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Say No to Westbow....
I have to tell you that I don't get disappointed easily in life. I rarely rant either. But, I do have to say that Westbow Press has been less than stellar in delivering what they said that they...
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Sometimes....no matter what...Homebuying Can Be Stressful
We just closed a client this past week. The clients were people, albeit first time homebuyers. They got pre-approved for a certain loan amount, and the loan officer told them what they needed to do...
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Where have you been Joe DiMaggio
What a quote!!!! I hate when someone says...."where have you been?" Times change and so do people and cirucmstances and situations. I was all in for my first 800,000 points....being #1 in Illinois...
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Credit Inquiries DO MATTER!!!!!!
I wrote a post about credit scoring entitled What You Need to Know About Credit Scoring. There were 5 variables that affect the credit score of the borrower. Needless to say, I really think that while...
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Veteran's - THANK YOU FOR SERVING OUR COUNTRY!!!!!
My dad served in the military during Viet Nam. My Grandpa Bettag in World War II. I know my dad didn't see any combat, but his experience in the military was so bad that he forbid us to go to the local...
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Why FHA Is STILL RELEVANT
There are many things that people should know about FHA loans. They're great for a variety of reasons, but I'm going to give you my list of favorite reasons for considering and FHA mortgage.First time...
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WHY NOT TAKE TITLE IN TRUST???
As an attorney and as a lender I've seen more and more people buying and selling in trust. A trust is a great way to own property. It affords ownership, while protecting the individual in many...
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Our Government has Caused Mortgage Rates to Rise Permanently
Just last year we had rates in the low threes. Now we sit with rates in the mid 4's with the 5's just looming over the fence. Not that any rate below even 7 is bad, but the truth is a lot of it has...
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YOU CAN'T FAKE CARING
YOU EITHER CARE OR YOU DON'T TWO STORIES: It's Thursday night and I'm watching my 12 year old in his basketball game. He is doing well and the phone rings. I get a call from a client who wants to...
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Why Inquiries Matter To You and Your Credit
Recently I wrote a post about credit scoring entitled What You Need to Know About Credit Scoring. There were 5 variables that affect the credit score of the borrower. Needless to say, I really think...
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Big Banks Don't Just Do Mortgages....and That's EXACTLY The Problem!!!
As a Wells Fargo Alumni I really want them to do well. I have a lot of my retirement invested in that company. But I am really liking the big banks recently. It seems to me that I get plent of...
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Routine is Half of the Battle with Active Rain
I said that I was back in the game, but I wasn't. There were two primary reasons. First, and most importantly, I have just accomplished a major goal of mine in getting published. The book, No Rewind,...
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IT'S NOT YOU, ACTIVE RAIN....IT'S MY FAULT.....REALLY
So....getting back to the nightly routine was half of the battle, but being back in the routine has paid dividends immediately. Just this past week I recevied two referrals as result of Active Rain....
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FHA'S BEST KEPT SECRET - BACK TO WORK
This year we have already closed two FHA BACK TO WORK LOANS that other lenders couldn't do. The realtors LOVED US. Both files were with other mortgage companies for quite some time. One for 4 weeks...
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Speechless Sundays - Crocodile Tears
So we did the UNTHINKABLE..... We had a Catholic Brother stay at our house for the weekend during the largest vocation calling in North America. We had a young guy who is from Brazil stay with us. He...
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Domestic Abuse is an Affirmative Defense for Terminating a Lease
I wasn't aware of this in Illinois. Even as an attorney. But as the world spins and we continue to learn, under the Illinois Annotated Statutes, a person can vacate a lease without recourse if:the...
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When it Comes to Jumbo Loans....
There are some pretty awesome options. Just this past week we approved a Jumbo Loan with only 10% down payment. Most Jumbo lenders want 30%, but most have options for as little as 20% down. The...
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Don't Ask "How Far Along Are You?" to a Woman at a Closing!
I'm at this closing feeling AWESOME! Slick closing. Great buyers and great sellers. I represent the seller at their attorney. The buyer comes in and mom is all big and smily. She's wearing her...
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When the URGENT Blocks What's IMPORTANT
So...I'm sitting here thinking of all of my vision for this year and for my life. It all is centered around a well thought out and well planned out vision. But, en route.... My business becomes busy...
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4 THINGS NOT TO DO PRIOR TO CLOSING
There are a few common mistakes that I see borrower do all too often. I see it time and time again. Don't make the mistake that a lot of buyers make. DON'T BUY A CAR BEFORE GOING HOME SHOPPING I...
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