Musings and Thoughts from Western Colorado

 I have had some interesting conversations the last few days about what is our core business and for those of you that have read my last post you might guess what my answer is, but lets look at what some of the answers I have received to the question.What is your core business????  Dear Rainer's ...

 I can tell you where it is not.  That would be what I received this weekend.  Sit back my friends and let me spin you a tale of the goofiest weekend I have ever enjoyed in customer service.  The tale starts on Friday Morning, I am scheduled to pick up a van from a car rental agency that the Scub...

Wonder if this picture is how the public views Mortgage Brokers right now, I am sure this is how Congress and the Media are portraying our profession.  First lets use dictionary.com and define TRUST.  A reliance on the INTEGRITY, STRENGTH, SURETY, etc of a person or thing; CONFIDENCE.  By looking...

There have been literally millions of words written on credit scores and most break down your FICO score into percentages, but what does say 35% of your score really mean.  Lets break it down into the 5 Categories that make up your FICO Score.   We will use 850 as the perfect never seen and ain't...

   is the opening line of a memo I just sent to one of my loan officers that is under achieving.  The other day you said that all the emails regarding the loan programs and all the changes were confusing, yet you have not come to me for assistance.  We spend a lot of time talking about marketing ...

now there has been thousands of words written on Active Rain about the "Mortgage Meltdown", "Sub Prime Mess" and what other name you wish to use for what ails our profession at this moment.  The crazy thing is that the wonderful State of Colorado has new licensing requirements of which I have mor...

Waiting for Coach to put you in the game? (singing "Centerfield" by John Fogerty)    Or maybe you are standing on the sideline HOPING to be noticed by the coach?  Do you have all the right moves in practice?  But you just can't get in the game?  Maybe it is time to ask yourself a few hard questio...

The other day or last week one of my Loan Officers inspired the post http://activerain.com/blogsview/234089/-I-don-tand today as I was stuffing the last of 400 envelopes that I am mailing out to refinance prospects I got to thinking about that conversation again. It does not matter if you are a R...

I received this email today and with permission am sharing our email conversation.  This is a topic as you know near and dear to my heart.  Manufactured homes, like FHA financing, scare people.  I think it is because there are to many people out there that don't know the programs and won't take t...

 Debbie Mitchell wrote this post http://activerain.com/blogsview/240776/First-time-Homebuyers-Handleand I would love to expand on her thought some.  If we as professionals take the time to treat every client as this is their first transaction, I wonder how many more referrals we can get.  Think a...