The Preferred Oregon Loan Consultant View & Blog by Sarah

Studio One Dance Academy Celebrates 15 Years!!

Thu, 15 Oct 2009 13:31:46 -0500

I would like to congratulate Diana Redding of Studio One on her success in this month's Featured Business. Diana's motto for her studio is, "We love to dance...and it shows!" As a family who has been involved with this studio, I can attest that Diana and each of the staff members holds this as a core value.

This Saturday, October 17th, Studio One is hosting a Celebration of their 15 years as a community business. Between 1 and 4 PM, they are asking all dancers (past, present, and future) to stop by and visit. There will be special guest performances, refreshments, friends, and lots of fun.

This Studio boasts award winning performing teams, classes for adults, toddler combo classes, tumbling, ballroom dancing, and so much more. As a positive place to give confidence to youth and adults alike, I hope that you will take the time to check it out.

Studio One Dance Academy is located at 7915 SE Lake Road, Milwaukie, OR 97267. We would love to see you there!

Sarah Eubanks is an optimistic and experienced Mortgage Specialist. For both your Residential and Commercial Mortgage needs, she is who you want to handle your purchase or refinance. Phone Sarah today at 503.442.1349.

Living The Dream

Tue, 19 May 2009 12:17:44 -0500

Inspired by Inna Hardison's tribute to her son, I wanted to share with you about living the dream.

I am the blessed and (usually) fortunate mom of an almost ten year old competitive, testosterone prone, sports minded boy, Derek. He, along with my daughter, are a dream come true for me. While I have many dreams in my life, one of them was (and is) very basic. Having a family and being a mom.

Derek's dream, his #1 hope and aspiration, is to play baseball. He will play for the Oregon State Beavers while he earns his degree, and then for the New York Yankees (if you are not a Yankee fan...you will be when Derek joins their ranks). While this may seem far fetched given that tons of boys dream of playing in the major leagues, I can tell you this. If anyone is able to do this and achieve this dream...it is most assuredly my sweet little man. His dream has become my dream too.

While his Dad and I could tenderly point him in a different direction, telling him that it is just too hard. We do not. We want no part in killing a dream. Especially not our children's dreams. Beyond that, though, we believe that God gives us dreams for a reason. So, we look forward, fully expecting to be sitting there for his first Major League game. We have certainly given this little boy advice on how to make that dream a reality, and Derek has taken that and made it all his own. These characteristics are how we see the winner inside of him.

His Faith ~ Derek believes that God has a good plan for his life and that it will include baseball. As a left handed pitcher, he has God given traits that automatically give him some sort of advantage when pitching. He also knows that he can do all things through Christ who strengthens him. When he is feeling frustrated or discouraged, Derek prays and asks God for strength.
His Coaches ~ In the off season, Derek saw a private coach to get ready for the baseball draft in March. He wanted to be on the top level team with the best coaches so he could try to learn from them. His private coach has mentioned on many occasions that Derek will succeed because at nine years old, he listens to the instruction, retains, it, and uses it to make himself a better play. He did, by the way, make the federal team out of the 100+ who tried for it.)
His Work Ethic ~ Even after a successful game, he asks those who he trusts what he could have done better to help his team. He is always striving to do better. Always holding the ball with different grips. Often swinging his bat to strengthen his arm. Even in his free time, he chooses baseball activities because he loves the game.
His Support ~ Having friends and family around who love him, cheer him on, encourage him, and support him has been paramount to his successes so far. He always says how much he loves it when people come and watch him. He knows that he could not do this on his own. And as a result, he gives credit where credit is due.
His Character ~ People want to be around Derek. His teammates and his coaches enjoy having him on the team. After every practice, after every game, he thanks his coaches for volunteering their time. He finds the successes in his teammates for that game and encourages them. Derek is just the kind of person whose character inspires others.

So how does this apply to living your dream in this business and industry? I would say go ahead and take the wisdom of a nine year old. Use his traits and live your dream. I will be using them in my life and in my business. It will not happen overnight. Go all nine innings and even more if you need to in order to win.

Speaking of business, if you need help with your residential or commercial mortgage, please phone me at 503.442.1349. Just realize that if I do not answer your call, I am likely at a ball park cheering on my favorite superstar who is living his dream. I will phone you back as soon as I can. While you are waiting..take some time...take the steps...and live your dream too.

I'm Back and ready for More...

Mon, 11 May 2009 16:10:04 -0500

Hello to all of my Active Rain friends!

I have been away for a little while recently. While you may wonder what has been going on with me, I can and will answer those questions for you in this post. Not to fear, there is nothing that was wrong. To the contrary, my business has been exceeding my expectations for this time. I am so blessed!

I have missed being in the Rain, but was busy with my business. Busy with my family. Busy with fighting Clackamas County to get permits to build.

My daughter, Breana, actually prompted me to get back to Active Rain. The astute 11 year old that she is, she asked me the other day, "Mommy...why are you not spending time on Active Rain anymore?". I explained to her in all of my wisdom that Mommy is busy. I have not had time to be writing posts and that the fact that loans were funding and closing was all I had time for in the midst pf parenthood, building a home, and volunteering in our community. You know, the usual, "there are so many hours in the day".

While that basically ended the conversation, it did get me to thinking. Where has the bulk of my business been coming from? It all can be traced back to one place. You guessed it, Active Rain. The networking opportunity that this provides is intangible. Track with me for a moment. In the past 12 months, I have...

Closed 3 loans from AR Realtors who contacted me to help in a purchase transaction.
Learned how to use Facebook and Twitter to obtain leads. This has obtained 4 new clients for me. It has also afforded me an opportunity to stay in touch with past clients.
I found about ZMM and have had many, many loans close as a result of submitting quotes. Further, I have earned countless referrals from my Zillow clients.

This website has been a blessing to my business, and I need to continue to nurture that. For those of you who have bailed because you are busy, join me in reasserting a presence here in the Rain. It may not be as often as it used to be. And that is okay. For those of you who I have been out of contact with, I look forward to reestablishing our friendship. Thanks to Breana, I am back, and I am ready for more....

Listen Up Oregon

Thu, 09 Oct 2008 22:00:00 -0500

Get out the Vote, Rock the Vote. I do not particularly care how you vote. Just vote. In this critical time of American history in the making, we need to hear the voice of Oregonians. We need to be a part of both the national and local landscape. Do you really want to be the one vote that looses a measure you care about? Do you want to be one of a few that do not elect the individual to office that you would prefer? Your vote does make a difference. Is it a cliche'? You had better believe that it is. But it makes does not make it any less true.

As a service to all who have been complacent in the past, I have compiled a few resources for you. Go and check them out and get yourself registered to vote. We are coming down to the last few days and you need to be proactive and register. I am making it very simple for you. To borrow a phrase from Phil Knight and Nike, "Just Do It".

In Oregon, our last day to register to vote is on this coming Tuesday, the 14th of October. So read on, visit the links should you need to (or want to), and then VOTE!!

Clicking here will take you to an official Oregon Secretary of State Elections Division page. On this page you can input your information and find out if you are on target to receive an election ballot later this month. As of this evening when I checked my personal information, it had been updated through today.
If you are not registered, visiting this Secretary of State site will allow you to register to vote online. It does not get much easier than that. If you can find your way to this post, I am quite certain that you can register withthis method. It will also provide you with information on Oregon's Vote By Mail, Election Guidelines, and other relevant information. It is a good resource to use.
Finally, this page will get you the information on your particular county. Should you have any questions, comments, or concerns, you can contact your local county official. It will provide you with the contact name as well as methods to get in touch with your local clerk.

Again, this is a crucial time in our history. Whether you are passionate about politics or "just" concerned about the economy. You need to participate. Encourage others to do the same.

As I vote, I will be watching, reading, and writing. :-)

Today's News You May Not Be Hearing

Wed, 08 Oct 2008 09:54:36 -0500

In today's economic turmoil and heated political scene, we rarely hear news that is uplifting or encouraging. This morning - today - is not any different. I wanted to share with you a glimmer of hope which I found on the MSNBC website today.

While researching the emergency rate cut enacted by the fed this morning, I stumbled across this article claiming, "Breaking News" , but oddly I have not seen anything about it on the big three networks. So...are you ready for the good news...the hope?

August's Existing Home Sales had a very solid increase in the month of August. While the expectation was for another decline of 1.8%, the buyers started buying. Not only were the economists wrong in their expectation of a decrease, they were blown out of the water with an increase of 7.4%. The article, as brief as it is, goes on to tell you that the reading is the highest since June of 2007 and 8.8% higher than one year before.

