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Mortgage and Lending - - 37810/46375/1431088
There is nothing more emotionally gratifying than knowing you have gotten 1st time home buyers off to the best start possible with a customized loan program, financial educational tools to start off their journey towards building their success in life. Having an accounting background puts me in a unique position in being able to understand complex tax situations, especially self employed borrowers with multiple companies. Having closed over 7,000 mortgage loans; gives me a very deep experience level very few in my Industry have attained. Having kept abreast of Realtor issues for 33 years as well through licensing also gives me a unique perspective and empathy to what agents have to go through on a sales transaction. I take great pride in getting a prequalification to stay loyal to the agent that first referred them to me even if it is 3 years later. It takes long time experience, empathy and knowledge to attain a long range financial strategy for clients whether it be through my backgrounds or my ability to work with a client's team of financial professionals to include Wealth managers, CPAS, insurance, financial and estate planners. I look forward to the opportunity to be of service to you..Please call me today. - See more at:



Currently 20 perecent of the Residential market are sales to Investors . Investors accounted for 20 percent of residential sales in April, down from 23 percent in February and 21 percent in March according to the REALTORS Confidence index.  Investors have reported that in many cases that can obta...
Almost everyone knows someone who has gone through aloan modifcation, a short sale or even a foreclosure.  in today's economy, major mortgage upheaval is not uncommon.  Job losses, medical bills, adjustable rates and other hardships are causing amny homeowners to weigh all their options with rega...
Anyone in the real estate profession in the earlier years onf this century knew the importance of advertising constantly. every week loan officers and real estate agents would bring together their most compelling text in order to bring life to their advertisements and maximize their investment in...
One of the goals of the euro was to dethrone the U.S. dollar as the world’s reserve currency and achieve the status of a global currency. There are probably more U.S. dollars floating around outside the U.S. than here in the U.S. Think of Russians saving their money not in rubles but in U.S. doll...
Economic Calendar for the Week of Jun 11 – Jun 15  Date Time (ET) Release For Consensus Prior Impact TuJun 12 14:00 Federal Budget May –$125.0B –$57.6B Moderate WJun 13 08:30 Retail Sales May –0.2% 0.1% HIGH WJun 13 08:30 Retail Sales ex-auto May 0.0% 0.1% HIGH WJun 13 08:30 Producer Price Index ...
We may be hearing more and more about the rise of the rental market, but the fact remains that the vast majority fo those renters aspire to become homeowners, sooner rather than later. According to different surveys, the younger renting generation 9ages 18-34) intend to buy a home. Today's consum...
Significant price inceases in bank owned foreclsoures are driving gains at the national, regional and local levels, helping homeprices turn the corner with small quarterly and yearly gains. National average prices for bank owned foreclosures were up 8.1% over a year ago on a median price per squa...
The best known, the S&P/Case-Shiller home price index, reported Tuesday that home prices nationally fell 2.0% in the first quarter. The S&P report warned home prices haven’t yet turned the corner, although other measures, including the CoreLogic measure, show prices have bottomed out. (That’s esp...
As mortgage rates sink deeper into record territory, homeowners are refinancing into 15-year loans at a pace not seen in a decade, aiming to pay off their debt in time for retirement...With housing markets still troubled, the rates are mainly benefiting refinancers whose luck or self-discipline h...
The latest Realtors® Confidence Index survey indicates that distressed sales as a percentage of the market are down. Measured at the MLS sales level, distressed sales have hovered in the 30 to 35 percent range for a number of years, with heavy sales concentrations in a few states. Distressed sale...

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