Where is our market heading ????? - 10/31/07 10:51 PM
Hello Folks,
This article is about the website http://ml-implode.com/. As many people know, this is the website which keeps track of lenders which have been going out of business since December 2006 (almost 1 year). back on August 28, 2007 I wrote a blog about the number of lenders who had gone out … (5 comments)
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Halloween....How was your night? - 10/31/07 09:44 PM
Hello folks, We had a productive evening giving out candy to all the trick-r-treaters. I did a little "tricking" myself. This was the second Halloween in this home/neighborhood and it amazes me at the number of kids going around door to door. I have not seen this many trick-r-treaters since I … (3 comments)
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Kids will say the funniest things... - 10/31/07 09:25 PM
Few years back I was previously married to another lady. With that marriage came two step-daughters who were 6 & 9. The youngest one was always saying funny stuff. A few months after we got married, the youngest one decided that she wanted to join the Girl Scouts. At one of … (2 comments)
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Another Grandpa story - 10/30/07 10:03 PM
Back in 1992, a year before my grandfather passed away, I received a phone call from him around 7:30pm one evening. My grandfather was calling to ask my assistance. He had evidently gotten 2 flat tires earlier in the evening and needed for me to pick him up in the morning … (2 comments)
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My last memory of Papa - 10/30/07 09:40 PM
My last memory of my grandfather before he had his stroke involved he & I visiting an office supply store. It was in the early 1993 and I was spending the day with him moving an old file cabinet which he no longer needed from his home to mine. On the … (3 comments)
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Florida Insurance Rates - 10/30/07 09:03 PM
Hello Folks,
This post goes out to those members in Florida and any consumers who have real estate in the State of Florida. As we all know the cost for hazard Insurance in our state has gone up considerably in the past few years. I see this first hand because we generally … (1 comments)
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Ever been to Sanibel Island - 10/30/07 08:33 PM
Sanibel Island is off the coast of Lee County Florida (Ft. Myers). It is definitely one of the many Jewels of Florida. This island is known world wide and the shelling capital of the world. You can walk for miles on the beaches, watching the dolphins play in the gulf, see … (1 comments)
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Holy Cow ...... They found WHAT in the hole-in-the-wall???? Updated Pic - 10/29/07 09:07 PM
Good evening folks,
I know this newpaper article doesn't have much to do with realtors or mortgage brokers but I thought this was simply amazing. Can you imagine if this home had been sold and you found all of these coins inside one of the walls. I would have thought I died … (4 comments)
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The newest exotic species to Florida - 10/29/07 08:35 PM
Another Exotic Invasive species has been found in Florida. The Red Lion Fish which originate in the South Pacific can now be found in waters around Florida. These fish were first spotted occasionally in areas on the east coast but recently has been spotted in the Gulf. The most recent spotting … (2 comments)
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Lover's Key State Park, Florida - 10/29/07 08:05 PM
Lover's Key State park is one of Florida's most visited park in the entire state. Lover's Key is located in Lee County, Florida and is one of the many barrier islands along the Gulf coast. Lover's key is a wonderful place to go in order to enjoy what Mother Nature has … (2 comments)
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My Landlording experiences ...Part V...the last installment - 10/28/07 10:43 AM
Hello folks,
This is my last installment (Part V) about my experiences as a landlord. This particular installment has to do with prostitutes. Take my word for it; the prostitutes whom you see on TV are nothing like the real thing. They don't dress seductively, they rarely are attractive, and they aren't very … (1 comments)
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My Landlording experiences ....Part IV - 10/28/07 10:41 AM
Sooooo ...... You say you want to get into Rental Properties as an investment. You best be prepared. Although I experienced many unusual things while owning rental property, I will still say that buying and owning Investment property is the best investment anyone can make.
