joe gonzalez: What Lenders Look for in Home Loan Applications - 07/21/08 10:30 AM
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joe gonzalez: Planning Your Mortgage and Seeking Pre-approval - 07/21/08 10:28 AM
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joe gonzalez: What Are Points and When Should You Pay Them? - 07/21/08 10:26 AM
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joe gonzalez: Interest Rates - When is the Best Time to Lock? - 07/21/08 10:24 AM
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joe gonzalez: Shopping for the Right Mortgage - 07/21/08 10:22 AM
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joe gonzalez: How Purchase Loans Are Made - A Step-By-Step Walkthrough - 07/18/08 12:38 PM
You are receiving this email as a result of your ongoing business relationship with Joe Gonzalez. While beneficial to a wide audience, this information is also commercial in nature and it may contain advertising materials.UNSUBSCRIBE. In the unlikely event you decide that you would not like to receive this … (4 comments)
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joe gonzalez: How Much Money Should You Borrow? - 07/18/08 12:36 PM
You are receiving this email as a result of your ongoing business relationship with Joe Gonzalez. While beneficial to a wide audience, this information is also commercial in nature and it may contain advertising materials.UNSUBSCRIBE. In the unlikely event you decide that you would not like to receive this … (0 comments)
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joe gonzalez: Healthy Eating Tips - 06/17/08 10:28 AM
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joe gonzalez: The Art of Happiness - Making Each Day Your Best - 06/16/08 07:44 AM
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joe gonzalez: Beyond the Entrepreneur - Becoming a Business Owner - 06/16/08 07:42 AM
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joe gonzalez: Should I Stay or Should I Go? - 5 Reasons Why Employees Leave - 05/19/08 06:44 AM
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joe gonzalez: Daily Rate Lock Advisory - 05/19/08 06:37 AM
This week brings us the release of only three pieces of economic news in addition to the minutes from the last FOMC meeting. Only one of those three can be considered of high importance to the markets and mortgage rates, so we may see a fairly calm week for mortgage … (0 comments)
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joe gonzalez: Interest Rates - When is the Best Time to Lock? - 05/19/08 06:35 AM
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joe gonzalez: Knowing When to Say No - Position Yourself to Work with High-End Clientele - 05/16/08 08:07 AM
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joe gonzalez: Personal Note Cards Send Out the Personal Touch - 05/16/08 08:05 AM
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joe gonzalez: Creating Your Image - First Impressions Make an Impact - 05/16/08 08:04 AM
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joe gonzalez: Marketing to the Better Half - Don't Leave Spouses Out of the Equation - 05/16/08 08:03 AM
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joe gonzalez: Tips for a More Productive Commute - 05/16/08 08:02 AM
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joe gonzalez: The Credit Crunch and Student Loans - 05/16/08 07:59 AM
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joe gonzalez: I'm looking for ideas to post on Craigslist specific to Mortgage brokers - 05/15/08 09:58 PM
I'm just curious to see what others are doing to get business from Craigslist. I mean I post ads for people using a full flyer that is done in HTML code with a link that goes directly to my website however, I'm just not get many leads. So I need some … (2 comments)
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joe gonzalez: House Passes Sweeping Legislation to Rescue Homeowners - 05/12/08 08:06 AM
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joe gonzalez: FHA - Big Change For Upfront Mortgage Insurance Premiums - 05/12/08 08:03 AM
The Federal Housing Administration will start charging upfront mortgage insurance premiums based on the borrower's credit score and down payment starting July 14, according to the Department of Housing and Urban Development. Upfront premiums paid at closing will range from 1.25% to 2.25% under the new pricing schedule that will apply … (2 comments)
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joe gonzalez: Learn from Your Success - Focus On Strengths Rather Than Weaknesses - 05/12/08 07:46 AM
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joe gonzalez: Do You Think You Need a Ton of Money to Buy a Home?!! - 05/08/08 04:01 PM
Call 1-888-905-3726 today for your free report!!
www.stoprentingalready.com
Call 1-888-905-3726 today for your free report!!
www.stoprentingalready.com
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joe gonzalez: When Your Lease Is Up, Where Will You Live? - 05/08/08 03:57 PM
Call 1-888-905-3726 today for your free report!!
www.stoprentingalready.com
www.stoprentingalready.com
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joe gonzalez: Stop Renting Already!! - 05/08/08 03:55 PM
Call 1-888-905-3726 today for your free report!!
www.stoprentingalready.com
www.stoprentingalready.com
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joe gonzalez: Tired of Just Treading Water?! - 05/07/08 02:02 PM
www.1stmetropolitan.net
www.1stmetropolitan.net
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joe gonzalez: Looking For A New Den? - 05/07/08 02:00 PM
www.stoprentingalready.com
www.stoprentingalready.com
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joe gonzalez: Looking For a New Den? - 05/07/08 01:58 PM
www.stoprentingalready.com
www.stoprentingalready.com
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joe gonzalez: Stop Renting Today!! - 05/07/08 01:56 PM
www.stoprentingalready.com
www.stoprentingalready.com
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joe gonzalez: Looking For a New Den? - 05/07/08 01:54 PM
http://www.stoprentingalready.com/
http://www.stoprentingalready.com/
Don't delay, buy a new home today!! You owe it to yourself & your family. We have competitive rates, great programs, & common sense underwriting!! Talk to Joe Today!!
