mortgage: Thinking of Moving To Frederick County, Maryland ? - 08/20/08 08:53 PM
If you're considering moving or re-locating to Frederick County, MD.including Frederick, Thurmont, Sabillasville, Emmitsburg, Brunswick and Jefferson...... please visit: www.jimsellshouses.com
You'll find everything you need to know:
Property Search - You can enter your own criteria and search for Detached homes, Townhouses or condos that match what you're looking … (0 comments)
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mortgage: Subscribe to Donna's Got Money and Join Group "Got Money?" to win (and Learn). Kenny Loggins ticket contest winners announced. - 08/20/08 08:12 PM
Activerainers, subscribe to my blog DONNA'S GOT MONEY ! Everyone who subscribes to my Donna's Got Money blog will be entered into a drawing for a Starbucks gift card, which we will draw for and give away next week. Realtors, contests have been my most successful marketing strategy to date, but I've got … (2 comments)
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mortgage: The Sky is Not Falling for Mortgage Financing-Recent Changes Discussed - 08/20/08 07:34 PM
However, there are lots of changes in the mortgage world that those looking to buy or sell a home should be aware. First, let me say, mortgage underwriting is really based on common sense -does it make sense? Will the buyer be able to afford to make the payments on this … (0 comments)
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mortgage: Recovering From Foreclosure - 08/20/08 07:25 PM
The post-foreclosure requirements have recently changed to qualify for a new mortgage. However, there is life after a foreclosure! FHA loans only require 3 years to have passed unless an exception is granted based on extreme circumstances which vary on a case by case basis. Fannie Mae/Freddie Mac now requires 5 years … (0 comments)
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mortgage: Is It Harder to get a Home Loan? Minnesota Public Radio Would Like YOUR Opinion! - 08/20/08 03:57 PM
With all of the seemingly continuous changes in the mortgage industry recently, Minnesota Public Radio (MPR) is asking the question, "Are home loans harder to get?" As part of their Public Insight Network, MPR wants real answers from real people like you. It is an opportunity to share what you know … (2 comments)
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mortgage: Interest Rates Don't Matter!! - 08/20/08 03:09 PM
Yep that's right I say that with bold bravado and as a real estate investor myself. The general public and many in the real estate industry themselves have been trained to look at interest rates. All we ever see in the media is rates, rates, rates and more rates. Well there is … (1 comments)
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mortgage: Home Refinancing Basics: Strongsville Real Estate - 08/20/08 02:31 PM
Posted by: CJ Harrington
Date: 08/20/08
In recent years, millions of homeowners have taken advantage of low rates and refinanced their mortgages. Still, many are unaware of the many pitfalls in refinancing.
Remember
Remember that refinancing to reduce debt can be a smart move, but refinancing in order to borrow more … (0 comments)
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mortgage: The Mortgage Market's Abnormal Reaction To July's Producer Price Index Reading - 08/20/08 02:11 PM
The Producer Price Index is a business inflation meter and it's now up 9.8 percent annually.
This is a huge number for PPI and represents the highest year-over-year rate of inflation since 1981.
Normally, blowout inflation like this would be terrible for mortgage rates but mortgage markets are actually improved since Tuesday's data release.
Usually, … (0 comments)
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mortgage: From the FDIC... - 08/20/08 01:55 PM
From the FDIC: Loan Modification Program for Distressed Indymac Mortgage Loans. A couple of excerpts:
What loans are eligible? The streamlined loan modifications will be available for most borrowers who have a first mortgage owned or securitized and serviced by IndyMac Federal where the borrower is seriously delinquent or in default. … (0 comments)
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mortgage: Mortgage Applicants Choose Less Risky Loans - 08/20/08 10:52 AM
The Mortgage Bankers Association announced yesterday that more than 29 percent of July 2008 mortgage loans were for government-insured loans (mostly from the Federal Housing Administration). That's up from the 8.4 percent during July of last year. MBA announced that the July numbers show a steady increase since January of this … (0 comments)
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mortgage: Do yourself a favor! Call your L.O. and find out what has (or hasn't) changed. - 08/20/08 10:29 AM
My head has been spinning for months. There is so much information and dis-information going around that I strongly recommend you call your favorite Loan Officer and ask some questions. Where to start:
1.Get clarification on FHA. Ask your lender when the programs are changing and how far along in the … (4 comments)
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mortgage: Are you ordering Appraisals at the time of listing? - 08/20/08 10:19 AM
I may be off-track on this, but I have asked 10 Agents in the last 2 weeks the following question:
"Are you ordering an appraisal at the time that you list a home for sale?"
