best rates: What Are Points and When Should You Pay Them? - 07/21/08 10:26 AM
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best rates: Shopping for the Right Mortgage - 07/21/08 10:22 AM
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best rates: 40 year amortizations discontinued - 07/12/08 06:39 PM
Call me while you can. The 40 year amortization will be eliminated soon. Even though the Ministry is allowing until October, some of the lender have removed their 40 year amortization already. Give me a call to get your approval today and get the 40 year amortization-905-978-7283
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best rates: APPLES ARE NOT ORANGES WHEN IT COMES TO GOOD FAITH ESTIMATES (GFE) - 07/07/08 09:49 PM
When shopping for a mortgage, the general consumer can become confused when viewing the fees lenders charge. Even if you've bought or refinanced several times in the past, it can still be confusing.
It doesn't matter if you are applying for a Conventional, FHA, or VA loan. The Good Faith ESTIMATE (GFE) is very critical when … (2 comments)
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best rates: You'll Flip Over How Much You Can Save!! - 06/16/08 04:39 PM
www.1stmetropolitan.net
www.1stmetropolitan.net
With 1st Metropolitan Mortgage you expect top quality Mortgage Concierge Service at extremely competitive rates! That's our guarantee!!
Sincerely,
Joe Gonzalez
Branch Manager … (0 comments)
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best rates: Daily Rate Lock Advisory - 06/16/08 07:37 AM
This week is moderately busy with four economic reports scheduled to be released. Only one of the four is considered to be of high importance to the markets and mortgage rates. The remaining three are of interest to the markets but likely will not cause a large change in mortgage … (2 comments)
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best rates: Are Banks really better than Mortgage Brokers? - 06/02/08 12:22 PM
In my local paper (the Contra Costa Times) was an article by Barbara Hernandez,
"Mortgage Brokers Charge More Than Banks"
She cited a recent 270 page report (a 1.49 MB pdf) by HUD in which they looked at the historical costs of using a Bank vs. a Broker. It's an age … (3 comments)
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best rates: How NOT to be one of those - 05/27/08 04:44 PM
Bait and Switch Victims
Everyday there is at least one email or phone call from someone who is a victim of bait and switch on their mortgage.
This may come as a surprise to you but I'm okay with the occasional complaint about a loan officer's incompetence screwing up someone's … (4 comments)
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best rates: Reverse Mortgages... Bad or Good? - 04/17/08 07:56 PM
There are always pros and cons to almost every financial decision you make or financial service/product you buy or invest in. The same is true with a Reverse Mortgage (RM). It makes me angry when I see media/print/pundits giving negative publicity in a blanket manner about a specific product. Reverse mortgages … (3 comments)
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best rates: Because knowing more about mortgages can save you thousands of dollars - 04/14/08 08:00 PM
www.FreeMortgageReports.ca offers the Canadian Consumer access to all the information they need to you know about mortgages, because knowing more about mortgages can save you thousands of dollars.
Unlike some mortgage websites where they provide similar reports, only to harvest your name, phone number and email address, I am pleased to provide these mortgage reports free of charge … (0 comments)
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best rates: Lessons Learned - Are you doing any of this?? - 04/04/08 07:23 PM
I've copied below the results of an extensive sales rally. Great input into some things you should be doing - Enjoy the alphabetized list : )Add one individual per week to your contact list.After every showing, report to the owner the buyer's impression of the property.After you sell the house, buy … (6 comments)
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best rates: Don't Go it Alone - 04/02/08 12:32 AM
There are some skills you can learn on your own, and some you can try to learn, but if you intend to succeed, the best thing you can do is to arrange for first-rate instruction. The self-taught person is on a chancy path. Some of those who have taught themselves - … (0 comments)
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best rates: The Art of Database Management Part III: Reporting and Managing Information - 03/24/08 02:13 PM
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best rates: The Art of Database Management - Part II: Gathering Information - 03/24/08 02:08 PM
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best rates: Ask for Referrals - And Get the Answer You Want!! - 03/24/08 11:45 AM
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best rates: Credit Scoring - Part II: The Five Factors of Credit Scoring - 03/24/08 11:43 AM
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best rates: The Art of Database Management - Part I - Working Smarter!! - 03/24/08 11:39 AM
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best rates: ON-TIME! Take Time Out for Planning!! - 03/24/08 11:26 AM
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best rates: The EPA on Home Safety - Reducing the Risks - 03/24/08 11:23 AM
