STRENGTH 2008-10-14 18:04:42 These Words Come To Mind
• Character Attribute
• Virtue
• Fortitude
In today's environment only the tough will survive. Having sheer determination, "strength", and even prayer will help to guide us to know what to do and how to do it.
I remember growing up how I wished time would come to an end. Today though I do not seem to have en
Declining Values---Tax Reassessment? 2008-10-13 11:08:01 Local municipalities seem to want your money and just will not let it go.
With the shrinking economy how many people have considered property reassessments for their now "devalued properties"? Government officials will not automatically "write down" the assessed value for your home. As the economy continues to shift this is ever more apparent.
As a property owner or potential proper Read more:Values
Town of Margaret Alabama Friendship Festival 2008-10-13 09:57:51
Join the community for fellowship and make new friends.
Come out and join everyone Saturday, October 18, 2008 from 11 AM to 5 PM.
Festival
Advertisement Sponsors
Lovejoy Realty www.lovejoyrealty.com
NuBath Alabama
www.mynubath.com
Bowlings Barbeque Odenville, Alabama 35120
Four Star Realty 100 Four Star Lane, Odenville, Alabama 35120 www.4starrealty.net
Town of Margaret
, Alaba Read more:Friendship
What I Want Is What I Get---WIWIWIG 2008-10-08 14:18:25 WIWIWIG---What I Want Is What I Get!
If only life were this simple.
As a child we pout and more often than not our parents oblige and give in. Today, many "better standing" borrower's believe that they can have "mortgage's their way" as well. After all, they have money, resources, and why do you (the loan officer, underwriter, and down the road--the mortgage company) need to know
Home Sellers--10 Tips to Help Survive Tough Times 2008-10-06 16:19:07 www.stclairlender.blogspot.com
Many of us have to move either by marriage, death, divorce, or job transfer. However, now is more often than not the right time to even consider having to doing so. Tides are still turning with lower values throughout the U.S. Further, most people are scared to think about tomorrow much less the thought of looking for a new home especially with the price of everyday Read more:Sellers
, Times
, Tough
Credit Cards--The Good, The Bad, The Ugly 2008-10-02 12:06:46 Thursday, October 2, 2008
Credit Cards
--"The Good, The Bad, The Ugly"
Credit cards maybe about to become a better product for the average American consumer. Typically, if one paid even a day late guess what a consequential "rate hike" occurred. Also, should one carry a higher balance then "those good ole boy's" tended to jack our rates up even more while lowering the limits in the process. Read more:Credit Cards
Debts Our Children May Have to Pay! 2008-09-24 17:32:52 Wednesday, September 24, 2008
See Full article at www.stclairlender.blogspot.com
STOP THE Bleeding!
The U.S. Government is trying to save the financial sectors but at what cost? ... The plan entails purchasing troubled assets from financial firms at a price based on the expected value over the life of the asset. This should pump additional cash into the financial sector enabling them Read more:Children
, Debts
Credit Perception 2008-09-19 12:41:46 How can this be?
Credit is a mystery. Not really but how you view it maybe and how the credit bureaus rate is often quite different.
Fair mortgage credit now would basically be considered limited to no credit and possibly a 580 or above score. Average mortgage credit, on the other hand, would be a 620 or above. How credit scoring systems currently work one can even have over a 700 credit score wit Read more:Perception
102% Financing with NO MI 2008-08-20 16:43:42 Fortunuately, for the average consumer, we still have 100% mortgage financing. As down payment assistance programs become non-existent it will be quite interesting to see what plays out within the next year to year-and-a-half. People are often amazed at what is asked and now required from them to obtain mortgage financing.
Thankfully, and as mentioned above, I have programs to fit most o Read more:Financing
Points-they matter 2008-11-03 15:08:41 Points or "buying down" the rate is becoming more typical than before. Guidelines have constricted and the cost of borrowing money for even the best of customer's has increased.
