real estate: Here are some great tips to delight YOUR customers: - 06/17/11 12:52 PM
Here are some great tips to delight our customers:
1. Notice your customers.2. Look good and feel good.3. Greet them by saying "Hello". "Good morning", "Welcome" or "How may I help you today?"4. Smile.5. Give the customer your full attention6. Provide the customer with what he or she needs, and offer alternatives.7. If you don't know, say "Let me check for you".8. If the customer is upset, remain calm, listen, apologize and take action.9. Thank every customer and ask "Can I be of further help?"
… (2 comments)

real estate: Reasons not to refinance - 06/17/11 12:34 PM
-You shouldn't refinance if you are not planning on staying in the home long enough for the savings to at least cover the refinancing fees
-If you have been paying on your loan for more than ten years it may not be worth it to you to refinance. Within a certain amount of time you begin paying down the principal and paying less interest
-If your credit isn't what it used to be it may keep you from obtaining a low enough interest rate to make refinancing a viable option
… (1 comments)

real estate: Why you should refinance! - 06/17/11 12:05 PM
Reasons you should refinance:
Want to lower your monthly payments?
CASH out on your home equity to lower debts or etc...
Change you loan program- from adjustable rate to a FIXED rate
If your income has income has changed over the past few years & you are able to make higher payments to build your equity quicker!
… (4 comments)

real estate: Rent vs Own! You tell us! - 06/15/11 06:03 PM
WHY rent when you can BUY?                                                                                                          
 •ü There is no reason to rent when you can own!
•ü  Now's the time take advantage with today's lower interest rates
•ü Take advantage of the BUYERS market!
•ü Down payment assistance available (income must qualify)
•ü Multiple loan programs to help you & your family purchase
 Sunny's Group is fully staffed and prepared to handle all of your mortgage lending needs. At Sunny's Group we strive to provide you with greatness. With our expert team and creative financing you are sure to receive the best customer service and loan programs designed around your … (2 comments)

real estate: Is Your Clients Credit Score Holding You Down From Selling/Buying A Home? - 05/31/11 04:44 PM
Credit coaching  has never been easier, Fast, Efficient!!!
LOAN originators:
Loan Officers at Mortgage Companies and Banks: if you have a client who is falling short of getting approved for a mortgage loan. Contact US to help us, help your client, get back on track and increase their credit score. Contact us to setup a valued relationship
REALTORS:
Credit Coaching is an option designed for individuals who don't really need repair, but need credit coaching to get their credit to move to their desired score or to make sure that clients maintain a score during the stress of a major purchase … (0 comments)

real estate: This is a list of things to steer clear of when you are seeking to obtain financing for a home - 04/20/11 04:05 PM
This is a list of things to steer clear of when you are seeking to obtain financing for a home. The following items may prove to be a detriment when you wish to move forward with the loan process.
 
1.Don't buy or lease an auto!  Lenders look carefully at your debt-to-income ratio. A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying for a home loan.
 
2.Don't move assets from one bank account to another!  These transfers show up as new deposits and complicate the application process, as you … (2 comments)

real estate: Picky First Time Homebuyers Losing Out on Great Housing Deals? What do you think? - 03/31/11 05:21 PM
Picky First Time Homebuyers Losing Out on Great Housing Deals?  What do you think?
 
Check out this article....It is apparent that different geographic areas certainly have different demographics.  In our area most first time homebuyers still meet the FHA, RD and VA loan limitations with maximum financing and are generally happy to be able to qualify given the current mortgage environment.   I do not believe first time homebuyers are not purchasing because they are  "Picky"  ; but due to the fact that financing is difficult and lender property requirements are stringent.
What do you think?  Give me your feedback.
New … (2 comments)

