mortgage: Home Buyer's Scouting Report
- 06/24/10 09:03 AM
Check out the Home Buyers Scouting Report! If you are in GEORGIA, this is a great tool. It allows you to search for your home based on zip code, school district, size, etc. If you're like me, when you go shopping you don't want a pesky sales person bothering you. This system takes the pressure off and let's you shop until you're ready to make a decision. Give it a try and I'm positive it will be worth your time.
Home Buyers Scouting Report (HBSR) Express. If you're a Realtor and would like more information about the Scouting report, please … (0 comments)
mortgage: I am searching for TWO Motivated Loan Officers
- 04/17/07 04:15 AM
If you are a loan officer or an agent who knows a great loan officer, please let me know. I am searching for two loan officers who are motivated and are self starters. Great benefits and exceptional work environment. These positions are available immediatly and I would love to talk, no pressure. … (0 comments)
mortgage: The Art of Database Management: Working Smarter
- 04/17/07 04:12 AM
The relationship you develop with your customers, combined with the personal information you are constantly collecting, can be a goldmine for future business. The fact is most business professionals spend a significant amount of money marketing to people they don't know in an effort to procure new business. Wouldn't it make more sense to go deeper with your existing clients-to really understand their needs-and spend your marketing dollars on people you already have a relationship with? In Bill Gates' book, Business at the Speed of Thought,* he states: "How you gather, manage and use information to serve the needs of your … (2 comments)
mortgage: The FSBO Assistant
- 02/01/07 06:13 AM
The FSBO AssistantGiving to Receive One nice thing about For Sale By Owner (FSBO) homes is that the owners advertise to the general populace, which makes them easy to find! You have their address in any ad they put out, which means you can do some extremely targeted marketing.Another important thing to know about these "do-it-yourself" types is that most of them fail in trying to sell their own homes, and end up needing the services of a Real Estate Agent. You just need to make sure you're the first agent on their mind!To that end, I recommend giving the FSBOs in … (0 comments)
mortgage: 33 Ways to Sell Your Home
- 12/14/06 06:41 AM
I have a handout entitled "33 Ways to Sell Your Home Fast". If anyone would like for me to email them a copy, please let me know. I can also attach it to an email and forward it. It has proven successful with several agents recently and I would love to help you make more money! … (7 comments)
mortgage: Protecting Your Credit During Divorce
- 12/14/06 06:34 AM
When a marriage ends in divorce, the lives of those involved are changed forever. During this time of upheaval, one thing that shouldn't have to change is the credit status you've worked so hard to achieve. Unfortunately, for many, the experience is the exact opposite. Unfulfilled promises to pay bills, the maxing out of credit cards, and a total breakdown in communication frequently lead to the annihilation of at least one spouse's credit. Depending upon how finances are structured, it can sometimes have a negative impact on both parties. The good news is it doesn't have to be this way. By taking … (2 comments)
mortgage: Rates on the Rise
- 11/20/06 05:03 AM
Short-Term Interest Rates on the Rise Adjustable Rate Mortgage Holders Prepare for Increase in Interest Rates In 2004, the Federal Reserve made it clear that short-term interest rates would be increased at a "measured pace" because of a fluctuating US Dollar, unstable oil prices and an evaluation of other economic indicators. In an effort to curb inflation, the Federal Reserve has kept its word and continued to raise rates, including one incredible streak of 17 consecutive hike announcements following meetings of the FOMC. As a result of these interest rate increases, millions of homeowners with adjustable rate mortgages will feel the sting of … (0 comments)
There is a great debate within the inner-mortgage circles these days. Should we, as loan professionals, encourage clients to borrow as much money as possible? Or would consumers benefit more if we helped them to understand the advantages of 15-year amortization schedules and pre-paying principal? Let's examine the pros and cons of both strategies.
