This is real.... Support the troops with a personalized card!!     XEROX IS DOING SOMETHING COOL If you go to this web site,   http://www.letssaythanks.com/ you can pick out a thank you card and Xerox will print it and it will be sent to a soldier that is currently serving in Iraq. You can't pi...

Some good info here from a friend and fellow loan officer in Georgia!!    For many years home mortgage insured by the Federal Housing Administration (FHA) have made home ownership possible for millions of home owners. During the "boom" FHA loans lost a lot of ground in the marketplace because non...

FHA Streamline Refinance Rates Wow! Below 5% on a non-qualifying(mostly) loan. Still need a 620 credit score and job is verified. However, we do not calculate income/debt/assets. A refinance is not for everyone..... But there is no charge to have a mortgage analysis done by your professional loan...

Verizon Wireless Bailed Me Out!!   Over the weekend, I somehow hammered my Verizon Cellphone. I think it got got kinked in my pocket while I sat on my deer stand deep in the woods over the weekend. Well, one visit to the Verizon Wireless store to visit my favorite sales representative Jessica Sto...

  Great group of people to know...       Greetings of the Season! The RESA-Dallas Chapter invites anyone interested to attend our December meeting which will be a casual holiday gathering at CORT Furniture Rental's new Valwood Parkway Showroom December 10th, 2009.  We're doing a pot luck holiday ...

  Don't miss JCKC on BlogTalk Radio     Ken Cook and I are very pleased to announce that Chris Brogan will be joining us for our next show.  We've had a string of terrific guests, but Chris is arguably our most well-known guest to date.  I have a feeling that this show will probably break our pre...

How Can Realtors Answer Those Pesky Demographic Questions? Realtors have the unfortunate duty to say NO in a lot of cases. So when a client presses for information about a neighborhood, how can a Realtor legally & ethically answer the question? Well, thy can't.... But there is no law saying that ...

Non Purchasing Spouse with Texas FHA Loans   The non purchasing spouse is a married person NOT on the mortgage loan. But there is special treatment of the non purchasing spouse with respect to FHA Mortgage Loans in Community Property States like The Great State of Texas. A non purchasing spouse s...

FHA Streamline Refinance Changes We have seen tightening of all loan guidelines.... And the same is true for the FHA Streamline Refinance Loan. Key Revisions: * Seasoning: At time of application the borrower must have made at least 6 payments. * Payment History: For mortgages with less then 12 mo...

Mortgage Loan Guideline Changes Capital Market adjustments to guidelines: Conforming Fannie Mae & Freddie Mac Debt Ratios: Effective on loans funding after December 12, 2009 the maximum debt ratios are as follows. References to DU 8.0 are due to the pending update to Desktop Underwriter(automated...