Mortgage Broker Forums at Broker Outpost

what should i make for dinner tonight? (by: benjamin)

a whole dinner. app/salad, entree, sides, dessert. - Last Post by: benjamin on 11/07/2009 @ 2:30 PM

2,000,000 jobs found in October (by: benjamin)

We had about 520,000 per week laid off, 4.33 weeks per month, equals a little over 2,250,000 people put out of work. The official numbers show that 190,000 jobs were lost last month. Even though I went to public schools, by mathematical deduction, about 2,000,000 jobs were created. This is supported by those receiving long term unemployment stats . - Last Post by: benjamin on 11/07/2009 @ 2:28 PM

Palins Coming! (by: rudeness)

Sorry, Rude... shes coming to see ME! I told you Id be all over that thang before you! Dont worry, Ill leave you my sloppy seconds. http://politicalticker.blogs.cnn.com/2009/11/06/palin-to-keep-low-profile-on-wisconsin-trip/ The comments are hilarious. Everyones whining because the press would have to pay 30 bucks to get in and eavesdrop, but its perfectly fine for Obama to ban Fox News and lock senators out of rooms. ROFL - Last Post by: rudeness on 11/07/2009 @ 2:26 PM

OMFG - Is she a Goldigger or Just fairly compensat (by: benjamin)

http://msn.foxsports.com/other/story/10315260/Sportscaster-Nantz-to-pay-ex-wife-$916K-a-year#tb 916K per year 70K per Month Alimony 4K per month Child support 70K Counrty Club Membership The Home & A Condominium in westport. 1/2 The SAG Pension. He pays for the college He get the 29yr Old Mistress - Last Post by: benjamin on 11/07/2009 @ 2:26 PM

Florida Purchase (by: The Truth)

Ive been out of the industry for a year or so. My parents are trying to purchase a single family home in Florida but would prefer to put down 5%. Mid Fico is 760 and ratios are good. Loan amount is around 400k so they cannot go FHA (Pinellas County). Ive been told that getting MI will be an issue because just about all Florida is considered a declining market and would be limited to 90% LTV. Any suggestions on how to get this done at 95% would be greatly appreciated. Not opposed to a 1st and 2nd if its out there. Just looking for 95%. Is this doable? - Last Post by: The Truth on 11/07/2009 @ 2:24 PM

Im thinking of making a move? (by: rubenjtorres)

Im thinking of making a move to a direct/corres. lender, that allows to broker loans. The problem is I dont know of any here in California. Does anyone know any that are good? - Last Post by: rubenjtorres on 11/07/2009 @ 2:20 PM

Californias Foul Economy (by: benjamin)

Calif continues to suffer harsh economy and I dont see any better news anywhere in the state. A friend said this, "The state gobblement just reached in and grabbed 10% of your paycheck if you still have a job. Thats 10% less money you will have to buy christmas presents. Thats sure a stimulus for the economy, isnt it?? hah. And arnold tells you that you will get it all back in April of next year - thats its just a loan. hah! Remember the IOUs last year??? Can you say REPLAY??? Now watch closely. Arnold will tell you - either agree to new taxes or we cant give you your money back!" Now I really want to move out of California. This economy up n down cycle is not healthy! - Last Post by: benjamin on 11/07/2009 @ 2:20 PM

$6500 Move Up Credit (by: nowbroker)

I cant seem to find out if somebody building a house would be eligible for the move up credit or not. I have a friend that wants to know ASAP so he can break ground soon enough to have the house finished by June 30. This could get confusing. If he buys land for $50,000 now but gets a constrution loan he is never really purchasing a house - hes purchasing vacant land and hiring someobdy to build him a house. How does that work? - Last Post by: nowbroker on 11/07/2009 @ 2:19 PM

Chase correspondent just went to (by: rubenjtorres)

For VA - Last Post by: rubenjtorres on 11/07/2009 @ 2:17 PM

Save Glenn Becks Appendix! (by: CoolMtgGuy)

An instant classic .... John Stewart as Glenn Beck. [url]http://swampland.blogs.time.com/[/url] - Last Post by: CoolMtgGuy on 11/07/2009 @ 2:16 PM

600k, c/o, 75% ltv, SFR, 740 fico anyone? (by: rubenjtorres)

600k, c/o, 75% ltv, SFR, 740 fico anyone? Porperty in California across the street from Bevery Hills. - Last Post by: rubenjtorres on 11/07/2009 @ 2:14 PM

