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We Close Loans in 20 Days
2024 Holidays Schedules that Delay COEs
Interest Rate Corner
Interest Rate Quote
News Events that Influence Rates
Which Borrowers Get the Best Rates
These Loan Factors Determine a Borrower’s Rate
2023 Loan Limits
Loan Programs
“Interest Rate “Buy-Downs” Lenders Newest Gimmick
Stated Income – 2nd Trust Deeds Up to CLTV 65%
EZ Qual 10% Down – Only 1 yr. Tax Return for Self Employed Buyers/Borrowers
High Debt Ratio and Lower Fico FHA & VA Loans
FHA and VA Streamline Loans
FHA’s Obscure “100 Mile Rule”
Why Hard Money Loans Rarely Close
What Are Construction Loans and How Do They Work?
Agent’s Lending Referrals- “3 Cards” Are Not Required”
First Time Buyers
Buying vs. Renting: 56 Pros and Cons
Closing Cost Credits Are Back! Creating a “Win Win”
Using Co-Signers to Buy a Home
Using Gift Money to Qualify for a Home Loan
Survey Highlights “Stigmas” Against Renters
Realtor.com: Buyers Give up a Dream Homes for Good Schools!
Study: Renters More Financially Stressed Than Homeowners
Calif. Renters More Likely to Leave Than Owners
Urban Institute Study: Highlights Financial Impact of Delayed Homeownership
Homeownership Remains Strongly Linked to Wealth-Building
Credit Corner
CFPB: Credit Bureaus Have Quit Responding to Many Consumer Disputes in 2022
CFPB: Top Debt Collection Questions Answered
New Calif. Financial Protection Law Goes into Effect
These FICO Myths are Killing Credit Scores!
Divorce: How it Affects Mortgages and Real Estate
Debt parking,’ an Illegal Trick from Debt Collectors
Buying a Home After Credit Meltdown, Bankruptcy or Short Sale
BK / Short Sale / Foreclosure Wait Times
VA Corner
The Nuts and Bolts of a VA Offer
2023 USMC Golf Tournament
Veterans Support Groups
Home-Improvement Grants for Vets & Low Income Homeowners
Light a Green Light “for a Vet”..to Honor Heroes!
R.E. Agent Corner
Outsource a “TC” or Hire One “In-House”
Eliminating Multiple “Cross-Quals” for Your Buyer’s Next Offer!
Using Loan Officers to Screen Buyers & Close Deals
Agent Sales Tips
Podcast: Jump Start Your Marketing … (24 minutes)
Working with Self Employed Buyers!
Overcoming “We Won’t List – Until We Find a Home”
5 Myths About R.E. Agents and My Debunking Strategies
Inman: Defusing Tense Arguments with Clients
Inman: 7 Tips for EZ Lead Follow Up!
Inman: Making Sure Your Client Never Calls Another Agent
11 Negotiation Points that are Killing Your Deals!
Your Friend Chose Another Agent— Now What?
77 R.E. “One-Liners” to Motivate Clients!
21 Common Objections & How to Handle Them
Buyers Corner Links
Changing FHA / VA Lenders Quickly
Tax Corner
State of California Proposition 19
The IRS Targets the Realtor / Lending Industry – Here’s How
IRS Statute of Limitations
Tax Ramifications of Owning Invest. Props!
Environmental Studies
UCLA: Freeway Pollution Travels Farther Than Thought. How to Protect Yourself
Risks of Wildfire Smoke? Toxic Living Microbes
Inman: 5 ways Calif. Fires Will Change the Face of R.E.
Event Marketing
25 Holiday Marketing Ideas For Real Estate Agents
Community Marketing – Agent Starts Pet Adoption Center
Inman: 8 Dos & Don’ts for 4th of July Marketing
24 Fourth of July Marketing Ideas
Hosting & Marketing a Mobile Shredding Event!
3 “Turkey Day Hacks” Agents Can Pull Off!
Legal Corner
Falsifying “Owner Occupancy” Status Gets New Criminal Scrutiny
FBI: Housing Fraud – What We Investigate!
First Am: Launches “AI” Platform to Detect Loan Fraud
SoCal Counties Provide Deed and Housing Fraud Protections
Fraud Detection with FraudGuard
Buyers Committing Fraud-Here’s Their Tactics!
Title Companies and RESPA Violations
Social Media Marketing
The Myths of Buying “Online Real Estate Leads”
14 Tips for Boosting Online Reviews
Becoming a Blogger – It’s Easier Than You Think!
11 Rules to Avoid Social Media Trouble
Inman: 10 Instagram Hacks Agents Need to Know!
Renter Marketing
“Verbal Hints” of Renters Thinking about Buying a Home
Inman: Having a “Millennial-First’ Marketing Strateg”
Getting Self-Employed Buyers Ready for 2024
Renters Profiles
Are Your Buyers Serious? Or Just Working You?
Seller Marketing
Overpriced listing? Persuading Clients to Drop the Price!
9 Ways to Avoid a Real Estate ‘Commissionectomy’
Combating 5 Lies Agents Tell to Win Listings
Defending Your Commission: 7 Things NOT to Say
11 Reasons “By Owner” is a Bad Idea!
Inman: 5 Pricing Myths Sellers Believe
Housing Studies
Calif: Home Prices Drive Migration Trends
Nat. Report: Puts Cal Housing Shortage in Perspective
U.S. Housing Stock is Aging; Here’s Why!
Inman: 7 Senior Housing Options Agents Need to Know!
Why Homeowners Retire (& Sell) Early!
Vendor Links
Simple Tech Services
Duane Gomer Education
Loangevity Mortgage
Agents – Should You Change Brokers?
Inman: Exiting Your Broker Without Burning Bridges
8 “Q & A”s Before Meeting a R.E. Recruiter
Independent vs. Franchise: Which Brokerage Model is Best for You?
Signs It’s Time to Leave Your Team
Changing Brokerages? 15 Key Points of a R.E. Employment Contract!
Want to Switch Brokerages? Ask Yourself 7 Questions First!
Protecting Your Brand From Other Agents and Brokerage!
Mortgage Calculator
Condo Corner
Freddie Streamlines Condo Approvals for Buyers
11 Condo/Townhome Deal Killers
Condo “Contents” Insurance Coverage
Condo and HOA Certification Steps
Investor Corner
Investor Calculator
How to Speak “Investor Speak” with Your Clients
10 Tips for Clients Buying a Rental “Coach Em Up” Before They Run You Around
Crypto/Digital Corner
Can We Use Crypto to Buy a Home? No!
Home Inspection Corner
Lender Rules for Termite Inspections and Repairs
Regs for “Garage Conversions & Un-Permitted Additions”
15 Buyer’s Reasons Why “That’s a Dealbreaker”
Inman: Home Inspections – 7 Tips for Negotiating! Repairs
Stop Inspections from Killing Deals!
Inman: 7 Reasons Pre-Listing Inspections are a Must
Regs for “Garage Conversions & Un-Permitted Additions”
Insurance Corner
Fine Print & FAQs Homeowners Insurance Coverage?
Community Marketing
Rainwater Harvesting: An Agents Guide for Market Visibility
New Home Construction
Cali Closes ‘Pay-to-Play” Loophole for Local Officials/Builders
New YIMBY Housing Laws are Coming to a City Near You!
New “Micro Grid Energy Tech” Changes Home Construction
The Tradeoffs of Buying New Home Construction
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Daniel Dobbs
2023-09-07T07:37:11-07:00
About Me
Loan Application and Forms
2023 USMC Golf Tournament
