Adrian Cox's (adriancox) Blog

 The Federal Mortgage Disclosure Improvement Act (MDIA) goes into effect on 8/1/09.  This new Act applies to all applications dated 8/1/09 forward.  The easiest way to understand the concept of MDIA is to think of it this way.  Purchase loan borrowers now have the same protection as a refinance b...

The ability to determine a property's value in structuring a real estate transaction has always been important. In today's market, it's more important than ever. Zillow.com, Trulia.com and other online resources are helpful, but make sure you're using multiple data sets to establish the prelimina...

George Harrison was so right when he penned that song. Lyrics below: I guarantee that if you read the words and think of the melody in your head, your attitude will improve right away!  I know I'm not the only one who feels this way, but I am eliminating as much of the doom and gloom media as pos...

Obama Unveils Homeowner Affordability and Stability Plan President Obama unveiled his plan to help stabilize the housing market and keep millions of borrowers in their homes.The Homeowner Affordability and Stability Plan includes two initiatives to help struggling homeowners. One is a refinancing...

I understand that when things look bleak, it's easy to ignore the situation and hope for the best. I have spoken with three different families in the past week that are having trouble making the payments on their mortgages. Unfortunately, due to the general state of the economy, there are many fo...

Sadly, I wasn't the one with the relationship. Here's the story. A few weeks ago, I was contacted by a young lady who wanted to buy a home with her boyfriend. On December 15, 2008, I pre-qualified their application for an FHA purchase and she informed me that she would be shopping the deal to two...

I heard this phrase recently and after mulling it over, decided that this phrase can apply to many parts of our lives, both personally and in our careers. Many of us fall into patterns, habits, and ruts. Sometimes we're fortunate and those auto-pilot patterns give us a level of success. Those pat...

I first met Barry when he was working at First Equity Mortgage in Catonsville in 1998. We did some business together and became friends, sometimes meeting with our wives for dinner or a movie. I am looking forward to moving to the retail side of the business and working with Barry at PRMI. Funny ...