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Archive | June, 2010

Jun 25

Two Minute Video on Greed

Two Minute Video on Greed

This is a great little 2-minute video clip of Milton Friedman on the Phil Donahue show in 1979.  He’s talking about free enterprise and capitalism. I love his quote, “The world runs on individuals pursuing their separate interests.”  And “The great achievements of civilizations have not come from government bureaus.”  We all need to go out there and chase our dreams.  That’s what keeps the world going around.  We can’t just sit around waiting for something to happen, or someone else to take care of us.

Jun 24

Mortgage Rates Hit Record Lows

Mortgage Rates Hit Record Lows

McLean, VA – Freddie Mac (NYSE:FRE) today released the results of its Primary Mortgage Market Survey® (PMMS®) in which the 30-year fixed-rate mortgage (FRM) averaged 4.69 percent with an average 0.7 point for the week ending June 24, 2010, down from last week when it averaged 4.75 percent. Last year at this time, the 30-year FRM averaged 5.42 percent. Click here to read the full release.

Jun 21

How to choose a mortgage company or loan officer

How to choose a mortgage company or loan officer

Most loan officers I come across try to sell themselves with the same three tired old “value propositions.” Low Rates Great Service # of Years in the business Look around.  Over and over, that’s what you’re going to see. Low rates.  Like we’ve talked about before, the lowest rate is a moving target.  So what’s important in terms of rate is that you’re working with a company that has access to the lowest rates.  Don’t make your decision based on who is quoting the lowest rate. Great service? 

Jun 21

Shopping Mortgage Lenders by Comparing Rates

Shopping Mortgage Lenders by Comparing Rates

Shopping by comparing rates between different mortgage lenders is a tricky business.  Keep in mind that there is a distinct difference between being quoted a low rate, and actually getting a low rate. We all know how to shop for a digital camera or new DVD player: Decide what you want, then shop around and compare prices.  The internet has made it very easy to do that.  The natural tendency is to try to shop mortgages the same way. However, before you do that, keep in mind that

Jun 18

Does Owning a Home Give you Better Job Security?

Buy a home – get a better job.  That seems like a pretty bold statement.  But maybe not! Here’s a short video clip I found. This is from the movie Picture Perfect.

Jun 18

How to Buy a House With Less Stress

How to Buy a House With Less Stress

Imagine you’re getting on a passenger plane.  You sit down and buckle up in your seat, and the pilot comes on the microphone and says “Welcome aboard everybody.  Clear skies ahead, so I promise you there will be no turbulence on this flight.”  Does that ever happen?  I don’t think so!  Can the pilot guarantee no turbulence?  NO!  Between takeoff and landing, there are a lot of things that can go wrong.  There are so many factors working together, not just to keep the plane in the air,

Jun 18

The Secrets To Choosing the Right Realtor, Part II

The Secrets To Choosing the Right Realtor, Part II

In my opinion, the secret to choosing the right realtor comes down to these 2 things: 1.  They need to be an expert on the market. 2.  They need to be a skilled negotiator. Being an expert on the market usually means being a realtor full time.  Here in Yuma AZ, where I live, each neighborhood is it’s own little “mini market.”  We’ve seen prices going up in one neighborhood while a few streets down, values are dropping.  Only someone who is actively in the business would understand

Jun 18

The Secrets To Choosing the Right Realtor, Part I

There is a Misconception out there that Realtors cost you money.  The REALITY is that as a buyer, your agent is going to be indispensible, and the seller pays their fee, so you won’t have to pay them a dime.  In fact, because of how much money is at stake, a good realtor can save you more money than almost any other person you’ll work with in your life.  BUT the key is, you have to choose the right one.  And the way to do that is by

Jun 18

Top 10 Reasons I use an Internet Lender or Big Box Bank for my Mortgage Financing

(This is intended to be funny, so don’t read too much in to it!) I feel secure trusting the largest financial decision of my life to an 18 year old telemarketer in another state. I prefer the service I receive from faceless clerks at 800 numbers to local professionals.  I don’t mind talking to a different person every time I have a question. I have plenty of time to follow financial news, watch real-time quotes of the Mortgage Backed Securities (MBS) market, and make my own predictions about

Jun 18

The 5 Factors of Credit Scoring

The 5 Factors of Credit Scoring

Payment History has a 35% impact. Paying debt on time and in full has a positive impact, and late payments, judgments and charge-offs have a negative impact. Outstanding Credit Balances have a 30% impact. Debt ratio of outstanding balance to available credit is important.  Keeping that below 50% is wise and below 30% even wiser. It is never a good idea to close an account; the debt ratio will go up and the number of seasoned lines will decrease. Pay outstanding debt down as close to zero as