Current pay check stubs covering past 30 days. employers name, adress, and phone number covering two years. 2 months bank statements for all open accounts. Driver's License and social security cards. W-2 federal tac returns for previous 2 years. Mortgage statement and/or rental agreement. Complete copies of divorce and/or final judgement. Self employment records. Complete copies or bankruptcy and discharge. Award letter for social security, pension, or other income. Landlords name, address, and phone # covering 2 years. Also participation is very important in the process of closing a loan.     Ralph Jorge Mortgage Consultant 09/29/2008

Everyone should have God in their hearts. Even through a busy lifestyle we as children should make time for our heavenly father. God loves us as many times the grains on the shore. God loves us so much. John 3:16 states, "For God so loved the world that He gave His only begotten Son, that whoever believes in Him shall not perish, but have eternal life. Jesus came through the Holy Spirit to leave us with historical text in the Bible. He left us the Bible to remember him and his example, spread the word and have a "how to live life" guideline. He is such an amazing God. But what should a believer do? A believer should pray, pray about everything! A believer should repent and love. Prayer really does change things. God listens to you, seek him and he will seek you more. We live by faith, n... 09/26/2008

I have learned alot since starting out in the mortgage business. First of all, how agressive do you want to be? This is an important question because it may be the deciding factor if your successful or not. Being agressive is so important. I find myself to be more passive than agressive but believe me I am working on it. Agressive means to ask questions, learn and bug your managers until they get tired of you. Now be moderate also because you do have to be patience is a virtue but be agressive. Also, my manager Tony Kahkosko's motto is appointment, appointment, and appointment. Getting the client in is very important. First of all, a client wants something in writing, plus if you do not have any of there information or have run their credit their is no way of telling their standings. Ne... 09/24/2008

This Content is from "Getting Noticed on Google" Part 1: Create a google account to have access to google sitemap. Having a Google sitemap will offer you many great benefits. It will help you with: Understanding Google's view of you site Diagnosing potential problems with your website Seeing how Google crawls and indexes you website Monitoring the performance of your website Learning what search phrases bring traffic to your website Sharing information with Google to help better index you website This is one of Google's most useful tools.     Ralph Jorge (951)907-4770 09/24/2008

" To the world you may be just one person, but to one person you may be the world" Think about it, and have a nice day. 09/23/2008

   This is Content from the Census Bureau The Census Bureau has released a list of the 25 fastest growing large cityies in the nation which includes 5 in California.  Which Cal city is growing the fastest? Quick, name the fastest  growing city in California? San Jose? Riverside? San Diego? Nope, nope and nope. The state's fastest growing city over 100,000 population between July 1, 2006, and July 1, 2007, says the Census Bureau, was -- drumroll, please -- Victorville in the so-called "high desert" northeast of Los Angeles. In fact, it was the second fastest growing city in the nation at 9.5 percent. Read on to find out what the other 4 fastest growing cities in California are. 09/22/2008

This is Evergreens Content How It Works: Suppose you and your realtor find the home you want, only to be surprised and disappointed that your offer is one of many. Our exclusive $1,000 Security Plus Seller Guarantee puts you and your realtor in the strongest position to save money on the negotiation and be the one the seller selects. Why? Because the Seller knows that your loan with Evergreen is even stronger and more secure than the typical pre- approval. In fact, if your transaction fails to close due to financing, Evergreen will pay the Seller $1,000! 09/22/2008

From Bible Pathway We may not think we are qualified, but God has commissioned "all of us" to do something: Go into all the world and preach the gospel (Mark 16:15). 09/22/2008

For Your Information- Our office in Apple Valley is the leader in the mortgage industry for exceptional service quality products. My production manager, Tony Kahkosko has been in the mortgage service for over 30 years. We have full docs, underwriting, and funding. We are a direct lender. No other office in the California High Desert, has a full service office like Evergreen Home Loans. If you have any questions or concerns please feel to contact me anytime.   Ralph Jorge (951) 907-4770- Cell (760) 868-8335- Office   09/20/2008

This Content is from Evergreen Home Loans RE-VISIT THE FHA LOAN Why should your buyer consider an FHA loan? Gift allowed for 3% down payment Seller can pay up to 6% in buyers closing costs & pre-paids 2-1 Buydowns for lower payments options NO MINIMUM Credit Score requirements Non- Occupant Co- borrowers allowed with no qualifying income needed from your buyer Manufactured Home on Loan Refinance out of thos Sub- Prime Loans with FHA Secure: Borrower can be delinquent or have forclosures process started Can include penalties, all interest & court costs in the refinance No CLTV limit so can resubordinate or obtain new 2nd financing Rates are close to the same as standard FHA rates Refinance Non-FHA adjustable rate mortgages that have reset   (951) 907-4770 Direct (760) 240-3099 Fax rjorge... 09/20/2008

Objection: I need to speak to my wife. Response: Ok Mrs ____, I understand that it is important for you to speak to your husband. Your going to go home, sit at the table, begin to speak, and talk about what? That is my point let me have fifteen minutes of your time to give you and your husband something to talk about. Objection: You do not have enough experience. Response A: I realize that experience plays a vital role in the successful completion of a loan. Although I do not have years of experience in the mortgage business. I do have experience in working hard, following up on problems, and communicating. I am also working with a processor who has X years of experience ( expand where possible) and a company that has been in business for X years. Objection: I'm happy with the lender I'... 09/19/2008

