Get Ready

The storm is coming.

This weekend will be a great time to get in touch with all those people that we are too busy to connect with. Maybe someone you talk to will be thinking about making a change in the new year.

I will be available all weekend and in the office weather permitting on Saturday.

Have a safe weekend and enjoy the time with your family and friends.

Advantages of a Mortgage Banker

Where can you apply for a mortgage on Monday and have an approval on Wednesday? FM Lending of course. Since we have in house underwriting we are able to fast track our files and get them closed in the minimum allowable time, which is now 7 days.

Your clients are important to us and we want you and your client to have a great experience. Since we rely on referrals for our business our reputation and service are the keys to our success.

New Respa rules you need to know about...

At this point I am sure you have heard about the new HUD1 that will take effect Jan 01,2010. There are other changes that started in August that you need to keep in mind when writing a contract. Now the earliest that you can close on a purchase transaction is 7 days from the signing of the mortgage application. If there are any changes in the seller assistance for repairs or negoications that effect the APR by more than one eighth of a percent then there is a 3 business day waiting period from the date of disclosure of the change.

Christmas 2009 Kildaire Office

A great time was had by all who attended this years Christmas Party at Prestonwood Country Club.