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joe gonzalez: Open Your Mind to Wealth - Quieting Your Critic - 05/06/08 09:07 AM
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joe gonzalez: The Mindset of a Superstar - Three Steps to Success - 05/06/08 09:04 AM
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joe gonzalez: Making Dreams a Reality - Shaping Your World By Thought - 05/06/08 09:03 AM
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joe gonzalez: Influencing Others - What Everyone Should Know - 05/06/08 09:02 AM
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joe gonzalez: The Balancing Act - Family, Work and You - 05/06/08 09:01 AM
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joe gonzalez: Proactive or Reactive? - It's up to You - 05/06/08 09:00 AM
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joe gonzalez: Clear Your Mind - Productivity Will Follow - 05/06/08 08:59 AM
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joe gonzalez: True Friendship Is None of that Sissy Stuff - 05/06/08 07:45 AM
This is the guy's version of a friendship poem. Actually my fiancee sent me this which truly shows why I love that woman!
Are you tired of those sissy 'friendship' poems that always sound good, but never actually come close to reality? Well, here is a series of promises that actually speak of … (8 comments)
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joe gonzalez: Countering Objections - Know Why People Say No - 05/05/08 08:06 AM
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joe gonzalez: Baby Boomers Retire - Reverse Mortgages Gain Popularity - 05/05/08 08:04 AM
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joe gonzalez: What Are Points and When Should You Pay Them? - 05/01/08 04:08 PM
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joe gonzalez: High Credit Score = Low Mortgage Rate - 05/01/08 04:07 PM
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joe gonzalez: Various Ways to Hold Title to Real Property - 05/01/08 04:05 PM
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joe gonzalez: Building A Referral Network - How to Reach Out to Those Around You - 04/21/08 10:07 AM
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joe gonzalez: Clear Your Mind - Productivity Will Follow - 04/21/08 10:06 AM
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joe gonzalez: Increasing Your Hourly Rate of Pay - Working with Purpose - 04/21/08 10:04 AM
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joe gonzalez: Be the Gate Keeper - Take Control of the Lead - 04/21/08 10:02 AM
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joe gonzalez: Personality Profiling - High C: The Compliant Engineer - 04/21/08 08:28 AM
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joe gonzalez: Personality Profiling - High C: The Compliant Engineer - 04/21/08 08:27 AM
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joe gonzalez: Personality Profiling - High S : The Loyal Supporter - 04/21/08 08:24 AM
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joe gonzalez: Personality Profiling - High I: The Influencer - 04/21/08 08:21 AM
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joe gonzalez: Personality Profiling - High D: The Driving Force - 04/21/08 08:20 AM
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joe gonzalez: The Federal Reserve and Mortgage Rates - Understanding What Causes Interest Rate Movement - 04/21/08 08:10 AM
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joe gonzalez: Drip-Marketing Campaigns for FSBOs - Be There When They Seek a Professional's Help - 04/14/08 11:28 AM
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joe gonzalez: Creative Tax Tips for Real Estate Agents - Money-Saving Ideas You Won't Want to Miss - 04/14/08 11:26 AM
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joe gonzalez: Beyond the Entrepreneur - Becoming a Business Owner - 04/14/08 11:21 AM
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joe gonzalez: Countering Objections - Know Why People Say No - 04/14/08 11:20 AM
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joe gonzalez: Learn from Your Success - Focus On Strengths Rather Than Weaknesses - 04/14/08 11:18 AM
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joe gonzalez: Sell Yourself to Prospects - Be a Great Listener - 04/14/08 11:17 AM
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joe gonzalez: Negotiating Like a Billionaire - Donald's Do's and Dont's - 04/14/08 11:16 AM
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joe gonzalez: Actions Speak Louder Than Words - Make a Great Impression with the Right Body Language - 04/14/08 09:23 AM
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joe gonzalez: Make Your Next Open House a Winner - Provide Prospects with Finance Options - 04/11/08 08:41 AM
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joe gonzalez: Invest in Your Business - Think Like a CEO, Not an Employee - 04/11/08 08:40 AM
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joe gonzalez: Setting Goals and Tracking Results - Success is a Numbers Game, but Discipline Drives the Process - 04/11/08 08:38 AM
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joe gonzalez: Mike Ferry on Success in the New Market - Achievement through Sharpened Skills - 04/11/08 08:37 AM
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joe gonzalez: The Real Estate Investor's Sidekick - How to Be the Magnate's Best Friend - 04/11/08 08:35 AM
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joe gonzalez: The Perfect Purchase Transaction - It All Starts with a System - 04/10/08 06:29 PM
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joe gonzalez: Six Ways to Make People Like You - Start by Liking Them!! - 04/10/08 06:27 PM
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joe gonzalez: Client Referral Letter - Help Your Clients Send You Referrals! - 04/10/08 06:19 PM
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joe gonzalez: I'm planning my honeymoon - recommendations?? PLEASE!! - 04/07/08 08:56 AM
Okay, so I'm working crazy hours getting production up & getting loans to close. I have too much to do & little time to do it. I'm getting married in August & STILL haven't scheduled the honeymoon. I figured that instead of going to a vacation planner I would ask my … (9 comments)
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joe gonzalez: Annual Percentage Rate - What is the Real Cost of Financing? - 04/07/08 08:36 AM
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joe gonzalez: Identity Theft: 5 Tips to Protect Your Privacy - 03/31/08 10:04 AM
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joe gonzalez: Power Reading for Real Estate Agents! - 03/31/08 10:01 AM
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joe gonzalez: Personality Profiling - Plugging into What Others Want! - 03/31/08 10:00 AM
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joe gonzalez: Testimonials: How to Market Success - 03/31/08 09:55 AM
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joe gonzalez: Tips for Handling Disgruntled Clients - 03/31/08 09:52 AM
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joe gonzalez: Get to the IRS on Time: Even If You Can't Pay - 03/31/08 09:51 AM
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joe gonzalez: The Short Sale - A Unique Selling Proposition for Real Estate Agents - 03/31/08 09:47 AM
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joe gonzalez: Abbott & Costello on computers!! This is hilarious!! - 03/31/08 07:46 AM
Just a little something that I received via email so I wanted to share. It is truly fantastic!!