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best rates: Total Quality Control - Set Goals that Lead to Improvement - 03/24/08 11:22 AM
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best rates: Interest Rates - When is the Best Time to Lock? - 03/24/08 11:03 AM
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best rates: Atlanta Home Buyers - Shopping for a Mortgage! Avoid the Traps of Predatory Lending! - 03/21/08 08:38 PM
Atlanta Home Buyers - Shopping for a Mortgage! There is more to buying a home in Atlanta that looking at pretty homes! When it comes to a home buyer shopping for a mortgage in Atlanta or anyplace across the country, most of them do not have a clue what they are … (6 comments)
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best rates: Craigslist - how to post more pictures & make it more effective!! - 03/21/08 07:29 AM
I could not figure out how to do this to save my life!!! I tried & tried but couldn't get a real flyer up on craigslist or more than just one image so here it is:
1. Open up a free account with http://www.photobucket.com/2. Upload pictures to your account3. Copy the HTML … (15 comments)
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best rates: Credit Scores: Why should I Care? - 03/19/08 08:14 AM
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best rates: Fed steps in and cuts again - Bernanke pulls out all the stops to ailing economy - 03/18/08 05:02 PM
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best rates: The Optimized Website - Can Anyone Find You on the Web? - 03/17/08 12:28 PM
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best rates: Podcasts - Take Your iPOD to the Next Level!! - 03/17/08 12:22 PM
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best rates: Keyboard Shortcuts Improve Your Efficiency - 03/17/08 12:20 PM
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best rates: When the sellers aren't selling! - 03/17/08 12:16 PM
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best rates: APR - What is the REAL Cost of Financing?! - 03/17/08 08:14 AM
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best rates: Google Calendar - Managing Your Schedule Just Got Easier!! - 03/17/08 08:12 AM
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best rates: Win the War Against Clutter - Streamline Your Workspace!! - 03/17/08 08:09 AM
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best rates: The Truth About Appraisals - Knowing the Guidelines Solves the Mystery - 03/17/08 08:01 AM
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best rates: Brokers can't give you a preappproval - 03/15/08 09:03 AM
some people may view what I'm saying here as self defeating. After all, I am a broker. I guess I'm just sick & tired of all of the guys out there giving us, the brokers that work hard & are honest, a bad name. I also feel that just being honest … (3 comments)
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best rates: 100 Percent Financing to 580 still available at decent rates in California - 03/04/08 03:53 PM
A lot of people are aware of the CalHFA program, which provides 100% financing for first time home buyers (or those who have not owned for at least three years) for those who can go full doc and have a 620 fico (soo to be bumped to 680). And a lot … (1 comments)
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best rates: Best Mortgage and Interest Rate Search Site- SEO focused spidey food - 03/04/08 11:48 AM
For Low Interest Rate FHA Mortgages.
For Low Interest Rate VA Mortgages.
For Low Interest Rate Conforming Mortgages.
For Low Interest Rate FNMA Mortgages.
For Low Interest Rate Freddie Mac Mortgages.
For Low Interest Rate Fannie Mae Mortgages.
For Low Interest Rate Conventional Mortgages.
For Low Interest Rate CalHFA Mortgages.
For Low Interest Rate California Housing Finance Administration Mortgages.
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best rates: Deceptive Mortgage Ads - What "Not" To Look For When Shopping For A Mortgage - 02/11/08 05:34 PM
Mortgage rates at all time lows! Rates as low as 1.99%! Stop paying too much! We promise you the best rates! Guaranteed! Payments as low as $295! (Not an advertisement.)
It doesn't matter if you're shopping for a home loan or not you can't ignore the swarm of mortgage ads on the … (0 comments)
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best rates: As a consumer .... why do you call who you call ??? - 02/01/08 11:42 PM
How many of you just pick who you want to do business with blindly? Do you do research? Were you referred to them? Do you go with the person that promises you the best rate or no costs? Someone that promises you the best price for your house? Or do you … (14 comments)
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best rates: Do we have an epidemic on our hands? - 11/24/07 03:50 PM
How do we view ourselves? How does the public view us, our profiles, and anything else that they read?
Are we that desperate to 'rope' the consumers business into our back yard per se by such statements as :
"I have the lowest rates" "We charge no closing costs""I will get the … (52 comments)
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best rates: Resource Mortgage a Division of Resource Bank - 10/11/07 08:59 AM
Resource Mortgage a division of Resource Bank
Here at Resource we take pride in what we do.
Let me start by telling you a little about me.
