Ventana Canyon Neighborhood Garage Sale and Donation Day: Henderson, NV - 07/31/07 05:15 PM
Ventana Canyon Neighborhood Garage Sale and Donation Day: Henderson, NVIt's that time again! Save the day, October 6th, 2007 7:00 am to 1:00 pm, for the Ventana Canyon Neighborhood Garage Sale and Donation Day in Henderson, NV. This is a must attend! Ventana Canyon is a community of 1296 homes located … (5 comments)
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Henderson, NV Low-Rise Condo: Construction under way - 07/31/07 12:51 PM
Henderson, Nevada - With all of the Low, Mid, and High Rise condo projects in Henderson and Las Vegas, Nevada scheduled to be built one has to wonder how many will actually go up? One in particular that I have been keeping an eye on is Stephanie Village in Henderson. This … (7 comments)
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Blog Comments are like Flair! Some people choose to do more! - 07/30/07 02:05 PM
Well everyone, I came to the realization the other night that Blog Comments on Active Rain are like Flair. If any of you have seen the movie Office Space(clip included below) you know what I am talking about. 10 comments are the minimum, now its up to you wether you want … (43 comments)
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Another 100% Financing Program Available: The Community Accomodation Loan - 07/27/07 04:36 PM
Because of many and many requests for 100% financing I have continued to search out the best 100% programs to offer our borrowers while still keeping them in a fixed rate loan to weather the current market correction. Bank of America is offering The Community Accommodation Loan for Low-to-moderate income borrowers … (11 comments)
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Adjustable Rate Mortgage (ARM) vs. Fixed Rate Mortgage: Which is Better? - 07/26/07 01:47 PM
Adjustable Rate Mortgage (ARM) vs. Fixed Rate Mortgage: Which is Better?As a homeowner or potential homeowner, you may be wondering, "ARMS vs. Fixed Rate: Which is Better?" With continuous news of recent foreclosures, a good portion of which are due to ARM adjustments, now more than ever, people are inquiring as … (33 comments)
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Steak, the restaurant, hidden in Henderson, NV - 07/26/07 12:15 PM
OK as a connoisseur of steak I feel obligated to let anyone, who lives or is visiting the Las Vegas/Henderson area, know about this fabulous restaurant tucked away in our part of the world. STEAK, the restaurant, located at 76 W. Horizon Ridge Pkwy, Henderson, NV has a hip feel and … (8 comments)
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Home Warranties: Pre-paid asset or Fools Gold? PART II - 07/24/07 04:27 PM
Back on 7/20/2007 I posted Home Warranties: Pre-paid asset or Fools Gold? Part I and said I would keep everyone (Billespecially LOL) about the progress.Let me start by saying their Air Conditioner is STILL not fixed yet! That's right they are still sweating in the 90 Degree Plus heat upstairs and … (7 comments)
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My Website: www.steak-dinner.com is back! - 07/23/07 03:54 PM
Hello everyone,
I just wanted to let you know that I have launched my new mortgage website, www.steak-dinner.com. My site has a clean new look and feel and many new resources including a state of the art Mortgage Calculator page. This page includes several calculators to help homeowners and potential homeowners crunch numbers like a pro! If you … (10 comments)
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100% Mortgage Financing with the Barrier Buster: An alternative to the My Community 100 Program - 07/23/07 03:41 PM
In my never ending pursuit of Mortgage information and education, I have come across another program that allows for borrowers to obtain 100% Financing. Even though the industry giants and Wall Street are making it increasingly difficult, you as the borrower, have still expressed alot of interest in this type of … (3 comments)
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My website is temporarily down www.steak-dinner.com - 07/21/07 06:38 PM
My website http://www.steak-dinner.com/is temporarily down. I have recently redesigned the site to include an updated look and design as well as added many new on-line resources. I am really excited to relaunch the site. I am currently in the process of switching over my domain hosting so the site will be down … (4 comments)
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Nevada Mortgage Agents: 38 Days Later - 07/20/07 12:50 PM
On June 12th, 2007 I published one of my very first Blog Posts ever regarding Mortgage Agents Dropping like... As always I try to check out my competition on a regular basis. Todays's figures from the Nevada Mortgage Lending Division at http://www.mld.nv.gov/:Today: So in the last 38 days 779 more Mortgage Agents fell to … (4 comments)
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Home Warranties: Pre-paid asset or Fools Gold? - 07/20/07 12:11 PM
Yesterday, the office manager of our company comes in crying after her lunch break. As always, not seeing she was crying, I asked how her lunch was. "Terrible!" she says. Turns out she was not on her lunch break at all. For the past couple of days she has been waiting … (9 comments)
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A parking spot for $225,000 and that's a bargain??? - 07/19/07 04:49 PM
I subscribe to an RSS feed from CNNmoney.com about the Mortgage & Real Estate Industry and today this was one of the posts that came across. I do believe people have lost their minds. The craziest thing about this is that they have a waiting list at this price for those parking … (6 comments)
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Let's talk about HEAT! - 07/19/07 01:25 PM
Yesterday my wife and I were looking at the local FOX 5 news 7 day forecast for our beautiful city of Las vegas, NV and it looked like this:. YUCK was both of our reaction! I told my wife that this has been one of the hottest summers of the 11 summers … (19 comments)
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Another casualty of the Sub-Prime Massacre: The 2/28 ARM - 07/18/07 05:25 PM
This seems to be a common theme now-a-days in the sub-prime market; casualties. If it isn't a Mortgage Bank, its a Mortgage Lender or a Loan Officer and now I believe we have seen what is next!
