Well, its Sunday morning. Hope it is going well for you? For me, like most Sundays, it is a day of decision. How did it start?

• Central Indiana had a big drop in temperature last night. While we enjoyed a 50 degree day on Saturday it is now single digits with a crisp 30 - 40 mile an hour wind. While I would have LIKED (get ready to hear that word a bunch this blog) to stay in bed, I made the DECISION (another word of note) to write this blog.
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• While writing this blog I would have LIKED to finish without any KB's (kid breaks), Anthony Jr. (the one on the right of my picture) just came to my office crying because he could not find his bunny watch. Well, it is 20 minutes later, I made the DECISION to help find the watch. BTW, no luck. If anyone has immediate access to a "Bunny Watch" for a 3-year old please give me a call.
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• My wife would have LIKED to sleep in a little. She made the DECISION to get up and cook a breakfast for the little guys (always a Sunday treat).

We would LIKE to lounge around with sweats today but we made the DECISION to get ready and head out to church.

• After church I would LIKE to take my little guys to see a movie but I made the DECISION to attend a few open homes.
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• Later today I would LIKE to kick back and watch the Pro-Bowl but I will make the DECISION to do some follow up emails and plan my week.
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• Today, like everyday I come across many thing I LIKE to do but I must follow the DECISION I make to get the things done that I need to do.

With all of that said you're thinking "how does this effect me and why am I still reading this?" There are many things everyone would LIKE to do today but for all of the consumers reading this and all of the real estate agents getting ready to present the open homes you planned all week. Today is the day to make the DECISION to get some business done.

Folks, the market is as low as it is going to get (while most can still buy something). Current changes in lending IS tightening up credit, what most qualified to get a few months ago less and less are qualifying to get today. Read my blogs. MI changes in March will put thousands more OUT OF THE MARKET.

So we would all LIKE to wait and wait. Today, it's everyone's best interest to make the DECISION to buy something.

If you need any help at all, I am available via cell at 317-714-8080 or email at tgrego@sagamoremtg.com. NOW IS THE TIME!

Happy Buying and Selling!
Tony Grego - Indiana Mortgage Broker