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Industry Observer - Responsive Pest Control
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ARCHIVED BLOG POSTS

2007 

4 Comments
Yesterday I started pricing a jumbo mortgage for a client of mine and found out the rates had increased 1/2-1% over pricing two weeks ago.  The best price I found was 7.5% on a 30 year fixed mortgage.  The rates on ARM's wasn't significantly better.  My borrower has a 720+ credit score, can put d...
08/31/2007

2 Comments
I read this morning that President Bush moved to ease our jitters by allowing people whose mortgages are resetting to refinance into an FHA loan.  Further, the FHA loan limits would be increased to $417,000.  Obviously, these are positive moves that may give our world some traction.But the fine p...
08/31/2007

4 Comments
Good morning:  I was thinking about how we can sustain our business in what certainly have become interesting times.  I think it boils down to good old fashioned hard work.  Yesterday I left my office at 5:45. Most of my fellow co-workers left between 2:30-3:30. I've heard comments such as there'...
08/25/2007

4 Comments
I write this evening a little perturbed with my borrower who is shopping me.  I understand this is all part of our job but have to admit I'm not crazy about it.  Especially since this particular borrower not only got my business in the first place but also the business of a friend of mine.  I'm a...
08/21/2007

2 Comments
Hello all: It occurred to me today that I love working with real estate agents on deals.  Here's why.  It allows me to communicate throughout the process in order to get the transaction done.  I like this.  I often hear from realtors that they never hear from the lender until the deal is ready to...
08/15/2007

2 Comments
I was thinking today about Pay Option ARM's and wondering if they made sense for you, the borrower.  I think I came to the conclusion that, most of the time, they really don't. The one exception might be if you're an investor who doesn't plan on holding your property that long or you're unsure ab...
08/14/2007

4 Comments
Hello all:  I had the question posed to me twice today by consumers such as yourself.  The question was are you going to survive?  I said yes and here's why.  Number one, Exact Financial Group is a mortgage broker and, therefore, has the ability to shop your loan to over 75 lenders in order to fi...
08/13/2007

10 Comments
Hello all:  In Washington State all loan originators were requred to be licensed as of the first of the year. We also have to pass a test by the end of the year in order to keep our license.  I think this is a good thing.  First and foremost, the conversations I had with the professionals I work ...
08/08/2007

4 Comments
Good morning! I wanted to share with you some great information about how you can choose the best lender for your situation.  Here goes.1) It's important to work with a professional who knows what they're doing.  They should be up-to-date on market conditions and ask the right questions in order ...
08/08/2007

10 Comments
Wow!  What an interesting week last week.  On Thursday, the buzz in my office was palpable.  I'm newer to the business so have decided not to be affected by what's going on.  But the more experienced loan officers in my office were scratching their heads.  They were watching deals fall through on...
08/04/2007
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