Showing posts with label fha. Show all posts
Showing posts with label fha. Show all posts

Tuesday, October 1, 2013

All the Single Ladies...

All the single ladies have out ranked the men in home buying. Going all the way back to the 90's the ratio of single ladies to single men buying home has remained constant even though the recession. The demographics show that single ladies are second, married couples are still ranked #1.  
  1. More women are single- Between younger generations putting education and career ahead of marriage and a increasing divorce rate, there are more single ladies in the market. They seem to understand the benefit of buying vs. renting. Younger men don't start thinking about real estate until they start settling down, leaving the door open for single ladies who are interested now. 
  2. Equal Credit Opportunity Act of 1974- this made credit available to anyone regardless of sex or marital status. Builders are now including single women in their marketing strategy, where in past years families were their target. 
  3. Money Talks- without money, you can't buy a home. More women are graduating college and holding more of the white collar jobs then men are. Women's salaries have increased with their increase in education, jobs, and finances.Making it easier for them to purchase a home. 
  4. Its all about the kids- It's not unusual for the kids to live with mom, which is one of the main reasons to buy a home.
  5. Biology- Females in most species are the ones that build the homes. If you are a single lady or a married one, they make most of the decisions when it comes to the home. They have proven to be more financially savvy then men. 

For ladies that are interested in home buying, like many you may have a mix of eagerness and hesitation, 
so ask yourself a few questions?
  • Will i be able to afford the mortgage and other costs on my own?
    • Be realistic, what can you afford? Buying a home means big money. 
    • Purchase Price + closing costs + homeowners insurance + property taxes plus maintenance and upkeep=$$
      1. Review your budget
      2. Research Monthly Costs (& hidden costs as well)
      3. Consult a Mortgage Lender 
      4. Consider a loan from family
  • What kind of space will fit me and my lifestyle?
    • It's about what you like, what is important in your life?
  • Will I feel safe?
    • Investigate the area, not just once, but various different times of day & night. 
    • Contact local police department for neighborhood crime statistics
    • Review the safety of the property you want. Is there a garage, security system, solid doors & locks?
      • Can you improve or add what is not provided
  • What if I have to move?
    • Buy a home with a resale value
    • Be aware of Mortgage Prepayment penalties
  • How do I begin? 
    • Get informed. Educate yourself 
      • talk to others have already gone through the process as a single lady
      • Attend courses for First Time Home Buyers
      • Visit open houses in your area to get an idea of price range
      • Assemble a team of professionals to help, interview to find the right ones!
So ladies keep this in mind when house shopping...Plan, Research, and finally BUY.
For all your mortgage needs, Contact Suzanne Morton

Tuesday, August 13, 2013

Home Inspections Save you Money $


A home inspection is a limited non-invasive objective examination of the conditions of the visible accessible components of a home. It is the best way for a buyer to learn about the conditions of the property they are investing in. Meeting the expectation of home buyers required a unique combination of skill sets- construction, engineering, and architecture. In the 1970’s The American Society of Home Inspectors (ASHI) formed, combined all the required skills and established the Standards of Practice and Code of Ethics. These were standards and guidelines that gave comfort to buyers about the investment they were making.
It is not mandatory to have a property inspected prior to purchase, yet buying a home for some is the single largest investment they will ever make so why would you not want to know exactly what you are investing in? If you were buying a car or investing in the stock market you would research, so why would you want to risk an investment that will house the most precious gift life gives, your family?
A home inspector is not an appraiser, their job is to check the structure and the major systems of the home for wear and tear as what as what could be a future problem and provide a buyer with a better understanding of physical condition. The major systems include the heating system, central air conditioning system, interior plumbing and electrical systems, the roof, attic, and visible insulation, walls, ceilings, floors, windows, and doors. This also includes the foundation, basement, and visible structure. Following the inspection, inspector will supply a written report that describes the conditions of the home at the time of inspection, but gives no guarantee of future conditions, efficiency or life expectancy of systems. So what is involved with a home 
Inspection Checklist
Exterior:
ü  Structural inspection for rotten wood, termites, broken bricks, possible location for water seepage
ü  Gutters are installed properly with no rust or corrosion, leading water away from structure not towards home where water damage could occur or mold
ü  Paint looks good, no chipping or flaking
ü  Windows and doors show no signs of leak or deterioration, open and shut with ease, no gaps or other signs of foundation movement
ü  Foundation has no cracks or weakened areas, treat from near- by tree roots
ü  Agriculture causes no potential problems for safety, healthy vegetation

