Blog For Minnesota Home Owners

2011-11-30T20:40:00.001-06:00

NOT SO FAST---YESTERDAY'S GOOD NEWS DIDN'T LAST LONG! http://ping.fm/aQPXy

2011-11-29T21:50:00.001-06:00

Barney Frank Is Moving Out! | EXCELLENT NEWS!!! http://ping.fm/2tsGx

2011-11-21T16:20:00.001-06:00

Know Before You Owe > Consumer Financial Protection Bureau http://ping.fm/PTfEh

2011-11-21T11:45:00.001-06:00

Mortgage News | Daily National and State Headlines http://ping.fm/Z4SAm

2011-11-21T11:42:00.001-06:00

Flawed real estate appraisals create problems for buyers, sellers, refinancers - The Washington Post http://ping.fm/5LkP0

2011-11-18T16:36:00.001-06:00

Congress Passes Short-Term Funding Extension http://ping.fm/ihvWn

2011-11-17T12:15:00.001-06:00

Potential Home Buyers Getting Kicked To The Curb! | The TBWS Daily Show http://ping.fm/gKWwu

2011-11-11T13:27:00.003-06:00

Fannie And Freddie Pressured For Principal Reductions! http://ping.fm/7ptwY

2011-11-11T13:27:00.001-06:00

Fannie And Freddie Pressured For Principal Reductions! http://ping.fm/svPfn

2011-10-26T14:48:00.001-05:00

******A Government Program That Might Actually Work?**** http://ping.fm/LYSRV

2011-10-24T16:47:00.001-05:00

The FDIC Shell Game | The TBWS Daily Show http://ping.fm/2TSHQ

2011-10-22T05:47:00.001-05:00

WOW--Shocking Truth Behind BofA’s Trillion Dollar Derivatives Move! | The TBWS Daily Show http://ping.fm/5dBgJ

2011-10-20T11:52:00.001-05:00

Some more interesting indutry ideas from The Daily Show http://ping.fm/YGxuw

2011-10-20T11:45:00.001-05:00

New Bill Could Improve Millions Of FICO Scores! | The TBWS Daily Show http://ping.fm/SlDzc

2011-10-12T09:30:00.001-05:00

Gingrich: Get Rid of Bernanke and Geithner and Put Dodd in Jail | Mortgage News | Daily National and State Headlines http://ping.fm/HRpm3

2011-09-30T22:35:00.001-05:00

What is the Answer -- Low Rates ? http://ping.fm/CQrQU

2011-09-26T06:37:00.001-05:00

USDA Rural Development http://ping.fm/JbuVA

2011-09-07T16:09:00.001-05:00

Government to Sue Bank of America? Didn't they Bail Them Out? Hmmmm... http://ping.fm/Krhot

2011-07-30T20:19:00.001-05:00

Will Mortgage Interest Deduction Be Sacrificed to Avoid Default? http://ping.fm/XFIhB

2011-07-30T20:04:00.001-05:00

Woman Unexpectedly Gives Birth--WHAT-UNBELIEVABLE ?! http://ping.fm/AMCkT

2011-07-25T14:36:00.001-05:00

‪The Google+ project: Explore Circles‬‏ - The NEXT Facebook ? http://ping.fm/KkI5E

2011-07-25T12:35:00.001-05:00

Dodd-Frank One Year Later: Slow Progress: SHOULD ANYONE BE SURPRISED ? http://ping.fm/cIyaI

2011-07-25T09:28:00.001-05:00

Mortgage Interest Deduction on the Chopping Block! http://ping.fm/iNh6R

2011-07-21T09:29:00.001-05:00

Say Hello to Our New and Already Misguided CFPB | More CRAZINESS for the Industry! http://ping.fm/ncqXI

2011-07-19T10:52:00.001-05:00

Disappearing Car Door--THIS IS PRETTY COOL ! http://ping.fm/CchAe

2011-07-18T15:40:00.001-05:00

Finnish kid follows penalty kick with a back Flip-CRAZY! http://ping.fm/hbPQv

2011-07-14T14:41:00.001-05:00

new-free-credit-score-what-you-need-to-know-! http://ping.fm/4xL0O

2011-07-14T09:26:00.001-05:00

MOA Field Inflation Time-Lapse--CHECK THIS OUT! http://ping.fm/GsuZX

2011-07-13T08:34:00.001-05:00

HR-344 The Latest Brilliant Idea from Congress -NOT A GOOD IDEA !!!! http://ping.fm/FbbKW

