wisconsin: Sir Spamalot, Active Rain, The Mortgage Crisis, Food for the hungry and Reporting Concerns! - 08/12/09 02:29 AM
Okay, we know Jeremy Blanton and other hardworking RAINER staff members are WORKING on this horrible SPAM ISSUE, but now it is starting to get ridiculous!  I am expecting Zombies to come busting in any moment looking to eat my brain & get a loan modification!  Clearly they have a great hardship and just need a little help with their LOX!

Before you read on....please watch the following training video...
And now for something completely different......

First, the Bad news....

I received this today!
"Hi everyone. Cheerfulness, it would appear, is a matter which depends … (21 comments)

wisconsin: 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)

wisconsin: Why being in a "Bull in a China Shop" no longer works today! - 08/04/09 02:45 PM
Okay, today the preverbial "Straw that broke the camels back" hit me...so here is why, and my advice to the "Ruling Class" out there!  Folks- Forcing things, threatening, having your Manager call, or just plain being a Bull in a China Shop no longer works today!  All it does it create more problems, animosity, and stress!  It gets WORSE when this is passed on to the customer! 
I have some absolutely CLASSIC qoutes coming in here...but will try NOT to be VERBOSE! 
 ( call or email Jason Sardi for a definition of verbose LOL )

I got this comment today … (61 comments)

wisconsin: Susie the Duck Days in Lodi Wisconsin! .... "Duck into Lodi" - 08/03/09 11:55 AM
Home of Susie the Duck, the cozy little bedroom town of Lodi Wisconsin is located just north of Madison, Wisconsin. Lake Wisconsin to Gibralter Rock, the natural landscape surrounding Lodi affords beautiful views to the hiker or biker. (of any type)  Right across the Lake is Devils Head Ski & Golf Resort, which also offers awesome mountain bike trails, fantastic Golf, and great lodging.  Lodi Wisconsin is known the world over for being "Home of Susie the Duck".   Hence, this weekend, we are hosting "Susie the Duck days", with the theme of "DUCK INTO LODI."

There is a great little parade starting at 12 noon … (6 comments)

wisconsin: Return of Bloggie! - Is it Hamsters or Squirrels running the servers at Active Rain? - 07/21/09 09:16 AM
A while ago, I did a blog on the new mascot for Active Rain, and I officially named him BLOGGIE!  Well, Bloggie met with mixed emotions....so, I gave some thought to quitting the Mortgage Business and going to Mascot School myself, and...as of now, STILL have not decided on that career path yet!  Read to the end of the blog for the ACTUAL new Mascot of Active Rain! (not approved by anyone at AR btw!)LOL Please note:   CLICK on any pictures below if you have speakers and need a laugh!

Here's Bloggie!
Wanda Kubat-Nerdin thought he was cute!
Cindy Jones thought squirrels, not … (28 comments)

wisconsin: USDA Critical UPDATE and MEMO breakdown on the USDA Guaranteed Rural Housing loan program. REDUX!!! Please review & save! - 07/16/09 11:30 AM
  This is a very CRITICAL UPDATE and anyone using the USDA loan, or if you KNOW of someone using USDA loans, please pass this blog link along, or RE-BLOG it to your sphere!!
I have included at the bottom of the BLOG, the entire list of loan coordinators within the United States of America!  Email first if you can! 

   Also, check out the music video at the end as well!
The reason for this update is because the USDA is experiencing it's highest volume since the inception of the program! 
REDUX COMMENT:  Jeff Belonger brought up an issue in … (53 comments)

wisconsin: Signs, Signs, everywhere there's signs..blocked out by the scenery, and wasting my time...(sounds kinda like TESLA)..REDUX - 07/13/09 05:26 AM
I thought about my blog long and hard since last week...I originally published it with the statement listed below, but for some, that wasnt good enough...Sooo...contrary to my thinking, I decided to pull it, or take it down.  This was VERY discouraging to me, because in the end all I was trying to do was help.  I have/had more faith in the quality of the Realtors on Active Rain than in general because everyone on here seems to WANT to learn more!~  I am even LEAVING some the comments so everyone can read the intial ones left, as I have never been … (58 comments)

wisconsin: 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)

wisconsin: 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)

wisconsin: 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)

wisconsin: 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)

wisconsin: GOLF OUTINGS! Tips & Ideas to MAKE THEM ACTUALLY WORK!! - 05/30/09 03:04 PM
This looks nice huh??  I have worked over 22 different golf outings in the last 11 years, and here is my SHORT LIST of suggestions to make them WORK FOR YOU and/or your business!  One question before we begin though....Do you have business cards on you right now??

1.  GET assigned a PAR 3 hole if possible!  (more on that later)
2.  Give away an item for closest WOMAN to the PIN!  SPA treatment or day,massage, etc..etc  Here's the rub, many  GOLF OUTINGS are designed as "play times" for THE GUYS!  Women are ignored quite often at these events and dont … (71 comments)

wisconsin: A Development in Rural Development! USDA UPDATE!! Information IS EDUCATION! - 05/28/09 11:56 AM
Well, today I emailed my Account REP at JP Morgan Chase, to let him know that we are STILL ALIVE & WELL!   I asked him if there have been any changes I need to be aware of, or pitfalls..etc...regarding USDA LOANS, and the "as improved" product, ...and this was his response!   (see below)
My most EXCELLENT Partners!

"The biggest change on Chase's end is that we now pull a tri merge credit report and use that for the underwriting of the loan."
"You may want to begin using Equifax for your credit reports on GRH loans … (4 comments)

wisconsin: 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)

wisconsin: 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!!!


wisconsin: USDA loans can be used to buy "fixer uppers"...Here are the best tips I know! - 05/22/09 05:50 AM
Hello everyone!  Everyone on AR,and in the Realestate Market...I am sure KNOWS that USDA loans (where applicable) are arguably the BEST PRODUCT OUT THERE!!!  However, did you know that you can purchase a home that needs some LOVE and FINANCE the improvements?  All with NO MORTGAGE INSURANCE AND AT 100% of the purchase price or value?
Now, let's be realistic...your listing, or the house you want to buy...cannot look like this!
 HOWEVER, A USDA "subject to" appraisal can be done on a home that needs a little less love!!!
Now, what is a "Subject to" appraisal you ask?
It is an appraisal done on a home, SUBJECT … (83 comments)

wisconsin: 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)

wisconsin: DIARY of a BAD Pre-Approval Letter,Prequal,Loan Comittment..Which is it? What items do you disagree with? - 05/07/09 03:36 AM
This is EXACTLY what will happen to your deal when you provide a PRE-APPROVAL LETTER, PRE-QUAL LETTER, or whatever this letter is, to a seller!!!!!!  KABOOOOOOOOOOOMMMMMMMMMMM!
There will be a TEST after this, so this will be FUN!  KEEP READING!!!!!

All I know, is if OUR Company provided a letter like this to a REALTOR in WISCONSIN, they would blast me!
I am going to provide everyone with the actual working text and format of the pre-approval letter my friend received a week ago from HER realtor on a potential BUYER of her home in Georgia!  I will let everyone … (14 comments)

wisconsin: 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)

wisconsin: 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)


Darin Osenberg

Nashville, TN

More about me…

Funky Quail Vintage

Address: krovy@aol.com, Nashville, Tn, 37211

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



RSS 2.0 Feed for this blog