The World - According to Jennifer!

Jason's Anti-Meme Continued... I've Been Anti-Meme'd!

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Tue, 10 Jun 2008 13:10:36 -0500

Anti Meme

Jason's Anti-Meme Continued...

I have been anti-meme'd by Lindsey Hasford! I am not exactly sure what this totally means, but I think I get the basic concept, so I am going to give it shot!

Question 1: Who is my LEAST favorite Musical Artist? I would have to say Rush. Terrible to say and I hope I don't make any enemies, but I can't stand the lead singer's voice (Getty something - isn't that his name?).

Question 2: Who is my LEAST favorite Artist? I have no earthly idea. I remember the names of the ones I like and forget the ones I don't!

Question 3: Who is My LEAST Favorite Blogger? I definitely have my favorites. If I don't like someone's blog-itude, I just don't read any more of their blogs!

Question 4: If I could AVOID meeting anyone (dead or alive), who would it be? My ex-husband's father's 3rd wife (yeah, that is a difficult one to follow). She is insufferable.

Question 5: What did I LEAST want to be when I grew up? An accountant. Didn't know this until my parents thought it would be a great major for me in college. Made it to Auditing. Scrapped that idea and finished with an International Business/Spanish degree.

Question 6: What is the LEAST interesting piece of Trivia that I know? If you can find the North Star, you can easily locate the Big & Little Dipper. Maybe everyone knows this, which makes it even more boring.

Question 7: If I could AVOID living in any point of history when would it be and why? Off the top of my head, I would say the Great Depression. My parents both grew up during that era and I have heard many a stories about it. It didn't sound like a fun time.

Question 8: What is the LEAST interesting job I've ever had? Lindsey, we definitely have something in common here! I took a part-time job delivering auto parts to make ends meet. I figured I could make business calls while I was out on the road, etc. Didn't quite work out that way. I ended up stuck in the store most of the time. I could feel my IQ dropping at the end of each day I worked. I had to quit to get my IQ back to it's normal level!

I think I'm supposed to tag 8 lucky people for the anti-meme. Here's my list!

Behind on Payments? Facing Foreclosure? Need to Sell NOW??

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Thu, 05 Jun 2008 00:34:53 -0500

Dear Friend:

DO YOU REMEMBER WHEN LIFE WAS GOOD?

When we began building our lives and families with so much hope, excitement and joy for the future. It was certainly hard to imagine that good, honest, hard working people like you and me could end up losing everything, but it is happening every day to us, our families and neighbors. Recent times have brought much stress and turmoil to our once secure financial lives. Sometimes it is difficult for us to know who really wants to help us or who wants to cheat us.

We decided we would do whatever we could to help people out of this situation, as no one deserves the humiliation and pain that you are experiencing.

The truth is, we not only want to help you, we can help you. You’re probably wondering why we want to help you. It is simple, really. Sometime ago, we learned that the only way you can get what you want is to help others get what they want. So many people are suffering needlessly only because they don’t have the information they need.

We have a number of solutions for you to get a new beginning in life that will give you and your family peace of mind and a fresh start in life, without the worries of a looming foreclosure.

Maybe one of the following applies to you?

I fell behind on payments, but now have the means to continue making my monthly payments, but I can’t pay everything the bank is asking. We work with a reputable foreclosure resolution company who has excellent contacts in the banking industry. They may be able to work with you and your bank to achieve a work out plan that “works” for everyone.

I fell behind on payments, but I no longer have the financial means to afford my home. We have a licensed real estate agent in our office that may be able to list your home. If there isn’t enough equity to list the property, there are still options. We may be able to help you sell your home to one of our many qualified buyers we have pre-approved though our in house financing or we may be able to buy CASH – As Is.

I fell behind on payments and am trying to move on and I JUST WANT OUT! We also have the option of purchasing your house As-Is cash.

What if none of these situations sound like yours? Please call us and tell us about your particular circumstances. We are here to help.

We believe we can take your foreclosure off your hands, save you from bankruptcy and help put the whole ordeal behind you.

Please give us a call at 724-783-7180 or 724-316-3298 to discuss your options.

Sincerely,

The Professionals at Premier Servicing Company, LLC.

Today is the Real Memorial Day - Please Take a Moment to Remember!

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Fri, 30 May 2008 10:43:26 -0500

Many of us may not know, but today, May 30th, is the "real" Memorial Day.