2011-07-11T17:02:00.001-05:00

Take a Year Off From Paying Your Mortgage... ????? http://ping.fm/Gpm8G

2011-07-08T12:59:00.001-05:00

US Treasury Blowing More Modification Smoke Up Our Skirts... | The TBWS Daily Show http://ping.fm/7BiuR

2011-06-30T06:53:00.001-05:00

Is Your House Keeping You Unemployed? http://ping.fm/MuE5m

Check out this great MSN video: Is Your House Keeping You Unemployed?

2011-06-30T06:51:00.000-05:00

Interesting take--Is your House Keeping you Unemployed ?

2011-06-29T09:42:00.001-05:00

Freddie Mac: Better Days Ahead in Housing !! http://ping.fm/FvgOo

2011-06-27T10:54:00.001-05:00

Welcome Aboard the Foreclosure Express | Startling #'s http://ping.fm/4tGNX

Pretty COMMON SENSE ...WATCH THIS 4 MIN VIDEO

2011-06-23T10:18:00.000-05:00

We all know there has been many attempts at trying to 'fix' the mortgage crisis ---Here is som common sense solutions that COULD be implimented now without BAILOUTS, ect.

I welcome any and all calls on questions comments and points of view.

Steven@sjdmortgages.com 651-208-4168

Current FHA 30 year is 4.4% --SIMPLY UNBELIEVABLE!

JP Morgan Chase, Sub Prime Mortgages and Brokers

2011-06-14T15:12:00.000-05:00

How about this DENIAL..........!!!

Freddie and Fannie--Can we Actually Get Rid of Them?

2011-06-09T09:00:00.000-05:00

Homeowner Foreclosures on Bank of America (Yes, You Heard That Right) - Yahoo! News

2011-06-07T11:12:00.000-05:00

THIS SEEMS LIKE SOME SORT OF JUSTICE.....?

Don't Sell; Engage!

2011-06-07T10:37:00.000-05:00

GREAT SALES / ATTITUDE TIPS !!

FHA wanting to RAISE DOWN PAYMENT !!!

2011-05-24T10:46:00.000-05:00

The TBWS Daily Show

YouTube - URGENT CALL TO ACTION

2011-05-20T11:39:00.000-05:00

It just keeps getting better..?!!!?!?!

The TBWS Daily Show--HVCC

2011-05-16T08:37:00.000-05:00

Watch this --- why are folks bringing up the 'problems' with this NOW --2 YEARS LATER............and now they probably can't do anything about it anymore??

Any questions or comments please call.

I still specialize in Rural Development which is a Zero Down program available in most counties in MN and WI. And now it do HomePath Financing--3% down with NO APPRAISAL REQUIRED AND NO MORTGAGE INSURANCE!!

Steven DeMorett
SJD Mortgage Services
651-208-41689

Helpful Hint

2011-05-15T10:13:00.000-05:00

Niche Report Saturday Strategy | Great weekly tips from the Niche Report

MN #2 Healthiest R.E. Market ---REALLY ?

2011-04-21T11:28:00.002-05:00

This shows you how contradictory articles and media in general can be...........

OK THEN WE WILL TAKE ALL THE POSITIVE PUBLICITY WE CAN GET---HAVE A GREAT EASTER WEEKEND !

Webinar about The Fed Rule put on by The Fed

2011-03-11T14:54:00.001-06:00

There have been many webinars on this INDUSTRY CHANGING rule. Let's hear it straight from the fed!

NAMB - NAMB Call to Action Sparks Congressional Exam of LO Compensation Rules

2011-02-10T12:40:00.000-06:00

NAMB - NAMB Call to Action Sparks Congressional Exam of LO Compensation Rules

Great argument for H.R. 600

2010-08-13T20:13:00.000-05:00

Seller financed down payment assistance programs( DAP's ) aren't any worse than the govt crap coming out!

Call Steven DeMorett for further explanation and discussion: 651-208-4168

HAVE A GREAT WEEKEND!

FHA set to increase fees paid by new borrowers

2010-08-06T12:32:00.000-05:00

Here is the actual article on FHA mortgage insurance.

I will keep you updated as I hear what goes into effect.

