team: Read the following commandments for getting along with people - 12/27/11 02:26 PM
I received this recently from a friend, and thought I'd pass this great information along to you....enjoy!!!
Relationships are truly the spice of life. When we get to the end of our life who wants to be the richest man in the cemetery? Not me, but I do want to be rich in loving relationships.Read the following commandments for getting along with people. 1. Speak to people. There is nothing as nice as a cheerful word of greeting. 2. Smile at people. It takes seventy-two muscles to frown and only fourteen to smile. 3. Call people by name. The sweetest music to anyone's ears … (4 comments)

team: FHA MIP vs. Conventional PMI – Which is better? - 11/08/11 05:58 AM
FHA MIP vs. Conventional PMI – Which is better?
In recent years we have seen a large shift in the market toward FHA lending as most borrowers with small down payments had little to no options on the conventional side.  However, the tide has been turning recently as many Private Mortgage Insurance companies have gotten back in the game and now offer qualified buyers many options that are better and less complicated than FHA.
FHA Benefits
FHA has always and continues to be the best option for borrowers with less than perfect credit and low credit scores.  These borrowers will … (2 comments)

team: This is a continued issue please counsel your buyers - 11/08/11 05:53 AM
Paper Trail:
Rules for Verifying Gift Funds on FHA Loans
This is a continued issue please counsel your buyers:
One of the issues that always come up is how much money your clients plan to use for their down payment. However, what is rarely discussed is, "where is the money coming from for the down payment and closing costs?"


When working with FHA buyers and getting them pre-approved, if they say they are getting all (or part) of the money from a gift, FHA requires a "paper trail." I want to share … (2 comments)

team: Top performers: - 10/10/11 07:05 AM
Know their stuff. They put regular effort into ensuring they excel at their jobs. If you want to be a top performer, you cannot be the person who checks out at 4:55 PM every day. You must exercise extra effort with your career, building the right reputation of commitment and passion. Focus on the right stuff. Top performers contribute to tasks essential to the organization's success. Top performers make themselves valuable by exceling at tasks given to them and by focusing on how they can extend their role within their company. Build a reputation for being helpful. Top performers are widely known and respected … (1 comments)

team: Our mission, should you decide to accept it…-Passing it along! - 09/30/11 05:13 AM
Our mission, should you decide to accept it…
We have to be the sun.   When you get up to start your day as a Realtor, a lender or builder or anyone else involved in selling real estate today,  know that your ability to communicate the facts, and help people take advantage of this historic opportunity to own a home has a profoundly positive impact on the economy of our country.  You are the stimulus that will turn things around.     –Kate Wilson


team: Important News for Realtors, Builders and HOMEOWNERS - 09/28/11 10:40 AM
It is so imperative for each and every person living in the United States to understand what is happening in the current housing industry.  No matter who it is, we are all affected by the housing market;, if you are not employed in a field associated with the industry, then you are a current home owner or at least aspire to own a home someday.  The health of the economy has been directly related to housing for generations.  We need to do whatever we can to support keeping loan limits where they are, help to bring back reasonable lending practices … (0 comments)

team: Act proactively and Advise your NEW CLIENTS : Things to avoid before buying a home - 09/19/11 09:12 AM
Many new homebuyers make the mistake of rushing out to buy things to fill their home with as soon as the seller accepts their purchase offer and the lender pre-approves their loan. But there are still a few major hurdles to overcome before the keys are handed out. Here are some things to avoid during the home buying process to assure your transaction goes as smoothly as possible:

Don't make an expensive purchase. It may be tempting to order that new sofa for your soon-to-be living room, but its important that you avoid making major purchases like furniture, … (2 comments)

team: HOMEOWNERS, Are your taxes and insurance up to date? - 09/19/11 09:04 AM

Even though your mortgage servicer is responsible for paying your taxes and insurance out of your escrow account, it just makes sense to periodically check to see that these payments are being made properly. Remember this is an ESCROW account established to pay your taxes and insurance and assure that the mortgage company will not lose their collateral for the loan because the taxes or insurance were not paid.  You chose the insurance company and can change companies if you provide proof to the mortgage company that you have insurance and that it meets the lenders requirements for sufficient coverage. 

team: Success Is Easy, But So Is Neglect - 09/16/11 04:50 AM
Below is a recent article I wanted to share with you from Mr. Rohn.  My results are amazing when I follow his advice and yours will be too.  Enjoy!!
Success Is Easy, But So Is Neglect by Jim Rohn 
People often ask me how I became successful in that six-year period of time while many of the people I knew did not. The answer is simple: The things I found to be easy to do, they found to be easy not to do. I found it easy to set the goals that could change my life. They found … (3 comments)

team: "Beat the Clock" - 09/06/11 10:42 AM
It’s the Eleventh hour of the day and you feel that your title ought to be Fire Chief.  That’s how I felt for the entire month of July.  Tuesday, I decided to step back and debrief the month with my people.  In doing so, we came up with a number of ways that we could “One Time” our business practices to insure that we don’t run out of day before we finish our work during the month of August.
One Timing things means that you look for a pattern and see if there is something that you can do … (0 comments)

team: Hard work! Never enough - 08/25/11 03:30 AM
Anyone who has lost track of time when using a computer knows the propensity to dream, the urge to make dreams come true and the tendency to miss lunch.


