RECENT BLOG POSTS
    Every day we hear horror stories about customers that went to a lender that offered them a fabulous rate and/or low closing costs.  And every day we get calls from those customers that turn to us for help.  We have to first qualify them, then process and close a loan in a very short time.  Wh...
10/08/2008
  HERE'S THE SCOOP ON HOW TO DO IT RIGHT   First: make sure that you are working an experienced, professional loan officer. The largest financial transaction of your life is far too important to place in the hands of someone who is not capable of advising you properly & troubleshooting the issues...
10/01/2008
         Ladies and Gentlemen, I received about 20 calls yesterday in reference to the market and concerns both personally and professionally. Please remember that the reason many lenders will weather the storm is the fact that a majority of the loans we are originating are FHA secured by the FHA...
09/30/2008
    Back by popular demand the best school of real-estate is giving it free marketing class. The seminar will be held by renowned sales trainer Thomas Marinaro. The Free Seminar titled Cheaper by he Dozen shows how to get buyers without spending money! This semiminar is usually only given to top ...
09/29/2008
    More and more realtors are doing price reductions to some activity on properties.  Instead of do price reductions we're advertising "FREE GRANT MONEY FROM THE STATE".  It's a win, win for all sides the seller gets the best price for his home...the buyer  gets FREE MONEY FROM THE STATE and the...
09/28/2008
       I was having coffee with a broker/owner one day when he got a phone call.   He said "I can't believe it" it turns out he was at the Dunkin Daunts in Newark and before he left he gave his card to the both cashiers.   I've seen him do this over 100 times he always says if you are looking fo...
09/28/2008
     I can't tell you how many deals get hurt or killed by people paying off collections.  Many loan officers and realtors tell customers to pay off collections to increase their FICO score.  You are admitting guilt when you pay off a collection and your fico score will drop.   This is a short te...
09/25/2008
    Raising your credit score is a bit like losing weight, it takes time and there is no quick fix. In fact, quick-fix efforts can backfire. The best advice is to manage credit responsibly over time. Follow these suggestions from Fair Isaac Corporation, the creators of the FICO score.   •1.      ...
09/25/2008
  Part of the science of credit scoring is determining how much debt is too much:   If you owe more than 35% of your available balance on your revolving debt your fico will be affected.  So if you have a 1,000 limit a 500 balance will negatively affect your FICO score. Here are some other factors...
09/25/2008
With the realestate market bing what it is I want to share some great freebies Free TV & Movies: Full episodes of more than 300 shows from NBC Universal and Fox stations are available on www.hulu.com. The site also offers over 165 free full-length movies in a variety of genres. In addition, othe...
09/25/2008
Rainer
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Bernard "Bernie" Hartigan

local_phone(973) 463-4406
smartphone(973) 699-0378
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To exchange ideas and share experience’s of realtor’s and mortgage professionals.