While I am not espousing that the hard times are over, I do think that we need to spread the news. I believe that the media is largely responsible for the mess we are in now. Sure, government has played it's roll in the demise. But the media are the ones who fuel the fear of the masses. If we can get out and encourage buyers, sellers, and borrowers that now is a great time to buy, we can help to stimulate the economy. We can make ourselves part of the media. We have voices too. And Active Rain has established itself as a major influence in the world of Real Estate both nationally and locally.

Go spread the good news. The hope. As I do what I can to join the fight, I will be watching, reading, and writing (finally).

My Top Ten ~ Reasons I love Today

Wed, 23 Apr 2008 15:01:24 -0500

MY LITTLE GIRL ~ MY LOVE

Today, I celebrate one of my favorite days of the year! My little girl...Breana, turns ten years old. In honor of this little miracle's birthday, I want to celebrate her first decade of life. What better way to do that than by sharing a bit of her life and personality with all of you. I am so blessed to not only know her but have her as my daughter, and the following are just a few reasons why this is true!

So without further ado and in no particular order, here are my top ten reasons that I celebrate Breana Renee Eubanks...

Her heart. Breana is full of compassion. When an ambulance passes us she prays that the family will feel at peace in the midst of whatever chaotic and scary thing is going on. She prays that the doctors will be wise, and that the ambulance gets to it's location safely. If yu ever pass us in an ambulance, you are totally covered with the love of a little girl...a stranger. A stranger with a ginormous heart!
Her smile. Breana has a smile which warms the heart of even the grumpiest types. We are regulars at this one restaurant. No one could get a particular server to smile. He always seemed bitter and angry. One evening at dinner, Breana cracked a smile and his face shone for the first time in the two years that we had known him. Since then, he smiles and laughs with us everytime we see him.
Her energy. Okay, okay...sometimes, I wish she were not so energetic. But on the days where I need some energy, she shares it with me. When you are around Breana you just cannot help but feel enthusiastic for life. She bubbles over with life and it is always exciting!
Her attitude. While many children have learned to make excuses, Breana has learned a "can do" attitude. No matter the challenge, she meets it with grace and determination. In this, her first year playing softball, she is pitching. When she decided that she wanted to try pitching, she committed herself to helping her team by being the best pitcher she could be. Never have I heard her say, "I can't" when she is coached to do something differently. She gets in there, pushing up her Roxy sweatshirt sleeves and does it.
Her generosity. Breana gives. There is no more to say than that. She gives of her time, her energy, her money, and most importantly, herself. Most of the things she does have been done to encourage someone else.
Her strength. When we named Breana, we did not know initially that her name meant "Strong". But once we had decided on the name, I looked up it's meaning. I was glad for the meaning as I wanted a leader. I wanted for my daughter to be strong and know who she was/is. She is as strong as they come, and at the same time, soft and delicate. She is going to grow up to be an amazing woman. I feel privileged that I get to be by her and watch what God has planned for her life.
Her creativity. While this may seem silly to some, it is truly one thing I love about Breana. She is an individual and she knows what she likes. She beats to her own drummer, and her style demonstrates this truth. Breana has impeccable style in everything she does.
Her work ethic. Breana entered grade four this year with a drastic change in expectations. At the beginning, she was truly unaware of what it would take to earn her customary grades. As we went about the process of working to achieve her goals, she chose to skip certain events in order to excel at something which mattered to her. She is going to go far in life with an attitude like that.
Her decency. Breana has a great grasp on what really matters in life. She cares about the homeless. When we ran by them this March for the Shamrock Run, her heart was scared for the individuals she saw. She has a sense of fairness. She knows inherently what is right and what is wrong. She lives out her life with mercy and with grace.
Her life. Breana is a miracle. With the cord wrapped around her neck twice, her birth was tumultuous. Tens of hours after labor Breana entered this world. Within moments of her birth, my health was in danger. She has helped me fight and never give up even since that time. When times are rough, I remember that God had (has) a purpose for her life. And that I am a part of what will help to get her where she needs to be.

Yes...many of these aspects seem too "big" for a ten year old child. But, in a way, she has always been a bit wiser than her years. It is, in part, why I have called her my "Munchkin" from the time she was born. I am so very proud of her life so far, and yet I look to the future and know that her life will be even so much more.

Celebrate today. Find whatever you can to find your top ten reasons why you love today. I did not have to look very hard. Hopefully you won't either. Happy 10th Birthday, Breana! For the record, "I love you more, most, forever and ever and always!"

So You Wanna Buy a Mortgage??

Wed, 16 Apr 2008 07:47:21 -0500

Here I am, as busy as I have ever been, thinking and pondering all things mortgage related. I have been having epiphany after epiphany related to my industry ~ my business. I could not help but share this one with all of you.

Recently, one of my great realizations is that our clients are buying a good and a service from us. You, the clients, are choosing which "store" you want to shop at to get a great interest rate. But really, there is so much more than the rate involved.

When we are shopping for shoes or for a new computer, price is definitely a factor. Yet it is not the only factor. So it is with buying a new automobile. We can buy the less expensive Ford or the more pricey Lincoln. What is the difference between shopping at Nordstrom or at Walmart? Unmatched customer service and a great cost per use can be found at Nordstrom. Walmart will feature the quick sell and relatively disposable version of similar products.

Thinking of it in that way, let me be the first to say...shopping with me is equivalent to shopping at Nordstrom. Using my services, you will feel like you are in luxury vehicle ~ a Lincoln Navigator or something even nicer.

I know somewhere you can go to buy a bargain. But, if you are willing to buy great customer service and a great product, come shop with me.

So you wanna buy a mortgage?? Most of us just won't look for the cheapest thing we can find when it come to important issues...something that really matters. Our wedding dresses need to beautiful. Spare no expense, right? The car we drive, the house we buy, the shoes we wear...the list goes on.

So why are people out to find the "cheapest" mortgage? The economy is tight...why should I pay someone to do this? It makes a difference to my bottom line. Guess what...step in close so I can tell you and you can hear. Your gas guzzling car makes a difference to your bottom line, too. You still drive it.

Why? I will tell you why. It makes you feel safe. It makes you comfortable. It will get you through all sorts of weather. So do I and so will I. That is the reason I deserve to be paid. That is the reason that you will not likely find the "cheapest" rate with me.

Let's get one thing clear. I do not rip clients off at all. I am worth my time and my efforts, though. My philosophy when I entered this business is that getting one loan and making .5% was better than nothing. No longer do I feel that way. Even if I were to have a month with no closed transactions, I would not believe that anymore. I am worth what I charge, and quite frankly even more than you can pay me.

So,,,you wanna buy a mortgage? Come get great customer service. Come on over to Nordstrom where you will be treated with respect and integrity. Just as your shoes from Nordstrom will last forever (as long as the style does), so will your loan. Are you willing to pay for the brand name mortgage? Set yourself up with me, a local luxury Mortgage Professional.

So, you wanna buy a mortgage?? I can be reached at 503.442.1349 or sarah@hillvalleyfinancial.com. I look forward to serving you. "Thank you for phoning Sarah Eubanks...how can I help you today?"

You are invited to Celebrate -- My AR Successes so far

Tue, 15 Apr 2008 10:00:21 -0500

Put on your party hat...break open that champagne bottle! Today, just a moment ago, actually, I achieved my 50,000 points. Well on my way to catching up with Todd Clark someday...okay, maybe not. But a girl can dream can't she! :-)

As I have hit this milestone, I wanted to share with you what Active Rain has done for me.

I have made great friends and business referrals.
I have been able to send business to appraisers and Realtors who I have met through the Rain.
I have closed on two mortgages thus far as a result of Active Rain
Mike Jones sent me a referral which believe or not, Mike, I am still working on.
The client Mike sent my way gave me a new puppy as a "Thank you!" Her name is Godiva -- "Diva" for short...more to come on her soon...
I have been able to participate with Mortgage Pro Week in Review...twice
I was featured recently from a creative writing contest. I did not "win". But, I did win with new clients. That is always a plus...
I have three transactions at the moment which stemmed in one way or another from this site.
I started a Women in Real Estate group where membership is growing right along with the posts.

And for those of you who know me, you know that I would not want to take without giving back. So...here are a few goals that I have for my presence here with all of these terrific colleagues!

