transparency: Pending Death and Future Living. Transparency, Technology, Social Media, Business Strategy, With Some Economics Sprinkled On Top - 01/13/09 02:06 PM
So, I've been running my mouth about this word called ::Transparency:: for a few years now. When you wax philosophic on a topic for so long, watching it manifest in the main stream elicits redemptive emotions.
What is Transparency? The word has a far reaching and fascinating taxonomy depending on what … (21 comments)
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transparency: Real Time Paradigm Shifting in The Real Estate and Mortgage Industries - 03/12/08 03:31 PM
Real Time Paradigm Shifting in The Real Estate and Mortgage Industries
Very few will argue that we are in the midst of an historical era of change, largely leaving the Industrial Age heading steadfast and firmly into The Age of Information.
Transitions between era’s have traditionally taken anywhere from 100,000,000,000 to … (22 comments)
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transparency: The Mortgage Cartel and the Need for Transparent Mortgage Search II - 04/02/07 11:49 AM
Picking up where the previous post left off…..
Faced with the most uneven of playing fields, many brokers rationalized a culture of deception. One look at a typical HUD-1 broker closing statement is all the proof you need. Nevertheless, it was the online direct lender that posed the most imminent threat … (2 comments)
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transparency: There's No Discount Here! - 11/16/06 05:59 PM
What is a discount brokerage? Over the years the term has come to be interpreted as discounted cost for discounted service, which is a time tested loser. Discounting service is the surest way to become 'out of business'. Discounting cost is often a strategy of less experienced brokers trying to gain … (6 comments)
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transparency: The Morgage Industry’s Internal Civil War - 11/09/06 03:28 PM
YSP’s have gradually made their way into the American homeowners conscious, rising from relative obscurity. While this is progress, their use in relation to their intent is still misunderstood, manipulated, and maligned. Although more consumers are now aware that YSP’s are cash rebates Lenders pay for a borrower to accept … (146 comments)
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transparency: The Potential Effect of Transparency in the Mortgage Service Industries - 11/08/06 04:04 PM
Some members of blogging and other community platforms I belong too tend to misinterpret my MO…calling me ‘negative’, an ‘idealist’, ‘mud-slinger’, etc. Contrary to popular belief, I’m not the Grim Reaper, although my posts may have a sensationalist, tongue-in-cheek, even rapine roll to them; so at times it is hard … (10 comments)
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transparency: Swindlers List - 10/27/06 04:45 PM
WARNING: What you are about to read are 100% factual accounts of grievous broker misconduct. The rules regarding YSP and disclosure are clear, yet some broker/bankers continue to operate as if they’re above the law.
If you’ve never seen this 2-page brief on YSP & Consumer Disclosure from the California … (14 comments)
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transparency: "The United States of America vs. The National Association of Realtors" - 10/25/06 02:56 PM
Couldn’t refuse the title. “DOJ Intent Leaks Ahead Of Meeting With NAR, DOJ Denies Leak” from The Realty Times reports. Things are not looking good when the Government is threatening your organization with an anti-trust suit. I don’t care if you’re innocent or guilty—you better have deep pockets.
Which brings … (2 comments)
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transparency: Roots of The XBroker - 10/10/06 09:04 AM
The seed was planted two years ago when I decided to reinvent my own mortgage brokerage—a traditional operation on the East Coast. Tired of peddling ‘low rates’ and ‘great service’ while competing with 4000 other mortgage monkeys, I had the ‘novel’ idea of marketing a mortgage business that only tells and … (2 comments)
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transparency: Mortgage 2.0 - 10/10/06 08:55 AM
How come you can call 5 different brokers/bankers on the same day, with the same information, and receive 5 completely different quotes? Good question. All brokers/bankers have access to the same rates and programs; the 5 different quotes represent 5 different cost estimates to obtain the exact same mortgage. The main … (5 comments)
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