Musings and Thoughts from Western Colorado

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Mortgage and Lending - Major Mortgage USA/Branch Manager
A collection of random musings and thoughts about Mortgages, Real Estate and Western Colorado
RECENT BLOG POSTS
  I get this question to many times a day, but the honest answer isn't so easy.  A lot of Realtors and others will tell you if you can save 1% off our rate then it is a "no brainer".  I will respectfully disagree.  We need to take a hard look at other factors. How long are you planning to stay in...
09/17/2009
4 Comments
  As some of you may know, I just listed my home for sale.  I know, there is too much inventory and all the reasons not to list right now since I am not "desperate" to sell.  Truth is I don't care if I sell or not right now, but it would make my world a little easier to live in if it would sell b...
05/26/2009
On Friday, as you know, my home went into the MLS and I know you saw the listing.  But did you really look at it?  After all, approximately 45 minutes after it us uploaded into the system you started making comments that it is 20% to high! So, Mr. Realtor did you really look at the listing?  I kn...
05/26/2009
Today as I visited with Realtors I was struck my the universal tone of what they tell me the consumer is saying "How low are rates going to go?" and "We are waiting for the market to BOTTOM"  So, my natural question is "how will you know when the market has hit the bottom?"  Will the Talking Head...
03/31/2009
Just when you thought you had the credit scoring system all figured out along comes FICO 08.  Now we all know with all the changes in the lending world that credit socres are so overly important and we are all looking for ways to help our clients maximize their scores and actually FICO 08 just mi...
03/19/2009
You know, that listing of yours that is really not so bad but is so outdated or the kitchen or any part just kills all maybe might have some interest.  If some one could just see all that potential you will have a happy seller and we know the seller doesn't have the money to fix it up or they "do...
03/02/2009
 Are you much like me and all you hear is political talk on how to do this and how to do that?  Has any elected public offical actually put forth a "plan" that actually has details?  What about the talk about "temporary nationalization" of the banks? How about something that doesn't include lower...
02/23/2009
I Listen yesterday to Mr. Obama's little speech laying our his "plan" for the housing mess and kept wondering were the little old lady from the Wendy's ads in the 80's  "wheres the beef"   After all, HOW are "WE" going to do this?  A little while back when the "sub prime"market was imploding we r...
02/19/2009
 Yes, that is the response I just received from a Realtor at almost 7 pm local time.  This Realtor called me at 4 something when I had a client in my office and as I was walking out the door at 5 for a meeting I was given the message.  Now the question is why that response?  and Do you get the sa...
01/15/2009
There are many stories out there this week that we will be at 4.5% soon..... according to an article in the WSJ yesterday.  The article goes on about how this will be for "new home loans".  Will it happen?  No one is really sure and I bet you are getting that question from your buyers......  5% t...
12/04/2008
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Joe Adams

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