Daniel Smith's (mortgagebydan) Blog

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Mortgage and Lending - First Priority Financial
RECENT BLOG POSTS
Allied Home Mortgage Capital Corporation is the first national lender to offer the H.E.L.P. program to their borrowers. Allied's goal is to help families buy homes and help them adapt to homeownership. One of the reasons first time home buyers get in trouble is their inability to adapt to owning ...
03/09/2009
"Good news! Interest rates on home mortgages are dropping below 4.500%.  And, thanks to the Fed, they'll remain there until Summer."  So says the spin coming from the media.  Since the media isn't in the business of creating fiscal policy, how could they possibly know this?  They're making a pred...
03/09/2009
As we head north of 2 Trillion dollars in economic stimulus, many denizens are excitedly expecting.  Unfortunately, the average American isn't in line for a bail-out.  In his testimony to the Senate Banking Committee, Fed. Chairman, Ben Bernanke stated it pointedly, "If there is one message that ...
03/09/2009
If drastically reduced home values and extremely low interest rates are not enough to entice a homebuyer into this Real Estate market, perhaps the $787 billion American Recovery and Reinvestment Act may help. Tucked quietly away within this massive stimulus package is an $8,000 tax credit. To qua...
03/09/2009
In 1958 Fair Isaac and Company sent a letter to the 50 largest credit granting institutions in America asking for an opportunity to present a new concept, credit scoring; only one responded.  Cogitate on that. There was a period of time when applying for a loan didn't involve a credit score.  A p...
03/09/2009
Wow, it's fascinating to me that it was the S&L crisis of 1987 that gave rise to yield spread premiums and loan brokers, and the housing crisis of 2007 could be the end of yield spread premiums and mortgage brokers.Deja Vu.If you are a mortgage broker in the WA State area, you need to schedule an...
11/13/2007
It seems so simple doesn't it?  You hold an open house to attract buyers and once they arrive, you dazzle them with a fresh cookie, a catchy flier, and a powerful business card.  After all, that's the point isn't it, landing that business card into their hot little hands? But how powerful is that...
11/13/2007
As professionals it is our duty to not only close deals that make all parties happy, but also come across as intelligent, able, and trustworthy individuals. One of the many tools we can put to use is a better vernacular. The best way to accomplish this: learn Latin. If you don't have time to watc...
11/04/2007
Marazul  My wife and I went out last night to celebrate my thirtieth birthday and chose from a list of restaurants on our passport card (if you'd like one contact me). We went to Marazul, a new restaurant connected to the Pan Pacific Hotel. All i have to say is that we both felt like we were on a...
11/04/2007
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My wife and I have been doing a workout called P90X and just finished the 90 day challenge. And I've got to tell you, it is the best workout I have EVER done. The program is very "guy friendly" and comes with twelve DVDs for cardio, strength training, core work, yoga/flexibility, a nutrition guid...
11/02/2007
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