Educate my borrowers in the ways of Mortgages, my occassional creativity combined with Mortgage expertise may inspire more borrowers to become educated.
Encourage those of us in this industry to see the light at the end of the tunnel. Times may be tough for some. But take it from me, not for all. There is plenty of work to go around ~ let's get it done together!
Help newer members to realize the benefit that this site provides to them.
Be more disciplined to moderate the Women's group. Putting current and relevant data which will help and encourage us to continue on towards success both as industry professionals and as consumers.

I have nothing but appreciation for Active Rain. It has done a lot for me both personally and professionally. As I continue to learn, my biggest desire is to still give back.

So, come join my celebration. Bring a glass of wine or bring a cup of tea. Bring a smile or a frown. No matter how you get here, just get here. We will forge ahead together and continue making this a great place to be. Thanks for coming to my party! I cannot wait to come to yours...

:-)

There is a High Pressure...

Mon, 07 Apr 2008 02:12:27 -0500

Good morning, this is Sarah Eubanks reporting to you from Oregon City's very own Hill Valley Financial Services. Today's ~~weather~~ interest rates look to be bright and sunny. However, there is a high pressure wind blowing in from the East threatening to bring rain and an increase in interest rates right along with it!

This is my riddle for the day, and I would love to have your input. How are Mortgage Professionals and Meteorologists alike? While on the surface, they may seem unrelated to you, I have had several thoughts lately which have led me to this admittedly random post.

Just to get us started, let me draw a few comparisons for you. Again, I would love to hear your input, so go ahead and add your insight!

First of all, when the rain/snow/sleet/tornadoes/hurricanes are coming, no one likes to hear what the Meteorologist has to say. Sometimes, they even ignore the forecast for certain disaster. Likewise, we Mortgage Professionals are not well liked when the interest rates are creeping up. When we phone our past Stated income borrowers to warn them of the impending demise of the Stated product...they may not take our warning with sincerity. Conversely...the sun is shining, the interest rates are good...Mortgage pros and Meteorologists alike are our friends.

Number two...Neither professions have the ability to change the forecast. The economy is slumping...the sunny skies are turning to stormy climates. We are as helpless as the next guy. We just wish that people would stop "shooting the messenger". We are doing our jobs and preparing people the best that we know how to.

This leads me to my third conceptual likeness. We cannot forecast perfectly. So, the skies are cloudy and we forecast sun. Or interest rates are up and we had thought they would go down. Uh-oh! No one wants to be wrong...especially us. We are educated, we look at historical facts along with current conditions and we make our best hypothesis for the future of the ~~weather~~ interest rates. The bonds are down, the stock market is soaring. It is the same as the high pressure of clouds or the East Winds bearing down.

Either way, Meteorologist or Mortgage Professional ~ unless it is summer and beautiful, the high pressure is on. It is on us. But you know what? We can handle it. We were and are meant to stand and weather the storms, knowing that the sun is going to come out again someday. And when it does, we will be right there to enjoy it along with everyone else!

This message has been brought to you by Sarah Eubanks and Hill Valley Financial Services. We want to be your Mortgage Specialists for life! So please call 503-442-1349 for a more specific and detailed forecast on your home purchase or refinance!

Prayer & Wisdom

Wed, 02 Apr 2008 12:45:32 -0500

Here I am again. It is a maddening place to be. Nevertheless here I am.

I hate this position. I loathe being out of control. If only I had a magic wand to wave, and some way to help....

I was going about my day today. Driving to an appointment, Thinking about the day and how the sun was shining. The radio even said that it would be 68 degrees on Thursday. Though the thick frost on the windshield did not want to melt, I knew the day would be a good one.

And it was. Until just a brief moment later ~ when my cell phone rang. Caller ID showed the name of a client of mine. Cheerfully, I answered the phone to talk with Susan (name has been changed to protect client identity). When I asked her how she was, how things were, she said to me, "They have been better...."

Which begged the questions, "What's going on and how can I help?" Susan proceeded to inform me that her husband was being deported back to South America. Now before you go getting all crazy about this one way or another, let me explain this particular situation to you.

Mr. Susan has been in the United States for 18 or twenty years. He was granted political asylum by our government. He married Susan and they have since had three beautiful (and still quite young) children. Mr. Susan has been working very hard for several years and has had the legal ability to work here granted by the United States. Now he has been given his marching orders. Because the stability of the country he is returning to is so poor, he will be leaving Susan and their children here while they try to sort things out. While they fight to get him back into the United States.

So, at this point, Susan is trying to figure out how in the world they will afford to keep their house and pay for a decent attorney. They are attempting to learn all of their options with fairly limited financial resources. She phoned me today hoping that I would have an idea. A solution. A plan. I did not and I do not.

So while I pray for wisdom, peace in their family, and financial provision for them. I also ask you to join me. You see every foreclosure has a story. They are not all about the so called mortgage meltdown. They are not all related to the subprime crises. They often occur as life gets in the way of our own plans. Mr. & Mrs. Susan are not in danger of foreclosure yet. They are smart people...and they have saved enough money for a few months worth of bills. Let's just pray that this family is protected physically, financially, and emotionally. And...if you have any ideas on a good course of action or game plan for this family...please do let me know.

Thanks for your time, your thoughts, and your prayers in advance. They are appreciated by me, and by this family of five.

** As per special request, an update ~ Mr. and Mrs. Susan have better spirits. However, there are no solid answers as of yet. Please continue your prayers. If you would like to donate anything, I have started accepting donations for their legal costs regarding immigration. You can mail payments to ~ Sarah Eubanks, 19673 Toni Court, Oregon City, OR 97045. If yu feel like sharing with this family, please include a note to encourage them. remind them that not all Americans are in agreement. Thanks for everyone's compassion and concern. (Updated 04/09/08)

A Tale of the Seven Dwarfs from Snow "Mortgage" White's perspective

Mon, 31 Mar 2008 11:14:18 -0500

While we all know that life is no fairytale, we often proceed through our decisions with the proverbial rose colored glasses. With each less than the best decision that we make, there needs to be one who comes in and handles the messes left behind. Sometimes it is our spouse, sometimes, it is a parent. Other times, it can be a trusted friend.

In the financial world, it has so often been a Mortgage Professional. Whether a loan originator, a mortgage banker, a loan officer, or a mortgage broker, we have all seen our share of disasters. We have all come in to clean up messes, both financial and personal. We also have success stories which surpass all of the disappointments we read about in the paper today. Read on; discover your inner Dwarf!

So I begin my story...as Snow White with my own set of Seven Dwarfs: Sleepy. Dopey, Doc, Grumpy, Bashful, Sneezy, and Happy. They each have their own issues and things we go through to clean their mortgage up. It is my hope that you can learn from their "mistakes" rather than make them on your own. Experience is a tough way to learn a lesson. Learn what you can here...and drop me a line when you are ready to discover what type of Dwarf you are!

Sleepy~ While purchasing or refinancing a home, it is always a good idea to stay awake and alert. Unfortunately, I have seen too many buyers (borrowers) who feel comfortable with their choice of lenders. On occasion, though, once they are comfortable, something happens that turns the sweetest of homeownership dreams into a nightmare. It can be the loan consultant not locking in that great interest rate. It can be that when they get to the closing table their loan all of a sudden has a pre-payment penalty. The borrower has never heard of this before. Nor do they know what to do. There are many things that can be done to stay on track with this transaction. First, pay attention to each signature you provide. Only sign papers which you understand completely and agree with. Many borrowers make the mistake of valuing only the closing documents. Your initial documents, though, are equally important. They can save you money in the end. I would also recommend that you ask your loan consultant to put their services in writing. I recently began providing my clients a "Bill of Rights" which I go over with them and sign. These items are my guarantees to them. Guarantees that I will deliver what I promise in writing. If you would like to see my Bill of Rights, I will gladly provide them to you prior to your making any commitment.

Dopey ~ This borrower is uneducated in the current market. They are also the type of Dwarf who is most commonly taken advantage of. This borrower has decided that mortgages are boring and too hard to understand. So, they take the commercials they have seen, the news they hear at the local ~~village~~ coffee shop, and what their "friends" tell them, as gold. What they should be doing is conducting some sort of research. While it is true that the market is always changing, it is also true that there is a wealth of knowledge out there to understand mortgages in more layman terms. If you yourself have been this type before, do not fear. The simple cure to this is to educate yourself. Go to websites which are not trying to sell you anything. Read books, articles, whatever you can get your hands on. Talk with friends and family who have had "luck" in Real Estate. The truth of the matter is that luck is only as good as your education is. I would recommend the simple, Mortgages for Dummies. You can find some preliminary information here. Go get lucky, read on, and then find a qualified Mortgage Professional (I know one, by the way, should you be in the market for one.)

