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Mortgage and Lending - NMLS #94045
As of 2016, Susan is no longer practicing in the USA and retains this blog as a service. Clients may call or email for a professional realtor or lender referral in Whatcom and San Juans counties
RECENT BLOG POSTS
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Online Mortgage Shopping Impacts Your FICO ScoresIf you've considered checking out an online mortgage site: think again. What the nice telemarketers and computers who take your application don't tell you is that their network may comprise multiple agents. Each may pull your credit report (separat...
06/04/2008
Manufactured and Modular Homes have come long way, baby!History LessonA Mobile Home park in the early 50's was probably a lot of fun compared to previous sub-standard housing offered to farm and factory workers. These mass produced affordable homes were a fact of life where I grew up. They meant ...
06/04/2008
Protect Your Privacy and Your Credit These days, when you discuss discuss your financial situation with a broker or banker and they pull a credit report you are opening the door to identity theft! A neat loophole in the Federal Trade commission has created new ways for consumers to be sold down r...
06/04/2008
Ever Swing a Hammer? Smart contrarians swing against trends. Given our housing market has turned, it's actually a fantastic time to build your own custom home. If you are bound and determined to build spec (not a great idea if you ask me) it would behoove you to build homes that are better design...
06/04/2008
Make 2008 the year you get in top credit form! 4 Point Plan to Credit Wellness:Most people think if they not have claimed bankruptcy or bounced checks then all is well in credit land. Unfortunately, it's not that simple. If you have let your payment schedules slip or allowed your credit account b...
06/04/2008
Loan originators have more than a full bag of tools on offer to illuminate the lending process and compete effectively with our esteemed competitors. Thank goodness we have this incentive to get better! By using the tools, we become better advisors and can demonstrate our knowledge and willingnes...
06/04/2008
Opportunity knocks: Sales prices have come closer in line to what people can actually afford to buy...in that golden moment when rates are still in the single digits. Ah summer--the smell of new mown grass and strawberry shortcake! In the Pacific NW are thinking pink about our economy ...both as ...
06/04/2008
In recent weeks, we have seen so much rate volatility that it's hard to keep up! We find our underwriters nervously reviewing appraisals with an eye toward inflation and a downturn-- but in Washington State, things are much rosier. I get a lot of calls from California lenders wanting our loans!Go...
02/29/2008
Loannetter is looking for a few good Loan Officers. If you know anyone considering the move into a self directed career...it's actually a great time for people with passion and motivation to succeed while the naysayers scurry for higher ground. 100% commissions with over 100 lenders at your beck ...
01/27/2008
The good news of the Fed Rate cut is that it really did stimulate action in the home equity and refinance world! An investment banker friend in London emailed me on Monday night to say that she was watching the market dive ...so come Tuesday I was only slightly less dazed than some of us in Mortg...
01/27/2008
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Susan Templeton

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