Jay Beckingham's (jayb) Blog

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Mortgage and Lending - Christensen Financial Mortgage - 385907
RECENT BLOG POSTS
I just got my USDA/Rural Housing Florida newsletter. Hey Charlotte, Lee, Collier Counties Catch the Wave The headline from USDA read Funds are available! "funding for this program is not affected by the current Congressional budget debate" Don't believe the rumors! Allllllllllright! USDA is issui...
03/15/2011
Why you may ask? and What is HomePath financing? I'm glad you asked. HomePath financing is offered exclusively by FNMA (fannie mae) for FNMA (foreclosed) properties. The program offers the homebuyer some "perks" which aren't available with traditional financing. they've sweetened the pot, so to s...
03/14/2011
Okay, I will not be able to address everything, but I'll try to cover the basics, kinda like bullet points, without all the bullet points. Tax Returns I want the last 2 years, ALL PAGES. Please don't leave any out, and notice I'm not asking for just the first 2 pages. Beware this is the time of y...
03/12/2011
That's me, or it could be. WHY? Because after over 30 years in this industry I still LOVE what I do. I've got to admit though I've heard a lot of whining lately, a real lot. Here's a couple of my favorite isuues. LO Compensation I've started to see some postings about "LO compensation." That woul...
03/11/2011
Well, why would I say that? Because I believe it's true, and it may be a well kept secret. Now, why would I think it could be a well kept secret? Because recently I've been speaking with Realtors and buyers in Charlotte County, who are either not aware that RD (rural housing) is available, or are...
03/07/2011
Haven't heard of the employment rate? Well if you take the unemployment rate and subtract it from 100% you get the Employment rate right? Now, before all you naysayers get all fired up, and start talking about "real employment," let me ask a few questions, and have you all address some issues, wh...
03/05/2011
Let's start with "the SCORES" Man, we have had these scores beaten into us as guidelines, as to what can get done and what can't. I've got to tell you that I've been around mortgage lending long enough...way long enough, to remember when there weren't any scores. It was all about the total packag...
02/14/2011
CNNMoney.com's Les Christie says, it's time to say hello to 5% loans Oh NO, what shall we do? To start, here's some numbers for you. At 4.25% a $100,000 mortgage generates a P&I payment of $491.94 per month. While at 5.25% that same $100,000 mortgage creates a P&I payment of $552.20. Without gett...
02/11/2011
Nice # These things are all relative and compared to where we've been 9% is a nice number. I mean in December it was 9.4% Before you all get started with the BUT If we want to receive any benefit from the analysis and/or comparison we need to compare these numbers as they have been traditional ca...
02/08/2011
Come on don't play coy with me. You know what I'm talking about. It's SUNNY again today This is just not my fault. I was hoping for some of that freezing rain As I remember from living all those years in NH you can kinda just slide around uncontrollably. Sounds like fun. BUT Noooooooooo, we get S...
02/05/2011
Rainmaker
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