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You have probably guessed a construction to perm has something to do with, well, construction. You would be correct. In fact it is the term for a type of bank loan. In this case it is bank financing of the construction of a home. If the term perm is confusing it's really quite simple: this loan w...

By NOW! I mean if you have not called a loan officer to get qualified, found a property and made an offer you're dangerously close to missing the First Time Home Buyer's Tax Credit. I know what you hear in your mind, "it's good through the end of November." You would, of course, be correct in so ...

While for the last several years I have been blogging as partner and "President" of a busy but small mortgage lender licensed in Georgia, Florida and for a time North Carolina things have changed mightily over the last few weeks. Many of you knew I was considering mothballing my Novation Mortgage...

I have seen a blog post and it has been reposted that gives the impression the federal First Time Home Buyer's Tax Credit has been extended for 12 months. Actually it has not yet been extended. Only the house has voted on a resolution titled "The Service Members Home Ownership Tax Act of 2009" wh...

Some years ago I had an agent to whom I referred a lot of business ... seriously a couple every month. She got in with "Dr. Morton" on their close-out list and we were moving a couple of units per month to clients I had generated with my advertising. Suddenly it became a problem for MY BUYERS who...

Fifty years ago this past August I was born in the same hospital where decades later my children would be born and I would say good-bye to both of my parents. I remember when there was no Interstate highway, only six government high schools and the fire department was all volunteer. That was befo...

Ask ten mortgage people that question and you will likely get ten different answers. In fact ask me on ten different files and you'll get ten different answers! Just a few weeks ago I easily closed a refinance in eight days and a purchase in 13. Yes, 13 days. Can it happen today? I don't know - w...

As many of you have noticed, several emailed or called, I have not been very active from the mortgage standpoint for the last several weeks. Those of you who have known me for a while have known me as the outspoken, painfully honest lender from Novation Mortgage in Atlanta, Georgia. After almost ...

Money Maker - noun - the website where you actually convert surfers to prospects and prospects to customers. Most people do not consider it a "waste of time" to use new media resources, like Active Rain, to build their network of associates, providers and clients. Many AR users have already seen ...

Sure, I can start with the basics. TweetGrid is a web based solution for watching multiple, filtered streams from Twitter. For example I have used TweetGrid during the Presidential Debates to track up to six hashtags. Today I am using TweetGrid to track six relevant to NFL Football Twitter stream...