Typically, one point is equivalent to 1% of the loan amount. Lets exemplify this and we will assume that a borrower is putting 10% down on a $200,000 home. Their credit falls into the average category now fo Read more:matter
, Points
And You Are Contacting Me for What? 2008-11-03 13:55:21 Personally, I am not always contacting you to ask you for your business. I maybe representing one of your clients, or I may even be calling you about a community event and asking you to participate. Regardless of the reason, each call or email from me, a loan officer, should not make you cringe in fear as if you are being attacked by an alien.
In this business I highly su
What You Pay, Rates, and Election Years 2008-10-31 16:19:10 This week we are ending and about to begin a new era as a new president will be elected Tuesday, November 4, 2008. As talk continues about how bad the economy is one thing remains--people need money!
In 1976, the year of the Bicentennial Celebration, mortgage rates averaged a whopping 8.87% for the year for a thirty year fixed rate mortgage (www.freddiemac.com). It was an era of new optimism, a ne Read more:Election
, Rates
, Years
Is Technology Your Friend or Your Enemy? 2008-10-29 15:33:40 Wednesday, October 29, 2008
Image by pouwerkerk via Flickr Green advertising--Do you cringe in terror or embrace the changes?
In college, my Information Services instructor thought that it was better for us to "learn by error" than to actually learn what and how to do basic functions utilizing computers and Office products. I will give him credit though for having had triplets a few weeks prior. Read more:Enemy
, Technology
Attractions in Central Alabama 2008-10-23 20:32:07 Thursday, October 23, 2008
Attractions
in CentralAlabama
Image by Southernpixel via Flickr Things to do in Central Alabama The central Alabama area is filled with many trees, roads, and windows of opportunity for visitors and residents alike. As I live in the Birmingham metro area I am writing some brief information about attractions in the area.
Bass Pro Shops Leeds, Alabama (off exit 14
Green Bean Roll-ups 2008-11-22 19:40:07 An odd combination but well worth the wait. Green
Beans rolled up in seared bacon-yum.
This has been a hit and can be quite versatile during the holidays or company gatherings.
GREEN BEAN ROLL-UPS
1 Can Green Beans
1 16 oz package bacon
1 small bottle french dressing
Open green beans and drain. Next open bacon package and split strips down the center. Take a half strip of bacon and roll up 3-5 gr
Getting To Know Me-A Christmas MeMe 2008-11-20 13:24:27 A Christmas
MeMe-oh my (ARE You IMMUNE?)
Yet another MeMe. Okay, here's what you're supposed to do, and try not to be a SCROOGE!!! Change all the answers so that they apply to you.
1. Wrapping paper or gift bags? This depends on how tired I am.
2. Real tree or Artificial? Artificial, they leave nothing to pick up and you do not have to wor
The Real Victims of this Mess 2008-11-19 17:53:01 Look in the mirror! Now, What do you see?
Whether you want to admit it or not you can even see it in your child's face! 2008 can and most definitely will be one for the record books.
We have had
Gas prices at all time highs
Layoffs
Bank failures
Stock Market rollercoaster rides
Automakers Read more:Victims
EASTERN AREA CARAVAN CHARITY TAILGATE PARTY! 2008-11-19 15:37:28 Thursday, November 20, 2008 Come out and help celebrate sports rivalry at its best in Alabama from 11:00 am to 2:30 pm
Watch as Waynes Environmental as Team Auburn cooks off against Trussville Utilities as Team Alabama. The event supports two great causes--T.E.A.M. and VOCAL or Victims Of Crime and Leniency.
T.E.A.M. provides services to meet the spiritual and physical needs of ind
Tag I'm It- The Bookworm MeMe Got Me 2008-11-18 12:30:20 I really did not want to do this but a comrade in Tennessee got me this morning. I am just learning about this concept but you can read all about his here. And this all started at MY FUNNY DAD, HARRY.
The concept is quite simple. Here is how it works.
