Timely Tip
Get off the 30 Year! : You know I'm a strong proponent of 30 year money; it is the safest play for life's uncertainties, and the need for tax breaks well into retirement is more important than most borrowers can foresee. BUT when the spreads are as great as they are with 20/15/10 year money(as much as .75%!), you have to quote those options. Perfect time to run a TCA from Mortgage Coach and show interest paid over the life and for the period of time the borrower plans to live there. BUT make sure they have plenty of reserves, no big life...
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Friday, September 3rd, 2010
Welcome!
A sherpa is a term for the Nepalese guides who accompany mountaineers on their Himalayan expeditions. They are highly respected for their local climbing expertise and also for their endurance under extreme altitude and weather conditions. I aim to be a sherpa in the area of mortgage banking, helping others ascend to the summits they hope to conquer. My goal is to share with you my insight gained from being a producer/manager/leader with 20 years experience in all sizes of firms. Please see how to contact me at the left menu to investigate how we can work together. Thank you for your attention.
Brian’s Golden Rules
1) Do the right thing every day. Treat customers, vendors, and coworkers how you want to be treated. That file on your desk is not a unit or another house/borrower; it’s a home for a mother, son or neighbor. All questions can be answered by asking the question “Is this the right thing to do?”
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2) Be honest with yourself. You cannot be honest with your customers or coworkers until you acknowledge your strengths and weaknesses. Play to your strengths and overcompensate for your weaknesses. Ask for assistance from management and coworkers to help overcome your weaknesses. Better yourself by researching products/procedures on line, reading real estate/finance related articles. Become the expert in your world. Know your competition. |
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