How Credit and Financial Literacy Matter!

credit score Apr 30, 2020
 

Credit has always been a significant factor in the home ownership process. Recent events have put that under a microscope and we must take notice of what it all means.

The shock to the mortgage industry and many of the programs, pricing, and support services have made credit and credit risk...

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The Power of the Plan!

 

We are going into the second full month of coronavirus 2020 and never has there been a more important time to be sure your plan is in place and you are adjusting as your market conditions guide the way. Not all markets are the same, restrictions and personal beliefs vary widely, the importance of...

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Positive Connections = Positive Results

positive connections Apr 16, 2020
 

As we all share this common experience dealing with coronavirus and how the markets are impacted by it; it would be very easy to fall into the trap of negativity. With so many people’s lives being changed, with so much uncertainty, it is easy to see how this can happen. My message this week...

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Present Positive Information!

 

We can only take so much bad news and negativity. We are all up to our necks with information overload, and most of that information is FALSE or purely negative! Just yesterday I was told by one of my clients that a “Realtor” in their market were telling people to take...

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Forbearance is NOT Forgiveness!

 

If there already wasn’t enough on our plates, a new pile of nonsense is being thrown our way. Many in the media and so called “experts” are telling people to simply call their lenders and go into forbearance on their mortgage loans. Some of these “experts” are...

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Five Things You Can Do NOW!

 

As mortgage professionals, we are used to change and adapting. Clearly those skills come in pretty handy right about now and are an important asset for our family, friends, and in our professional lives. With that in mind, I wanted to share the five things I am talking to my clients about this...

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Create The Calm

#corona virus create calm Mar 19, 2020
 

We have more than enough fear mongering going on for a lifetime. I just wanted to publish a post that was positive and constructive. As a mortgage community we are blessed to be adaptable. Rate changes, product and program changes, guideline changes, and people we come in contact doing some...

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Managing The Stress Of Volume & Volatility!

 

Stock & Bond Markets volatility, disconnect between traditional measures causing huge swings almost minute to minute, coronavirus, capacity issues, the political bias on reporting the “news”, and clients struggling to understand why the rates they are seeing may not connect with...

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Against Newton's Law!

 

The markets are shaped by perception and emotion much more than the facts and the truth. Actions and reactions are not always as Newton said, not equal and clearly not opposite!

We have a ton of information to try and process and stories to prove and disprove as to why things are happening....

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If Not Now, When!

 

The question needs to be asked, “if not now, when?” Purchase activity is up, mortgage rates are at all-time lows, and millions have rates above 4% or have FHA loans with permanent MI that can easily be moved into a conforming loan.

Thousands more people would happily sell their homes...

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