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$5.4 Trillion of Home Equity; How To Tap It? HELOC or Cash Out Mortgage?

CONFORMING AND FHA LOAN LIMITS This is a reminder that Conforming and FHA Loan Limits are up for 2018.             $5.4 TRILLION OF HOME EQUITY […]

January 10, 2018 2 min read
$5.4 Trillion of Home Equity; How To Tap It? HELOC or Cash Out Mortgage?

Testimonials = Necessity; EASY To Get With Reach150!

BUSINESS DEPENDS ON REPUTATION AND TESTIMONIALS Much of our business success depends on referrals and online reputation, and prioritizing this part of our business is essential to thrive in today’s...

January 8, 2018 2 min read
Testimonials = Necessity; EASY To Get With Reach150!

We Wish You Bad Luck! The Obstacle Is The Way :)

All of us are excited to embark upon the new year, full of promise and goals and great things to come. But – it is extremely important to remember that […]

January 5, 2018 3 min read
Failed it book

Debt Ratios Explained; Very Important! Not Boring – I Promise

OK – this probably is boring, but it is super important because almost every competitive mortgage loan available requires some sort of income verification and debt ratio calculations. This is...

January 4, 2018 2 min read
debt ratio explained

Five Most Important Things Every Real Estate Agent MUST DO to Crush It in 2018

27,000 Things Realtors MUST DO… There is literally an endless supply of lists of things every real estate agent “must do” to crush it in 2018. At last count, there […]

January 3, 2018 6 min read
Sparkler water

Predicting the Future, and Happy New Year!

PREDICTING THE FUTURE In 1893, Chicago hosted a hugely successful “World Fair” where governments, companies and individuals showcased the most promising technologies of the time....

December 29, 2017 1 min read
Old car and steering wheel

Barbie Dolls, Bratz Dolls, and Making Better Tacos! Innovating Instead of Protecting Status Quo

BARBIE WENT TO WAR The WSJ published an excellent book review called “When Barbie Went to War.” It provides a comical overview of Mattell’s battle with MGA over copyright...

December 28, 2017 2 min read
You don't own me

Kindness As A Business Model! Simple, and It Works!

TURNING AROUND JVM We did a lot of things in 2014 to turn around JVM that we discuss often in this blog. But there is one thing we don’t often […]

December 27, 2017 2 min read
Man giving out coffee

Why I’m the Least Attractive Person at JVM; Key to Happiness: Other People

GREAT COLUMN ABOUT HAPPINESS Scott Galloway (CEO of L2 Inc) recently tweeted this excellent column from the NY Times about the key to happiness, and I thought it was well […]

December 22, 2017 2 min read
Laughing girls

Tax Bill Passes; Advice: Defer Income; Prepay Property Taxes NOW; Move to Texas :)

A few points about the GOP’s Tax Bill Deductions: Mortgage Interest Deduction: Current homeowners will be grandfathered in and still allowed to deduct interest against $1mm of mortgage debt....

December 21, 2017 3 min read
Stacked coins

Condition Issues Again; Inspect The House Prior to Appraisal; Fast Appraisals

ORDERING RUSH APPRAISALS TO SPOT CONDITION ISSUES UP FRONT One of the reasons we order ALL appraisals as a “rush” (and eat the rush fee :)) is b/c it allows […]

December 20, 2017 2 min read
inspect houses prior to appraisal

Bitcoins, Bubbles, Burning Bankers; Beanie Babies

In 1307, King Philip IV of France couldn’t pay his massive debts to the Knights Templar. So naturally he accused them of false crimes and burned them at the stake. […]

December 15, 2017 3 min read
Bitcoins, Bubbles, Burning Bankers; Beanie Babies

Rates Down Despite Fed’s 4th Increase in One Year; Why?

On December 14th, 2016, I quoted a rate of 4.0%* in this blog. Today I will quote 3.75%. It is interesting that 30 year fixed rates have fallen 1/4 percent […]

December 14, 2017 2 min read
Rates Down Despite Fed’s 4th Increase in One Year; Why?

Technology, Hand-Holding, & Big Bank Horror Story

Team Member’s Mom Goes to the Competition One of our team member’s Moms went to the “competition” for a refi, and we were mortified… OK – actually, we...

December 13, 2017 2 min read
technology hand holding big bank horror story
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