The cost of not enacting health care reform (by: CoolMtgGuy)

Food for thought ... for intellectually hungry minds at least. ---------------- By Linda J. Bilmes and Rosemarie Day MUCH OF the health care debate is focused on whether the country can afford the $850 billion the Congressional Budget Office estimates it will cost. The debate centers on whether the bundle of new taxes, credits, efficiencies, and Medicare spending cuts will be sufficient to offset the new spending so as to deliver health care reform without, in President Obamas words, �adding a dime to the federal deficit. This debate misses the point. It assumes that doing nothing will cost nothing. It turns out that not expanding health insurance is a pretty costly option, because uninsured people impose big financial and economic costs that are not properly appreciated. The key question is: what difference does it make if you have health insurance? Several major medical studies have determined that people with health insurance have lower death rates compared to the uninsured, fewer medical ailments, and better all-around health. This means more individuals contribute to the economy for longer. Not having health insurance means these economic benefits are lost. A number of studies confirm the significance of this impact. For example, a landmark study by the Institute of Medicine estimated that 18,314 Americans between 25 and 64 die each year because of a lack of health insurance. These deaths are largely because of failures to diagnose illness and to limited access to good quality care. However, that study was based on data from 1993. A new study, to be published in the December issue of the American Journal of Public Health, puts the number of deaths among Americans between the ages of 18 and 64 associated with lack of health insurance at 44,789 a year. The premature death of thousands of Americans can be translated into monetary terms using the economic �value of a statistical life. Government economists use this methodology to help determine whether the cost of new government regulation (stricter pollution controls, for example, or food safety rules) is worth the value of lives saved. Insurance companies also use this approach to help estimate compensation levels for wrongful death. These estimates vary widely, from around $3 million to $12 million. US government agencies typically use a figure around $7 million to represent the lost economic output from each death. If we conservatively use only half of the government figure, or $3.5 million, it suggests that the annual cost to the US economy of 40,000 deaths is about $140 billion. That adds up to a cost of more than a trillion dollars over a 10-year period - even taking future inflation into account - well above the cost of enacting a health care package. A second way to estimate the cost of not enacting health care legislation is in terms of life expectancy. US life expectancy - at 78.11 years, ranks around 40th in the world and well below countries with universal health care. If we were to match Canadian life expectancy, for example, that would translate into an extra two years and 1 month of life expectancy for every American. Economists use another measure for the value of an additional year of life, adjusted for the quality of life. A recent study by Stanford economists has demonstrated that the average economic value of a year of human life is about $129,000. Most insurance companies, and many countries around the world, already use a variant of this concept. They implicitly ascribe the value of an additional year of human life at $50,000 by setting that as the threshold for approving treatments. (Any treatment that costs $50,000 will be reimbursed if it is predicted to add another year of life for the patient). In Massachusetts, we were able to cut the number of uninsured adults between the ages of 19 and 64 by more than half during the past three years. If the United States as a whole were able to replicate that success, we would insure at least 15 million more Americans. Raising the US life expectancy to match Canada just for these individuals would translate into $150 billion in economic value over three years. Less health insurance equates to more premature deaths, and shorter life expectancy. It also impairs the quality of life - and hence the productivity - of those who are living. This is evident in comparing the health of Americans who live in states with high levels of insurance with those who do not. We compared the five US states with the highest levels of health insurance among adults age 18 to 64 (Massachusetts, Hawaii, Minnesota, Wisconsin, and the District of Columbia) with the five states with the lowest levels (Texas, New Mexico, Louisiana, Florida, and California). In the first group, 90 percent of those 18 to 64 are insured. In the second group the figure is just 73 percent. People living in states with the highest insurance levels have better health indicators, including fewer low birth weight babies, lower infant mortality, and lower death rates from diabetes, heart disease, strokes, Alzheimers, and some types of cancer (cervical, colorectal). While expanding health insurance is just one component of a states approach to improving health, the data are striking. Moreover, the annual death rate for residents of the states with higher insured populations was lower than for those living in the lowest insurance states. It is tricky to put a precise number on the economic loss from poorer life quality, but we can be sure the economic loss is substantial. All the different health care bills being discussed in Congress would result in a significant increase in the number of Americans with health insurance. In Massachusetts, the combination of mandatory health insurance for individuals (with penalties for noncompliance and subsidies for those who cant afford it), requirements for businesses to contribute to health insurance, and a health insurance exchange that helps people find insurance - core characteristics of all the proposed bills - has more than halved the number of residents without health insurance. Any serious health reform bill should be able to do the same. Without health care reform, the economic cost imposed by premature deaths and avoidable illnesses will continue to grow, to the detriment of the economy. As it enters the final debate on health care reform, Congress needs to weigh carefully the substantial cost of doing nothing. Linda Bilmes is a faculty member at the Harvard Kennedy School, where she teaches public finance. Rosemarie Day is deputy director of the Commonwealth Health Insurance Connector Authority of Massachusetts. - Last Post by: CoolMtgGuy on 11/07/2009 @ 2:12 PM