ü  Decks and paths have no rotten wood, loose railings, or wobbly bricks
Interior:
ü  Flooring- stains, slopping, sagging, or broken tiles
ü  Walls have no cracks, loose plaster, bowing, or signs of water damage
ü  Ceiling have no sagging, stains, or other signs of leaky roof
ü  Doors and windows are in good working condition, tight seal when closed, no cracks or damage to frames or trim
Roof:
ü  Roof for broken or missing shingles, bubbles in tarpaper, loose or curling shingles, and holes where water could get in
ü  No bowing in walls or roof, both should have straight lines
Plumbing:
ü  Plumbing has no leaky fixtures, free of cracks, caulk is
solid, staining or rotting on/under the countertops, good water pressure
Electrical:
ü  Electrical system are all outlets are working, no water damage
ü  Electrical boxes appear to be installed per building code
ü  Wiring is current and up to date, no exposed wires
HVAC:
ü  Check age and working conditions of the heating and cooling system
ü  Ensure that the cooling/heating system is large enough for the floor space
ü  Filters are clean
Appliances:
ü  Appliances are in good working condition, no repairs needed
ü  Hot water heater and plumbing, no visible signs of rust, corrosion or leak
The most common sited issue within a home inspection is improper installation of everything from gutters to outlets, from insulation to bathroom tiles. All items that will cost the new homeowner money to repair or replace, unexpectedly if no inspection is done.
Homes built in 1900-1950:
Knob and tube wiring consists of fuses and fuse boxes and is considered outdated and inadequate to cover today’s load
Homes built 1942-1958:
Orangeberg Sewer piping was a sewer line made out of papier mache that connected the house to the main sewer line. This piping was used as necessity during WWII, the military was using all of the iron for war efforts. If it still functions…expect replacement soon.
Homes built in 1984-1990:
Defective ABS piping made out of recycle plastic was produced by 5 manufacturers. The pipe had a tendency of cracking within the glue joints. Extremely costly to replace
Homes built in 1990-2000:
A NOX rod consolidated furnace has heat exchangers that will crack and release carbon monoxide into the home and potentially cause fires. Used widely during these years and is on a recall list. A home inspection will detect this type of furnace.
Homes built in 2004-2005:
Chinese drywall- contains corrosive sulfur compound and is detectable by the strong sulfur (rotten egg) odor. As a result of active hurricane season construction materials were in short supply, so builder began importing materials from other countries, including the hazardous “Chinese Drywall”. Amazingly the hazardous drywall wasn’t even from China.  The most infamous exporter of the harmful drywall was a company called Knauf out of Germany.  Knauf acquired the raw materials from a gypsum mine sited in China.  Even though we haven’t been able to trace the precise cause of the contamination in the gypsum, it is believed that poor pollution controls in China allowed the raw gypsum to be contaminated within the mine.  Since then, millions of sheets of this hazardous drywall have been imported and installed into homes and business across America. (it has been found in homes as early as 2001 and as late as 2009) The cost of remediation can be astronomical- include the complete replacement of the following:  all drywall, all electrical wiring, the air conditioning system, all metal plumbing components, all appliances with major metallic components, all carpeting, all wall insulation, all wood flooring, all wood baseboards or crown molding and all metallic bathroom fixtures or components.

An inspector should also look in the attic; in the garage; and under the house, if possible.
If your home has a swimming pool ask the inspector ahead of time if he inspects the pool -- some inspectors do and some do not.
The better the checklist the better the home inspection.

Tuesday, August 6, 2013

Just the facts, ma'am



We want to know the facts.
Want to know what ingredients are that being used in the food we eat; "google it".
Want to know if the chemical being used in your home is safe for your family, animals, and environment: google it.
When you are making a purchase as important and expensive as buying a home of course you want to know the facts and some of the answers you will not on the internet. Who better to ask then those who know first hand, the sellers.

