Robert Caillier's (rcaillier) Blog

I just wanted to take a second to thank everyone for the time they spend in formulating educated blogs for all of us "newbies" to learn from.  While I thoroughly enjoy many of the "filler" blogs that are posted on Active Rain...it's nice to actually walk away from the computer with more than you ...

In these difficult times, we've found it very useful to partner up with Rent-to-Own companies in trying to find future clients.  Creativity is huge in solving problems as we all know...and by creating a niche we have sustained our flow of loans while supplementing our income with a kick-back from...

      Is it a better idea to accept the financing that you currently qualify for, or enter into a credit restoration program and wait a few months for your credit score to improve to then get a substantially better interest rate?  How much lower of an interest can be achieved with the average cre...

It's obvious that some of us (yes us...not you/them/they) aren't always accurate in what we think we know when posting or giving advice on Active Rain.  However, let's keep it clean people...there's no need to take shots at one another.If an individual is mistaken in what she or he claims...simpl...

Dear Mr/Mrs. Rate Shopper,      I understand that you've been quoted at a lower interest rate than the number that I have submitted to you...however, have you considered the bigger picture?  It's my belief that the broker who has lead you to believe that you are getting "the best deal available" ...

September 18th...is the Fed going to lower the rates?In an effort to avoid a recession...the preliminary reports suggest that the Fed will lower the interest rates later this month.  Is this too little - too late? I don't think so.  My sentiments on Mr. Bernanke are high, as a matter of fact, I t...

To most borrowers, there is only one way to judge the quality of a loan...that's interest rate.  To those who have taken the time to study the effects of hasty and uninformed decision making, there are a few more elements to consider when shopping for financing.  What is your 10 year outlook?  Ho...

Just about anywhere is a good place to buy a home right now.  Prices are low, but as we all know...they will soon be on their way back up.  My personal opinion on the best places to purchase a home (in Minnesota) are 5 miles West (West of HWY 494) and 5 miles South (South of HWY 494) of the Twin ...

The market is only "bad" if you are trying to sell your home and you have no wiggle room (no equity to work with).  For those who are buying, this is an excellent time to get the home of your dreams for (approximately)    .85 cents on the dollar.  Even if you are selling your home, the equity you...

Don't let imperfections in your credit history prevent you from buying the home you've always wanted.  We have over 1200 different loan programs available to help qualify good people (such as yourself) for smart and responsible loans...regardless of past credit history.  It's no secret that some ...