usda: I believe the learning is in the thread...and the BLOG only gets it going! - 08/07/09 08:15 AM
After reading the FEATURED blogs the last couple of weeks or so...I have been disappointed, happy, eager, discouraged, and every other emotion that I can/cannot think of right now!  That said, I truly believe that if you are going to AUTHOR A BLOG, especially a Contraversial one, then you should take the time to appreciate the commentors, and respond within the thread!   THAT IS WHERE THE LEARNING & EDUCATION TRULY HAPPEN!


Now, I am not saying to drink the "purple kool aid" like the Viking Fans are right now thinking Brett Favre is going to … (26 comments)

usda: USDA LOANS in WISCONSIN! This just in from the newsdesk at Rural Development! Staggering numbers!!! - 07/18/09 03:18 PM
Here is a cut & paste of PART of the announcement on the USDA website here in the Dairyland State of Wisconsin!
Please note that the numbers I will list below are "staggering" because last year, in the State of Wisconsin, $257 million dollars worth of USDA loans were done!  As evidenced below, ALREADY, at the halfway point of the year, the USDA has guaranteed $145 million dollars worth of loans!  That works out to SHATTER the record set last year by 33 million dollars!

Let's do the math right quick!
Ths is a whopping...

usda: The dreaded "Home Improvement Show"- Tips to make it work for YOU and your business! - 07/01/09 07:53 AM
Hello! It's Bucky again!  In the past I have done blogs on making a GOLF outing work for you, Open Houses work for you, then another blog on Open Houses, and have even done what I consider inspirational blogs like one on the movie WALL-E.  However, today I have decided to try and help my fellow RAINERS by doing one on the dreaded "Home Improvement Show" and making it work for you!  This was our booth at the Dane County Fair, and is nothing special....but please read on..
First things first, if you are going to effectively work these shows you … (10 comments)

usda: TARP, HARP, CARP & Kissing your Sister! - 06/30/09 02:42 PM

 The Troubled Asset Relief Program (TARP) is a program of the United States government to purchase assets and equity from financial institutions in order to strengthen its financial sector. It is the largest component of the government's measures in 2008 to address the subprime mortgage crisis.
 Did you know that TARP also stands for Tunnel and Reservoir Plan?  The official name of Chicago's Deep Tunnel.  This project  aims to reduce flooding in the metropolitan Chicago area, and to reduce the harmful effects of flushing raw sewage into Lake Michigan.
 Hmmm...sounds like they have alot in common!  One flushes cash, and one flushes … (8 comments)

usda: Hello Police?? This is Bucky...I've just been HIJACKED! Send help!! - 06/26/09 10:23 AM

 I saw this picture and could not resist...sorry...if it is too disturbing for some..please turn away....
Recently, an ugly series of events have been occuring within Active Rain, and other blog sites...and I have heard ALOT of comments about this from agents using Zillow as well.  I have come to know this as "HIJACKING SOMEONES BLOG". 
Many of us here on AR blog to make ourselves feel better, to provide GREAT CONTENT to other people in our profession, to build relationships, to inform consumers, to get FACTUAL information out about recent events or changes in the industry, and some … (93 comments)

usda: Mortgages: SO EASY A CAVEMAN can do them! - 06/17/09 03:41 AM
Apparently, the general consensus amongst many people is that Mortgages are easy to do and that communication solves everything!  Well, today I have decided to give everyone a glimpse into my life in the Mortgage business.  True enough, maybe the actual MORTGAGE is easy, but it is the "hunting & gathering" that is the problem! I realize that many people can already appreciate that things have become more challenging, but I truly want you to know that I AM NOT A CAVEMAN and it is not easy!

 8:08 am, got to office, large coffee.
Turned on computer, checked email, had 38 … (95 comments)

usda: Search & HOLD!!! SEARCH AND HOLD....SEARCH & HOLD! - 06/10/09 07:22 AM

"A Search and Hold provides information of record as to the current property owner, to be used for reference when listing a property."
This product also advises the Realtor and Lender of any potential pitfalls such as an IRS lien, unreleased mortgage, 2nd or 3rd mortgage,lis pends, other names in title, divorce's old & new, as well as trusts etc..etc...etc...etc..! In addition, it shows AMOUNTS OWED....that allows EVERYONE to JUST DO THE MATH!
I REALIZE that Realtors already UNDERSTAND what this is!  so...please dont attack me for being BASIC!HOWEVER, I don't understand why they are not used as often as … (6 comments)

usda: One of our own QUOTED on BLOOMBERG! Congrats to Tom Burris! - 06/05/09 05:09 AM
Well, he is an ACTIVE RAINER, an Evil Mortgage Genius, and a Cowboys Fan, but now he is also a "Guru of Wall st". 