Here is Part IV:
If you own an apartment … (0 comments)
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My Landlording experiences .... Part III - 10/28/07 10:38 AM
Hello Folks,
My experiences as a Landlord
Part III:
This post was inspired by Randy "Lazarus" McAtee who wrote a blog about his Landlord experiences on 10-24-2007. After reading his article, I thought to myself, and thought that I could probably write a book on my experiences. Maybe even two or three books. Anyway, … (0 comments)
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My landlording experiences ...Part II - 10/28/07 09:35 AM
Hello Folks,
Experiences in being a Landlord
Part II
This post was inspired by Randy "Lazarus" McAtee who wrote a blog about his Landlord experiences on 10-24-2007. After reading his article, I thought to myself, and thought that I could probably write a book on my experiences. Maybe even two or three books. Anyway, … (2 comments)
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Landlord experiences ... Part I - 10/28/07 09:32 AM
Hello Folks,
This is a 5 part series of my past rental experiences:
Part I:
This post was inspired by Randy "Lazarus" McAtee who wrote a blog about his Landlord experiences on 10-24-2007. After reading his article, I thought to myself, and thought that I could probably write a book on my experiences. Maybe … (2 comments)
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Grow Houses are becoming an Epidemic ..... - 10/28/07 04:36 AM
Thinking of investing in rental property in Florida? Are you aware that Florida is experiencing an epidemic when it comes to rental houses? No, I'm not talking about an abundance of vacant properties available for rent, although this may be an epidemic also. What I'm referring to is the epidemic of … (1 comments)
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Ahhhh, a beautiful day in PARADISE !!!! - 10/26/07 10:46 AM
Hello Folks,
It is an absolutely beautiful day in Paradise. We had a nice cool night last night down into the mid 60s and it is currently partly cloudy and 77 degrees. Yesterday was a nice day but cloudy most of the day, but today is gorgeous. A slight breeze, cool air, … (1 comments)
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Do you have a website???? - 10/24/07 07:37 PM
Hello folks,
Do you have a personal web site for your business? If NOT, WHY not? ........ Too expensive, not worth it, don't have the time to put one together? Don't know were to get started? Let me tell you my experience..... I've been in the mortgage business for a number of years, … (4 comments)
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Lease Option Purchases - 10/23/07 04:09 PM
Hello folks,
Another member of ActiveRain had a post this morning about Lease option Purchases and after reading her question I thought it would be good to highlight what is important from a lenders perspective on Lease option Deals.
To start off many lender will finance a lease option Purchase, actually refereed to … (1 comments)
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Do you pay attention to your credit scores? - 10/23/07 04:03 PM
Hello,
As everyone knows, the better your credit score ... the lower the interest rate you will get. Well, that's still accurate, but there is more to it in todays market. Ever since I got into the mortgage business a few years ago I've tried to educate people on improving their credit scores, but in the … (0 comments)
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Why waste your time having a buyer get pre-qualified for financing??? - 10/23/07 11:23 AM
Let me start off by saying that getting a Pre-Qualification or a Pre-Approval letter from a mortgage person in today's market does NOT guarantee you that the loan will make it to a closing or funding, regardless of how knowledgeable their mortgage person may be. Nobody can guarantee a closing in … (4 comments)
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Investing in Real Estate - Part II - 10/22/07 09:30 PM
Real Estate Investing
Investing in real estate is one of the best investments anyone can make, provided they do it for the right reasons. Unless you are able to buy a property for a very low amount in relation to its true value, then you need to be planning on owning … (1 comments)
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Why Government need to stay out of mortgage regulation ... - 10/22/07 08:01 PM
Hello Folks,
This article was brought to mind by a post in which Ulises Romo just wrote
http://activerain.com/blogsview/246709/A-New-Anti-Predatory
In Ulises article he brings up potential legislation in congress to help regulate the mortgage business. Please read his article to see what I am writing about.
Anyway, I personally am for requiring all Mortgage Professionals … (1 comments)
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Have you thought about buying a rental property ????? - 10/22/07 07:29 PM
Tips for being more successful in property management & real estate investing:
In years past I use to invest in real estate. I practiced two forms of real estate investing. One was to buy and flip. The other was to buy, rent, and hold for a few years. Both of these had … (1 comments)
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Luxury Home Expert - 10/21/07 08:18 PM
Hello Folks,
Hope everyone has had a enjoyable and productive weekend. I would like to introduce a recent addition to our staff. Please see below on our Luxury Home Expert. Our company is set up to provide Specialized financing with only experienced Licensed Mortgage Brokers who excel in their specialty.
The Mortgage Professionals-- … (0 comments)
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Mortgage Broker compensation, how do we get paid ??? - 10/21/07 09:32 AM
I get asked quite often by clients "How do you get paid?", and this is a very relevant question. I typically explain to my clients how Mortgage People get paid in the process so that they can make an educated decision about their own financing and the costs to getting financed. … (4 comments)
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Financing Frustrations .... again - 10/21/07 09:17 AM
Hello Folks,
I was inspired to write this post by Bryant Tutas and his post,
http://activerain.com/blogsview/244333/We-ain-t-lendin
This past Friday we received a response back from the underwriter of a very reputable lender on a Fannie Mae loan we had submitted earlier in the week. Our borrowers are buying a house, they are not first … (3 comments)
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Sunday morning - 10/21/07 09:11 AM
Good morning folks,
today has started off as a beautiful day here in Southwest Florida. I had to get up early to drop my wife off for her continuing education class this morning at 8:30am. We both take a lot of continuing education classes to increase our knowledge of the mortgage business. … (3 comments)
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What is your credit profile like? - 10/16/07 11:48 PM
Hello,
As everyone knows, the better ones credit score ... the lower the interest rate they will get. Well, that's still accurate, but there is more to it in todays market. Ever since I got into the mortgage business a few years ago I've tried to educate people on improving their credit scores, but … (1 comments)
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Jake the Snake - 10/16/07 08:44 PM
This is a story about Jake. Jake is 7 years old, but has has been part of our family for almost two years. Jake was basically left with us a couple years ago by our son's best friend, Vlad. Vlad has been going to college for the past couple of years and … (2 comments)
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Dog House Financing Specialist - 10/16/07 07:42 PM
Hello Folks,
This is Mozart. He is our 18 month old Maltese puppy. Yea, he isn't really a "puppy" any more but he still act like it. I believe he is part Energizer Bunny. He has a one track mind...Play, play, play .....he just wants to keep going, and going, and going. … (1 comments)
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Naples Pier - 10/16/07 06:42 PM
Have you ever been to Naples, Florida? If you have then most likely you visited the Naples Pier.
