How to save Thousands of Dollars in today's credit market

Getting Money for Closing, is your client having problems?

Everest Credit Services — Mon, 26 Oct 2009 16:23:53 -0500

This might be a solution.

A referral partner of ours recently had someone who didn't have money to close as it came down to the wire. They were able to prove all but less than $1000.00 of the required amount.

The deal was in jeopardy of falling out. At the last minute the loan officer thought of a unique way to get the extra funds. Both clients had been married before and between old rings and some other jewelry they were able to come up with the amount of "junk" gold they needed to close the loan.

The underwriter accepted a copy of the check, deposit slip and bill of sale as proof of the required funds.

The deal worked for everyone. Clients got the house, the lender and Realtors all got paid.

I had heard of selling cars, motorcycles, boats, etc. to fund closings, but those are all things poeple don't typically want to get rid of.

There are plenty of places that will pay for broken, scrap, or otherwise unused gold and this may be a viable solution for you or your clients.

This client used Security Payday Loans and was very happy with the service and transaction. Thier number is 281-984-0876. The client got the money the same day.

There are many other places that buy gold though and the client should always shop around if they have time as prices can vary.

Good luck

Getting More Bang for your Buck, more time for your family

Everest Credit Services — Sat, 24 Oct 2009 11:23:49 -0500

Re-blogged by 0 agents

Getting more bang for your buck. (edit/delete)

Like you, I seem to find myself with less and less time to take care of my business.

Also, like you probably do, I struggle to get my five (minimum) personal notes out each day as well as any "thank you" cards to customers and referral partners.

About a year ago I stumbled across a service that makes this a breeze. It is called Send Out Cards and here is the link.

www.sendoutcards.com/23876

I don't have to go to the store and search for that special card I just go online to where they have literally thousands of cards on just about every subject.

All I have to do is personalize the card with my message (depending on the package you get you can even have your own handwriting converted to a font) and the next day my card goes out for as little as 64 cents plus postage.

These are very nice cards. Let me know if you would like more information.

Credit Scores and improving them.

Everest Credit Services — Sat, 24 Oct 2009 11:16:29 -0500

Credit repair, help or hype? Risk based pricing (edit/delete)

Does credit repair work?

Of course it does if it is done by a reputable company with experience. Fact is 90% of all credit reports contain inaccurate data. That is no small number. After not being able to get clients qualified because of this I decided to do something about it.

The current average credit score is 692. With the risk based pricing, that means even your average customer will pay 1% in additional fees if he puts 20% down, to the Government for the joy of buying a home.

I started my own credit repair company based on a set of core values. Short answer, if I can't increase a clients credit score they pay nothing. In fact, they get $50.00 for letting me try.

Want to see what we can do? Go to: http://everestcreditservices.com/results/cindex.php

Does your client know his credit score? Probably not, but fact is he can get a free one without having his credit "dinged" just by clicking on a link on our web page http://everestcreditservices.com/needtoknow.php

If your client doesn't know his credit score in this market you should consider him unqualified and have him talk to a lender like http://www.TheLoanSquad.com before you ever show them a property.

I know you are hungry. We all are. This is why I started this organization. I got tired of sending people out to s credit repair company that charged $1500.00 or more with little to no results. HOW, can I be different I asked myself?

•1. Money back guarantee

•2. Proven results

•3. Reasonable cost

My cost to the client are some of the lowest I have seen because 94.5% of the time I get the loan and I get to send the buyer back to the agent who sent them to me which results in even more referrals. My business is growing like crazy.

I need more loan officers if you know any who have washed out due to a lack of support. Please have them email me at Terry@TheLoanSquad.com

If you have a customer who doesn't know their own credit score, which in today's market is paramount to knowing whether their driver's license is current or not. Have them call me as well at 832-473-8795 or direct them to my website. http://www.Credit2468.com . They will wind up yelling Credit 2-4-6-8, you made my credit really GREAT! Like so many others. If your credit is below par you will get a special discount as a referral partner, and your credit repair could even be FREE!

