Wednesday, May 30, 2012

Auto repair and Honesty

Auto repair is something we all from time will need and the folks at
Hugh's Automotive
in Riverside go above and beyond in giving you the complete scoop even if you may not like the outcome. Eric thanks for the great information and Hugh a great courteous staff. Call them when you need professional advice and see their web site second to none. Mr. Will from Jacksonville

Happy Home~Owners is my Job

Boy the mortgage Brokers life today is so stressful, we are still trying to make the process less painful. Thanks so much GREAT CLIENTS and FRIENDS. Mr. Will from Jacksonville. We are in the process of re vamping our Web Site so please be patient and let me know your feedback so we can make it more client friendly. M/W tm

HARP @ Hype or ??

Hype about HARP 2 and You. Excerpt from the Los Angles times, CNN News, Fox, MSNBC Like all loan programs, HARP 2.0 can’t solve all problems for all homeowners seeking to refinance. To be eligible under the current program, the mortgage must be owned or guaranteed by Fannie Mae or Freddie Mac. These programs set up a loan limit of $417,000, but can be up to $625,500 in high cost areas. The current loan-to-value ratio (LTV) must be over 80% and has no LTV limit for fixed rate mortgages Homeowners must be current on their mortgages, with no late payments in the past six months and no more than one late payment in the past year. Even with these limitations, however, many homeowners should be able to lock in some very favorable interest rates, and help put their upside down houses back on their financial feet. That is, for borrowers who qualify. Questions ask Mr. Will or Email mrwilljville@comcast.net

Tuesday, May 29, 2012

Double Check Yourself - View topic - Manta Connect

Double Check Yourself - View topic - Manta Connect

Earlier today one of my Business partners called me and mentioned we had a typo on our e mail message signature. How timely this article was.
Thanks Ron Promo Express. 

Monday, May 28, 2012

Memorial Day Weekend what service 9:00AM or 11:00 AM?

We were spared as far as the Storm it could have been so much worse thank God. Here is a cute story shared by our Sunday school teacher Sunday. THEY DIED IN THE SERVICE One Sunday morning the pastor noticed little Alex was staring up at the large plaque that hung in the foyer of the church. The plaque was covered with names, and small American flags were mounted on either side of it. The seven-year-old had been staring at the plaque for some time, so the pastor walked up, stood beside the boy, and said quietly, "Good morning Alex." "Good morning pastor," replied the young man, still focused on the plaque. "Pastor McGhee, what is this?" "Well, son, it’s a memorial to all the young men and women who died in the service." Soberly, they stood together, staring at the large plaque. Little Alex’s voice was barely audible when he asked, "Which service, the 9:00 or the 11:00?"

Wednesday, May 23, 2012


We are one of those half full type people so the empowerment of self comes from within. As a man/ women thinketh so is he/she. Speaking of empowerment these folks at National Credit are miracle workers in helping my clients see daylight in the credit process. Robert Gutmann Regional Account Manager National Credit Care Office: 866-595-6313 ext 407 Cell: 210-287-6363 Sales Fax: 888-501-3253 Processing Fax: 877-754-5724 www.nationalcreditcare.com

Saturday, May 19, 2012

Troubles and Man

Forbes Thought Of the Day “A man handles his troubles during the day; he goes to bed at night a General, Captain, or Private.” — Edgar Watson Howe
To contact Mr. Will

Thursday, May 17, 2012

Honey and How Much

We saw this special on Honey and wanted to pass along. Our Pastor always talks about his special Honey cures so maybe this will be helpful. How much Honey and for what http://www.benefits-of-honey.com/about-honey.html Thanks for letting us share Mr. Will from Jacksonville

Mortgage Closing Time Lines Sad but True

From earlier Rob Christman on the loan process: Accenture Credit Services announced that, "Low interest rates, less competition, more regulation and tighter credit standards have pushed the time it takes the biggest mortgage lenders to refinance a mortgage loan from 45 days a year ago to more than 70 days now." Underwriters, who in the past could underwrite 6-8 files a day, now do 2-3 - and they've turned into auditors instead of underwriters. And the borrower, of course, is the one who pays the cost of the longer time frames and the higher overhead. See Mr. Will from Jacksonville's web page or Google

Wednesday, May 16, 2012

Your Mortgage IQ

Refinancing with the new HARP 2 for Underwater Home Owners is it easy? Yes or No How long could it take 30days 60 days 90 Days Comment below or call Mr. Will and go to our Website and post your comment or you can also post below make a comment

Saturday, May 12, 2012

Communication what are you saying

One of our recent videos on Bank bobbers and communication it cost him his life.

Wednesday, May 9, 2012

The Players Championship Then and Now

The PLAYERS may no longer be the fifth major. But it’s still a great tournament, thanks to its strong field, its designer and it’s money. In 1982, its first year at the Sawgrass Stadium course, the total prize money equaled $500,000. This year, the prize money will be more than $9.5 million, the richest event on the Tour.
Monte Burke, Forbes Staff
Not bad from 500k to $9.5 million MWfJ™ Mr. Will from Jacksonville
Look for our next post on the ever changing pieces of the Mortgage Pie

Tuesday, May 8, 2012

Expect the Unexpected it is the New Normal

Today expect the unexpected. Never and I mean never, expect that there will not be some bumps in the road to Underwriter-Ville. In today’s New Era of lending and a shortage of good Processors, Underwriters, and inside help the process is very stressful! We do try and set the stage however, with the instant gratification world we live in it is very unsettling to many who are applying for Mortgage loans to understand. With the exit of over 40,000 or more Loan officers and support folks from the ranks it is more work delegated to less people. We have an article about the perfect loan that was presented by Forbes that we would gladly share with those looking to Refinance or purchase a home is Buyer beware, but know the reasons why and you will see. E-Mail me at mrwilljville@comcast.net or go to our website www.willrudloff.com and request the perfect loan article this will be worth the read. Have an Empowered day and tell someone today about our help in the mortgage process. Mr. Will from Jacksonville

Monday, May 7, 2012

Flood insurance When and why??

From one of my Insurance Partners Jan with Allstate: Flood Insurance and Me. • 28 percent of all flood claims paid by NFIP are outside of Special Flood Hazard Areas? • There is a 26% chance of experiencing a flood during the life of a 30 year mortgage compared to only a 4% chance of fire. • Federal disaster assistance is usually a loan that must be paid back with interest. For a $50,000 loan at 4% interest, your monthly payment would be around $240 a month ($2,880 a year) for 30 years. Compare that to a $100,000 flood insurance premium, which is about $400 a year ($33 a month). Don’t put the biggest asset you own at risk for pennies a day!!!!!