Leveraging Your Property. In order to understand why you'd want to borrow as much as possible for your home purchase, you must first grasp the concept that equity has a zero rate of return. Here's an example: If Consumer "A" buys … (0 comments)
Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the average home shopper knows very little about the whole credit scoring process. Sub-prime borrowers who are eager to move into A-Paper territory often find themselves at a loss when trying to find ways to upgrade their credit history. The good news is there are ways to improve less-than-perfect credit scores and obtain a loan for the home you really want.
The first … (0 comments)
mortgage: Payment and Rate Reduction
- 10/31/06 05:56 AM
Why Refinance Back into a 30-Year Loan? Refinance Your Mortgage for Rate and Payment Reductions One of the biggest reasons homeowners refinance their mortgage is to obtain a lower interest rate and lower monthly payments. By refinancing, the borrower pays off their existing mortgage and replaces it with a new one. This can often be accomplished with a no-points no-fees loan program, which essentially means at “no cost” to the borrower. In the no-points no-fees scenario, the mortgage consultant uses rebate monies paid by the lender to pay off non-recurring closing costs for the borrower. These are “one time” fees such as escrow … (0 comments)
mortgage: Home Improvements
- 10/31/06 05:53 AM
Many Loan Options Available Home Improvements Turn Average Homes into Dreams Come True By Chuck Walden, PresidentSignature Lending Group, Inc
If you’re thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvement loan. Here are some factors to take into consideration.
· How long have you been in the home? · Will the improvements increase the property value? · Are you making improvements to increase energy efficiency? · Will improvements be made in one fell swoop, or in stages? · What is the current outstanding balance on your mortgage? · … (0 comments)
mortgage: Rates on the Rise
- 10/31/06 05:51 AM
Short-Term Interest Rates on the Rise Adjustable Rate Mortgage Holders Prepare for Increase in Interest Rates By Chuck Walden, President Signature Lending Group, Inc
Interest rates are on the rise and many home owners who have adjustable rate mortgages may see increases in their forthcoming annual adjustments.
Federal Reserve Chairman Alan Greenspan made it clear in 2004 that the Federal Reserve would be increasing short-term interest rates at a “measured pace.” With the US Dollar at its weakest point in seven years, oil prices unstable and the evaluation of other economic indicators, the Fed Funds Rate was hiked seven times from 1.0% to 2.75% since … (2 comments)
mortgage: Help Boosting Credit Scores
- 10/31/06 05:29 AM
Getting the Best Interest Rate on Your Home Loan? A Qualified Mortgage Consultant Can Help Boost Credit Scores By Chuck Walden, PresidentSignature Lending Group, Inc
Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower’s income and debt ratios are taken into consideration by the lender, as well as the predictability factor provided by credit scoring. It’s important to have a mortgage professional in your corner that has a keen eye for solutions to improving credit scores in an effort to get the best interest … (0 comments)
mortgage: Home Buyers Face Decisions
- 10/23/06 05:42 AM
Seek a Qualified Mortgage Consultant to Ensure the Best Results Home Buyers Face Decisions that Affect Their Long-Term Financial Picture By Chuck Walden, PresidentSignature Lending Group, Inc
Atlanta, GA – Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available, and it is important to find the one that best fits your personal long-term goals.
First and foremost, you must have a mortgage consultant in your corner that is willing to take the time to know … (0 comments)
Atlanta, GA – Buying a home vs. renting is a big decision that takes careful consideration, as most mortgage consultants will agree. But the rewards of home ownership are great. For many years, purchasing real estate has been considered an extremely profitable investment. It is an achievement that offers a sense of pride, financial stability and potential tax advantages.
Yes, there are certain responsibilities associated with owning a home. Landlords will often argue the benefits of renting, and for obvious reason. … (0 comments)
Check out the Home Buyers Scouting Report! If you are in GEORGIA, this is a great tool. It allows you to search for your home based on zip code, school district, size, etc. If you're like me, when you go shopping you don't want a pesky sales person bothering you. This system takes the pressure off and let's you shop until you're ready to make a decision. Give it a try and I'm positive it will be worth your time.
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