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Do You Have a Valentine’s Day Story to Tell?

With Valentine’s Day fast approaching, romance is in the air! Men and women everywhere are starting to think about what they will do for their significant other to celebrate their love and devotion.

For most of us, our soul mate is not the first person we’ve ever dated. In fact, many people can . . . → Read More: Do You Have a Valentine’s Day Story to Tell?

What Was Your Most Memorable Halloween?

(SIDEBAR:  Apologies from the Web Master from publishing this late.)

 

For over 10 years, I’ve written about the mortgage industry and how we’ve helped our clients use their mortgage to build wealth.  However, to get into the upcoming holiday season, I thought I would change it up and do something just for . . . → Read More: What Was Your Most Memorable Halloween?

What’s The Key To Success? Provide Tremendous Value to Your Relationships.

 

Part of the pleasures I receive in owning my own mortgage business is the joy I get from helping people. I enjoy helping them to own their first home. I enjoy helping them pull money out of their home for a new business venture, especially after “their bank” said “No.” I enjoy showing . . . → Read More: What’s The Key To Success? Provide Tremendous Value to Your Relationships.

Why Use a QUALIFIED Certified Mortgage Planning Specialist®? Ask Another Client! – Part 2

 

Scenario:        First time buyer purchasing a condo.  20% down payment.  Good Income.  Good Credit.  An all-around strong buyer.

 

PROBLEM:  He spoke to ‘his bank’ and was told, “No Problem!”…then was denied.  He then spoke to a lender recommended by the real estate agent.  “Piece of cake!” they said…then he was denied.

 

. . . → Read More: Why Use a QUALIFIED Certified Mortgage Planning Specialist®? Ask Another Client! – Part 2

Fed’s Report of ‘Easing Mortgage Credit’ Turns Out to be a Myth.

 

In August, the Federal Reserve released a report that reported demand for loans had increased and that lending standards have “continued” easing in many loan categories, including mortgages.   The report influenced mortgage industry participants to believe a housing and mortgage-lending recovery was just around the corner.

 

Unfortunately, mortgage industry professionals have seen . . . → Read More: Fed’s Report of ‘Easing Mortgage Credit’ Turns Out to be a Myth.

Home Buying “DO’s and DON’T’s.”

 

Buying a new home should be an exciting time in one’s life. Yet, many people are overwhelmed by the requirements for obtaining a mortgage. Fortunately, most stress-causing issues are totally avoidable!

Over the years, I’ve witnessed many buyer actions that were ultimately harmful to their mortgage process. However, a little foresight and preparation . . . → Read More: Home Buying “DO’s and DON’T’s.”

Shop for the Truth, NOT the Answer.

 

My clients appreciate that I always tell them the truth and advise them accurately. What I tell them is not always what they want to hear; but it IS what they need to hear. Yet, every once in a while, I come across a borrower who doesn’t like my advice and continues to . . . → Read More: Shop for the Truth, NOT the Answer.

There Are No Secrets With New Credit Report from CoreLogic

(Originally published 07/10/12.)

 

It’s almost common knowledge that in recent years, lenders have been delving deeply into borrowers’ credit and financial affairs.  Now lenders have another tool at their disposal, allowing them to investigate deep into areas of a borrower’s history never before available.

CoreLogic, a provider of high-value information, analytics, and risk-reducing . . . → Read More: There Are No Secrets With New Credit Report from CoreLogic

Americans Should Be Buying Homes, According to Warren Buffett

(Originally Published 04/03/12.)

 

“Be greedy when others are fearful.  Be fearful when others are greedy.” – Warren Buffett

 

Warren Buffett is notably one of the richest men in the world and arguably The most successful investor in modern times.  He’s a contrarian investor who looks to buy investments when they are out-of-favor, . . . → Read More: Americans Should Be Buying Homes, According to Warren Buffett

The 15 Year Fixed Mortgage: Financial Savior or Doing More Harm Than Good?

(Originally published 02/28/12.)

 

You’ve heard the personal finance pundits on TV recommending them.  You’ve seen banks advertizing them like crazy.  The 15 Year Fixed Rate Mortgage. It’s been touted as the best thing since sliced bread.  “Lower rates!  Pay less interest! Save tens of thousands of dollars over the life of your loan!”  . . . → Read More: The 15 Year Fixed Mortgage: Financial Savior or Doing More Harm Than Good?