loan officers: TBWS Daily - 9/9/2011 - 09/10/11 04:52 PM
Yesterday the Think Big Work Small Guys were talking about customers doing their due diligence and giving loan officers the information needed in order to get an accurate rate quote on a loan. Don't complain about not being able to get a quote if you don't, or refuse to give the loan officers what they need.  The government should get rid of online Auto Quote Sites, they are not accurate and cause confussion. 
Thin Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; … (2 comments)

loan officers: TBWS Daily - 9/7/2011 - 09/07/11 08:54 AM
Good Morning…Here is today’s  report from the Think Big Work Small Guys.  Today the boys are having a discussion on HUD giving the state Attorney Generals information on Robo Signers, and some reasons why they may have done this.  They also discuss Loan Officers not giving loan quotes to people looking to finance, and how to deal with this situation.
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family’s sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high … (0 comments)

loan officers: TBWS Daily - 7/15/2011 - 07/17/11 11:53 AM
Today the Think Big Work Small guys discuss a statement from Sandy Braunstein to the Feds concerning compensation and bonuses to loan officers.  The statement is ambiguous and open to interpretation.  A bill being put forth my congressman Gary Miller could help with competition in loan prices and help stabilize the housing market.  Both the statement by Sandy Braunstein and this proposed bill could neutralize the destructiveness of the Frank - Dodd Bill.
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a … (0 comments)

loan officers: TBWS Daily - 6/29/2011 - 06/30/11 09:25 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today the boys have guest host doing the commentaries. They are focused on Loan Officers Hack Attacks and Fraud Alters, and how they are stalling our recovery.  They also show a short video from Peter Shift vindicating their predictions. 
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a Great Day
(2 comments)

loan officers: TBWS Daily 6/23/2011 - 06/24/11 03:06 PM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  This is the second part of the boys "Ways to Fix Things".  These are easy fixes that will put some sanity back into the Housing Market. Underwriters need to be licensed and tracked, with accountable standard, there needs to be Short Refinancing - not modification, Get rid of the new Loan Officers Compensation Rule, and we need to get rid of HVCC.  The guys explain each of these fixes.    
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of … (0 comments)

loan officers: TBWS Daily Market Report - 4/6/11 - Update - 04/06/11 11:08 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  This is updating the decision to lift the stay on the Fed Rule concerning Loan Officer Compensation.  The boys are on a rant as to fixing Stupid and whether customers should be told how loan officers are paid. 
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a Great Day
(0 comments)

loan officers: TBWS Daily Market Report - 4/6/11 - 04/06/11 10:53 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Their conversation today is on the Stay being lifted from the Fed Rule Concerning Loan Office Companesation. 
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
 Have a Great Day
(0 comments)

loan officers: 4/4/11 TBWS Daily - 04/04/11 06:37 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today the boys go over Loan Officer Compensation Update, and Fannie Mae's misrepresentation.
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a great day
(0 comments)

loan officers: Dail TBWS Market Report - 3/31/11 - 04/01/11 01:12 PM
 Good Afternoon...Here is today's market update from the Think Big Work Small Guys.  
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast and are high energy.
Have a Great Day
(0 comments)

loan officers: Daily TBWS Market Report - 2/10/11 - 02/10/11 06:56 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.   The main topics today are:  Federal Regulators said Chinese Drywall, which was installed in several states, still has problems; it can make you sick butit does not kill people.  Loan Officer Compensation for Mortgage Brokers and Wholesalers will become a guaranteed income.  Loan officers will no longer be allowed to contribute money out of their own pockets; the new rate sheet will have two columns for fees, one for consumer paying and one for banks paying. 
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's … (0 comments)

loan officers: Daily TBWS Market Report - 2/8/11 - 02/08/11 07:04 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys. Today the boys hit several issues:  Fannie and Freddie are going to charge more for loans with Risk Bases Pricing being put into place, making them have a Financial Interest in the terms and conditions of the loan - which is what the Fed Rule is preventing Loan Originators from doing (double standard anyone).  Customers need to have a 740, or higher, credit score and put 25% down or they fall into this category.  Bank Of America not going to do Reverse Mortgages any longer.  HUS says "Worse Case … (1 comments)

loan officers: Daily TBWS Market Report - 2/7/11 - 02/07/11 06:18 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today the boys comment on a few Actions being taken.  The Special Inspector General for the Bailout calling the Mortgage Servicesrecord abismal and Mortgage Modifications a total Failure; NAIHP has a campaign to overturn the Federal Rule - The Board of Governors for the Federal Reserve System (along with others) is spelling out the flaws of the Fed Rule - the NMLS requires all Loan Officers to have a registration number (so they can be tracked) unless you work for a Federal Bank, Trift, Credit Union or due less than 5 loans a year; VA loans … (0 comments)