Mortgage Loan Products!
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According to the Wall Street Journal article by James R. Hagerty:
Some lenders … (9 comments)
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HUD RELEASES TIPS FOR AVOIDING FORECLOSURE - 07/17/07 11:53 AM
HUD RELEASES TIPS FOR AVOIDING FORECLOSURE Information aimed at helping more homeowners stay in their home (From www.hud.gov)
WASHINGTON - Today, the U.S. Department of Housing and Urban Development (HUD) released its top 10 tips for homeowners who are facing foreclosure.
"These guidelines will assist homeowners who are struggling to pay their … (5 comments)
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Choking danger spurs Gerber recall - 07/17/07 11:31 AM
As a new Dad I feel obligated to pass this information on!By Nation Digest:Gerber Products recalled all packages of its organic rice and organic oatmeal cereals Friday because of potential clumping of the baby food, which can pose a choking hazard. Gerber said it has received complaints of choking but no … (1 comments)
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SEO Rankings: What my hosting company told me. - 07/17/07 11:25 AM
Rainers I could use your help.
I have been researching several new option for updating my website. Some companies offer template websites that make it easy to change your content. Alot of them offer mortgage calculators and other pretty cool functions but do not charge a high price tag. My dilemma … (16 comments)
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Two-Thirds of US Adults Believe Current Mortgage Product Advertising and Marketing Lacks Credibility - 07/16/07 03:06 PM
Please see my thoughts below:
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According to the The Harris Poll ®#70, July 16, 2007
Two-Thirds of US Adults Believe Current Mortgage Product Advertising and Marketing Lacks Credibility
The Overall Sentiment Towards Most Of The Various Mortgage Options Is Generally Unfavorable
Given all the negativity surrounding the sub-prime mortgage marketplace, it is no surprise that consumers … (7 comments)
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Proud Member of National Association of Mortgage Brokers (NAMB) - 07/15/07 02:13 PM
I am extremely excited as I just received my membership package from NAMB. I am proud to announce that I am a member of the National Association of Mortgage Brokers (NAMB). Although there are several benefits to be a member I think I am most inclined to share the CODE OF … (4 comments)
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As your Mortgage Partner, I advise you to... - 07/13/07 02:13 PM
Have you ever heard a professional say "As your ____________, I advise you to________." I am sure most people have at some point in their lives. Typically, we need advice or consultation from a Doctor, Attorney, CPA, or some other professional that is considered an expert in their field. It may … (4 comments)
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Instructions on blogging: 1. Write Blog 2. Post Blog 3. DUCK!!!! - 07/12/07 02:49 PM
Well everyone, I guess I did it! I wasn't expecting the fireworks that transpired with my post from a couple of days ago, http://activerain.com/blogsview/143466/LandAmerica-Group-Inc-suspended, but they were there, LOUD AND CLEAR! Here I believed that I was merely passing on some information that I thought our Active Rain Community should have … (7 comments)
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New HUD Unit to Oversee Lending - 07/12/07 10:46 AM
PLease see my notes below:
New HUD Unit to Oversee Lending
Washington Post (07/12/07) P. D2To look into possible discriminatory practices by mortgage companies, HUD has established a fair-lending unit staffed by an economist and five fair-lending experts. In addition to investigating complaints, the division will examine lending patterns for evidence of bias.
