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Demand Strong for Treasury Debt

by Dan Groteboer

With major economic data, large Treasury auctions, and a Fed meeting on the schedule, it was a busy week for mortgage markets. In the end, it was the Treasury auctions which had the greatest impact on mortgage rates. Demand was very strong at the auctions, which pushed mortgage rates lower. Wednesday's Fed announcement and mixed economic data were roughly neutral for mortgage rates.

Much of the rise in interest rates we saw in late May and early June was due to concern about the enormous supply of debt the government needs to issue to pay for all the stimulus programs. The question was whether investors would require significantly higher yields to continue purchasing bonds. Strong demand from both domestic and foreign investors at this week's Treasury auctions eased those concerns for now and helped mortgage rates to reverse some of their recent increases.

As expected, the Fed made no change in the fed funds rate. However, investor expectations varied widely for the Fed's statement, but the statement revealed no significant shifts in policy. In particular, there was no change in the timing or the quantity of future MBS and Treasury purchases. In addition, the statement contained no discussion about exit strategies to eventually unwind Fed stimulus programs. Overall, the Fed simply held the course, and mortgage rates were nearly unchanged after the news.

In the housing sector, May Existing Home Sales rose 2.4%. It was the first time since September 2005 that Existing Home Sales increased for two months in a row. The inventory of unsold homes declined to a 9.6-month supply from a 10.1-month supply in April. A NAR survey revealed that 29% of sales were to first-time homebuyers, helped by the $8,000 tax credit, low mortgage rates, and favorable affordability levels.

Author:  Mortgage Time 

 

One reason keeping you in "commodity prison"

by Dan Groteboer



I’ve written about the importance of specialization before. If you’re not a specialist, you’re a commodity, which means you’re in a sort of prison. Commodity prison. 

 

Commodity prison means you can’t charge a premium for your product; you compete with your competitors based on price alone; your business is mainly prospecting driven (or spending your last few dollars on “hopeful,” usually ineffective marketing strategies) instead of attracting customers to you; it’s hard, if not impossible to establish customer loyalty. Sounds awful, doesn’t it? Yep, commodity prison sucks. 

 

One key that will open your commodity prison door and grant you freedom into the land of specialization is purpose. Yes, purpose. I know, it sounds so fluffy, right? What the hell does that mean anyway? 

 

When you’re “on purpose” professionally it means you are leveraging your unique talents and abilities that you absolutely love and build a business around it. You generate your income from doing what it is you are super passionate about and innately competent with. 

 

Let’s address something right up front: many people I know and I meet are earning their income doing something they don’t love; in some cases doing something they absolutely detest. This is a road that usually leads directly into commodity prison. How the hell can you expect to stand out when don’t even enjoy your work?

 

You can’t. Here’s a perfect example of this situation and hopefully some inspiration to move you. A close friend of mine, John Strelecky, is currently an author. A best-selling author in several countries at that. He didn’t start out as an author though.

 

Several years ago, John lived in Chicago. He was a consultant at one of the big consultancy firms, flying all over the world working with companies, helping to make them more effective. Sounds awesome, right? 

 

Not for John. For him it was just a job; he wanted to travel the world on his own terms, on his own schedule and be in control of his income. And here’s the thing: John was making good money; but because he wasn’t on purpose, he would never move up the ranks of his behemoth company – he didn’t have the desire to work extra hard or be creative to stand out. You simply cannot access your creative talents when you're not on purpose (and what being on purpose provides for you).

 

So John decided to do something about it. He and his wife sold everything they owned, and with the proceeds plus his savings, traveled around the world for an entire year. Over the course of that year, John found his passion for writing and inspiring others, and wrote his first book, “The Why Café.” It took him about a year to do it.

 

He’s since gone on to author 3 more books and live a very healthy financial lifestyle. Most importantly, he’s on purpose. His books have a unique flavor that combine a fable with success principles that resonate with people around the globe. He’s now a specialist, and damn good at what he does. People buy his books and book him for speaking engagements without him having to lift up the phone. Pretty cool.

 

Purpose is essential to be at peace in your life and it’s an integral part of being a specialist. When you’re on purpose, you have the drive, determination and creativity to be different from your competitors and you find a way to stand out. In fact, because you’re doing what you love, differentiation is the easy part. Sometimes it’s your authentic passion around what you’re doing that creates separation for you.

