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    My Reads

    • No Shortcuts to the Top: Climbing the World's 14 Highest Peaks
      No Shortcuts to the Top: Climbing the World's 14 Highest Peaks
      by Ed Viesturs, David Roberts

      "Ed and David Roberts have given the reader a never before look into the climbing and personal life of America's icon of mountain climbing. This includes the mental methods of climbing with various partners, dealing with circumstances outside of the sphere of control, and the decisions impacting self and family."

    • First Things First
      First Things First
      by Stephen R. Covey, A. Roger Merrill, Rebecca R. Merrill

      "It shapes a lifestyle, a discipline full of virtue and enchantement. Think of it as a trip to Tibet packed with a senior executive course on people skills - a profoundly humanistic work for the self who's also a contemporary citizen of the world."

    • The Lies About Money: Why You Need to Own the Portfolio of the Future
      The Lies About Money: Why You Need to Own the Portfolio of the Future
      by Ric Edelman

      "Ric Edelman does a good job of discussing the perils of mutual funds and what to look out for when investing. His sections are short, simple, easy to read and provide a relatively straightforward explanation of the topics."

    • If You Don't Make Waves, You'll Drown: 10 Hard Charging Strategies for Leading in Politically Correct Times
      If You Don't Make Waves, You'll Drown: 10 Hard Charging Strategies for Leading in Politically Correct Times
      by Dave Anderson

      "Even if you disagree with the approach at times, you won't be able to deny the truths contained and the relative strategies that Dave recommends for curing our businesses and our country. They work, when applied properly and consistently."

    • The Truth About Money 3rd Edition
      The Truth About Money 3rd Edition
      by Ric Edelman

      "A comprehensive guide to the different methods and options available to the individual investor, along with some useful information regarding budgeting and purchasing"

    • Integrity: The Courage to Meet the Demands of Reality
      Integrity: The Courage to Meet the Demands of Reality
      by Henry Cloud

      "The basic assumption here is that "integration" or "wholeness" of character is a necessary component in order to reach one's maximum potential both personally and professionally, and that character is not fixed or unchangeable. This book is extremely inspirational and informative. It is a roadmap to success and happiness."

    My Top 10

    My Top 10 Favorite Truths!

    1) You cant predict the future.

    2) You can only control yourself and your choices...and some days that is even a stretch!

    3) Happiness is a choice.

    4) Anything is possible!

    5) Perception is Reality.

    6) Expectation, determines outcome.

    7) Honesty, is the only policy.

    8) Every Failure is an opportunity for growth.

    9) Tomorrow is not promised to you.

    10) Family is the most important thing in the world, and can be found anywhere in the world.

    Favorite Quotes

    My Favorite Quotes!

    1) Imagination is more important than knowledge.-Albert Einstein

    2) What you get by achieving your goals is not as important as what you become by achieving your goals.-Zig Ziglar

    3) It is wise to keep in mind that neither success nor failure is ever final.-Roger Babson

    4) Whether you think you can or whether you think you can't, you're right.-Henry Ford

    5) How we spend our days is, of course, how we spend our lives.-Annie Dillard

     

    « Real Estate is No Longer About LOCATION, LOCATION, LOCATION! | Main | 5 Dumbest Reasons Given for Not Buying a Home »
    Wednesday
    Jun302010

    THE TEN COMMANDMENTS - When Applying For a Mortgage Loan

    DateWednesday, June 30, 2010 at 9:00AM

    In my more than 20 years in the mortgage industry, closing thousands of home loans, I've seen buyers make some HUGE and COSTLY mistakes. Most of the mistakes I've seen home buyers make are actually regarding things that most mortgage and real estate professionals think are "common sense" and assume home buyers should automatically know to avoid. The truth is that nearly all first-time buyers don't know about the potential costly mistakes they could be making and a very large portion of the move-up buyers are unaware as well. If you, your client or someone you know is in the process of buying a home or just thinking about buying a home, I encourage you to read and share the "TEN COMMANDMENTS" below. It's important for you to know that not all mistakes you make during the home buying process can be reversed, much less fixed before closing. If buyers goof up and make innocent mistakes, they might very well get stuck with the consequences for a long time or, worse, their deal might not even close! Good luck to you in your home buying process and please always feel free to let me know if you have any questions or if I can help you in any way!

     

    THE TEN COMMANDMENTS - When Applying for a Mortgage

    1. Thou shalt not change jobs, become self-employed or quit your job.

    2. Thou shalt not buy a car, truck or van (or you may be living in it).

    3. Thou shalt not use credit cards excessively or let current accounts fall behind.

    4. Thou shalt not spend money you have sent aside for the closing.

    5. Thou shalt not omit any debts or liabilities from your loan application.

    6. Thou shalt not originate any inquiries into your credit.

    7. Thou shalt not buy any new furniture for the house you don't have yet.

    8. Thou shalt not make any large deposits without checking with your loan officer.

    9. Thou shalt not change bank accounts.

    10. Thou salt not co-sign for anyone.

    AuthorMichelle Coolidge | CommentPost a Comment | Print ArticlePrint Article

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