Another neat thing, since this is not a RESPA issue, you can get $25.00 for any client as soon as they sign up. I can even provide a link on your website that will let me know exactly where they came from, as you know the more links the easier it is for the search engines to find your website, also helping you. Check out http://Homesofnorthwesthouston.com for an example.

If the client does get approved once we start credit repair, and I get the loan. The client pays NOTHING! for the repair. It is all credited back at closing.

What are you waiting for? Want to close more deals?

Credit Scores and improving them.

Everest Credit Services — Sat, 24 Oct 2009 11:12:59 -0500

I left the mortgage rat(e) race about a year ago to move into something that needed a lot more moral people in it than had been for some time. Credit Repair.

My history as a Certified Mortgage Planning Specialist, my refusal to ever participate in the sub-prime market during my mortgage days, and my history on Wall Street trading Mortgage Backed Products gave me a unique perspective into this industry and the necessity for AAA credit scores. The market finally caught up to my perspective.

I now work with over 200 mortgage professional helping them to improve their clients credit scores, as much as 160 points in 90 days (our best to date), which totally eliminated the LLPA on the deals at worst, and got loans for people who could not before at best. We DO offer a money back guarantee for our services!

I can show you how our program can help you to annuitize you business, help you close 15-20 more deals a year, improve relationships with your referral partners, once again offer to help close the "hard" loans, and most importantly, save your clients tens of thousands of dollars over the life of their loan in fees and extra interest.

Please contact me if you would like additional information on this. I can even show you how to retain clients by making credit repair effectively FREE for them.

Yes it works. We are proof. We guarantee it.

Problem is Bernake doesn't speak english, and no one speaks Bernake

Everest Credit Services — Tue, 18 Nov 2008 18:51:15 -0600

Okay, maybe a little.

Who are we? Japan? Will we have a 1% interest rate trying to recover a market for the 5-6 years that was killed by Wall Street greed.

Wall Street greed my rear-end. Everyone blames it on Wall Street but all they did was come up the financial creativeness to facilitate the real responsible parties for this depression (OMG?) Did I just say the "D" word. No one else will.

Fact is markets have fallen almost 50% in the last year. Let me give you a clip from 2.14.08 "The Dow Jones Industrial average dropped 1.14 percent to 12,409.58 after Mr. Bernanke's remarks. http://www.financemarkets.co.uk/2008/02/14/wall-street-declines-in-afternoon-on-bernanke-comments/

This greed was led by the US consumer, the one now paying the price.

Were it not for the consumer's desire for more than he could afford, more than he could pay back, and more than he deserved we would not be here now.

If you have clients who have come to their senses and realize they over did things, or new ones with issues. Even past clients you might help move "down" into more affordable properties where their credit worth it. Contact my new compay.

www.Credit2468.com or www.EverestCreditServices.com or www.RefurbishMyCredit.com all do to the same place and all will help.

I can document a 50 point increase in credit score in 45 days.

Credit repair, help or hype? Risk based pricing

Everest Credit Services — Tue, 09 Sep 2008 03:18:51 -0500

Does credit repair work?

I started my own credit repair company based on a set of core values. Short answer, if I can't increase a clients credit score they pay nothing. In fact, they get $50.00 for letting me try.

Want to see what we can do? Go to: http://everestcreditservices.com/results/cindex.php

If your client doesn't know his credit score in this market you should consider him unqualified and have him talk to a lender like http://www.TheLoanSquad.com before you ever show them a property.

•1. Money back guarantee

•2. Proven results

•3. Reasonable cost

I need more loan officers if you know any who have washed out due to a lack of support. Please have them email me at Terry@TheLoanSquad.com

If the client does get approved once we start credit repair, and I get the loan. The client pays NOTHING! for the repair. It is all credited back at closing.

