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Good Faith Estimate Revisited - 10/25/07 01:59 PM
The Good Faith Estimate is an "ESTIMATE" of the cost of the loan you've applied for. All lenders are required to provided you with it and its' companion the "Truth in Lending" form within three days of your application. We're going to go through it line by line, but the individual lines are unimportant! You should be concerned in the total cost of the loan not individual line items. There's an old saying "figures never lie, but liars figure" it is never so true as it is in these two forms. Because, different rules apply to brokers as compared to bankers a (9 comments)
A Call I Wish I Hadn't Made - 10/23/07 04:35 PM
I got a letter though AR. A listing agent wanted an investor, was I or any of my people interested in this listing? A single family house in a distance state, appraised at $785,000.00, listed at $725,000.00, but only for home buyers, investors could buy it for $660,000.00! (I should have stopped at that point. I wonder how they put that into the MLS.) Wow! A $125,000.00 in equity. Or, maybe $65,000.00! Did I want to refer an investor to make all this money? Can you believe it a $125,000.00 in free profit? My reaction of course was are you kidding me? But, (9 comments)
Dad's Shop - 10/22/07 02:49 PM
I was born in Central Michigan. Son and Grandson of men that fixed it themselves. I don't remember a time when if something need fixed or built Dad didn't do it himself. I remember when I was very young pestering Dad as he worked on a car in the drive way. I remember the first major project we worked on together. My Mother needed a dependable car, Dad couldn't afford a new one, it was 1956 and insurance adjusters didn't make all that much. Dad bought two nearly new 1956 Oldsmobile 88's, two! Of course there were two little problems! One (7 comments)
Why Real Estate - 10/18/07 09:40 PM
Have you ever considered what tenants miss? Have you ever considered how important a home of your own is? I'm talking about a home like an old fashion marriage, not serial monogamy as practice by so many. A home like Mom, not Dad's third wife. A home like our Grandparents kept or maybe your Great Grandparents. My Brother, Jack may have owned a condo in Florida once, I don't know for sure. But, he understood how much a small peace of real estate could mean. See:Grandmas' House Jack though so much of this he'd hired an artist to illustrate it and it hung (0 comments)
I'm the oldest of five. Born in 1948, two years after my parents were wed, I've always been proud to be William Junior. I didn't surprise anyone, not like my brother "Ops" born just ten months later, Mom called him Jack after her Father and Brother. (Thank God they didn't let Fathers in the delivery room back then! Short of being twins that's the only way we could have been closer.) I was almost three when on the same day Shirlie and Teddy came home. Shirlie is my sister and Teddy was our Chow-Chow puppy. Teddy was more fun for the (3 comments)
Least we forget, possession is a negotiable item! - 10/15/07 02:43 PM
When I came west from Michigan twenty three years ago, I was shocked to learn that possession in Nevada and perhaps most of the West is excepted to pass on the day of closing. In my experience I knew closings get held up and sometimes blow-up! I found the idea both un-civilized and a grave violation of my view of the listing agents fiduciary to the seller. The only thing worse is possession before closing. Many, if not most, sellers can't afford temporary housing until their home closes, let alone move out then have the sale fall through. Temporary housing while waiting for (0 comments)
Bunk, BUnk, BUNk, BUNK - 10/10/07 11:16 PM
Bunk, BUnk, BUNk, BUNK A comment on Where' the Bottom of the Burbank Real Estate Market ? I don't believe you can apply the principles of technical analysis to home purchases! Nor do I believe you can apply them to small (1 to 4 unit) investment properties in a tough market. No one likes to crunch numbers more than I do. Many years ago as an expatriate banker I got to learn from the best. I joined Michigan's CCIM Marketing Group as a canadate for a CCIM, but a year later I was not making sales. I learned to prove that no property was (5 comments)
Viva La Difference / Unjustified Assumptions - 10/02/07 10:10 PM
I wrote a blog about illegals and loan fraud and got a comment from a well intentioned writer that I just can't forget. I don't think the writer did anything but express the frustration we all feel, when we group people by heredity instead of their personal choices. The comment: "It is amazing that many of todays top LO's are hispanic - I wonder how many of them belong in jail." What's so "amazing?" Do you know how many Americans are Hispanic? Most LO's are licensed and often insured or bonded, I'm sure very few are illegals. I'll bet between us we can't find (18 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.