Doug Jones's (dougj) Blog

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Mortgage and Lending - Mortgage Magic

ARCHIVED BLOG POSTS

2012 

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Here are some of the talks I have done recently for Service, Social, and Business Clubs. Contact me at dmjmmagic@aol.com if I can assist your group.     Fun With Magic-  I show the audience some simple magic tricks. I teach them a trick and someone gets the chance to win $1000 (not-- the chances...
04/30/2012

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The  information below is from http://www.nationalmortgagesettlement.com . If you have not been assisted by the HARP or HAMP programs there may be some relief here. Because of the complexity of the mortgage market and this agreement, which will be performed over a three-year period, borrowers wil...
04/30/2012

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I can help you make more money.  I can show you how to change your thinking to focus on your goal and achieve it. Over many years I have done what I can teach. You can get started by simply reading and thinking about the blogs that I am writing for commissioned sales people and for small business...
04/28/2012

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This is from the Heritage Foundation. I don't have an opinion yet except for the opinion that Fannie and Freddie have done a darn poor job. I will start to research this and see where it leads me...it is interesting. ____________ For the past several years, it’s not been an uncommon sight in Anyt...
04/27/2012

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The Case Shiller Index reports that prices are down across the nation and we have a double dip. But prices and sales volume is up in Silicon Valley. The Case Shiller report shows that San Francisco is down 0.6%. I am not sure why San Jose, which is the 10th largest city in the nation is not one o...
04/26/2012

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Is HARP 2.0 is bust?  I don't know how others are faring but so far almost all of our submissions have been denied.   We have one bank that guarantees "no overlays", etc and etc. But so far they have turned down every client we have sent. One customer has a credit score of over 800 and she has be...
04/25/2012

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How good is your pre-approval?   Yesterday a Realtor friend called me and she was in tears. She is representing the buyer and the buyer had signed the loan documents and everyone was waiting for funding. The bank told the buyers and sellers that "the loan is ready to fund." But they did not fund....
04/25/2012

3 Comments
When we opened Mortgage Magic in 1990 one of my first customers taught me a valuable lesson. Perhaps the most valuable lesson.   When I was interviewing him I asked who had done his last refinance loan and he told me. I was stunned because I knew the loan officer and knew that he was top notch; h...
04/23/2012

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So frequently I hear people say "I don't have enough time to do that." That may be a true statement but I think for most of us it is really not time but choice.   The average American spends 2.7 hours per day watching TV. That is 18.90 hours each week. Of course those who have children, especiall...
04/22/2012

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How do you price your product? Some price by what is considered normal or standard per industry standards. Some price by adding the cost to build a widget and adding a markup percentage.   I notice that a lot of people in service related businesses have difficulty in determining pricing, Some peo...
04/21/2012
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