Here are some questions that will help lead you to make the best decision for your investment:
  • How long has the property been on the market?
  • How much did seller pay for the home?
  • How did the seller come up with the asking price? 
    • How flexible is the price?
  • How much does the seller still owe on the home?
  • What is the property worth in the current market?
  • How many offers have been received? 
  • What is included? 
    • real vs. personal property

  • Why is the seller moving? 
  • What is the neighborhood like? 
    • neighbors?
    • schools?
    • noise?
    • crime? 
    • HOA?
    • any foreclosures in the neighborhood? 
  • The history of the home? 
    • average cost of the utilities? 
    • has the property ever been rented? 
    • repairs done? 
    • repairs needed? 
    • preventative maintenance? 
    • remodels?
    • flood zone?
    • haunted? 
    • any problems? 
      • roof? how old is it?  
      • foundation? Any cracks or areas of concern?
      • electrical?
      • plumbing?
      • termites? 
  • What do you like/ dislike about the property? area? neighborhood? 
Do research...
What is close by? shopping? Parks? major roads? public transportation? Any foreclosures in the neighborhood? 

Stay tuned for the next blog on home inspections! 



Tuesday, June 4, 2013

Buying a new home? Refinancing? Now is the Time!


Are you thinking about refinancing your home? Contemplating buying a home? 
If you answered yes either of those questions there are a few tips that will help you in the process...
1. Procrastination NOT allowed
If you haven't recently refinanced your mortgage there is a big chance that you are paying a higher interest rate then you should. Now is the time to take advantage of the current record low mortgage rates. The rates will gradually grow as the year progresses. Don't miss the opportunity to utilize the lowest mortgage rates in history.

2. Hurry Buyers Hurry!

Rates are low. Homes prices are on the rise. Now is the time! If you qualify for a mortgage, TAKE ADVANTAGE! Get pre-approved, don't miss out on the home of your dreams.

3. FHA vs. Conventional

The FHA's 3.5% down is very enticing for a buyer, but don't forget about the fees that are added to your loan (increase expected this summer). A Conventional loan is 5% down given your credit history. If you are able to afford the higher down payment, get quotes from both and compare to see what works best for you.

4. Good Credit, Good idea

2013 will bring new rules and guidelines, but the standards will not change. IF a new mortgage is a goal, then you must consider your credit to be the most valuable asset in obtaining that mortgage. A credit score of 720, no problem; at 680 you will still be able to get a good deal, but the approval process may be a bit more difficult. Tip: check your credit, if you are using more then 30% of your available credit you may be hurting your score. 

5. Pay off early? 

Every though about refinancing from a 30 year to a 15-20 year mortgage? Can you afford a slightly higher monthly payment? 
6. Underwater?
Like many Americans you may owe more than your home is worth, but have had no luck with refinancing in the past? There is a program that may be able to help. The Home Affordable Refinance Program (HARP) was altered to help the homeowners to refinance no matter how underwater they were on their mortgage. There were recent revisions to the program that will help borrowers overcome obstacles they have run into in the past. Don't let a lenders' No, be the end.                                                                                     

7. Communicate, your Lender knows

There are new programs available for those who grapple to keep up to date with their mortgage payments. Lender are willing to work through delinquent loans and assist the homeowner in the best way possible. They can help modify the loan  or even short sale the home if the homeowner cannot afford to stay in it. The only way to find a solution is to communicate through what will be a maddening process. 
8. Compare & Shop
Comparison shopping is for more then groceries and car insurance, but what lender can help you get the best mortgage possible. To make a fair comparison get 3 quotes from different lenders, quotes including closing costs. Start with referrals from friends and relatives, even someone you worked with on a previous home. Read online reviews from others borrowers they have worked with in the past, favor a good reputation. 

9.  You're APPROVED, don't mess it up now!

It is not uncommon that a lender order a second credit report just prior to the closing dates. Knowing this you don't want to open a new bank account or make any changes to existing accounts or credit cards. These actions are a capable of hurting your score and causing a last minute denial of your mortgage loan. 

10. It's only just begun
Your application is in, rate is locked, and yet the fun has just begun. It is important to submit any and all requests from your loan officer in a timely manner to avoid any delay ion closing or worse,risk losing your locked rate. Follow up with your lender at least once a week to ensure there are no snags in the process.

Friday, May 24, 2013

NAR Member Profile Report

I found this very interesting.  The biggest issue for REALTORS is the difficulties encountered in getting financing for their clients.  The bulk of my new business comes from clients that came to me because their REALTOR sent them to an "in-house" mortgage person or a "to big to fail bank" that couldn't get them approved due to a lack of knowledge or lack of motivation on the lenders part.




Saturday, March 30, 2013

10 Things That SQUASH Your Mortgage Application

10 things that could SQUASH your ability to get a mortgage...

