ethical lender: My prequals not good enough for you? Part 2. - 12/11/07 01:18 AM
I wrote a blog a while back called My prequals not good enough for you?. It was the first and only featured post that I have written so far. There were around 75 comments or so and many of them had the same tone. Many of you responded with something to the effect that Prequals are worthless, not worth the paper that they are written on. Still I am asked for prequals all the time. Many Realtors complain that they do not like prequals and that a lender or broker's prequal is worthless to them, yet they still continue to ask … (4 comments)

ethical lender: The Power Of Links! - 12/06/07 08:28 AM
I know that Meta tags and Keywords are important for SEO. One thing that I did not realize until recently is the power of links. Someone told me in response to one of my posts that Google.com loves deep links. I have found this to be true for just about every search engine out there.
Before I was even on my companies website just the mention of my name in a search engine brought up my companies website. I linked http://www.lakecitymtg.com/ to so many sites, blogs, and forum posts that it began receiving better ranking than it had previously without making any … (4 comments)

ethical lender: When Realtor business is slow ...Any ideas? - 12/04/07 02:20 AM
I have not posted anything in a while on my marketing campaign. I got a lot of help from all of you during my implementation phase. I have not posted any updates because I have been busy implementing my strategies. I wrote on here about how I was working to team up with a few Realtors for a reciprocal referral networking solution. I got the idea to promote my Realtor counterparts properties.
A fellow Active Rainer who owns a marketing firm called me up and his platform happened to fit perfectly into my marketing approach. Now I create a website for every … (7 comments)

ethical lender: I'm on my company's website!! - 11/30/07 02:57 AM
I have written about my past experiences and progressions in this industry. I wrote about how I left Plattsburgh, Ny began my career in Saratoga, NY. I moved from there to Glens falls and worked for another mortgage company then moved back to my home town. I have written about how there were not any mortgage companies hiring when I came home and how I did not have the start up capital to start my own mortgage company.
I have been here for several months now and business up here in Plattsburgh, NY is thriving. Much of my business comes from the Realtor contacts … (2 comments)

ethical lender: Seller's Remorse? - 11/28/07 01:58 AM
I wrote a blog yesterday (http://activerain.com/blogsview/287283/Do-you-want-to) about a loan that I've completed that the sellers will not close on. I spoke to the seller's attorney yesterday after I wrote the blog to find out what is going on.
He told me that he really doesn't know. He said that the seller came into his office in the morning and kept going around in circles about why he could not close on the deal. His attorney told me that he was not making any sense. He says that the guy is living in an upstairs apartment in the garage and cannot move his … (15 comments)

ethical lender: Do you want to sell your home or not!? - 11/27/07 05:42 AM
I wrote a blog a while back that can be found here http://activerain.com/blogsview/234185/Did-I-do-something. Well this person came back to me for financing after the deal fell through with the other lender who was dishonest with my client. My client came back to me and he said that "he should've never left me in the first place". He was crunched for time when he came back to me and he told me what his time constraints were. He was not sure whether or not I could do it for him and he wanted to know for sure before making a firm decision … (0 comments)

ethical lender: "We're Neighbors. We need to take care of each other up here." - 11/26/07 02:28 AM
I had a great Thanksgiving weekend. I spent my Thanksgiving in Mountain View, NY which is one of the coldest places in this country. Cold but very beautiful. I was planning on taking a bunch of pictures and uploading them to my blog, but I did not get that many. I will add the ones that I did get to another post.
The landscape is absolutely beautiful. There was about 2 feet of snow outside my mothers cabin and all of the trees in the back were coated in ice. There are quite a few properties for sale on the main dirt road. … (5 comments)

ethical lender: Happy Thanksgiving!!! - 11/21/07 07:39 AM
Today has been much slower than we are used to here at Lake City Mortgage. I have around 6 loans that I am working on for next month. I guess there is no hurry, I just like to get things done quickly. I have had to find a balance for myself today. A couple of the advantages that a person realizes in working with me is the efficiency that I provide by keeping everyone involved in the process updated within minutes of every new update that I get from my processing and underwriting team. If I know about it then everyone else … (4 comments)

ethical lender: Rapleaf? - 11/21/07 05:43 AM
I was going to wait until after this weekend to post my 100th post. I wanted my 100th post to be special so my plan was to take a bunch of pictures of the Adirondacks this weekend while I'm at my mothers home. I am going to visit my mothers new home tomorrow and over the weekend. The new home that we just closed on at the end of October. This year my mother is hosting Thanksgiving which is awesome. Because of the condition of her previous home she has not been able to host thanksgiving since I was a small … (9 comments)

