I have an 8 year-old son and I often underestimate his curious, observant behavior. He doesn’t miss much. Last night during a conversation in the car, I was reminded of this fact. That said, allow me to share the story… My son and I are driving to youth basketball tryouts and we pass a Bill … Continue reading Politics and Kids?
As expected the FOMC raised interest rates 25 bps to 2.25% on Wednesday, noting that job growth has been “strong” and inflation has been close to their 2.0% target. In addition, a larger majority of members (12 up from 8 last meeting) now expect an additional 25 bps hike by year-end and three more … Continue reading From the Fannie Mae Sales Desk-
It’s late September and still 90+ degrees where I live. October is right around the corner though; and depending on where you live, this time of the year means planning for seasons, holidays, and varying weather patterns (if you live in Florida you can stop reading here). In January of 2018 one of my properties … Continue reading Home Winterizing
Today is Flag Day. While this holiday is not an official federally observed holiday, it does have a unique history. In 1916, President Woodrow Wilson issued the first proclamation for Flag Day- it was a day for special patriotic exercises, honoring the significance of the American flag. The holiday’s permanent observance went into effect in … Continue reading Flag Day – June 14
Rather than posting a Memorial Day recognition statement yesterday, instead I thought it would be fitting to look up the origin of this great holiday. And as you would assume there are varying stories. In 1868, retired Union Major General, John A. Logan, set the date for this holiday on May 30th. The first formal … Continue reading What is Memorial Day?
In recent years a lot of energy and resources have been poured into online resources and the “digital mortgage” experience. Amazon recently announced their eventual stake in online mortgage lending as well. One can certainly argue that getting a mortgage online can be quicker, offer less hassle, and be combined with lower rates and financial … Continue reading Human Mortgage in a Digital World
As a consumer you may find yourself pondering between retail and wholesale. Some advertisements steer you towards wholesale with the “cut out the middle man and markup” tagline. Some would argue retail may offer the best customer experience and/or selection. In the mortgage lending industry there is a retail and a wholesale consumer choice. Most … Continue reading Wholesale versus Retail (and Amazon)
The landscape of our communities has changed: cultural diversity is in. Big employer or small employer; it really doesn’t matter. Today’s clientele and reaching them with relevant products and services goes well beyond language barriers. Cultural understanding, education, and product customization is essential for diversifying your client base. Nearly two years ago I met Miguel … Continue reading Diversity
It is an esteemed honor to be a candidate for the district four WCS school board position. This is an opportunity that has been on my heart for several years. My family and neighbors are blessed to live in a wonderful community with a rich heritage filled with high academic standards. It’s my desire to … Continue reading WCS School Board
As mortgage rates rise, I am commonly asked, “Has business slowed down?” While business has NOT slowed down, it does beg the question, “What impact does higher interest rates have on buying behaviors?” Let’s examine this for a few minutes. In 2003, a nationally recognized articled explained the top five reasons for refinancing were the … Continue reading Mortgage Rates and Buying Behaviors