Ruben Concepcion's (rconcepcion) Blog

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Mortgage and Lending - Keys Financial Corporation
RECENT BLOG POSTS
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10/10/2011
There seemed to be a lot of attention in the general media to FHA's announcement last week of stricter guidelines.  There should be NO cause for concern here. Yes, any changes to the FHA program are going to generate a lot of attention because the FHA program is now approaching a 40% market shar...
01/27/2010
Greetings and welcome to 2010! Here is a handy financial calendar for the new year: Key dates to bookmark for the year ahead. By Jessica L. Anderson, Associate Editor of Kiplinger's Personal Finance magazine. JANUARY 1 - Parents of college-bound high school seniors: Fill out Free Application for...
01/03/2010
Greetings,  Remember in prior emails and blog ( www.activerain.com/blogs/rconcepcion ) we had discussed that one of the key signs of recovery to watch for would be efforts to take bad assets off  bank balance sheets in order to improve their financial health.  This would in turn make it easier fo...
04/15/2009
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Hello, A month ago on my blog, I posted my opinion on two things to watch out for that would signal the start of a recovery. Link:  http://activerain.com/blogsview/916279/Recovery-Signals-to-look-for The first was that bad assets need to be taken off the books of the banks.  Yesterday, the Treasu...
03/24/2009
Hello, As you may know, President Obama's housing plan calls for more consistent guidelines on Loan Modifications.  The details of this new plan have been released. You can access the actual document here:   www.treas.gov/press/releases/reports/modification_program_guidelines.pdf  Summary: •-    ...
03/09/2009
Hi, Details of the Obama administration's plans to address the housing crisis are beginning to be released.  I'll be carefully reviewing this info and will share with you anything that I think is particularly meaningful. A government website has been set up where you can keep track of new informa...
02/18/2009
Greetings, We're off to a pretty decent start this year:  lower prices, interested buyers, and very low interest rates are creating a dramatic difference in loan demand compared to last year. Of course, the lending environment is more restrictive - so it's important to get pre-qualified up front ...
02/04/2009
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Initial test entry.  Please disregard.
09/21/2008
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Ruben Concepcion

NMLS#271193
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Extensive lending experience in virtually all types of financing including, but not limited to, commercial real estate, residential mortgages, and all manner of business equipment and capital financing. We specialize in the following types of business: Purchase Loans, Refinance, Debt Consolidation, Equity loans and Lines of Credit, Commercial Small Business Loans.