I Didn’t Think

I Didn’t Think

It’s a tough thing to understand when you’re not working in the mortgage world. Most home buyers only experience a purchase or refinance every 4 to 7 years. Every year the rules change a little along the way but in reality, the basics remain the same.

The basics are the simple stuff which include your  Continue reading

It’s Just Sneaky

It’s Just Sneaky

Do you remember when you were a kid and you did a paper or drawing at school and when you got home, your mother would put it on the refrigerator for all your family and friends to see. There is no doubt your mom was proud of you and she wanted the world to know that. She maybe wanted to encourage you to continue to do good work. Maybe the deeper meaning was to teach you as you grew older that if your work was always good enough you should put your name on it for everyone to see.

I know many of us receive letters or postcards in the mail. The mail looks like a check or a notice from your mortgage lender, but Continue reading

DIY Mortgages

DIY Mortgages

“Do It Yourself” mortgage loans? Nope I don’t think so. They are almost in existence. Today it’s easy to find places on line to apply on line. Even my business website even has an “Apply Now” button. But what is the difference between  applying on line and completing a full loan approval on line without ever talking to someone.

I remember as a kid my Grandfather complaining about all the stupid people who were purchasing stuff from the “Sears Catalogue”. He would say why don’t you just go down to the store. See what you’re actually going to buy. Check out and verify the Continue reading

Putting Up the Good Fight

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?

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

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

Credit Success

Credit Success

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

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

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