FHA purchase, Approve Eligible, 635,696 scores (by: davidfr)

Borrowers looking to purchase through FHA. 3.5% downpayment coming from own funds, 6 months PITI, DTI 31/39, both borrowers have 5 years on the same job as electricians. Income has increased from last year to this year. The snag we are having is an old charge off from a car in 2003 and a collection from Brighthouse from when the broroowers moved from 1 rental property to the one they are occupying now. 12 months cancelled checks for rental history showing on time payments. $100 payment shock from $1500 rental payment to the $1600/mo. proposed mortgag payment. Can anyone suggest a FHA lender who will over look the chargefeoff in 2003? I mean we are talking about 6 years ago now. Borrower is disputing the brighthouse collecition because they tried to double bill the borrowers for service. They are known for doing that to clients who are moving from one address to another. Please help! Need a lender fast! Plaza and SecurityNational said no! Thanks, - Last Post by: davidfr on 11/07/2009 @ 2:08 PM

Financial Resources Mortgage, Inc. (by: meredith)

Has anyone dealt with this company or knows what is going on with Financial Resources Mortgage, Inc. - Last Post by: meredith on 11/07/2009 @ 1:56 PM

PLACE YOUR BETS!!! (by: rudeness)

Im betting this healthcare bill gets squished like the steaming pile of dogshiit that it is. Should we start a pool? - Last Post by: rudeness on 11/07/2009 @ 1:50 PM

Just Wondering.... (by: craigppls)

M jacksons thriller came out 1982 - un employment hit over 10% M jacksons this is it last weekend - un employment hit over 10% just wondering - Last Post by: craigppls on 11/07/2009 @ 1:44 PM

Texas Cash Out (by: loancloser1342)

Is there anyone that can do a Texas cash out. SFR full doc owner occupied in Texas with a 590 FICO? - Last Post by: loancloser1342 on 11/07/2009 @ 1:13 PM

Lousy Jobs, In Such Small Portions (by: zpaperkid)

