If you haven't told someone you love them today......

If you can see this message, STOP & LISTEN!

Everyone has something to contribute to this world. We all have a purpose. Never take life for granted! We only get one shot at life, so make this life count! It’s never too late to make a difference in the lives of others. If you haven’t told someone you love them lately, tell them now!

God Bless us all!

Pre-approved Buyers: Disaster-Proof Your Deal!

A constriction in mortgage product offerings and the ongoing effects of the credit crunch have radically changed the real estate market.

It's not all gloom and doom.  There is still plenty of money available to creditworthy borrowers.  But lender guidelines have tightened significantly, and the days of easy credit with no down payment and no documentation are all but over.

With this in mind, it's more important than ever for homebuyers to get pre-approved – not "pre-qualified" – in order to avoid the kind of painful last minute surprises that can lead to deals falling through.

With actual written documentation that proves the full support of a lender, pre-approved borrowers represent less risk to sellers.  Of course, there is no way to guarantee a flawless transaction every time.  But, by working together to bring pre-approved borrowers to the marketplace, we can preempt the major challenges and create a great experience for everyone involved.

If you have any questions about this or any stage of the mortgage process, please don't hesitate to call.  I am well versed in the home loan process but would rather let the "pros" handle any specific questions you may have.  I have several licensed experienced home loan consultants who are reliable, effecient and responsive to the specific needs of my clients that I use consistantly.

FYI - Mortgage Interest Rates for Fixed Rate Mortgages*


Rates as of Friday, 21st January, 2011:

"While my business is good and growing steadily, it is important for you to know that I am never too busy to help those you refer to me: your family, friends, neighbors, and coworkers."

Chuck Norris says, "Get approved!"

Ozzie Marten (a.k.a. OSH)

OSHTunes track of the day! (Jay-Zs PSA Remix to Beatles LLL)

Public Service Announcement (Danger Mouse Remix) by oshtunes

Inspirational Quotes from facebook friends...

There comes a time in life, when you walk away from all the drama and people who create it. You surround yourself with people who make you laugh, forget the bad, and focus on the good. So, love the people who treat you right. Pray for the ones who don't. Life is too short to be anything but happy. Falling down is part of LIFE...Getting back up is LIVING ♥


-- Dominique Pinho DiSanto

OSHTunes track of the day! (The Beatles – Eleanor Rigby Remix)

I'm a huge Beatles fan and if you are too then check out this awesome remix of the classic song, "Eleanor Rigby"

The Beatles-Eleanor Rigby (4centers Remixx)Wav Download in song Description by Love and Light