Doc ~ I am one who loves that my borrowers have done research on the loan process. I adore it when the client has all of their paperwork together and ready to go. I currently have two clients in purchase situations with documentation already in my hand. These clients do not know for sure yet which home they are going to purchase. I will tell you what, though, this client who is already in the lenders system will get locked in with the best interest rate. They bring their "A-game" every time I ask for anything. The only caution which I would have to this type of borrower is to let the Mortgage Professional do their job ~ Occasionally this type of borrower believes they know everything. Remember that the mortgage industry is constantly changing and that a good Mortgage Professional will have more current information and knowledge than you can. For those of you who are this type of borrower...let me know when you are ready for a refinance or purchase...I'd love to have the opportunity to serve you!

Grumpy ~ It's true...most loan consultants do not enjoy this type of borrower. If you do fall under this category, do not fear! Getting the most out of your Mortgage Professional and your home loan is attainable. Some of us love the grumpy borrower. I, for example, realize that what many perceive to e grumpy or negative are actually just cautious individuals. These borrowers are not quick to grant trust to any person with ease. They are "grumpy" because they want their Mortgage Professionals to be honest, hard working, and on their toes. Remember, too, that in the Disney classic, Grumpy was among the most loyal to the Princess. You "grumpy" borrowers are very loyal once you have been served the way that you would like. I would recommend to you that you get referrals for a great Mortgage Professional (let me know...I can get you a few live people to talk with)!

Bashful ~ No need to by shy. Again, a simple solution exists for this type of borrower...for you. I know that the process can be intimidating. I know that it proves overwhelming at times. But, let me encourage you to come out of your corner where you fear what is happening in our national and global economy. Let me tell you with sincerity that what is going on is fixable. You can still get a great mortgage and a great home. You can have a positive experience. In fact, now can be the best time of your life for a home purchase or refinance. Interest rates are lower. Home prices are lower. You will never know what your best move is if you are too fearful -- too bashful to stand up and ask the question. There are homeowners all over the place who are too ashamed of their present situation to call out for help. We can help you -- I can help you. I may not even refinance you. I may help talk with your lender to help you get back on track with your mortgage payments. Do not allow your past to determine your future out of fear. By the way, I will not be bashful in asking you to allow me the chance to help you out with your home loan. :-)

Sneezy ~ Every one of us has a little sneezy in us. While more abstract in this comparison, it is very important to remind you that during the stress associated with this financial decision, you need to take care of your health. Time is of the essence in obtaining financing. You need to be healthy. You need to take your vitamins -- to get your rest. This type of borrower does not intend to slow down the process. However, we Mortgage Professionals rely a lot on you -- the borrower -- to get information to us in a timely fashion. Be prompt and punctual and your loan closing will be smooth!

Happy ~ While it can be great fun to work with this type of Dwarf, it can be a challenge. I tend to be a happy person by nature, so I can speak with experience as to my "weakness". As a "Happy" borrower we tend to be easily distracted and lose focus on tasks which are so large and not easily understandable. My advice to you -- is that if you break the whole process down into smaller pieces, you can maintain your focus throughout. Also, we happy types are very trusting. As much as it goes against my nature to do so, do not trust everyone you meet to advise you on your home loan. Get referrals. Check references. Do your homework. And don't forget, I would be happy to help you out!

I hope that yu found this to be fun, creative, and educational. There are programs out there for each of you. A Mortgage Professional turns out to be a very intimate relationship. Knowing who you are in the process can be very helpful in determining what you will need the most from your Mortgage Professional. If I do not meet your needs, I would happily refer you to someone who will.

May I wish you the Best of Luck in Chasing Your Happily Ever After!

Here Comes Spring & Your Mortgage PRO Week in Review for 2/25/2008 through 3/2/2008

Mon, 03 Mar 2008 18:05:09 -0600

Like those who have gone before me, I would like to thank Jeff Belonger for asking me to write the Mortgage PRO Week in Review. As one who has had the privilege of doing this post before, I really looked forward to writing one again. This week promised to teach me more about this industry which I love.

In keeping with the theme of springtime, I thought it would be appropriate to format this post a little differently. To give it a touch of my personality by correlating it to an activity I enjoy.

With the new season fast approaching, I find new signs of life growing. The first crocus buds are popping through the soul. Tulips will be sprouting soon too. Then, the beautiful colors that pepper the ground like a rainbow covered sky will bring hope and joy back to our lives.

Of course, the bulbs were planted long ago; often times, many, many years past. Still, we tend the garden with the same tried and true methods of those who have gone before us. Who have found what works and what does not work so well. When we do a new planting, we work the soil to prepare it for the life we are about to give it. We are aware of the conditions in which we grow our garden and we do the best we can to help sustain the beauty that is sure to "spring" forth in the months ahead.

So it is in the mortgage and real estate industry. There are times to prepare the soil, to fertilize the ground, to plant seeds and bulbs. We need to water our garden and we need to weed through the flower bed. We need to determine what seeds we want to plant and where they would be the most beautiful.

As I read through the vast array of posts written, each author brought these elements to mind and as such, I present you the early spring edition of this week's Mortgage PRO Week in Review.

Deciding which seeds to plant and where to plant them is a task in and of itself.

My friend, Mike Jones, has done a fantastic job of showcasing one of his seeds in his post Tucson Arizona Relocation Package. Check it out so that you can get some clarity on seeds for your business.
Joe Adams of Colorado gives very valid points on how Realtor types can plant seeds by referring us Mortgage Professionalswho are always there for you. It put a smile on my face...not hard to do, but always a good thuing! :)
Mr. Aaron Gordon has a great post about Getting A High End Mortgage. In these times, we need all of the proiduct knowledge we can get. Including what the future may hold.
My esteemed mentor and colleague, Jeff Belonger wrote about his area of expertise...the Top 10 Reasons for FHA Financing. I do not use this product often enough...but I think it's time is coming again!

Weeding is an essential part in the gardening process. Pulling up the roots of those weeds that can suffocate our growth is a necessary part of our business lives as well. These posts spoke very well to ways that we can clear up our business much the same as we can clear out the garden.

Often times our attitudes need the weeding. Again, I found Aaron Gordon. This time utililizing on the lessons of another and adds his thoughts in a post challenging us ~ Now Is the Time to Quit the Real Estate Business... (You will need to read it to learn the point of it. Personally, I found it to be a great one.)
A "friend" of a friend (and even a friend on his own) Jason Sardi points out that there are ways to think outside the box. Getting rid of conventional processes is sometimes advisable as he suggests in his post where you can buy a home with No Money Out of Your Pocket. Jason, it seems can write posts with one hand tied behind his back. What a talent! ;-)

Planting the bulbs is of utmost importance. Similarly, so is obtaining business. There were several great pieces written on drumming up business so that we can watch the hours of our time come to life in the form of closed loan files.

Steven Odierno wrote a great post about Marketing to those NOT doing business with you ... yet! I loved this reminder that we may not have seen something pop up yet from a past potential client. However, it will not necessarily always stay that way.

Fertilizing, watering, and getting sun to those bulbs is critical. I have thought many times that in this high tech world, the high touch mentality has been lost. While it may be true that the younger generations prefer it that way, it is not the case across the board. We all have clients who need to see us and hear us. Who need to reach across the table we share at the local Starbucks and shake our hand. It is for this type of borrower that I include the following great posts about nurturing our seeds to fully bloom.

Scott Gormley posted a particularly fun piece called Prove Yourself to Me..."Youngster!" . By the way, Scott, we love homemade jam! :-) I can get my address to you if that would help!
Mike Mueller (who I always learn a lot from) wrote about Google now having Forms. This is a great way to simplify our business giving us the time we need to nurture the relationships we have with our clients. Thanks Mike!
Jane Wells Schooley (A Realtor) adds a great message in Better Sorry...Than Safe encouraging us to be remarkable. It will help warm the hearts of our clients. It will help us to prepare the soil for referrals too!
Nurturing ourselves is important too. Rich Dansereau encourages us to Chill Out! Take A Hike! Hot Tea Therapy!. Once we are refreshed, we can go out there and give all the more to our clients.