The only answer that I have received so far is a resonding "NO."
When I ask … (0 comments)
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mortgage: Remington Financial Group - Advisory Services - 08/20/08 10:16 AM
Advisory Services
Leverage Remington Financial Group's Expertise and Market Knowledge to Make Your Project a Success
Remington's expert Advisory Services help clients carefully evaluate and restructure transactions that may have existing financing challenges. Our team develops advanced strategies to create new and alternative financing opportunities that can help supplement or … (0 comments)
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mortgage: Mortgage Lender: Should You Become One? - 08/20/08 10:13 AM
ONE OF MY WEEKLY COLUMNS:
Summary: A Georgia home owner inherited a house in California from an elderly relative. The home owner wants to reward the relative's caregiver by selling her the home despite her bad credit. The home owner says he's willing to be the mortgage lender to the caregiver. … (0 comments)
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mortgage: Letting Go - 08/20/08 09:40 AM
Today, whether due to a change in the biological clock, or finishing the process of my son's college send-off, I had one of those rare moments where two dissimilar things have a similar outcome. I was struck oddly by the thought of attachments, to things and to people which become … (0 comments)
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mortgage: Mobile / Manufactured Home Loans - Florida - 08/20/08 09:13 AM
Manufactured / Mobile home financing is better left to the experts. This type of property is just DIFFERENT and, like anything else, if you do it every day you get REAL good at it. I've done financing on 1965 single wides, 100% VA purchases, tons of loans for homes in 55+ parks on … (0 comments)
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mortgage: Build a Real Estate Dream Team! - 08/20/08 07:35 AM
It's that time of year!
I am a Fantasy Football nut. I love the NFL and I'm almost as fanatical about the idea of drafting and managing my own virtual team. I'll be honest...I am so brainwashed by this obsession that I've been thinking of a way to blog about FF … (2 comments)
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mortgage: How Important Is A Credit Score - 08/20/08 02:46 AM
Credit scores have always been important, no matter what a person was buying. They are more important now than ever; especially to someone considering a home purchase.
A recent study has shown that most people do not understand how credit scores are determined or how they affect them.
Credit Scores can … (0 comments)
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mortgage: The New Word In Mortgages: Risk Based Financing - 08/20/08 02:23 AM
Risk-based financing is not the new buzz word in the mortgage industry; it is now the defining word when it comes to real estate loans.
What does it mean?
Who does it affect?
What does it affect?
What does it mean? Risk-based financing means that borrowers will be charged loan fees … (0 comments)
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mortgage: Market Rejection After One Hundred Sixty Days - 08/20/08 12:14 AM
We all want the highest price we can get for our property. We have seen that home prices have always risen in the past so it's highly likely we will overprice our property. Please don't allow yourself to be ensnared in the overpricing trap.
It's unfortunate you won't know your property … (0 comments)
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mortgage: The FHA Refinance Process - 08/19/08 11:21 PM
You already own a home, so you're at least somewhat familiar with the mortgage process. You now want to refinance your mortgage and are considering an FHA-insured mortgage. You'll find out that refinancing through FHA is the same as applying for any other loan, plus you have many more protections and … (0 comments)
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mortgage: Fannie Mae and Freddie Mac on the ropes - 08/19/08 10:56 PM
The two mortgage heavyweights have been the backbone of U.S. housing finance scene for decades and have provided the intended liquidity to the market. This in turn allowed more people to buy a home to live in, the ultimate goal of the system. Then in the early 2000's the real estate … (4 comments)
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mortgage: New marketing website launched for loan officers - 08/19/08 10:41 PM
… (4 comments)
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mortgage: Weekly Update August 18, 2008 - 08/19/08 07:43 PM
Estimated rates for the week of August 18, 2008*
30 yr fixed conforming 6.250 - 6.375
30 yr jumbo 6.625 to 600k
7/1 jumbo 5.750 - 5.875
OR VA 5.375 - 5.500
OR State Bond 6.000 FHA or Conventional
Rate markets are staying steady. That's our good news for the week. … (1 comments)
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mortgage: Weekly Update August 18. 2008 - 08/19/08 07:41 PM
Estimated rates for the week of August 18, 2008*
30 yr fixed conforming 6.250 - 6.375
30 yr jumbo 6.625 to 600k
7/1 jumbo 5.750 - 5.875
OR VA 5.375 - 5.500
OR State Bond 6.000 FHA or Conventional
Rate markets are staying steady. That's our good news for the week. … (0 comments)
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mortgage: "A Promise is a Promise" - 08/19/08 06:15 PM
"a promise is a promise"
That is what you need to know about Magellan Mortgage.
