Hey Folks!

Hope everyone is having a great day. Today's Quote and Thought asks us to look deep and know why we are all here. Enjoy.

Quote Of The Day:

"You have been created in order that you might make a difference."

                                                                                                      ~Andy Andrews

Thought Of The Day:

"Is there an ending to this story? Exactly who was it that saved the two billion lives? Is there a specific person to whom we could point? How far back would we have to go? How many lives would we need to examine in order to determine who it really was whose action saved two billion people...a number that continues to increase every minute? And how far forward would we need to go in your life to show the difference you make?"

                                                                                                      ~Andy Andrews
                                                                                                                                        The Butterfly Effect

Best Wishes for a great Weekend

Tony Grego
Mortgage Banker at American Bank

hey Folks!

Well I hope it is busy in everyone's world. Today has been very hetic and just having a chance to post. I guess in life and business it is about the "extra"

Quote of the Day:

"The difference between ordinary and extraordinary is that little 'extra.'"

                                                                                                        ~Mac Anderson

And now the Thought of the Day:

"What I've found over the years is that most companies want to do the right thing. They know how they would like to treat their customers and their employees, but they have a difficult time communicating the message in a way that is both inspirational and understood by all."

                                                                                                         ~Mac Anderson
                                                                                                                                              Customer Love

Now if you have some questions or need some help just let me know

At your service,
Tony Grego
Mortgage Banker at American Bank

Hey Folks!

Just when you think you will need to turn a buyer down give me a call or email. Chances are I can help.

1. JUMBO Loans to $1.5 million
2. No Add to Rate on Loans up to $900k
3. Cashout up to 90% ltv
4. No Mortgage Insurance on Special Programs
5. Stand Alone 2nds up to 85% ltv - up to 350l loan amount
6. No Hit for Cashout and No Hit for Escrows
7. Allow 1 Day OFF MLS
8. Interest Only on 3/1 $ 5/1 ARMs
9. No Reserve Requirement
10. 80% on Manufactured Homes
11. Purchases up to 90% ltv (higher with FHA)
12. 2nd Homes up to $500k - 80% ltv
13. No Declining Market Hit! (Special program)
14. HELOC 1st & 2nds up to $350,000
15. Rural Properties OK
16. Land Contracts - provide 12 months cancelled checks - does not need to be recorded
17. 50% DTI on Fixed and 45% DTI on ARMs (includes taxes and insurance)
18. Small 1% pre-pay, Or can buy out for 30bps on all non-conventional, govt programs
19. No Seasoning on Jobs - W2 wage earners
20. FHA Lender in all states
21. VA Lender
22. USDA Rural
23. Work with a personal banker
24. Quick processing and underwriting
25. Close in 10 days or less

Please note that not everyone will qualify for all programs and not everyone will want all programs. I'm just showing options for folks that need solutions that are out of the box.

Drop me a email or call with any questions.

At Your Service,
Tony Grego
Mortgage Banker at American Bank

Hey Folks!

Here is today's Quote Of The Day (It begs us to look at what we do and what we want):

"Aim for service and success will follow."

                                                                              ~Albert Schweitzer

And now for the Thought Of The Day:

"If people don't have in their hearts the desire to serve and make a difference for others, they will not give great service. Mary Kay Ash, the founder of Mary Kay Cosmetics, often said that the secret of her success was hiring nice people and then allowing them to be as nice as they could be."

                                                  ~Barbara Glanz and Ken Blanchard
                                                                         The Simple Truths of Service

Well I will tell you that I'm here to serve. So when you have mortgage concerns or questions I can and will help. Folks as a nationwide lender I can help with conventional, FHA, and VA. Just let me know what help you need.

At Your Service,
Tony Grego
Mortgage Banker at American Bank

Hey Folks!
Today's quote and thought is to remind us all that at the end of the day while we are all sales folks we need to not skip the steps that will make us successful

Quote of the Day:

"Wherever you go, go there with all your heart."

