Joe GonzalezBranch Manager1st Metropolitan MortgagePhone: 610-351-7510Fax: 610-351-7810jgonzalez@1stmetro.nethttp://www.1stmetropolitan.net/ Write-offs are the government's way of rewarding taxpayers when they've done something the government likes. And to judge by the write-offs, the government...

03/31/2008

Mortgage Creative Writing Challenge: I can get anyone approved! 100% financing stated w/600 score

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Mortgage Broker's Office June of 2005: So you say that you want to buy a house & you have no money to work with?NO PROBLEM!! We have stated income loans up to 100% financing with a 6% seller assist!You are recently self employed? NO PROBLEM!! As long as you have more than 2 years on the job, we C...

03/28/2008

PA & NJ FHA shouldn't be that hard

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FHA shouldn't be that hard - talk to us on your turned down loans (edit/delete) I've have been running into quite a few realtors lately that have been telling me that they are having problems with their FHA & Conforming loans getting turned down by the banks or that they have been taking an extre...

03/26/2008

ARM Indexes: A 10 year Comparison

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Joe GonzalezBranch Manager1st Metropolitan MortgagePhone: 610-351-7510Fax: 610-351-7810jgonzalez@1stmetro.nethttp://www.1stmetropolitan.net/ARM Indexes: A 10-Year Comparison The roller coaster ride of the market. As you can see, we are on a decline toward rates of a few years back. For those c...

03/25/2008

To Sleep, Perchance to Dream - Tips for Better Sleeping Habits!

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Joe GonzalezBranch Manager1st Metropolitan MortgagePhone: 610-351-7510Fax: 610-351-7810jgonzalez@1stmetro.nethttp://www.1stmetropolitan.net/ Sleep disorders are becoming more and more common in America. Research suggests that some 100 million Americans currently suffer from some form of insomnia...

03/25/2008

The Art of Database Management Part III: Reporting and Managing Information

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Joe GonzalezBranch Manager1st Metropolitan MortgagePhone: 610-351-7510Fax: 610-351-7810jgonzalez@1stmetro.nethttp://www.1stmetropolitan.net/ The second part of Bill Gates' famous quote from Business at the Speed of Thought* deals with the subject of reporting and managing the information you've ...

03/24/2008

The Art of Database Management - Part II: Gathering Information

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Joe GonzalezBranch Manager1st Metropolitan MortgagePhone: 610-351-7510Fax: 610-351-7810jgonzalez@1stmetro.nethttp://www.1stmetropolitan.net/ Most of us are sales people when you get right down to it. Our job is to sell our services - and ourselves - as we strive to add more clients to our existi...

03/24/2008

Ask for Referrals - And Get the Answer You Want!!

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Joe GonzalezBranch Manager1st Metropolitan MortgagePhone: 610-351-7510Fax: 610-351-7810jgonzalez@1stmetro.nethttp://www.1stmetropolitan.net/ Too often, people are frightened of asking for referrals. Is it the fear of rejection, or are they concerned about annoying their prized clients? If you're...

03/24/2008

Credit Scoring - Part II: The Five Factors of Credit Scoring

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Joe GonzalezBranch Manager1st Metropolitan MortgagePhone: 610-351-7510Fax: 610-351-7810jgonzalez@1stmetro.nethttp://www.1stmetropolitan.net/ Credit ScoringPart II: The Five Factors of Credit ScoringThere are five factors that comprise the credit score. They are listed below in order of importanc...

03/24/2008

The Art of Database Management - Part I - Working Smarter!!

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Joe GonzalezBranch Manager1st Metropolitan MortgagePhone: 610-351-7510Fax: 610-351-7810jgonzalez@1stmetro.nethttp://www.1stmetropolitan.net/ The relationship you develop with your customers, combined with the personal information you are constantly collecting, can be a goldmine for future busine...

03/24/2008