Thinking Outside the Mortgage Marketing Box

The facts included on this page are from a survey of Baby Boomers conducted by the National Association of Realtors. It was published in Realtor.org in October of 2006. There were some interesting facts included in the survey that are impacting all of us.The study was based on a survey of 2000 ba...

I got home from work the other day and my wife and I were trying to figure out what to do Saturday evening. We have been to moist of the local restaurant s and wqanted to do something different. Movies were out, I don't care for the mall and the local Orpheum did not have what we were looking for...

Congratulations and thank you to Jennifer. She invited me to the world of Active Rain and has just achieved 50,000 points. You may all see many of Jennifer's posts. They take us through a tour of beautiful Northern Dutchess County and Southern Columbia County. This areea is in the heart of the Hu...

What a couple of weeks it has been in the sub-prime mortgage world. I have heard that it is bye-bye to Option One, New Century, WMC, Fremont, MLNUSA...... Ouch. Why did this all happen? I will venture to guess that it was a bad guess that the markets would always have an appetite for this higher ...

  I was reading the Poughkeepsie Journal this morning and the front page had an article about home prices in the Hudson Valley that I found encouraging. No they haven't started to rise. They have stayed flat in both Dutchess and Ulster Counties. The statistics were provided by the Ulster County B...

I had a recent loan that nearly fell apart at the 11th hour. The ratios were tight due to income and debt and I had made sure to overestimate the PITI to ensure I would have enough room in the event rates went against me. We locked the rate and the taxes actually came in low. I had guess $120 for...

Here is a term that we can start to lose from our lexicon. More and more I hear this term when people are referring to situations and people at work.We are always talking about throwing peole under the bus, getting thrown under the bus or look out, that guy will throw you under the bus. I guess i...

Well, you are considering selling your home and you want to get on the phone or pick up a local real estate selling book and pick an agent.....Right?Wrong! There are many things you need to do prior to listing your home for sale. These include preparing yourself financially and emotionally for th...

I had a long discussion with a fellow loan officer about whose responsibility it is to order title insurance on a refinance. We know that the purchaser's attorney will handle this is our area, but for the most part people do not consult a lawyer when refinancing their home.Well he thought process...

So what are you doing that is different this year? We have all heard the reports of how business will change. The refinance market is over. Sub-prime lenders are going out of business daily. Help!!!How about balance? Yes balance. When I got into the business over 12 years ago I was taught that yo...