new york mortgage: Should I worry about Defamation of Character? - 07/03/08 10:54 AM
I worked for a now defunct mortgage company named SMC Mortgage Company in Glens Falls, NY. I was not happy with my experience there after leaving. Actually, I began becoming unhappy a while before I left... I did not like the common consensus that my former colleagues seemed hold... They gave each … (4 comments)
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new york mortgage: Country Wide is not out of the woods yet! - 05/05/08 09:30 PM
Country Wide is Back in the News...And this time they have not come out to deny that they are in serious hot water as it seems to be their customary policy. This time it appears to be 100% true. If you haven't read, the CW Giant has just written down more … (4 comments)
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new york mortgage: What about when the buyer agrees with the seller on price? - 05/01/08 01:14 PM
I have seen a lot of posts here on AR complaining about sellers who just won't lower the price of their home even when buyers are not biting. I have also seen complaints around the web here and there about appraisal issues killing deals.
Most often though it is refinance deals that … (15 comments)
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new york mortgage: My Review of Search Marketing, LLC - 04/30/08 01:49 PM
As the company refers to itself...
I have a Search Marketing, LLC. blog located at www.lakecitymtg.net.
When I first set up my own blog I was not sure where to go or which platform to use. I looked around for a while until I found Moguling.com. I read their claims and I became … (2 comments)
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new york mortgage: Is there still a lot of mis-information out there? - 04/21/08 03:57 PM
Or is it just me? Is anyone else aware of the fact that mortgage interest rates increased today with just about every lender out there by about .375% - .5% or is it just me?...
I had a gentleman call in today to inquire about financing a portion of a Co-Op that … (5 comments)
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new york mortgage: Hey, What's Your Problem Coldwell? - 04/15/08 09:51 AM
I don't know what the deal is with Coldwell Banker. One of my colleagues here in my office recently handled the financing for her friend on the purchase of a new home. The agent on the other end of the transaction was a Coldwell Banker Realtor®. That Realtor® actually recommended to … (8 comments)
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new york mortgage: Why Hilary Clinton Does Not Have All The Answers... - 04/09/08 12:57 PM
We all already know that she has many faces depending on what the polls are saying.
But she doesn't have all of the answers!
Have I got your attention?! Ok, good now listen up.
Hilary's plan to "freeze interest rates" to avert a national catastrophe is a joke. We've all talked about how awful it … (5 comments)
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new york mortgage: My heart sank and my borrowers don't even know. - 04/03/08 08:52 AM
This business is not for the faint of heart. If you have trouble handling stress then get the heck out of this industry! I feel that applies to real estate professionals, mortgage professionals, title professionals and anyone else involved in the transfer of real estate.
It's not getting any easier!
But it is … (6 comments)
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new york mortgage: Title Matters - 03/20/08 01:08 PM
It's hard to find a title company that is both fast and responsive. My company has an affiliation with New York title out of Long Island (as of very recently). We send them a bit of business and there service is excellent. It does not matter if it takes me 9 … (3 comments)
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new york mortgage: 680 for 100%, FHA finally has a true purpose... - 03/04/08 03:18 PM
And what I mean by that is that FHA is not some kind of a spectacular loan program. It is very useful in certain situations, but most often the best way to go is conventional if you qualify. Conventional offers the best rates and terms avaiable which is why it is … (6 comments)
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new york mortgage: Do business with me and get a 3 day 2 night getaway for free! - 02/27/08 10:35 AM
Maybe, I haven't decided yet. I am working on a transaction with a high profile agent in the Plattsburgh, NY area; Andre LaFountain. Andre is a smart cat, he is heavily imbedded in real estate but he also has a few things producing additional income for himself on the side.
Andre … (7 comments)
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new york mortgage: THAT IS HUGE! - 02/22/08 03:05 PM
Organization is crucial. This thought came to mind as I was organizing and sorting my email. I must've had about 200 emails still in my inbox. I use outlook to sort my email into folders. I keep everything, because I never know when I may need to reference it again. You … (0 comments)
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new york mortgage: No Closing Cost++ Home Refinance Loan! - 02/21/08 02:40 PM
"No Closing Cost++ Home Refinance Loan.Call Today to Combine Mortgage and Debt."