 

Not sure if you’re on purpose? A great place to start is to read Dan Sullivan’s book, “Unique Ability.” This is a fast, simple read and when you’re done you’ll learn your innate, unique ability, giving you guidance to your purpose. 

 

It’s time to get out of your own, personal jail and taste the fresh air of specialization. Your life will be transformed when you do.

Author:  Marc Manieri

 

Michael Jackson: An Ordinary Man

by Dan Groteboer
So...Michael Jackson died last week. I don’t quite understand why people are so shocked.   It was really just a matter of time. In fact, I am surprised that he lasted as long as he did. He was so tortured inside that there was no other possible outcome. He was completely disconnected from himself in every aspect of his life; so much so that he lost sight of who he was. Certainly, a look in the mirror only served as a reminder of how far he had journeyed from the guy he was on the inside. Did the road he travelled lead to a successful life or was it ultimately the pathway to his death?

Over the weekend I caught glimpes of his story on TV.  I wanted to hear something new, something I hadn't heard before. I flipped from channel to channel until I finally settled on an interview with Stacy Brown, the author of a Michael Jackson biography entitled “The Man Behind the Mask”. He made a connection between Michael Jackson and Jesus, saying that Michael Jackson’s mark on the world could have left as much of an impact as that left by Jesus. Stacy Brown suggested that Michael Jackson could have really helped people make positive transformations in their lives… if only that was the choice he would have made. According to Brown, Michael Jackson was in the position to really have an enormous effect on the people he touched; far beyond just the music he produced. He had the power to help people recover from drug addiction, alcohol abuse, and other destructive behaviour. He had the ability to truly help kids in need, rather than create suspicion about his own intentions where kids were concerned.

He had the attention of millions and he blew it away. 

He was too focused on what other people thought of him, on how he looked, on trying to be perfect in the eyes of the public, and managing his image to really pay attention to the needs of others. The harder he worked on looking big on the outside, the smaller he got inside. He wasn’t all that different from many people I work with in private coaching. They spend so much energy worrying about other people’s opinions that they can hardly access their own. They lose sight of who they are and what is really important to them. I see this all the time through the Frame of Mind Coaching process. It’s really quite an ordinary problem. As extraordinary as he was, Michael Jackson was truly just an ordinary man grappling with ordinary issues. He just never saw himself that way. 

Even though most of us are not as famous as Michael Jackson, we all have the potential to have a positive effect on others. All we have to do is make the choice to do just that and focus on it. After all, what you focus on grows!

Author:  Kim Ades

The Reality Show Mindset

by Dan Groteboer

I like this new show on TV called Cake Boss. It takes place in an Italian Bakery where we see how they make these amazing specialty cakes for weddings, charities, occasions etc. And, they are incredible!. Last night they made one for a children’s hospital and they had a big yellow cartoon style airplane perched on top of a slab of sky blue icing and a puffy cloud and it served 500 people. He made a stunning tiered wedding cake with cascading Cali lily’s for a bride and she hated it, and he made her another one which was also exquisite. I would have thrown it in her face!

And this brings us to the point of the article. This cake guy has an incredible mindset. He takes such pride in his work and it is his mission to make extraordinary cakes and make his customers happy no matter if its bridezilla, a charity cake on the house, or a rush job that he is insane to say yes to. In any scenario he comes to the table to play, and to win.

Successful people have a mindset that is continually moving them towards their goals. What is your mindset?

Author:  Jacqui Markowitz

Be the Difference...

by Dan Groteboer

 

Be Green. Be Giving. Be Doubled. Be Great.

Be the Difference...

Listen to Why We're Here?

A survey conducted by Harris Interactive substantiated Boys & Girls Club impact with results from a 2007 alumni survey:

90% report the Club was one of the best things available in their community;

82% agree that their participation in the Club helped them develop a sense of responsibility to give back to their community;

77% report learning good leadership skills;

62% report that the Club played a role in becoming more committed to their education; and

57% report that the Club ?saved my life.

The vision of Boys & Girls Club is to give every child access to a safe, nurturing, educational environment that positively impacts their lives. Boys & Girls Club wants youth participants to have a sense of belonging and ownership about their Club. Membership allows for responsibility and accountability to their Club, which to many is a home away from home. The Club is able to provide programs and services to youth that other agencies have difficulties reaching and is dedicated to reducing the barriers families in need face when accessing quality programs.

