Interfaith Caregivers assists seniors and adults living with disabilities to maintain their independence, dignity and quality of life at home. They have  announced a 18 hole charity best ball tournament to raise money for the organization.  I have MS and have been very blest to have them help me.  Now I would like to help them.  Anyone with ideas?  This is their first golf outing. 07/23/2008

Fannie Mae has made some changes to its lending policies that will effect your customers.  Please review the attachment.  If you have any questions, please let me know.   New Fannie Mae Announcement - Announcement 08-16 Please read in its entirety .   Revisions to Bankruptcy and Foreclosure Policies   Within this Announcement is a very detailed chart with regards to the recent changes for borrower's who have had bankruptcy and/or foreclosure issues.   Conversion of Principal Residence to Second Home or Investment Property   Three options are provided to borrowers who currently own their home: (1) Sell; (2) Convert to Second Home; (3) Convert to Investment Property Within this Announcement is also a detailed chart that includes a breakdown of the current requirements versus the new requi... 07/16/2008

To all, There is a new credit scoring model, used by our credit scoring repositories for 08.  While they wont tell us the exact method to there analysis, here are a few things that will help.  Any questions/comments, give me a jingle.   7 great moves, no matter who's counting Scour your credit reports. Your credit score is derived entirely from the information on your credit reports at the three bureaus, and a single serious error can cost you big time. You're entitled to a free annual look at your reports from www.annualcreditreport.com. Dispute any accounts that aren't yours or any negative entries that are more than seven years old (or 10 years in case of bankruptcy). (Watch for impostor sites; see "How to get a credit report for free.") Don't be late. Skipping a single payment can k... 07/10/2008

I just had an older guy in one of my models and he picked it apart then went over to another of my models, which I gave him a key too.   After a half hour of looking at it he came back and said "I will take it and pay cash".  What a nice surprise.  I have MS so I could not go over and walk him through the house but he might have liked being alone.   07/08/2008

The temperatures are hot and so are the real estate prices!  We are buzzing with activity, but have patience; the lenders are all slow to the draw.  Market CommentMortgage bond prices rose slightly applying downward pressure on mortgage interest rates. Trading remained extremely volatile. Energy prices remained the focus. Inflation fears were fanned once again as oil prices hit record highs. Bonds found some support when the Dow Jones index continued to struggle. A relatively benign employment report did very little to move the financial markets. For the week, interest rates on government and conventional loans fell by about 1/8th of a discount point. The trade data Friday will be the most important event this week. The weekly jobless report will garner more attention this week than usu... 07/08/2008

  "I NEVER WORRY ABOUT ACTION, BUT ONLY ABOUT INACTION." ~ Winston Churchill. These words proved especially true last week, as the big story was the Fed's lack of action following their recent meeting, or decision to leave the Fed Funds Rate unchanged - but is the Fed's decision a cause for worry? The financial markets seem to think so. The Fed is in a tough spot with the economy performing sluggishly, the housing market still struggling to stabilize, consumer confidence being low, and food and energy costs going up seemingly every day. They made the decision to hold rates steady for now, but looking forward, what does all this mean for Bonds and home loan rates? While the Fed made a smart move to cut its benchmark rate back in September to stimulate the economy, the continued string of... 07/01/2008

  This organization has really helped me.  I have MS and run a business in St. Croix Falls Wisconsin they have volunteers that help me into my offic and when I leave.    Interfaith Caregivers has a great missoin statement it is.       Interfaith Caregivers assists seniors and adults living with disabilities to maintain their independence, dignity and quality of life at home. Our caring volunteers come from churches and communities to help our neighbors in Polk County.  Our volunteers provide transportation and non-medical services under the supervision of our program staff.  These services are provided at no charge.  Our program has been serving residents in Polk County, Wisconsin since 1995. We are a local, non-profit program with 501 (c) (3) status that relies on contributions from c... 06/20/2008

