Oops!  They did it again.  The new documentation requirements for 2010 mortgage disclosure packages are even more confusing to borrowers than ever before.  In an attempt to put more transparency in the mortgage industry the government has, yet again, made things more complex.  Loan disclosure pac...
Sometimets its better to keep things small.  Handle it yourself, and things go smoothly.  Start hiring people and a lot more stress can follow.  I know this because this is the second time I have found myself in this position.  Lots of opportunities for work, plenty of work to currently keep me b...
Things have really changed in the last couple of years in the mortgage market.  Let's be honest, they have dramatically changed in the last 90 days.  Two years ago the majority of my pipeline was alway refi's.  Hey, it was a HUGE refi boom.  If I did 20 deals in a month, 16 were refi's, 3 were pu...
In 2008 the biggest think I have learned in the mortgage industry is that it is absolutely essential that you stay up to date on changes within your own industry.  It amazes me the people within any industry that have no idea of how things change and when.  My thinking is if you stick your head i...
I love, love, love being self employed.  One of the biggest perks is being able to write off as much as possible through my business.  Between my husband and I we own four businesses.  Lets face it we write off a ton of expenses.  Its great! Professionally however I am aware of the dangers inhere...
As a mortgage professional I believe the most serious transactions I deal with are owner occupied purchase transactions.  Not that every deal isn't important, and serious, but these transactions, in particular need to be handled with care.  I do everything I can to prioritize these transactions, ...
When you were a child I'm sure your mother said to you all the time "Don't count your chickens before they hatch".  I bet you never thought she was teaching you about business at the time! It seems like in this industry no one can help "counting their chickens".  All the time I hear realtors and ...
Watching an 8 month old all day is better than going to any seminar to motivate you to be a better salesperson.  Here's what I've learned from watching my son play and learn: 1. learning things takes time 2. figure things out one step at a time, don't try to do it all at once, take each part one ...
Yesterday there was a post on here by the user maitski about excuses realtors make to avoid being the best they can be.  It had a list of "if only's" and it reminded me of a sermon I heard in church about "the myth of all set".  The myth of all set goes like this (and I am making this up as I go ...
During the course of processing a mortgage I typically end up communicating quite a bit with the borrowers.  Frequently I find myself in the position of walking on that ever important line with the borrower between professional and friend.  I am kind to borrowers, I try to take the time with them...

Colleen Couture

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