Memorial Day honors U.S. men and women who died serving our country.

Memorial Day was first observed on this day in 1868. It remained the official holiday until Congress passed the National Holiday Act in 1971, moving it to the last Monday in May (thus creating a three-day weekend).

My parents were married on this day in 1951. My father was a veteran of World War II and was very proud of his service to his country. He passed away on November 22, 2004 and is greatly missed by myself, my mother and all those who knew and loved him.

Please, take a moment on this Memorial Day, to honor those who have given the ultimate sacrifice to our country and our freedom. And pray for a safe return to those currently serving our country.

Have a blessed Memorial Day!

Oprah's Got One - Why Can't We?

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Wed, 28 May 2008 07:50:52 -0500

Confession: I LOVE TO READ!

Especially motivational/educational books and books that pertain to real estate (marketing, advertising, etc).

Last evening, the idea came to me .....

Why not start a book club on Active Rain?

Something a little different than what may already be out there.

I am sure there are thousands of other AR Members who share in my love of books.

So I started a group - The Active Rainy Day Book Club!

Here's my brilliant idea (or at least I think so)!

First, if you are interested, please post some ideas on a book you would like to read, a book you are currently reading or perhaps one you have already read (and you think the group may enjoy).

Second, join the group. On June 1st, I will let everyone know what the 2 or 3 books of the month will be. You can pick one or all of them (and order them online). Start reading (and start commenting). I will be reading them (and commenting) as well.

I think this will be a great way for us to interact with each other and learn something in the process!

Is Anyone Familiar with Earthship Biotecture? Can This be Done in PA??

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Thu, 22 May 2008 14:34:47 -0500

I have a client who would like to build a Modular Earthship home in Pennsylvania.

I am not very familiar with these homes, but I understand they were designed by Mike Renyolds.

I checked out the website and I am not seeing Pennsylvania as an option.

If, by chance, you know anything about these home and if there is a County in Pennsylvania that is receptive to this type of structure, please comment!

Who Are You? Who, Who??? Who, Who???

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Tue, 20 May 2008 23:30:23 -0500

I am so excited!

I have some AR Members subscribing to my blogs!!!

But I can't seem to find out

who you are :((((

I did a search and wasn't able to get an answer to my question. I am still pretty new and I am sure other NEWBIES would love to know as we will all eventually get blog subscriptions!

Can any one tell me where

I can find this inforamtion out?

I want to personally thank those who have subscribed.

CONFESSION: I subscribed to my own blog to see if I could figure it out. Shame one me!!

Are You Singing in the Rain (and Maximizing Your Active Rain Drops)?!?! Answers PLEASE!!!

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Tue, 20 May 2008 22:59:08 -0500

Okay, maybe this has been "said and done" before, but I thought I would share with you what works FOR ME!

In the morning, you stroll into the office. Maybe grab a cup of java (or tea, if you are me).

You boot up your computer and hop online. Read emails, check the weather or whatever .... right???

What is the first thing you see??? ........ Your Home Page

If you are a true Real Estate Professional and have a strong desire to NETWORK and LEARN from other Real Estate Professionals ....

Make Active Rain Your HOME PAGE!

Where else can you get the latest news, tips, ideas, support, etc right in front of your face without lifting a finger (okay, so you have to click here and there - you got me on that!!)?

We are all the "men in the trenches". Take advantage of the knowledge and grow from it. Listen and Learn!

Have Active Rain right in front of your face each and every day.

If you haven't made AR your home page and decided to because of me ... let me know! You can always subscribe to my blogs :)

Or if I think I thought of something new and didn't - correct me if I am wrong!

I CAN'T WAIT TO HEAR FROM YOU!!!!

Sleepless in Kittanning - Thank You Brad Andersohn! (Part I)

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Sat, 17 May 2008 02:32:22 -0500

Today, I was fortunate enough to speak to Brad Andersohn in regards to his recent reunion with his brother.

This is a topic near and dear to me as I was adopted when I was 17 months old and have yet to find my birth parents.

As many of us know, Brad was recently reunited with his long, lost brother. He was kind enough to offer assistance to me in my search for my birth parents. It was a great conversation and I am blessed to have had this interaction with such a knowledgeable and caring person.

I am sure many of you are aware of "The Secret" - that being the Law of Attraction. Many of us have read it and maybe acted upon it - OR maybe we haven't.