I found this enticing headline today on a one of countrywides websites. This cracks me up because I have been talking about this for some time. It makes me wonder though, if it is presented this way is the consumer … (8 comments)
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new york mortgage: John Murphy - 02/21/08 10:38 AM
Just as I was writing my last post about the fact that referral business is far superior to internet leads I got a call from John Murphy with a referral. He said that the person whom he sent to me left a message for me. I am not sure which phone she … (7 comments)
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new york mortgage: Referral Ping Pong - 02/21/08 10:20 AM
I received a referral from Kathy Bennett of Re/Max North Country a few days ago. I am working on the loan file now and it is a go. A couple of days later I had the opportunity to send someone her way. Then I had another opportunity to recomend her and I … (2 comments)
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new york mortgage: Keep At It! - 02/21/08 09:39 AM
I feel that my efforts are really beginning to pay off. That being said I have had a very rough month this month. Forever I have been seeing the media paint a devastating picture of the housing crisis and credit crunch. I saw all of the media, but I felt inwardly … (0 comments)
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new york mortgage: How FSBO's can make you a fortune! - 02/13/08 01:07 PM
I never really got the point of marketing to FSBO's until recently. I know that it makes great sense for Realtors and real estate sales people to market to FSBO's, but why would a mortgage pro do such a thing?
After hours of brainstorming last night I think that I have come … (9 comments)
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new york mortgage: FPF Mortgage Minute - 02/12/08 02:57 PM
Making the news today include Michigan’s loan modification issues, Montana’s mini refinance boom and New Yorkers getting the much need mortgage help that they need.
As home values continue to decline in Michigan many homeowners are hoping that the new stimulus package will help them keep their homes. Even with … (0 comments)
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new york mortgage: 5 points 5 times. - 02/06/08 12:28 PM
You may have read my blog post asking about whether or not letter's work. I posted that blog here on AR to get some feedback with regard to a marketing campaign that I built in order to tap into more of a referral based business as opposed to a lead sifting … (8 comments)
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new york mortgage: Yun Says That People Are Waiting For Lower Home Prices and Lower Interest Rates... The Time Is Now! Buy, Refi, Take advantage of the squeeze! - 01/31/08 09:19 AM
The bond markets are poised to rally this morning. Jobless claims for last week rose 69,000 to 375,000; analyst were expecting a reading somewhere near 315,000. Consumer spending slowed in December to the lowest levels that we've seen since 2006. MBIA bond insurer lost 2.3 billion dollars in write downs and … (0 comments)
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new york mortgage: Associations... Can we be friends? - 01/18/08 09:58 AM
I love AR and the community. You guys aer great, and I love the platform. Whether it be through referrals or advice AR has helped me improve my business and my practices. I have gotten many great and inspiring ideas from many of you!
My thanks go out to all of you!
What … (0 comments)
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new york mortgage: Swimming with the sharks... - 01/17/08 09:10 AM
Rates are low. low, low!
Rates are low, as low as they were in 2004 when I began my career. Refinance applications are up and so we (company and I) decided to start purchasing leads. Wow, what a shift in gear working Internet leads is from working referrals.
Sleazy sales tactics...
Is what … (3 comments)
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new york mortgage: What's time blocking again?... - 01/15/08 12:35 AM
I have begun something new at work and it is working great. I have begun writing my goals for the week and posting them up on the wall by my desk. This week I had 7 immediate goals and as of today I have accomplished 5 of them. We all have … (7 comments)
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new york mortgage: The State of Plattsburgh. - 01/15/08 12:31 AM
The State of the City of Plattsburgh:
I've really come to fall in love with the real estate that I have come across in the Adirondacks. I live in Plattsburgh, NY near the tip of the Adirondacks. I am from the area originally, I moved away for a while to get some … (4 comments)
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new york mortgage: 10 Constable St. Malone, NY 12953 - 01/15/08 12:26 AM
I am in a unique position as a Mortgage Professional. I have the privelage of preview hundreds of pieces of property just as or before they go on the market. One in particular property caught my eye recently as I was perusing the listings of one of my partners listings. John … (2 comments)
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new york mortgage: Get your marketing! - 01/15/08 12:20 AM
I'm Psyched! I just got another Real Estate Firm on board to do a portion of their marketing with me. I guess that it's not a hard sale to get a Realtor to work with me on this project because I am giving hard hitting marketing away for free. Free and … (0 comments)
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new york mortgage: BAO was right on time... - 01/15/08 12:03 AM
Regarding their recent decision to purchase Countrywide, America's largest home lender.
There has been much speculation on the topic for good reason. Countywide is a very large financial insitution. If it were to collapse it would be a large chunk of the economy down with it. More than 7% of Cw's Loans … (0 comments)
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new york mortgage: 4954 Route 374, Merrill NY 12955 - 01/14/08 11:56 PM
I frequent areas of interest to me in order to write reviews and provide information on some of the properties that My Realtor Partners have listed in the area. My mother owns two properties; one in Churubusco, NY and her primary in Mountain View, NY.