We need your help to support kids who need us most. Donate now to make a difference in the life of a child. Become a Sustaining Investor. For only $50 a month you can give a child a full year of life enhancing programs at the Club.

 

 Invest Now in Rochester youth by making a donation today.

All donations up to $17,500 will be matched 100% by Think Mutual Bank until June 26th!! Become a sustaining investor and have your entire pledge matched!

 

Thank you to our current online investors!!

Mayo Friendship Club

John Marshall High School Students

Julia Accola

Tamara Berg

Joel Blahnik

Kathy Bonapace

Mike & Nancy Domaille

Larry Guse

Karen Hanson

Sandra & Dominic Hillesheim

Pastor Lester & Dianna Horntvedt

Barb Huus

Larry Kent

Mark & Cheryl Kieffer

Kyle Kirchner

Lynne Kirklin

Sheila Kiscaden

Ruth Larson

Barb& Gary Malat

Jeff & Kristy Mintz

Tom & Carolyn Richards

Marilyn Riederer

Thomas & Pamela Sebo

Richard & Susan Stirn

Chris & Stacey Terry

Joyce Wenz

Earlene Wickre

Vicki Wolff

 

Please pass this exciting opportunity to all who may be interested in supporting Rochester youth!

 



Boys & Girls Club of Rochester | 1026 E. Center Street | Rochester, MN 55904 | 507-287-2300
lkent@bgclubroch.org


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Boys & Girls Club Day at Panera Bread

by Dan Groteboer

Be Green. Be Giving. Be Doubled. Be Great.

Panera Bread helps support Boys & Girls Club of Rochester by donating 25% of all proceeds during business on June 16th to support the Club. This event will help to raise awareness of Boys & Girls Club of Rochester’s “e-campaign”; which encourages people to go online to invest in youth and the community. Funds will be used to support programs and services provided by Boys & Girls Club of Rochester to help all youth

Be Great.


Additionally, ALL donations made during this event will be MATCHED 100% by Think Mutual Bank!


As a board volunteer, you can support this initiative in the following ways (and earn a FREE t-shirt)


Volunteer at one of the Panera locations during one of the following times: 7:30am-9:30am, 11:30am-1:30pm, and 5:30pm-7:30pm

 
Visit Panera on June 16th with ALL of your friends.

 
Take advantage of Panera’s new Via Panera Catering!

Panera Bread now offers FREE Delivery on all orders $50 or more off the catering menu. Place orders by 5pm on June 15th; show your co-workers how much you appreciate them and order lunch!

 
Tell all your friends, family, neighbors, co-workers, strangers to go to Panera on June 16th!!


Panera Locations:
Panera Bread North - 3780 Marketplace Dr. NW
Panera Bread South - 460 Crossroads Dr. SW

Allow Yourself to Succeed

by Dan Groteboer

Allow Yourself to Succeed

By Jacqui Markowitz

 

Success lies within each of us.

My friend told me a fascinating story. She went to a spa in Arizona, where you hike, meditate, heal - it sounds like a marvelous combination of the physical and the spiritual. One of the things she did is to climb a pole. They put her in a harness and she climbed using stepping rungs a 25 foot pole and when she arrived at the top she was told that she should climb on to the top of it and stand up.

How do you possible maneuver your body to climb up on such a small circumference with nothing to hold to hoist yourself up? It sounds impossible. How do you get one foot up and then balance at that height to place your other foot on top and stand? 

She struggled. She was frustrated. She screamed that she couldn't do this, that is was not possible, she cried. They kept encouraging her. And then she did the most remarkable thing.

She stopped. She focused her mind. She chanted to herself, "G-d loves me" and she placed on foot on the circle, and then the other, and then she stood straight and completed the pole.

She then allowed gravity to propel her body back to the ground. Invigorated. Inspired.

She had tapped into a source of power that lay deep within herself to overcome her challenge. For her it was her faith in G-d. What is it for you?

I believe that we all have incredible strength which often remains dormant until we are challenged. And then, we uncover a piece of ourselves which allows us to soar and reach our ultimate success.

Meditate YOUR way and reap the rewards

by Dan Groteboer

Meditate YOUR way and reap the rewards

Monday, May 11, 2009 by Marc Manieri



I'd be willing to bet that you know someone who meditates regularly.  I'd also be willing to bet that that person is someone who experiences peacefulness often and whom good things tend to happen on a regular basis.  

