Mortgage Planning Solutions

Mortgage and Lending - Brian Kludt Mortgage Team / Waterstone Mortgage
Housing and Economic Recovery Act of 2008... Gotta love Uncle Sam.  In an effort to kick-start the housing market, a key provision of the Housing and Economic Recory ACT of 2008 provides a TAX CREDIT to 1st time Home Buyers - Up to $7500!  For those of us who are income-tax code challenged (99.78...
Ahh, had I only known 10 years ago what I learned 5 years ago.  Incredible growth can come from what appears to be total failure.  I've been a firm believer that the only thing we can control is action, not outcomes.  The following illustration exemplifies this theory.  In 2003 I ran a marketing...
According to Seth Godin in his outstanding read, Meatball Sundae, "Human beings hate to make comittments, because commitments represent risk, and risk is frightening."  I'm convinced this is a truth we need to embrace daily in our efforts to sell more homes and close more loans. We're not in the...
Much to the shagrin of many local lenders, WHEDA's appetite for condos has weaned considerably.  In the rapidly changing loan environment, WHEDA appeared to be a haven for 1st time condo buyers with low down payments, allowing for as little as 5% down.  Given the rising surplus of condos , howev...
Monday, March 31, 2008 Funny how things have changed literally overnight. The media and purveyors of reflection wisdom have pointed their accusatory fingers at the housing bubble, loose lending standards, etc. but I think a longer look-back is in order.In 1998 when I entered the industry we were ...

Brian Kludt

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Reflection and insight into the world of mortgage financing