Melissa's Blog

I don't believe most Americans are worried about the Olympics. They are worried about jobs, savings, 401k's, investments and real estate. They are concerned about the 2 wars we are fighting, their children fighting for our country.  They are worried about Iran and Isreal, North Korea and oh yeah ...

Everyone should read this post.You have some clients or a client. They've told you they're first time buyers and they are eagerly seeking to take advantage of the up to $8,000 First Time Home Buyer Credit available at present until November 30th 2009. They are looking at homes right and left. You...

Can you imagine how many of our blog posts would be deleted within a matter of minutes? I really enjoy AR and the information I find here.  I also enjoy meeting new people and subscribing to their blogs.  We can say anything we want and agree to disagree. Our business is complex, there are so man...

To my good friends in TX on AR, send me some loans........ I qualify buyers same day, evenings and weekends.  I am not a 9-5 banker. I am a direct lender, we do not farm out the loan to someone else. I'm closing loans in 30 days or less, 45 days for USDA 100% loans. Any questions, just call me an...

What is the true cost of a home warranty versus paying for repairs yourself?  Is it worth it? Here are my numbers.  Home purchased in March 06, warranty paid for 1 year by seller.  I continued the warranty on a monthly basis at $47 for piece of mind.  My home is 16 years old. Year 2, AC broken, c...

I was bucked off a horse on Saturday, concussion, I do not remember half the day, just bits and pieces.  I do not remember driving home from that ranch.  I was shopping for a horse, that I remember.  Even when I got home, I could not understand why my shoulder hurt so bad.  Sunday morning coming ...

I had an appointment with the cable company today.  They said I was not home, did not answer the doorbell and several knocks on my front door.  The cable service person left a card on my door at 9:30am. This was a lie.  I know this because, I was sitting in my bedroom, waiting for the knock and d...

I clicked and the upgrade was done, it is that easy.  Was worried I would have to re-download etc and get super technical. Get your free points from AR, if I can do it, you can do it. You do need to re-upload the existing pic, then you will be prompted to crop the pic if you want to. The new pic ...

I'm the first person to be concerned that I might have done something to cause what I perceive is a cold shoulder. This is not the case, It is not all about me! Our clients have so much going on in their lives that we are not necessarily their focal point. It is VAIN to think it is all about me. ...

Turn the water back on so that our Central California farmers can grow veggies and fruit for all of us to eat.  The water pumps were turned off months ago to protect a 2 inch smelt fish.  There are 30k people out of jobs as a result of the water/irrigation shut off in the San Joaquin Valley.  I'm...