Active Rain is a great place to throw your ideas out to the universe. Remember - Thoughts Become Things!

I am encouraging you, as I am sure Brad would, to put your thoughts "out there" and they WILL become reality!

Please, if you would be so kind, share your thoughts with me and the rest of the AR Community. Put your thoughts out there AND THEY WILL MATERIALIZE!!

Thank You BRAD!! And God Bless!

The Journey of 10,000 Points Begins With A Single Blog ... or Something Like That!

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Fri, 16 May 2008 08:35:30 -0500

The Journey of 10,000 Points Begins With A Single Blog ...

Or Something Like That!

Wow, how the time flys here on Active Rain.
And I mean that in a good way!

Reaching 10,000 points a small milestone, no doubt, but a milestone none the less.

What, you may ask, have I learned during my short time here in the Rain?

The number one, biggest thing I have learned:

It's Not Just Business - It's Personal

Thank You to all of the kind and wonderful people here who have shared

their time, knowledge and,

most importantly, personal moments in their lives with me.

I look forward, daily, to the encouragement I receive and the interactions

I have here on Active Rain.

I guess you could say, I'm as happy as a ......

!!!!!

So Your Ready to Buy a House? Now What?

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Sun, 11 May 2008 14:10:15 -0500

So Your Ready to Buy a House? Now What?

You've made your decision and are ready to pursue homeownership. What's next?

EDUCATE YOURSELF!

Check your credit: Your credit history is going to determine what kind of loan you qualify for and what kind of interest rate you are going to pay.

You can check your credit for free through each of the 3 bureaus every 12 months. Stagger your inquiries so you are checking your credit through one of the 3 bureaus every 3 or 4 months. You can look at your credit report by visiting annualcreditreport.com.

If you don't like what you see on your credit, here are 10 FREE Ways to Improve Your Credit Score and Raise Your Fico STARTING TODAY

Decide what you can comfortably spend each month on a mortgage payment: Don't forget to take taxes, insurance and maintenance into consideration.

REMEMBER: What the bank "says" you can afford and what you "know" you can afford can be two different things. Don't get in over your head. Your loan officer will be able to calculate your loan payments based on the property your are interested in.

Understand the loan for which you are applying: Make sure you completely understand the type of loan your loan officer is suggesting you use.

Is it an adjustable rate mortgage? Is there a pre-payment penalty? Are you paying mortgage insurance and, if so, for how long? Fully educate yourself so you don't get an unwanted surprise down the road!

Go out and start making offers: Don't be afraid to offer less than what the seller is asking. This is a buyer's market and most sellers are expecting a lower offer than the asking price.

If you haven't decided on a specific loan program yet, let me recommend the
Guaranteed Rural Housing Loan Program.

If you have any questions or need additional information, please feel free to contact me directly at the number listed below. I specialize in the Armstrong County, Kittanning, Ford City and Rural Valley areas of Pennsylvania.

To apply online with 1st Metropolitan Mortgage in New Stanton, PA, please click here.

Please contact me directly 724-783-7180 or jkladny@hotmail.com for more information on this or any other programs available. Thanks! JENNIFER KLADNY - Loan Officer for 1st Metropolitan Mortgage, 151 East Pennsylvania Avenue
New Stanton, PA 15672

Licensed by the Department of Corporation under the California Residential Mortgage Lending Act. Licensed by the Pennsylvania Department of Banking.

Does Anyone Know of a Google AdSense Tutorial?

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Thu, 08 May 2008 16:40:11 -0500

I have search high and low on ActiveRain, but I can't find a turtorial or even a post showing me how to get my Google AdSense widget to work.

Perhaps it is like Google Anayltics in that you can't use it since it isn't actually your website?

I have the account and got the html script and I know where to put it, but it comes up as "this page can not be displayed". My other widgets show up fine. I have tried it over and over again, but to no avail.

Any ideas? Thanks! JENNIFER

This Can Help You Avoid “Steering” and ……..

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Wed, 07 May 2008 10:19:45 -0500

Possibly Give You Information for Your Posts to Localism!

We all know steering a buyer to a particular area is unethical and illegal.

But what do you do when Joe Buyer asks you questions that may lead you into steering him to a particular area by answering them?

Sperling's Best Places is a great way to help you avoid that issue by allowing your buyer to find out the information they are looking for with out putting you in an unpleasant situation!