Unrelated to gardening but still important posts were also available, of course. I would love for you to read these if you have not already done so.

If you want to go Inside the Mind of an Internet Shopper, Janet Guilbault writes great points and thoughts here.
Tony Grego delves into yet a new hurdle which may be coming down the pike when we handle refinances. Read this one. As Bill Nazur comments...he has already had experience with this.

Go plant your seeds, water them, grow beautiful flowers, and share them with your neighbors! I will be watching, reading, and writing as I stop to smell the roses! :)

(And, thanks again, Jeff. It is always a great educational time for me...)

The next 2 talented members to so kindly volunteer their time are:

1. Ed Rybczynski 03/03/2008 through 03/09/2008

2. Larry Bettag 03/11/2008 through 03/16/2008

Mortgage blogs by loan officers Here is a list of Loan Officers. If you are not listed, please email Jeff Belonger to be added. This way the person doing the Mortgage Pro week in reviewcan try and find most mortgage related posts in one section. ActiveRain is growing rapidly and it is difficult to keep up.... If you think you have been ignored, you have not. This is open to all!!!

All About Mortgages/Mortgage Networking Here is a group that many loan officers post their mortgage related blogs in. A good place to learn more about the type of programs, new industry news, and sometimes some inside tips. Don't hesitate to join.

MORTGAGE PRO Week in Review A repository for the Mortgage Week in Review. Please don't hesitate in joining this group.

Disaster Preparedness

Wed, 27 Feb 2008 11:04:45 -0600

Every location in the world has one form of natural disasters or another. In fact, currently, those are even being changed around from what we consider the "norm".

Here in Oregon, we have many different rivers and streams. With large amounts of running water and with the run off of snow we get from our mountains, we can be prone to flooding. This year, in particular, there has been discussion and speculation that flooding may occur. Being one who both lives and works in Oregon City, I will be paying very close attention to the weather forecast as Spring gets closer. The Willamette Valley Flood of 1996 startled many people as the Willamette River swelled to heights not expected. In an attempt to be proactive, I have compiled a list of items that you should have together for any disaster. Also, Oregon City has a great website to help you become aware of local flood information. Check it out so that you can be prepared...just in case.

The list is below:

Flashlight
Portable, battery-operated radio
Extra batteries
First Aid kit with manual
Essential medications (my husband is type 1 Diabetic...so insulin, chem strips, etc.)
Blankets
Cash and Credit cards
Emergency food and water
Non electric can opener
Warm outer wear and sturdy shoes for the family

Personally, my family is not in the flood zone area of Oregon City. At the same time, I want to be prepared for an emergency to prevent the panic from striking when life throws its curve-balls quickly. Another reminder is to make sure that the expiration dates are kept up to be of help. I recommend that we check expiration every six months (or every time we check the batteries on our smoke detectors). Yes, I know I am obsessed with safety. I hope you are too.

Finally, if you have had any experience with a natural disaster that you would like to share here, please do so. I find that learning in life is easiest when we are able to learn from another's experience.

I will be watching, reading, and writing!

For The Love...of Kids -- My Book MeMe

Tue, 19 Feb 2008 12:57:37 -0600

Many, many moons ago, a friend of mine, Jennifer Bukaty, asked me to post a different style of a MeMe. It was one I had not ever heard of and it is inspired by reading, a love of reading, and our favorite books. I was completely overwhelmed. It was the holiday season with so many things going on. All of those things were designed for my children. For the kidlets to enjoy the season, to remember what is important about the season. To celebrate with family and with friends.

So...at that time, I decided that I would post my book MeMe on my favorite children's books. Those books which my children still ask me to read to them once in a bit. Now that they are so grown up, at nine and eight years old...

Without further ado, then...the following are my five recommendations. whether read to your child or read as a child, these stories are endearing. And although I read many challenging stories in fiction and in reality, I must say that these books all invoke a sense of security, familiarity, and warmth. In these cold winter days and nights, what more can we ask for?

The Velveteen Rabbit by Margery Williams~ I am choosing this story as the first one listed because it holds personal meaning for me. As a child, I was inflicted with Scarlet Fever and still have the heart murmur to prove it. The Velveteen Rabbit is a story about a little boy who has a beloved and shabby little stuffed bunny rabbit. While the bunny was not as fancy as his owner's mechanical toys, he was special. This taught me at a young age that looking on the outside appearance is a worthless measure of anything we hold close to our hearts. My children today still love my childhood copy of the book! And they love that I am alive to read it to them! :)

The Little Engine That Could by Watty Piper ~ One of Derek's favorite books as a "little" boy, I must confess I did get tired of reading this one. He had three versions of it, so we read it a lot. Now that he is eight, he does not request it nearly as much. Too many other things to do; sports, musicals, guitar. But the lesson remains there and we talk of it often. When Derek feels frustrated and discouraged (he is smaller than most boys his age), he will recall how the littlest engine could and did. We talk about how only the engine thought he could do it, and that persistence and belief will allow is to accomplish so many things!

I Love You, Little One by Nancy Tafuri ~ This story tells the tale of how animal babies wonder whether or not they are loved. It may seem silly to us as parents, but every child wants to know, really know, that they are loved. So when the human child asks on the last page, "Do you love me, Mama?", I would (and still do) look my children in the eyes as I answer them with. "I love you like the stars love you...forever and ever and always." I get the best hugs when that book is done. I would not trade it or them for the world! :) Sappy but true, I will love them forever and ever and always!

Pat the Bunny by Dorothy Kunhardt ~ A best seller and classic book written in 1940, this book holds sentimental value for our entire family. While pregnant with our son, my husband and I had to endure a miserable hospital trip. Not for us, but for our ten month old daughter. Breana had come down with RSV and was hospitalized for severedehydration. My Mom and Dad came and gave us a small reprieve from our sleepless night one morning. They brought with them Pat the Bunny and the book that went with him. Dad and Mom helped Breana's tiny hands feel the bunny as they read the story to her and prayed for her to get strong again. She did, and still has both the bunny and the book. As her Grandpa is no longer here on this Earth, she treasures all things given to her by her "favoritist grampa ever". So sometimes, when we miss him a lot, we pick up the bunny, the book, and we read it together. Feeling the stubble on the Daddy's face, looking in the mirror, and feeling that familiar bunny.

Love You Forever by Robert Munsch ~ This story is about a son and his mother. For those of us with boys...we know how tender that relationship is. This book highlights that bond and that love. My little Derek -- to this day tells me that he is going to come tuck me into bed when I am old and he is a Daddy. How he plans to fit that in with his plans for being a geologist, an astronaut, a husband, a Daddy, and a Coach...that is what I am not so sure of. I would love it if he did, but I would love even more that he grows to be so sweet to his own family someday.

So...sorry that this took so long Jennifer! I did have fun with it, and it has been in progress for many weeks. I hope that for you and all of the other readers that you enjoy this insight into who I am. Who my children are. And, most importantly, who I hope we all become.

I will be watching, reading, and writing...after I read to my children! :)

The State Of Our Union

Thu, 31 Jan 2008 10:42:50 -0600

I realize that this topic may be a hot button issue for many people who feel quite passionately about the State of our Union and the President who determines foreign policy. I welcome discussion on this topic as long as the commentary is respectful. As the writer of this post, I feel it appropriate to let you know that if a comment has any expletives or hateful speech, I will remove it from this blog. Again, please do feel free to leave your opinion, even if they differ from the ones offered here. It is after all, what makes America -- America. :)

While many dislike the current President and his policies, I offer one very simple point to all of us.

I care about policy, and I care about actions. I care about our fiscal issues and our social issues. Though I align more with the Republican ideal than not, many of my dearest friends fall more into line with the Democratic line of logic.

On Monday, President Bush gave his final State of the Union. While this last year of a President's term is often called the Lame Duck Presidency, he did not seem sad or sentimental. He clearly recognized that he was out of the limelight and that the attention was now being focused on the new candidates.

While I sat and watched his speech, one thought stood out to me. Whether right or wrong, no matter which side of the political world we are one -- he has remained consistent. I realize that some think of his personality as stubborn. However, I would argue that he stands by his convictions. I believe that our President (whom I disagree with on some things) has always done what he thinks is best and is right. President Bush has not ever been one to cower in a corner. Although he has been attacked (and sometimes rightfully so), he remains the same.