You have to be old enough to remember Abbott and Costello, and too old to REALLY understand computers, to fully appreciate this. For those of us who sometimes get flustered by our computers, please read on.. … (8 comments)
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joe gonzalez: Lead Follow-Up Campaigns - Never Give Up On a Lead! - 03/31/08 07:15 AM
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joe gonzalez: Tax Write-offs to Remember: Deductions in the Loan Process - 03/31/08 07:09 AM
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joe gonzalez: Mortgage Creative Writing Challenge: I can get anyone approved! 100% financing stated w/600 score - 03/28/08 11:55 PM
Mortgage Broker's Office June of 2005:
So you say that you want to buy a house & you have no money to work with?
NO PROBLEM!! We have stated income loans up to 100% financing with a 6% seller assist!
You are recently self employed?
NO PROBLEM!! As long as you have more than 2 … (8 comments)
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joe gonzalez: PA & NJ FHA shouldn't be that hard - 03/26/08 01:11 PM
FHA shouldn't be that hard - talk to us on your turned down loans (edit/delete)
I've have been running into quite a few realtors lately that have been telling me that they are having problems with their FHA & Conforming loans getting turned down by the banks or that they have … (0 comments)
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joe gonzalez: ARM Indexes: A 10 year Comparison - 03/25/08 07:36 AM
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joe gonzalez: To Sleep, Perchance to Dream - Tips for Better Sleeping Habits! - 03/25/08 07:18 AM
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joe gonzalez: The Art of Database Management Part III: Reporting and Managing Information - 03/24/08 02:13 PM
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joe gonzalez: The Art of Database Management - Part II: Gathering Information - 03/24/08 02:08 PM
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joe gonzalez: Ask for Referrals - And Get the Answer You Want!! - 03/24/08 11:45 AM
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joe gonzalez: Credit Scoring - Part II: The Five Factors of Credit Scoring - 03/24/08 11:43 AM
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joe gonzalez: The Art of Database Management - Part I - Working Smarter!! - 03/24/08 11:39 AM
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joe gonzalez: ON-TIME! Take Time Out for Planning!! - 03/24/08 11:26 AM
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joe gonzalez: The EPA on Home Safety - Reducing the Risks - 03/24/08 11:23 AM
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joe gonzalez: Total Quality Control - Set Goals that Lead to Improvement - 03/24/08 11:22 AM
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joe gonzalez: The Key to Creating Intimacy - Use a Concierge Form - 03/24/08 11:14 AM
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joe gonzalez: Interest Rates - When is the Best Time to Lock? - 03/24/08 11:03 AM
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joe gonzalez: Nurture your credit - sign up for more info - 03/21/08 07:37 AM
In today's tough market, buying or refinancing a home without good credit is becoming more and more challenging. Because of this, I'd like to send you some valuable information on how to increase your credit scores and lower your credit costs for good. To receive this important data, click on the … (0 comments)
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joe gonzalez: 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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joe gonzalez: With More & More Traffic Building Up Everywhere I thought this article was timely - 03/20/08 10:28 PM
KEEPING CALM IN Traffic Chaos
Jaime, a taxi driver in Madrid, Spain, has had to live with traffic jams for over 30 years. Here is how he keeps cool in aggravating situations:
I take something with me to read. Then if the traffic doesn't move at all, I don't get so frustrated. … (2 comments)
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joe gonzalez: Why Be TRUTHFUL - 03/20/08 10:23 PM
I thought this article was great especially when taking into consideration the type of business we are all in.
Why BeTRUTHFUL?
AT 18 years of age, Manfred was an office trainee.* The company he worked for arranged for him and several other trainees to attend a vocational college two days each week. … (2 comments)
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