You can search this website based on County, Township or City (or even by specific zip code). There is a ton of demographics information on this site concerning such topics as the people who make up the area, the economy in the area, the housing market, heath, crime, climate, education, etc, etc, etc.

I specialize in the Armstrong County, Kittanning (16201) area. The information I have found here has been very helpful for me and I wanted to pass it on to the ActiveRain Community!

This information may also be useful in writing your posts to Localism, depending on the scope of the blog you are writing.

Hope this information helps!

Update - You may want to check out your own area before you send a client to the site. Thanks to Karen for pointing this out!

Where all should source codes go for Blogrush, Statcounter, etc?

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Tue, 06 May 2008 08:38:37 -0500

Thanks to all the great information provided on ActiveRain, I have been able to add BlogRush and Statcounter (and they actually work)!

After searching and reading a number of blogs, I still can't find an answer to the following quetions:

Do I need to add the source code on each of my blogs for BlogRush and Statcounter?

I have already added it to my settings. But it seems to me that these websites want you to either add blogs to your account or put additional source codes in your blogs. I have experiencing much confusion on how all of this works together.

Any help would be greatly appreciated! Thanks so much! JENNIFER

Introducing Me ... and my cats!

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Mon, 05 May 2008 18:54:07 -0500

Hi there! I am new to this group. I just happened upon it yesterday and figured I would introduce myself and my cats!

That is me and Molly in my official AR photo! I am a true cat lover, obviously!

I work out of my home office, so luckily, trying to beat the clock in the morning isn't a huge issue.

Maddie doens't allow me much "mirror" time. Forget washing your face. It is HER bathroom, after all.

Since I work at home, I don't have an official assistant. Sometimes Matilda steps in to help. She is an excellent "faxer", but I have noticed she fat paws the numbers at times!

Milo is always there to help out when important loan packages need shipped out via USPS. We tried Fed Ex and UPS, but he is adament on Priority Mail. I guess you can't teach on old cat new tricks!

I often have to head out on appointments during the day. I am glad Mable is here to hold down the fort and make sure the office runs smoothly in my absence.

After an especailly hectic day, it is Mort who reminds me to kick back and relax!

I would love to meet some of you other cat lovers and your cats. Please feel free to say hi! Thanks - JENNIFER

Can what I don't know hurt me?? Or should I just keep bloggin' on??

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Wed, 30 Apr 2008 22:11:06 -0500

I am in a pickle!

I am new to AR and blogging in general. Blogging is a new word to me ... never mind all these other "Greek" words I am learning! The more I read, the more I realize how little I know. It is just overwhelming :(

I guess my question is, after you learn a bunch of this stuff, can you go back and fixed your "messed up" newbie blogs?

Does any one have a mental list of things that absolutely should be done with each and every blog? Like tags, etc.

AS A SIDE NOTE: I do know how to add clip art and links into my blogs. I am working on an Apple laptop at my cousin's. You can't even left click to copy and paste on this crazy thing .... or I'd put a link to one of my fancierblogs! How do people use these??

What Won’t Fly in the Guaranteed Rural Housing Loan Program – Recognizing Unacceptable Credit

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Mon, 28 Apr 2008 17:48:48 -0500

As a buyer, should I consider the Rural Housing Loan Program?

As a seller, can my buyer possibly qualify for the Rural Housing Loan Program?

The USDA's Guaranteed Rural Housing Loan is one of the best loan programs out there today. It is a no down payment, 100% financing loan - the last one available.

Below is a list of quick ways to see if you or your buyers have a chance to qualify for this program. These are the other factors that need to be considered as well.

Don't worry if you can't qualify for this particular program. There are many other low to no down payment programs available. Contact me for more information.

Unacceptable Credit for the Guaranteed Rural Housing Loan - UNLESS THE PROBLEM IS DEEMED BEYOND THE APPLICANT'S CONTROL (more on this below)

NOTE: some or all of these may not apply if you or your buyer has a 620 credit score or better

More than one - 30 day late in the past 12 months
Bankruptcy or foreclosure in the past 36 month
Outstanding tax liens or other government debt which are currently past due (age doesn't matter)
Outstanding judgments
Collection accounts or charge-offs within the past 12 months
Collection accounts (age doesn't matter) which are currently past due with no payment arrangements
Two or more 30 days late on rental payments in the past 36 months

The following may be considered mitigating circumstances and may be taken into consideration. Documentation of these are key!

