JVM’s Blog

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Learning (a lot) From Dutch Bros Coffee!

Dutch Bros Coffee absolutely amazes me b/c they continue to open up new stores and thrive in the ridiculously crowded coffee shop field. There are many factors behind their success […]

January 30, 2019 2 min read
Learning (a lot) From Dutch Bros Coffee!

When Do Buyers Need to File 2018 Tax Returns?

Lenders don’t actually need 2018 tax returns until October in most cases, as October 15th is the final deadline for filing. After April 15th, lenders will require 2018 tax returns […]

January 28, 2019 1 min read
When Do Buyer's Need to File 2018 Tax Returns

Unison – 10% Down Payment Assistance For Small Share of Appreciation

Unison is a company that contributes funds towards a purchase in exchange for a percentage of a property’s appreciation. Again – Unison only takes a share of a property’s appreciation,...

January 25, 2019 2 min read
Unison - 10% Down Payment Assistance For Small Share of Appreciation

“It Takes At Least Ten Years to Build a Real Business”

BONOBOS FOUNDER GOES THROUGH HELL I was listening to the Bonobos (clothing) founder on the “How I Built This” podcast yesterday, and he was discussing the overwhelming issues he faced […]

January 24, 2019 3 min read
It Takes At Least Ten Years to Build a Real Business

VA Loans – The Bad and The Good

I blogged about VA loans in October, explaining that they are the best deal in the mortgage world. VA loans have low interest rates, no mortgage insurance, and they allow […]

January 23, 2019 2 min read
VA Loans - The Bad and The Good

Call Center Horror Story :) The Need for Training & Skill

CALL CENTER FAIL Last week a borrower came to us to discuss her refi b/c she had lost trust with the lender she was working with (America’s largest non-bank lender). […]

January 18, 2019 4 min read
Call Center Horror Story :) The Need for Training & Skill

Another Gov’t Shutdown Update; Must Be On Title If On Loan; Title Only

GOVERNMENT SHUTDOWN NOT AN ISSUE FOR MOST BORROWERS I read recently that there are buyers waiting on the sidelines b/c of concerns about the government shutdown. They shouldn’t be b/c […]

January 17, 2019 2 min read
government shutdown update must be on title if on loan

Digital Marketing Is NOT What You Think It Is

We work with an agent who closed 140 transactions over the last year, totaling over $100 million in sales. And when you google her, she literally dominates Page 1 of […]

January 16, 2019 2 min read
digital marketing is not what you think it is

Why Rates Matter So Much Now

GOV’T SHUTDOWN UPDATE The IRS has agreed to process tax transcripts (tax return verifications). This is good news, as this could have held up the funding of numerous loans. REALTOR […]

January 14, 2019 2 min read
why interest rates matter so much more now

Hire Skill Over Experience – Like Clemson & Silicon Valley

I don’t watch college football, but I do read the headlines and follow the drama b/c the stakes are so high for the coaches, schools and players (who hope to […]

January 11, 2019 2 min read
hire skill over experience like clemson and silicon valley

The Fed Lost Control Over Interest Rates; Now What?

RATES AT 8 MONTH LOW Rates are at an eight-month low right now – about 1/2 percent lower than they were at their peak in October. I should add though […]

January 10, 2019 2 min read
the fed lost control over interest rates

An Homage To My Hero Herb Kelleher of SW Airlines

I learned this morning in this WSJ editorial that SW Airlines founder Herb Kelleher passed away recently. The man is one of my heroes b/c his entrepreneurial exploits are the […]

January 9, 2019 3 min read
homage to my hero herb kelleher of southwest airlines

Max Number of Financed Properties

We often see borrowers with multiple financed properties nowadays b/c so many of them have been on buying sprees since 2008. Having more than four financed properties used to be […]

January 7, 2019 1 min read
max number of financed properties

When Renovation (203k) Loans Are Not Practical

Renovation loans, also known as “203k” or “Homestyle” loans, are an awesome resource for properties that are badly in need of major repairs or updating. These loans allow buyers to finance...

January 4, 2019 2 min read
when renovation loans aren't practicable
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