I just met a couple who wanted to build a house in Prescott Wisconsin.   She wanted it now and he wanted to build it himself.  So I suggested a happy medium of providing a shell that included the electrical , plumbing, drywall and windows.  They thought that was a great idea.  Just shows that we need to get creative in this market. Winchester Mystery House: 38 Years & Still Not Finished   by Mary Jo Manzanares on November 4th, 2007   The house is a Victorian mansion that was once owned by Sarah Winchester, of the Winchester Rifle fortune.  After being told by a fortune teller that she would live as long as she continued to build onto her home - she did just that!  Continued to build.  And build.  And build.  For 38 years! www.midweshomecenter.com   06/19/2008

  Thank you for clicking on the foreclosure emergency information link. My name is Greg Adelman and I want you to get something to write with, because in just a moment, I'm going to reveal to you the misconceptions, misrepresentations and downright lies that are responsible for the foreclosure epic that you may now be a victim of. That's right. I said the victim. The stress and sheer terror, you may now be feeling is not your fault. Most likely the position you're in now is due to an unfortunate event, that you have no control over. You may even be in this position because you trusted some supposed "expert" mortgage broker who was supposed to have acted in your best interest. Instead, that broker set you up with a loan that looked and sounded good to you at the time, but it was designe... 06/18/2008

 I was shopping at Walmart and noticed a little old lady following me around. I stopped; she stopped. Furthermore, she kept staring at me. She finally overtook me at the checkout, and she turned to me and said, "I hope I haven't made you feel ill at ease; it's just that you look so much like my late son." I answered, "That's okay." "I know it's silly, but if you'd call out 'Goodbye, Mom,' as I leave the store, it would make me feel so happy." She then went through the checkout, and as she was on her way out of the store, I called out, "Goodbye, Mom." The little old lady waved and smiled back at me. Pleased that I had brought a little sunshine into someone's day, I went to pay for my groceries. "That comes to $121.85," said the clerk. Shocked, I asked, "How come so much!? I only bought f... 06/11/2008

  "INFLATION IS AS VIOLENT AS A MUGGER, AS FRIGHTENING AS AN ARMED ROBBER, AND AS DEADLY AS A HIT MAN." ~ Ronald Reagan. And although you might not describe the effects of inflation in such strong terms yourself...rest assured that the effects of inflation have crept into your home, your gas tank and your wallet. And inflation is also the nemesis of Bonds and therefore home loan rates, because just like inflation erodes the value of the dollars you spend, inflation erodes the value of the fixed return a Bond provides. And last week, Bond pricing worsened on news of inflation, causing home loan rates to move higher by about .25% across the board and reaching the highest levels seen in weeks. The week was shortened by the Memorial Day holiday, but right out of the gates, inflation concern... 06/02/2008

Thank you for clicking on the foreclosure emergency information link. My name is Greg Adelman and I want you to get something to write with, because in just a moment, I'm going to reveal to you the misconceptions, misrepresentations and downright lies that are responsible for the foreclosure epic that you may now be a victim of. That's right. I said the victim. The stress and sheer terror, you may now be feeling is not your fault. Most likely the position you're in now is due to an unfortunate event, that you have no control over. You may even be in this position because you trusted some supposed "expert" mortgage broker who was supposed to have acted in your best interest. Instead, that broker set you up with a loan that looked and sounded good to you at the time, but it was designed t... 05/30/2008

To all,"KNOWLEDGE IS POWER." It's a phrase used by many, and last week was an important one to be in the know, as Bonds and home loan rates were affected by many big newsmakers and market shakers. Bonds and home loan rates found some improvement in the early part of the week, leading into the Fed's big announcement on Wednesday of another .25% cut to the Fed Funds Rate. Typically, Bonds and home loan rates react poorly to Fed cuts, due to the increase in economic activity that lower Fed rates can cause, which turns into higher inflation. However, the Fed's Policy Statement hinted that the present rate-cutting cycle may be nearing an end. As a result, Bonds and home loan rates reacted favorably to the Fed's action.However, speaking of inflation, the Fed's most favored measure of it - the... 05/05/2008

