Welcome to Wildflour Vegan Bakery and Juice Bar!During my trip to Providence RI, I researched a healthy location to grab a snack. This bakery showed up on Zagat! And everything in the cafe is 100% vegan made. Amazing! and it also tastes Amazing!Next time you are in Rhode Island, see about stopping into the Wildflour Vegan Bakery and Juice Bar! Gluten-Free never tasted so good!  Address: 727 East Ave, Pawtucket, RI 02860 Phone:(401) 475-4718 06/18/2016

 Hard Money in Pawtucket RI.Real Simple Message Here. If you have a property or project that doesn't quite fit in with a bank but has a strong amount of equity, a private lender might be a good option for you.My office works with hard money lenders looking for the following scenario's...*Fix & Flip.*Fix & Fill.*New Construction.*Rehab. Generally there are down payments expected based on the actual project and figures. Most times, the cost of the repairs and rehab can be built right into the loan and you can draw these funds as need be. If you have a project in Pawtucket, East Providence, North Providence, Lincoln, Johnston, Cranston or Cumberland let's talk.Whatever your situation, at least hear what a private lender could offer. Jason 401-580-7612  01/19/2016

A bend in the road is not the end of the road, unless you fail to make the turn.: Author unknown Yes! The real estate market has a lot of bends for us to go through, but the road continues with those of us who do not quit! Let's keep turning down the road and help every seller and buyer we can!  05/31/2011

This new mortgage will affect every American looking to mortgage a home. And the impact will be felt by all of us. Regulators are deciding the future of down payments. For those who have minimal down payments, FHA will become the norm.  The new mortgage: QRM: Qualified Residential Mortgage has yet to be defined in detail, but, basically, it will be the new mortgage which will require a defined minimum down payment.  Some proponents are advocating as high as 30%.  If a borrower does not have this minimal down, there will be limited non-QRMs available at higher rates.  Thus, there will be an increase of mortgages at FHA, which currently offers mortgages at 3.5% down and reasonable rates.  The downfall of FHA is the 1% upfront mortgage insurance, which is financed into the loan and the mon... 02/21/2011

Title issues are rampant! Foreclosures not executed correctly, sloppy mortgage recordings, trying to determine who owns the mortgage all contribute to delays in title clearance. The solution?  It would be in everyone's BEST interest that as soon as a home is marketed, the title be searched and resolved.   This will lead to FASTER closings.   As far as the cost of doing this, the lender holding the mortgage(s) would be best served since a delay in the closing just adds to their lost interest per day by not being able to collect their payoffs.  Time is money!  The money the lender(s) lose by delays in title clearance far outweighs the cost of searching and clearing the title.  While this is being done, the property is being marketed.  So, listing agents, present the idea to the asset mana... 01/23/2011

The deficit panel is reviewing the “mortgage interest deduction”. This deduction saves homeowners $134 BILLION in taxes. By modifying the deduction over time, the government’s plan is to reduce the deficit, accordingly. But what about the homeowner impact??!! Wall Street Journal News 11/11/10 on this subject: What implication does this have on the homeowner? 1) The real estate market will further suffer! The financial benefit of owning vs. renting is the interest tax deduction. By eliminating it, or significantly modify it, will cause consumers to continue to rent. 2) Less available consumer dollars for spending. The tax deduction saves $$, thus allowing consumers to spend and GROW the economy: thus creating and maintaining jobs for all of us. The proponents of the plan say: 1) This de... 11/13/2010

100,000 points.  Sign of passion over this business? Perhaps I just love blogging? Enjoy receiving comments?   Look forward to the next client who finds me because of Active Rain? Or my intense desire to see us recover from this economic recession and see homeowner's STAY in their homes vs. suffer foreclosures or short sales?   I have blogged a lot about keeping the homeowner in their home and I am still passionate about developing a plan to do just that. In summary, I propose •1)      implementing new common sense underwriting guidelines for the loans which are eligible for refinance, but the subordinating lender refuses to subordinate or any refinance which "makes common sense" for other logical reasons.  In cases where "common sense" underwriting does not prevail, mortgage insurance ... 11/08/2010

We have seen the number of foreclosures rise to over 800,000 this year; mostly residential homes.  The number next year will be including a great deal more of commercial properties.   How will this affect our cities & towns?  What should we be on the look out for? What should the plan be for the commercial landlord whose mortgage is more than the value?  The loans are BALLOONING.  Values have fallen significantly.  Foreclosure?  Short sale? Should aggressive agents market to the commercial owner?  Is a short sale better than foreclosure on the credit report?   I say "yes". What are your thoughts?       10/20/2010

"Mistakes are part of the dues one pays for a full life." Sophia Loren (1934- ) Italian Actress   Mistakes ARE part of life.  We, hopefully, learn from them and become better once we realize the action was a mistake.  Do we regret them? Perhaps, but how can we grow and mature without them? I just hope as I live a "full life", my mistakes are minimal AND I become a stronger and better person as a result. Thank you, Sophia, for those words of wisdom! 10/02/2010

HACHI: A Dog’s tale This movie with Richard Gere is GREAT! A definite MUST see as a family movie. It is a G-rated movie filled with love and loyalty and will leave you feeling life is so special when you have love and loyalty in your life. This is a TRUE life story about a man who adopts a dog and the strong bond they develop. Warning: bring the tissue box to the couch. Definitely worth you and your family’s time to watch and to tape. Thank you Richard for taking on a movie, which should have made it to the big screen, but did not because, unfortunately, the big screen is only looking for the movies filled with killing or x-rated moments. This movie has neither. Enjoy! 09/26/2010

