Inspiration to Wind Down/Wind Up the Year - 12/17/09 08:26 PM
 
I have a commitment to read at least two hours of professional material each week. It's hard to beat  this inspirational classic, "Acres of Diamond," first published in 1890.
Written by Russell H.Conwell, the founder of Temple University, this work originated as a speech which Cornwell delivered over 6,000 times around the world. Conwell's capacity to establish Temple University and his other civic projects largely derived from the income that he earned from this speech. In this, he showed us how to use wealth wisely.
I hope you'll enjoy the download as my year-end / new-year gift.

… (2 comments)

Your Mortgage Rate - 30 reasons why it is different - 12/09/09 06:34 AM
For many people the first question they ask a mortgage loan officer is, "What are your Mortgage Rates?" When I get this question, I could flippantly choose between any of these answers:
A. That DependsA. Anywhere from 1% to 10%, what would you like them to be?A. 5% plus or minusA. Rates on what?
As you can see, none of these answers really answer the question that the caller really wants to know. I recently did a quick count, and I added up 30 questions that need to be answered before an accurate rate quote can be given.  Here is a … (2 comments)

Employment Reports and Mortgage Rates - 12/05/09 10:44 PM
The November jobs report released on Dec 3rd led to the continued increase in mortgage interest rates.  From Dec 1st to the 3rd, rates already jumped  0.25% to 0.375%  from the all-time lows.
The government's November Non-Farm Payrolls allowed most pundits to claim that the recession is nearly over, if not over already.  I still have a hard time believing this when over 7.2 million jobs have been lost so far in this recession, and we haven't had a net increase in jobs for over two years.
However, many analysts correctly point out that employment figures are lagging indicators for the economy. This … (0 comments)

 
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Tom Tousignant, CMPS, NMLS id#56471

Charlotte, NC

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Fairway Independent Mortgage NMLS id #2289

Address: 8832 Blakeney Professional Drive, Suite 102, Charlotte, NC, 28277

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