The idea of meditation has gone relatively mainstream - it's an accepted practice in our world today and generally speaking, even if we don't do it ourselves, we accept the fact that meditation is a healthy way of taking care of our emotional and spiritual well being.  Meditation is a form of personal mindset coaching; it builds emotional resilience.  In short, it makes us more peaceful.  And when we're at peace, life is easier; we're easier to be around; we get along with and communicate with people more effectively.  All of these truths lead to one result: increased opportunity and abundance.

So if the above is true (and it is), why aren't more people practicing meditation?  The answer is because the word mediation conjures up visions of a yoga guru sitting atop a mountain, legs crossed, palms up, eyes closed, in deep, concentrative thought.  Not that there's anything wrong with this picture, of course, but there's no doubt that many of us have  preconceived beliefs about meditation.  Most of those beliefs are limiting.  When I ask people if they meditate, I hear things like, "I don't have the time;" "I don't have the right environment;" "I can't sit still." Perfect, me neither.

The truth is that there's no one perfect way to meditate.  There are many.   The cool thing is it doesn't matter how you do it.  What matters is that you change your thinking around whether or not you can meditate and do something - in a way that works for you - so you get the rewards outlined above.  I'll illustrate 4 different ways of meditation below.  Pick one, or create a variation of one, or make up something - and try it 1 day a week to start and record how you feel afterward.  I'll bet you'll experience peacefulness and clarity that makes you want to do it more often.
 

1.              Traditional. Okay, if you're open minded about all this mediation stuff than you can try traditional meditation techniques right off the bat.  In doing this, you'll want to find a quiet place - this could be a quiet room in your home, your backyard, the woods, the library - even your car.  Get comfortable.  Sit indian style (or legs in front of you, whatever makes you most comfortable) with your back straight, palms up resting on your legs.  Gently close your eyes or keep them open.  Breathe in and out through your nose.  Your mind will start to wander; when it does, turn your attention back to your breath and stay focused here for as long as it feels right.  Try this for just 5 or 10 minutes; extend your meditation sessions as you continue.  Upon completion, notice how you feel.  Perhaps you feel a bit more peaceful and relaxed.  And remember, there's no success or failure when you meditate.  It's the process itself, regardless of what transpires, that's important to your well being.  For more information on how to traditionally meditate, visit this link:  http://www.how-to-meditate.org/meditation-posture.htm/

2.              Walk or exercise.  Meditation is as much about clearing your mind and connecting to source (or the universe, or God, or the earth - whatever your spiritual beliefs are).  When you do this, you access peace.  For many, walking or exercising is a great way to clear their mind.  Taking 20 minutes a day to focus on your "to be" list instead of your "to do" list is crucial to achieving a state of peacefulness.  The key here is to be intentional around clearing your mind; simply going to the gym and working out as normal doesn't accomplish this.  However, if you find great peacefulness in exercising, turn it into a meditation practice too by focusing on your breath and keeping your mind clear of thoughts.  Do this, and you'll get a spiritual work out in addition to a physical one.

3.              Listen to music.  Music plays an important role in the world as it consciously changes our physical state.  We can be upset, put on our favorite song, and immediately feel better.  Well, how we feel is a reflection of the thoughts we're thinking.  So meditation is about exercising our "mind muscle" and learning how to manage our thoughts.  When we do this, we build our emotional resilience and strengthen our ability to be calm in the face of adversity.  You can be just about anywhere and meditate with music - in your room, the car, even the subway.  The best music to meditate to is slow in rhythm and beat (remember, we're trying to slow our thoughts down and ultimately clear our mind completely of all thoughts), and purely instrumental.  Words are okay, they just tend to slow one's ability to focus on the breath and clear the mind. Again, be intentional about focusing on your breath.  After 15 minutes of music meditation, you'll notice a difference right away. 

4.              Journal.  Journaling is one of the most therapeutic forms of meditating because the results are so instantaneous.  When you journal, the moment your pen touches paper or your fingers hit the keyboard, you start to feel better.  Why?  Because you're unloading your thoughts out of your brain.  The average human being has 60,000 thoughts per day, many of which are toxic. Journaling releases these thoughts and literally clears your mind.  Go to the the dollar store, buy a $1 spiral notebook, find a pen in any drawer in your home, and write.  Or, go to www.frameofmindcoaching.com and access free journaling software.  You'll get a free, web-based, password protected journal, complete with 52 weeks worth of writing assignments.  The key to journaling in making it a meditative practice is not just writing about what happened in your life, but how that makes you feel.  Now you're clearing your mind of thoughts (because feelings are a reflection of thoughts, remember?) and giving yourself the opportunity to focus on what makes you feel good. 
 

