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

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Mortgage and Lending - US Mortgages - David Shamansky - NMLS#392126
Positive reinforcer, Productive encourager, Entreprenuer, Life Coach, Success Coach, Wealth Builder, Business Leader and Professional Lender.

ARCHIVED BLOG POSTS

2014 

Well as I gave notice to many that there was going to be some volatility this week with a "manipulated" set of data (or at least its interpretation) and with consumer confidence ticking up and a feeling of an improving economy mtg backed securities took a hit over the last two days. Combine that ...
07/31/2014
OK Today sucked for weather here in Denver. A very NON typical week for us as it has been raining non stop for the last few days and some tornado's and just overall nasty. So today with the Broncos having another "open" to the public practice how many Bronco crazed fans showed up to show their su...
07/30/2014
To all my Realtor and Lender Friends here in AR here is an IMPORTANT update to make note of regarding how FNMA is now viewing Short Sales and the requirements to be eligible for Conventional Financing. The good is the old limit of 7yrs max wait period is now reduced down to 4yrs but the bad news ...
07/30/2014
Many buyers, and Realtors too, dont realize that in the world of lending there are constant guideline changes. One change that actually happened a few years ago, that I had to go over with both a buyer and Realtor earlier today, was involving debt to income ratio (or industry known as DTI). When ...
07/28/2014
This week starts for the 2014 Fair for Adams County Colorado. While there are numerous 4H events starting today thru Tuesday, its not until 7/30 that is the "official" start of the 2014 Fair. There will be events for everyone including a demolition Derby that is always fun to watch. To get all th...
07/27/2014
Due to construction around Dove Valley, where the Denver Broncos normally hold public open practice sessions, today was the first available practice that was able to accommodate the fans. In doing so the Broncos moved practice location to the Mile High Stadium. I will be interested to hear what t...
07/27/2014
I am starting a new campaign to add 4 Licensed, experienced, honest and ethical originators to our group. YES - US Mortgages is Hiring and in need of 4 originators to help with our inbound leads. I know there are licensed originators here in Colorado that read my blog and I am reaching out and sa...
07/26/2014
  So you just got your mortgage and saved some money or moved into your new home, CONGRATULATIONS! What typically happens in the next 1-2 months? A letter arrives talking about Bi-Weekly payments and how you can get out of debt and save tens of thousands in interest and payments by utilizing this...
07/26/2014
On top of the commonly known items not paying your bills costs you , like higher rates, late fees, potential for filing fees and court costs (if it goes that far) potential for not being able to get a loan, difficulty even getting an apartment one of the lesser known costs comes at time of clean ...
07/24/2014
Unlike a DUI (which no one wants) a WUI is critical and almost impossible to be successful without 1 or more. For me the 2 biggest "Positive" influences I had, had nothing to do with Real Estate. My biggest influential person was without question, my dad! He was and still is AWESOME! He taught me...
07/24/2014
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David Shamansky

Creative, Aggressive & 560 FICO - OK, Colorado Mtg
560FICO and High DTI are among some of what we say Yes to
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