The pier was originally built in 1888 as a passenger and freight doc. Two men, who are also considered the founders of Naples, a businessman from Louisville, Kentucky Walter N. Haldeman who was … (0 comments)
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Floridians --Want cheap Hazard Insurance? Please read...... - 10/16/07 04:41 PM
Hello Folks,
This post goes out to those members in Florida and any consumers who have real estate in the State of Florida. As we all know the cost for hazard Insurance in our state has gone up considerably in the past few years. I see this first hand because we generally … (3 comments)
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How are your customers being pre-qualified ???? - 10/16/07 04:37 PM
When ever we meet new clients who are wanting to get Pre-Qualified for a financing a home, we always look at the whole picture. Now, most people would be saying ...Dahhhh, that's the whole point. But let me explain my definition of the "whole picture".
Most lenders allow client to have a … (6 comments)
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Great Hazard insurance rates for Florida - 10/15/07 12:23 PM
Hello Folks,
This post goes out to those members in Florida and any consumers who have real estate in the State of Florida. As we all know the cost for hazard Insurance in our state has gone up considerably in the past few years. I see this first hand because we generally … (1 comments)
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Calm down there Jack, No reason to get your pumpkin in an uproar... - 10/14/07 08:07 PM
Ok, Halloween is quickly approaching and just when I thought it was safe to go outside my house. I receive this picture. Absolutely the craziest pumpkin carving that I've ever seen. I'm sure this will definitely scare away the kids from this home and safe the candy for the family. Whoever … (3 comments)
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Beat That !!!! ..... Well, I couldn't. - 10/14/07 07:54 PM
Part II about my Favorite Sister:If you would like to see part 1, please referrence by blog (I don't know how to make an attachment to it.)
My favorite sister is Kristin. Even if I had another sister, Kristin would still be my favorite. Kristin is the happiest person that I've … (0 comments)
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The Fish House.... - 10/14/07 06:47 PM
If you read my last post about 'Doc's Beach House" you will also want to check out this restaurant in the same area.
The Fish House is another awesome restaurant. They have two locations, one on Bonita Beach Road and the other on Fort Myers Beach (south end). If you read my last … (0 comments)
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Doc's Beach House - 10/14/07 06:16 PM
Have you ever been to Lee or Collier County Florida? Maybe I should ask, have you ever been to Fort Myers, Naples, or Bonita Springs Florida? If you have or if you know you will be here in the future....you definitely want to check out "Doc's Beach House". Doc's is located … (2 comments)
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Almost time to turn off the Air Conditioning...... - 10/14/07 04:08 PM
The changing seasons, my favorite time of year. Many people boast about enjoying the change in the seasons. Some people like winter, some people like spring, some summer and others fall. I personally prefer winter,but where we live it is nice all year. People comment that it is too HOT in … (3 comments)
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No License Required ....... - 10/14/07 01:34 PM
Few years back when I was getting into the mortgage business I was surprised to learn that I did NOT need my individual mortgage license. I had been to a few interviews that required me to have get my license shortly after they would hire me, but then I had my first interview … (4 comments)
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$20,000,000.00+ Financing programs - 10/14/07 11:42 AM
… (0 comments)
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There's the Fuzz ..... - 10/14/07 11:28 AM
Hello Folks,
Kristin is my favorite sister. Even if it wasn't for being my ONLY sister, she would still be my favorite. You see, Kristin, is always happy and up-beat. She has the funniest sence of humor than anyone I've ever met. My sister is 37 years old (don't tell her I … (2 comments)
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Our newest expert - 10/14/07 11:06 AM
Introducing our newest expert. If anyone on AR needs an excellent Construction to Perm Mortgage Broker, please consider giving Maritza a call. We can originate loans in 45 states.
