If you are reading this it means you are taking action. It means you’re not giving up, and you’re looking for solutions. By seeking answers you are already on the path to recovery, and you have come to the right place to start. What is a short sale? A short sale occurs when a house sells for an amount that falls short of the full amount owed to the bank. Hence the word “short” in short sale. What happens to the difference between the amount owed and what the lender gets? In an ideal short sale the shortfall is forgiven and the seller never has to pay it back. The lender often the forgives tens of thousands of dollars or even hundreds of thousands of dollars. The seller gets a confirmation in writing from the lender that the deficiency is forgiven. Does the lender always forgive the shor... 10/24/2010

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As we look over each possible deal as mortgage brokers we try to see how much we can maybe make. Now I lucked in and was taught by one of the best loan officers in the state and he tells me that you should just have a set amount fee no matter what. Just be upfront with the new client or Realtor that you make 1 or 2 points regardless of loan amount. Ever since I have done this process 3 years ago I have been really been rocking. My Realtors love that i always have a set amount. I also tell them that I can make it all up in the front, in the back or both. It is what makes the customer feel better. I also am very through in getting the deal done quick and without any problems. I am pretty good at picking up problems in the beginning because of the questions I ask. Now what brings me to thi... 03/14/2007

So there I am, sitting at my desk looking at the computer screen in which has a website on it with little gifts that you can give out during a seminar, closing, home show or just to past out. One item that has really gotten my attention is the huggie for your drink. Ever since I have ordered those with my company logo on it I have had a ton of people ask me If I have more or can you send me another. Its really funny because most people would like the gift cards or nicer items but nope, the huggies are the way to go when it comes to marketing material. Ben 03/13/2007

As I am reading newspaper after newspaper, news show after news show I am getting this huge feeling that things are about to change very rough in the next few months. One of the big guns NEW CENTURY MORTGAGE is about to hit the bricks. It has lost 85% of its stock in the last few days, most of its backers have dropped them and everything is pointing to Bankruptcy. If you didn't read the Wall Street Journal yesterday I HIGHLY SUGGEST you pick up a copy of it. On the main page there is an article that talks about mortgage lenders rapid rise, faster fall. Its a great read and please if anyone has any information on other mortgage lenders that I don't know that are about to go under please let me know. Thanks!Ben 03/13/2007

Over this past weekend I worked the Home Garden and Remodeling Show at our local fair grounds. It cost about 770 to have a booth over the three day period. IT WAS WELL WORTH IT. I would pay double for the contacts and leads that i received from this show. It was great people were asking questions left and right. I picked up alot of business cards and people took mine. Just this day I have gotten three calls looking to purchase and or refinance. So in my first time having the show I would highly suggest working these hard and as much as possible. Ben 03/12/2007

If you don't know this little secret website then you are missing out HUGE. www.OPTOUTPRESCREEN.comthis the best website for you and your clients. If you want to stop receiving junk mail from credit card companies and insurance then this is the website for you. Its really simple just click the opt out for 5 years and when your done completing the information you get to print it up for your records. Plus there are two main things to this, after about 5 business days your credit can improve from 5 to 25 points between the three credit scores. I use this on everyone of my clients, no matter what because I want them to get out of debt as quick as possible and this will stop them from getting that junk mail after about 100 days. Its pretty cool. Has anyone else used this site before?Ben 03/08/2007