real estate: Mortgage payments how they work! - 03/09/11 02:47 PM
Mortgage payments - How they work
When escrow is used, a monthly mortgage payment is called a PITI payment. That's because each one covers a portion of the following four costs:
Principal -- the loan balance  
Interest -- interest owed on that balance  
Real estate Taxes -- taxes assessed by different government agencies to pay for school construction, fire department service, etc.  
Property Insurance -- insurance coverage against theft, fire, hurricanes and other disasters  
Most lenders require taxes and insurance to be paid out of escrow. Such a policy protects the lender from tax liens and uninsured … (0 comments)

real estate: UNDERWIRITING TURN TIMES - 02/22/11 05:31 PM
 
Purchase :         
Conventional: 2 days (due out by the end of business day Wednesday 02/23)
FHA: 2 days (due out by the end of business day Wednesday 02/23)
VA:  2 days (due out by the end of business day Wednesday 02/23)
                                                                                                                                                   
                          Refinance :        
Conventional: 2 days (due out by the end of business day Wednesday 02/23)
FHA: 2 days (due out by the end of business day Wednesday 02/23)
VA:  2 days (due out by the end of business day Wednesday 02/23)
 
Conditions:  
Conventional: 2 days (due out by the end of business day Wednesday 02/23)
FHA: 2 … (0 comments)

real estate: Post of the day- Service - 02/22/11 05:21 PM

Customer Service is not a department...it's an ATTITUDE AND A CULTURE!
Remember: Customers don't care about how much you know, customers care about how much you care.

… (3 comments)

real estate: FYI: FHA has increased Annual MI premiums across the board by .25% effective with case numbers issued on or after 4/18/2011. - 02/15/11 01:20 PM
FYI:  FHA has increased Annual MI premiums across the board by .25% effective with case numbers issued on or after 4/18/2011.
 
They are also creating new case number ordering procedures and an automatic cancellation policy that is designed to stop case number hoarding.  Credit Policy will be releasing Bulletin shortly.
 
Effective April 18, 2011, FHA Systems will require mortgagees to:
certify at the time of requesting a case number that they have an active loan application for the subject borrower and property. provide the subject borrower's name and social security number for all new construction (i.e. proposed construction and existing … (0 comments)

real estate: Key to a Successful Team - 02/08/11 05:18 PM
Owners and managers have a  huge responsibility in making sure their firm moves forward.  Often, the choices they make around their staff are the biggest factor in whether they are successful or not.
 
Having the right employee in the right job results in happier and more productive employees, higher client satisfaction, a leaner staffing structure, less turnover and ultimately lower operational costs.  Points to share
 
Begin at the Top
 
To build a high-performing team, the advisor should start with a strategic approach.  Organizations that have firm vision and mission statements have higher performance than those that do not.
… (4 comments)

real estate: Word to the wise :) - 02/07/11 05:57 PM
 

Word to the wise
Do you know if your client was happy with your performance? 
 
Statistics indicate that 90% of all unhappy clients generally do NOT tell you their true feelings.  You may feel that you did a good job, jumped hoops, pulled out a miraculous deal, have extensive knowledge and utilize it to help your clients,  but do they understand?    How do they feel?  Even if you get results, what are they telling their neighbors, friends, etc. etc.
 
Word to the wise:  Communicate, regardless of what you think, ASK.  How are we doing?  Are we doing … (4 comments)

real estate: Free Tax Help Available Nationwide - 02/07/11 05:16 PM
WASHINGTON - Over 12,000 free tax preparation sites will be open nationwide this year as the Internal Revenue Service continues to expand its partnerships with nonprofit and community organizations providing vital tax preparation services for low- to moderate-income and elderly taxpayers.
The IRS Volunteer Income Tax Assistance (VITA) Program offers free tax help to people who earn less than $49,000. The Tax Counseling for the Elderly (TCE) Program offers free tax help to taxpayers who are 60 and older.
Today, partners and local officials will be hosting news conferences or issuing news releases nationwide to highlight the Earned Income Tax Credit … (0 comments)