What are you waiting for? Want to close more deals?

Fannie Mae, Freddie Mac Bail Out, Rates Drop,

Everest Credit Services — Tue, 09 Sep 2008 03:01:09 -0500

Well, last I checked the US government has never gotten involved in anything that didn't cost the tax payers billions, but hey, that's what they figure we (the tax payers) are here for.

Interest rates on mortgages and their relative spreads to indices that you, me and the rest of the world can actually view changed dramatically yesterday in the wake of the government's overtaking of and subsequent replacement of the CEO's and the entire board of directors of both organizations (Fannie & Freddie) has calmed the fears of the buyer's of mortgage backed securities. The "spread" or the amount an investor would need over a particular index to feel comfortable with the risk of that investment changed dramatically yesterday. Most investors compare the mortgage backed securities to the ten year treasury. Now, I know many will argue with me that mortgage backed securities are not priced to the ten year and that is true, but my decade of experience on Wall Street tells me that this is the "index of choice" for investors wanting to invest in them.

The "spread" between mortgage backed securities and the ten year treasury hit an all time high last week. Yesterday, the ten year bond performed admirably but the Mortgage Bonds kicked some serious butt. This led to a dramatic drop in spreads to the ten year and a dramatic drop in interest rates. Now, I am not going to get into this whole "how the markets work thing" if you want info on swap spreads, etc. that price this stuff http://behindmarkets.blogspot.com/2008/08/mbs-spread-widen-at-historical-levels.html is a great jumping off point and your local community college and a degree in finance and economics is a good follow-up.

Frankly, as for the future of the mortgage industry neither Fannie nor Freddie is of my concern. They will survive. The biggest issue in my opinion is mortgage insurance industry. If this falls everything goes away but 20% down loans. Here is a good one to take a look at with a 1 year history of a -85.32% share price! http://finance.aol.com/quotes/ambac-financial-group-inc/abk/nys/historical-prices Many mortgage insurance companies are compressing their standards and this is ultimately what is leading to risk based pricing and many other underwriting issues you are seeing out there.

Rates coming down, that is great and I expect to see it through year's end, but the real issue here is the American consumer and his insatiable appetite for debt and the lack of repercussion for repaying it.

I have went so far as to create my own credit repair business. No, I don't sit home in my underwear cranking out letters to credit bureaus. Instead, I have hired the best processing company I could find in the nation to do that. We operate via the web in every state. I used to refer out clients to another credit repair company who had decent results but typically charged an upfront fee of $1200.00 or more. Credit repair is not my primary line of business, but I have put several people through the program who could have not gotten mortgages before, or who would have been subject to strict risk based pricing that no longer are. The results have been an increase in my business and that of my referral partners.

As a REALTOR, I would suggest you refer your clients to a reputable credit verification/correction company. Fact is over 92% of all credit reports contain inaccurate data. My company http://www.EverestCreditServices.com or http://www.Credit2468.com can help your customer. We offer a MONEY BACK GUARANTEE and if we ultimately do the loan for them we will even rebate the full amount they paid as a lender credit at closing. Initial results only take as little as 45 days.

As an added perk, we will pay you a $25.00 referral when the person signs up. This is not a RESPA violation as it has nothing to do with the loan or settlement. We can even provide a link on your website (as you know this makes it easier for the search engines to find you when you link with other sites). We will also, always direct the person back to you when the credit is good enough to get a loan.

New Risk Based Pricing. Rates go up 11/01 reguardless

Everest Credit Services — Thu, 28 Aug 2008 18:32:32 -0500

Effective November 1. The new LLPA aka. Risk based pricing goes into effect.

Delivery to the GSA's increases .25%, and everything else changes.

You can actually get a better rate putting down 10% rather than 20%, since most 20% down payers don't escrow.

Read the full changes here:

https://www.efanniemae.com/sf/guides/ssg/annltrs/pdf/2008/0818.pdf

It is almost atrocious.