Am I just not getting it? Where is the COMMON SENSE? Client owes $140k on their first mortgage; $130k on their 2nd and $17k on their 3rd. They have been APPROVED for an 85% LTV (loan to value) and a 90% CLTV (combined loan to value) with FHA. We are consolidating their 1st and 2nd into one loan and subordinating the 3rd loan, which will be the new 2nd. Saving the borrowers $1000/month! We are NOT adding to the 1st mortgage: it is simply $140k+$130k=$270k. The 2nd lien position (formerly the 3rd lien) will be $17k. So, there is NO cash out. Guess what? The 3rd lien holder is unwilling to subordinate! They are now going into 2nd position, but they refuse to agree to this refinance. Why? According to their rules: they can not allow a subordination over 80%. They will be at 90%. Well, HELL... 09/22/2010

The trees that are slow to grow bear the best fruit." Moliere One client at a time; one loan at a time; one sale at a time; one open house at a time; one marketing lead at a time. It’s a step process: baby steps; sometimes a large step. But, still ONE step at a time. It’s like growing a forest one seed at a time. In this challenging market, it may take the seeds awhile to grow, but the slower growing seeds CAN result in the BEST bearing fruit! Always for your success! 09/19/2010

This season of "The Apprentice" has got it right: we are in a recession and unemployment is HIGH!  There are SO many competent people unemployed right now who NEED a job to support themselves and their family. Donald Trump has selected 20 unemployed individuals who are literally FIGHTING it out to obtain a job with Donald Trump.  It also appears they are all trying to last so that they have the most face time on the camera so others in the world will see them and with some luck, they may receive a call for a job interview.  Others from former Apprentice shows have received job offers. This should be a very interesting season and it will show the world how many GREAT, intelligent people are now unemployed due to the financial, economic crisis.  This recession has affected all walks of li... 09/16/2010

ASSUMABLE MORTGAGES FHA loans are assumable. What does this mean? When you purchase a home using the FHA program OR you refinance your home using the FHA program, when you go to sell your home, you can offer the buyer your mortgage. They can take over the existing mortgage on the property. Lenders usually require a credit review of the buyer assuming the mortgage and may charge a fee. The lender will supply the new buyer with an assumption package to review and complete for approval. The shortfall from the sale price and the assumable mortgage will need to be made up via the use of cash or a 2nd mortgage, if one can be obtained. When interest rates rise (and they will!), the homes with the low rates will be able to help raise the prices of homes. Imagine the rates at 6.5% and the selle... 09/09/2010

"Hope sees the invisible, feels the intangible, and achieves the impossible." Anonymous   When all seems lost or all seems dire, there is always HOPE.  Hope for a better tomorrow, hope for a cure, hope for success, hope for unemployed, hope for the down-trodden, ......  So do not give up: there is always hope! 09/06/2010

Be PREPARED!1. Install storm shutters and secure your garage door. 2. Make sure you have plenty of bottled water and canned food in case power goes out and you also can not make it to a supermarket. 3. Move personal possessions to the center of your home, away from windowsand doors. Elevate your belongings as much as possible in case water pools on the floor around windows and doors. 4. Remove window treatments from windows and French doors. In the event draperies cannot be removed, elevate or secure/encase the lower portion of drapes in plastic. 5. Roll up area rugs and move them to the center of your home. Elevate them if possible. 6. Place towels at the base of terrace doors. 7. Remove all patio furniture from your yard or terrace, and store it in your garage or house. Remove potted ... 09/02/2010

HUD has announced that there will be change in the UFMIP (Up-front Mortgage Insurance Premium) and monthly mortgage insurance premium (MIP).  While the mortgagee letter is not out the buzz is getting out.  The new premiums will be effective with case number assignment as of October 4, 2010.   Here are the changes: The UFMIP will drop to 1.0%: wow! The reason for the changes below is to prop up the FHA Mutual Mortgage Insurance Fund which is "running out" and needs to be "pumped" up. The monthly MIP for a 30 year fixed with maximum financing will be .90%-ouch The monthly MIP for a 30 year fixed with 5% down will be .85%     Knowledge is power! 09/01/2010

" He that is good for making excuses is seldom good for anything else. " - Benjamin Franklin - How often do you hear: •1)      This market is terrible •2)      No one is buying •3)      No one is selling •4)      Short Sales take forever Are we just excusing ourselves for not being able to close a deal?  Or do you NOT make excuses and find ways to generate more sales? 08/31/2010

"Often the difference between a successful man and a failure is not one's better abilities or ideas, but the courage that one has to bet on his ideas, to take a calculated risk and to act." Dr. Maxwell Maltz - Author of "Psycho-Cybernetics" Do you sit on the side lines?  OR Do you take action? Are you a thinker OR Are you a do-er? Do you play life safe with no risk OR Do you take calculated risk? Do you disagree with Dr. Maxwell's quote OR Do you agree with Dr. Maxwell? I believe if you answer yes to the later part of each line above, you can achieve your dreams! 08/30/2010

"Don't chase your dreams, catch them." Author Unknown   So, you want to be THE BEST realtor or the BEST loan officer or THE BEST insurance agent OR ???  You dream about it, you think about it, how do you ATTAIN IT? Start by developing a PLAN OF ACTION.  STEPS TO YOUR SUCCESS.  Step 1: Decide you will compose and complete the plan! The remaining steps are up to YOU!  I look around for role models and consult with them.  How did they rise to the top?  What were their major problems encountered along the way to impede their growth?  How did they measure their growth?  How did they adjust their plan along the way to keep on track?  What caused them the need to adjust their plan?  How did they determine their timeline?  Most plans fail because people fail to stick to the plan.  If the plan i... 08/23/2010