I recently visited my mother at … (0 comments)
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new york mortgage: Am I taking New Clients?... Do You Have a Referral?... -=Read This First=- - 01/14/08 11:51 PM
There is a lot that can be said about a good referral. Personally I think that business by way of referral is the only way to go. If my car is broken down I ask my friends who they take their car to. This gives me a good idea of whether … (0 comments)
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new york mortgage: Video in your blog! The next big wave? - 01/13/08 06:49 PM
Lately I am always on the lookout for things that can help me increase my various blog's SEO. I recently stumbled across the idea of using video as a web enhancement. I think that it is a really great idea! It gives me the ability to add even more new content … (7 comments)
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new york mortgage: Your Realtor Said You Should What?! - 01/11/08 10:12 PM
I commented on a blog and I would like to share my comment with the rest of you and ask you what you all think. I hope the comment was not offensive to the author, but this is something that I feel strongly about. I would be so offended if a … (5 comments)
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new york mortgage: Who's on the web anyway?Google knows! - 01/11/08 08:03 PM
Turns out...
Just about everyone is on the web today and those who are not should be. I remember a few years back when the big Dot Com Bubble apparently burst. Now look at the web, it is booming.
When things grow too quickly the side affect is that they are unstable. As … (5 comments)
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new york mortgage: Ouch.. Don't duplicate, it hurts... - 01/11/08 07:57 AM
I guess I hurt my own Search Engine ranking without knowing that I was doing so. I launched a marketing strategy a few months ago and I have been writing about it here and there on AR. One thing that I did not know is that duplicate information is identified and … (8 comments)
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new york mortgage: Stick with it and it'll pay off! (Oops, Revised) - 01/10/08 12:04 AM
Ok, OK, maybe not all..
But I have tried several different methods of expanding my web presence. Initially I was thrilled to learn about just one way. When I was introduced to AR and began seeing my name appear in major search engines like Google, I was floored. I couldn't believe that … (0 comments)
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new york mortgage: Rates are Lower!!! NJ, NY, AND CT. Mortgage Rates 11/25/07 - 11/20/07 10:22 PM
NJ Lenders Corporation 20 Sheridan Ave., Hohokus, N.J. 07423
N.J. & CT. Rates Add 1/8% to Rate for N.Y.
Super Jumbo from $1,250,000 to $2,500,000 add 1/4% to Jumbo Rates above.
Call Mike Carew today at (201) 882-8284
This information is not an … (0 comments)
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new york mortgage: New York Mortgage Broker Discusses the Benefits of Working with a Mortgage Broker - 11/01/07 01:51 PM
There are many benefits of working with a mortgage broker, whether you're looking to purchase a home or refinance your existing mortgage. Many incorrectly think that the only benefit of working with a mortgage broker is that the mortgage broker will be able to shop for their loan with various lenders.
There … (1 comments)
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new york mortgage: New York Mortgage Broker Discusses Mortgage Broker Compensation - 11/01/07 01:48 PM
Mortgage brokers are compensated in one of three ways. A mortgage broker can be compensated by the lender in the form of yield spread premium, by the borrower or a combination of compensation from the lender and compensation from the borrower. In this article I will discuss each way a mortgage … (0 comments)
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new york mortgage: 10 Year Treasury Chart Update - May 16th - Down day not necessarily good! - 05/16/07 04:01 PM
One might think that a down day for yields is a good thing and generally speaking it is. But I'm a little troubled by today's chart. Here it is:
Take a look at today all the way on the right of the chart. What do you see? Another white candlestick slightly … (4 comments)
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new york mortgage: New York Mortgage - 05/15/07 11:03 AM
New York City homeowners are especially challenged with a series of unique challenges related to mortgage finance. We hope to shed some light on these issues and the methods used to deal with them. Included are
-Co-op board approval
- Negative Pledge Loans
-Mortgage Tax
-Using a CEMA to avoid mortgage tax
-Avoiding Mortgage tax on … (2 comments)
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new york mortgage: 10 Year Treasury Update - May 11th - Taking It One Day At A Time - 05/11/07 03:10 PM
Some sort of turnaround today. I thought we looked good early today as the bond yields gapped down and stayed down for a majority of the day. And then it happened, around 12:30 the gap was closed and the yields continued upwards for the remainder of the day to close up … (2 comments)
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