To all: Fed Focus The Fed has been walking a delicate line of trying to stimulate the economy without stoking inflation too much. Unfortunately the Fed is faced with continued signs of economic weakness amid rising price pressures. Most analysts believe the Fed's biggest worry is the stumbling economy and will therefore cut rates again this week by 25 basis points. People often hear that the Fed is cutting rates and believe that mortgage interest rates will follow suit. This is usually not the case in the short-term as recent history shows. Mortgage interest rates have spiked higher following most of the recent rate cuts.Remember, the Fed cuts rates to spur the economy. This is usually seen as positive for stocks at the expense of bonds. While nothing is set in stone and reactions can v... 04/29/2008

And there were some big changes indeed for Bonds and home loan rates last week - but not necessarily all in the "right direction". For most of the week, Bond prices were pummeled lower, causing home loan rates to rise - and even after a Friday afternoon rally, home loan rates worsened by about .25% for the week overall. One silver lining...some of the abuse that Bonds took was at the hands of somewhat positive economic news. Remember that positive or strong economic news tends to benefit Stocks, which in turn can pull money out of Bonds - which causes Bond prices to worsen and home loan rates to rise. So when news hit of a far better than forecast Retail Sales Report and much better than expected earnings reports from giants like Google, the financial markets responded by flowing money ... 04/24/2008

  To all,New Home Sales data is compiled monthly by the Department of Commerce's Census Bureau and is gathered from builders throughout the country. The data represents new home sales for the nation as well as four areas of the country: the Northeast, the Midwest, the South, and the West. Information on the average price of a home, the number of homes for sale, and the supply of unsold homes are also provided. The data is an important indicator because it shows any strength or weakness in the housing sector. The housing sector data is valuable because when consumer spending changes, it appears in this sector first. Consequently, a chain reaction typically occurs. A slowdown in new home sales tends to lead to a slowdown in housing starts, which will continue to affect other indicators po... 04/21/2008

To all,Regardless of market trends, buyers and mortgage lenders rely on independent professional appraisers to provide an impartial valuation of the property. New York Attorney General, Andrew Cuomo, has recently reached an agreement with Fannie Mae and Freddie Mac which specifies that as of 2009, Fannie Mae and Freddie Mac will only buy loans from banks that meet the requirements of the "New Home Value Protection Code."With Fannie Mae and Freddie Mac currently purchasing more than 60% of all home loans in the country, the agreement could have a monumental impact on the appraisal industry.Some Implications of the New Home Value Protection Code include:Mortgage brokers will be prohibited from selecting appraisers. Lenders will be prohibited from using "in-house" staff appraisers to condu... 04/14/2008

We provide all types of houses for all types of people and their situations and needs.         Our custom or standard homes can fit what is important to you.  Whether you're in the market for a ranch, cottage, loft, cape cod, two story, townhouse, split-level, split-entry, commercial building, duplex or an apartment building; Midwest Home Center is your answer.  We specialize in customizing plans to fit what's important to you.       contact us at www.midwesthomecenter.com  04/11/2008

 Below is the home affordability index and it is now at the highest level since early-2004. Falling home prices aren't pleasant, but they are part of the market's self-correction process. It's also worth noting that even if prices revert to the trend growth rate, a home purchased more than five years ago would still have appreciated in value.    04/04/2008

As experienced contractors specializing in the process of building with modular components, we can offer developers of multi-unit projects a complete set of consulting and construction services which include:1. Selection of the factory supplier that can best meet the project requirements   2.  Design and engineer custom modular plans (or modify existing plans to make them "modular friendly")   3.  Handle the permit process through the various government agencies and utility providers.   4.  Manage the on-site work such as grading, foundations, garages, porches, etc.   5.  Oversee the factory production of the modules to exact specifications   6.  Coordinate the often complex delivery of the modules   7.  Assemble the modules on site in strict conformance with code specifications   8.  F... 04/03/2008