Two dissatisfied customers comment about a restaurant. One says, "The food here is terrible." The other replies, "I know, and such small portions!" In many ways, they could be describing our current employment picture. Not only are the portions shrinking, but the jobs themselves are steadily losing quality. Todays release of the October jobs report showed the loss of another 190,000 jobs had pushed the official unemployment rate to 10.2%, only the second time since the Great Depression that unemployment was quoted in double digits (factoring in workers who had given up job hunting altogether or have settled for part-time work would push that rate to 17.5%). That didnt stop Wall Street pundits from trying to fashion a silk purse of this sows ear. The green shoots crowd focused on the slowing pace of job losses, the nascent economic recovery (even if it is jobless), and the projected improvement in 2010. No mention was even made of the quality of what few jobs were being created. The analysts completely ignored the continued trend of replacing goods-producing jobs with those jobs that require production from other sources. For example, we lost 61,000 manufacturing jobs last month, but added 45,000 jobs in education and health services. In particular, the addition of health workers is nothing to celebrate. Just as a familys economic position is not improved by higher medical bills, the country as a whole does not benefit from increased health-care spending. Until this trend reverses, our unbalanced economy will not regain its stability, a real recovery will never take hold, and the overall job outlook will get much bleaker. By spending trillions of dollars of borrowed money, President Obama hopes to engineer a recovery and create jobs. However, he has only succeeded in digging America into an even deeper hole than the one he inherited from his predecessor. He believes that if we can simply push up spending to levels seen during the �good times, then those favorable economic conditions will return. The reality, of course, was that those good years came with a heavy price-tag that we have barely begun to pay. In a press conference today, the President claimed that the latest extension of unemployment benefits will not only help the unemployed, but the overall economy as recipients spend the money. If spending government-granted money really were a benefit to the economy, why not simply increase the amounts endlessly? Why limit the benefits to the unemployed? Lets make this recovery a real barn burner: send out million-dollar checks to everyone! Of course, what Obama and his economic advisors do not understand is that money spent by recipients of unemployment benefits is money not spent or invested by taxpayers. Its a transfer of wealth, not a creation on new wealth. In addition, policymakers are also struggling with diminishing returns on ultra-low interest rates. No matter how much monetary alcohol the Fed tries to pour down consumers throats, the swill simply will not go down anymore. Consumers have already had enough and are trying to sober up � by refusing to spend irrationally. The excess liquidity simply weakens the dollar and spills over into other pools, such as goods prices, money metals, commodities, and investment assets. During the boom, we spent money we did not have to buy things we did not produce and could not afford. As a result, we are now deeply in debt and must sharply reduce our spending to replenish our savings. By focusing solely on consumer spending, the Administration is neglecting the capital investments necessary to improve our infrastructure and productive capacity. To generate legitimate economic growth and meaningful jobs, we must reverse the trends that brought us down. Consumers may have led us into this recession, but they cant lead us out. The road to recovery is a one-way street, and its paved with savings, capital investment, and production. Its not an easy road, but we must follow it to ensure our future prosperity. As a first step, our politicians must stop pushing us backward. Rather than imposing more market-distorting regulations, we should repeal those most responsible for inefficient resource allocation. Rather than creating new moral hazards, we should withdraw guarantees for large financial institutions and irresponsible consumers. Rather than continuing the Greenspan policy of keeping interest rates too low, we should let them rise. Rather than trying to prop up asset prices, we should let them fall to market levels. Rather than increasing the burden of bureaucracy on the economy, we should look for ways to lighten the load. Rather than encouraging people to borrow and spend, we should reward those who save and produce. Until we acknowledge these fundamental errors, more of our citizens will lose their jobs. As those that stay employed are funneled into unproductive industries like the federal bureaucracy, the country will sink further into stagnation. Worse still, everyone taking jobs in these sectors will be laid off in the next phase of the crisis � and will have lost this opportunity to build practical skills for the new economy. - Last Post by: zpaperkid on 11/07/2009 @ 1:12 PM

Market With Our Lists - Send 10,000 or 10 Million! (by: datalyst)

Often Imitated - but Never Duplicated [url="http://tinyurl.com/Broker-Outpost-Member-Pricing"]Real Estate Datalyst.com[/url]

Commercial Bulk E-mail Campaigns[url="http://tinyurl.com/Datalyst-Campaign-Systems"]Send an E-Mail Campaign - Datalyst[/url] We ARE different from the rest We are (as far as we know) the ONLY commercial business who will send your UNSOLICITED commercial messages and also give you the OPTION to purchase & download the actual contact databases that we send to. Also, our complete infrastructure is ONSHORE ONLY - we thought you might like that.

HERES HOW ITS DONE E-mail marketing is how many (if not most) "lead providers" get their info. For the professional marketers it is low cost, immediate, trackable and extremely effective. You can pay $30 per lead and be forced to buy in quantity, say 50 or so minimum. That would be $1,500 just to get the same data that might have been sold to 50 other LOs the same week regardless of some "exclusive" offer, depending on how much you trust the particular provider. Or you can GENERATE your own PRIVATE leads by doing the marketing yourself We have customers every day who do this and they keep coming back, so their business model must be working for them. Many admit they simply cherry pick the leads and then SELL the rest (usually paying for their marketing costs by selling the "unwanted leads"). This works for all lead types: purchase & refi, credit repair, debt settlement, loan mods, short sales, recruiting, etc. E-mail marketing can consistantly work, but it is not for everybody. You cant be shy or afraid about what others may think. It is just business - make a plan and work it.