loan officers: Dail TBWS Market Report - 1/12/11 - 01/13/11 09:07 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today the boys are having a discussion on the home builder Lennar and their earnings increase.  Lennar bought into a portfolio of loans auctioned by the FDIC with a share agreement. Since then Lennars stocks have increased even while new home ownership has fallen.  They also give a list of States having the longest and shortest foreclosure procedure; and they recommend that consumer's looking for mortgage brokers check to make sure the loan officer has a license. 
Video:  Think Big Work Small  
Disclaimer:  If you prefer reading your news … (0 comments)

loan officers: Daily TBWS Market Report - 12/28/10 - 12/28/10 08:04 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Not much going on with the boys today.  They are acting out a skit on a "Dear John Letter" to Re-finance - a hot and heavy love affair in 2010, with Purchase being the better deal in 2011. 
Their Poll question:  Loan officers: What's your purchase to refi ratio right now?
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, don't watch the video; these guys talk fast … (0 comments)

loan officers: TBWS Daily Market Report - 12/22/10 - 12/22/10 10:00 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today is the thrid part in the three part discussion on The Fed Rule and the Loan officers compensation.  The FED rule does not change the flow of compensations, it changes who gets it.  All of this will be up to the interpretation of the bank working the transaction - some banks will have a more conservative approach while liberal banks will see it differently.  The Mortgage Banking Association has asked for clarification, offered more sensible resolutions, and asked for a postponement of implementation.  There may be two … (0 comments)

loan officers: TBWS Daily Market Report - 12/21/10 - 12/22/10 09:46 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today the boys present part two of their three part discussion on The Fed Rule.  They focus on how loan officers can be compensated through SRP. Bonuses:  Long Term performance (body of loans), Volume bonus (# of loans), Geographic (rural areas), Itemized costs (phone-hours uses-networking, and Quality of loans (clean loans).  All of this is depending on the interpretation of each group by the bank. 
I found this very interestin. 
Think Big Work Small
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or … (0 comments)

loan officers: TBWS Daily Market Report - 12/20/10 - 12/20/10 07:50 AM
Good Morning....Here is today's market report from the Think Big Work Small guys. Today the boys are, calmly, starting their 3 day series on the Fed Rule on Lender Compensation.  The discussions centers around the unintended consequences of these new rules (NMLS & SAFE) such as thinning the ranks, and one of the channels (Service Release Program) loan officers may take to increase their compensation. The next two days should be informative.   
Think Big Work Small
Remember, if you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a generation, … (1 comments)

loan officers: Daily TBWS Market Report - 12/15/10 - 12/15/10 06:41 AM
Good Morning....Here is today's market report from the Think Big Work Small guys.  Today's discussions are about:  NMLS going into effect and thinning the ranks - the Florida State Office of Financial Regulations says they have only received approximately 10,800 applications for the 43,000 licensed loan officers, Loan officers ranks have been cut more than half since 2005 and is going to shrink further.  The calculator on Freddie Macs website(helping customers decide whether renting or purchasing is better for them) has been giving incorrect answers, it's fixed now.  Red Flag, by 12/31 companies must have safe guards in writing) in place to safeguard customer information, which has been compromised in the … (0 comments)

loan officers: Daily Market Update - TBWS 12/08/10 - 12/08/10 09:26 AM
Good Morning...Here is today's market update from the Think Big Work Small Guys.  Today the boys have someone standing in for them who touchrs on several topics:  Loan Officer Compensation - Join the fight with NAIHP, FHA vs. Lender Credit Score Requirements - 20 Lenders getting ready to file suits, and Congress acting against Loud Commercials.
Their Poll question:  Do you think the new LO Compensation will be delayed in April 2011?   
Think Big Work Small 
Disclaimer:  If you prefer reading your news over a cup of coffee in a relaxed atmosphere or your family's sense of humor gene skipped a … (1 comments)

 
Lois Davies, Cape Coral & SW Florida (Century 21 Birchwood Realty, Inc.) Rainmaker large

Lois Davies

Cape Coral & SW Florida

Cape Coral, FL

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Century 21 Birchwood Realty, Inc.

Address: Cape Coral, Fl, 33914

Office: (239) 542-0065

Mobile: (239) 357-5558

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A full time agent serving all of Lee County.


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