My sales approach is one based on consultation and presenting options. Once we decide on an option - that product, rate, term and fee is delivered on at closing. Each client is treated with … (0 comments)
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mortgage: Bank Loco Realty? - 08/19/08 04:14 PM
Banks in real estate? In a blog I read yesterday, the author was discussing that possibility and it got me thinking. Would that be so bad? How would it be different from Merrill Lynch or Prudential owning real estate companies?
Imagine with me.....you now work in real estate sales with Bank … (0 comments)
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mortgage: Skinny Skoop on Housing Relief Tax Credit - 08/19/08 12:40 PM
Last month Mr Bush signed HR 3221 the American Housing Rescue and Foreclosure Prevention Act into law. It brings tax breaks for homeowners and tax credit for first time home buyers.This is a great tool for consumers. A Tax refund back into the pockets of buyers. The federal government will credit … (0 comments)
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mortgage: Buyer's Market - 08/19/08 12:39 PM
For those of you who own your home, celebrate!!!! And for those of you who still rent, don't fret, there are options for you. Contact me for your mortgage options - 910-228-7639 or SWinn@ShorelineFunded.com and contact Barbara Earley at Exit Homeplace Realty - 910-367-2381 or BarbaraEarley@RealExit.com. Barbara will find your Dream Home … (0 comments)
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mortgage: 10-year treasury and mortgage rates... - 08/19/08 12:21 PM
Long, long ago in a market far, far away, many people in my industry would track the 10-year treasury to determine mortgage rates for their clients on a daily basis. Rates, as I'm sure you're all aware, change daily, much like the stock market. Typically(it's hard to say typically anymore), the … (0 comments)
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mortgage: Stop Foreclosure - 08/19/08 11:37 AM
Stop Foreclosure. Help Available Today. Eliminate The Stress. Salvage Your Credit.
We specialize in helping our clients stop foreclosure. We understand that there are many reasons why homeowners sometimes are unable to pay their mortgages and every situation is unique. At The Avery Group we take the time to meet with … (0 comments)
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mortgage: Another twist on lower home prices - 08/19/08 11:25 AM
I just found this article on Fool.com. I read the articles here sometime but I don't always pay too much attention to their stock recommendation because they sell advertising and newsletters and such that I believe taints their opinions.
This article talks of the writers Home Equity Line of Credit. He … (7 comments)
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mortgage: Down Payment Assistance Programs are Gone, and That's GREAT! - 08/19/08 09:00 AM
For the past few weeks, many people have blogged and blogged about the Housing Recovery Act President Bush signed in July which would put an end to the Down Payment Assistance Programs. Almost everything I read is about how we should save these programs. Do people understand why it's a good … (13 comments)
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mortgage: Sluggish Economy to say the least - 08/19/08 06:56 AM
There are many questions out there now regarding our economy and the housing market. The first question that comes to mind is why are gas prices still hovering around $4 per gallon??? Oil prices (the per barrel price) has now fallen in excess of 20% over the past 30 days. At the … (0 comments)
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mortgage: Diagnosis: Olympics Induced Insomnia - 08/19/08 02:46 AM
I need a new twelve step group. Hi, my name is Donna Mitchell and I'm addicted to the Olympics. If the games weren't only a couple of weeks, I might need professional help to get some sleep! I'll be speaking at the sales meeting of Nashville's Prudential Woodmont Realty (www.woodmontrealty.com) in the … (2 comments)
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mortgage: Fannie and Freddie Could Further Hamper Buyers' Financing. - 08/18/08 09:23 PM
Fannie Mae and Freddie Mac's quasi-government status has always been a sore point for free market investors. It now looks like the biggest buyers of Mortgage-Backed Securities are pulling back from their stated purpose as organizations.
Both groups were created to buy loans from banks, thereby freeing up the banks' funds … (18 comments)
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mortgage: FHA 203(k) - Benefits to the Realtor for HUD & REO Buyers - - 08/18/08 06:58 PM
203(k) Interesting Facts
According to the National Association of Home Builders - American spent $215 billion on residential remolding in 2005.
"1 out of every 2 existing homebuyers do major improvements within 24 months of purchase"
National City Mortgage is the 2nd largest 203(k) lender in the country!
Benefits of … (0 comments)
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mortgage: Amerisave Mortgage And The New Era In Loan Origination For Realtors - 08/18/08 05:35 PM
"My goal for you, the real estate agent or broker is to help you...