real estate: Go Fairway!!! - 02/01/11 10:30 AM

                                             
Fairway Independent Mortgage Corporation has announced that it has reached its highest annual volume in the company's 15-year history with $3.94 billion in mortgage volume for 2010 as of Dec. 31, 2010. The total exceeds the previous annual record volume of $3.35 billion set in 2009. "We've been very fortunate," said Steve Jacobson, chief executive officer of Fairway Independent Mortgage. "For years, we've been focused on the purchase business, which comprised 80 percent of our volume at the beginning of the year. This year, we were also able to take advantage of lower rates and refinance activity as well. There's … (0 comments)

real estate: Mortgage Mistakes You Can't Afford - 01/18/11 05:21 PM
10 Mortgage Mistakes You Can't Afford   
Beware of the top 10 mortgage mistakes made when buying a new home. Landing a mortgage loan opens the door to home ownership, but it's no longer the inalienable right it appeared to be during boom times. So it's important to choose competent professionals to help make the process smooth. While there are numerous new mortgage-lending regulations to protect you from predatory lenders, there are many new underwriting rules to protect lenders from defaults by borrowers as well. If you want to buy a home today without overpaying for a mortgage loan, you'll have … (0 comments)

real estate: Think Positive! - 01/11/11 05:35 PM
Perhaps we all need to pass on more good news.  It seems with all the constant stream of NEWS and readily accessible information, the result is people who are less trusting, guarded, and sometimes hostile.
 While people may be more selective about whom they choose to trust, that trust means so much more once it is earned. It appears this is a unique opportunity to create more loyal relationships.  We have all been affected by the economic downturn and the resulting extra time should be focused on how we can help one another better serve; one by one building long term … (1 comments)

real estate: Freddie Mac HomeSteps® vs. Fannie Mae HomePath® - 01/10/11 06:14 PM
Freddie Mac HomeSteps® vs. Fannie Mae HomePath®
Incentives to Buy Foreclosed Properties
Effective January 1, 2011 
•·        Minimum sales price $25,000
•·        Single Family Owner-Occupied Only - Homes bought at auction; Commercial, Investment, & Second Homes are not eligible
•·        2 year HomeProtect Home Warranty
•·        Up to 30% discount on new Appliances
•·        No special financing offered
•·        Concessions may be negotiable for Buyer's Closing Costs
 
Fannie HomePath®                                                                                                                          
 
•·        First 15 days the home has been posted for sale
•o   Only Owner-Occupied Buyers can bid
•o   HUD's Neighborhood Stabilization Program Incentives
•o   No investor bids during … (0 comments)

real estate: Military and certain federal employees MUST READ-Get Home Buyer Tax Credits Until 2011 - 01/10/11 05:49 PM
Let's not forget, The Home Buyer Tax Credit bill that became effective on Nov 6, 2009, that military personnel and certain federal employees have an ADDITIONAL year to purchase a home and qualify for the TAX CREDIT!!! If they sold a principal residence between Jan 1, 2009 & April 30, 2010 because they had to relocate at least  50 miles due to "orders", they qualify for a tax credit
There are still limitations to this such as age, income & sales price. 
Who qualifies?
•§  Member of "uniformed" services
•§  Member of Foreign Service of the US
•§  Employee of Intelligence Community
… (3 comments)

real estate: New years Update!!! Don't forget about USDA loans! - 01/10/11 04:09 PM
This loan is very similar to an FHA loan with 100% financing available and if the appraisal allows you can even finance the closing cost.  We often forget to use this loan as the property must be in a USDA designated area, so check you listings and use the look up at http://eligibility.sc.egov.usda.gov
*Generous household income limits also apply and you can check that out at the above link* 
Buyer qualifications
-No down payment required and zero move in cost is possible
-30 year fixed rate loan
-100 % loan plus you can add 3.5 % Guarantee fee on top of that!!!
-Finance closing … (0 comments)

 
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Sunny Group @ Eustis Mortgage Corporation

Biloxi, MS

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Address: 1831 Popps Ferry Road, Biloxi, MS, 39532

Office Phone: (228) 385-0551

Cell Phone: (228) 596-8007

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