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For most kids, heading back to school is an exciting time. It’s a chance to reconnect with friends, see new classrooms and experience the accomplishment of moving up a grade level. Read More
The 2016 J. D. Read More
Among the benefits members our armed forces receive for their service is access to the VA loan program, which helps finance homeownership. These loans tend to be more attractive—in terms of rates, credit requirements, down payments, and refinancing—than those available to nonmilitary homebuyers. Read More
It’s always good news when a marketing plan you’ve put together for a client works so well that the home receives multiple offers. Once it has, you are in a much better position to help the seller make the most of the situation. Read More
Members of the Millennial generation (born between 1980 and 1998) are on the move, with a growing number moving into homeownership. During  2016, they accounted for 34% of homebuyers according to The National Association of REALTORS® (NAR) Home Buyer and Seller Generational Trends Report 2017 Where They Are Headed After flocking to urban areas as single renters, many Millennial buyers indicate they are headed to the suburbs and beyond. Read More
Just reading the word “vacation” may be enough to make you feel more relaxed. Imagine if helping clients find the perfect vacation home were a regular part of your real estate practice. Read More
Many homeowners plan for retirement by assuming they’ll want to downsize when the time comes. However, as they near that point, they may feel differently. Read More

Ever wonder how life might be better as a homeonwer?

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Whether you live in a drought-prone area, want to reduce your utility bills, or wish to simply lower your environmental footprint this summer, there are many small adjustments you and your family can make to reduce your water and energy use. Water You Waiting For? Depending on where you live, you may not have given your water habits much thought. Read More

As much as Real Estate Agents would prefer to give at least a full day's notice before each showing, often that just isn't possible. So, how can you be ready on short notice?

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Once you decide homeownership is in your future, getting preapproved for a mortgage and engaging a Real Estate Agent may be among your next steps. They shouldn’t be your first steps, however. Read More
Are successful Loan Officers born or made? Perhaps it’s a little bit of both. The profession definitely benefits from certain key traits, including a special blend of self-confidence and competence along with an engaging personality. Read More
After the initial excitement over the arrival of the acceptance letters, the reality of having to pay for college sets in. While there are many scholarship opportunities and other financial aid sources, there may still be a gap between what is needed and what you’ve saved and the school offered your child. Read More
When you are about to make the largest purchase of your life, you need someone who will not only find you a low rate, but who gets the significance and wants to help you succeed in the most affordable way possible. After all, the terms of your mortgage will impact your household finances for years to come. Read More
Congratulations and welcome to your after-college years! As the saying goes, your future is ahead of you. To make the most of this world of opportunity, and to get closer to achieving the dream of homeownership, it helps to have  control over your spending and to start saving early. Read More
When you're interviewing for a job, it’s common to be asked a series of behavioral interview questions and even to take a standard Myers-Briggs test. For a potential employer, understanding your tendencies, interpreting how you make decisions, and identifying the circumstances most likely to stress you out helps determine if you are a good fit for both the company and the position. Read More
It’s no secret that the use of student loans to pay for college has mushroomed, so much so that 41 percent of first time homebuyers currently have student loan debt. Many more potential  first time homebuyers are actually delaying homeownership—71 percent—because of concerns involving their student loans. Read More
  As the next wave of investors decide they’re ready to make the move from residents to landlords, there is an opportunity for you to demonstrate your expertise in meeting the needs of this client niche. Many would benefit from a better understanding of how the shift changes their financing options and the underwriting process. Read More
A popular TV show involves a designer competing with a Real Estate Agent for the heart and finances of the featured homeowners. The designer offers a remodeling plan—within the homeowner’s budget—to address as many of the things about the home that led to considering a move. Read More
Clients who express an interest in buying a green home may do so for different reasons. Some may be singularly focused on the cost efficiency of the home. Read More
Whether clients are buying or selling, sometimes it can seem like the pets are in charge. A recent National Association of REALTORS® (NAR) survey indicates that may not be as much of an overstatement as you think. Read More
Whether it’s a larger kitchen for future holiday entertaining or a wave of inspiration after visiting your in-laws’ new condo, you may find yourself ready to make some changes. Replace Versus Remodel When it comes to updating your home, the first question you need to ask yourself is, “How long do I plan to stay in this house?” You may be in your home for the duration, which means customizing it to your needs and personal tastes makes sense. Read More
Many people have the idea that being a landlord is as simple as quitting your day job and collecting checks every month. Don't let this day dream fool you. Read More
Hispanic Millennial homebuyers are set to be a dominating force in the mortgage industry. However, many Loan Officers have failed to connect with this crucial demographic, and as a result have missed out on increasing their business volume. Read More
Previously considered nontraditional buyers, single people now account for 24 percent of home purchasers. The decision to own alone crosses all age groups from young, first-timers to a growing number from the 55-and-over category. Read More
Can your position in the birth order of your siblings—or not having any siblings—influence your money management style and the decisions you make around finance? Numerous academic studies—stretching over several decades—provide support for a link between birth order and money-management skills. It may not be a perfect fit, but it is a statistical one. Read More
While hosting an open house remains a tried-and-true way of connecting with qualified buyers and generating new client leads, results can vary. “An open house is not just about the house, it is an opportunity to grow your sphere of influence and build a stronger farm area. Read More
As the saying goes, it takes a village. That’s the idea behind crowdsourcing, which has become an increasingly popular way for Real Estate Agents to harness the communal power of the Internet to help manage and market their businesses. Read More
FHA Cuts Mortgage Insurance Premium Are you looking to buy your first home or refinance your existing FHA mortgage? Now may be the right time to lock in your rate. The Federal Housing Administration has decided to reduce the annual mortgage insurance premiums by 0. Read More
If 2017 is the year you plan to make your big move—whether it’s into your first home, trading up to your dream home, adding a vacation home, or starting to accumulate an investment property portfolio—here are 10 resolutions that can help you get that much closer to achieving your goal over the next 12 months. Making Yourself at Home in 2017 1. Read More
In honor of National Trivia Day, here are some facts about homeownership that may surprise you…or at least they will provide you with trivia to use throughout the day. 1. Read More