Oh My Gosh, when will the rate/price increses end?

Everest Credit Services — Thu, 28 Aug 2008 18:25:00 -0500

FHA Announces New Mortgage Insurance Premiums
A Special FHA Announcement from FHA Expert Jeff Mifsud

In response to the passing of HR 3221, this update announces FHA's new Mortgage Insurance Premiums for the period of October 1st, 2008 through September 30th, 2009. FHA's Risk Based Premiums that went into effect on July 14th, 2008 will be on hold until October 1st, 2009.

The following information will be available on LTB's Legislative Updates page, as well as Jeff's Mifsud's website www.mseminars.com, where he offers one-of-a-kind FHA training to mortgage professionals.

Here are the 6 things you need to know about these changes...

1. Up-front Mortgage Insurance Premiums:

Purchase Money Mortgages and Full-Credit Qualifying Refinances = 1.75%.
Streamline Refinances (all types) = 1.50%.
FHASecure (Delinquent Mortgagors) = 3.00%.

2. Monthly Mortgage Insurance Premiums:

For 30 year loans with LTV > 95%, monthly will be .55%.
For 30 year loans with LTV < 95%, monthly will be .50%.
For 15 year loans with LTV > 90%, monthly will be .25%.
For 15 year loans with LTV < 90%, monthly will not be required.
For FHASecure loans with LTV > 95%, monthly will be .55%.
For FHASecure loans with LTV < 95%, monthly will be .50%.

3. Mortgages with FHA case number assignments made on July 14, 2008, through and including September 30, 2008, shall maintain the risk-based premium structure for the life of the mortgage.

4. FHA will issue another notice that will formally advise when the moratorium is concluded and the premium pricing structure that should be followed once the moratorium ends.

5. Credit Scores:

Borrowers with credit scores below 500 will require an LTV of 90% or less.
Borrowers with 3 scores, the middle score is used.
Borrowers with 2 scores, the lowest score is used.

6. These premium changes apply to the following FHA loan programs: 203b (standard 1-4 unit property), 203k (rehab loan), and 234c (condominiums) and do not apply to FHA reverse mortgages.

We are still awaiting more changes in response to HR 3221 so watch for future updates.

For more information on this or other important FHA updates, go to www.mseminars.com, where you can contact Jeff Mifsud directly and sign up for his FHA newsletter.

Credit Repair (does it work)

Everest Credit Services — Wed, 27 Aug 2008 20:49:22 -0500

Now, more important than ever credit score is important.

Even if a customer has decent credit scores versus great they will pay thousands, potentially tens of thousands of extra dollars in interest over the life of not only the home loan (due to risk based pricing), but every loan they have. The credit agencies, driven by the credit card companies and Fannie Mae and Freddie Mac are hitting scores hard. I pre-approved someone last month with a 650 and because they had 2 over 30 days late in the next month. The contract fell apart because their score drop to 565!

I can close loans in virtually every state. We are a national mortgage bank.

If your client qualifies now for a loan, but not the best rate (anything lower than a 680 credit score these days) and I close the loan, I will pay for 6 months of credit repair at MY expense with our approved company and not charge a mortgage origination fee when they refi once their credit improves.

If your client is or has been denied and they come to me for credit repair, I will give them a credit of potentially over $1000 for two borrowers, or $700 for one toward their closing cost at closing if they use me for the loan once their credit is repaired and they use my credit repair company.

MONEY BACK GUARANTEE!

We also offer a money back guarantee. If our credit repair company can't improve your clients score in six months, EVERY PENNY +$50.00 will be refunded for your clients hassle.

I have literally hundreds of Realtors not only referring clients to me, but taking advantage of this offer. Know that I have the staff to handle it.

With in-house processing, underwriting and closing, we are a mortgage BANK. "We don't play" like the "Brokers" do. Before I send a pre-approval letter I run every client through an automated underwriting system. This means if they didn't give me bad information the loan will close.