So there you have it.  Meditating can be as traditional as the Dalia Lama himself, or it can be any activity that provides a channel for you to access peace.  Clear your mind, focus on your breath and just be still and silent.  When you do this, you access peace, and in turn, start to allow the universal law of attraction to work in your favor, bringing people and opportunities into your life that perhaps you never thought possible.  Oh, and let's not forget: you'll feel better!

 

Public Service Announcement

by Dan Groteboer

PUBLIC SERVICE ANNOUNCEMENT

*RE: Temporary Street Closures - DM&E Railroad Activities*
 
Where: Multiple Street Closures (see below)
 
When: Thursday, May 21, 2009 from approx. 11 a.m. until 9 p.m.
 
Dakota, Minnesota & Eastern (DM&E) Railroad is planning to unload new rail through the Rochester corridor beginning at approximately 11 a.m., Thursday, May 21st.
 
They will begin their unloading activity on the east side of Rochester (1 mile east of E. Circle Drive). Their train is 2000 feet long and they unload rail in 1600 foot segments. Thus, multiple street crossings will be impacted as DM&E crews carry out their rail unloading activity. They will travel westward from E. Circle Drive unloading rail. This activity will temporarily close several crossings at the same time (i.e. 15th Ave NE, 11th Ave NE, and 9th Ave NE). These crossings could be closed from 1 to 2 hours in duration.
 
All Rochester Railroad / Street Crossings will be impacted and they include: E. Circle Dr (CSAH 22), 15th Ave NE, 11th Ave NE, 9th Ave NE, 7th Ave NE (Cemetery entrance), W. Silver Lake Dr (2nd Ave NE), Broadway, 1st Ave NW, 4th Ave NW, 6th Ave NW, 11th Ave NW, and 7th St NW.
 
The traveling public should avoid the easterly city street crossings from 11 a.m. to 4 p.m. and the westerly street crossings from 6 to 9 p.m. City police, City public works, county sheriff, and MnDOT will have patrols and staff available to assist with traffic control operations. Motorists are advised to use caution while driving in these areas.

*DM&E's schedule is weather dependent. If weather conditions cancel their work, they will reschedule their work to Friday, May 22nd beginning at 8 a.m.*
 
You can change your subscriptions, password or e-mail address , or unsubscribe at any time on your Subscriber Preferences Page [ https://service.govdelivery.com/service/user.html?code=MNOLMST ] using you e-mail address to log in.

For questions or problems with this subscription service, e-mail support@govdelivery.com.
 
This service is provided to you at no charge by Olmsted County [ http://www.co.olmsted.mn.us ].
 
GovDelivery, Inc. sending on behalf of Olmsted County . Government Center . 151 4th Street SE . Rochester MN 55904 . 1-800-439-1420

Tell Your Buyers About Their FHA Options

by Dan Groteboer
Tell Your Buyers About Their FHA Options 
By Deborah Ball, RE/MAX Times Online Associate Editor

Low home prices. Historic interest rates. Tax credits. Stimulus packages. Bailouts. There's a lot of chatter about how these factors affect the real estate market, but not enough talk about a no-brainer financing option, according to one RE/MAX veteran.

FHA financing seems to be a neglected talking point on the national media stage, says Fred Doleac, Broker/Owner of RE/MAX Country Properties in Amherst, N.H.

Doleac wonders why more industry leaders and real estate agents aren't taking the opportunity to explain the attainability of FHA loans. The loans, which require only a 3.5 percent downpayment and a decent (but not necessarily excellent) credit score, are ideal for qualified, first-time homebuyers who have low or manageable debt-to-income ratios but may not have tons of cash for a conventional-loan down payment.

"All you hear in the news are naysayers telling consumers they won't be approved for a mortgage unless they put 20 percent down and have perfect credit," Doleac says. "But that's simply not true. Unfortunately, the popular perception is that money isn't available and you can't get it right now if you don't meet these astronomical requirements. That's why so many people aren't budging right now."

