california: National Motor Vehicle License Bureau web site - offering a free searchable database of over 121 million U.S. driver's license photos and license information.
- 01/28/08 01:55 AM
You better check this out and make sure you are removed from this! National Motor Vehicle License Bureau web site - offering a free searchable database of over 121 million U.S. driver's license photos and license information. Under the Motor Vehicle Operator License Identification Act (MOLIA - enacted on July 9, 2007), all US states are required to digitally store a copy of every valid driver's license. License data must be made retrievable by The National Motor Vehicle License Bureau in order to form a consolidated and centralized database of U.S. driver's licenses. On August 3rd, 2005 Congress enacted an amendment to … (3 comments)
california: This was sent to me in a e-mail about a week ago and I just read it, It's a boycott against Countrywide....Is this true?
- 10/20/07 07:33 AM
This was sent to me about a week ago and I just opened ity now because it was from another broker and was just marked boycott against Countrywide Home Loans please read and pass along. Does anyone have any information on this? Is this true? FOR IMMEDIATE RELEASE: Press Release - October 11, 2007 Reporters May Contact:Darren Duarte, Director of Public AffairsWork: 617-250-6222 cell: 617-501-0721, dduarte@naca.com Bruce Marks, NACA CEOWork: 617-250-6222; cell: 617-835-4477, email: bmarks@naca.com BOYCOTT OF COUNTRYWIDE - ANNOUNCEMENT AND FIRST ACTIONS (Jamaica Plain, MA) - On Thursday October 11th at 12:00 p.m. at NACA's headquarters (3593 Washington Street, J.P, MA), … (4 comments)
california: Warning E-mail received about dialing 90#
- 10/06/07 08:54 AM
Here is a email a received yesterday and wonder if anyone knows this to be true? I received a telephone call last evening from an individual identifying himself as an AT&T Service Technician (could also be Telus) who was conducting a test on the telephone lines. He stated that to complete the test I should touch nine(9), zero(0), the pound sign (#), and then hang up. Luckily, I was suspicious and refused. Upon contacting the telephone company, I was informed that by pushing 90#, you give the requesting individual full access to your telephone line, which enables them to place … (3 comments)
california: As some of you may know, the recent tragedy in Cheshire, CT, - Please take a minute to read.
- 08/05/07 01:12 AM
Dear friends, colleagues, and clients:As some of you may know, the recent tragedy in Cheshire, CT,. The home invasion and killing of 2 young girls and their mother and the beating of of the Father. http://www.wtnh.com/global/story.asp?s=6866909 In remembrance of the Petit family and in support of the sole survivor, Dr. Petit, please help petition for the "3 strikes and you're out" law in Connecticut. Read and sign the petition, then, PLEASE, forward this to everyone in your address book.http://www.gopetition.com/petitions/ct-needs-a-3-strikes-law.htmlThank you. Leo Namiot Benchmark Mortgage … (2 comments)
california: Time Management A Problem?
- 07/18/07 01:20 AM
One of my biggest faults is time management I get so consumed in my daily work and distractions that I often find myself looking up at the clock and it's 4pm and I had not done 50% of what I set out to do at 8am. A couple of weeks ago at a company gathering we talked about what our biggest daily issues were and I explained my problem with time management. One of the guests at the meeting offered to send me a copy of a book by Todd Duncan called " Time Traps", I received the book last week … (3 comments)
california: Let's Talk Bonds.....
- 06/22/07 02:57 PM
Let's talk Bonds..... I am not talking investments. With my team starting a weekend series in SF I have been reading and seeing more about the Hank Aaron's All Time Home Run Record about to be broken by Bonds. What is your take on Barry Bonds about to break Hank Aaron's Home Run Record? Bonds testified that he had received and used clear and cream substances from his personal strength trainer, Greg Anderson, during the 2003 baseball season but was told they were the nutritional supplement flaxseed oil and a rubbing balm for arthritis, according to a transcript of his testimony. Do you think … (12 comments)
california: Reliable Pre-Approvals, Key in this market more than in the past
- 04/11/07 09:23 AM
If you are out showing homes and running around with prospects now more than ever having a reliable Pre-Approval is very very important. With all the sub prime troubles and lenders folding like cheap tents you owe it to yourself and the home sellers to work with a lender who will be able to close the deal both in sub prime and prime transactions. Choosing a solid lender is your customers first step! Pre-Qualification vs Pre-Approval Pre-ApprovalWhen you work with a customer who has been Pre-Approved you are getting a Solid Buyer, they have provided enough documentation to get an APPROVAL from the lender … (2 comments)
I wish everyone a happy day and a successful 2007 spring and summer market. The 2007 spring/summer market will bring some challenges but overall I think if you have the right partners and team it could be one of the best spring/summer markets. So far 2007 has been the best start to spring for me since the refi boom a few years ago and I feel it will get even better, stay positive and sell, sell, sell those homes. Have a great day!
california: Happy 2007
- 02/07/07 11:13 AM
Hello everyone, just wanted to say happy 2007. I have been very busy since mid december and have very little to to come and play here. I hope everyone is having a great start to 2007 as well. I will say the market has changed in a big way, lots of First Time Home Buyers and Sub Prime Deals and let's not forget the fun "Tire Kickers" who are wasting my time as well as my RE partners.... All in all things are off to a great 2007!
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california: Business Networking Groups, good or bad ?