Congrats to TOM BURRIS!  You do not JUST get the GOLD STAR, as I am also bestowing upon you the "BLUE STAR"!
Tom was quoted in this article on Bloomberg.Com by Brian Louis talking about the rising interest rates!
You can access the article by clicking HERE!

Tom said: 
"If people hear that rates are going up, I think they hesitate a little bit," said Tom Burris, a … (19 comments)

usda: 100% & The Basic Steps on getting approved for a Guaranteed USDA loan!....A great loan for Wisconsin! - 05/26/09 02:38 PM
No doubt, USDA loans are a great product!  Jason Sardi has blogged about them, I have blogged about them, and many others as well!  However, what you MAY NOT KNOW, is the BASIC steps involved when getting approved that will save consumers, Realtors, and even OTHER LENDERS who dont understand this process very well...ALOT of time!

1.  Take a COMPLETE application.
2.  Pull your OWN credit!
3.  IF credit score is above 620 you are golden!
(what that means is express documentation, Ill explain that further later)
4.  Fill out the Express Rural Development Approval Form
5.  Gather as … (22 comments)

usda: Do you have a Tiger in your Tank?? - 05/26/09 02:25 AM
They say a picture speaks a 1000 words, but seriously, how do your words paint the picture?

Since being on Active Rain, and commenting on MANY people's blogs, it has become increasingly disturbing to me the trend I am noticing!  That trend is the KNOW IT ALL vs. THE DEFENSIVE MECHANISM trend! 
 It has always been my understanding that blogging served several purposes, but none of them were related to the ongoing BATTLE I am seeing both on AR and other networks!
How did we reverse this trend you ask? Well, maybe we need to "tame" the Tiger … (25 comments)

usda: The "FANTASTIC FOUR" reasons to Refinance your WELLS FARGO MORTGAGE! PAY ATTENTION! - 05/24/09 06:23 AM

The loan program is a HARP Freddie Mac to Freddie Mac Refi!        
Countrywide/Bank of America, currently does NOT do these!!!!!!!
I will list the features below, but PLEASE I BEG YOU!!!! JUMP ON THIS ONE!!!


usda: Screw the Mortgage Biz...I'm going to Mascot School! - 05/22/09 11:16 AM
Okay, sometimes we use Active Rain to vent!  Today, I am declaring, change of occupation day!
Click here to know more about actual Mascot School!
Let's see..hmmm...which Mascot would I like to be...?? Hmmm???


I would like to be the NATIONS #1 most familiar Mascot, but alas, you have to be a student at UW to be him...damn

He is cool tho!        Yeah Bucky!!!!!!!!



usda: Insurance agents, PLEASE get with the program!!!! - 05/21/09 12:48 PM
Often times, what inspires myself and clearly many others to post a BLOG is either an everyday occurrence, or in some cases an argument!  Today, that is what happened to me....a stubborn, stupid, argument, and of all people it was with an Insurance Agent!


Now, just to preface this blog...My father was an insurance agent for 30 years, and I grew up around it my whole life!  Many times, I even tell the story about how when the roof blew off the YMCA, my brother & I, even at a young age....helped … (11 comments)

usda: FREECREDITREPORT.COM...can you hear the MUSIC???? Think "My SHARONA"! - 05/06/09 02:55 PM
The following was one of the 1st blogs I have ever done!  I changed it up quite a bit, but left the content approximately the same!  Now that I have been in "the RAIN" for a while, I thought it was DEFINITELY worth re-doing and re-stating!  Plus, I added pictures!  :)
***NOTE*** I am looking for EVERYONE to comment, so please do not be shy!  That means you credit scoring & repair companies!  HOWEVER, we are looking for ADVICE not sales pitches!
Well, so far, I have been to over 18 hours worth of "credit repair" training, as … (44 comments)

usda: Mortgage Broker vs Mortgage Banker Vs Bank. "What you talking bout Willis?" - 05/05/09 08:48 AM
Recently, I have been noticing a LARGE number of blogs on AR and other sites, talking about TOPICS in the Mortgage Business, and it is clear to me that the general public, as well as Professionals within our industry, are not noticing the differences of perspective that these blogs are coming from!  Soooo....I am going to TRY and simplfy it for everyone!  I by the way, have been all three of them!