Automatically Update All Your Social Networks

2010-08-05T20:29:00.000-05:00

Maxine Waters Under Fire - 08.03.10 | Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

2010-08-03T17:04:00.000-05:00

How interesting and common is this with elected officials?

H.R. 600: FHA Seller-Financed Downpayment Reform Act of 2009 (GovTrack.us)

2010-07-29T13:55:00.000-05:00

Reinstating Seller Paid Down Payment Assistance - 07.29.10 | Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

2010-07-29T13:49:00.000-05:00

Interesting how abandoned program 'may' sneak back into the real estate game ?
Good points of view on this video.

Compensation, Compensation, Compensation. - 07.26.10 | Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

2010-07-26T15:06:00.000-05:00

This is today's society. Watch this and get a good laugh!

RATES ARE STILL AWESOME--4.25% for FHA purchase!

FHA changes are in the 'comment period'.

2010-07-19T18:32:00.000-05:00

Good information on the whole 'financial reform'!

Great Info on R.E. Market !

2010-07-15T13:22:00.000-05:00

Well, listen to this--Make Your Own Decision

2010-07-12T08:28:00.000-05:00

Well, listen to this and take your own conclusion from it.

MORTGAGE RATES ARE EXTREMELY LOW: 4.375% for either Conv. or FHA Financing

2010-07-02T13:22:00.002-05:00

Rates are at again, an all time LOW!

Please call Steven at 651-208-4168 to discuss both purchase and refinance options!

HAVE A GREAT 4TH OF JULY WEEKEND!

RATES ARE INCREDIBLY LOW !!!

2010-06-28T17:48:00.002-05:00

HVCC Here to Stay! - Financial Reform is not in my favor

2010-06-28T17:48:00.000-05:00

RATES ARE GREAT!!!

HUD-To End Homelessness.......What

2010-06-23T05:31:00.000-05:00

The TRUTH About In-House Lending. - 06.09.10 | Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

2010-06-09T13:51:00.000-05:00

Realtor Commissions Under Attack? - 06.01.10 | Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

2010-06-01T17:07:00.000-05:00

Borrowers CAN NOT USE CREDIT doing the entire loan process!!!

2010-05-28T12:35:00.000-05:00

Red Flags Compliance Broker Tool Kit

2010-05-26T11:59:00.000-05:00

Red Flag Rules are written procedures for mortgage brokers to have in place to 'compy' with more the the consumer protection laws. Attached is a brief run down and a contact for anyone whom would like guidance.

THANK YOU

Retail Banker LO's Income Under Fire - 05.24.10 | Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

2010-05-24T16:56:00.000-05:00

Lots of good information. USDA Rural Development needs a "push" to extend funding.

Any questions/comments please call Steven 651-208-4168

Foreclosues periods are extending

2010-05-17T17:24:00.000-05:00

http://4mnhomebuyers.blogspot.com/2010/05/foreclosues-periods-are-extending.html

Foreclosues periods are extending

2010-05-17T17:23:00.000-05:00

Foreclosures timelines are extending and people are "staying without paying" longer now than ever.

Push to get rid of HVCC

2010-04-15T16:42:00.000-05:00

Subprime Lending Hearing

2010-04-07T13:31:00.000-05:00

Great analagy for ALL Real Estate Professionals

2010-03-27T12:11:00.003-05:00

Octo Mom going into foreclosure !

2010-03-23T18:02:00.000-05:00

Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

New Short Sale Program

2010-03-10T10:00:00.000-06:00

This government program, if implimented correctly, COULD/SHOULD help short sales and thus, the industry in general. Stay tuned.

Failed H.A.R.P. program extended and Ben Bernanke

2010-03-03T16:34:00.000-06:00

Watch this video and you will draw some conclusions on why we are in the mess we are in..........................?

Any comments: Steven DeMorett 651-208-4168

Real Estate Industry News

2010-03-01T09:42:00.000-06:00

Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

IMPORTANT FHA NOTES FOR INDUSTRY

2010-02-24T23:25:00.000-06:00

Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

Google Teams w/ Mortgage Search Tool

2010-02-23T12:48:00.000-06:00

Google Teams with Tech Firms for Online Mortgage Search Tool

Important Information on YSP

2010-02-22T12:12:00.000-06:00

Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

Forget the Fed. Watch China instead

2010-02-12T15:00:00.001-06:00

Forget the Fed. Watch China instead

Posted using ShareThis

Click on the right Banner to take THE S.A.F.E. ACT Test (practice)

2010-02-12T12:52:00.000-06:00

Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

2010-02-12T12:50:00.000-06:00

Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

Ex-BofA chief Lewis charged with fraud

2010-02-10T13:03:00.001-06:00

Ex-BofA chief Lewis charged with fraud

Posted using ShareThis

HVCC comment and New Website for Mortgage Professionals

2010-02-03T12:55:00.001-06:00

Watch video and go to the link they have under links & Docs for website NAIHP which will have other discussions and videos to follow on ALL THE MORTGAGE ISSUES facing todays Market!

