RECENT BLOG POSTS
I went to a meeting the other day and heard a woman speak about today's market and how important just a few principles are right now.  I will try to summarize this in a few paragraphs.  First of all, the media would have us all thinking that our economy is about to croak.  People are scared to pu...
09/04/2008
This is so exciting!!!!!!!!!!  Here are some bullets to explain the Tax Credit briefly: The tax credit is available for first-time home buyers only. The maximum credit amount is $7,500. The credit is available for homes purchased on or after April 9, 2008 and beforeJuly 1, 2009. Single taxpayers ...
08/25/2008
I am posting this information so we all understand to make sure and give us Loan Officers sufficient time to get any FHA loans done without any extensions.  Of course, I know they come up sometimes.  But FHA underwriting time seems to be getting quite long for most investors.  Here at Valley, we ...
06/18/2008
This blog is for all of you out there that are "misled" by the media.  WE STILL HAVE MANY GREAT MORTGAGE PRODUCTS AVAILABLE!  For instance, we can still do a Stated Income/Stated Asset loan for only 5% down and the rate today was 6.5% with no points or origination fee!  As you can see that is a h...
09/19/2007
5.625% Fixed Rate**  I HATE THESE ADVERTISEMENTS!!!!!  I am so sick of hearing about and seeing these VERY misleading ads.  I have had 3 customers in the last 2 days bring this up.  We all see these ads on the internet and the television.  So, for all of you that don't understand HOW they are doi...
07/10/2007
SO- by popular demand I am giving away my secret recipe--thanks Lucky ;)  I first had these truffles about a year ago and something was missing so I amended the recipe and handed them out at local events and now I am known for these things.  So here is my secret... 1 8oz. package of softened crea...
07/02/2007
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I have never done this blogging deal before, so here is my first.  As you may or may not know, I attended XINNIX, the Mortgage Academy of Excellence.  I am the first student they have ever had from Iowa, so not many people know about this training.  AND, of course, since I was from Iowa, I receiv...
06/29/2007
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Amber Ernst

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