Denver Lender's (philleto) Blog

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Mortgage and Lending - Denver Lender
RECENT BLOG POSTS
I've always been a math geek. As a kid I remember asking my mom to take out the math flash cards as opposed to the other cards. Addition, subtraction, multiplication, or division, it didn't matter. As I got older I was always in the advanced math classes. I even joined the Math team competing aga...
12/13/2006
I live in an "up and coming" neighborhood in Denver. Whole Foods moved in last year and in a month the Light Rail will open so my neighborhood should be considered "up and arrived." The number of kids that come around trick or treating tends to double each year. A few years ago I bought my three ...
10/28/2006
My all time favorite objection from real estate agents is "If you want me to send you business, you need to send me business!" It's a sound objection. They don't know me, I don't know them, so why on earth would they jeopardize their commission on an unknown entity. I know I wouldn't if I were in...
10/28/2006
Let's say I get a mortgage lead from my site. I usually just collect the bare basics - name, number, and email address. The next step is to contact the borrower. If they don't respond by email (which I prefer) I usually call to follow up. If they're serious, I can usually fill out the loan applic...
08/10/2006
I love technology. I grew up programming BASIC on my Commodore 64 before I "kicked" into high gear with FORTRAN (Engineering major), COBOL (first job out of college), and JAVA (last job before getting into the mortgage business).The mortgage and real estate world claims to be high tech but it rea...
08/09/2006
So I'm at the Denver Public Library (one of the smaller branches, not the behemoth on Broadway and 14th) and I notice while standing in line to checkout on my left lies a stack of The Automatic Millionaire by David Bach. So I decided to check it out. The premise of the book is that no one got ric...
07/26/2006
I was first exposed to the power of a blog when a friend of mine told me about Mark Cuban’s blog a few years ago. I passed it off as nothing more than Cuban’s ranting on the poor officiating that goes on the NBA. I dug deeper into his site and noticed Mark had much more to say than the refs. He d...
07/24/2006
There is a great debate within the inner-mortgage circles these days. Should we, as loan professionals, encourage clients to borrow as much money as possible? Or would consumers benefit more if we helped them to understand the advantages of 15-year amortization schedules and pre-paying principal?...
07/19/2006
Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower’s income and debt ratios are taken into consideration by the lender, as well as the predictability factor provided by credit s...
07/19/2006
Buying a home vs. renting is a big decision that takes careful consideration, as most mortgage consultants will agree. But the rewards of home ownership are great. For many years, purchasing real estate has been considered an extremely profitable investment. It is an achievement that offers a sen...
07/19/2006
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