Good information and a little overhelming but VERY TIMELY! Let me know your reactions/thoughts. Steven DeMorett 651-208-4168 steven@sjdmortgages.com.

Obama's budget: Impact on your taxes

2010-02-02T14:16:00.001-06:00

Obama's budget: Impact on your taxes

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First Time Home Buyers

2010-01-29T14:07:00.002-06:00

I am getting the mortgage paperwork ready for some first-time homebuyers that are coming into the office Saturday - Customer Convenience is the name of the game !

To receive the first-time home buyers credit, buyers have to have the purchase agreement signed by April 30, 2010 and the transaction needs to close by June 30,2010 ---THE RUSH IS ON -- 3 MONTHS IS NOT THAT FAR DOWN THE ROAD !!!

Stocks rally fizzles out

2010-01-29T13:42:00.001-06:00

Stocks rally fizzles out

Posted using ShareThis

Real Estate Regulation Now Leading to "Misdirected"Money-Making

2010-01-28T11:57:00.003-06:00

Anyone in the Real Estate Industry should know what AMC's are. Now this Appraisal Management Companies are trying to take over lending?? Obserd.

Contact me with your view: Steven DeMorett 651-208-4168

AddThis - The #1 Bookmarking & Sharing Service

2010-01-28T11:55:00.000-06:00

AddThis - The #1 Bookmarking & Sharing Service

The Niche Report - Lead Generation – Fuel for Your Business by Bliss Sawyer

2010-01-27T10:24:00.000-06:00

The Niche Report - Lead Generation – Fuel for Your Business by Bliss Sawyer

New and improved mortgage forms

2010-01-25T14:02:00.001-06:00

New and improved mortgage forms

Posted using ShareThis

FHA Breaking News :: HOUSING: FHA Loosens Loan Modification Rules

2010-01-25T13:59:00.000-06:00

FHA Breaking News :: HOUSING: FHA Loosens Loan Modification Rules

LACK OF ENFORCEMENT IS THE REAL CAUSE

2010-01-15T12:17:00.004-06:00

We are told and shown again and again that the lack of enforcement is the real cause of the "mess" we are in and throwing more regulations which end up ultimately costing the customer more is really not the answer!

Mortgage Industry Update

2010-01-06T17:20:00.003-06:00

Attached is a video on "Red Lining" and REO property advise for realtors.

THANK YOU

FHA Loan Requirements About to Get Stricter -- baltimoresun.com

2009-12-22T14:11:00.001-06:00

FHA Loan Requirements About to Get Stricter -- baltimoresun.com

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TBWS - Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

2009-12-16T18:27:00.001-06:00

TBWS - Video Marketing and Mortgage News Designed for Mortgage and Real Estate Sales

Click on this link to see the MBS video.

Man of the Year 2009

2009-12-16T17:30:00.000-06:00

Why TIME Chose Ben Bernanke

FED: Rates to Stay Low !!

2009-12-16T15:33:00.000-06:00

The federal reserve met today and choose to keep the Fed Funds rate at or near zero .......at least for the the near future.

My blog yesterday was supposed to say "Rates Stay Low Until 2011, not 2001" typo.

Rates may stay low until 2001 ??

2009-12-15T20:02:00.001-06:00

Rates may stay low until 2001 ??

2009-12-15T20:01:00.001-06:00

The Mortgage Lender Implode-O-Meter News Pick-ups: Obama’s Foreclosure Program Run by Morons… and Trial Modifications are the Biggest Loan Mod Scam Ever

2009-12-07T13:23:00.000-06:00

The Mortgage Lender Implode-O-Meter News Pick-ups: Obama’s Foreclosure Program Run by Morons… and Trial Modifications are the Biggest Loan Mod Scam Ever