Add more personal value to your customer
Manage and control the customer experience
Increase referrals and gain customers for life
Make more money doing what you already do
Be a source of information for your customer … (0 comments)
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mortgage: MYAMSCO Mortgage Update - 08/18/08 02:50 PM
Cincinnati OH- The mortgage industry continues to change and July was no exception. As reported, President George Bush signed an historic bill this month aimed to protect home owners facing foreclosure, insurance for Fannie Mae and Freddie Mac and assistance for home buyers looking to buy a home for the first … (0 comments)
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mortgage: Paying It Forward - What does it mean? - 08/18/08 01:30 PM
I've spoken to a few people that, when I explained the idea of paying it forward, had no idea what I meant. I took it for granted that everybody has seen the movie or read the book. Paying it forward simply means giving without expectation, but generally deriving a great … (2 comments)
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mortgage: Interesting comments from a Federal Reserve Governor... - 08/18/08 01:09 PM
Though the Bush administration was looking to Fannie and Freddie to turn around the U.S. housing market and avert a recession, former Federal Reserve Governor Susan Bies said, "they really are helping to pull the market down rather than being source of strength at this time.""They are going to be pressed … (2 comments)
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mortgage: Documents Needed to Apply For A Mortgage - 08/18/08 01:01 PM
For first time homebuyers and even buyers who currently own a home, applying for a mortgage can be daunting. It is easier if you have an idea about the documentation that you will need to supply in order to obtain a mortgage.
You will need the following documents:
The signed contract … (1 comments)
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mortgage: Here is some perspective, Ying-Yang "Fundemental" Analysis-"Technical" Analysis - 08/18/08 11:54 AM
Market Comment - Week of August 18th, 2008Mortgage bond prices rose last week pushing mortgage interest rates lower. Stronger than expected consumer price index data did little to help alleviate inflation fears. CPI rose 0.8%, higher than the expected 0.4% increase. The core, which excludes volatile food and energy prices, rose … (3 comments)
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mortgage: Remington Financial Group - 08/18/08 10:24 AM
Remington Financial Group
Remington Financial Group has built its success upon well-established relationships with highly regarded domestic and foreign based private and institutional capital sources. Our extensive lender network combined with market expertise and a highly disciplined due diligence and transaction process means our clients benefit from integrated, seamless financing … (0 comments)
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mortgage: Co-op or cooperative financing in mobile home parks - 08/18/08 09:49 AM
Manufactured / Mobile home financing is better left to the experts. This type of property is just DIFFERENT and, like anything else, if you do it every day you get REAL good at it. I've done financing on 1965 single wides, 100% VA purchases, tons of loans for homes in 55+ parks on … (0 comments)
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mortgage: Getting Pre-Approved for a Mortgage - 08/18/08 08:49 AM
The pre-approval process establishes an important relationship between you and your lender and gives you credibility with your real estate agent and with sellers. Most agents will not take you seriously until you are pre-approved since otherwise it would be a waste of their time and yours. During the pre-approval process, you will speak … (0 comments)
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mortgage: FHA 203k Streamline "The Process" .... So...So...Simple! - 08/18/08 01:43 AM
HUD's 203(k) program can help and allow you to purchase or refinance a property plus include in the loan the cost of making the repairs and improvements.
The 203k Streamline Process:
A potential homebuyer locates a fixer-upperand executes a sales contract after doinga feasibility analysis of the property with … (2 comments)
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mortgage: FHA 203k Streamline eligible improvements & properties - 08/18/08 12:03 AM
The FHA 203(k) Streamline program is intended to facilitate uncomplicated rehabilitation and/or improvements to a home. Consultants, engineers and/or architects are not required..