1. Grab the nearest book.2. Open the book to page 56.3. Find the fifth sentence.4. Post the text of the next two to five sentences.5. Don'
A Show of What's to Come 2008-11-12 18:18:17 Breaking News courtesy of Al.com Updated: Birmingham sues mortgage lenders, cites predatory practices.
As they say---it can only happen here, in America, and unfortunately Birmingham, Alabama.
Taken from above
Birmingham is suing Regions Bank, Wells Fargo, Countrywide Bank and others, contending the banks violated the Fair Housing Act by participating in predatory lending practices.
The suit claim
I Am Personally Liable! Loan Officer Liability Versus Company 2008-11-12 17:50:59 I am personally liable. Again, I am personally liable as a loan officer. It used to be that one screwed up, they may or may not have been caught, either quit or got fired, and then moved onto the next company or even country, with their same old ways, and leaving the company holding the bag.
GONE!!! .......................................
We all make mistakes and no one can claim to be p Read more:Liability
I May Not Be Able to Finance That! 2008-11-11 13:14:35 We all run into them---the dreaded unique property. This is One that Only One in a Million Loves and Will Ever Buy.
I basically ask some brief questions upon getting started with potential clients and figure out what may work best for them in their situation.
Signs that realtors and loan officers should beware of:
"It was once a bus.... we just put it up on pilings and it is
Financing Improvements on REO/Foreclosed Properties 2008-11-07 16:31:16 Today's potential new home owner's often have obstacles to financing "homes in need of repair". As guidelines have tightened underwriters review everything.
An option for foreclosed homes and for people looking to refinance is the FHA Limited Repair Streamline 203K Program. This program allows for either the purchase of or the refinance of properties in need of limited repairs--all in one lo Read more:Financing
, Properties
My Christmas Wish For All 2008-12-25 11:27:32 Merry Christmas
to all first and foremost.
2008 has been a trying year for our country. May God bless us and guide us into the New Year.
My 2008 Christmas Wish
I have several actually, snow would be great.
However, as one knows in Alabama snow is a rarity. Only with unknown exceptions does it make an appearance.
My first wish is for unconditional joy, harmony, and peace of mi
FILL UP THE CANS 2008-12-07 20:26:37 News Flash...Looks like it is going to be a bumpier ride complicating home values even more.
If you believe all that we are hearing--Be ready to "Get out your cans."
Are you ready to hold out your tin can?
Reading articles one can hardly wonder what 2009 will be like, let alone the years to come. Due to the state of the economy now conforming mortgages are also becoming delinquent
Hot Hoagie--Quick, Toasty, and Good 2008-12-04 13:48:03 This is yet another quick recipe to use this holiday season.
My mother picked this up working for a neighbor many years ago.
1 loaf french bread
1 cup mayonnaise
1 cup sour cream (can be light)
1 small onion chopped or either 1/2 bottle of chopped dried onion
1 tsp garlic powder
1 tsp parsley
1 large can of meat of your choice (ham, chicken, or turkey). I prefer ham or chicken.
1 pack of sh Read more:Quick
Sometimes You Gotta Eat Crow--Six Useless Things About MeMe 2008-12-03 19:33:29 A couple of days ago I got tagged to do this but I have been under the weather a bit and not up to blogging nor anything for that matter.
So here you go Danny Thornton.
1) I hate to stay up late. When I was younger I could go with very little sleep and for years would get by on about 5 hours of sleep. Now though, if it is 10 o'clock I am likely to be in the bed and asleep already.
2) I hate Read more:Sometimes
, Gotta
Succeed & Grow Rich, Tag I'm It- The Bookworm MeMe Got Me 2008-11-18 12:30:20 I really did not want to do this but a comrade in Tennessee got me this morning. I am just learning about this concept but you can read all about his here. And this all started at MY FUNNY DAD, HARRY.
The concept is quite simple. Here is how it works.
1. Grab the nearest book.2. Open the book to page 56.3. Find the fifth sentence.4. Post the text of the next two to five sentences.5. Don'
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