                                                                 ~Todd Duncan

Thought of the Day:

"To rebrand society's view of salespeople, we'd all be wise to follow in the footsteps of the doctor. Question, assess, diagnose and prescribe."

                                                                 ~Todd Duncan
                                                                                          The Simple Truths of Selling

When you have mortgage needs and questions I'm here. American Bank has direct bank rates and will close in 10-days or less.

At your service,
Tony Grego
Mortgage Banker at American Bank

Was at the Indianapolis Colts game last night. As always (it seems) the game is billed as the game of the week/year. Last night was so different. What did I see at the end. Ego vs. common sense.

With just over two minutes to go with a six point lead the Bill Belichick decides to "go for it." As I heard one of the players interviewed on the radio "you don't even do this on the video games."

Well the patriots did not get the first down. Allowed the Colts to eat up the clock, score and win the game. Just another example of putting ego ahead of common sense.

How does this relate to our business? How many times do we let ego control how we handle clients and situations? I guess if we really look it happens many times.

I don't know the the Patriots and Bill Belichick learned a lesson last night but In know that I did.

Happy Selling (with common sense)!

At your service,
Tony Grego
Mortgage banker with American Bank

Quote of the day:

"Achievement seems to be connected with action. Successful men and women keep moving. They make mistakes, but they don't quit."

~Conrad Hilton

Thought of the day:

"If you have no grand plan, ask yourself what small steps you might take to improve the quality of your or someone else's life. Then get busy taking those steps. There's power in thinking small, and you can use it starting now."

~Betty Mahalik
Living a Five Star Life

So in Central Indiana it is a chilly rainy Monday Morning. Do I stay home and let the day control me or do I control my day.

Let me say that I'm already up and moving (even after a short night - Was at the Colts game last night)

Now when you need some mortgage help or just have some questions just drop me a note or give me a call.

At your service,
Tony Grego
Mortgage Banker at American Bank

Hey Folks!

What I do for fun is give tours at the Indianapolis Motor Speedway. I've been a race fan all my live and I'm in a position to do what I love. Of course is does not get in the way of helping folks with mortgages. 

This weekend the Speedway is having a special sale for "friends and family." I feel everyone here is a friend. We share so much information. 

So if your in Indianapolis this weekend and at the gift shops at the Speedway or Airport go buy some stuff. At checkout use the discount code "HULMAN 1" and it will ring up for 30% off.

Thanks for reading and enjoy your weekend

At your service,

Tony Grego

Senior Mortgage Banker at American Bank

Hey Folks!

Just winding down from a very busy day. Helped a bunch of folks with questions about mortgages today.

With the big FHA changes coming homeowners don't know how much harder it will be. I am always wanting to help.

So at the end of the day it was fun. What about you? Good day or bad, need to blow off some steam? Here is the place to do it. Remember that Friday will be a new day and we need to make it better than today.

Good night all

At your service

Tony

Hey Folks!

Ever go to the website www.woot.com? If so you know the deal. If not you need to check it out. Every day the wooters put a item for sale. Always a deal and have limited supply. Best part? $5 shipping (and no sales tax).

I've been wooting for a couple of years and can't say enough about the quality and shipping. I get most items in about 3-4 days.

A couple of weeks ago I decided to go to a netbook vs. laptop (best thing I've done in a long time). Next day a Acer is on woot for $249. Today the deal is better (looks like I'm getting a new netbook). Today is a HP netbook with a big screen (11.6), 2 gigs of ram, 250 gig of hard drive, 6 hour battery and more for just $279. Now if you know about netbooks/laptops you know it is a deal. If you don't know and have been thinking of getting one this is the deal. I've check the local stores and on line and no one can touch the price.

Now when you get your new netbook or just surfing to find a deal send me a email or give me a call with your mortgage questions or clients. I work with American Bank. We are a direct lender with great rates and low fees. Best part? We close in 10 days or less.

Happy Wooting!

At your service,

Tony Grego

American Bank