ARCHIVED BLOG POSTS
2010
The title of the article is Clearer mortgage documents make shopping easier. The opening lines are: Shopping for a mortgage got easier this year with new, simple to-understand-good-faith estimate forms that all lenders are now required to use- making it less of a hassle for consumers to compare l...
01/18/2010
Nothing can beat a great loan processor when it comes to getting all of the paper work done. I am lucky because I have had the same processor for 20 years. The title can be Sr. Processor, Processor, Underwriter, etc but having a person who can muddle thru all the papers and quickly give a thumbs ...
01/18/2010
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Reading A Whole New Mind by Daniel Pink. This book is about the shift from agriculture to industrial to information and now to the conceptual age. Daniel makes a comment that the best managers are funny and have a sense of humor. That explains to me why all those who started with me 20 years ago ...
01/16/2010
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My title "Truth in Lending - Rule of 78's" is old stuff. Today as I sat in my 4th meeting to do with the new RESPA law and it hit me that I have been thru this type thing four times. The first time was back probably in 1970 when Reg Z came out. My memory is fuzzy but it was somewhere around there...
01/15/2010
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Because I have been in the business a long time I have seen many strange things. I have had clients die before loans funded...I have signed loan documents in hospitals and jails. Once on a Friday before Labor Day the bank funded the loan for a purchase and later than afternoon un-funded the loan....
01/13/2010
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I am the broker and am constantly 'motivating' more than 30 agents who work with me. But, I just posted a 'whine' or 'belly ache' on Active Rain. So the question, Who motivates the motivator? The answer is Active Rain Members ! In my case it was Vickie Nagy..thanks Vickie ! vickienagy Just pos...
01/11/2010
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Ever want to just quit? I felt like that today. For me it has become so frustrating and I THINK I know what I am doing but I am starting to wonder. All day was a series of phone calls to the bank begging them to draw loan docs on a purchase. The escrow closing date is tomorrow (1-12-10) and as it...
01/11/2010
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Sometime this summer loan officers with bad credit will no longer be able to be loan officers..I have good credit but I think this is horrible and the laws are written by those (Congress) whose ethics are really suspect. This is from the year 2000 and it is not political- no names and no politica...
01/07/2010
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My sales volume is great right now and it is nice to say that again. Along with loans I have 4 transactions in escrow and took a new listing yesterday. I credit a lot to YouTube. I have 3 testimonials on youtube and hope to have 10 within 30 days. But what is best is teaching on YouTube. I have a...
01/07/2010
At 10 this morning I was commenting on an Active Rain blog when BOOM my desk seemed to rise and drop 3 feet. It was an earthquake. The quake was in Fremont, about 20 miles from me, and it was a one wave quake. The quake was measured at 4.1. This morning in Milpitas, which is next to Fremont there...
01/07/2010
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Doug Jones
Mortgage Broker - NMLS 286668