Constantly changing market

Mortgage and Lending with Citizens National Bank

Since I've started in the Residential Lending business, I have notice a big change in everything, including almost every form or home financing.  We offer a wide range of conventional loan programs from many investors, as well as VA and FHA government programs.  We are still working on getting signed up with USDA to provide that benefit to our customers, however, funding for that program has declined.  There are many new programs and changes that need reviewing almost everyday, such as FHA risk-based mortgage insurance and Hope for Homeowners act.  We do have HUD homeloan programs, teachers programs, firefighter/police officer programs and other HUD Good Neighbor Next Door programs that could benefit some clients.  Rates continue to change every day, and sometimes multiple times per day.  However, it is my job to stay on top of those changes and pass the benefit off to our clients. 

Comments (9)

Patricia Fisher
Keller Williams Realty - Spartanburg, SC

Welcome to the Active Rain Community!  This is a great site to network, learn, and share ideas with others.  Have a great day!

Aug 27, 2008 09:25 AM
Kevin Wood,
Keller Williams Southern Arizona - Tucson, AZ
Tucson, AZ Realtor


Thank you for sharing your perspective. I wish you the best of luck with your future blogging. This is an awesome place to learn and grow

Aug 27, 2008 12:33 PM
Breanna Ochoa
Metro Realty Partners - Houston, TX
Realtor - Houston, Sugar Land, Pearland

Welcome to Active Rain, keep up the blogging! It is a great way to meet peers and gain new clients. Plus its free! Can't beat that. Watch out, it is addictive though.

Aug 27, 2008 12:39 PM
Ron Brown NMLS #270845
NMLS ID: 40831 - Federal Way, WA


Welcome to Active Rain! Congratulations on your first blog.  You'll find this is a great site for sharing ideas, networking, and growing your business.  If you ever have a question about VA loans, or FHA loans I'd be happy to help!

Ron Brown

VA Loan & FHA Loan Specialist

First Mortgage Company of Washington

Puyallup, WA

Aug 27, 2008 01:34 PM
Bill Kennedy
Keller Williams Realty - Greenville, SC
Homes For Sale Greenville SC

Welcome to active rain! This is a great site for learning as well as sharing.  Blog often, check out some other peoples' blogs, and join some groups... and enjoy!

Aug 27, 2008 02:36 PM
Vicente A. Martinez
Prudential Douglas Elliman Licensed Real Estate Salesperson - Woodhaven, NY
Realtor, Brooklyn - Long Island - Queens Homes

Hi and welcome to active|rain. There are thousands of tips, tools, and tricks of the trade here. Be sure to check them out. Best of luck and see you around.

Aug 27, 2008 04:47 PM
Ron Martin
Keller Williams Realty - Spartanburg, SC
Ron Martin Team

Welcome to Active Rain, You will enjoy this free marketing where you share ideas, thoughts with everyone. If you have any clients that needs to relocate to South Carolina, We are your team. Enjoy and have fun. 

Aug 27, 2008 11:25 PM
Dwayne West
Atlanta Real Estate - Canton, GA
Canton Georgia Real Estate

Welcome to the Active Rain community. You have chosen a great site with tons of information you can learn from.

Aug 27, 2008 11:42 PM
Kirk Westervelt
Van West Realty - Greenville, SC Realtor -Short Sale Expert! - Greenville, SC
Kirk Westervelt, Broker In Charge, Van West Realty - CDPE - Short Sale Agent - Home for Sale - Greenville, Simpsonvil...

Hi, welcome to Active Rain! I hope to see more of your blogs in the future. Learn from others, share your knowledge and experiences and enjoy yourself! Take care! ---Kirk.

Aug 28, 2008 02:57 AM