ethical lender: Does it feel like Friday to you too? - 11/20/07 02:51 AM
It really feels like a Friday to me, I can't explain it but Fridays have a certain feel to them. Everything is laid back in the office on Friday's. Many companies consider it dress down day. Whats funny about Fridays is that I am usually less gung ho and yet I seem to have super productive Fridays. It's kind of like the idea that if you tense up in the middle of a car accident just before impact you usually get much more hurt than if you were to have stayed relaxed. On Friday I just sit back and the calls … (6 comments)

ethical lender: What comes first? - 11/19/07 06:35 AM
One of the most important pieces of the real estate transaction puzzle that will come into play even before the details of the financial transaction are defined is finding the right home. Finding the perfect home is not always an easy task. There are many things to consider when determining whether or not to make an offer on a home; 1. How many people are going to be living in the home? Is the home of interest large enough or small enough to accommodate your needs?
2. What is the tax rate in the area? Are you or the home eligible … (0 comments)

ethical lender: Honesty Always wins!! - 11/16/07 04:14 AM
I have closed quite a bit this month. Fee for a Mortgage Professional is a relative term. My fee this month is pretty high because of the number of loans that I have closed but for many other companies I'm sure that my numbers are low. It really has to do with the split, I can afford to keep my costs very low.
 I always give good honest quotes. So honest in fact that some people decide not to do business with me because they are getting a better quote from another lender. My fees are so low and my quotes are so … (7 comments)

ethical lender: Helping the fight against MDA!! - 11/15/07 06:51 AM
I truly believe that any true professional in this industry truly enjoys being able to help people any way that they can. We are not in it for the money, the money is a by-product of helping people; like Zig Zigglar says "if you help enough people get what they want you will automatically get what you want" I have quoted that quote by Zig a few times because it is so true.
The reason I am writing this post is because I want to comment on what my manager here at Lake City Mortgage is doing. He is helping to … (2 comments)

ethical lender: Lender411 - 11/15/07 03:25 AM
I was recently approached by http://www.lender411.com/ to be a guest author. I have checked the site out and it is great. I wrote one article there which I also made a post here the article is at  http://www.lender411.com/article-center/index.php?page=article&article_id=98. It was my first article and not really that rich although there is some useful information there for first time home buyers. Since then I have written 2 very good articles for Lender411.com and as soon as I hit the submit button the article disappeared and I lost it both times. I think that there is something wrong with the way that it registers time, … (2 comments)

ethical lender: Old Style Classic Homestead Style Home in Village!! - 11/13/07 08:07 AM
This is an classic old style village homestead home. The price is right and the location is great. go to the website to schedule a viewing today!!
 
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ethical lender: Great Farmhouse! - 11/13/07 06:52 AM
This home really is priced to sell. All of this for under 150k? Its true and this home could be yours. To view all of my property listings go to http://www.mortgageny.net/ and click on homes for sale. I will be updating it regularly as I add more properties and take some down.
 
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ethical lender: Great Get-Away!! Earn money during the off season!! - 11/13/07 06:28 AM

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ethical lender: FTHB and some things to look out for! - 11/12/07 11:57 PM
I recently got done working with a couple whom purchased a home for the very first time. In this business we often refer to these people as FTHB or First Time Home Buyer's. I love to work with first time home buyers, it's a real joy to be the lender who had a part in making their dreams come true.
Now because I work with FTHB's I want to try to help any of you out there avoid some mistakes that can have an impact on your ability to secure financing. Often times it is best to work with a lender … (0 comments)

ethical lender: My Father. - 11/12/07 05:17 AM
Today is Veterans Day. My Father served in the Military in Vietnam. He did 4 tours on the front lines, he estimates that he killed around 720 people. My father put his life on the line on a daily basis to fight for this country. Now my father is "100% mentally disabled service connected" I believe is the phrase that they use to describe his mental well being.
Today the banks are closed down and there are a few things that are affecting me as a result of todays national holiday. Every Veterans day there is something that reminds me of the occasion and … (2 comments)

ethical lender: www.mortgageny.net - 11/12/07 03:18 AM
I just got a new website, I think that its pretty nifty. It doesn't have all of the bells and whistles yet, but it will by the end of the work. I plan on tweaking it out like crazy over the next couple of weeks. I have used from AR how to add robots to my site to check for fresh content regularly and some other neat little SEO tricks. There is a blog on my website as well. I think that I may post many of my AR blogs there and vise versa. I would like these blogs of mine … (2 comments)