Every day we send: Plain Text - with 40 character hard carriage return format. The choice of serious plain text marketers�You know who you are! Text HTML - Full rich text formatted messages to your specification using Dreamweaver HTML - the preferred coding of most major mail servers today. Just forward your �ad copy to us and we do the rest. Click through links created in a snap! Graphic HTML - Nothing grabs a readers attention like great graphics! We can send your message with images and code all of the redirects. Just forward your "ad copy" and we can easily get your full image messages out in no time. Our current customers are having success with: Building REA relationships Creating their own exclusive leads Loans Loan Mod Credit Repair Short Sales Recruiting LOs Direct download/view website sales Subscription websites Loan rate guides E-books Powerpoint, video and other LO training materials Industry related spreadsheet & database programs Our Campaign setup: 1. Choose a database to send to - Select from our databases and target the prospects you really want. Some databases are quite large and that does not mean you have to send to the entire thing. For example: You could choose our MB/LO database with over 250K contacts and only send to a portion of the database - say 50K or 100K. We will always keep your campaign details on record, so when you want another campaign to more contacts we can eliminate the ones you already sent to, if you like, so you are sending to fresh ones! 2. Choose how many messages you want to send - Please review our pricing details below and plan your campaigns. We find that customers who take the time to plan their campaigns can actually SPEND LESS than those who are blasting on a wing and a prayer. 3. Message review - We will completely review your ad for various reasons such as checking for good grammar, spelling, syntax, tone and its spam rating cross section. We will run your message through "spam rating filters" to help increase the chance of your message getting to your readers. We may offer suggestions on wording or symbol usage, possible changes to your message and help you to format your ad so it delivers the maximum punch during your campaign. 4. Your review and approval - We will send you an HTML copy of your message (or a link to your HTML copy - whichever works best for you) for your review and approval. You can still make changes at anytime, but when you give us the "go" command your message will be sent and we cannot get it back. Please double check everything before you tell us to hit the send button. We are never in a hurry with your campaigns, so you can take your time. 5. Make your campaign purchase- Once you give us the command to send, we will still need to process your payment before we hit the send button. This will give you time to plan your campaigns and choose the best sending strategies that will work for you. We accept all payments via Paypal and we will send you a special purchase link for your campaigns. You can make your payment anytime before we send your campaigns. Campaign Pricing (minimum campaign) 10K messages sent for $75 25K for $129 50K for $199 75K for $249 100K for $299 150K for $379 200K for $449 250K for $519 500,000 for $899 750,000 for $1,130 1,000,000 for $1,350 2,000,000 for $1,950 3,000,000 for $2,650 4,000,000 for $3,350 5,000,000 for $4,050 6,000,000 for $4,750 7,000,000 for $5,350 8,000,000 for $6,050 9,000,000 for $6,650 10,000,000 for $7,150 We have bigger discounts for the more aggressive marketers who desire 250K plus � 5 Million messages outbound each month (or each week!). We also recognize bulk sending prices for customers who are not doing million message blasts. For instance: Lets say you wanted to send five individual 50K message campaigns across a month or so. You could either purchase and send each 50K campaign separately ($199 for the first one & $139.30 for each of the other four = $756.20) or you could purchase a 250K campaign upfront for $519 and save $237.20 or about 30%. You can still have the messages sent on your schedule. Remember, you are in complete control of your marketing - you always have choices with us. You have the option to campaign to the same list as many times as you choose (same message or a different one) for 30% off on consecutive mailings as long as you send a campaign at least once every 7 days. We reserve the right to select times of day and to spread certain campaigns across multiple days. Target the prospects you really want and select from our databases. Some databases are quite large but, that does not mean you have to send to the entire list. For example: You could choose our MB/LO database with over 250K contacts and only send to a portion of the database - say 50K or 100K. We will always keep your campaign details on record, so when you want another campaign to more contacts we can eliminate the ones you already sent to, if you like, so you are sending to fresh ones! We find that most of our customers to date (small business marketing) are sending 25K - 75K once per week until they see the numbers they want. Everybody has their own strategies and methods. Some customers use our service to simply increase direct sales at their websites. Others (MB/LO, loan mod, credit repair, etc.) use our sending resources to drive leads to their submit pages on their websites. Either way, we only charge to send the messages. We in no way charge commissions or lead fees. All sales and leads are the property of the customer only. That is just another reason why we are different from many other vendors out there. Our Campaign Must Haves: 1. Your subject line - Make it brief, catchy if you can and to the point - avoid "spammy" terms like "Buy Now", "Hurry", "Sale", "Big Discounts" & "spammy" symbols like $, &, *, !, etc. Spam filters dont like those. 