  1. Bouncing from job to job
  2. You're a deadbeat paying child support or alimony
  3. You continue to apply for credit
  4. Closing a credit account
  5. Borrowing money for the down payment
  6. If buying a condo, current condo owners are in arrears on their association dues
  7. Small loan amount
  8. Outstanding collections
  9. Too many hits on your credit score
  10. Double "apping"
Confusing?  Contact us today...


Sunday, December 2, 2012

The Mortgage Firm

The Mortgage Firm

Headquartered in Orlando, Florida, The Mortgage Firm has been providing quality real estate financing since 1995. With a proven track record, we serve the lending needs of real estate professionals, builders and individual homebuyers throughout Florida and Georgia.

Our qualified and licensed professionals offer expertise in every area of mortgage lending: Conventional, FHA, VA and USDA.

We have access to a full range of mortgage sources and all of our lending specialists are dedicated to find the right loan with the best rate, terms and cost to meet your unique needs. But that?s just the beginning. Throughout the lending process, our talented staff will provide regular updates and progress reports so you know exactly where you stand, in person or online.

Now more than ever, experienced people and solid financial resources are two of the most important qualities to look for in a lender. With 15 years of success, The Mortgage Firm is a bonded, insured and licensed loan originator that offers both. We are committed to responsible lending and are well capitalized for the regulatory and industry changes to come.


Welcome to The Mortgage Firm

Here at The Mortgage Firm, we take great pride in the ability to offer the most complete selection of financial options available. We are a full service mortgage banker with an experienced, knowledgeable staff who will work closely with you offering you both guidance and support in recommending mortgage solutions that meet your financial situation.

Our company began with the belief that taking care of our customers would be our #1 priority! We have built a strong foundation because of our clients.

Tuesday, October 23, 2012

Amy Needs Help




Find out how Suzanne Morton of The Mortgage Firm in Delray Beach, Florida can help you too!  Call me at 561-865-5475 or email me at:  DelrayBeachMortgages@gmail.com or yourbestmortgagechoice@gmail.com.

Sunday, May 13, 2012

Thinking Of Buying A Foreclosure In South Florida?



South Florida leads the nation is distressed home mortgages.  In Palm Beach, Broward and Miami-Dade Counties 25% of mortgages are at least 90 days overdue or in foreclosure, this information according to data released May 9th from Foreclosure-Response.org.

Because of this glut of foreclosed homes, some analysts’ worry that banked owned homes could flood the market, and drive the prices of homes down even further.  But many others expect values to remain stable because willing buyers are enticed by low prices and historically low rates.

So if you are in the market to buy a new home, the timing could not be better. Low rates, buyers market, and an expert to guide you with all of your mortgage needs.

I have been in the mortgage business for nearly 30 years and have seen everything that the mortgage market can deliver.

Friday, May 11, 2012

Conforming Mortgages Rates Continue To Drop


Nationally, the 30 year fixed mortgage rate fell to a new all time low for the second consecutive week. The average 30-year fixed mortgage rate dropped 1 base point down to 3.83% for those willing to pay .7 discount points plus the full set of closing costs, this according to Freddie Mac’s weekly mortgage rate survey.

Not only did the 30-year fixed mortgage set a record but so did the 15 year fixed rate mortgage, dropping down to 3.05% along with the .7 discount plus closing cost.

This is a great time to refinance or purchase a home due to the fact you can get such a great deal on borrowed money.

I have nearly 30 years experience in the mortgage business and has seen the ups and downs and been able to help people realize their dreams of homeownership.

Visit my Facebook page at facebook.com/themortgagefirm



Friday, March 9, 2012

Housing Relief Plans For FHA Borrowers and Servicemembers

The Obama administration has announced two new steps that will be taken to assist FHA borrowers and servicemembers in a statement released this week.

The administration estimates that 2-3 million FHA borrowers will be eligible.  Plans for FHA borrowers include refinancing at a lower cost and a reduction in the insurance premium.  The FHA currently charges an up-front mortgage insurance premium of 1 percent of the loan balance and an additional 1.15 percent of the balance per year; the up-front premium will be reduced to .01 percent for loans originated prior to June 1, 2009.  Annual fees for refinancing will be reduced to .55 percent.

One provision will have servicemen who were foreclosed upon since 2006 reviewed, and if any are found to have been wrongfully foreclosed upon, they can receive compensation equal to a minimum of lost equity, plus interest.  In addition to foreclosure reviews, service members will be reviewed for interest rates to see if any were charged more than 6 percent after a request to lower the rate.

For veterans, $10 million will go into the Veterans Affairs fund to guarantee loans on favorable terms.