NOTE: Mitigating circumstances are temporary in nature, beyond the applicants control and must no longer be a risk factor when considering the application.

Some mitigating factors are:

Loss of job
Delay in or reduction of government benefits
Illness or death of a primary wage earner

I specialize in Armstrong County (Kittanning, Ford City, Elderton, East Brady, Worthington, Rural Valley and Templeton). Every single property located with in the Armstrong County lines is eligible for this loan.

Click here to find out if the property you're buying or selling qualifies.

Click here for Advantages of the 100% Financing Guaranteed Rural Housing Loan Program - Buy with No Money Down

To learn ways to help your credit score, click on 10 FREE Ways to Improve Your Credit Score and Raise Your Fico STARTING TODAY

If you want to see if you qualify, you can do so online by clicking here

Please contact me directly at 724-783-7180 or email me at jkladny@hotmail.com for more information. Thanks! JENNIFER KLADNY - Loan Officer - 1st Metropolitan Mortgage 115 East Pennsylvania Avenue, New Stanton, PA 15672.

Licensed by the Department of Corporation under the California Residential Mortgage Lending Act. Licensed by the Pennsylvania Department of Banking.

Google Analytics Tracking Code - Put it where?!?!?

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Mon, 28 Apr 2008 10:46:24 -0500

No pun intended!

I have my Google Analytics tracking code, but don't know what do do with it.

Can anyone help me with the following questions?

Can I use it on AR? If so, does it go on each individual blog? I put it under "blog description" as recommended in another post, but Google doesn't recognize it.

I would like to use it with Googles Blogger (which I have set up as well). I can't find where to put it there either.

Help! I am HTML stupid! Thanks! JENNIFER

10 FREE Ways to Improve Your Credit Score and Raise Your Fico STARTING TODAY

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Sun, 27 Apr 2008 17:30:06 -0500

Are you thinking about buying a house and have more time available than money?

Okay, I know, who really has too much of either? But, if you are serious about purchasing a home in the near future, why not start making improvements to your credit history now so you can buy that home of your dreams soon?

A higher credit score almost always means a lower interest rate when purchasing a home (or anything else for that matter). This means more money in your pocket instead of the banks!

We all know the basics of improving your credit. Pay your bills on time, don't max out your credit cards, pay past due accounts to date, etc. Heard that a hundred times, right?

Here are 10 of the lesser known ways to increase your credit score and improve your credit rating FOR FREE - and the best part is, you can start today.

1. Piggyback Someone Else's Good Account - If possible, have a credit worthy individual add you on to their account. If it is a credit card, for example, have them add you on as an authorized user.

Bonus Note: They don't even need to give you a card - their payments will show up on your credit as an account in good standing. Just make sure this person is actually credit worthy and pays their bills!

2. Do Not Close Unused Credit Accounts - keep any old accounts open, especially the older accounts. This establishes your credit history. Closing old accounts may hurt your credit score.

3. Pay Your Credit Cards Early - if you use a zero balance credit card to make a purchase, pay it off within a week of receiving your statement. This eliminates the charged balance from posting on the following month's credit report.

4. Ask for Credit Limit Increases - If you are close to your credit limit on a credit card and pay on time, ask them to raise your credit limit. This will increase your available credit and credit score.

Bonus Note: Put the card away and forget about it - no more charging on the card! Ideally, you should keep credit card balances at 1/3 of your credit limit.

5. Make Sure Your Creditor Reports to the Credit Bureaus - No every creditor you have reports GOOD PAYMENT HISTORY to the credit bureaus. They will normally report the bad. Ask them to report if you have a good payment history.

Bonus Note: Click here to pull your credit report for free. If you don't see your credit obligation on your report, call and ask them to report it. You pay them, right? It's the least they could do.

6. Keep at Least Three (3) Open Accounts - always shoot for three good, open accounts on your credit. The older, the better. Again, don't close old accounts.

If you aren't sure if you have 3 open accounts, follow this link to review your credit report.

Bonus Note: If you don't have three good, open accounts, pay attention to the next step!

7. Apply for a Secured or Annual Fee Credit Card - this is a great way to build credit if you can't get approved for standard credit card. Click this link to apply for a card.

