Ryan Sharratt's (stingee) Blog

I just wanted to drop a quick note to say while the holiday season is coming many poeple on commsission based income forget about there reserves they need. The hardest thing to do is to keep 6 months reserves in your bank account for any hard times that you may encounter.  But it is well worht it...

I attendended the Sales Mastery event in CA, last week and it changed my life.  We had some very special guest speakers, and the event was hosted by Todd Duncan.  I recomend anyone that can go, to do so.  Check out Todd Duncans Books: Time TrapsHigh Trust Selling Check out some other book titles ...

I have recently been asked what are the different ways a borrower can get a loan.  Here we go in a nut shell!! Full DOC - Pay stubs, last two years taxes, bank statements, retirement account information.Stated DOC - Either a Wage earner, or self employed.  They have proof they are self employed (...

Borrowers Profiles Lets first talk about what makes a borrower an "a", "b", "c" or in some worse cases, a "d" loan.   As lenders in the past few years have determined that a person with a 720 credit score, and can fully document their income would most likely constitute an "A" borrower. Some lend...

Is a vacation house good or Bad?  Lets analyze this question a little further and journey deep into thought.I have a vacation house.  It is in Ocean Shores, WA.  Why Ocean Shores?  The golfing there is awesome.  And the proeprty tax is so low it is almost non existant.  My insurance is low.  Why ...

Please blog your questions and i will respond to them.  If i dont know the answer, i will find it.

Research is an important component of any large transaction.  Im sure youll agree that a home mortgage is one of, if not the largest financial investment a person will make in their lifetime.  Im sure youll also agree that given the importance of this investment you would want an industry profess...

What is the home buying Process? How Purchase Loans Are Made:A Step-By-Step Walkthrough 1.   Pre-qualification Lenders are encouraging buyers to get pre-qualified for a mortgage even before they begin looking for a house. This way, buyers know ahead of time how much house they can afford. 2.   Lo...

Do you really have a plan? Planning for ones estate can appear daunting and complicated.  It doesnt have to be.  In the skilled hands of a professional, all the pieces of successful estate planning can be put together like the pieces of an infants wooden puzzle.  The biggest difference being that...