ACKNOWLEDGEMENT FOR A SMOOTH LOAN APPROVAL DO continue making your mortgage or rent payment DO stay current on all existing accounts DO keep working at your current employer DO keep your same insurance company DO continue living at your current residence DO continue to use your credits as normal DO call us first if you have any questions   DO NOT make major purchases ( car, boat, jewerly. etc) DON'T apply or open a new credit card ( even pre- approved) DON'T transfer any balances from one account to another DON'T pay off charge offs ( without discussion w/ us 1st) DON'T pay off collections (without discussion w/ us 1st) DON'T pay off any loans or credit cards DON'T finance or buy any furniture DON'T close any credit card accounts DON'T change bank accounts DON'T max out or over charge o... 09/18/2008

So many people that I know personally and care a great deal about were driven to purchase a home in the last couple of years because they thought it was a good investment. Many of them shared the sentiment that if they hadn’t done so, they would “miss” their opportunity to ever purchase a home. Many saw real estate values soaring out of their reach of affordability and felt compelled to act before it was “too late.” A sense of urgency hung in the balance because they saw people all around them profiting from their real estate gains. To make matters worse, Real Estate Gurus were touting get rich schemes. Guys like Robert Allen with his no money down tactic- that landed him in Federal Prison in the mid 80’s for tax evasion, was suddenly back in vogue and so was Robert Kiyosaki; his Rich D... 09/08/2008

  I have started real estate as a second job to supplement my income and make more money for my growing expenses.  You see, I have two daughters on their way to college and found that I needed a way to earn extra money for their textbooks, tuition, and board.  Fortunately, my husband is a real estate broker and I have signed up under his broker’s license to start my business; he offered me a generous split and hired me on the spot!     I have found that a lot of the work that a 21st century real estate agent can be accomplished online. I currently use California Association of Realtor’s  Winforms online to write contracts on my computer and even incorporate Docusign; which allows my client’s to digitally sign from their computer. I have been able to email plenty of offers from my client... 09/07/2008

BANK REPO/FORECLOSURE/REO BLOWOUT SALE IN San Bernardino, CA Call Nick Ondatje/Park Place GMAC today to schedule an appointment to view any of these homes! 909-437-0132 www.InlandHomeFinder.com   ML#: E08086657 4034 N 3rd AV, San Bernardino 92407 List Price: $98,000                                                                                                                                                                                                                                                More Photos Basic Information                                                                                Status: Active Property Type: Single Family Residence/Detached Thomas Guide: 546F6 Year Built: 2000 Sqft/Source: 720/Assessor's Data Lot Sqft/S: 7,686/Assessor's Data View: No Assoc ... 06/29/2008

ACORN opened on January 28th of 2008 and stands for Association of Community Organizations For Reform Now.  This particular organization is in the San Bernardino area and works will a lot of Hispanics and people who just don't know where else to turn.  On Thursdays, ACORN staff members offer appointments to homeowners who are facing foreclosure.  The services they provide are doing a comprehensive financial assessment, laying out their options, and initiating negotiations with finance companies to see if terms can be met that would allow the homeowner not to default on their loan. ACORN has been able to help one in five of the people who walk through the door.  Once started, one or two couples would wonder in.  Now, six to eight couples show up every Thursday seeking help.  One such cou... 05/21/2008

wow last night started off our great concert series with a great concertfamilies were all out enjoying the musiclocals and visitors alike 05/03/2008

HOME SALES REPORTBeginning Date: 01/01/2007Board Number: AllEnding Date: 11/01/2007City: SBArea: AllPrice Range: $0 - ALL Single Family Sales - Residential Other StatisticsPrice ClassBedrooms  2 OR Less34 Or More Condo SoldResidential ActiveCondo Active$0 - $99,9990 0 0  0 5 0 $100,000 - $149,9990 0 0  2 1 1 $150,000 - $199,9990 0 0  5 22 2 $200,000 - $249,9992 4 0  3 35 1 $250,000 - $299,9995 8 1  0 110 3 $300,000 - $324,9991 7 2  0 34 0 $325,000 - $349,9993 12 6  0 53 0 $350,000 - $374,9992 6 1  0 22 0 $375,000 - $399,9990 3 1  0 30 0 $400,000 - $424,9990 0 2  0 4 0 $425,000 - $449,9990 0 0  0 10 0 $450,000 - $474,9990 0 2  0 5 0 $475,000 - $499,9990 0 1  0 8 0 $500,000 - $549,9990 1 2  0 4 0 $550,000 - $599,9990 0 0  0 2 0 $600,000 - $649,9990 0 0  0 1 0 $650,000 - $699,9990 0 0  0 0... 11/24/2007

We have recently acquired a great Condo in close proximity to Cal State San Bernardino.   This is perfect for first time home buyers or as an income property. This home is in a gated community, nestled at the foothills of the San Bernardino Mountains.   We will be able to qualify you regardless of your credit.       Contact Anthony Saunchez, Broker at Campa Properties. Licensed Realtors® in California at 909-731-1094  to list your property for sale or to purchase a property in The Inland Empire or Southern California.  Call us today at 909-731-1094 or . Contact us by email if you prefer by clicking on email me on the right side of the page below our photo. We know the Inland Empire. and will help you get your home Sold if you need to Sell  and help you buy your Southern California Home;... 11/09/2007

 Roughly one million illegal immigrants are thought to live in Los Angeles County, but the Urban Institute estimates that this number is declining. There are two reasons for this change. The first is that many illegal immigrants now avoid Los Angeles, and instead head to Midwestern and southern states such as Ohio, Georgia and Texas. The second reason is that many are leaving the city. San Bernardino, for example, is currently 56% Hispanic, and growing. The migrants are lured partly by a boom in unskilled jobs and since San Bernardino and Riverside Counties process much of the cargo that arrives in the ports of Los Angeles and Long Beach they have created manufacturing jobs. Housing is less expensive elsewhere, and schools are better with fewer gang problems. 04/26/2007