Chad's Blog

Mortgage and Lending - Value Shield Financial Services



My first year as a mortgage broker was quite an experience from going to beautiful restaurants for lunch with CPAs to meeting with developers to 3 hurricanes within 6 weeks.  What a year! My first year as a mortgage broker was actually my second year in the mortgage industry.  My first year I mad...
The pain at the pump is hurting our bottomline.  As real estate professionals we are always on the road showing a new home or taking a loan application.  Here are some great tips I found on The surest way you can improve your fuel cost problem is to change your motoring habits...
The S&P/Case-Shiller Home Price Indices were released this morning.  I have reviewed the data and the news is not very good.  The U.S. national index was developed to measure the changing price in home values in particular markets across the U.S.  This report is a 3 month average with a 2 month l...
Foreclosures are on the rise and home prices are falling.  Read below to see how you can pay off your home faster than before without a change to spending habits.  This idea is nothing new.  Many people in Europe and Australia have been using this as a way to pay off their home for years now.    ...
I remeber the first time I sat at a closing table to help a client who was referred to me by a friend.  Here is the story...   I became a licensed mortgage broker after processing loans for 10 months.  I passed the exam with flying colors, scored a 96.  I was working with a friend who had been a ...
The following is cut directly from each campaigns website on how each candidate plans on dealing with the housing and mortgage crisis this country currently faces.  I want this blog to be about why we would elect a candidate strictly based on where they stand in helping our industry improve.  Ple...
Many people across the country have seen the finance industry starting to pull back on financing in their area.  Subprime is pretty much gone along with Alt-A financing.  Fannie Mae (FNMA) and Freddie Mac (FHLMMC) are still out there with My Community and Flex 100 which offer 100% financing.  The...
Please read and tell everyone you know!  My wife was helping her sister find a new place to rent and started to search Craigslist.  She found a wonderful 4/2.5 in the Bay Hill subdivision here in Orlando for only $1,000 per month.  She then emailed the person doing the listing and they emailed ba...
Many people have asked me over the years about what college I went to in becoming a mortgage broker or as a wholesale account executive.  My answer is always the same.  I learned on the job as a processor and I made $12,536 in my first year on my W-2 before taxes.  I found it very tough living on...
I started in the mortgage industry in June 2003 working for a CPA who also happened to do loans.  I was a processor and knew absolutely nothing about mortgages or who Fannie was or what an ARM loan was and how it worked.  My very first day my boss came in and told me to put the files in the offic...

Chad Wille

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