eligible improvements
The 203(k) Streamline program includes the discretionary improvements and/or repairs shown below:
Repair/Replacement of roofs, gutters and downspouts
Repair/Replacement/upgrade of existing HVAC systems
Repair/Replacement/upgrade of plumbing and electrical … (1 comments)
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mortgage: FHA 203k for rehabilitation & repair - 08/17/08 09:41 PM
203(k) - How It Is Different
Most mortgage financing plans provide only permanent financing. That is, the lender will not usually close the loan and release the mortgage proceeds unless the condition and value of the property provide adequate loan security. When rehabilitation is involved, this means that a lender … (0 comments)
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mortgage: Bankruptcy Chapter 13 Refinance FHA Buyout Mortgage - 08/17/08 08:56 PM
About 2 million families in the United States have filed for bankruptcy between 2002 and 2003. If you have recently filed for Chapter 13 bankruptcy in the previous 12 months, you are probably having difficulties getting credit approval, especially for a Bankruptcy home loan. You may find a lender that will work with you but … (0 comments)
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mortgage: St. Louis Real Estate-Market Watch August 16th, 2008 - 08/17/08 07:03 PM
The St. Louis Real Estate Market this week continues our summer of 2008 trends as we see fewer homes coming on the market again. However, we are seeing a few more homes selling this week as our pending ratio inches up to 14.18 percent. Our list prices and sales prices are holding … (0 comments)
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mortgage: Should I lock or Should I float my loan this week August 17, 2008 - 08/17/08 05:58 PM
I am always asked this question, and it isn't always an easy one to answer, especially in today's environment. If you just put contracts in on a house this weekend and you are applying for a loan I would advise that you lock in at the application if you are closing … (4 comments)
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mortgage: August 17-22 Market news. What is Happening in the Interest Rate Market? - 08/17/08 05:53 PM
What is Happening in the Interest Rate Market?
The Market has been in turmoil with investors being overly cautious to invest in anything with the word "mortgage" attached to it. And it is this pessimism that is leading the movement in the markets more so than the economic data. The problem … (5 comments)
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mortgage: How To Handle A Buyer That Wants The Seller To Hold A Mortgage - 08/17/08 02:26 PM
In some real estate transactions, the buyer will ask the seller to hold a mortgage on the property. This is commonly referred to as a 'vendor takeback'. There are some questions that have to be answered to determine whether it is a good idea or not.
The seller has the following to … (0 comments)
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mortgage: Don't put your listing under risk with Prequalification Letters "Not Verified" - Now you can look more professional in front of your seller! - 08/17/08 10:52 AM
You got a new listing and now you need to try your best to sell this home, later on you get 4 offers with their Prequalification Letters..., now, your seller asked you about which offer is the best one, stronger and solid..., what to say?..., don't worry, now you have the … (20 comments)
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mortgage: $7500 funny money and other mortgage rants... - 08/17/08 07:29 AM
Yes, finally, the trick is being found out.
Not a single buyer of mine called me and shrieked like Wil Smith came to their house about the $7500 tax credit.
People are getting mad instead. They are realizing the credit is just an interest free loan and if … (3 comments)
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mortgage: New Regulations for Mortgage Lenders. - 08/16/08 10:24 PM
Governor Phil Bredesen recently signed the resived Mortgage Act which has new regulations in place to protect consumers and increase scrutiny of the mortgage industry in Tennessee. The Mortgage Act requires criminal background checks for anyone applying for a loan originator license. The Act also allows the state to check an … (0 comments)
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mortgage: Foreign real estate buyers more prudent now - 08/16/08 09:37 PM
Now is a good time to buy residential real estate in the U.S. as prices are softening nicely in many regions and there is plenty of inventory to choose from. Mortgage money still remains affordable, although several loan products have been tossed and underwriting guidelines have become tougher. This development has … (8 comments)
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mortgage: Fair Housing Council Opens Office In Murrieta To Help Homeowners. - 08/16/08 08:39 PM
The Fair Housing of Riverside County recently opened a satellite office in the Murrieta Public Library to help homeowners who are stuck with mortgage loans they can no longer afford. Jesse Limon will head up the new office and bring his many years of experience in the mortgage business to assist … (2 comments)
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mortgage: Agentspayingforward.com - 08/16/08 05:53 PM
Hi everybody, I'm writing my first blog to introduce myself, Tom Ash, and my site, agentspayingforward.com. I've been in the mortgage business for over 20 years (wow that went quick), but decided to change it up. I started agentspayingforward.com as a means to meet people who are interested in more … (21 comments)
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mortgage: How to get the best possible deal on a home.. - 08/16/08 08:33 AM
I wish there was a surefire way to accomplish this goal but I do know you need to start with a good Realtor. I would start by finding a Realtor who spends much of his or her time working with real estate investors. Experienced real estate investors have many attributes that … (0 comments)
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mortgage: Mortgage options are still out there - 08/16/08 07:35 AM
I dont know about your neck of the woods, but a lot of my potential clients/buyers are shying away from purchasing right now due to the fear that they cannot obtain a mortgage - or that they will be required to put down a substantial dowmpayment. Anyone who listens to the … (2 comments)
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mortgage: Plainfield IL, Naperville Illinois Real Estate - Down Payment Assistance - 08/16/08 02:54 AM
For first-time buyers, often the first thought that comes to mind is, "I need a down payment." This is often followed by the question, "Now, where do I get that down payment?"
