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Services for Real Estate Pros - Al Rodenburg
Well, we continue to see change. Too bad none of it appears to be helping the consumer. We continue to hope that the monies provided to the major banks will provide the emotional climate for bankers to start loosening the proverbial purse strings.
An Email Tip that Will Get You Higher Responses by Christine Kane One is a scary number in your business. In fact, one of anything biz-related can be a surefire path to failure.One employee running the show? What happens when that person has an emergency or has to quit for some reason?One major c...
As regulators salivate over another 4 years of a government oriented administration - anyone involved in lending is probably taking more antacids. The amount of paperwork to lend to the consumer has become staggering and the potential for compliance issues (rules keep changing) skyrockets. Howeve...
Although the markets expressed a lot of excitement about the fiscal cliff "deal", expectmortgage rates to come back down as there is growing realization that : a. the "deal" added $4 trillion in debt to an already staggering deficitb. the "debt ceiling" looks to be another thorny partisan fightc....
In a time when mortgage loan programs are becoming more and more strict and harder to qualify for - there is some good news. Besides historically LOW rates, there are: 1. 100% Physicians (MD) loans (up to $750,000) - with no mortgage insurance (PMI)2. 100% VA (veterans) loans (to $417,000) - also...
Well, as I sit here and read what's going in DC (re: the "fiscal cliff") and all the things that are going on to deal with this issue (and all the things that are NOT being handled; can you say $7/gallon MILK!)... it makes me sad for this country. As an Immigrant (from Holland aka The Netherlands...
It's interesting as I sit here and Quote Purchase loans vs. Refinance loans. For example: on a 15 year fixed - $200,000 purchase The Note Rate is 2.625%; we can close in 30 days; and I can give the Borrower a credit to pay for the appraisal (at closing). (there are incentives to bring in new purc...
If you like LOW rates, then the election results are your thing. Yield on 10 yr bond down to roughly 1.63% - near historic lows; stock market down 314 points as of a few minutes ago...what could be better, right? Well, I'll leave you to ponder "what" could be better. Regardless, let's pray that t...
It's hard to predict; we have folks that say we're coming off the bottom of the housing crash, but ...It is a matter of perspective. New home construction is still barely half of what a normal market would look like. Existing home sales are coming off lows from last year. Basic data is mixed and ...
Even though I'm busier than I've been in 17 years in the business, I sense that there are a lot of folks doing loans that are not that busy. I have the good fortune to be in a stable / improving market (Houston / Spring / The Woodlands , TX); but in talking with friends around the country - they ...
Interest rates? A reflection of economic strength? Yes, you could say that. Currently we have historically LOW mortgage interest Rates. Higher rates would indicate a strong, vibrant economy. Yesterday I quoted a 30 year fixed (FHA) rate that was the same as a 15 year rate(early this year) -I coul...

Al Rodenburg

Al Rodenburg - Public Speaker and Coach
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Thoughts on the continuing evolution of the mortgage industry.