The other day my lead generating service sent me people with a strong accent. I assumed they spoke Spanish even though the name was not Hispanic. I printed my flyers in Spanish and found a house buying guide in Spanish. Then I went to meet them. They were late but they arrived. While I was trying to talk to them before they arrived I kept using my translator to Spanish with no good results. Eventually the English speaking child came on the phone and asked me to wait. They were refugees and they asked me if I spoke Swahili or French. I … (5 comments)
loan officer: Affordable housing in Boise
- 08/05/16 01:46 AM
In Boise we know their is not enough inventory. For fun I decided to look for 3 bedroom, 2 bath homes between $150,000 - $200,000. This is a good starting point for a lot of Boisians who are looking for their first home. It also compares favorably to what the same house would cost to rent. I found 136 of these homes. Some of them new listings others that have sat a while. If you are afraid to get your feet wet call me. Between you me and the loan officer we will figure out what you can afford. Then we … (2 comments)
loan officer: A wild ride in real estate today!
- 01/23/14 10:32 AM
I was up early emailing some buyers about a house and the upfront money required. I called the agent asking for utilities and was told that they were negotiating a contract. I warned my buyers if they wanted any chance on the home they had better act fast. They didn't and the house is gone. I called BLB resourses to extend my HUD contract. They felt I did not have enough documentation. I tried to deal with the loan officer that my clients are using to refi their current home so they can buy the HUD home. My client … (5 comments)
loan officer: My really big deal
- 12/02/13 12:13 PM
I met an older lady while showing a house. She was visiting her sister. She wanted to see the inside of the home my buyer just told me she wanted. I took her number and gave her my card. In the end my buyer offered on another better home. I called her up and offered to show her the home. She wasn't sure if she wanted to buy a home but she was living with her daughter in the old family home. She had no ownership of it since she had divorsed her late ex-husband. She lived on social security and … (3 comments)
loan officer: I am firing my client.
- 07/04/13 11:51 PM
I have worked with the client before. I thought we were friends. I knew he was a bit difficult. The first time I wrote 10 contracts, 2 on the same home. I connected him with all my people. Some of them wont work with him after the first buy. My favorite loan officer asked me not to recommend her. Eventually the last contract closed and I became friends with he and his wife.
After a period of unemployment he got a job out of town. I became their property manager. The tenant was perfect but they wanted out of … (7 comments)
loan officer: Big loan companies seem to slow the loan process....
- 06/12/13 11:53 PM
I try hard to recommend great loan specialists. I have my favorite in Dona Jeka, Pacific Residential services. My least favorite is big banks. It isn’t that I am opposed to the idea of big banks it is more that there are so many levels of bureaucracy that the loan will be held up somewhere. Today’s giant loan place is Quicken…..
For Christmas my client gave his wife a loan approval letter. I was called the next day! We started looking. My favorite still is the first home we saw but it went away before they were settled. We … (0 comments)
loan officer: A feel good story..... My tenants are buying a home!
- 03/26/13 11:22 PM
In the spring of 2007 a 35 year old man got sick. When he woke up from the coma he was in complete organ failure and had some brain damage and hearing loss from the virus. The man and his wife and children were in shock. This was a 2 career family living in a nice home in Seattle. They had done everything right. They had good health insurance. They had good jobs. They were taking care of themselves and their family. When all was said in done the man was unable to work. He had medical bills over the million … (6 comments)
loan officer: Questions about Harp 2? Is it ever coming? What are the fees?
- 01/17/12 10:47 AM
OK I want to poll loan officers on Harp 2. First when is your bank planning to offer the loan? What will be the savings versus Harp 1? Third if you think you can meet the appraisal is there a good reason to wait for Harp 2? I am advising a former client and am not on board with what my loan officer is telling me. It was my understanding that the fees for Harp 2 were going to be less then Harp 1.... The loan officer said that she didn't believe it. Does anyone know the answer? … (1 comments)
loan officer: I hate dealing with big banks
- 12/30/11 05:20 AM
I hate dealing with big banks. It started a couple of months ago. I had new clients that came with their own loan officer. They wanted to deal with their "own" bank. The bank is Wells Fargo. The loan officer seemed competent and had been recommended by their previous real estate agent. They asked what my opinion was....My opinion is that my loan officer can get a loan done in about 2 weeks and that big banks have lots of hiccups where one department does not deal well with the other departments.... Somehow this always makes the loan take 2 or … (7 comments)
loan officer: Grrrr..... Why do some agent try to bully other agents....
