John Caylor's Blog

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Mortgage and Lending - Infinity Financial Group

ARCHIVED BLOG POSTS

2007 

Very few of us have the luxury of being the only professional in our marketplace offering our particular service. Competition is constantly at our heels, hoping to catapult one step ahead of us. For this reason, we must continually strive to differentiate ourselves from any competition we may hav...
04/17/2007
Annual Percentage Rate (APR) is a tool that consumers can use as a starting point to compare loan programs. However, it's important to keep in mind that APR is not a perfect system, and not all lenders calculate APR in the same way. While the Federal Truth-in-Lending Act does require any mortgage...
04/17/2007
Everyone has heard the expression, "It's not what you know but who you know." Of course this isn't entirely true, but having a successful referral network can lead to a significant increase in satisfied clients with minimal effort on your part. Have you ever gone into a large home improvement sto...
04/17/2007
Every day in Africa a gazelle wakes up. It knows that it must run faster than the fastest lion, or it will be killed. Every morning a lion wakes up. It knows that it must outrun the slowest gazelle, or it will starve to death. It doesn't matter whether you are a lion or a gazelle. When the sun co...
04/17/2007
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Winners vs LosersA winner is always part of the answer. A loser is always part of the problem. A winner always has a plan. A loser always has an excuse.A winner says: "Let me do it for you."A loser says: "That is not my job."A winner sees an answer for any problem. A loser sees a problem for any ...
04/16/2007
Buying a home vs. renting is a big decision that takes careful consideration, as most mortgage planners 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 ...
04/11/2007
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 e...
04/05/2007
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 s...
04/03/2007
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?...
04/03/2007
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 ...
04/01/2007
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JohnCaylor

Post Falls, ID Mortgages
smartphone(208) 215-5207
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