Wednesday, March 7, 2012

Mortgage Fraud Resources For Florida

The list of resources below has been compiled for anyone that suspects that they may be a victim of any type of fraud or scam. The list was originally designed as a resource to report mortgage fraud, predatory lending scams and identity theft in Florida but may also serve those who are victims of many types of fraud in Florida. Other types of fraud may include:


  • Internet Scams
  • Phishing/Email Scams
  • Credit Card Fraud
  • Investment Scams
  • Financial - Debt Elimination
  • Business/MLM Scams
  • Etc.
FBI Field Offices, Mortgage Fraud
White Collar Crime Supervisor
http://jacksonville.fbi.gov/
7820 Arlington Expressway, Suite 200
Jacksonville, FL 32211-7499
Phone: (904) 721-1211

White Collar Crime Supervisor
http://miami.fbi.gov/
16320 NW 2nd Avenue
North Miami Beach, FL 33169-6508
Phone: (305) 944-9101

White Collar Crime Supervisor
http://tampa.fbi.gov/
500 Zack Street, Room 610, FOB
Tampa, FL 33602-3917
Phone: (813) 273-4566

Florida Attorney General - Consumer Protection
http://myfloridalegal.com/consumer
The Capitol PL-01
Tallahassee, FL 32399-1050
Phone: (850) 414-3300

HUD Field Office
Jacksonville Field Office
Charles E. Bennett Federal Building
400 W. Bay Street, Suite 1015
Jacksonville, FL 32202
Phone: (904) 232-2627
Fax: (904) 232-3759

Miami Field Office
909 SE First Avenue
Miami, FL 33131
Phone: (305) 536-4456
Fax: (305) 536-5765

Orlando Field Office
3751 Maguire Boulevard, Room 270
Orlando, FL 32803-3032
Phone: (407) 648-6441
Fax: (407) 648-6310

Tampa Field Office
500 Zack Street, Suite 402
Tampa, FL 33602
Phone: (813) 228-2026
Fax: (813) 228-2431

HUD Regional Office
Atlanta Regional Office
40 Marietta Street
Five Points Plaza
Atlanta, GA 30303-2806
Phone: (404) 331-4111
Fax: (404) 730-2392

Florida Department of Banking and Finance
Division of Financial Investigations

http://www.flofr.com/
101 East Gaines Street, Suite 516
Tallahassee, FL 32399-0350
Toll Free: (800) 848-3792 (Florida only)
Phone: (850) 410-9275
Fax: (850) 410-9628

Nationally Chartered Credit Unions
Region III – Atlanta
http://www.ncua.gov/AboutNcua/org/Region3.htm
7000 Central Parkway, Suite 1600
Atlanta, GA 30328
Phone: (678) 443-3000
Fax: (678) 443-3020

State-Chartered Credit Unions
Florida Division of Banking
101 East Gaines Street, Ste. 636
Tallahassee, FL 32399-0350
Phone: (850) 410-9111
Fax: (850) 410-9548

Savings & Loan Association or Savings Bank
Office of Thrift Supervision
http://www.ots.treas.gov/resultsort.cfm?catNumber=88&dl=17&edit=1
E-mail: consumer.complaint@ots.treas.gov
Southeast Region - Atlanta
1475 Peachtree Street, N.E.
Atlanta, Georgia 30309
Phone: (404) 888-0771
Complaints: (800) 842-6929

National Fair Housing Alliance
To locate your local office:
http://www.nationalfairhousing.org/
National Contact: E-mail: nfha@nationalfairhousing.org
1212 New York Avenue, NW Ste 525
Washington, DC 2005
Phone: (202) 898-1661
Fax: (202) 371-9744

Florida Department of Agriculture and Consumer Services
Division of Consumer Services
http://www.800helpfla.com/~cs/complaints.html
2005 Apalachee Parkway
Terry Rhodes Building
Tallahassee, FL 32399-6500
Phone: 1-800-HELP-FLA (435-7352)

Florida Real Estate Commission (FREC) Home Page
DBPR Customer Contact Center
http://www.myfloridalicense.com/dbpr/re/complaint.html
1940 North Monroe Street
Tallahassee, FL 32399-1027
Phone: (850) 487-1395
Fax: (850) 922-4191

Better Business Bureaus
Better Business Bureau of Northeast Florida
http://www.bbbnefla.org
E-mail: info@bbbnefla.org
4417 Beach BV., Suite 202
Jacksonville, FL 32207
Phone: (904) 721-2288
Fax: (904) 721-7373