Bonus Note: Understand this is the cost of rebuilding your credit. If you get an Annual Fee Credit Card, pay the fee off immediately. Any monthly fees should be paid off as soon as possible. Don't charge anything on these accounts. In three months, you will probably get a credit limit increase and see an improvement to your score.

8. Dispute Any Delinquent Credit Accounts - If you credit report is showing any delinquent accounts, call the creditor (their numbers are listed at the end of your credit report) and ask them for a written proof of the derogatory account. If they can't prove it, it has to go!

9. Ask for a 30-Day Late to be Removed - If you have a good payment history with a creditor and show one - 30 day late, call and ask for them to remove it. Chances are good they will.

10. Get Professional Credit Advice - using a credit counseling company can sometimes show up on your credit. It looks almost as bad as a bankruptcy (since it as viewed as you can't manage your own bills). Find a NON-PROFIT agency that doesn't report on your credit as a THIRD-PARTY ASSISTANCE AGENCY.

____________________________________________________________________

If you don't know what your credit looks like, I strongly recommend you check it today. You can pull your credit for FREE once every 12 months through each of the three bureaus. Click here to pull your credit for free!

The two most important things you can do before investing in a home are: Educate yourself and be proactive with your credit. You will be rewarded with an improved credit score and a better interest rate, which over the life of a 30 year fixed loan, could save your thousands of dollars.

To get an idea of what your payments would be using different interest rates and/or making extra payments, try this loan calculator.

If you have reviewed your credit and it doesn't look too bad or if you don't have much established credit - YOU MAY QUALIFY FOR A LOAN TODAY!

The Guaranteed Rural Housing Loan Program is THE ONLY 100% - No Down Payment Loan left. For more information and to apply for this exceptional loan, click this link.

I specialize in Armstrong County (Kittanning, Ford City, Elderton, East Brady, Worthington, Rural Valley and Templeton). Every single property located with in the Armstrong County lines is eligible for this loan.

To apply for this loan program or one of our many other low to no down payment programs, click here to go directly to the New Stanton 1st Metropolitan Mortgage website.

Licensed by the Department of Corporation under the California Residential Mortgage Lending Act. Licensed by the Pennsylvania Department of Banking.

My link button doesn't work in my blog posts anymore :(

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Thu, 24 Apr 2008 18:24:24 -0500

Why doesn't my link button work anymore (in WSYIWYG) when blogging?

I have searched the AR archives and can't find an answer to my question. So I guess I have to ask again for everyone to help me out.

I was trying to do by second, great blog and I can't put links in it. I did last time.

I drag the cursor over it and click on it and nothing happens. It doesn't even look "highlighted". I can still insert pictures. Did I click a button somewhere to disable this? Any help would be fantastic!

Linking to your blog on CL

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Thu, 24 Apr 2008 13:37:08 -0500

Do links to blogs on CL work?

I do a pretty decent amount of advertising on CL and was thinking about adding a link to a blog I recently wrote on the program I am able to offer to buyers.

I am sure many of you have tried this in the past. How have the results to the ads been?

I have been reading posts that the fancier the ads are, the worse the results, which I have duly noted myself.

Just wondered what others thought!

My First Blog with Photos and Links! Thanks to the info on AR!

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Tue, 22 Apr 2008 19:12:49 -0500

I am so proud! I figured out, with the help of other AR member's blogs how to put photos and links in my own blog. Here are the blogs I used that helped me out.

All the info I needed was provided by Kristal Kraft via the following two links. The first one is how to add pictures in your blog. The second one is how to link on Active Rain! She has been a huge help. Thank you so much Kristal!

For constructive criticism, please let me know what you think and what I can do to improve my blogging!

Click here to go to my blog.

Advantages of the 100% Financing Guaranteed Rural Housing Loan Program - Buy with No Money Down

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Tue, 22 Apr 2008 17:30:09 -0500

Guaranteed Rural Housing Loan - SIMPLY THE BEST!

The 100% Financing USDA Rural Development Guaranteed No Down-Payment Loan Program is one of the best programs available to borrowers looking for homes in today's market (I specialize in the Armstrong County, Kittanning and Ford City areas). Why, you may ask? Let me go over a few of the highlights of this wonderful little gem!