That's where you, the real estate expert, come in, Doleac says. Real estate agents need to talk about FHA financing every chance they get with prospects, other colleagues and in the local media. Doleac recently appeared on American Public Radio's Marketplace Money program to spread the word, and is frequently featured as a real estate news source in a local paper. His efforts have paid off.

"The buying side is where you'll make your money in the next three years," Doleac says. "First-time buyers are out there, and when they start buying, more move-up buyers can get to their next home. The problem is, though, that most agents don't have sufficient lead generation to find these buyers."

Doleac shares these tips for agents interested in spreading the word about FHA financing:

1. First, educate yourself. Meet with a lender who has a delegated FHA underwriter (not a mortgage broker; a full-service lender). Ask the lender to give you a working knowledge of FHA loans, highlighting the key points you'll need to present to buyers.

2. After getting the facts, include the message in your marketing. Send out blast e-mails, post it on your Web site, put it in flyers or mention it during pop bys. Position FHA financing as a benefit for everyone you come in contact with. Make it part of your everyday real estate dialogue. You have to talk about it.

3. Key talking points for FHA loans:

  • The borrower must meet standard FHA credit qualifications (there's no set credit score barometer, but a borrower's debt-to-income ratio is heavily considered).
  • The borrower is able to finance the upfront mortgage insurance premium into the loan. The borrower will be responsible for paying an annual premium.
  • The FHA mortgage requires a low 3.5-percent down payment, and that money can come from a variety of sources, including parent gifts and HUD downpayment assistance grants.
  • Closing costs are also low - typically 3 percent of the total purchase price - and are usually covered by the seller in today's market. They can also be incorporated into monthly payments.
  • Eligible properties are one-to-four unit structures, and each state has a purchase price limit (as high as $400,000) for FHA loans.
  • If a buyer finds a fixer-upper, the FHA 203(k) program can help the person purchase or refinance the property, with the cost of repairs and improvements included in the loan.
  • FHA home mortgages aren't just for first-time homebuyers. FHA refinance loans can help people get out of toxic debt situations caused by subprime mortgages with high interest rates.

4. Have trouble finding those buyer leads? Ask the human resource departments of local companies if you can host a free, brown-bag lunch seminar for first-time homebuyers (in addition to investors and retirees to cover all employee demographics). Focus on FHA financing, but don't forget to mention the $8,000 tax credit and low interest rates too.

5. Once you find first-time buyer clients, sit them down with a lender who specializes in FHA loans to get them pre-approved for FHA financing. They may qualify for a smaller property, like a condo or townhome. Make sure the property (be it a house or a condo located in a covenant-protected community) is FHA friendly; some properties are not eligible for purchase with an FHA loan.

6. Disclose everything and make sure to establish trust and credibility as your buyers go through the FHA financing process. Explain all their options and be realistic with them if their expectations aren't in line with what they qualify for.

Comment on this story
E-mail your comments to editor@remax.net. Please include your full name, RE/MAX office, city and state or province. Comments, slightly edited for length, flow and punctuation, will appear below.

Comments (1)
Why would you not want to talk to a mortgage broker? I am a mortgage broker who owns two RE/MAX franchises. I have been doing FHA loans for 15 years. I think I have a little bit of knowledge about the product.   

1. A mortgage broker who is HUD-approved is treated like a lender and their sponsors have FHA underwriters on staff.

2. What makes you think brokers are not full service? I can't begin to tell you how many deals I saved that loan officers at banks screwed up.  

3. Underwriters do not take loan applications. They do not structure the loan. The loan officers do (with my company or with a bank). Underwriters ensure they have the documentation to sell the loan to an investor.

4. I deal on the wholesale side with FHA lenders and get better rates than the retail side. Yes, banks are paid a yield spread; it is just built into the rate. Plus, they do not have to disclose it on the HUD, so you never know how much spread the bank is making. You do with brokers, as it is disclosed on the GFE and the HUD.

5. I am not saying banks or their affiliates do not do a good job.( Every few years they try to take over the real estate broker business.)  

I agree that FHA is a great product. However, it is the people you deal with who will provide the service, be it a broker or a bank. Most RE/MAX agents know this. However, get all the facts about FHA-approved brokers. Remember, Mr. Doleac, if it were not for our brand, your sign would be reading Fred's Real Estate Co.
-
Kim Schieldknecht, RE/MAX Elite and The Clermont Financial Group, Cincinnati, Ohio

 

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