Sudden Credit Surprises

 

January arrives every year and brings with it some credit challenges for those who may have over indulged on their purchasing in December. Record online sales and spending on holiday gifts are nice, but may bring about a few “Sudden Credit Surprises” for your clients. Here are a few...

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No Guessing Required

covid only facts Jan 07, 2021
 

If 2020 was a challenging year for all of us, 2021 is certainly starting out with a lot of activity. Purchase activity, refinance activity, COVID activity, vaccination activity, political activity, and quite a bit of activity in the bond market!

The purchase and refinance activity is pretty much...

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Happy New Year!

 

First, let me wish all of you a very Happy New Year! 2020 has been rewarding for the mortgage industry, despite many challenges. The market doesn’t appear to be slowing down at all as we approach 2021 and the busiest listing period of the year and millions of loans that would still benefit...

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Merry Christmas 2020!

Uncategorized Dec 24, 2020
 

It’s Christmas Eve 2020 and I am sure you all have many things to take care of today so I will keep this message short and to the point.

First, I would like to thank all of you for reading, watching, sharing, and commenting on these posts; without you, there would be no need for this.

Next,...

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Twas the week before Christmas!

Uncategorized Dec 17, 2020
 

                  Twas the week before Christmas,

                  And despite what the media has said;

...

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It's about more than just luck!

 

2020 has been a year unlike any other. While we began the year with lower rates, COVID-19 quickly took the spotlight. Despite shutdowns and layoffs, refinances boomed and the purchase market kept everyone moving. We have not been at a loss for opportunities with rates more than 1% lower than this...

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Focus on your people!

#end of the year Dec 02, 2020
 

I hope everyone had a safe and Happy Thanksgiving last week. This week we need to talk about December and the fact that we need to really focus on our people. Our clients, our teams, our support staff, and most of all our families all require our attention. The steps are pretty simple:

  • Every...
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Closing out 2020

 

2020 has presented more than its share of challenges for our industry, our country, and our families. While we in the mortgage and real estate industries have had recorded setting years, many people that surround us have set the kinds of records nobody wanted to achieve. Unemployment, business...

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Consumers are already asking!

 

The election last week has created a number of issues and challenges for the housing and mortgage market. The additional information about a vaccine that is 90%+ effective against COVID-19 has also created a good deal of activity. The important things about these developments are to remain...

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Price Adjustment or refi tax?

refi tax Nov 05, 2020
 

As we close in on December many of us are already dealing with the fifty basis point cost being added to refinances. Call it whatever you like, this cost is real and it does show up. Many clients don’t understand why refinances are more costly than the same purchase loan, but they are. Each...

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