TheDepartmentofHousingandUrbanDevelopmentistakingsteps
tothwartborrowerswhocommitmortgagefraudinordertobuy
anotherhomeattoday\'sdiscountedpricesthenlettheircurrent
residencefallintoforeclosure.
FederalHousingCommissionerBrianD.MontgomeryissuedMortgagee
Letter2008-25FridayindicatingtheFederalHousingAdministration
hasobservedarisingnumberofinstanceswhereborrowersare
aband...[阅读全文]
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(2008-09-24 08:56:49)
(2008-09-21 00:37:22)
TheTreasuryDepartment\'splantopurchasehundredsofbillions
ofdollarsofproblemmortgageassetsfromfinancialinstitutions
shouldgivethefederalgovernmentthemaximumleverageto
restructurebadloansandpreventforeclosures,accordingtoHouseFinancialServicesCommitteeChairmanBarneyFrank,D-Mass.
Weareintentonwritingabillthatgivesusthepowertodotheadjustments,Rep.Franksaidataforeclosureconferencesponso...[阅读全文]
ofdollarsofproblemmortgageassetsfromfinancialinstitutions
shouldgivethefederalgovernmentthemaximumleverageto
restructurebadloansandpreventforeclosures,accordingtoHouseFinancialServicesCommitteeChairmanBarneyFrank,D-Mass.
Weareintentonwritingabillthatgivesusthepowertodotheadjustments,Rep.Franksaidataforeclosureconferencesponso...[阅读全文]
(2008-09-20 22:43:27)
WhenIreviewthebiographiesoftrulygreatpeople,theyallseemtopossessoneverystrongcharacteristic:clarity.Theyknowwhattheyweremeanttoaccomplishinlife,oftenatanearlyage.Mostofusspendourlivessearchingfor"thenextthing."Thenextbigopportunity,thenextlottojackpot,orthenextbig"thing"seemstodiluteourthinkingandourenergy.Inafastmovingworld,theabilitytofocushasbecomemoreimportantthanever.Cla...[阅读全文]
(2008-09-20 22:42:33)
Itrytotellloanofficersconstantlythatincreasingtheirloanclosingsisnotnearlyasdifficultastheymightthink.Evendoublingclosingsortheirpipelineiswellwithinreachiftheyjustdoafewsimplethings.Ratherthanmemakinganattempttoconvinceyouofwhatworksandwhatdoesnotwork,let'shearitfromaloanofficerinHammond,Louisiana,asmallcommunitystillrebuildingaftertheeffectsofKatrina.Onlyafewmonthsago,RickSedberry,aloanofficer...[阅读全文]
(2008-09-20 22:41:40)
Awholesaleaccountexecutivewhoisaclosefriendrecentlywentintoamortgageofficeandmetwiththeloanofficerswhohadbeeninthebusinessforonlyafewyears.Whenheaskedthemwheretheygottheirbusiness,theyreplied,"Wewaitfortheloansupstairsthattheycan'tdo."Whattheymeantwasthedifficultorrejectedloans.Inotherwords,theyweresurvivingon"scraps."RemindsmeofthestoryofaspeciesofseagullinNortheastFlori...[阅读全文]
(2008-09-20 22:40:19)
Youcanhaveexceptionalsalesskills,sendoutgreatmarketingmaterials,andhaveavastarrayofproductsandservices.Youcanevenhavegreatrates,butwithoutthenumbers,youwillonlybemediocre!Thenumbersneverlie,thenumbersalwaysgetresults,andthenumberscreatethefoundationforallsuccess.Manysalespeopledonotunderstandthenumbersandsoinstead,theywaitforratestodroporforthecompanytodomoreadvertisingorgivethemmoremarketingdol...[阅读全文]
(2008-09-20 22:39:25)
ThegreatGreekphilosopherSocratessaid,"Lethimthatwouldmovetheworldfirstmovehimself."Doyoueverwonderhowcertainpeopleseemtobeabletoaccomplishsomuchmorethantherestofhumanity?Theyhavenomorehoursallottedtothemthantherestofus.Theyhavethesamepressingdeadlines,thesamepersonalproblemsandliveinthesameworld.Howdotheydoit?Theanswerisfarmoresimplethanyouthink. Peoplewhoaccomplishgreatthingshave...[阅读全文]
(2008-09-20 22:37:13)
Ifyouareguiltyofthis,raiseyourhandrightnow!Youworkhardtofillyourmortgagepipelineandthensuddenly,youarecaughtintheofficeputtingoutfires,makingsureloansclose,andforthemostpart,doingwhatothersshouldbedoing.Themonthisover,youlookatnextmonth'spipelineanditisempty!Ouch!Icallthisthe"rollercoaster"syndrome: inasinglemonth,yougofromthetoptothebottomoftherollercoaster!Canitbeprevented?Absol...[阅读全文]
(2008-09-20 22:35:58)
Congratulations!Youhavejustenteredoneofthebiggestopportunitiesyouwilleverencounterinthemortgagebusiness!Theindustryisinturmoilaslendersgooutofbusiness,productsdisappear,andthepublichasa"waitandsee"mentality.Formanyloanofficers,thisisadepressingtime,butnotyou!"Carpediem!"Youseizetheday!Recognizingthatmanyofyourcompetitorswillsitintheofficeandcomplainaboutthefactthereisnobusiness,youbegintoformulate...[阅读全文]
(2008-09-20 22:35:06)
Okay,followmeonthisone,useyourimagination,openyourmind,andthinkofthepossibilities!(NothisisnotaTVcommercial!)Everytimeyouclosealoan,whatifitturnedintoanotherloan?Wow!Whatagreatconcept!Impossible?No,infact,veryprobable!Yousimplyhavetounderstandafewveryimportantyetbasicconcepts.Let'slookateachconceptandhowitbuildsintoasimplesystemof"connectingpeople."Thewholesystemstartswiththe"powe...[阅读全文]