WE ARE CURRENTLY CLOSING CONVENTIONAL IN 7 DAYS, GOVERNMENT IN 10 DAYS even on foreclosures.

How many lenders do you know who have that strength?

Let me know if you or your clients need some help. terry@theloansquad.com

For credit repair www.everestcreditservices.com , remember that you get a deal and no one pays!

Getting more bang for your buck.

Everest Credit Services — Tue, 19 Aug 2008 10:58:08 -0500

Like you, I seem to find myself with less and less time to take care of my business.

Also, like you probably do, I struggle to get my five (minimum) personal notes out each day as well as any "thank you" cards to customers and referral partners.

About a year ago I stumbled across a service that makes this a breeze. It is called Send Out Cards and here is the link.

www.sendoutcards.com/23876

I don't have to go to the store and search for that special card I just go online to where they have literally thousands of cards on just about every subject.

These are very nice cards. Let me know if you would like more information.

Finally Credit Repair That Works

Everest Credit Services — Mon, 18 Aug 2008 21:28:58 -0500

After trying several credit repair companies. I finally found one that guaratees results!

Thank heaven.

And as a real estate professional you can actually have a link on your website that you can send people to so they can get started. Fact is, if this company doesn't improve a clients credit score they offer a 100% + $50.00 guarantee!

Add to that the fact that if you refer the client you make an extra $50.00 as Realtor or loan officer and you have a win-win.

You get to keep up with the client and are notified when they are ready to buy!

Look at your book for the last year. How many people couldn't qualify that if you can just get them in credit repair become a tank of gas today and a buyer later.

Some have raised RESPA concerns. This is not a Real Estate Settle Procedures item and as such not governed by RESPA.

We have agents who have already reffered and got paid for 10 or more clients. Some have even sold their previously un-qualified clients homes.

This is not witchcraft or hocus-pocus. This company utilizes only tried and true FCRA (Fair Credit Reporting Act Rules) to make this happen.

Want to take part in it? email to info@EverestCreditServices.com or info@RefurbishMyCredit.com.

Visit the website at www.RefurbishMyCredit.com and see what it is all about.

This is available for all 50 states.

Why are interest rates so high?

Everest Credit Services — Tue, 12 Aug 2008 09:02:15 -0500

Despite a soft stock market and a strong bond market interest rates on mortgages continue to rise. Why is this?

Interest rates on home mortgage are driven by several factors. The most obvious is the bond market and the mortgage bond rate. Fact is, while Fannie Mae and Freddie Mac were once considered almost as strong as the government, they are no longer viewed that way.

So, while interest rates remain low mortgage rates continue to rise due the amount of yield over the treasury rates that investor demand to put what are perceived to be riskier investments on their books. Given the spread of two years ago, mortgage interest rates should be in the 5.375% to 5.5% range. Instead they are roughly a full percentage point higher.

Until the market decides it likes mortgages again and demand for them increases, we will not likely see this trend change. We are also in a time of historically light mortgage production which counters the theory that lack of supply creates demand but the fact is the world's stomach is soured on US mortgage production. Virtually every country goobled US mortgage production for years until mortgage headed south. Now our production to the rest of the world is viewed as toxic waste.

Until we prove to the world that our production is once again worth buying, I think we will continue to see spreads widen and rates on mortgages continue to increase.

Make your next open house a winner!

Everest Credit Services — Tue, 12 Aug 2008 08:49:29 -0500

Terry Ross
Branch Manager
Benchmark Mortgage
Phone: 832-473-8795
Fax: 832-201-0791
terry.ross@benchmarklends.com
www.TheLoanSquad.com

Make Your Next Open House a Winner
Provide Prospects with Finance Options

Many Real Estate professionals feel that open houses are too time-consuming. Frankly, they are time-consuming. But I can provide assistance as a mortgage professional on hand to field many questions for you regarding financing options.