My … (2 comments)
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LandAmerica Group Inc. suspended by Amtrust: What is the reason? (Updated with new information) - 07/10/07 05:29 PM
Typically when I receive new updated information I would just edit my blog post but I believe with the information that Adrian Talamantes provided this deserves a new post. I have copied my original post from yesterday below also. I have included a link that Adrian was kind enough to pass along regarding the … (57 comments)
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100% Stated Guideline Changes on Seconds at Countrywide; This loan is all but gone! - 07/10/07 11:03 AM
I just received this email from our Countrywide rep. See below for my notes:
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Reduced Doc (Stated Income Verified Assets) 100% CLTV Changes As a result of further market contraction and limited liquidity, the below changes have been made to Reduced Doc (SIVA) loans > 95% CLTV. These changes are effective immediately. … (6 comments)
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Pre-Fabricated Mortgage Websites. Do they work? Which is the best? - 07/09/07 12:17 PM
I have been looking to update my mortgage website to a more interactive and comprehensive site. I have been looking at the pre-packaged type of site that includes everything. Some of them even claim to send leads. After reading the blog post by Raj Dhaliwal titled, 87 ways to make over $1000000 … (3 comments)
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Major provider of Title Services Suspended - 07/09/07 11:23 AM
I just received this notification from one of the banks we do a great deal of business with Amtrust, formerly Ohio. Amtrust is an A paper lender that also portfolios Alt A loans. This post is extremely interesting to me in that for such a large company, LandAmerica Group, Inc., to be … (14 comments)
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Nevada Commisioner of the Mortgage Lending Division announces his resignation! - 07/06/07 03:02 PM
Lending regulator plans to resign Interim commissioner named to Mortgage Lending Division By JOHN G. EDWARDS REVIEW-JOURNAL Gov. Jim Gibbons' administration is changing the top regulators over private lenders, banks and other financial institutions with the appointment of a new commissioner and the departure of another.
Scott Bice, 46, commissioner of the … (1 comments)
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100% Financing is still available: My Community 100 Program - 07/06/07 02:33 PM
There is still plenty of 100% financing available for low to moderate income households. I have been using this program alot and it is extremely flexible. I started to write a blog post about it but then I realized who better to explain the program than one of the banks that … (3 comments)
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Hey we are at the airport! Let's Party! Las Vegas Baby! - 07/05/07 03:21 PM
Everyone knows that Las Vegas is one of the most frequented destinations for anyone that wants to getaway and...uh...party and gamble! Young or old, rich or poor, foreign or domestic that is at the top of the priority list when they get here! They might say differently but trust me that … (4 comments)
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Happy Fourth of July! - 07/04/07 11:57 AM
Be safe in your celebrations!
Your mortgage partner for life,
Rey "Steak Dinner" GallegosSenior Loan OfficerFive Star MortgageEmail: rey@Steak-Dinner.comWebsite: http://www.steak-dinner.com/My Blog: http://activerain.com/blogs/steakdinnerYour complete community mortgage broker!Thank you for your referrals! … (1 comments)
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First Time Home-Buyers: Help them get ready for their first purchase! - 07/03/07 04:15 PM
I have made it a habit to help people that weren't particularly ready to purchase a new home.
I have heard so many stories about Loan Officers that would have a 2 minute conversation with someone, realize they were quite ready to buy, and kick them to the curb! They simply … (2 comments)
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Rey, why do they call you "Steak Dinner? - 07/02/07 05:35 PM
As a Mortgage Loan Officer, the hands down most asked question of me isn't about rates, programs, fees, or my experience in the industry.
It is "Rey, why do they call you "Steak Dinner"? We'll for all of those out there that want to know here it is!
When I first got … (8 comments)
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Jazz on the Lake! A real getaway! - 07/02/07 12:38 PM
For those of you in the Las Vegas area I am sure you heard of Lake Las Vegas. For those of you that are not in Las Vegas you should really find out about this hidden gem! This is how they describe it on the website:
"Sculpted from the rugged desert terrain … (1 comments)
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