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

Mortgage and Lending - Benchmark Mortgage nmls 2143 - NMLS # 198479
Can anyone give me some insight on why the banks take so long in responding to a contract when they have an approved buyer and a full price offer?  One of my realtors has been waiting for 2 weeks for a response on my clients contract.  She calls everyday to check for an update and the only inform...
This morning I received a video clip from a realtor.  There was an airplane gliding all over the sky and soaring higher and higher until finally one of the wings fell off.  Everyone on the ground was devastated believing they were about to see the most horrific accident one might witness.  The pl...
I was just notified that Fannie will no longer be offering stated programs or no documentation when the new 7.1 version rolls out.  Freddie discontinued these type programs about a week ago.  If you are a self-employed or commissioned borrower, you will be required to submit the last years tax re...
I voted on my way into the office this year.  There were so many folks in line to make their voice heard.  It was different this year.  There was a sense of quietness as folks had their missions on their mind.  Not a lot of chatter in the line and everything was very formal once we were inside th...
I was told today if someone moved into a property that was vacant, the tenant would have squatter's rights and it could take months to get these people evicted?   If someone moves into a home, sets up housekeeping and uses a home as their permanent residence without the permission of the owner, i...
Today the ISM index was posted at 39.8% and was the lowest since September 1982!  It was estimated we would be around 42 which is far worse than expected.  The ISM is based on a survey of purchasing executives of industrial companies.  Around 300 are surveyed.  This signals expansion when numbers...
Today the First Baptist Church of Alabaster is open for prayer at the alter all day today.  We are encouraged to pray for our Nation and leaders.  If you would like a place of quiet and solitude you are welcome to stop by.
For those of you preparing to vote tomorrow, there is only one day left to make your decision.  Yesterday in our church service our pastor spoke about the teachings of the Bible and encouraged us not to vote Democrat or Republican but to vote for the candidates that a belief system closest to our...
A RATE AND TERM REFINANCE is a transaction where you are either reducing the rate, the term or combining a first and second mortgage that were both taken at the time of purchase.  The closing costs can be rolled into the loan if your home has enough equity.  If you are planning on living in your ...
Last evening I was going through my email and I read the daily devotional from Joel Osteen.   He spoke of challenges and bad times we would face and how we need to be thankful for those moments because the Lord is dealing with us and making us stronger.  He spoke of the Palm Tree, smaller, lanky ...


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