Should the government stay out of our affairs?

Should the government keep out of our affairs? That is a questions that sparks uncomfortable and spirited debates over dinner table. Different people have different opinions on this matter. My opinion is that when the governement gets involved they disrupt natural cycles and slow recovery.

I read an article today in where Richard Bernstein of Lehman holdings said... Read More
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The Importance of Taking an Accurate Application... Avoid surprises down the road!

It is amazing to me how many people call up and ask for a rate with out wanting to supply any information. It goes something like this; the phone rings, I pick it up and greet the caller. Often times at this point I am asked "whats your rate". I used to try to explain to them that I cannot give them a rate without asking them a few questions first. I've heard the... Read More

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Lake City Mortgage is Now Offering The Lake City Home Express!

We have an amazing new loan program here at Lake City Mortgage that is sure to help a lot of people. To my knowledge we are the only mortgage company in the area offering anything like it. 100% conventional financing has completely gone away which is why I am so thrilled to be able to offer The Lake City Home Express!

Here Are a Few of The Highlights:

  1. 100% financing of... Read More
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I don't want interest rates to go down... I want people to get jobs!


Interest rates are near historic lows. I remember when mortgage interest rates were in the high teens and you were very lucky to get a 12% rate. That was before I was in the business but I do remember hearing my parents talk about it as a young child.

The other thing that I remember from my child hood is that houses were selling! Sure you'd see the occasional real estate... Read More
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Individually qualifying each person.



Gudelines continue to change so quickly that it is hard to keep up. I work hard to stay on top of guidelines but in this market environment that just simply is not enough.

I see cookie cutter loan scenarios all the time that a while back I would not have given a second thought to issue a pre-approval letter on.

That is no longer the case; I call my underwriters, AE's, and... Read More
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