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MBS RECAP: That Escalated Quickly, But MBS Recovered Fairly Nicely

Posted To: MBS Commentary

That Escalated Quickly, But MBS Recovered Fairly Nicely After weeks and weeks (6, to be specific) of extraordinarily calm and narrow trading ranges in ultra-low-yield territory, the bond market has suddenly decided it's time to jump back up toward higher yields. The move is fairly large, abrupt, and serious. It was made all the more serious by the most terribly botched NFP forecast in history. So are the good times over? Econ Data / Events 11:30-11:50 AM (ET) - Fed 30yr UMBS Buying Nonfarm Payrolls: +2.509m vs -8.000m forecast (biggest beat ever, by a wide margin) Unemployment Rate: 13.3% vs 19.8% forecast, 14.7% previously Market Movement Recap 08:16 AM More pain overnight as the broad recovery mentality barrels ahead at full throttle. Stocks surged. Bonds utterly capitaluated (there was...(read more)

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CFPB Warns Servicers and Lenders to Adhere to CARES Act

Posted To: MND NewsWire

A joint release from the Consumer Financial Protection Bureau (CFPB) and the Conference of State Bank Supervisors cautions mortgage servicers about their obligations in complying with the Coronavirus Aid, Relief and Economic Security (CARES) Act. The Act includes provisions granting a right to forbearance to mortgaged homeowners impacted by the COVID-19 pandemic. Under these provisions, servicers of federally-backed mortgages including those from the GSEs Fannie Mae and Freddie Mac as well as FHA, the VA, and USDA must grant forbearance to borrowers with pandemic-related hardships for as long as two consecutive 180-day periods during the National Emergency declared in response to the outbreak. Servicers are advised by CFPB and the Supervisors that they can approve a shorter than 180-day plan...(read more)

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