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They Gave Me A Band-Aid And Now I Need Stitches! - 07/30/07 10:59 AM
So, which is better, a Fixed Rate or an Adjustable Rate on your Mortgage? Why it's such an easy answer, both! Wait, no, that's not it. The real answer is neither. Nope, that's not it either. Ah-Ha, I have it, the answer is both & neither. Yep, that's it, that's the answer. Thanks for stopping by, my work here is done. I'm kidding of course, there's so much more that goes into answering that question, client to client, case by case. I should mention though, if you aren't into the whole semantics of money, statistics, charts, & jargon of Economics, this may (82 comments)
Your friendly neighborhood Sardiman! - 07/28/07 08:25 PM
That graphic will make even more sense momentarily. True Story: Last night, after work, I did my typical routine. While I love spontaneity, I'm so darn predictable. I went to my favorite watering hole, had a couple of drinks, got food to go, and came home. Normally before I go out, I always check my pockets 3 or 4 times to make sure I have my keys to my house. Well, wouldn't one know it, before I left Stahley's I checked my pockets. Uh-Oh...no keys. Checked again, Shoot, no keys. This isn't good! I began my trek home none the (31 comments)
One of the better posts I've read that can transcend not only your Real Estate Business, but your life, is by a sister I never had. This is the post. 'WooHoo' Celeste "Sally" Cheeseman inspired me to write this. I'm not sure if this is the best time of day to do so. I'm not sure if I'm in the right mood to do it. Yet, I'm here and will write it cause I can. In this life, you never know. It's Not Easy...But Give It The Best Shot You Have! To my knowledge, I didn't choose to be here. To my knowledge, I (37 comments)
Off of my chest and into my words.... - 07/21/07 06:59 PM
Ok, I battled myself some of this evening on whether to write this at all. Obviously, I won and I am:-) My other battle, assuming I won the battle and wrote this which I did, was whether or not to make it public or private for viewing by those here in cyberland. I decided to make this so anybody can see it if they come across it and choose to read it, for whatever it may be worth to anybody at all. I left work at about 7:30 P.M. tonight for my humble abode. It was a good day, a great day! Full (134 comments)
What to do when your fixed rate adjusts? - 07/18/07 08:42 PM
I should date more. I've had a bunch of biz referred to me by gals I used to date. I should dump or be dumped on a more regular basis, it seems good for my business. Though, bad for the heart. The following is another example of what has been going on in Real Estate, especially in the past 2 years. An ex-girlfriend of mine referred a couple who were looking to refinance out of an adjustable rate that when instituted, increased their payment dramatically. Apparently, when this couple bought the home, the lender they were dealing with gave them a lower rate in what is called (24 comments)
07-17-76 Bicentennial Boy Is Born....And Learns A Heck Of A Lot Along The Way! - 07/17/07 11:12 PM
I'm killing two blogs with one stone here. Number one, I'm going to finally address Bob Mitchell's request that I'm Meme'd once again. Sorry it took so long Mr. Mitchell. Number two, I'm going to run down some of the things I've learned in my 31 years of existence here on Planet Earth. 31 of them to be exact. They will address what I've learned from Real Estate, Active-Rain, and Life....about my role in all three. I know attention spans are lacking these days, so bear with me here. As typical, off the cuff and in no particular order:
1) The Golden Rule is (32 comments)
Are You Better In Writing, Or In Real? - 07/14/07 11:51 PM
Can You Pick Me Out Of This Crowd? When I first entered the biz, one of my mentors took me out to lunch with a gentlemen who also worked in the industry on the banking side of things. Eventually, the conversation turned to generating business for whatever firm you are working with. They both told me the same thing. That was, in their over 30 years of experience, generally speaking, mortgage guys and gals developed business 1 of 2 ways. They either hit the streets (Realtor Calls, Bank Calls, Etc) or dialed for dollars. They said that they very rarely saw (25 comments)
Some Phone Calls Are Just Hard To Make.... - 07/10/07 09:35 PM
Despite what your popular infomercial of the day has to say, it ain't easy giving bad news. And it's not in my nature to take advantage of it. I wrote a post not too long ago about a transaction that turned real dead, real fast, after the appraisal came back. An adjustable rate came due, yet they couldn't do a thing... Adjustable Rates were a popular phenom and always will have their place. I didn't make them that original loan but I followed up like a madman to try to make sure I'd make them the next, and hopefully, final loan they'd ever (32 comments)
Being A Mortgage Guy... - 07/07/07 09:05 AM
I was reminded of something on a long conversation I had with a lady yesterday and yet again after reading a recent post by David Podgursky. I spend a large part of my life working....I do Mortgages. CLICK HERE & THEN READ! Let me explain further. There are only so many hours in a day, only so many days in a week, and only so many weeks in a year. Yet, a lot of us spend a large amount of those hours, days, & weeks doing what we feel passionate about doing...our chosen occupation. Sometimes, I forget to explain what I do and why I do (29 comments)
When Your Ego Gets In The Way... - 07/04/07 03:56 PM
I never understood the celebrity culture of bright lights and silver spoons. I never understood why a lot of them just faded away. I do understand that a lot of individuals reached their particular heights of greatness without a silver spoon and worked their behinds off to get there. But, I never understood why one moment you are great, and the next, you fade away. Every once in awhile, I write off the cuff and have no clue of what I'm going to say next. Mark this as once of those every once in awhile's. As the preliminary fireworks of Independence Day go (19 comments)
At The End Of The Day....Do Mortgage Brokers Really Matter? - 07/01/07 01:16 PM
If you know me or have read my little profile here, you probably know that my answer is a biased, "YES!" Regardless, if you feel inclined, read on dear friends... I'm a sucker for doing stuff that tends to be controversial in nature. The part of that which intrigues me is that sometimes I go into it without that intention ever being involved. I write this now when it should of been written then, but again I was reminded in a phone call I received earlier today. I'll preface this with the fact that to me, Respect Means The World. So, if you want (28 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.