Dan Dowling Blog

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Mortgage and Lending - Dan Dowling - United Mortgage Capital Corp.
equity management strategies, debt consolidation, central Florida real estate loans, rate calculator, interest rates, credit scores, insurance, taxes, financial planning approach to debt,
RECENT BLOG POSTS
Just to keep the media blitz from totally "blacking you out". There are programs at great rates for good credit borrowers.Check this out. A borrower with a 720 score can still do 90% investor stated! At a fixed rate in the 7.xx% range!Now, here's what you do. Let your investors know these program...
08/31/2007
I hear all sorts of 'experts' crying that subprime is dead and it will never come back. Hogwash.It will come back. In fact there was an "implosion" like this in 1998. All sorts of subprime lenders went out of business and within 2 years it was all back! In fact it came back stronger. With more pr...
08/31/2007
Last time we covered the Fed Funds Rate in Part 2. Now on to the final component.Prime Rate: The Prime Rate is the rate banks charge their best customers for higher risk loans. i.e. Home Equity Lines of Credit, construction loans, credit cards, etc. The prime rate has nothing to do with first mor...
08/31/2007
Last time we talked about the Fed Discount Rate in Part IFed Discount Rate: This is the rate at which the Fed lends money to member banks for overnight loans. Yep you heard right "overnight" as in you got 24 hours to pay it back. This money is available so banks can keep the right amount of "rese...
08/31/2007
"Hey, I See The Federal Reserve Is Lowering Rates! What Does That Mean For Me?"Great question. First some definitions. Some interest rates the Federal Reserve controls, some it influences, and some it has virtually no control over.For starters, understand that the Fed has no control over your sta...
08/31/2007
 Each week Bankrate.com posts the financial analysis of 6 mortgage experts from across the country. If you don't have an expert in your area you consult with on these topics, it's a great way to educate clients about the trends for interest rates. http://www.bankrate.com/brm/static/rti.asp Now, l...
08/30/2007
      There is no single marketing strategy which will beat marketing to your sphere. It blows traditional advertising away on every level. The costs are lower, the response higher, and the conversion/pull through is through the roof. I'm amazed at the professionals who spends a king's ransom on ...
08/30/2007
 This is pure gold. Most of us fail miserably at this one little secret, but once learned it can be one of the most powerful weapons in your arsenal. You competitors aren't doing it because they think it's a waste of time...and this is exactly why it works. Regardless of what profession you're in...
08/29/2007
 Believe it or not your clients want to see your name in print. So how do you get the media to recognize you as an expert?Just to build background, I was interviewed twice by the Orlando Sentinel and twice by BankRate.com last week alone. My financial comments could be seen in CNNmoney.com, USA T...
08/29/2007
 Does this sound like I'm pro mortgage broker? There's a reason mortgage brokers account for 65% of all loans funded in this country. The current mortgage crisis makes them even more valuable. (as if saving people thousands by shopping the loan amongst several banks weren't enough...)Here's why.I...
08/25/2007
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