2. A first & last name - This will be shown on the "from" line. It should be the senders real name (though we wont tell if it isnt). Avoid strange names as spam filters dont like those either. 3. A valid "reply to" e-mail address - This will also be shown on the "from" line. It will be subject to receiving auto responses (out of office, vacation, etc.) and the replies from your readers. It will also be subject to anyone who received your messages - so select it wisely. Many business folks dont like responding to non professional free domain addresses like gmail, hotmail, yahoo, etc. Put your best foot forward. 4. Your complete message - Include a one line title, if you like, in bold to get your readers attention. Tell them who you are so dont forget the name of your business. Keep your paragraphs to three short sentences at most - any more and you might lose the attention of your reader. Use bullets for multiple important points you want to get across. You should have some kind of a closing statement to wrap things up and include your business name again, if you like (take advantage and brand yourself). Lastly, dont be afraid to let them know who you are personally, if you like - include your name, mailing address, phone numbers (direct, cell, office, toll free, etc.), and your "reply to" e-mail address again for them to see in your message signature. Everybody sends different messages so dont be afraid to try something - swing for the fences! Remember, we do not charge extra for helping you put together a message, code your click through links or redirect graphics from your host server. We are not copy writers or graphic artists though, but if you have any questions at all - please feel free to ask. Also, we recommend the use of shadow domains when you reference to or have links to websites as well as your e-mail address domains. We want to help protect your business assets. The net can sometimes be a pretty strange place to navigate, so think like a boxer - protect yourself at all times. Yet, another reason why we are different from many other vendors out there. Protection for YOU and YOUR Business Domains We have campaign programs specifically designed to protect your business domains from being blocked, redlisted or blacklisted. We send your messages from our commercial bulk sending platform. We send from multiple Class "A" IPs and multiple domains. This will protect you from any spam complaints because they will simply be directed to our server � not directed to you. We have entered into agreements with the mail server community and are required to follow the multi feedback loop procedures. We jump through the hoops so you dont have to! We handle spam complaints from our commercial bulk sender platform. When you follow our recommended protocols you will not have to defend yourself against spam complaints from mail server administrators against your business domains. NOTE: Our only restrictions are that your content must be industry B2B related (or easily approved). We do not send campaigns related in any way to MLMs, dating/escort/other websites, prescription medications or OTC medications such as weight loss pills, gaming enticements or any other advertisements that may violate Federal or State laws. You have plenty of individual options You can use your own "reply to" address and receive all the replies (and autoresponders) or we can use ours and you will receive nothing at all - just the click throughs to your website. You also have the option of using a "shadow" domain to further protect your business domain. For instance, your domain may be loanbroker.com. You can set up a shadow domain called loan-broker.com or loanbroker.net. We can enter this as the "reply to" domain and you will receive all your replies, but it will send them to your campaign domain and protect your true business domain (we have found that recipients rarely pay attention or even notice the difference). You can simply forward your campaign domain replies to your business address account. You can then correspond from your real address if you choose. This will even further protect your business domains and addresses from complaints, block attempts and blacklists. It really depends on what you are marketing and how you want to receive customer responses. We would like the opportunity to design your individual campaign. Projects take just 1 to 3 business days to plan and execute Its as easy as�1 - 2 � 3 1. You choose the database you wish to send to, the number of times to send to the database initially and your campaign �name & �reply to address (this data is your campaign instructions). The database can also be purchased at the BO discount price along with your campaign. 2. You enter �Mail Project: & your BO user name as your subject line. Your campaign message (in an attached word doc if you choose), your subject line and your campaign instructions. We will review your project, reply to you with updated database counts, campaign agreements & billing information. 3. We will send you a test message for your approval & then send your campaign. Contact us today Chris Adams Support@RealEstateDatalyst.com - Last Post by: datalyst on 11/07/2009 @ 12:52 PM

