activerain: Yes folks, the force awakens
- 12/17/15 05:33 AM
The Federal Reserve Bank raised the interest rates this week. Not that the Federal Reserve actually controls interest rates on mortgages and refinances directly but their actions bring about an expected response from lenders. After nine years of zero percent rates, yes folks, the force awakens. Now I don't intend to infringe upon or take any of the glory away from a certain movie that is opening today. I also don't expect people to be camped out in my parking lot waiting to get in the door ahead of everyone else. At the same time, we must acknowledge that this … (2 comments)
activerain: URGENT MESSAGE: you could be subject to civil and criminal penalties !
- 12/14/15 07:26 AM
As a service to ALL of my ActiveRain friends and colleagues, I am putting out a blog informing everyone of this new government rule. However, it doesn't just pertain to ActiveRain users but to everyone. As Christmas approaches, this new rule may apply to many people that weren't affected previously. The rule comes down from the Federal Aviation Administration (FAA) and involves drones. I'm not referring to the weapons of war but rather the hobbyist's toy or the Realtor's tool. The new rule applies to all drones weighing under 55 pounds which would include most of these. Do you … (11 comments)
activerain: Results don't lie !
- 12/13/15 05:53 PM
It's been over two months and I'm still hearing agents complaining about the problems caused by TRID. I find it interesting that even with the time available to prepare for it and learn about it, many still haven't. Now that it has been in the marketplace for a while, it is no longer a secret. The bad part is these same agents are still taking their clients through the same lenders. What is it Einstein said, something about "Doing the same thing over and over and expecting a different result". I think he referred to it as "crazy". … (5 comments)
activerain: Vinegar and sugar, which one are you and which one are they ?
- 12/13/15 01:35 AM
In the course of business, we run into all types of problems and personalities. Occasionally, something will go wrong during the process involved in buying a house but it is how you handle the problems that makes the difference. Some folks are sweet as sugar, some are not. First of all, I try to look at problems in a positive way and concentrate on the solution rather than harping on the situation. I first identify what is perceived to be a malfunction in getting the deal done. Next, I look at what it will take to get the deal … (5 comments)
activerain: Endicott, Virginia; I'm Your LOCAL Mortgage Loan Originator
- 12/12/15 03:16 AM
If you live, work or play in Endicott, Virginia; you are in MY area and I want to introduce myself to you. My name is Deanna Early and I am the Mortgage Loan Originator for American National Bank and Trust. I know you exist and I want you to know me and how I can be of assistance to you. Just because you are down there in the southwestern part of Franklin County, Virginia doesn't mean you have escaped my attention. As many summers as I spent on Philpott Lake with my family, I know where Endicott, Virginia is. … (2 comments)
activerain: The best Loan Officer? How to decide.
- 12/12/15 12:53 AM
This is the first post of another blogger that I have ever posted on my blog. Joseph Metzler is a Mortgage Loan Officer in the states of Minnesota, Wisconsin and South Dakota. What he has laid out in his post also applies to borrowers here in the state of Virginia and across the nation too. I am offering this post to my readers and asking that anyone in Virginia that needs a home mortgage loan or is considering refinancing contact me to discuss this further and answer any questions you may have. Thank you.
*****
Deanna Early is the # 1 ranked … (6 comments)
activerain: Don't Be Fooled, Find Out; Where Are They Really Located ?
- 12/11/15 10:43 PM
As I often do, I went online and did a search for "Mortgages in Franklin County, Virginia". After all, it's always good to know who else is out there and what products they offer. I would say I was checking out the "competition" but I like to think I'm the best at what I do. I have no other competition but myself and the expectations I try to live up to in my life. Anyway, there was the usual list of banks and finance companies. A number of them are not even in business anymore. Some of … (4 comments)
activerain: DEANNA EARLY has achieved # 1 status in Franklin County, Virginia !
- 12/10/15 04:11 PM
Oh my gosh, you'll never guess what I just realized. I have been so busy being so busy that it just flew right by me and for a time, I missed it. Then when I went to the home page, there it was . . . . # 1. I had to sit and look at it and take it in for a moment before yelling out, . . . Yeeeee haaaaaaa ! Please do not take it that I am a show off or want a bunch of recognition. Quite to the contrary, I am just tickled … (6 comments)
activerain: Uneducated and Vulnerable
- 12/10/15 03:41 PM
This is not an insulting blog about people that didn't finish school. It is a realization that none of us are an EXPERT at everything. Yes, we've called people a "know-it-all" or had that term pointed at us but it just ain't so. Here's the deal. Some people actually understand sophisticated calculations but are stymied when they try to decipher a mortgage. People with college degrees and doctorates look at me with that "deer in the headlights" look when I put a mortgage package in front of them. Don't be intimidated folks. Mortgage loans ARE NOT EASY to figure … (5 comments)
activerain: The "NEW" three most powerful words in real estate
- 12/08/15 05:14 PM
For people in real estate, the profession has long recognized the phrase "Location, Location, Location" as the three words that describe the industry. You were always looking for the right school district, the right tax district, close to shopping or close to work. The location of the house was critical. Having been in the industry as a lender for over 30 years, I have seen a lot of changes but that phrase has remained applicable for a long time. In the days of not too long ago, potential buyers would feel well served by someone who kept them focused on … (44 comments)
activerain: My phone blew up today and it's your fault, ActiveRain
- 12/08/15 04:07 AM
I had a tough day yesterday. I had a deal that took a U-turn and I spent most of the day trying to restructure and rescue it. I was also a little under the weather and my thumb is still hurting (previous blog). I came home last night and crashed hoping today would be a better day. Even before my alarm clock went off, my phone did. Not just once but over, and over, and over. After a while, I couldn't ignore it anymore, I had awakened the sleeping giant. It appears the term "early risers" … (24 comments)
The Federal Reserve Bank raised the interest rates this week. Not that the Federal Reserve actually controls interest rates on mortgages and refinances directly but their actions bring about an expected response from lenders. After nine years of zero percent rates, yes folks, the force awakens.
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