- 12/05/06 07:39 AM
I was invited to a business networking group meeting to se if I would be interested in joining. The gruop meets once a week in the morning about 7:30 am for breakfast to exchange business leads and take bout different business idea's. The thing with the group is there is only one say Mortgage Person or one Realtor or one Computer person allowed in the group Does anyone here belong to this type of group? If so do you think it works for our type of business?
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california: 30-Year Rate Hits 10-Month Low
- 12/04/06 01:56 PM
The average 15-year fixed mortgage rate fell from 5.91% to 5.87%, the average rate for five-year Treasury-indexed hybrid adjustable-rate mortgages declined from 5.99% to 5.95%, and the average rate for one-year Treasury-indexed ARMs decreased from 5.49% to 5.46%, Freddie Mac reported. Fees and points averaged 0.4 of a point for fixed-rate mortgages and 0.5 of a point for ARMs. A year ago, the average 30-year and 15-year fixed rates were 6.26% and 5.81%, respectively, and the average hybrid and one-year ARM rates were 5.76% and 5.16%, respectively. … (7 comments)
california: Interest Only Loans Pros and Cons
- 12/04/06 08:05 AM
An interest only lona means you pay only the interest portion of your mortgage for a fixed term. Usually in 5 to15 years (depending on the initial interest only term set up when you set up your mortgage) you will need to start making principle and interest payments, refinance or pay off the loan in a lump sum. Those who are regular wage earners who take out a moderately sized home loan and don't have a reliable investment stratergy aren't the best canidates for these loans. However, if your income consists mostly of infrequent commissions or bonuses, you expect to increase your income significantly in the next … (0 comments)
california: Tax Seaons Is Just Around The Corner
- 12/02/06 11:44 AM
Well it's almost that time of year again and for those of us in the mortgage business it's a great time to reach out to those customers who closed mortgages with us in 2006. One of the many things I do to stay in front of my customers and help to provide outstanding service is mail out a copy of their HUD along with a quick note: " I have enclosed a copy of your final HUD settlement from your home purchase, you will be needing this for your taxes" . I Hope all is well, best wishes for health, wealth and happiness to … (4 comments)
california: Are you feeling the holiday house buying rush too?
- 11/30/06 02:24 PM
I just came home from the BrookField Chamber After Hours Gathering and talking with some Real Estate Agents and other Mortgage Professionals I am happy to report that the market seems to be gaining some spped here the last few weeks heading into December..... Last year at this time I was very busy with borrowers buying houses and it was like that for 3-4 months of steady closings about double my normal business. I has 2 closings this week and one Friday at 5pm so a nice week for me with purchase business. But the thing is over the past 10 days … (3 comments)
california: Holiday Cheer! Hot Buttered Rum Recipe
- 11/30/06 03:25 AM
Ingredients:1 cup Butter1 cup Brown sugar1/2 cup Sifted fruit sugar1 teaspoon Ground nutmeg1 teaspoon Ground cinnamon2 cups Vanilla ice cream, softenedRumBoiling water Directions: In a small mixing bowl, beat together butter, both sugars and spices until well combined. Beat in the ice cream. Turn into a 4 cup freezer container. Seal and freeze. To serve, spoon about 1/3 cup mix into a mug, add one jigger of rum and 1/2 cup boiling water. Stir well. This recipe for Creamy Hot Buttered Rum Mix serves/makes 4 cups mix … (1 comments)
california: Real estate: Babes in bear land
- 11/30/06 03:18 AM
Real estate: Babes in bear land Most Realtors haven't been in the business long enough to see anything but a boom market, and the current slump is new to all but a handful of industry veterans. I found this article very interesting and thought I would share it with everyone. http://money.cnn.com/2006/11/07/real_estate/brokers_experience/index.htm?postversion=2006110716 … (2 comments)
california: Some Good News Finally?
- 11/29/06 11:03 AM
Former Federal Reserve Chairman Alan Greenspan said on Tuesday that the worst of the housing adjustment was over, and that he was preparing to publish an analysis of the "serious dispute" over the true effect of mortgage wealth on consumer spending. Reports on the sales of existing homes for October were released on November 28 by the NAR. Sales were up one-half percent to a seasonally adjusted annual rate of 6.24 million units compared to the upwardly revised figure of 6.21 million in September but were off dramatically - 11.5 percent - from the 7.05 million-unit annualized pace in October 2005. NAR, in … (2 comments)
california: Are you a Mortgage Consultant or a Sales Person?
- 11/28/06 03:07 AM
More and more I find people in the mortgage business work as a sales person and not a consultant. To me my job is to consult people and advise them of their best mortgage options. Those who are taking the sales approach seem to not to be concerned with their customers overall best mortgage option but rather the LO's best commission. There are way too many people in this profession who are not at all professional. They have one thing on their mind and it's $$$, they are more concerned with making the most money possible on a deal rather than making their … (4 comments)
california: Sellers Buy Down The Rate To Help Sell The Home
- 11/27/06 04:56 PM
There was a post by John Klassen in regards to buying down the rate which explained the pros and con's of buying down an interest rate, his blog was talking about paying points to reduce the interest rate over the life of the loan. In this market many sellers are looking for an edge over the competition. A great way to help sell your listed homes is to get the sellers to offer a Temp. Buy Down in rate. Here's how it works: There are several types of these Temp. Buy Downs so let's look at one example: House Listed @ $300K, the interest … (3 comments)
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