I have been serving Real Estate Agents and their clients as well as people that find me on their own, here in the Hampton Roads area … (0 comments)
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best rates: Great bank, great service great programs and great rates - 10/05/07 07:55 PM
I would like to tell you the benefits I can offer. I work for a great bank with great interest rates. We have a lot of mortgage programs to help almost every customer in the marketplace. The name of the Bank I work for is Resource Bank. We are located on … (0 comments)
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best rates: What you should know about financing and the VERY BEST RATES around! - 08/15/07 12:29 PM
I went to a meeting yesterday about what's going on the mortgage world and how to protect our clients, and ourselves. Here are a few of the things that I learned, in no particular order:
Make sure the purchase agreement includes language that protects the buyer, and their deposit, in the event … (7 comments)
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best rates: FHA Mortgages..... Are they that bad or is it a bad RUMOR???? - 07/13/07 11:48 AM
Do you ever not have enough ammunition when heading into battle? Never!! For some of you, I been in the mortgage industry for over 14 1/2 years. To me, that’s a lot of miles per se.
I consider myself well versed when it comes to FHA mortgages and I guess … (30 comments)
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best rates: tip of the day - 07/04/07 08:02 PM
Consider refinancing your mortgage to pay out credit card debt. Interest rates charged on outstanding credit card balances can be very high. With rates ranging from 12% to 28%, it will take much longer to pay the debt off and you will be paying mostly interest charges to the financial institution. … (2 comments)
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best rates: me me'd - 06/26/07 09:19 AM
--To respond to an meme that was sent to me by Shawn McElhinney asking for five things about me and which gives me the opportunity to tag three others to do likewise. Here goes...
1. Right out of High School I gained employment with UPS. After 15 years I decided that I could not … (2 comments)
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best rates: Looking for the right program/software - 06/16/07 02:27 PM
With technology changing, all my faxes now get emailed to me as PDF attachments. What I'd like to do is take all the faxes (emailed PDF's in this case) and combine them together and turn them into one PDF so that I can then email that to the bank. Typically, I … (4 comments)
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best rates: In some parts of the country short sales are becoming common place. - 05/04/07 05:14 PM
In some parts of the country short sales are becoming common place.
It’s important that you define a set of boundaries or rules that you adhere to in this type of situation.
These are Six Musts To Work On A Short Sale.
Do you have any to add?
1. The … (0 comments)
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best rates: Carl and Joan bought a house with no jobs!! - 05/02/07 03:27 PM
Carl and Joan bought a house with no jobs!!
I know this is hard to believe, but we recently helped a couple who were moving to the Burnaby area to be near their family, but did not have jobs yet....
They had sold their home in Kelowna, and e-mailed us to … (0 comments)
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best rates: 7 things To Do Before You Spend Money On Any Direct Response Ad… - 04/26/07 09:55 AM
Before you spend your money on any form of advertising looking for new customers there are seventhings you should do first to make sure you get the most from your marketing dollars. Broken down into 7 posts for easy reading : 0
1. Know your outcomeEvery aspect of your marketing needs a … (2 comments)
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best rates: Who's Packing Your Parachute? - 04/23/07 11:56 AM
Who's Packing Your Parachute?
Every now and then I hear a story that is so great I just have to pass it on to the people I care about. Here it is:
Charles Plumb was a U.S. navy jet pilot in Vietnam. After 75 combat missions his plane was destroyed … (1 comments)
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best rates: Valuable and Little Known Ways to Improve Your Credit Scores ... - 04/22/07 09:55 PM
Valuable and Little Known Ways to Improve Your Credit Scores ...
It is becoming increasingly important to have a good credit rating. Just a one point difference such a 679 versus a 680 middle credit score can mean a difference of thousands of dollars of interest costs to you. Even … (0 comments)
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best rates: Mortgage Rates are Up...Smile it's "Good" news... - 02/08/07 12:40 AM
A lot of my clients ask me... "Keith, why do rates fluctuate on a daily basis?" ...A lot of people ask me this with a lot of suspect...Some are very skeptical, that somehow, I am not being completely forthcoming with the rates I have on a particular day since I can … (5 comments)
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best rates: Wells Fargo The Biggest Servicer in the country! - 10/17/06 01:51 PM
Wells Fargo & Co. leapfrogged past Countrywide Financial Corp. to become the biggest residential servicer in the country. Read more @ http://www.mortgagedaily.com/index.asp?spcode=google
It feels good to be #1
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best rates: A Predatory Lending Bill that is SLATED for 2007 & what does this mean........ - 10/14/06 04:55 PM
It starts with the Republican and Democratic leaders on the House Financial Services Committee. They are planning to make predatory lending legislation a major priority next year, regardless of the outcome of the November elections.
Now, with this in mind, whose better interest do they truly have in mind; the borrower … (6 comments)
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