NEW! 371K+ MB/LO Database $379 -Simply The BEST! (by: datalyst)

Often Imitated - but Never Duplicated [url="http://tinyurl.com/Broker-Outpost-Member-Pricing"]Real Estate Datalyst.com[/url]

4th QTR 2009 Update NATIONAL TITLE COMPANY LIST [url="http://tinyurl.com/Title-CO-Database-BO-Discount"]Get your Title Company Database - Datalyst[/url]

4th QTR 2009 Update CALIFORNIA REA JUMBO LIST This database now has 161,400+ contacts. [url="http://tinyurl.com/CA-REA-Database-BO-Discount"]Get your CA REA Database - Datalyst[/url]

4th QTR 2009 Update FLORIDA REA JUMBO LIST This database now has 150,400+ contacts. [url="http://tinyurl.com/FL-REA-Database-BO-Discount"]Get your FL REA Database - Datalyst[/url]

4th QTR 2009 Update TEXAS REA JUMBO LIST This database now has 76,200+ contacts. [url="http://tinyurl.com/TX-REA-Database-BO-Discount"]Get your TX REA Database - Datalyst[/url]

[url="http://tinyurl.com/Broker-Outpost-Member-Pricing"]Real Estate Datalyst.com[/url] $129.00 - National Title Company Database $199.00 - State Jumbo Database $379.00 - National MB/LO Database We have the BEST EVERYDAY prices you will find! Retail prices: $199-Title Company Database, $329-State Jumbo Database & $579-MB/LO Database The files can be downloaded by format preference: Excel 2007 Version or Excel 97-03 Version. BROKER OUTPOST DISCOUNTS! ATTENTION: Click the small blue BO in the upper right hand corner of our homepage and you will see the Broker Outpost Special Pricing

We would like to do business with you, so if you have further questions please dont hesitate to contact us. Thank you and have a great day, Chris Adams support@RealEstateDatalyst.com - Last Post by: datalyst on 11/07/2009 @ 12:52 PM

Contact Our REAs & CREATE Private SALES Leads! (by: datalyst)

Often Imitated - but Never Duplicated [url="http://tinyurl.com/Broker-Outpost-Member-Pricing"]Real Estate Datalyst.com[/url]

WE MINE & SELL OUR OWN DATA - WE ARE NOT DATA RESELLERS� 95% E-Mail Address Hard Bounce Free Guarantee We are the ONLY business that will do ALL THREE services for you: 1. Sell e-mail address verified contact databases 2. Send your UNSOLICITED e-mail campaigns 3. Data mine websites for you We are the ONLY service who advertises SUPERIOR E-MAIL ADDRESS QUALITY because� We are the ONLY service that actually uses our own databases EVERYDAY You DESERVE BETTER than resellers � You DESERVE REAL DATA from the source [url="http://tinyurl.com/Broker-Outpost-Member-Pricing"]Real Estate Datalyst.com[/url]
HERES HOW ITS DONE E-mail marketing is how many (if not most) "lead providers" get their info. For the professional marketers it is low cost, immediate, trackable and extremely effective. You can pay $30 per lead and be forced to buy in quantity, say 50 or so minimum. That would be $1,500 just to get the same data that might have been sold to 50 other LOs the same week regardless of some "exclusive" offer, depending on how much you trust the particular provider. Or you can GENERATE your own PRIVATE leads by doing the marketing yourself We have customers every day who do this and they keep coming back, so their business model must be working for them. Many admit they simply cherry pick the leads and then SELL the rest (usually paying for their marketing costs by selling the "unwanted leads"). This works for all lead types: purchase & refi, credit repair, debt settlement, loan mods, short sales, recruiting, etc. E-mail marketing can consistantly work, but it is not for everybody. You cant be shy or afraid about what others may think. It is just business - make a plan and work it.
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Buy a 15K Health Plan or GO TO JAIL (by: GetLoans4me)

This is HILARIOUS. average family of 4 makes under 50K but Pelosi wants everyone to have 15K worth of insurance per year. Sounds about right. PELOSI: Buy a $15,000 Policy or Go to Jail JCT Confirms Failure to Comply with Democrats Mandate Can Lead to 5 Years in Jail Friday, November 06, 2009 Today, Ranking Member of the House Ways and Means Committee Dave Camp (R-MI) released a letter from the non-partisan Joint Committee on Taxation (JCT) confirming that the failure to comply with the individual mandate to buy health insurance contained in the Pelosi health care bill (H.R. 3962, as amended) could land people in jail. The JCT letter makes clear that Americans who do not maintain �acceptable health insurance coverage and who choose not to pay the bills new individual mandate tax (generally 2.5% of income), are subject to numerous civil and criminal penalties, including criminal fines of up to $250,000 and imprisonment of up to five years. In response to the JCT letter, Camp said: �This is the ultimate example of the Democrats command-and-control style of governing � buy what we tell you or go to jail. It is outrageous and it should be stopped immediately. Key excerpts from the JCT letter appear below: �H.R. 3962 provides that an individual (or a husband and wife in the case of a joint return) who does not, at any time during the taxable year, maintain acceptable health insurance coverage for himself or herself and each of his or her qualifying children is subject to an additional tax. [page 1] - - - - - - - - - - �If the government determines that the taxpayers unpaid tax liability results from willful behavior, the following penalties could apply� [page 2] - - - - - - - - - - �Criminal penalties Prosecution is authorized under the Code for a variety of offenses. Depending on the level of the noncompliance, the following penalties could apply to an individual: Section 7203 � misdemeanor willful failure to pay is punishable by a fine of up to $25,000 and/or imprisonment of up to one year. Section 7201 � felony willful evasion is punishable by a fine of up to $250,000 and/or imprisonment of up to five years. [page 3] When confronted with this same issue during its consideration of a similar individual mandate tax, the Senate Finance Committee worked on a bipartisan basis to include language in its bill that shielded Americans from civil and criminal penalties. The Pelosi bill, however, contains no similar language protecting American citizens from civil and criminal tax penalties that could include a $250,000 fine and five years in jail. �The Senate Finance Committee had the good sense to eliminate the extreme penalty of incarceration. Speaker Pelosis decision to leave in the jail time provision is a threat to every family who cannot afford the $15,000 premium her plan creates. Fortunately, Republicans have an alternative that will lower health insurance costs without raising taxes or cutting Medicare, said Camp. According to the Congressional Budget Office the lowest cost family non-group plan under the Speakers bill would cost $15,000 in 2016. - Last Post by: GetLoans4me on 11/07/2009 @ 12:31 PM

