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Looking for a candidate for your Pennsylvania mortgage needs, look no further.

By
Services for Real Estate Pros with Auto & Home & Life Insurance throughout North Carolina

In the spirit of times when policy reaches out to the public, where politics try to give hope and transformation to its people, there lies a very important aspect that not many at any convention you are watching or studying... truly understands.  It deals with our homes, our land, and part of the backbone of our very economy.  I'm lucky enough to be involved.  I'm honored enough to be able to impact and to help.  I dare say that I'm the right person in my area to do my part, to do this job.  My name is Jason Sardi and I am Mortgage Broker.  (reciting that in the mirror each morning has a delightful way of waking up my sleepy behind)

I'll try to make the context brief, realizing attention spans are a tad short and you folks have better things to do... like concentrate on you.  Home-ownership is a vital part of the American Dream so often mentioned, sometimes very loosely.  I'll simply outline my qualifications and you can decide. If that sounds fair... here we go:

Some folks are hungry to get their mortgage loan closed.  Yet, they are lost in the dark ides of what is needed to make that happen.  Folks think that it is entirely up to the lender or broker or bank they are working with.  That holds some semblance of truth, but people have more power than they have been given credit for and have more influence than what they've been taught.  Here's a few pointers to make that hassle, one less of one.

The tail wags the dog these days.  A perfect example of this is your credit score and report.  It affects your life far more than it probably should.  So, know the system and get informed.  Not all of us have the type of credit to get us what we want, breakfast in bed served by the new cast of 90210.  In many cases, people need somebody to lead them in the right direction.  If I can't do a loan for you now, if you simply aren't prepared, no worries... if you aren't a client now, you will be down the road.  I work with folks even if I can't close their loan anytime soon.  Part of my job is educating, most of my job is making sure you're better prepared ongoing.  Credit Scores and history are important, read this to ensure you are working with someone who understands how you can put yourself in a better financial position at a later date. 

It's not just about getting pre-approved or buying a home, assuming you are in the position to do so.  It's also about working with someone who will look out for your best interests.  There's no reason to overextend yourself, leaving you mortgage poor.  Here's an example you may want to check out.

People love to shop, especially for mortgages.  Well, they may not love it... but they certainly salivate at finding the best deal.  You know, the lowest rate with little if any fees?  Sometimes I wonder if people are looking for a mortgage loan or mortgage grant?  Tell ya what, check out this post to get some pretty bipartisan advice on shopping for a mortgage.

How about a niche product for Real Estate Investors?  With the large inventory in many markets, there's an abundance of opportunity just waiting out there.  This product can help you in many of your Real Estate Investment strategies.  Don't let the title fool ya, I'm no quitter;-)

Whether you are working in this industry or a consumer on the outside of it, these are challenging and changing times we live in.  You can learn a lot from this little guy.

Perhaps you are looking to relocate or buy a home in my local area of Allentown, Pennsylvania.  Here's a sample of what you can expect as I try to dissect your needs and situation.

A lot of discussion has been going on about fixed rate vs. adjustable rate mortgages.  Which is the best for you?  Reading this blast from the past may give you some insight... and something to think about.

Speeches are like belly buttons, everyone has one and some are prettier than others.  This isn't about how pretty you I sound, it's about how well you I perform.  Perhaps there has been no time in history like the present, where the mortgage industry was so important to you or this Country.  It's more than pretty words, it's more than convincing tag-lines or dazzling promotional pieces and sales pitches, it's doing the job ethically and competently.  It is getting the job done.  See that guy in the Barney-like shirt and tie below, that's me.  I tend to get the job done...

 

 

Comments (24)

Scott Geary
Infinity Home Mortgage Company Inc - Allentown, PA
Your Pennsylvania Mortgage Source

Jason - You may be Nationwide sooner than you think ;>) As for getting the job done - you get better each and every day. It's BIG fun to work with someone who is truly committed, dedicated and zealous about their chosen profession. YOU, my young friend are the real deal!

Aug 28, 2008 08:47 AM
Gary Woltal
Keller Williams Realty - Flower Mound, TX
Assoc. Broker Realtor SFR Dallas Ft. Worth

Jason, I think the credit crunch with the mortgage industry has the pendulum swung too far on tight credit at this instant in time. I hope the mortgage folks ease up a little bit on people with excellent credit and get them the loans they need.

Aug 28, 2008 08:56 AM
Sandra Cummings
William Raveis Real Estate - Guilford, CT
Real Estate Agent, Guilford Connecticut

Jason- Are you sure your not running for office? So much information all packed into one post. Nice.

Aug 28, 2008 09:21 AM
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

Mr. Geary - I owe most of what I am and what I know to a very knowledgable and caring mentor.  If I remember the guy's name, I'll let you know;-)

Gary - Yup, from one extreme to another.  You gotta love knee jerk reactions.

Sandra - Not yet, still trying to clean out the skelatons.  Thanks.

Aug 28, 2008 09:24 AM
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

My Jennifer - You know there's always a special place reserved for you.

