Life, Lessons, Encouragement and a little market insight to boot

As I called on Wednesday this week when the market completely overreacted from the Fed speak (which truly signaled 3 key things to me) 1) they made official what was discussed for over a week prior by reducing bond and treasury purchases by 10B/mo so nothing shocking there 2) they took the focus ...

While Tuesday may have been the "official" start to the 2014 March Madness mens Basketball Tournament, today was the first day of the MADNESS and seemingly endless supply of great games to watch. The day started off rough with my favorite Ohio State Buckeyes getting upset by the Dayton Flyers! WO...

Mortgage Market Snapshot, what happened to the rate and bond market yesterday (03.19.14)?? The FOMC (Fed Open Market Committee) decided to continue tapering their bond purchase program by $10 Billion ($5 Billion in both treasuries and mortgages), as expected, and if the current pace remains, is o...

I am a huge fan of FHA and the critical role they provide in home ownership opportunities. First and foremost we are a HUD lender as well as knowing the product inside out and that gives us a key advantage over many of our competition. Simply put... we can make things happen most all of our compe...

So you ran into an unexpected issue and now you are facing life moving forward with bad credit, now what? First and foremost remember this... America is the land of second chances and you can and WILL get through this! So starting off it really doesn't matter where you are in your restart of your...

I am so sick and tired of hearing about credit scores I could scream. Banks want people to think if the score isnt at a certain level (most require 640 and above) you cant get a loan and there is nothing further from the truth! If you have a great score 750 and above KUDOS to you, you have done a...

I am writing this after an entire day of frustration and also a reason on why its necessary to have back up! Comcast has really been sketchy lately and today was the worst. Internet and phone went out at around 10a and has been offline ever since! I am online only because I have a wifi hotspot th...

Money Talks, especially when you are trying to get your offer to buy a home accepted. Lets face it we all know the phrase "put up or shut up". Many people can TALK a good game but the difference between the fluff (talk) and substance (action) is usually backed up by MONEY! I can take this post in...

OK Am I the best at what I do... YES without question I approve and close loans NO OTHER can or will, period. I am solid in my underwriting skills, ability to assess risk and look outside the box to make things happen, LEGALLY, that others walk from ALL THE TIME! So with that said I recently had ...

I loved this post From Dan McGinnis. I too find myself from time to time saying this. I also believe everyone mentioned has said how busy and or tired they can get at times as its just a fact of life. Anyway this is a worthy read and I recommend it for EVERYONE...   I have my doubts, seriously!  ...