Personally, I am not all that pleased with the candidates on wither side of the fence for this upcoming election and term. While I care about many different issues, I must say that one very simple thing I will be watching is the records that the two final candidates present. Have they remained true to their convictions? Have they stood for what is right? Even in the face of adversity? I want someone who will not move too much with the wind of public opinion. Flexibility is important, and in some ways I wish that President Bush would be more "flexible". At the very least, though...I can admire him. I can respect him for the fact that he makes no apologies for his beliefs and convictions. He stands and weathers the storms, resting in the fact that he can lay his head down at night (probably for a very few hours) knowing that he did his best.

I live my life that way -- I run my business that way, and as I result, I would expect that of my leader.

I will be watching, reading, writing, and paying very close attention in the next nine months! :)

Twelve Days of Safety ~~ On the Tenth Day

Sat, 22 Dec 2007 10:00:34 -0600

Wow! After today, only two more posts. That means Christmas is just around the corner! I hope you have all of your shopping done! :) Now on to the safety topic du jour...food safety!

During the holidays, we are often making large meals. Whether hosting a dinner party for friends, gathering with the entire family, or snacking on hors d'ouevres at a cocktail party with a small group, Christmas is that ime of year where we all eat more together! Although I have not heard of an epidemic in food poisoning this time of the year, I thought it would be appropriate to perhaps remind everyone of some basic food safety tips when preparing your spread.

Wash your hands often! During this season, there are a lot of colds and viruses traveling around, and we eat a lot! In order to prevent passing germs, the need for hand washing is high in the first place. Then, we add the possibility of cross contamination with the food. You can never wash your hands too often in the kitchen! And wash with soap and hot water for a good 30 seconds each time!
Clean all cutting surfaces and sinks thoroughly! The chances of germs traveling from one food item to another is quite high. At Stanford's Restaurant and Bar in Portland, they have a good system to prevent germs traveling. They use a red color cutting board for beef, a white one for vegetables, a yellow one for poultry, etc. If you do not have that ability, wash your cutting surface after every use. Again, with hot water and soap.
Prepare meats according to the butchers directions. The heat requirements need to be met in order to prevent undercooked food. Undercooked food is what will allow your meats to hold germs in such as salmonella. Also remember, if you are preparing a turkey and stuffing it with dressing, the turkey's cook time will take longer.
Refrigerate leftovers promptly. And, remember to date them so that if you do not have a chance to eat all of them before they spoil, you know that they are spoiled! No one wants to open a container to find mold! Yucky...

Most of all, enjoy your time together...continue your ways of safety and have a blessed Christmas together!

I will be watching, reading, and writing...as I prepare Caesar salad for thirty three at tonight's Christmas party!

Twelve Days of Safety ~~ On the Ninth Day

Fri, 21 Dec 2007 12:21:26 -0600

During this, the most exciting time of the year, we get really caught up and excited about all of the beautiful Christmas decorations. Today's safety tip is in regards to those pretty things we do not often have around and how they can affect members of our beloved family...our children and particularly our pets.

There are many different things posing a threat to the safety of our pets. One of the more common rumors is poinsettia. As a result, I did a fair bit of research this morning to present to you. Some of what I found is below and it is my hope that this can help keep your more helpless family members safe this year and in the years to come.

Poinsettias ~ Although believed to be toxic, this plant is not actually so. As the Tennessee Poison Control Center states, it can cause choking if the leaves are eaten, but there is no poison in this common holiday greenery. In order to keep the risk of choking down, simply place your plant up at a height impossible for your pets and children to be tempted.
The Jerusalem Cherry Plant~ Considered one of the more toxic plants, ingesting any part of this foliage can be severe causing slow heart beat and even a coma. This is not a holiday memory that you will cherish. As with most things, then, place the plant high enough as not to be eaten by children or pets.
Mistletoe ~ According to the American Veterinary Medical Association's (AVMA) website is highly toxic to your pets. Particularly the berries. While it is fun to share a kiss under the mistletoe, performing mouth to mouth resuscitation on Fluffy the cat does not seem fun. Or fair to Fluffy either. So, please pay attention to the bunch of mistletoe, making sure to pick up berries and leaves which drop from the bundle. And, enjoy that kiss! *MWA*
Snow Scenes ~ With fake snow, the chance of lung irritation can be quite high. Although pretty to look at with it's magical sparkling quality...it is a risk not worth the ambiance it creates. If you want to use snow in your Christmas decor, make certain that it is out of reach for children and pets. Also, make sure to educate your children on the fact that no ~ it is not sugar, it is poison to their little lungs. It always worked when my Mother told me that it was poison, and to date it has worked on my children as well.

It is my hope that these few tips will serve as safeguards for your beloved pets (and kidlets, too). It would be a tragic Christmas, indeed, to loose your puppy, cat, hamster, snake, or Jonny over something so simple to prevent. Take that moment in the hustle of the Christmas season, and protect all of those living creatures that you love!

I will be watching, reading, and writing...and petting my chubby Siamese kitty, Cocoa!

Twelve Days of Safety ~~ On the Eighth Day...ID Theft

Thu, 20 Dec 2007 12:26:34 -0600

If you have read any of the other posts in this series, you know that two of the days (days 5 and 7) are more funny than clear and present dangers. If you have missed any, you may still read them and let me know what your thoughts are.

Todays safety topic is a real danger all year around and particularly during the holidays. Identity theft has been on the rise over recent years. As protection gets better with technology, so do the bad guys. It is an unfortunate truth that we must be prepared for. As I happen to be involved more on the financial side of Real Estate, I know that identity theft needs to be watched. And as such, my safety tips to prevent this and to correct it are as follows:

Keep and check all of your credit card receipts. If you have a receipt with the entire sixteen digits showing, when you are done with it, destroy it. Do not just throw it into the trash. Make it unreadable to the thief. They are not too proud to go through the trash finding receipts.
Speaking of trash, do not throw away your mail soliciting you to accept any financial offers. They need to be destroyed by shredding or burning them. Again, it takes the option away for the desperate thief.
Maintain a list of your credit cards with each institution, their phone number, and your account number. That way, if a card is lost, you can put a stop on it immediately. Be sure to keep this paperwork in a safe place and separate from the cards themselves. Do not forget to include your debit card number as well. That one will have the most immediate impact if it has been stolen.
Check your credit report annually for possible identity theft issues and mistakes. You may check for that at Annual Credit Report. If you do happen to find something erroneous, immediately follow the recommendations by the agency on filing an alert.
Do not share your financial information, drivers license, social security number, account numbers -- anything with anyone. Be wary when you are asked for such personal information. It is better to be safe than to be sorry!

Be safe throughout the holiday season and all year long financially. What happens today will affect us tomorrow! Enjoy your Christmas season with your friends and family. I will be looking forward to hearing great stories of your times spent together and memories shared! Of course, I will also be available to help you with your commercial and home financing needs.

I will be watching, reading, and writing. And...checking into our credit reports! :)

Twelve Days of Safety ~~ On the Seventh Day (Here's to you Paul Slaybaugh)

Wed, 19 Dec 2007 12:17:53 -0600

At this time, I would like to mention another of my favorite safety warnings. This was the original suggestion by one Mr. Paul Slaybaugh. So, by request, I shall warn you of his deepest fear at Christmas. In my own feeble way, I am going to have to offer some council on what precautions to take in order to avoid Paul's fate! But first, I must explain the history...so bear with me, please...

Not too long ago, Mr. Slaybaugh had a bad encounter with one of Santa's reindeer. You may have heard of Blitzen before. Most of us have. Not many of us, however, would recognize him specifically were we to see him. Paul, sadly, can. You see...he was knocked down rather brazenly by the alleged reindeer and his accomplice, Comet. It is to this end that our friend has become a bit unstable. As we speak, he is planning attacks on Santa and his Reindeer. To that end, Paul has suffered death threats from the elves. You know, times being slow and all, they need to keep their jobs. And if Santa goes out of business over Paul's revenge of the reindeer...those elves will be on unemployment! From the sounds of the letters that Paul has been receiving...at all hours of the night, he has determined them to be drunk and raving mad lunatics. He even goes so far as to call them knee biters! Well, the truth be told, there may be some truth to Paul's fears.

I saw a child crying leaving Santa's lap the other day. A phenomenon rare to be sure. How can a jolly old man make a child cry after all? When I spoke with the boy's mother, she said that Santa had whispered to the young boy that he would not be getting a Thomas the Train. Oddly enough...that is the exact gift that Paul has demanded for his son. I, not normally being a conspiracy theorist, have done a bit of digging, and here is what I have come up with.