 Mortgage Broker
The "matchmaker" between a homebuyer and/or person refinancing their home, and a lender with the goal of originating a mortgage loan. The Broker draws … (2 comments)

usda: MY FIRST 6 MONTHS WITH AR! Remember, "Rock em Sock em Robots?" - 05/02/09 03:22 PM
Well, after my first 6 months witih Active Rain, I thought I might share my questions, comments, observations, suggestions, problems, antics, and issues that I have encountered in a very short period of time!

So far, my overall impression of ACTIVE RAIN, is that it is a "combination" of 145,000 people all playing "rock em sock em robots".  It is BLUE (ego) vs. Red (actual working knowledge).  The Mortgage / Realestate Industry has a way of "pitting" people against each other!  Good or bad, we have to work smarter not harder, and ALWAYS be open to suggestion and be willing to … (15 comments)

usda: Garage Sales! A great place to get a deal on a loan too! - 04/28/09 01:23 PM
Today, I couldnt help myself!   In my hometown, we are having an area wide garage sale!  Arghhhh...traffic everywhere, and people looking for bargains..and not watching the road...blah blah blah!~ I ride my Mountain Bike to work everyday, as I only live 1 mile from the was especially disturbing to me that a used couch and it's price were more important than my health...but, that is another blog for another day! 

Well, every day on my way to work, I go by the SAME 3 houses that are listed for sale and notice that they all have the SAME 3 things … (6 comments)

usda: Everything the NY Times Prints & Says is 100% TRUE!! Bueller? Bueller? Bueller? - 04/05/09 12:26 PM

I read a featured blog yesterday that quoted a NY Times article as it's basis for it's premise and BOY has it created controversy!
I WONDER WHY????? #$%%*$#&$%^&%%^*%^&*%&* amazes me that the blogs that get read the most, are the most contraversial, and mostly not factual! 
George W Bush is to blame for Global warming, Al Gore invented the internet, and Barack Obama doesnt know who Rod Blagojevich is? Huh?

The liberal news media is NOT ALWAYS CORRECT, and more importantly, they leave the MOST IMPORTANT FACTS out of their stories!  Wake up people!  Do you honestly think … (2 comments)

usda: Holding Fellow Lenders to a higher standard! Misinformation is the leading candidate for confusion! - 02/06/09 03:36 AM
Today, I am furious!  
Why you ask??  Well, let me tell you EXACTLY WHY!!   
The hear no evil, see no evil, speak no evil, moronic monkeyman posts I have been reading lately are ticking me off!  Why??  Because I spend all day responding to comments, posting and reposting the correct information, and more importantly trying to "RAISE THE BAR" within our industry! For YEARS, we lenders have blamed REALTORS, the liberal news media and others for our OWN mistakes!  NOW, today, I completely understand why!  My friends and I that are in a small group here … (16 comments)

usda: Top 10 Suggestions TO LENDERS to smoothen deals with Realtors! See my other blog for Realtor Suggestions! Even with 12 inches of snow today, appraisers found the igloos to appraise! - 12/19/08 10:03 AM
For purposes of clarification:   
              OTP= Offer to Purchase           GFE= Good Faith Estimate      CHATTEL=Personal Property           MLS= Multiple Listing Service       BOA=Board  of Realtors BNI=Business Networking International
Hello everyone!  My blog earlier this week was top 10 suggestions to Realtors, so I thought I would go the other direction and give my fellow originators some suggestions also when working with Realtors! goes! :)1.  The minute you get an OTP,notate in the file, in the sky, on your palm, on the wall in your office, or anywhere for pete sake, exactly the day that the LOAN commitment is due! 
Logic:  Realtors cannot stand having to remind … (3 comments)


Darin Osenberg

Nashville, TN

More about me…

Funky Quail Vintage

Address:, Nashville, Tn, 37211

Blogging important and factual information, enabling the general public and Realestate professionals lto stay informed on market happenings!



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