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ARCHIVED BLOG POSTS
2008
1
Comments
Investors were spoiled and so were agents and loan officers during the peak of the boom. Sure I remember 100% investor financing at 7% - it's gone! When I first entered the business if you did not have at least 20% down and a debt-to-income ratio of 43% or less you were not even getting an invest...
12/30/2008
The most important step is to make sure the IRA holder and no linear relatives benefit in any way from the disbursement of funds or proceeds of the loan. Once that little fact is handled it works fairly simply. The IRA custodian (no, Bank of America will not do this for you nor will Fidelity beca...
12/30/2008
Knowledge is power. Please do not add "or so they say". Kowledge is power. I have noticed a trend over my lifetime among people and their individual approaches to facing and solving challenges. Like it or not we can all be "pigeon holed" into certain personality traits even though we may have var...
12/28/2008
24
Comments
And the county prosecutor is my defender! It makes about as much sense. Do I think a real estate agent can be a loan officer? Sure. Do I think a loan officer can be a real estate agent? Absolutely. Do I think either can be good at both? That depends on the quality of understanding and commitment ...
12/20/2008
6
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BUT! Please don't change historical to hysterical. Before you pick up the phone and start calling around to ask "what's your rate" read this "Is Now A Good Time To Refinance?" and then let's put this into perspective as we have so many times in the past. The Feds Do Not Set Interest Rates. The Fe...
12/16/2008
***WARNING*** Not for the faint of heart. The housing market has imploded and the economy, built on credit only in recent years, has tumbled down on top of it. The elected officials (please never use the word "leaders") have done the equivalent, and please excuse the comparison, of a wife-beater ...
12/14/2008
Mortgage Tip #23 (Counting down to #1) What exactly does "full doc" mean? It is used regularly when talking mortgage speak and we say it just thinking we and the people we know have the same mind picture when we say it. So, when a loan officer says full doc exaclty what are they saying? Full doc ...
12/10/2008
3
Comments
We receive calls every day from people wanting to borrow $20k, $18k, or $27k to purchase an investment property. We simply cannot finance a property that low in price for multiple reasons and one of them is that we must make a certain amount of profit to stay in business. The other is that findin...
12/08/2008
Mortgage Tip #24 (Counting down to #1) The seller purchased the property at auction on the 15th of February. They paid exactly $65,000 for the property. The listing price they chose is $110,000 which is 15% lower than the most recently sold prices in the neighborhood. They listed the property on ...
12/07/2008
11
Comments
What would change? Many years ago my uncle, Benjamin "Ben" Wilkes Hale, asked, "Son, let me ask you something. What would you do today if you had nothing to fear?" I gave him my answer and he replied ... GO DO IT. THERE IS NOTHING TO FEAR. Well, I did. I'm not sure he was right about there being ...
12/05/2008