- 12/16/11 05:35 AM
Just like in real life there are real estate bullies.... Most of the agents I work with are hard working professionals who are trying to look out for their client and get the job done.... I respect that.....There are a few that are threatening when things aren't going perfect..... For example.... I am the buyers agent for a couple in Meridian Idaho...We went pending on 11/28 and had the inspection on 11/30.... Not bad timing....The loan officer supposibly ordered the appraisal on 12/7... It is a big bank (Wells Fargo) and we all know they usually take a little longer....On Monday … (4 comments)
loan officer: Everyone is trying to sell me something....
- 03/04/08 01:27 AM
Last week I had three people call me to try out their new and different websites... It didn't matter to them that I had two websites and a blog. www.debbieholmes.net, www.homepages.com/debbieholmes1 and this blog. If I just try their product my business will boom and my webranking will skyrocket!!!!!! Sounds to good to be true. Homes.com actually succeeded because they promised me a lot of exposure so my third webpage is.... drumroll........ http://debbieholmes.directhomes.com/ They gave me a great deal and had some cool features. I don't know if this will be useful. Plus I have 2 free featured listings. Got to … (9 comments)
loan officer: Happy Presidents Day Everyone
- 02/18/08 12:52 AM
Before I was a real estate agent this used to be a day off. We as Americans are supposed to celebrate our presidents. Today I will be calling clients and loan officers trying to take advantage that many of my clients have the day off. I also might help my youngest son get ready for National History Day. Things are looking up in the Boise real estate market.
Here is a brief History of the Holiday: This was taken from http://www.patriotism.org/presidents_day/
… (4 comments)
loan officer: OPEN HOUSE on 1408 Dearborn was wonderful. Might even get an offer.
- 02/17/08 12:26 PM
I had one of the best open houses ever. My partner and I had the house shining. What a difference 18 days of 4 people working plus new carpet, vinyl and paint. Before we bought it people would come in and be overwhelmed about the amount of work that was needed on the house. Today everyone loved it. I must of had 10 couples go through it. The first lady wanted to buy it, She asked me if we could do I contract tonight. I said sure but I thought her husband ought to see the house first. I also want … (2 comments)
loan officer: Interesting Weekend, Happy house showings,rehab, loans, snow and a Obama rally
- 02/04/08 11:04 AM
For a slow market I seem to be busy all of a sudden. I showed house 3 days in the last 4..... I showed my tenant houses and townhouses. He is the best tenant I ever had. I offered him the house he lived in. When I called him he told me he thought he wanted to buy that one. Maybe it will work..... He is talking to the loan officer. Saturday, I showed houses to a young women with 2 roommates, her parents convinced her to wait 6 months, she even qualifies for the loan....... The customer that was screwed … (0 comments)
loan officer: I bought my first short sale!!!!!! It funds today!!!!!!!
- 01/29/08 11:49 PM
Hi except for the snow the day went smooth and the house on 1408 Dearborn St, Caldwell, Idaho has closed. It took 2.5 months since I put the first offer in and 100's of hours of work. I found the bank somewhat frustrating to deal with but if you keep calling things can be arranged. I had help from 2 mentors one was Your Success Solutions and the other was Carl Williams (in Boise). I also received a lot of assistance from my loan officer Dona Jeka and my Title officer Diana Stork Without these mentors I would have stopped … (3 comments)
This is a blog about all things real estate (and a few extras). I blog about my buyers, sellers, listings, short sales, the real estate market. I am internet savvy and am trying to learn more skills. I like blogging because I get to share information with other real estate professionals and my clients. I can find you a great home in the Treasure Valley. I was the Democratic Nominee for CD2, Idaho for the US Congress. I have two website: http://www.debbieholmes.net.
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