Santa has become a "myth" making it nearly impossible for all of the elves at the North Pole to be employed year around. With less demand for toys, they work in shifts, drinking away the remaining six months of the year. Eggnog, to be sure, is something to have in small doses rather than gallon jugs. And remember, they are pint sized...so a little goes a long way!
Due to the fear of failure that the elves are feeling, I did find a few obscure reports that they have been biting the knees of those who do not believe. Many people initially thought them to be spider bites, but further evidence has proven the DNA belongs to North Pole elves.
Finally, they are mad at all who do not believe. Therefore, they try to prove themselves real rather than fiction or myth. As such, there was one elf who was willing to speak on condition of anonymity. He confessed to the fact of sending Paul (and others) vicious hate mail and death threats. He passes along his apologies if you have been, "among the many victims".

In light of my reearch, I feel that I owe it to Paul to give a few warnings about these elves. I do not profess to expertise here. Rather, I can only give my thoughts on how to calm their terrified little minds, therefore bringing peace back to their region and ours. Here goes...

Believe! Believe in Santa and in the fact that he is a giving saint. He is alive and well with the Spirit of Christmas.
Be kind to those little elves. They have had a hard road the past ten years or so. They are like scared children unsure of what their future hold.
Wear shin guards and knee protectors. You can find them at any sporting goods store. Nike is our preferred brand. They really work well.
Pay attention to your surroundings! If you are at a shopping facility, the elf ratio is much higher. They are trying to minimize the shopping year round, so that there is more job opportunity for them!

I hope that you found these tips helpful, and please leave your encouragement for Paul here. It really is a tough time for he and his family. The one year anniversary of the "accident" is upon us. He needs us now.

I will be watching, reading, and writing...while smiling and wishing you a Merry Christmas!

Twelve Days of Safety ~~ On the Sixth Day

Wed, 19 Dec 2007 11:01:56 -0600

On this, the sixth day of my series, I believe that it is time for a more serious issue. And it can severely affect your ability to purchase a home, a boat, a car, and everything else. Todays safety tip is...stop buying so much stuff! At least if all you are doing is using your credit cards to do so without an immediate ability to pay the card off.

We have all heard the statistics about Christmas bills taking six months on average to pay. With six months worth of interest (in the best case scenario), you will likely pay an additional $1000.00 dollars in interest! That could have gone to your closing costs, your down payment, home repairs, an emergency fund, retirement account, tax deferred college savings for your kidlets and so many other places.

While I am sure that this message is not popular, I am sure that we all want this housing market to stabilize. In doing so, we mortgage professionals need to be able to get loans closed. If your credit balance is too high on your credit cards (revolving accounts)...guess what??!! Low credit scores will come around to you. Low credit scores mean less available programs. Often with higher down payments required. If you have not saved any money...how do you hope to have a down payment ready?

Do you see the vicious cycle starting? It goes from bad to worse if you do not check yourself on your purchases. So, below are my common sensical tips to use for this last remaining week or so.

Use cash. If you have the cash to spend, go ahead and spend it. You will make smarter purchases and buy things that you really like or need. Watching the money leave our hands never to return brings us a deeper realization and cuts back the rationalization!
Stop lying to yourself. While it is true that some people do pay their balance off in full each month, most do not. That is why the credit card businesses are alive and well. Too many people say they will use their card so that they can get airline miles or cash rewards or whatever. If you do not pay your card off, though, you will not make it better, you will make it worse. Your cash reward would not even pay the month or two of interest. Nor would your airline ticket cost you as much as your minimum monthly payment or your interest fees!
Realtors, advice your shopping clients not to overspend. It may affect their ability to buy a home and your ability to make some money! Refi's are not even "easy" to do anymore, so that is not much of an option unless a client has a ton of equity!
Do your best not to get too wrapped up emotionally in the season. Marketing ploys make you think that love and giving is synonymous. It is not. My favorite gifts are not always the most expensive and (hopefully) if the truth be told, neither are yours.

While I am all about giving, sharing, and loving Christmas. I want to make sure that I am posturing myself for success in 2008. Similarly, I am hoping for the best 2008 for you too! If you have any questions on the subject, please feel free to visit me at www.hillvalleyfinancial.com/saraheubanks, and we can talk. Wishing you and yours the best Christmas and New Year to date!

If you have not read the previous five posts in this series, you may do so here:

Twelve Days of Safety ~~ On the First Day

Twelve Days of Safety ~~ On the Second Day

Twelve Days of Safety ~~ On the Third Day

Twelve Days of Safety ~~ On the Fourth Day

Twelve Days of Safety ~~ On the Fifth Day

I will be watching, reading and writing. And waiting to help you get the financing you both need and deserve.

Twelve Days of Safety ~~ On the Fifth Day

Tue, 18 Dec 2007 11:28:22 -0600

So while many people in the Rain know our friend and colleague Paul Slaybaugh, some of you may not. It is at this moment, then, and through this post that I shall introduce you to this "special" friend of mine. In a comment he left for me on the Fourth Day of Safety, Paul asked when I would get around to warning you all about the raging, drunken elves. I tried to explain to him that the more "serious" issues of safety would be forthcoming. That although I hope to help prevent fires and theft, my greater cause is to fight the hazards of fantasyland Christmas. Today I am staying away from the drunken elves...I will save that post for another day...I promise, Mr. Slaybaugh! I really do...

I opted to talk about the big man...Santa Claus, and his reindeer. You know the song..."Grandma got ran over by a Reindeer", well that is my safety topic for this the fifth day of Safety.

If you have ever been near a Reindeer, you are likely aware of their size and stature. They have mean hooves and they use them in a prancy fashion. It can be quite traumatic. So, please be aware by following the safety steps mentioned below:

Do not drink too much eggnog on Christmas Eve! If Grandma had not been so hammered, she would have soon those darn prancy hooves coming straight for her noggin!
Take all the medication you need...and are prescribed by a doctor. We do not need to add any whacked out meds to the eggnog or I fear the prognosis will be even worse!
Warn all your friends and neighbors to be aware of Reindeer hazards. When we watch for the good of others, we commonly have good things happen to us!
Instead of walking home Christmas Eve, consider public transportation. It will keep you much safer from reindeer and drunk drivers alike.

I hope that these tips find you all healthy, happy, and well! If you have any additional tips you would like to share, please do let me know. I welcome all thoughts and ideas. I will be watching, reading, and writing...and watching for reindeer!

And in This Corner...Sarah Eubanks' Meme ~ Round Two

Mon, 17 Dec 2007 15:30:55 -0600

In this corner, Lisa Heidel. Weighing in with a love for shoes and a cookbook fetish, Lisa tagged a new acquaintance to find out more on her the "victim".

And in this corner, with one Meme down and who knows how many more to go, we have the victim...Sarah Eubanks, otherwise known as Meme for today!!!

About seven years ago, I was in a terrible roll over car accident. While I broke the second vertebrae in my neck, our son had to be life flighted to a local children's hospital. It was at that time that I found out I was allergic to morphine. Boy was that bad news...being strapped down, unable to move, and needing to throw up! Yuck...Some things you never want to do. Breaking your neck would be one of those things. However, it was by the Grace of God I survived and was not paralyzed. My neurosurgeon called it a "miracle"!
I lost my Daddy and a true hero when I was thirty. He was only 54 and way too young. I hate cancer and actively campaign against any form of it whenever possible. For more information on how to donate time or finances, please go to the American Cancer Society website.
My family has four members to it. Our son, Derek, daughter Breana, husband Michael, and myself. We are so grateful that our daughter looks a lot like me and our son a lot like his Daddy. If it were the other way around, it would be quite random! Take a look for yourself and let me know what you think!

I grew up in a family business. My Mom and Dad own Sun Glow, Inc., a local heating and air conditioning business. They provide great work, superior customer service, andfantastic prices. I am certain that I got my entrepreneurial spirit from my Dad. He worked really hard, but always made time for us as a family. I try to mimic that as much as I can.
I was the captain of Centennial High School's dance team in high school and a cheerleader in college at Willamette University. I am certain that these facts are what make me so flexible even still today. How many 34 year old peoples can still do the splits, after all??

So, there are a few more things about Meme that you probably did not know. Perhaps you have an idea now as to why I am the way that I am. Why I am who I am. Why I believe what I believe. That is, after all, part of what this Meme thing is all about, right??