Depending upon the loan type, a home mortgage typically requires 3 to 5 percent down. If you have the … (0 comments)
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mortgage: Housing and Economic Recovery Act of 2008 - Make it Work for You! - 08/16/08 12:35 AM
The passage of the Housing and Economic Recovery Act of 2008 should not only benefit hundreds of thousands of home buyers and sellers, it also marks the beginning of the next real estate cycle. Two of the most significant provisions in this legislation are first-time home-buyer tax credits … (0 comments)
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mortgage: Where does the time go? - 08/15/08 11:36 PM
The last time I blogged was November 2007. I can't believe I have been out of the rain that long. I've missed it!
Many changes have happened in the mortgage industry since November. Stated loans were still around and so were about 40 other big lenders. I feel like I'm talking … (18 comments)
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mortgage: Thanks for the welcome. Donna's introductory thoughts about the mortgage biz. - 08/15/08 11:31 PM
Thanks to the ActiveRain community for such a warm welcome. Looking forward to having a place to share my thoughts on lending, finance...and whatever subject strikes my fancy at any time. We bankers can be so one-dimensional at times that it is good to have a creative outlet.
Want to let … (0 comments)
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mortgage: When Banks Don't Lend... - 08/15/08 08:03 PM
Well, we knew this would happen eventually. Credit tightening is forcing banks to borrow money to plug holes rather than lend back to us. This situation will get worse before it gets better. Fortunately, FHA and USDA is filling the gap that Freddie and Fannie once occupied...
From Bloomberg:
Most "domestic … (1 comments)
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mortgage: Interesting report from Bloomberg... - 08/15/08 07:32 PM
The Bloomberg report below is an interesting piece of information that has been flying under the radar on most MSM news outlets. Eventually, all of the securitizers of mortgage bonds will require some type of "liability verbiage" for the originating company. Freddie Mac is fighting this legislation from the state of … (1 comments)
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mortgage: Market Update 08/15/08 - 08/15/08 07:12 PM
This week we saw Consumer Price Index hit it's 17 year high which is bad on the inflation side of things but the results have been offset by lower oil prices and a stronger dollar. Mortgage back securities have seen some improvement this week but we havent noticed that much … (2 comments)
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mortgage: Las Vegas land prices soften up, except on resort corridor - 08/15/08 06:43 PM
The way the residential real estate market today is going in Southern Nevada it's no surprise that raw land values here are heading south. Demand for land is way down as the housing sector struggles with a large inventory of new and resale homes. Even if a builder wanted to purchase acreage … (8 comments)
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mortgage: Baby Boomers May Want To Buy Now - 08/15/08 02:30 PM
With prices in Southeast Florida at a low, Baby Boomers should consider buying a retirement home now, even if they're still years away from actually moving. Allowing renters to pay the bills for now can assure a great buy and a stable position without incurring any unwanted expense until retirement.
… (0 comments)
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mortgage: Buying Real Estate in Todays Market - 08/15/08 12:33 PM
Happy Friday!
I want to share with you something important thing that Silverstar is offering next month.
We have an event coming up this Saturday, September 20th from 10am-12pm at the Ayers Hotel in Seal Beach (right at the 405 FWY & Seal Beach Blvd.). So, "What is this event?" you … (0 comments)
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mortgage: Contact me today - 08/15/08 12:24 PM
Scot Veneklase, Mortgage Broker-293-7040 Cell-Home.Loans@ymail.com-Email
www.HomeLoansWithScot.com
In today's challenging Real Estate Market you need to be confident your SALE will result in a SUCCESSFUL CLOSE. For almost 10 years I've helped hundreds of buyers purchase their dream homes.
My rates are competitive!
My service is superior!
My track … (0 comments)
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mortgage: The Mortgage Industry and Me - 08/15/08 10:41 AM
I have worked in the mortgage industry for the past 8 years and watched it slowly change from a sellers market to a buyers market. I think when I worked with my last company Lenders First Choice in California, I was given the opportunity to work worldwide which opened my knowledge … (8 comments)
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mortgage: A Trusted Mortgage Advisor - More Important Than Ever - 08/15/08 06:08 AM
Yes but I want the lowest rate.
When shopping for a mortgage most would say they want the lowest rate possible. I hear you, in fact as a top producing loan officer I hear that everyday and do you know what, I want the lowest rate for you also, and if … (0 comments)
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mortgage: Stop the bleeding! - 08/15/08 01:52 AM
A few days ago, we had a training class in our office on adjusting to a down market. As you probably have heard things are still pretty good in the Oklahoma City market area but no place is immune to tighter credit qualification and higher interest rates.
