Jay Beckingham's (jayb) Blog

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Mortgage and Lending - Christensen Financial Mortgage - 385907
RECENT BLOG POSTS
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Sometimes when I read postings and/or comments online all I can think is WOW Did they really say that? for all the world to see. YUP! Here's a few thoughts you might want to have, before clicking send. If someone googles you, this is what is going to show up, your recent comments. Whatever they m...
05/02/2011
Inman News reported yesterday that Fair Issac, the company that brought you FICO scores has developed a system to predict which homeowners are the most likely to engage in a strategic default, that being homeowners who have the ability to pay, usually a good credit history, but still choose to wa...
04/29/2011
It seems like just a couple of years ago one of the big stories in Southwest Florida real estate was the great inventory glut. Why we had so many homes listed for sale it would take forever for all the homes to sell, and that was if there were no more listings. What a difference a few years can m...
04/28/2011
why do I blog? let me count the reasons. It seems, and I imagine appropriately so that most "bloggers" blog because it's part of their marketing plan. Okay, that makes sense. "the rain" supports this idea, I believe, as they are constantly posting pictures of members holding checks, with big smil...
04/14/2011
It just got better? Yes it did! If you're not familar with Fannie's Homepath program let me help you out here. If you are here's a refresher, with some new info, and a great new option. Fannie Mae offers the Homepath program for their foreclosed properties. They currently hold approximately 162,0...
04/13/2011
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Acquire a mortgage that is. In a recent article, Les Christie of CNNMoney.com writes, Prices are low! Mortgages cheap! But you can't get one Well to that I say horsehockey! I was thinking about another expression, but ruled it out. I'm just so tired of the negativism and dishonesty of our nationa...
04/06/2011
Okay, the battle over Reg Z changes (Loan Officer Compensation) is over, maybe not totally, but the newest changes are effective NOW, actually yesterday. Here's some simple facts (as I see them) Less Competition Previous to last year, as regulatory changes forced me to acquire a mortgage brokerag...
04/06/2011
So says JPMorgan Chase's CEO Jamie Dimon at a U.S. Chamber of Commerce forum in DC, last Wednesday. "Principal writedown for people who could pay their mortgages? Yeah, that's off the table." Quote, Unquote (for emphasis, and clarity) Here's one man's opinion (mine), and I will attempt to make it...
04/04/2011
Disclaimer; this is just one man's opinion. In this case that man, being me. Also always remember FHA insures loans, FHA does not fund loans, are you gettin it? In case you didn't, it's still the lenders $$$$$. I'm going to use a 580 score as the new acceptable low point for FHA approvals. Frankl...
03/24/2011
Maybe it's just me, but often I take some time to reflect upon what I (we) do and the consequences or the end results of what I do. I was reading Carmine Gallo's book, "the Innovation Secrets of Steve Jobs," and I was struck by Jobs desire for Apple to make positive changes in peoples lives, to e...
03/18/2011
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