Jayne Combs's Blog

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Mortgage and Lending - Arbor Financial - NMLS#222444 DRE#01231515
  We are very excited to announce that on the next Agent Mastermind Class, special guest Michael J. Maher, author of the book “The Seven Levels of Communication: Go From Relationships to Referrals,” will be our presenter! Michael is also known as North America’s Most Referred Real Estate Professi...
I watched an informational video by the National Mortgage Post (click here to see it) regarding terms that Realtor's use in their ads.  Some of these terms we have used for decades could now place you in a position for a potential lawsuit IF it offends someone.    Did you know "his or hers closet...
  Yes you read that right, the end of 2014…. What has to happen for you to be very happy? Have you set your 2014 Real Estate business goals? Do you have a plan in place that is going to help you reach your goals in 2014? Click here to join our webinar where..... We are going to cover How to be ve...
I recently saw a facebook post by Karen Deis where someone had just closed their last loan in their pipeline and was looking at the glass half-empty.  She enlisted the help of other loan officers who offered tons of suggestions and tips.  She had a HUGE response with some great advice! So that ha...
  Selling a home is not just about marketing and advertising. It’s not just about staging. And, it’s not just about asking about existing mortgages and liens. Here’s a short checklist that I created to help you ask some additional questions so you know what you are dealing with when it comes time...
I have received temporary guidance on underwriting policies and procedures that may be impacted by the federal government shutdown that occurred on September 30, 2013.   This guidance assumes that the shutdown will be temporary in nature.  If the government shutdown lasts for a prolonged period a...
What was the craziest request you received from one of your buyers when they were looking for a home? 
  Rules for Buying a Primary Residence Without Selling Current Home!    Rule:  Home on the market and purchasing new primary residence Q: What if the current home is NOT sold before purchasing primary residence? Must qualify with both monthly payments 6 months worth of monthly payments for BOTH h...
While I wish I could take credit for this chart, I can't and I truly don't even know where it originated.  All I know is it's viral and so why not pass it on.  It shows this year compared to last year so your clients could see how the market has improved.  Whether they are looking to buy or sell ...
Karen Deiss asked on her facebook page for lenders, what were some of the stupidest underwriting conditions you have ever had.  Here's what the top 24 answers were: Underwriter wanted “high school transcripts.” Underwriter would not allow escrow for scraping and painting condition on appraisal. I...

Jayne Combs

Mortgage Analyst and Strategist
local_phone925 326-7880
business925 326-7880
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