One subject that always … (1 comments)
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mortgage: Its not FHA - Its VHDA: The FHA Alternative in Virginia. - 08/14/08 10:50 PM
What is VHDA?
VHDA stands for Virginia Housing Development Authority. Its Virginia's Mortgage Finance Agency. Most every state has their own Finance Agency.
Mission?
VHDA was created in 1972 by the General Assembly of Virginia to help overcome barriers to affordable housing.
VHDA is not for everyone. The … (5 comments)
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mortgage: Trans Union LLC and Acxiom LLC settle a $75 million Class Action Lawsuit... - 08/14/08 10:05 PM
that claimed they violated State laws and the (FCRA) Fair Credit Reporting Act. The claims involved the selling of list containing personal and financial comsumer data to third parties for marketing purposes.
If you had an open line of credit, consumers credit (i.e. Credit Cards, Auto loans, Store Credit Cards, … (2 comments)
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mortgage: Home Buying Has Never Been So Rewarding - 08/14/08 09:36 PM
Cincinnati- For those in the market to buy a home in the next few months there are several new programs that make buying very attractive. The Department of Housing and Urban Development has a new program in selected states that allows homebuyers to purchase HUD owned properties for as little as … (0 comments)
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mortgage: Homebuyer Has Never Been More Rewarding - 08/14/08 09:14 PM
Cincinnati- For those in the market to buy a home in the next few months there are several new programs that make buying very attractive. The Department of Housing and Urban Development has a new program in selected states that allows homebuyers to purchase HUD owned properties for as little as … (0 comments)
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mortgage: New loan may save you a desperate client and a deal! - 08/14/08 08:34 PM
How many times have you shown properties only to find out your client's favorite is the one with multiple offers? How many times have you submitted offers on the second and third choice and still have a hard time swinging a deal? It can be very frustrating and irritating to your client, … (6 comments)
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mortgage: Choosing the Best Loan for you - 08/14/08 05:55 PM
Choosing the Best Loan for You
There are many types of mortgage programs available. The right type of loan for you depends upon several factors:
… (0 comments)
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mortgage: Who Is making Loans on Mobile Homes now? - 08/14/08 04:44 PM
In a constantly changing market-both real estate and lending markets, I am constantly having to find new sources for loan approvals. It is getting almost impossible to get a mobile home financed at a rate and down payment the buyer can afford. Most buyers in our area seeking a mobile home, … (4 comments)
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mortgage: I'm pretty new to Active Rain, but I have a question for Realtors... - 08/14/08 02:35 PM
Would you guys prefer your mortgage orignator to send you video e-mails with updates on loan status and program changes? Would you enjoy a website where you can get up to the minute loan status at any time of the day or night? Would you send your clients who aren't qualified for … (1 comments)
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mortgage: Foreclosures Increase By 55 Percent In A Year - 08/14/08 02:08 PM
RealtyTrac reports today that the number of foreclosures increased by 55 percent in July, as compared to one year earlier.Foreclosures rose by 8 percent from June 2008.Banks foreclose on properties when home owners fail to make mortgage payments.Which states have the most foreclosures? Nevada, California and Florida. Arizona holds fourth … (2 comments)
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mortgage: Sunny Eastern North Carolina - 08/14/08 11:35 AM
Another beautiful day in Eastern North Carolina! Sun is shinning, Carolina blue skies, low humidity....hummm - I should be at the beach!
Remember, I financing homes in all of North Carolina - from our beautiful coast to our majestic mountains and I want to earn your business. As a proven and trusted … (0 comments)
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mortgage: Statistics and Surveys- how to manipulate the numbers - 08/14/08 11:11 AM
I was looking at a survey on CNN.com yesterday and I thought is was interesting for several reasons. It asked would you consider buying a hybrid automobile if:
A) It saved you $100
B) It saved you $1000
C) I wouldn't consider buying a hybrid
Answer A) brought 8%
Answer B) … (1 comments)
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mortgage: Having Surgery! How do I keep up my work load? - 08/14/08 11:08 AM
To those how have known me for the last couple of years you would know that I am such a graceful (yeah right) person while walking - I have sprained my ankle three times! After being seen by a number of orthopedic doctors who couldn't find anything wrong with me other than … (4 comments)
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mortgage: TODO: Design Housing and Economic Recovery Marketing Plan - 08/14/08 11:05 AM
Coming October 1 the US government is giving you quite a few more tools courtesy of a bunch of FHA modernization. Unfortunately, legislation does not generate fresh mortgage leads, but you can. Media coverage and nervous home owners will generate a ton of uncertanty and questions in potential and even past … (0 comments)
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mortgage: Wyndham Garden Jaco Beach Condos now featured on Condo.com - 08/14/08 10:12 AM
Condos in Jaco Beach Costa Rica starting at $300K
From the Waved shaped buildings to the sleek lines on the interior spaces, everything about the design of Wyndham Garden Jaco Beach echoes elements of nature.
