hud: TBWS Daily - 3/16/2012 - 03/16/12 09:17 AM
The topics for today center around: HUD changing their guidelines on seller concessions - reducing from 6% to 3% which will make buyers mortgage payments higher; this could impact mortgage defaults.  Banks have only been allowing owners to short sale their homes if they miss payments; this triggers the Strategic Default, putting homeowners in a very negative position; this needs to stop. 
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family’s sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a Great … (0 comments)

hud: TBWS Daily - 9/7/2011 - 09/07/11 01:54 AM
Good Morning…Here is today’s  report from the Think Big Work Small Guys.  Today the boys are having a discussion on HUD giving the state Attorney Generals information on Robo Signers, and some reasons why they may have done this.  They also discuss Loan Officers not giving loan quotes to people looking to finance, and how to deal with this situation.
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family’s sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high … (0 comments)

hud: TBWS Daily - 8/2/2011 - 08/02/11 11:48 PM
Good Morning...Here is today's report from the Think Big Work Small Guys.  A few things going on today, HUD once again going after banks cutting corners and failing to provide required information on loans such as loan amount, insurance, income, and relationship.  New Bill being introduced to take medical bills off credit scores could help potential home buyers.  Financing down 29% from last year and refinance down 42%. 
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys … (0 comments)

hud: TBWS Daily - 7/26/2011 - 07/27/11 01:42 AM
Good Morning…Here is today’s  report from the Think Big Work Small Guys.  Today the boys are asking the question why HUD is singling out certain mortgage brokers who have formed DBA's, and not others like new home builders who steer consumers to their In House Lenders.  They (the boys) also tell you how to become one of their trainers.
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family’s sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a … (1 comments)

hud: TBWS Daily - 7/12/2011 - 07/13/11 02:28 AM
 Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today's discussion centers around an Bill being proposed by a member of the House Financial Services.  This Bill - HR344, would put a 12 month moratorium on Foreclosures- and chase Investors away.  They also discuss a pilot program being put forth by HUD, called the Strong Cities, which would focus federal dollars on devastated cities such as Detroit. It's intentions is to "Kick Start" the most detroyed cities; but how effective would it be?
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee … (0 comments)

hud: TBWS Daily - 7/10/2011 - 07/11/11 01:30 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today's conversation focuses on HUD releasing their new relief program for Unemployed home owners.  This progran extends the missed payments from 4 months to 12 months.  The guys walk you through a scenario of what this extension means to the average home owner.
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a Great … (0 comments)

hud: TBWS Daily 6/20/2011 - You Have To Watch This One - 06/22/11 02:12 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.   Very good commentary today from the boys.  The discussion is over another Government Loan from HUD which, in effect, will give Subprime loans to approximately 30,000 Unemployed home owners in 27 states (and Puerto Rico).  If this isn't Mis-guided I don't know what is; You Have To Watch This.
 This Vedio is a little slow to down load today, please be patient.
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene … (2 comments)

hud: TBWS Daily - 6/6/2011 - 06/07/11 02:01 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today's discussion is on Maternity Discrimination in Lending.  HUD has fined Cornerstone $750,000 for using pregnancy as a determining factor in Loan approvals; HUD is looking at other Lenders.
And, did you hear about the couple in Collier County, Florida who purchase a home and Bank of America foreclosed on it in error.  After BOA refused to reimburse the couple fees accrued, the couple went to court and Foreclosed on BOA.  The Sheriff and Attorney accompanied a van to the bank and seized its computers and other assets; BOA issued a … (2 comments)

hud: TBWS Daily - 6/2/2011 - 06/03/11 01:49 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  This morning's discussion focuses on Ensuring Compliance with the Fair Housing Act; USA 4 Sale Networking, Inc. is paying $15,000 in settlement charges for violating the Fair Housing Act.  They also go over works you can't use and give a brief description of the difference between Direct and Indirect Marketing. 
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are … (0 comments)

hud: TBWS Daily - 5/25/2011 - 05/26/11 06:06 AM
Good Morning....Here is today's market update from the Think Big Work Small Guys.  Today's discussion is about HUD being paid 1.2 million dollars from US Bank.  The settlement was three times larger than what was defaulted on.  Also discussed is the mid-west disasters and insurance companies.
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a Great Day.
(0 comments)

