Mike Rankin's Blog

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Mortgage and Lending - ClearPath Mortgage Solutions, Inc. NMLS #1394615 - NMLS # 423279
RECENT BLOG POSTS
                 What To Do When Your Appraisal Comes In ShortJamie was referred to me a handful of months ago.  She was afraid that she wouldn't qualify due to her rocky credit history. She had was in the middle of "Credit Consumer Counseling" that was helping her get back on the right track fin...
06/02/2014
Getting Pushed Off The Ledge  - Forced Swimming Lessons Being an entrepreneur has always been in my blood.  My Father, Grandfather, Uncles, and Aunts have all owned their own businesses for years. The desire to be self-employed was always so appealing. Be my own boss, set my schedule, have no lim...
05/31/2014
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                         - Famous Quote from Moms everywhere!Didn't your momma every tell you that communication was everything?Again, I heard it today from a realtor: "I referred my sister to a loan officer that I used to use all of the time. They picked up the phone and told my sister that they...
05/14/2014
First Referral Given on Active Rain! One of my favorite things to do is to give out a referral! Truly it is better than getting one yourself.I received a call from a local realtor. They had a past client who was moving back to California and needed a mortgage.  They were a Veteran (if you follow ...
05/11/2014
Sometimes you have to go to the top of the Food Chain to get things done!Dave's loan was almost closed.  The only thing that the underwriter still needed was for the appraiser to re-inspect the home to show that the FHA required "deferred maintenance" was rectified. Dave had just finished having ...
05/09/2014
There aren't enough hours in the day...People have been saying that phrase forever…in different languages, of course, all throughout the centuries. But, we have also been proving it wrong. Everyday we wake up and live another day.  Thank God for the sun and the moon, the night and the day, that f...
05/07/2014
VA IRRRL - VA to VA RefinanceHave you heard of the VA IRRRL (Interest Rate Reduction Refinance Loan)?This is THE BEST loan for refinancing, by far! The only requirement is that you have a VA loan right now.  The VA IRRL allows you to refinance that current VA loan into a new VA loan at a lower in...
05/04/2014
Does it make sense to refinance from 4.75% to 4.25%? That's a good question. It's a no brainer if you are going from an FHA loan with mortgage insurance to a VA loan with no mortgage insurance and the loan size is large enough. For example, Don was a disabled veteran in Long Island who was referr...
05/01/2014
Overcoming Anxiety, Fear, and Worry in the work day. If you're in the Real Estate industry or just plain human then you have probably faced one of life's enemies: Anxiety, Fear, and Worry. I think I have personally had more of a propensity towards anxiety and worry because I tend to be a control ...
04/21/2014
Legacy Title One Day I was sitting in a networking meeting and this gal began to talk about Title Insurance and her company. I was already working with a few title companies that I was satisfied with so I didn't give much thought to changing who I was using. What I came to find out was that this ...
04/09/2014
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Mike Rankin

Mortgage Consultant
smartphone518-380-4726
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