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Good afternoon all! I hope you're well. We're enjoying gorgeously sunny weather here right now. I may be biased but this is one of the most beautiful spots on earth when the weather is nice. I wanted to update you on the commercial loan market. A lot of people may think that the commercial loan m...

Good afternoon! I hope you're well. I wanted to update you on the latest goings on in the mortgage insurance world. Mortgage insurance is going to be required in most cases if your loan-to-value is above 80%. Mortgage insurance is a safeguard for the lender in case of default on your loan. Recent...

Hello all: I hope you're well. I wanted to share with you this morning a very cool way to buy an investment property. You can use your self-directed IRA to do this! How does this work? Let's say you have an IRA that you'd like to have work for you. You can set up a self-directed IRA (Be careful h...

Hi all: I hope your day is off to a great start. I wanted to share with you about Private Mortage Insurance or PMI. First of all, a definition is in order. Private Mortgage Insurance (PMI). Policy protecting the holder against loss resulting from default on a mortgage loan. In other words, privat...

This was granted last night. I'm still not sure if it will change the direction we appear to be headed but it's nice to have some reason brought into play!BREAKING NEWS: Sweeping Federal Reserve Rule Delayed Appellate Court Grants a Stay of the Fed’s LO Compensation Rule St Paul, MN: The Mortgage...

Hello all: I wanted to let you know about two great loans for all you rehabbers out there. In other words, if you have a purchase where some work needs to be done these loans can really make a lot of sense. The first one is the FHA 203-k loan. This loan is most often used in conjunction with a pu...

Hi all: Welcome to you from snowy Western Washington. As many of you are aware, there is significant unrest in Libya right now. This follows upon the heels of government overthrows in Tunisia and Egypt. In the mortgage business, calamity is a good thing! The resulting unrest has caused mortgage i...

Hi all: I read that the Obama administration is proposing to replace Fannie Mae and Freddy Mac (the two largest mortgage guarantors) by 2018. Since a majority of loans are guaranteed by either Fannie or Freddy, it begs the question. What happens if this is implemented? I have included the press r...

Good morning all! I hope you had a great weekend. Several weeks ago, we called the Puget Sound Blood Center and said we wanted to have a blood drive at our office. Could they bring the bus over? What started as a modest event with expectations of maybe having 20 commitments turned into a full up ...

Hello! I trust your Friday is going well and you have a great weekend planned. I wanted to share with you a day in the life of a loan officer. My world is often confusing to an outsider. When someone contacts me about doing their loan, they really are first and foremost looking for a seamless tra...