Jane Penttinen's (jane_p) Blog

Mortgage and Lending - V.I.P. Mortgage
Once upon a time, in the land that banks forgot. . . . . .getting approved for a mortgage loan was quite a different and more human process.  Your loan application was completed by hand and every box was filled out Your employment was documented with a written Verification of Employment - no pay ...
Is IT Point Worthy?  I've been thinking about that little phrase quite a bit and it dawned on me how many parts of my day revolve around points of one type or another. In my business, I very often get a phone call that starts out with Loan Client - "Hi!  I need a mortgage.  My credit score is exc...
I grew up as a "Coast Guard brat".  My dad served for 20 years and we moved around a lot (to say the least).  I went to 15 different schools before I graduated from high school.  We lived all the way from Maine to Hawaii and lots of places in between. But the coolest house I ever lived in was Gra...
I woke up in love this morning!  IN LOVE with the beautiful desert!  We are finally well into our rainy "monsoon" season in Tucson.  During a good year we get 11 inches of rain - all year!  Most of that rain will come during the summer "monsoons".  For some reason this year, we have not seen hard...
Short sales - they can't cut your commission IF. . . . .the loan is owned by Fannie Mae!  Fannie Mae issued a memo last FEBRUARY that said the servicing lender cannot require the realtors to cut their commission below what was negotiated between the seller and the listing agent unless it was over...
Castaway Kids needs help from Hurricane Jimena.  Castaway Kids is a non-profit organization made up of people from the United States, Mexico and Canada.  These are people who have winter homes in San Carlos, Mexico.  What I love about this organization is 100% of all donations goes directly to th...
As a loan originator with a strong underwriting backround, I am pretty much a numbers kind of person.  I like numbers and I like making them work.  And many times, they are just plain fun.  So here's some fun for Wednesday.  What will you be doing on 09/09/09 at 09:09? At 09:09 a.m. I will most l...
It just doesn't get any better than this!  My grandchildren live in Frisco, Texas and we live in Oro Valley, Arizona.  We get to see them several times a year and this holiday weekend they came to play at Granny and Poppa's house. Our daughter and son-in-law were attending their 20 year high scho...
    You need to monitor your credit three times per year to check for the possibility of identity theft.  I'm sure you know that, by law ,you are entitled to a free credit report once each year.  But, did you realize that means you can actually monitor your credit three times per year - once, thr...

Jane Penttinen

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smartphone(520) 237-8430
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