Banks, Those Dirty SOB’s
Another round of swindling the government and consumer’s money. Another form of the modern-day carpetbaggers. This is the second case I have seen in just a few months and I expect to see more coming out soon.
What I am talking about is this. Continue reading
Putting Up the Good Fight
I know my family listens, but I often wondered how many others really listen to me when I am retelling stories from my days in the Marine Corps. I have never seen anyone roll their eyes or even get bored when I repeat the same stories. So are they just listening to be respectful or are they tuning into the lessons that maybe within them.
I work with people from all different walks of life. People may come in with Continue reading
What Are You Waiting For?
In 2006 – 2007 we saw the highest housing prices and sales on record. Why with today’s housing prices – still on average less than 65% of those homes values – and with today interest rates more than 2% less than during that time frame are most still not buying in today’s market.
Really – What Are You Waiting For?
Has our attitude towards home ownership diminished? Continue reading
Why Are You Buying With Cash
I am baffled by the numbers that show that people are still purchasing homes with cash in today’s market. The numbers in Southwest Florida still continue to be that more than 62% of home purchases are made with cash. (stats are from Mid-Florida Regional MLS)
Now I want to start off by stating in my humbled opinion, that a person should never refinance their primary residence to max out cash to purchase another property. Always protect Continue reading
I have worked with a lot of people in the mortgage industry with different credit scores. I have worked to help many people from all different walks of life to get into a new home. Some have been extremely grateful while others complained through every step of the process. While we are all different in nature, we are supposed to treat everyone the same.
So why are some people happy while others seem to always be upset. I have thought about this many times and it’s very easy to think it’s about the money. Whoever has more is happier, right? Not really, Continue reading
Out of control
What are you talking about? Who are they? Where did they get my information? How can they do that? This is all out of control!
We still hear this all too often how many people’s information miraculously appears in the hands of collection companies without their knowledge.
The worst offender is the Continue reading
Being a Responsive Consumer
Our office is structured so that all calls or emails get returned by the end of the business day. The office is set up with coverage from 8:30am until 7pm and we also have staff on call after hours and on the weekends. We know how important it is for the consumer as well as the Realtors to have access to us. We understand the importance of the time frames in your purchase and sales agreements. We only wish you did too.
In order for you as a buyer and your Realtor to be competitive in the market it’s important to Continue reading
Born to rent
For many years, I have worked really hard to try in get as many people in to a home as possible. Many obstacles need to be overcome. The right home needs to be found or built, the right school area, the proximity to jobs, the right number of bedrooms, the right home owners insurance policy, down payment and grant moneys were needed, debt to income ratios needed to be met, credit reports needed fixing and money needed to be saved.
Getting into a home is hard work for all involved, it’s something one has to earn as it’s not given away freely. The concept of grant money, down payment assistance and first time home buyer programs are so broadly misunderstood.
These programs often require the potential borrower to take a credit class, in some cases costing $200 or more, and then only to find Continue reading
I have always loved animals wild or domestic. I watched for years how animals behave. For all my life, we always had a dog in our home. I spent many days in the woods, mountains, and swamps hiking, fishing or hunting. I realized that the more time I spend in the woods, the more likely I was going to see the different wild life. The more disciplined and behaved I was the more I had the chance to see different animals behave.
Being outdoors is my best escape for the business I spend most of my time doing. But there have been times I have wondered, ‘If I was to give a mortgage loan to an animal, which one would be the most responsible?’
Would it be a squirrel? Continue reading
Still Don’t Trust Them
Way back in the day when I was a very young kid in school there was a big drive for kids to save money at the local banks. This initiative had two purposes;
The first was to restore confidence of the communities back in to the banks.
The second part of that initiative was Continue reading