Better Business Bureau Serving Southeast Florida and the Caribbean
http://www.bbbsoutheastflorida.org
E-mail: info@seflorida.bbb.org
2924 N Australian Ave.
West Palm Beach, FL 33407 –
Phone: (561) 842-1918
Fax: (561) 845-7234

Better Business Bureau of West Florida
http://www.clearwater.bbb.org
E-mail: info@bbbwestflorida.org
PO Box 7950
Clearwater, FL 33758 -7950
Phone: (727) 535-5522
Fax: (727) 539-6301

Better Business Bureau of Northwest Florida
http://www.nwfl.bbb.org
E-mail: info@nwfl.bbb.org
PO Box 1511
Pensacola, FL 32591 -1511
Phone: (850) 429-0002
Fax: (850) 429-0006

Better Business Bureau of Central Florida, Inc.
http://www.orlando.bbb.org
E-mail: info@orlando.bbb.org
151 Wymore Road, Ste. 100
Altamonte Springs, FL 32714 -
Phone: (407) 621-3300
Fax: (407) 786-2625

Tuesday, March 6, 2012

Why Short Sale Over A Foreclosure Defense?

One of the services I offer to homeowners, investors and commercial borrowers is a full review of their current mortgage (sometimes known as an audit), if the mortgage is in foreclosure.  I have had many instances when the borrower has been able to establish a defense or gain leverage to negotiate based on our findings.  To date we have helped borrowers negotiate millions of dollars in reductions.  

However, over time I've also become a big proponent of short sales if they can be successfully closed with a waiver of deficiency.  Statistics show that on average a home sold through a short sale brings a 24 percent greater return to the lender than a foreclosure.  While banks are offering incentives to homeowners and borrowers to short sale, in many cases this 24 percent can be a tool for negotiating more favorable terms for the borrower such as cash for keys or a waiver of deficiency.  

Regardless of the decision you make to short sale the property or establish a foreclosure defense, it is imperative that you have a professional on your side.  I have seen many foreclosure defenses botched by inexperienced attorneys and short sales fall through due to a lack of knowledge on the part of real estate agents and attorneys.  

Due diligence is the key to putting a negative real estate experience behind you.  Should you have any questions or need an introduction to a capable and knowledgeable real estate agent or attorney, please don't hesitate to contact me.


Suzanne Morton is a partner in Compleat Consulting Group, Inc. and is a respected consultant in the mortgage field working with  over 50 law firms as an expert in foreclosure defense and compliance.  Additionally, Suzanne is a Senior Loan Originator with The Mortgage Firm originating residential loans.

Thursday, January 5, 2012

Incorporating Social Media Into Your Marketing Efforts

As we welcome in the new year and resolve to continue our successful growth in the South Florida real estate and mortgage market, we have made focusing on social media marketing a priority at my office.

Participating in social media marketing may seem a little overwhelming at first, but it is really quite simple and most services make it very easy to register and begin your marketing immediately.  I concentrate my social media marketing efforts through a few sites that have proven successful from the beginning, those being my company pages on facebook, google+, foursquare, whocanihire, twitter and my blog.   My recommendation is to start with these sites and expand to others over time.

I have found that the key to marketing through social media has been to position myself as THE reliable source for mortgage information to potential and past clients and to the real estate community.  It is important to be relevant, current and open in your postings and communication.  Many social media experts believe you need to subscribe to the 80/20 rule (80 percent of your updates should provide value for your followers and 20 percent can be self-promotional).  In my opinion, if you are providing value, you are promoting.  Please don't be afraid to promote yourself along with the benefits and services you provide, people expect this.

Already in the new year I have received inquiries from other mortgage and real estate professionals asking my advice and how it is working for me.  If you have not begun social marketing, hopefully you will begin soon.  I believe you will find success and a return in your investment in time in a fairly short time.  I am always available to help and answer any questions you may have.  In future posts, I will expand on my social media marketing efforts along with providing information regarding the mortgage industry.  

I am passionate about the mortgage business and love helping families attain home ownership, but in the interest of full disclosure, my husband is a partner in the company Who Can I Hire, Inc. which is the consulting firm that owns whocanihire.com.

A little about whocanihire.com, this is a website that acts as a hub and directory for small business and services to market using social media.  When a business joins the directory, they set up their profile, contact information, social media links, chamber of commerce links, and gallery page.  Plus, the site contains numerous resources for small businesses of which many are free or little cost.