SHAUN's Blog

Do you have a customer that has payment history but no credit? We can use alternate credit, such as: Cell phone bill,insurance payments,home telephone bill,cable bill,satellite bill,water bill,electric bill, just to name a few. These are all acceptable lines of credit that normally do not report ...

According to the carnival of content, Most mortgage professionals agree that an adjustable rate mortgage is better than a fixed rate mortgage. Here I sit behind my desk reading yet another good family that is losing there home to and adjustable rate adjustment. I agree that and adjustable rate mo...

Mortgage Brokers and Realtors are both paid by commissions. With the slack in the market, Both sides have been effected. Some very good people have even had to leave the profession entirely. I thought that the strongest people would survive. Unfortunately it looks like they are just being replace...

When I started my career in Mortgage, I was told the bubble will burst. I agreed 100%. But what would happen when the bubble burst? That was my question. My friend said that the value of homes would fall. I thought to my self -(The same values that have doubled and tripled over the last 5-7 years...

I have to agree that the market has changed. But, you have to agree that it changed before it changed. Right?Lets think back 15 years ago. I bought my first home for 45,000. This was a brand new concrete block home 3 br, 2 bath  split plan with a garage.  10 years later I sold it for 82,000.00 . ...

It seems that my contact information has hit the internet in full force. This company has had no less than four different people contact me to purchase exclusive rights to their mortgage leads-referrals in my county. This hashappened over the last 6 weeks. When I asked how they found me, their re...

Free Consultation Are you looking for a home or wanting to refinance your existing home? I would be happy to sit down with you and explore your options. We are a company in Lakeland Flordia. We have been here for over 20 years and have helped thousands of familes with financing for their homes. G...

Are you caught up in the gloom and doom from the media? It is amazing how much emphasis is being put on the Subprime and ALt-A lending. That is only a part of the lending industry. These loans have not gone away completely. Mortgage companies have not stopped lending money. We have only tightened...

Ever wonder how we get mortgage rates? They come from either a price engine or a rate sheet. Both come from an investor. Each day we get an updated price sheet. It tells us what the WHOLESALErate is for a loan program based on credit scores, risk, and loan to value. Usually mortgage companies tha...

If you are looking for a mortgage,go to your local bank. They will give you the best deal. Yeah Right.Hmmm. 1 Bank with one set of guidelines. Vs. A Mortgage company that will shop many banks.Our local news station has said on tv to go to a bank instead of a mortgage company. Let's set the page s...