Construction to Perm Financing
Thinking about building your next home? Is the home going to be your primary residence, a vacation home, or an … (2 comments)
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Unbelievable what goes on in the mortgage business - 10/14/07 10:58 AM
We've been doing mortgages for a few years and in that time have come across MANY unbelievable situations that our clients have told us about. It still amazes me what other "mortgage professionals" try to get away with or have gotten away with when it comes to lending. Here are a … (5 comments)
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Current Market conditions - 10/09/07 05:34 PM
Hello Folks,
I thought that I would share a little insight that I am seeing in the Mortgage Market and I believe it is actually POSITIVE. The past few weeks I've seen a lot of settlement in the volatility. What am I noticing:
The volume of lenders going out of business as dropped … (0 comments)
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floridas Exotic Invasive species problem ...... - 10/07/07 06:08 PM
Exotic species have been invading Florida for many years, but now they are starting to catch up with us. The Burmese Python is expanding their range considerably. In the pictures below is a baby Python found in the Everglades. The second picture is one of Florida's finest holding the tail end … (3 comments)
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New Invasive Exotic Species in Florida - 10/07/07 05:51 PM
Another Exotic Invasive species has been found in Florida. The Red Lion Fish which originate in the South Pacific can now be found in waters around Florida. These fish were first spotted occasionally in areas on the east coast but recently has been spotted in the Gulf. The most recent spotting … (0 comments)
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The Coconut Palm - 10/07/07 05:31 PM
I bet many of you were not aware that the Coconut Palm was not originally an American Tree. These palms originated in the South Pacific and eventually spread around the world. Fossil records show evidence of these palms being around 15 million years ago. Only two states in the United States … (1 comments)
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The Mortgage Professionals - 10/07/07 05:15 PM
The Mortgage Professionals--Domestic & International Mortgage Solutions--
Please visit our websitewww.TheMortgageProfessionals.biz
Our goal in developing The Mortgage Professionals was to provide specialist in the Lending Industry. We are not your "run of the mill" mortgage company, we have hired only the best in the industry to satisfy your financing needs. Besides providing normal financing for … (2 comments)
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International Construction to Perm - 10/07/07 11:56 AM
… (0 comments)
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International Financing - 10/07/07 11:36 AM
… (4 comments)
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Back yard Birds of Prey -- Florida Style - 10/07/07 11:28 AM
Everyone in the United States is familiar with the Bald Eagle, at least i hope they are. We occasionally get the pleasure of seeing these from out back Lania. Flying in the sky, skimming across the top of the lake in the back yard or resting in one of the tall … (4 comments)
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Back yard waterbirds of Florida - 10/07/07 11:10 AM
One of the huge benefits of living in Florida is the diversity of wildlife. We are lucky enough to have a very nice home which its on a 10 to 15 acre lake and the wildlife it attracts is simply beautiful. There isn't a day that goes by that we don't … (0 comments)
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Our newest team member to The Mortgage Professionals - 10/07/07 09:26 AM
… (2 comments)
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Hybrid Option Arms - The Specifics - 10/07/07 08:59 AM
Hybrid Option Arms are a variation of the traditional Option Arm. These loans came about back in mid summer 2006 and are a much safer loan for the borrower. You can get these for Purchases up to 95%LTV (Full Doc) or the borrower can refinance their home into them as either … (2 comments)
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Option Arm Loans - The Specifics - 10/07/07 08:56 AM
In the past 12 to 18 months many lender have cancelled their "Pick-a-Pay" loans and many have brought them back. These loans are good for some borrowers and not good for others. It really depends on the long term goals of the borrower. Regardless of good or bad qualities on these … (1 comments)
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The Mortgage Professionals ... Who we are, what we do !!! - 10/07/07 08:52 AM
The Mortgage Professionals--Domestic & International Mortgage Solutions--
Please visit our websitewww.TheMortgageProfessionals.biz
Our goal in developing The Mortgage Professionals was to provide specialist in the Lending Industry. We are not your "run of the mill" mortgage company, we have hired only the best in the industry to satisfy your financing needs. Besides providing normal financing for … (0 comments)
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Sevierville, Tennessee ..... Grand Opening weekend - 10/05/07 08:03 PM
This post goes out to all the Realtors in the Sevierville, Tennessee area and to those people of the public which are in the market for a new home. Ellis Villageis a new development on Boyds Creek road outside Sevierville. The development consist of 30 home-sites which currently has 5 spec … (0 comments)
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Developer financing - 10/04/07 09:54 PM
I wanted to share one area of our specialized financing which we provide. I started The Mortgage Professionals with the intension of providing Specialized Financing. Financing programs which the average Mortgage Broker can not or does not know how to handle. One segment of our company, Developer Financing, has been getting … (0 comments)
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Ellis Village, Sevierville, Tennessee - 10/02/07 08:53 PM
Hello Folks,
This Thursday is the GRAND OPENING for Ellis Village which is a new residential development of single family residences located between Knoxville and Sevierville, Tennessee. If you have a client interested in a new home or wants to build their own home then Ellis Village is the place for them. We have … (3 comments)
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