A bend in the road is not the end of the road, unless you fail to make the turn. : Author unknown Yes! The real estate market has a lot of bends for us to go through, but the road continues with those of us who do not quit! Let's keep turning…

This new mortgage will affect every American looking to mortgage a home. And the impact will be felt by all of us. Regulators are deciding the future of down payments. For those who have minimal down payments, FHA will become the norm. The…

Title issues are rampant! Foreclosures not executed correctly, sloppy mortgage recordings, trying to determine who owns the mortgage all contribute to delays in title clearance. The solution? It would be in everyone's BEST interest that as soon…

The deficit panel is reviewing the “mortgage interest deduction”. This deduction saves homeowners $134 BILLION in taxes. By modifying the deduction over time, the government’s plan is to reduce the deficit, accordingly. But what about the homeowner…

100, 000 points. Sign of passion over this business? Perhaps I just love blogging? Enjoy receiving comments? Look forward to the next client who finds me because of ActiveRain? Or my intense desire to see us recover from this economic recession and…

We have seen the number of foreclosures rise to over 800, 000 this year; mostly residential homes. The number next year will be including a great deal more of commercial properties. How will this affect our cities & towns? What should we be…

"Mistakes are part of the dues one pays for a full life. " Sophia Loren (1934- ) Italian Actress Mistakes ARE part of life. We, hopefully, learn from them and become better once we realize the action was a mistake. Do we regret them? Perhaps,…

HACHI: A Dog’s tale This movie with Richard Gere is GREAT! A definite MUST see as a family movie. It is a G-rated movie filled with love and loyalty and will leave you feeling life is so special when you have love and loyalty in your life…

Am I just not getting it? Where is the COMMON SENSE? Client owes $140k on their first mortgage; $130k on their 2nd and $17k on their 3rd. They have been APPROVED for an 85% LTV (loan to value) and a 90% CLTV (combined loan to value) with FHA…

The trees that are slow to grow bear the best fruit. " Moliere One client at a time; one loan at a time; one sale at a time; one open house at a time; one marketing lead at a time. It’s a step process: baby steps; sometimes a large step. But…

This season of "The Apprentice" has got it right: we are in a recession and unemployment is HIGH! There are SO many competent people unemployed right now who NEED a job to support themselves and their family. Donald Trump has selected 20…

ASSUMABLE MORTGAGES FHA loans are assumable. What does this mean? When you purchase a home using the FHA program OR you refinance your home using the FHA program, when you go to sell your home, you can offer the buyer your mortgage. They can…

"Hope sees the invisible, feels the intangible, and achieves the impossible. " Anonymous When all seems lost or all seems dire, there is always HOPE. Hope for a better tomorrow, hope for a cure, hope for success, hope for unemployed, hope for…

Be PREPARED! 1. Install storm shutters and secure your garage door. 2. Make sure you have plenty of bottled water and canned food in case power goes out and you also can not make it to a supermarket. 3. Move personal possessions to the center…

HUD has announced that there will be change in the UFMIP (Up-front Mortgage Insurance Premium) and monthly mortgage insurance premium (MIP). While the mortgagee letter is not out the buzz is getting out. The new premiums will be effective with…