Your 1st Step to home ownership BLOG

Picky First Time Homebuyers Losing Out on Great Housing Deals?  What do you think?   Check out this article....It is apparent that different geographic areas certainly have different demographics.  In our area most first time homebuyers still meet the FHA, RD and VA loan limitations with maximum ...

Mortgage payments - How they work When escrow is used, a monthly mortgage payment is called a PITI payment. That's because each one covers a portion of the following four costs: Principal -- the loan balance   Interest -- interest owed on that balance   Real estate Taxes -- taxes assessed by diff...

  Purchase :          Conventional: 2 days (due out by the end of business day Wednesday 02/23) FHA: 2 days (due out by the end of business day Wednesday 02/23) VA:  2 days (due out by the end of business day Wednesday 02/23)                                                                        ...

Customer Service is not a department...it's an ATTITUDE AND A CULTURE! Remember: Customers don't care about how much you know, customers care about how much you care.

Teacher Debbie Moon's first graders werediscussing a picture of a family. One little boy in the picturehad a different hair color than the other members... One of herstudents suggested that he was adopted.A little girl said, 'I know all aboutAdoption, I was adopted..''What does it mean to be adop...

What will generate more clients for you?  Here's the sentence:  People will do anything for those who encourage their dreams, justify their failures, allay their fears, confirm their suspicions and help them throw rocks at their enemies.  Use this in your marketing.   I believe we are all able to...

FYI:  FHA has increased Annual MI premiums across the board by .25% effective with case numbers issued on or after 4/18/2011.   They are also creating new case number ordering procedures and an automatic cancellation policy that is designed to stop case number hoarding.  Credit Policy will be rel...

Owners and managers have a  huge responsibility in making sure their firm moves forward.  Often, the choices they make around their staff are the biggest factor in whether they are successful or not.   Having the right employee in the right job results in happier and more productive employees, hi...

  Word to the wise Do you know if your client was happy with your performance?    Statistics indicate that 90% of all unhappy clients generally do NOT tell you their true feelings.  You may feel that you did a good job, jumped hoops, pulled out a miraculous deal, have extensive knowledge and util...

WASHINGTON - Over 12,000 free tax preparation sites will be open nationwide this year as the Internal Revenue Service continues to expand its partnerships with nonprofit and community organizations providing vital tax preparation services for low- to moderate-income and elderly taxpayers. The IRS...