Even in a booming market, homes don't sell themselves. I would like to be an ally for you and assist you at your open house events by providing answers to questions about financing on location. I am prepared to help you roll out the red carpet for your upcoming open houses with the following info-marketing materials:

Pre-qualification on the spot
Sample financing options for the property
Current "Hot List" of loan programs
Information about the credit scoring process
Tips for credit cleanup
First Time Home Buyer's Guide*

As a follow-up, I can also provide pre-approval for prospects so they may shop as a cash buyer. Your seller will receive legitimate offers through this process, and I will be able to weed out any unqualified prospects. I have a sophisticated database management system for follow up, and I ask many questions about each prospect's long-term goals. This enables me to get a clear picture of what type of financing is best for them, and work with them as an advisor rather than someone who simply quotes rates and provides the debt.

It is important for you to know that my policy is as follows: My job just begins when the client's loan closes with me. I continue to monitor rates for the borrower and stay focused on helping them manage this debt. In addition, I send out a friendly quarterly newsletter, a financial newsletter, and follow up with an Annual Mortgage Planning Review. At any time throughout the life of their loan, my clients are advised to inform me of any changes which might affect their financial situation, at which point I provide them with spreadsheets to help them see what their options are.

Let me know when you would like me to work an open house with you, and provide me with the property information so I may prepare relevant materials to outline financing options for the home.

*RESPA laws require Real Estate professionals to pay a proportionate amount of the costs for co-op marketing and distribution. I have negotiated fair rates with my vendors, and I believe you will find the costs are reasonable. (See http://www.hud.gov to access RESPA ruling 24CFR3500.14.)

Creative Tax Tips for Real Estate Agents

Everest Credit Services — Sun, 10 Aug 2008 16:00:06 -0500

Terry Ross
Branch Manager
Benchmark Mortgage
Phone: 832-473-8795
Fax: 832-201-0791
terry.ross@benchmarklends.com
www.TheLoanSquad.com

Creative Tax Tips for Real Estate Agents
Money-Saving Ideas You Won't Want to Miss

Albert Einstein once said that "the hardest thing in the world to understand is income tax." For Einstein, tax return preparation was the business of "philosophers, not mathematicians."

If there's anyone who can truly relate to this famous quote, it's a real estate professional. With fluctuations in income and an ever-changing real estate market, it's easy to see how one or two minor mistakes can be costly or even detrimental to your bottom line.

As your long-term strategic business partner, your success is important to me, and so I'm always searching for ways to add value to your business to help give you an edge over the competition. With this in mind, I'd like to share with you a great interview I have on CD with expert tax attorney, Ed Lyon, an award-winning author, speaker, and consultant. Ed Lyon concentrates his practice on helping real estate agents and investors avoid costly tax mistakes. In just one hour, you can learn several small changes you can make to save thousands of dollars in income taxes.

For Ed, the key to tax preparation is preparation itself, and his forward-planning process provides "audit-proof" tax deductions, credits, and loopholes that even Einstein could appreciate. From cars, meals, entertainment, client gifts, and home offices to retirement plans and medical expenses, these deductions amount to huge savings for real estate professionals in today's marketplace.

Topics discussed include:

Create an ongoing, proactive business plan to legally beat the IRS without raising a single red flag.
Discover the pros and cons of S Corp, C Corp, and LLCs, and how real estate agents should structure their businesses to maximize money-saving deductions.
Learn the proper documentation to avoid "gray areas" and protect yourself from IRS audits. The IRS provides very specific guidelines as to what records to keep and for how long. By being prepared to produce these records, any potential action taken by the IRS can be immediately resolved.
Utilize family employment strategies to recover many qualified "unreimbursed" expenses, including high-ticket items, like braces for your children's teeth!
Find out about the "creative tax deductions" real estate agents most often overlook, including home office, automobile, meal, and entertainment expenses, as well as the IRS-approved method for simplifying the documentation associated with these deductions.
Learn the importance of meeting with your CPA or Tax Preparer quarterly to create peace of mind and avoid the anxiety of the April Tax scramble.

