Rick C'a Words of Wisdom

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Mortgage and Lending - Union Home Mortgage Company - NMLS 296403 OH 027386.000
Many of us are still out there running around trying to figure out how best to market to buyers and sellers, as print media is failing the grade where it once set the standard for advertising and marketing. More and more we see that prospects are shopping the Internet for information about proper...
I am perplexed at the number of real estate agents, and moreso their managers and brokers who are failing the test for the new FACTA legislation that will be in effect on November 1, 2008. Some real estate agents are still collecting sensitive client information like Social Security numbers, birt...
For those of you puzzled by seasoning requirements for conventional owner occupied and non owner occupied purchases, coupled with wanting to "cash out" refinance to leverage future purchases, here are a few items of clarification based on multiple questions concerning cash-out refinances (title s...
written by Dionne Grabowski, our invited food critic for the week!   A few Friday nights ago my boyfriend and I went to the House of Hunan in Medina for dinner. It was a wonderful Asian restaurant located at 18 Public Square in downtown Medina, Ohio. The atmosphere was very inviting. the front of...
My wife Pam and I had the pleasure of visiting Maria's (Roman) Room in Lakewood, Ohio on Detroit Ave, just past the intersection of West 117th last weekend. I had last gone to Maria's over ten years ago, and just remembered it as a fancy Pizza shop that also had great clam fetticinne, but our rec...
You have been reading the news of doom and gloom for months now in the media, and now are hearing from the same folks that it is definitely time to purchase a home as prices have fallen and there are some fantastic deals that we have not seen in twenty years of real estate. To say that this is a ...
I must tell you, sometimes I learn more from my mortgage clients who are involved with internet and web based business and small business owners than some of the professional trainers in Real Estate and Mortgage Idustry, and I read and get involved with a lot of it. Never too old to learn. ONe of...
It is interesting to see where some of my leads are coming from, aside from my partnerships with some local Real Estate Consultants, my client advocates, and the Blogs. I found that visiting other blog sites that aren't normally what we normally would consider good quality lead generators have in...
Yes, ladies and gentlemen, guys and gals, mods and rockers, we are going back in time with access to capital markets and lending guidelines, with loan to value restrictions on certain types of properties like condominiums, limiting access to loans that just recently were marketed and sold by the ...
Looking for some experienced, licensed, and self motivated loan officers in Ohio, PA, and Kentucky who might be looking to change their venue from working in a Broker Shop to a Mortgage Banker shop, and still offer products on the broker and banker side to clients. We have in house underwriting a...

Richard J. Cyngier

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