Tony D. Howell's (tonydhowell) Blog

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I was surfing around on MySpace the other day and ran across this guy.  Quite a character, I must say!  I think he's got what it takes to succeed in the real estate business.  But watch the video and judge for yourselves.  He describes this clip as, "Looking for Bagels, Cream Cheese and a Home? T...
05/09/2007
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I found this bit of useless information and thought I would post it here for you guys to see.  You may have seen this before but I figured, what the heck??  Have a great day! At Three minutes and Four seconds after 2 AM on the 6th of May This year, the time and date will be 02:03:04 05/06/07.This...
05/03/2007
This is a very interesting piece to read, will take all of 2 minutes andwell worth it and will also cause you to do some very serious thinking.House 1:The four-bedroom home was planned so that "every room has a relationshipwith something in the landscape that's different from the room next door.E...
05/01/2007
Well as we all know, MANY of the sub-prime lenders now out of the game.  Even with that being the case, there are several options out there for credit challenged borrowers.  Most conventional lenders have what is called a "Home Possible" or "Home Opportunities" programs available with more lenien...
05/01/2007
If you guys haven't seen this one, you definitely have to check this one out!http://www.lenderimplode.com/As it turns out, The death count is at 52 lenders who have fallen.  There are more expected.  Stay tuned to the latest updates on the ones who are flailing too.  I love this site!  Happy lend...
04/11/2007
  As a subplot to the entire mortgage drama, two feuds recently emerged or more accurately re-emerged among some major mortgage players.First, in testimony before the Senate Banking, Housing, and Urban Affairs Committee, North Carolina Commissioner of Banks, Joseph A. Smith, Jr. representing the ...
04/10/2007
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Well, I thought I'd post something that all my fellow loan officers might get a kick out of.  We all know about the recent barrage of sub-prime lenders going belly up and that makes this cartoon just a bit more realistic.  Sadly, it wasn't this way even as recently as 6 months ago.  *sigh*  Imagi...
04/10/2007
I recently had a friend come to me about a program some "guy" was trying to sell him.  It promised to help pay off his 30 year mortgage in as little as 10-13 years.  He was very skeptical and so was I.  The basic concept was that you get a home equity line of credit, pull a chunk out and pay down...
01/26/2007
The Truth About Credit RepairHow many times have you seen an advertisement for credit repair?  Countless times, I'm sure.  They all make promises of erasing bad credit with guaranteed results.  Well, as the old saying goes...if it sounds too good to be true, it probably is.  I chose to write abou...
01/23/2007
Are two mortgages better than one?People usually ask me this when considering a no-money-down purchase.  What I'm talking about today is commonly referred to as a "piggyback" loan or an 80/20.  There are many different opinions on this subject.  One of the biggest parts of my job is educating peo...
01/23/2007
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