DEAR VAL: Mortgage Loan Officer Concentrating on Shelby County & Birmingham, AL

Mortgage and Lending - Benchmark Mortgage nmls 2143 - NMLS # 198479
If you are in the market to purchase a home in Helena, AL you have picked a wonderful area to raise a family, enjoy life and simply relax.  Helena is very unique.  The City caters to families and is always planning special events for family participation.  The school system is excellent and you w...
I have lived 47 years without ever having an animal living in my home.  Never thought I wanted one until I met Emme!  She is a 2.5 lb Yorkie and has become a precious addition to our family.  Meet my first furbaby!  Emme celebrated her first birthday in December.  Yep you guessed it, we made it s...
Three reports come out today, 2 have a high impact on mortgage rates and one a moderate.  The two high are retail sales and retail sales excluding autos. The report this morning was bleak.  Sales dropped 2.7% which was much worse than the expectation of a 1.2%.  When autos are excluded it gets ev...
 When we get a dip in interest rates everyone seems to hear it on the news and in a day or two pick up the phone and call their mortgage loan officer.  By then we may have been up and down 10 times.  If you are in the market for refinance here are a few tips to put you in the best possible positi...
There are many people refinancing their homes and taking advantage of the lower interest rates.  This has bogged down the system as there are fewer investors.  I had always taken pride in quick closings, 3-7 days.  Today that is not attainable. Most lenders are on a 5-12 day turn time for underwr...
This past month has been a roller coaster ride that has lasted into the new year!   What blessings we receive at the most unexpected time.  My phone lines are ringing and many are taking advantage of these low interest rates.  Most of the clients I am speaking with have equity in their home and p...
Just returned from a visit to the Big Easy.  We went down for the Sugar Bowl and to cheer the Tide to a Victory.  Sad to say, we lost to Utah.  Still proud as Bama did better than we had exected this year. I usually go to New Orleans once a year.  Have been going for the Mortgage Broker's convent...
2008 has been a very challenging year for those in our industry.  I, for one, will be glad to send it off with a toast to better times ahead.  Reflecting on this time last year, I was also ready to see 2007 boogie on out.  The past few months of the year were hard, but I didn't have a clue how mu...
Do you think your time is more important than someone else?  We all have the same amount of time per day to accomplish our goals.  Twenty four hours for you, me and every other person on the planet unless it is their time to go. Why is it some folks feel like their hours are more important?  Do y...
The last guest is gone, a good time was had by all.  We had a wonderful Christmas  and can truly say this will be a year we will never forget. A month ago I wondered how we would make it through this holiday season.  It was very different this year but may have been our best ever.  This year we j...


Home Loan Officer AL, FHA, VA, Conventional and Re
smartphone(205) 746-1284
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