For my part to keep this chain going, I hereby choose to invite the following into the ring with Meme:

Andrew Trevino ~ This man I know little about, with the exception that my trusted friend, Mr. Alexander Harb thinks highly of him. I am looking forward to forming my own opinion! :)
Jeannie Kontis ~ A strong woman (like myself), I must say I am eager to learn new things about her! Have fun with it Jeannie. :)
Jennifer Bukaty ~ I know that she recently did a book Meme, but as a fascinating person, she has so much to share with us. And, Jennifer, I do promise I will get my Book Meme done. I have the books, but writing the blog as beautifully as you did proves to be a challenge. One that I am up for, but time consuming nonetheless. :)

Thanks, Lisa, for bringing me out of my box. I am normally such a quiet girl (wink, wink)...

Happy Christmas Everyone!

Twelve Days of Safety ~~ on the Fourth Day

Thu, 13 Dec 2007 11:10:24 -0600

While you are relaxing and pampering yourself, please make sure that you are protecting your assets. Todays safety focus is in regards to automobile theft. Both the theft of the goods in your vehicle and the possibility of your car being stolen! During the holiday season, most of us are giving and loving. There are, however, those common criminals as I call them. While I am sure they have a valid sob story of a mother who did not pay enough attention to them (said with dripping sarcasm), I am hoping to keep you and your belongings safe. So...to follow are a few tips to detour criminals from lurking around your things, your car, and even you!

When you are in a parking area, please make sure that you park near a light. While you may not plan on spending all day at the mall, outlet stores, or grocery store...better safe than sorry. I want you to be parking near a light. Past criminals have admitted that the cars furthest away from the lights are those they would target the most. So...park near a lamp post, neon sign, or anything to shed some light on your car and your safety, really.
Place bags, packages, pretty much everything in the trunk of your car ~ or an otherwise un-visible area. The more temptations there are for someone to see through the windows, the higher the likelihood of those goods being stolen.
When walking out to your vehicle, please be aware of your surroundings. Especially during evening and nighttime, pay attention to all of the sounds, smells, and the feelings you have regarding your safety. Our "hunches" or intuition are, I believe, God guiding us. He wants what is best for us, He loves us, and He tries to protect us. Victims of a crime often say they wish they had followed their instinct...their gut! So trust yourself and be careful.
LOCK YOUR CAR! If you have an alarm system, set it. It is easy to be bustling about and forget the most basic of things. It will, however, prevent bad things from happening, just by taking a few moments to ensure your safety.
Last but not least, to keep ourselves safe, we should spend time making sure that others are safe. Help the elderly woman get to her car safely. Watch for suspicious activity...again, paying attention to your gut instinct. When we do unto others, it will be done unto us!

I know that this one is a bit more of a downer, but I find being proactive is much easier than reacting to the ickiness of what can be. Enjoy your last 12 days of Christmas. I will be enjoying mine as I am watching, reading, and writing!

In the event that you have missed the first three days, the links are provided below! If you have not read them, please do and let me know your thoughts... :)

Twelve Days of Safety ~ On the First Day

Twelve Days of Safety ~ On the Second Day

Twelve Days of Safety ~ On the Third Day

Family Fun Night ~ Movie Marathon

Wed, 12 Dec 2007 23:04:28 -0600

While it is unlikely (and actually impossible) to watch all of these Christmas flicks in one night, I want to suggest that a Family Fun night can be served with hot buttered popcorn, or better yet, Julie Neering's Yummy Caramel Corn recipe. So, in the spirit of the season, I have compiled a list of top Christmas movies...in my not hardly ever humble opinion. If you know me very well, you are certainly aware that I never hold my opinion back as I happen to be particularly forthcoming! :)

Similar to my MORTGAGE PRO Week in Review , I have opted to do a Top Ten theme. I thought it was fun to do that way, so you, my audience may see posts this way again...unless I get hired to write as the writer's guild is still on strike (JOKING! The striking union has very valid issues and I will stand with them in solidarity -- although I do miss my show, "The Office")!

I digress, so in getting back to the point, let's start!!!

10.) Home Alone (the original version) ~ Well before Mr. Culkin's meltdowns, I loved his work as a child. The good news for him is that this movie still garners laughs from the kids. Which means parents enjoy it...which means money in his pocket! Oh well, I hope he is making smarter money choices these days! :)

9.) White Christmas ~ More a movie for our parents' times. A great movie nonetheless, full of values and history (almost). Well, with the black and white feature at least there is a contrast of how generations and technology go. We have actually had the conversation on this one...perhaps you have too!

8.) The Grinch ~ Jim Carrey is at his best in a role like this one. And, who doesn't love Cindy Lou? She is as sweet as the day is long. There is a warm fuzzy lesson in here too, making it a family great! May I inquire, though, whether you prefer the cartoon version or the live "action" film? Thanks, looking forward to hearing from you on that one!

7.) A Christmas Story~ Little Ralphy shooting his eye out...the hilarious scene with the tongue stuck to the flagpole, the Dad losing his temper, and his control, and of course...the dogs eating the Christmas dinner. All sorts of reality tied up with laughter! You may need to fast forward the part showing Dad's lack of control...too many expletives for kidlet ears, I think! :)

6.) The Nativity ~ I make no apologies for being a faith filled girl. So, I am putting this out here. The movie is well done for sure. The interpretation is believable to me, and the story is compelling! If you have not seen this one, you should watch it and respond with your comments. :)

5.) Miracle on 34th Street ~ In case of a lively debate...let me just start this by saying both versions are good. I, personally, prefer the newer version. The quality is better and I enjoy the little girl who plays the role. Besides, Dylan McDermott is dreamy with his dark hair and bright eyes.

4.) Elf ~ Another comic worth mentioning. Although not from "In Living Color", he is from SNL. This movie is both sweet and goofy. We all have a lot of laughs from this slapstick comedy. We also get to snuggle in as a family and learn to love one another again. Who could ask for a better Christmas miracle than rekindled love and appreciation. Feeling warm enough, now?? :)

3.) A Charlie Brown Christmas~ While a short film, it still remains a classic in my book! An endearing story of sadness turned hope...enough said! Well, almost! I love Lucy because we are so much alike!

2.) It's A Wonderful Life ~ I am not so certain that every time a bell rings an angel gets it's wings. I amcertain that this movie portrays the value of life...our own lives. It demonstrates that we all have a purpose and that the world just would not be worthwhile without each one of us. What a Christmas gift...realizing that we have worth.

1.) The best Christmas movie of all time is ... National Lampoon's Christmas Vacation~ Laughs, lessons, family, Christmas, giving, priorities, twinkle lights (not working), saying grace, uncle Eddy. Just too much fun to describe in a post. It is a must watch (if you have not watched it already!

To that end, I hope that you all rush right out and rent (or buy...it may stimulate the economy) at least one of the movies to spend that time with your family. Laugh, eat, drink, and be Merry. Speaking of Merry...have a very Happy Christmas!

I will be watching, reading, and writing as you all share with the class your thoughts and feelings on the top ten Christmas movies of all time! I cannot wait to see what you recommend...

Too Little (Time) ~ Too Late

Sat, 08 Dec 2007 15:50:46 -0600

My husband and I have been involved mentoring and ministering to youth kidlets (Jr. High through College) for many years. We love it because we love the "kids". We hate it because there are too many of them that are hurt and lash out. This is a very quick note to let you all know that too little, too late is a very real thing when it comes to our children.

There are many people out there who believe that when their children are older, that is the time to pay attention to what is going on. I am here to provide a very BIG wake-up call. Too little (time) when they are small is too late! The Nebraska shooting victims were affected by such an example. This young man had a bad upbringing. Does that mean that we are justified in our poor behaviors? Most definitely not! It does shed light, though, as to why things happen and how things happen. I realize that I cannot save all of the youth of today from being hurt any more than those who have gone before me. However, I do hope to encourage you to spend time with your kids. Invest in them now, while they are willing. I promise you that if you do that, teenage days will not be quite as hard. They will still want to be with you, to make you proud, and to succeed. Oh for sure, they will still make their fair share of mistakes, but they will come back to you! That is all a parent can pray and hope for, after all!

Not that I am perfect at this parenting gig, but I thought I could show a few photos of thigs we do now while the kids are young. If you have any ideas, please feel free to share those here. I want the best for all children all throughout this country, this continent, and the world! Go have fun. Go spend time. Before it is too late!

I will be watching, reading, and writing about my kiddos and yours! :)