hud: TBWS Daily Report - 4/12/2011 - 04/12/11 01:56 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today the boys are focused on Southern Trust exiting the wholesale lending market, and HUD messing with the Low Income Housing Market. 
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
(1 comments)

hud: TBWS Daily Report - 4/7/2011 - 04/08/11 01:07 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Once you get past the singing and dancing, in the beginning of the video, the boys have some interesting comments on the HUD score card and loan origination fees. 
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
(0 comments)

hud: Dail TBWS Market Report - 3/31/11 - 04/01/11 06:12 AM
 Good Afternoon...Here is today's market update from the Think Big Work Small Guys.  
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a Great Day
(0 comments)

hud: Daily TBWS Market Report - 2/8/11 - 02/07/11 11:04 PM
Good Morning...Here is today's market update from the Think Big Work Small Guys. Today the boys hit several issues:  Fannie and Freddie are going to charge more for loans with Risk Bases Pricing being put into place, making them have a Financial Interest in the terms and conditions of the loan - which is what the Fed Rule is preventing Loan Originators from doing (double standard anyone).  Customers need to have a 740, or higher, credit score and put 25% down or they fall into this category.  Bank Of America not going to do Reverse Mortgages any longer.  HUS says "Worse Case … (1 comments)

hud: Daily TBWS Market Report - 12/29/10 11:45 PM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  A mello reflective day from the boys today.  They recap some of the changes that have happened this year - Independent Appraisers all but got wiped out - Good Faith estimates going from a simple page to confusing multi pages - Mortgage Brokers became the villains of the industry - and National regulations for Mortgage Broker Compensation.  Agents who made it through 2010 have proven they can survive and adapt in a changing environment.  Those that had success don't fear change, they adapt, implement new strategies and become effective. 
Think Big Work Small
Disclaimer:  … (1 comments)

hud: Daily TBWS Market Report - 12/14/10 - 12/14/10 11:14 PM
Good Morning....Here is today's market report from the Think Big Work Small guys.  The boy's are back.  Today they discuss Rates going up and getting your prospects off the fence, Rodian stating Delinquencies dropped 8% - is this really true?  Core Logic stating that National Negative Equity is down about 2% - is this true? and HUD driven about curing Homelessness - is this true?  
Think Big Work Small
Remember, if you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk … (0 comments)

hud: Daily Market Update - TBWS 12/02/10 - 12/02/10 12:56 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys. Today the boys talk about a new government give away program called E.H.L.P., Emergency Homeowners Loan Program.  This program give customers, who are at least 3 months behind (and may be up to 2 yrs. behind) in their mortgage payments, $50 thousand if they want to stay in their homes.  If customers want to Modify or do a Short Sale later they do not have to pay this money back.  They discuss why this bill is not going to work.  
Poll question:  Is EHLP a good idea?
Think Big Work Small
(0 comments)

hud: Daily TBWS Market Report - 11/29/10 - 11/28/10 10:59 PM
Good Morning....Here is today's market report from the Think Big Work Small guys.  Today's discussions include: Lenders Processing Services reporting Foreclosures are at an all time high, People rank Customer Service above Rates and Prices, the NAR wants Loan Modifications changed on a credit report, and HUD ceasing to sell homes in some states.
Poll question:  Should a loan modification reset on a credit report as a new loan? 
Think Big Work Small
Remember, if you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; … (0 comments)

hud: TBWS Daily Market Report - 11/23/10 - 11/23/10 02:08 AM
Good Morning....Here is today's market report from the Think Big Work Small guys.  Today the boys are discussing FHA's Reserves falling below federally mandated standards, FHA is going to have a 6 billion dollar surplus, which goes to HUD, in 2011, and they discuss a comment from an appraiser who feels wholesale lenders are ripping of appraisers.
Poll question:  How good are your presentation skills? 
Think Big Work Small
Remember, if you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk … (0 comments)

 
Lois Davies, Cape Coral & SW Florida (Century 21 Birchwood Realty, Inc.) Rainmaker large

Lois Davies

Cape Coral & SW Florida

Cape Coral, FL

More about me…

Century 21 Birchwood Realty, Inc.

Address: Cape Coral, Fl, 33914

Office: (239) 542-0065

Mobile: (239) 357-5558

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A full time agent serving all of Lee County.


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