The Architecture is a work of art in tropical minimalism, designed to fit into … (0 comments)
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mortgage: Soleil Condos now featured on Condo.com - 08/14/08 10:06 AM
In every great city, there is one address, one location, one extraordinary place that can never be duplicated. In Raleigh, that address is Westin Raleigh Soleil Center Residences. When you live at The Westin Raleigh Soleil Center Residences, you soon discover that its stunning exterior is matched only by its … (0 comments)
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mortgage: The Villas at the Bristol now featured on Condo.com - 08/14/08 10:01 AM
Panama villas for sale starting at $775K
Much more than a home, The Villas at The Bristol will offer the investor the use of the facilities of The Bristol Hotel Buenaventura. Relax and relieve stress at the Spa, exercise at the gym with the most modern cardiovascular equipment and … (0 comments)
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mortgage: Via mare Condos now featured on Condo.com - 08/14/08 09:55 AM
Jacksonville condos for sale from the high $200s
At Via Mare Condos, elegant architecture, upscale interior finishes and a stunning stretch of Florida shoreline beckon you to savor the coastal lifestyle; the warm rays of the sun illuminate charming cafes and intimate beachside boutiques as diverse and unique as … (0 comments)
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mortgage: The Sage now Featured on Condo.com - 08/14/08 09:51 AM
St. Petersburg condos for sale starting from the $300s
The Sage Condos in St. Pete is where sophistication and simplicity intersect. These comfortably stylish residences blend contemporary furnishings with warm textures and traditional tones. A definite highlight: huge windows with panoramic views of downtown and Tampa Bay - and … (0 comments)
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mortgage: The Reynolds Condos on Peachtree now featured on Condo.com - 08/14/08 09:44 AM
Atlanta Condos on Peachtree Starting at $194,500
The Reynolds on Peachtree offers a boutique alternative in Midtown Atlanta condominiums. In the midst of all the excitement of Midtown and Downtown Atlanta, it's steps away from restaurants, shops, attractions, theatres, parks, and nightspots. And for everyday needs, Publix and Walgreens are … (0 comments)
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mortgage: The Mark Downtown condos now featured on Condo.com - 08/14/08 09:42 AM
Delray Beach Condos starting at $395,000.
There has never been a better time to live in Downtown Delray Beach.
All the amenities of big city living are found just outside your door while the smell of
ocean breezes through your window. Give your car the weekend off. Walk to … (0 comments)
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mortgage: The Gates Residences now featured on Condo.com - 08/14/08 09:35 AM
Luxury Colorado condos starting at $975,000
The Gates Residences® is a luxury condominium residences in the heart of Avon, CO The exclusive club-like atmosphere offers gracious and comfortable mountain living. This private condominium complex is situated just minutes away from the ski slopes of Beaver Creek® and a short … (0 comments)
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mortgage: The Chandler condos now featured on Condo.com - 08/14/08 09:31 AM
Chicago Condos for sale starting at $549K
The high-life begins at The Chandler, a world-class high-rise designed by DeStefano + Associates. Situated at the mouth of the Chicago River and Lake Michigan, The Chandler condos rise 35 stories with commanding views of the Chicago skyline. Offering resort-style amenities at … (0 comments)
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mortgage: The Slate Creek Townhomes at Westover Hills now featured on Condo.com - 08/14/08 09:26 AM
San Antonio Condos Starting in the mid $200,000s
The Slate Creek Townhomes at Westover Hills bring luxury hill country living to an entirely new level. Overlooking the Lakes Golf Course at the Hyatt Regency Resort & Spa, this vibrant gated community of 2-story luxury townhomes is one of San … (0 comments)
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mortgage: SkySail Luxury Condominiums now featured on Condo.com - 08/14/08 09:21 AM
New Bern condos for sale starting at $241,395
Daydreaming takes you back to memories of your favorite Carolina summers. At SkySail Luxury Condominiums, you can live your daydream. A world-class condominium community, SkySail adds luxury to the Inner Banks with 121 beautiful residences.
Gracing New Bern's sparkling harbor, SkySail Luxury … (0 comments)
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