Meleny Ramos's (meleny) Blog

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Mortgage and Lending - Working Mortgages
RECENT BLOG POSTS
We are listening to the music and seeing all the decorations out.  The sales have begun.  There is not much time to sit with a good book and a cup of coffee.  Are we ready?  Most of us would say no.  There is plenty of time yet.  But is there really?  It isn't just one day any more.  We have busi...
11/28/2006
I have recently been reading a self help book.  In the book he talks about when opportunities come along how people will let it pass by just because they are scared to take a step.  That leads me to tell you this story.  My client had an opportunity to purchase the home he was living in at no cos...
11/17/2006
One of my favorite movies is Major Payne.  I like the one liners.  When you see ads on television or hear them on the radio they try to get you to relate to something.  I don't know about you, I want people to relate to me as doing mortgages.  We often talk about everything with each other yet we...
11/15/2006
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We always seem to be worried about who is my friend, how many friends do I have, or why won't they be my friend.  My biggest downfall in this business is friendship.  I love people and am always looking to help people or make them happy.  I don't take the time to invest in a deep friendship.  My ...
11/13/2006
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We have all been talking about voting today.  My question to myself is, did I do my homework to properly vote for the right people?  I have no right to say anything about anyone in office if I didn't vote.  Voting in my home is a very important opportunity to have a voice.  I mentioned to another...
11/07/2006
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Have you ever asked someone what they think their house is worth?  Sometimes the response is amazing.  What they think and what the appraiser thinks is two different amounts.  How do you get that person understand why without being offensive?  We have become so touchy with just about everything. ...
11/02/2006
We have learned growing up the your mother knows best.  It didn't matter what the subject was, she could always do or say the right thing.  Later in life you found out that most of the time she was winging it.  We sometimes do that with our clients.  We look at their credit report and their scene...
10/24/2006
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Have you ever sold a deal and the next day you have a spouse calling you yelling? Even though I send out good faith estimates they try to tell you that they don't understand or that you possibly didn't tell them something that you told their wife or husband.  Of course, the first thing you want t...
10/23/2006
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I think we all can say that what we do for a living can be exciting.  You don't know from day to day what issue is going to come up and how are you going to solve it.  Being linked to others who do the same is great for me.  It gives me a chance to learn and be reminded of things.  Sometimes I ne...
10/23/2006
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We have all had clients from time to time that don't qualify to purchase a home.  Most times they are told they can't purchase now and no one takes the time to show them what it will take to change that fact.  Often times it is a matter of sitting with someone and their credit and going over the ...
10/20/2006
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Meleny Ramos

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