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

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Mortgage and Lending - Benchmark Mortgage nmls 2143 - NMLS # 198479
RECENT BLOG POSTS
Well we finally made it!  Two months ago this was a feat we could not imagine.  Our tradition is spend Christmas Eve with the in-laws.  We have heavy hors deauvres and then play dirty santa.  Then at 9 pm we go to our church and have a Silent Lord's Supper.  The church is lit only by candlelight ...
12/24/2008
Today I had a closing that required me to get on two of the most congested roads in Alabama.  It took me 45 minutes to go three miles.  People are trying to dart across 3 lanes of traffic to get one car length ahead. Rude drivers and just plain wreckless.  Emergency vehicles could not even get th...
12/22/2008
16 Comments
26 years ago yesterday, December 20, 1982, I gave birth to a beautiful baby girl.  The minute her little head popped into this world our lives were changed forever!  She is the only child born to our small family of three.  Let me introduce you to Miss Ashlee Springer. On Christmas Eve 1982, my h...
12/21/2008
As a mortgage professional we are having the opportunity to feel like we are in an amusement park all day long.  Rates are from top to bottom and are moving quickly. My goal is to get the best rate possible for my clients but it is so hard in this current market.  I spent much of the day trying t...
12/17/2008
These past couple days have been non-stop for the mortgage industry.  Refinances are coming in droves, mostly those with excellent credit that have plenty of equity in their homes and plan on being there for a while.  I am working about 15 hours a day and have not had much time for anything else....
12/17/2008
While purchasing or refinancing a home each client has the option of whether to lock the rate or float!?  When a rate is locked it is an agreement between the client and investor that the investor will not raise your rate regardless of how high they go and it is also the client agreeing to accept...
12/15/2008
I have a client that is all alone.  She is not married and never had children.  Her companion was a small dog that she had for 15 years and last month she had to be put to sleep because of cancer.  To her it was like losing a child.  She is heart broken and alone.  She is looking for a black male...
12/14/2008
8 Comments
I am sitting here watching the special on Caylee Anthony.  I cannot imagine that anyone could bring harm to such a helpless beautiful child.  What a tragedy!  My prayer is she did not have time to be frightened or in pain.  There are millions of people that would have been so happy to have had a ...
12/12/2008
Well, they just said it!  We may have some snow flurries tomorrow.  We don't get much snow in Alabama so when they mention it on the news people seem to go crazy.  It is the excitement of weather we are not used to receiving. Usually, everybody flocks to the grocers for milk and bread and anythin...
12/10/2008
This Sunday has been a powerful one to say the least.  We started the day off with church.  That wonderful place where we can go and turn off the worries of the world.  Our sermon today was from Luke.  The pastor taught on Mary learning that she would give birth to the Messiah and while that was ...
12/07/2008
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ValerieSpringer

Home Loan Officer AL, FHA, VA, Conventional and Re
local_phone205-314-4775
smartphone(205) 746-1284
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