team: Here we go again, new requirements for appraisals - 08/22/11 09:08 AM

Here we go again, new requirements for appraisals 
How does this affect you???  It may take the appraisers a little longer to complete the report as this is a change and there may be questions about how it is to be applied.  It may change the complexion of the loan by creating a higher risk (The borrower has applied for a 95% loan and is preapproved; the property code comes back with a C-5 rating, What is the underwriter going to do??)  
My advice:  Look at these codes, look at your listings and see … (9 comments)

team: Just a thought for the day... - 08/22/11 06:16 AM

There's blind luck, crazy luck and then there's get up every morning at 5:30 and sweat the details luck.Few people actually stumble into wealth. It takes persistence, tenacity and a tireless work ethic. In the end, luck has little to do with success. It takes experience and hard work. Pure and simple. Just dont forget.....

team: Warren Buffett: I love you! - 08/12/11 09:09 AM

Warren Buffett has the best attitude and belief in a forward idealism.  He has been buying amid all the sharp declines in the market and still does not see anything that suggests another downturn is emerging, and he is a legendary investor.  Perhaps he has the theory that promoting negativity is a self predicting prophecy.
Buffet told a magazine that he understood why Standard & Poor’s lowered its outlook on the credit rating of his conglomerate Berkshire Hathaway, but said he disagreed with the premise-“the downgrade of the United States credit rating.....”  If we have never … (3 comments)

team: "How the Mortgage Acts & Practices" Rules Affect Real Estate Agents & Builders" - 08/10/11 10:26 AM
"How the Mortgage Acts & Practices" Rules Affect Real Estate Agents & Builders
The Mortgage Acts & Practices Rules are in effect as of August 19, 2011.
When you run an ad, or even mention mortgage terms, you must not only comply with Reg Z rules, you must comply with these, too.
First of all, here are the types of advertising/marketing that are outlined in the Act. The Fed’s call it "commercial communications" and it means…
Any written or oral statement
Illustrations such as charts and graphs
English or any other language

team: Home Valuation Code of Conduct: Now What? - 08/10/11 10:24 AM
Home Valuation Code of Conduct: Now What?
Frequently Asked Questions
The way appraisals are ordered and transmitted to the client has changed!

The way appraisers must determine value has changed!

Listed below are the most frequently asked questions regarding appraisal-ordering procedures and what now must be included on an appraisal report. Just a note—HVCC applies to conventional loans only. FHA, VA and USDA loans are exempt from this rule.

How does an appraisal get ordered?

You must order an appraisal thru an Appraisal Management Company who in turn, assigns the appraisal order to ANOTHER appraiser—or … (2 comments)

team: Rules When Selling a Home when in forclosure - 08/10/11 10:21 AM
Be careful when listing a home, going thru the foreclosure process and is currently in a "redemption period". A redemption period is the time given to the property owners to come up with ALL of the money to pay off the balance of their mortgage, the attorney fees and any unpaid interest.
Yes, you can sell the home during the redemption period, but the following conditions must apply:
1. Property must be in a state where it is common & customary to sell a home in redemption.
2. Title insurance must contain a specific … (0 comments)

team: Try not to forget the purpose of the 4th of July - 07/20/11 03:41 AM
The Fourth of July, was originally intended to commemorate America's declaration of separation from Great Britain on July 4, 1776.
However, 235 years later, the meaning is different -- and much more significant. Independence Day is a time when we celebrate the freedoms that they enjoy in this country.
People often celebrate the holiday with gatherings of family and friends, barbecues, parties, games, food, parades, baseball games and fireworks.
Those are all fine.
But some take the freedom and liberty we are granted for granted. It is important to never forget the true meaning of the Fourth of July.
"Those who … (0 comments)

team: Quick payment calculator to help your client!!! - 07/20/11 03:38 AM
Always be sure your customers are comfortable with their monthly payment. Have them contact a Loan Originator for a more accurate payment (taxes & insurance).
Another thing you can help them with is look up the taxes on the property- sometimes that may kill the deal if out of the comfort range.
Call Sunny with any questions on payments or available grant money for your clients!!  

team: Suits in Boots! How you can help! - 06/22/11 09:56 AM
Please visit the below link.... To get your boots! This is a great way for us all to show our appreciation to our troops!!!
As life goes on we forget about the families who sacrfice for US! Put your boots on EVERYBODY! Feel free to share your photos with us!
"We will not tire, We will not falter, We will not fail."

Sunny Group Movement Mortgage

Sunny Group Movement Mortgage

Biloxi, MS

More about me…

Address: 1831 Popps Ferry Road, Biloxi, MS, 39532

Office: (228) 385-0551

Mobile: (228) 596-8007

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