Tuesday, October 25, 2011

Got pain?

This is not Mortgage related, however we have lived very close to this for years see the video clip at the bottom of the page and feel free to share with those you love and care for. Not for everone, but just check this out.


Monday, October 24, 2011

Mortgage interest rates

Bill Fisher earlier Mortgage Coach Rate Watch report:

Fannie Mae, in a forecast issued last week, predicted that 30-year fixed mortgage rates would average 4% in 2012, and 4.2% in 2013. Pause in the midst of your current sip of coffee and ponder with me one of the likely ramifications of this forecast (if correct).

As the relatively humorless writers of the Fannie Mae forecasts have it, “Despite recent marginally positive economic trends, the economy is stuck in a slow growth scenario that is expected to continue for a relatively extended period.” (Don’t you just love those “recent marginally positive economic trends”? It’s like a young teenager getting a ten cent increase to his monthly allowance. Gosh, thanks, Dad! And how about that “relatively extended period”? Enough already?)

Wide receivers and interceptions

We were at church yesterday and the sermon topic very apropos for this time of year and football. Boy wasn’t Sunday so sad for Cardinals, and the Colts.

It was about interceptions.
I guess you would say we are the receivers that intercept the lenders plays.
Welcome to the new Era of lending.

Hope you had a great weekend. http://mrwilljville.blogspot.com

Wednesday, October 19, 2011

What is your Cause?

An interesting read last night. We all think about goals and mission statements, however think about this what is your cause. Seems you can move more on a cause that you can a goal. We were thinking of my coach Jack Harsh mentioning to me about what is my passion and then this book. The title For the Cause by Brian Houston~ published by Maximized Leadership INC.

You know think about this for a moment and look up the meaning of cause.
A- A reason for an action or condition
B- Something that brings about an effect or result
C: a person or thing that is the occasion of an action or state; especially: an agent that brings something about.

So are they Goals, Passion, or?
This will make you look closely to what motivates us.

Mr. Will from Jacksonville www.willrudloff.com

Your Christian witness in the Market Place.

Tuesday, October 18, 2011

Be creative

Waiting for the next onslaught of news from the world’s credit markets, here’s some musing on “recovery.”

The Sacramento-Stockton area, since it was an epicenter of foreclosure activity, has more recently begun to demonstrate the ways local real estate markets can emerge creatively from the depths of the economic crunch.

The community of Elk Grove, for example, has 967 bank-owned properties, most of them boarded and silent, waiting to go on to the market at an undetermined future date. Recently, though, fifteen of the homes have been purchased by a municipal organization, improved, and sold at a low enough price to qualify as a great opportunity for low-end buyers.

The money for this comes from the federal Neighborhood Stabilization Program and the improvements are guided locally by NeighborWorks. The amount of money allocated is determined by how bad the foreclosure situation is and has been in an area. Elk Grove has receive $2.4 million. The city suffered 2,657 foreclosures between January 2007 and June 2008—which should qualify it for great sympathy, at the least.

There are currently about six homes on the market (check egplanning.org/housing). It’s limited to first-time buyers within certain income ranges. And it’s working.

Now, the sale of fifteen homes to qualified low-income buyers is hardly going to make the foreclosure problem disappear. But within the modest parameters of its goal and expectations, it’s working. When a home goes from empty and boarded to attractive and occupied by people with pride of ownership, the whole neighborhood begins to improve. Lenders get REOs off their books. Local builders get work. And any profit generated by the project goes back into the program to help bankroll the next home improvements. (The program also includes assistance with down payment.)

Such things need to be done on a small scale, it seems; otherwise, they stop working very well. “Baby steps,” as the old film, “What About Bob?” asserted.

I confess I am astonished that we are still seeing so few effective programs dealing with foreclosed properties, homeowners who are underwater, and neighborhoods in decline. Perhaps most people look at the magnitude of the remaining problems and assuming it’s all too much and there is no way to whittle it down to the size that allows us to make genuine progress toward solutions.

Monday, October 17, 2011


We heard an interesting sermon yesterday about baggage that we carry around with us.
One thought popped out at me as we were listening. The ole adage sticks and stones will break my bones, but words will never harm you, is a lie words do hurt and you can carry them around with you for years. So check yourself if you hear them, and remember you are what you think about every day so to thy own self be true, think great thoughts. “There is nothing quite so complicated as simplicity.”

Mr. Will from Jacksonville

Thursday, October 6, 2011

Steve Jobs

Here is something for you to really consider……
We all heard of the great loss to mankind with
the passing of Steve Jobs.

I honestly feel like I have lost a friend with his passing.
Here he was, 56 years old, loved by millions…..
Handsome, clever, witty, enriched countless lives….
….and had Billions of $$ in the bank,
one of the wealthiest people on earth….

Yet,  you and I are infinitely wealthier than he is…
…. As WE HAVE TODAY,  and sadly, he does not.
Spend your infinite wealth today on something
that matters, enrich people's lives like Steve did.

Spend your day today,
like Steve Jobs would spend it if he could.

Make today count!
Celebrating the gift of "Today" with you today,
Carl    Carl White a systems Coach associate earlier willrudloff.com