Explore Pawtucket, RI

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 6
"Make each day useful and cheerful and prove that you know the worth of time by employing it well. Then youth will be happy, old age without regret, and life a beautiful success." Louisa May Alcott (1832-1888), Author     Do YOU make each day useful?  Or do you spend time thinking about what you ...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 1
"I have had dreams, and I have had nightmares. I overcame the nightmares because of my dreams." Dr. Jonas Salk   The real estate industry has its nightmares, but when the dream closings and the dream clients come along, how quickly we forget about the nightmares! Have a GREAT day!   Ann M. Sabbag...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 2
Breast cancer is a leading cause of death for women (and men also suffer from this terrible disease). This Saturday, I will be walking for a cure.  My mother and my mother-in-law are just two women who have been afflicted by this disease.  I am sure all of you know someone who has been affected b...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 3
  DO YOU KNOW IF YOU SAVED ENOUGH/ARE SAVING ENOUGH FOR RETIREMENT? If the answer is "no", you should find out NOW so you know what you need to do to accomplish retirement.  There are many websites you can use to help you calculate YOUR retirement requirement.  Here is one from Bank of America th...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 4
"Climbing is not about conquering the rock; it is about conquering yourself."   Sometimes we get in our own way when a challenge is presented to us.  It may be our stubbornness or our pride or our own personal convictions.  We need to step out of the box and watch ourselves as if we were in a mov...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 4
"The life of man is like a game with dice; if you don't get the throw you want, you must show your skill in making the best of the throw you get." Terence   So, let's put this into an example: As a listing agent, you have been listing many homes in excellent/good shape.  One day, you are asked to...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 5
"You are a courageous soul who recognizes that whatever you face will become the wings with which to fly."   We all face challenges during the day, a curve or two in the road, especially in a difficult real estate market such as this!  Our challenges should strengthen us and compel us to move for...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 0
"I have found that the greatest help in meeting any problem with decency and self-respect and whatever courage is demanded, is to know where you yourself stand. That is, to have in words what you believe and are acting from." William Faulkner (1897-1962) American Writer     So, do you face a prob...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 5
"Class is an aura of confidence that is being sure without being cocky. Class has nothing to do with money. Class never runs scared. It is self-discipline and self-knowledge. It's the sure footedness that comes with having proved you can meet life." Ann Landers, born 1918   How TRUE this is! Clas...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 3
"Yes, there are times when something is legitimately not our fault. Blaming others, however, keeps us in a stuck state and is ultimately rough on our own self-esteem." Eric Allenbaugh - Author of "Wake-Up Calls"   So, when was the last time you said: It was the loan officer's fault!" OR "It was t...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 2
Remember the Nehemiah loan?  It was the grant loan which FHA allowed.  We were able to add the down payment to the sale price, which ultimately was added to the loan amount.  For example, a $200,000 purchase would sell at $206,185.  The extra $6185 was the 3% down payment which was required by FH...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 3
"Circumstances may cause interruptions and delays, but never lose sight of your goal.  Prepare yourself in every way you can by increasing your knowledge and adding to your experience so that you can make the most of opportunity when it occurs." Mario Andretti Auto Racer   So, TRUE, Mario!  The m...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 8
"Write in your heart that every day is the best day of the year." Ralph Waldo Emerson (1803-1882).   Yes, times are difficult in the real estate industry.  But a POSITIVE attitude and knowing that every day is a blessing and will be the BEST day of the year will make life happen for you and for o...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 10
"The less you speak the more you are listened to."   I hear often in this industry: "my mortgage lender did not listen to what I wanted or my realtor is showing me homes I have no interest in"   By listening to our clients needs, we will be able to better meet those needs.   Pure and simple!   Le...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 1
"I have always struggled to achieve excellence. One thing that cycling has taught me is that if you can achieve something without a struggle it's not going to be satisfying." Greg LeMond - Cyclist, 3 Times Winner of the Tour de France   Well, we all know real estate can be a struggle during these...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 5
I feel like the world is a different place...yet again!  Taylor Bean & Whitaker: the 3rd largest FHA lender in the nation has closed its doors today due to a mistake by the "powers to be" in upper management.  SO, many jobs were lost today along with many homeowners who had their loans in process...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 6
Ugggh...ohhh...."Brick and Mortar" banks part of our past????   Please read this article:   http://money.cnn.com/2009/07/28/news/companies/BAC_branch_closures/index.htm   Basically the article states due to "online and mobile services: Bank of America is closing 10% of its branches.  Well, this t...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 3
Real estate can be like a game of cards.  Each deal is a separate hand of cards and a different game.  How you play each hand and game will determine the success of that transaction.  Play it well and the buyer and seller will be smiling at the closing table!    So, even when you are dealing with...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 2
  Loan modifications are creating a BIG question: HOW WILL MY CREDIT BE IMPACTED?  Many different answers.  This is my attempt to simplify the answer.  Check out this site:    http://myloanmodificationcenter.com/blog/how-does-a-loan-modification-affect-your-credit/  and:  http://savemefromforeclo...

By Ann Sabbagh, President, Sr. Loan Officer
(Seacoast Mortgage Corporation, RI (20021119LB & 20031576LL), MA (MC2107) & CT)
Comments 6
It is so true, we all have to be careful what we say and do throughout life.  In the real estate industry, what we say to our sellers and buyers are taken more literally now than ever before.  People are in financial crisis. This is the worst financial crisis since the Great Depression.  The elde...

Pawtucket, RI Real Estate Professionals