Things Are Better! Unemployment @ 10.2%!! (by: GetLoans4me)

Happy Days Are Here Again!!! http://www.cnbc.com/ - Last Post by: GetLoans4me on 11/07/2009 @ 12:30 PM

IOWA you LOST!!!! (by: GetLoans4me)

oh well, at least you had a good year. However, I do hope you beat Ohio State at their turf. good "luck" - Last Post by: GetLoans4me on 11/07/2009 @ 12:27 PM

203 k lenders? (by: conk0029)

Who is still doing this? Anyone else besides Plaza? Thanks- - Last Post by: conk0029 on 11/07/2009 @ 12:14 PM

FHA Jumbo 1x30 (by: cyborg7)

here is a scenario i have: $585,000 loan amount Newton, MA rate and term - consolidation of purchase 1st and 2nd. 95% ltv sfr 677 fico 1x30 Sept 09 on just their 2nd, now current what else? who can handle this? Wells, Franklin American and 1 other say no. WTF?? - Last Post by: cyborg7 on 11/07/2009 @ 12:07 PM

Anyone Planning On Watching The Breeders Cup? (by: VVance)

Any horse racing fans? - Last Post by: VVance on 11/07/2009 @ 12:05 PM

Great REO sale experience!! Litton/Old Republic (by: lucky1s)

Hey everyone you may enjoy this! I closed an FHA loan last Friday. REO owned by Bank of New York Mellon, Serviced by Litton, Asset Manager Old Republic. Get this: it took them 7 days to approve a closed HUD. Buyers wire was sent back to financing lender, insurance had to be cancelled, and they approved the HUD on Friday (today) after 5pm EST. So a warning for anyone out there doing anything with this combo. You may want to get an attorney involved for the buyer upfront. In this example, since we closed last month we are at the 6th (interest credit cut-off) and unable to use the closing package signed and have to reclose. Not a big deal right? Well it changes everything now. New insurance rate went into effect, escrows are different, lock needs extended, and cash to close is now over what was uw so it needs to go back to uw. Anyone else come across something like this?? Now 1st time homebuyer may not get house. He already moved in after they cashed his check. What a mess because the seller couldnt approve the HUD faster than a weeks time. Makes me want to get out of the way before a bulldozer comes through and flattens everyone involved. - Last Post by: lucky1s on 11/07/2009 @ 12:03 PM

GMAC no more FHA streamlines? (by: liverichly)

Got an announcement from a company (1AM) who uses GMAC exclusively to sell their FHA streamlines, was told that GMAC was discontinuing the product - is this something that well see more lenders follow? - Last Post by: liverichly on 11/07/2009 @ 11:53 AM

LOOKING FOR CHARTER BANK OPPORTUNITIES (by: liverichly)

ANYONE GOT ANY INFO ON ANY GOOD CHARTETR BANK OPPORTUNITIES OUT THERE ALLOWING ONE TO BEST ORIGINATE IN ALL 50 STATES! WITH ALL THE POSSIBLE CHANGES COMING INTO AFFECT. THAT LOOKS LIKE THE BEST WAY TO GO. - Last Post by: liverichly on 11/07/2009 @ 11:51 AM