found out real soon in … (17 comments)
Are there benefits in buying a repossessed home? - 04/08/07 10:49 PM
I have noticed in our market place there are so many buyers asking about the repossessed homes, and are there any real benefits that come with purchasing a home owned by the Bank becomes the typical question. As a lender I cannot stress enough to my buyer to make sure a … (26 comments)
Will we ever forget? The few, the proud, the Marines? - 04/06/07 03:30 PM
What does this saying have to do with selling real estate, lending money, or just plain blogging? Well, it has everything to do with it! Especially if you were lucky enough to have been a Marine. The discipline that is instilled, drilled, set in clay within your brain housing group is … (17 comments)
It's Easter, it's time for prayer for peace, and for our troops and families. - 04/05/07 06:19 PM
I cannot help but place a post concerning this time of season we all take seriously, in so many forms of worship during Easter. I reflect back on the past year. I see we are still losing so many of our loved ones who have fallen in battle. Most of them, … (13 comments)
When is it time to stop playing the game with your borrower, who is playing you? - 04/05/07 05:57 PM
So when do you say enough is enough to your borrower who is bouncing back and forth from lender to lender for the best rate? I had been working with a borrower who said he was looking for a fixed rate product, and low fees. I have always quoted the best … (5 comments)
Meeting people, in a strange way, but worth it. - 04/04/07 07:58 PM
Today I did something a little different, even a little strange I guess, but it was worth it. I was doing my usual game plan as to how I could meet with new Realtor's and obtain a business relationship with to gain their trust. I really had not planned on meeting … (14 comments)
V.A. Loans, are they as great as they seem to be? - 04/03/07 05:16 PM
I could finish this post real quick by giving you the straight answer of...YES! The Veterans Administration has been around for years, and has offered our G.I.'s a home loan for a good reason, the benefits that come with the loan to help that Veteran obtain a home after or even … (14 comments)
Ever had one of "those days" ? - 04/03/07 03:49 PM
Have you ever...had one of those days when you just don't get it? I have been working on a client who is purchasing a Mobile home on its own land. Tough deal but workable if all is done right. At time of application the client told me he was not working with … (18 comments)
I love this Flag, here is why...Indiana, my home! - 04/02/07 07:49 PM
Have you ever wondered what your State Flag represents? I mean why was it made to look the way it does? I knew some time ago in grade school we must have gone over this subject, but you know, at fifty five years of age, I still do not remember ever … (2 comments)
Credit Scores, and what to do if you just don't have one? - 04/02/07 07:02 PM
If your a person who just does not have any credit on your credit report, and would like to buy a home...I want to talk to you! Here is a suggestion that might just make you a home owner. The program is called FHA. It is a loan that is insured … (4 comments)
Should the buyer choose a fixed rate, or an adjustable rate mortgage? - 04/02/07 06:49 PM
This is a question I know your buyers are asking the Real Estate Professionals, that's right, you Realtor's! Sometimes it is hard to answer that question. However if you have a friend in the Lending industry, you could just call and ask ..lets just call the lender, Lender Bob for now, (catchie … (6 comments)
Interest Rates are still Great! It is time to buy or refi now. - 04/02/07 06:27 PM
Interest Rates are still Great! I have been keeping in touch with our lenders regarding interest rates and what is happening. So far the rates are holding firm and a conventional rate can be obtained in the low 6% range without buying the rate down. Some lenders are starting to talk … (1 comments)
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Legalism, here you go Steve Dalton, your challenge has been accepted! A few weeks back our friend Steve Dalton here on Active Rain had challenged my wife Cynthia and I to show ourselves in all the places we both write about here in our community in Indianapolis. So, here you are Steve … (6 comments)
