Musings and Thoughts from Western Colorado

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Mortgage and Lending - Major Mortgage USA/Branch Manager
A collection of random musings and thoughts about Mortgages, Real Estate and Western Colorado
RECENT BLOG POSTS
Just a silly little game to get to know all a little better.  And to have some fun and to take a break from the serious blogging world.  This is a little game that I havent played in a while.  You get to fill the juke box and you have only 10 spots.  What do you put in there?  Now remember you wi...
02/20/2008
Today has been one of those days.  Rates got worse will all the time the public keeps expecting them to drop and drop.  Yes, I remember 18% interest as do a lot of you and yes homes sold, but there wasn't the glut of inventory then as we have now. There are a lot of people pinning their homes on ...
02/19/2008
In this crazy business, as you are folding your socks at the end of the day do you find one missing?  Are we complaining so much about the economy that we are losing a sock here or there.  Are we missing opportunities within our SOI/COI?  Are we missing opportunities with the people that really m...
02/19/2008
Where you still sitting on the fence 2 or 3 weeks ago thinking that rates would go even lower?Man I really hate to hear that, I mean rates are still awesome BUT they have gone up.  Still 6% is not bad.  Ok it isn't 5.625% like it was a few weeks ago. BUT lets compare what your payment difference ...
02/19/2008
As I was burning up the treadmill this morning and listening to CNN I heard about www.youwalkaway.com and I thought you have got to be kidding me.  Then I thought sure way not you hear it on the news so why wouldn't some one make a profit on others misfortune.  So I did what any good professional...
02/16/2008
 and keeping up with your family and friends and others in your SOI or COI.  Alan Brown asked in a comment how I find the time and Jenifer Allan posted to the SOI Reality Show group about "structure vs winging it SOI".  Really it just comes down to solid time management skills.  At least I think ...
02/15/2008
 The Application.  This is where we hear your life story.  Your employment history for the last 2 years, where you bank and how you pay your taxes.  Have you saved any money?  Maybe have a 401k or some other type account that you don't really think about?  This is also the time to tell be about y...
02/14/2008
This is the last page of a 5 page booklet that I like to leave with my Realtor partners.  The booklet outlines what we are looking for in underwriting and what parameters each of these 100% finacing programs is looking for.  Yes, even FHA is 100% with down payment assitance programs and soft seco...
02/13/2008
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 Tonight, once again I type those words, as I was visiting with (this time a fellow mortgage pro) and a few Realtors the discussion turned to today's market and how everyone's marketing plans were going so far. And YES there were adult beverages and nachos involved. After listening to the blah an...
02/11/2008
Cold calling is for macho warrior salesmen.  We call on all the expires and FSBO's.  Politeness is not in our veins, we demand the listing it is ours.  We are the hunter and gatherer for our clan.  We don't have time for lunch with friends!  We have POWER lunches and play CUSTOMER golf.  It kills...
02/11/2008
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Joe Adams

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smartphone(970) 209-9802
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