Aug 28, 2008 09:39 AM
Jo-Anne Smith
Oakville, ON

Jason,

I wish you had a clone here in Ontario....I'd send all my clients to you. You're not only knowledgeable, caring and highly skilled, you're also down to earth and would make even getting a mortgage fun.

((-:
Jo

Aug 28, 2008 10:20 AM
Audrey June-Forshey
RE/MAX Realty Services - Darnestown, MD
GRI, Gaithersburg, MD

Jason, You got my vote.  I think it is important for everyone in the transaction to do their part to keep the wheels turning.  You are right about being an investor now.  How many people are going to say, "Gee, I could have bought this house back in 08 for ______________, what was I thinking?"

Aug 28, 2008 10:43 AM
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

Jo-Anne - A clone of me would be downright scary, but thank you.  It's definitely not the easiest gig in the world to pull off, that of making mortgages fun to banter about.

Audrey - Agreed.  There's a plethora of opportunity in any perceived down market.  Regardless of the reality, give me a down market and I'll show you that much more in the way of getting ahead. 

Aug 28, 2008 11:32 AM
Neal Bloom
Brokered by eXp Realty LLC - Weston, FL
Realtor CRS-Weston FL Real Estate

Bro,

Your my wingman in FL;)

Aug 28, 2008 11:42 AM
Cynthia Tilghman, RealtorĀ® Onslow County NC Home Specialist
Kingsbridge Realty, Inc - Hubert, NC

Hi Jason,
I salute you for taking the time to work with and educate the consumer.  I find that many buyers just do not understand how important their credit score is and if not advised are apt to go out and buy something on credit while a loan application is being processed.  Gives me heart palpitations!

Aug 28, 2008 01:32 PM
Jeannie Kontis
Lancaster, PA

Great information, as always.  BTW, are there any loans specifically for senior citizens?  Like 55+ loans or some other type of funding?  Inquiring minds want to know.  I haven't heard of any such thing, but wouldn't it be great it there were such a loan?

Aug 28, 2008 03:01 PM
William Johnson
Retired - La Jolla, CA
Retired

Hi Jason, This was excellent and well worth the read. I am impressed at how marvelous you are at this. The only thing you left off was was I'm Jason Sardi and I approve this ad, :-) Great Job and well said.

Aug 28, 2008 04:36 PM
Katerina Gasset
The Gasset Group & Get It Done For Me Virtual Services - Provo, UT
Amplify Your Real Estate & Life Dreams!

Jason- I wish you were here in Palm Beach County! We need a good mortgage broker in these parts. :)

Aug 28, 2008 05:14 PM
The Somers Team
The Somers Team at KW Philadelphia - Philadelphia, PA
Delivering Real Estate Happiness

Jason - great post !  Im sure you will do well and superb in the future as a lot of the weak mortgage brokers (as realtors) are dropping out of the business which is less competition for you moving foward !   

Aug 28, 2008 11:44 PM
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

Neal - Thanks bro:-)

Cynthia - I find that as well.  I've made deep and tangible strides in educating myself about the in's and out's of credit, so I can advise responsibly.

Jeannie - Besides Reverse Mortgages?  I'm not quite sure, shoot me an email and I will look into it.

William - You are right, I did forget that.  And I do recall thinking on how to wittingly enter that line into the context.  Thanks for pointing that out;-)

Katerina - If that time comes, I'll hold you to that.  Of course, you will hold me to my end of things as well.

Christopher and Stephanie - For the most part, I don't mind those fleeing from the industry.  Then again, we are losing some good folks as well.

Aug 29, 2008 01:24 AM
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Great post. I hope consumers read it. They will want to call you for all their mortgage needs.

Aug 29, 2008 01:38 AM
Fred Chamberlin
Guild Mortgage Co - Oak Harbor WA - Oak Harbor, WA
Oak Harbor/Whidbeynulls, #1 Experienced FHA Mortgage Consultant

Jason, just remember, one of the problems with clones is replicate failure. I knew all those years of watching Star Trek would pay off. Stick to being original.

Aug 29, 2008 02:52 AM
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

Gita - I hope your crystal ball is accurate:-)  Thank you.

Fred - I don't have much of a problem with that orginality thing.

Aug 29, 2008 03:28 AM
Jeff Belonger
Social Media - Infinity Home Mortgage Company, Inc - Cherry Hill, NJ
The FHA Expert - FHA Loans - FHA mortgages - USDA loans - VA Loans

Jason... kind of funny...  I read this earlier today, but I just never had time to comment.  In any case, well done.  It comes down to passion and treating people the same way that you would want to be treated.  Have a good weekend....

Jeff Belonger

Aug 29, 2008 04:59 PM
Jason Sardi
Auto & Home & Life Insurance throughout North Carolina - Charlotte, NC
Your Agent for Life

Belonger - No worries, man.  Just ignore my post after this, will ya;-)  Enjoy your weekend as well.

Aug 29, 2008 05:12 PM