Listen to this interview while you're in the car or at the gym and see if there aren't a few ways you can make your income taxes less taxing. Call me, and I'll send it over right away.

H R 3221 Housing and Recovery Act

Everest Credit Services — Fri, 08 Aug 2008 07:14:32 -0500

Terry Ross
Branch Manager
Benchmark Mortgage
Phone: 832-473-8795
Fax: 832-201-0791
terry.ross@benchmarklends.com
www.TheLoanSquad.com

On July 30, 2008, President Bush signed into law H.R. 3221, the "Housing and Economic Recovery Act of 2008," a sweeping $300 Billion rescue plan to help struggling homeowners avoid foreclosure, and to boost confidence in the sluggish housing market.

As your trusted mortgage advisor, I wanted to let you know that I am in the process of analyzing this landmark legislation, how it affects you, and what opportunities it presents to your financial goals and needs.

The bill itself is very large (hundreds of pages!) and contains many complex provisions that can be interpreted in different ways. In fact, I've already seen and read a lot of conflicting analyses of this important bill in the media.

Rest assured, you will be hearing from me soon with accurate details that you can trust regarding this bill, and more importantly, how you might benefit from it. Some of the highlights include exciting new tax incentives for homeowners and homebuyers, an extension of higher loan limits at preferred interest rates, and real help for homeowners that may be headed towards foreclosure, all of which will help strengthen property values in our neighborhoods. In addition, the new tax credit and pending changes for certain mortgage programs could make this the best opportunity in many years for a first-time home buyer.

If you have any questions or concerns regarding the new legislation and how it may affect your mortgage or your plans to buy a new home, do not hesitate to call.

Sincerely,

Terry Ross
Benchmark Mortgage
832-473-8795
terry.ross@benchmarklends.com

Sell your listings faster

Everest Credit Services — Thu, 07 Aug 2008 21:14:34 -0500

In my booklet, which I can send you free, there are two really awesome tips your seller can use to sell the listing faster and put them ahead.

Sign rider says:

"Seller pays down mortgage three years"

"No Payment for Four Months"

How is it done? Any loan allows for up to 3% seller contributions. 3% will do either of the two above. This will generate many phone calls and when sold properly to buyers, get you more double sided deals than virtually any other hook out there.

I know how to do these hands down, better than potentially any other lender out there. I am also a "Certified Mortgage Planning Specialist" www.CertifiedMortgagePlanningSpecialist.org . There are only about 2700 of us nationwide right now.

This is scary. That means there are potentially tens of thousands of under-qualified loan officers, or loan officers without the clients best interest in mind lurking in the shadows of the mortgage industry.

I own not only a mortgage company, but also a credit repair company, which actually garauntees results.

I can take care of your customers and do business in virtually any state.

I hope my creditials at least spark your interest to contact me and learn the abilities of my team.

We are direct lenders, in-house processing and underwriting. Quick closings.

Please contact me or visit my website. www.TheLoanSquad.com

Garaunteed Credit Repair

Everest Credit Services — Thu, 07 Aug 2008 20:51:39 -0500

State of the Market,

The problem with today's market is obviously the fraud that was not only encouraged, but embraced by Wall Street over the last ten years. In my opinion, what the agencies, meaning Fannie Mae and Freddie Mac are looking for is zero foreclosure to offset the rampant foreclosures of the past year.

This will serve to pare down the losses of the past by balancing them with the future.

Now, more than ever, it will be critical to have on time payments broad spectrum, and good credit across the board.

I can help you our your customers using my in-house credit repair company. The performance is garaunteed, and your customer benefits.

Please send me your referrals for either pre-approval or credit repair.