Highlights of the Rural Housing Loan Program

100% Financing (no down payment required) - buyers are not required to put any of their own money into the deal
No Mortgage Insurance (there is a one time 2% Guarantee Fee paid to Rural Housing that eliminate mortgage insurance). This fee can be financed into the loan.
No Prepayment Penalty on a 30 year fixed mortgage at rates better than those on conforming loans
Loan amount is based on the appraised value, not the sales price.
No Minimum Credit Score Required - this programs allows for non-traditional credit, offers common sense underwriting and an automatic approval if credit is 620 or higher
Borrowers are not required to have cash reserves and there is no minimum cash contribution by the borrowers

Does the house I'm buying or selling qualify for the Rural Housing Loan?

Most properties in Pennsylvania qualify for this program. Don't assume anything! A HOME DOESN'T NECESSARILY HAVE TO BE IN THE COUNTRY!

Click here to find out if the property you're buying or selling qualifies.

Am I or my buyer eligible for the Rural Housing Loan?

When considering income in this program, ALL income of the applicant, co-applicant and adult members (those over 18) must be taken into consideration. Again, don't assume anything! There are adjustments that can be taken into consideration. They are as follows:

Household Member	Deduction Amount
Each minor child under 18 years of age	$480
Each disabled or handicapped individual who isn't the applicant or co-applicant	$480
Each full time student 18 years or older	$480
Each elderly (62 years or older) or disabled applicant	$400
Child care expenses for children 12 years or under	Actual cost of care, supported by full documentation

Click here to see if your income or your buyer's income qualifies.

To learn 10 FREE Ways to Improve Your Credit Score and Raise Your Fico STARTING TODAY - click here.

If you find that your or your buyer or the property you are buying or selling are not eligible for the Rural Housing 100% financing - no down payment loan program, don't dispair. There are many other low to no money down programs available.

To apply on-line, please click here to link to the New Stanton 1st Metropolitan Mortgage Website.

Licensed by the Department of Corporation under the California Residential Mortgage Lending Act. Licensed by the Pennsylvania Department of Banking.

Can a buyer with no down payment money buy a house? They can through the USDA - Guaranteed Rural Housing Loan

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Mon, 21 Apr 2008 11:40:04 -0500

This is pretty common in this day and age. People want to buy a house, but they haven't save enough. Some of them haven't even saved a penny. What gives?

If you have a similiar situation, you may want to check in the Guaranteed Rural Housing loan. This is a great program and offers some of the following:

100% - No Down Payment

Low Rates on a 30 Year Fixed Mortgage

No Monthly Mortgage Insurance

No Minimum Credit Score to Qualify

Zero Credit Score is O.K.

Accepts Alternative Credit

Unlimited Seller Assists

No Minimum Contribution into the Transaction

I am able to do these loans in PA, but this program is available nationwide. If you want to see if the property you are working on is in an eligible area, you can check on the following website:

http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?NavKey=home@1

Check under Property Eligibility - Programs - Single Family Housing and get that house sold!

Can buyers with no down payment money still buy a house?

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Fri, 18 Apr 2008 09:39:50 -0500

This is pretty common in this day and age. People want to buy a house, but they haven't save enough. Some of them haven't even saved a penny. What gives?

If you have a similiar situation, you may want to check in the Guaranteed Rural Housing loan. This is a great program and offers some of the following:

100% - No Down Payment

Low Rates on a 30 Year Fixed Mortgage

No Monthly Mortgage Insurance

No Minimum Credit Score to Qualify

Zero Credit Score is O.K.

Accepts Alternative Credit

Unlimited Seller Assists

No Minimum Contribution into the Transaction

I am able to do these loans in PA, but this program is available nationwide. If you want to see if the property you are working on is in an eligible area, you can check on the following website:

http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?NavKey=home@1

Check under Property Eligibility - Programs - Single Family Housing and get that house sold!

How to work with a buyer with Little to NO Down Payment Money

Jennifer Kladny Loan Officer ~ Armstrong Co, PA (1st Metropolitan Mortgage) — Thu, 17 Apr 2008 11:16:33 -0500

Please don't think just because a buyer doens't have any or not enough down payment money that you can't get them financed for a loan.

If you have a buyer who has stable employment history and has paid their bills in the past 12 months, I may be able to help them regardless of their credit score.

Most properties in PA qualify for this loan. I would be happy to talk to any potential buyers you may have. Thanks! JENNIFER 724-783-7180

jkladny@hotmail.com