Meleny Ramos's (meleny) Blog

We are always looking for those comfort foods in the winter.  Now let's eat well and keep warm all at the same time. Need a quick easy meal?  Follow these steps and you will be filled up and content without gaining a pound. EGGS  (THAT'S RIGHT)Scramble eggs with some milk (as many as you need for...

Did you ever have a client that needs just a little higher credit score to get that house they want so bad?  Now we can help.  We have a wonderful program that tells us what a client needs to do to bring their score up.  It can be as easy as getting one credit card with a $300 balance put on the ...

On of our goals here at FCEGI is to not just sell a client on a mortgage but make sure they have the facts from the beginning.  This makes for a happy client.  So happy even that I had one client fax me her documents.  While faxing the girl that was helping her saw that she was getting a mortgage...

I recently bought one of my favorite ice cream items.  It was just brought out last year and was large filled with lots of m&ms.  Now it costs more, smaller, and less m&ms.  That scenerio made me think about how I sell mortgages.  Am I giving the client THE BEST at all times?  We always want to p...

I was reminded today about the gifts we give that are free.  We become a little nicer to our fellow employees.  We speak a little softer.  We are willing to cut someone a break.  It is such a wonderful time of year.  You can feel warmth in your soul.  Now for me this is my favorite holiday.  I lo...

1. I played the easter bunny at the mall one year.2. I am right handed but do alot of things with my left hand.3. I have sung in front of vips from this state.4. I don't take no for an answer.5. I am the oldest of 5 children. This was not easy.  Many things you can say about yourself but a few of...

My brother just called me this morning with a problem.  Unfornately his wife and him have split up.  She has immediately gone to a realtor and has asked her to put their house on the market.  The reason my brother called me is because he thought that he has to sign the contract since he is on the...

It is now almost the middle of the month with a holiday coming up.  This means less staff and slower service.  Telling you that I must tell you a story of a realtor who gave me a call.  She is in a tight spot and needs to refi her own loan.  She has title done and appraisal done.  She has even gi...

I recently worked with a lady who was in chapter 13 and wanted to refinance.  We started in February, 2006 and closed December, 2006.  Why so long?  Well, first it started with the chapter 13 holder.  They did not correctly apply payments to the mortgage.  Thank God this client kept track of ever...

A busy wife's soup recipe:Totellini SoupLg can of chicken brothrefill can with waterstewed tomatoessm frozen pkg spinachchopped chickentotellinissalt & pepper to tasteThis is great with fresh bread, salad, & wine. I use my breadmaker so the bread is fresh and healthier. We use a red wine because ...