The Zen of Ten. 2010 & The Path of Financial Righteousness.

By
Services for Real Estate Pros with Auto & Home & Life Insurance throughout North Carolina

As typical, let's start with a song.  (Is it me or is that Brad Andersohn?)

Predictions aren't my forte.  Then again, neither is driving distances over twenty miles, yet I have to do that a few times a year as well.  And each new year brings new ideas, opportunities, hopes, dreams, and more sales for folks producing Calenders.

This past year may go down as one of the most difficult for the Real Industry.  2009 is not alone, though.  It was preceded by 2008.  2007 came before that.  So the story goes...

And while we can all learn from the past, live in the present, the future beckons.  So, therein lies my predictions on what's around the proverbial corner: 

  • Credit Requirements loosen up.  Scores aren't deemed as important as the credit history and circumstances behind such matters.  The human element is re-introduced, which leaves Stephen Hawking running wind sprints against the hands of Father Time.
  • Upfront Mortgage Brokers/Bankers aren't a sales pitch, but a reality.  Personally, I never understood why the concept was so narrowly defined that it became the sales pitch that it now is.  Who are they comparing themselves to, the "Back End Bend You Over" Brokers/Bankers?  When a home, anyone's home, is on the line, "Upfront" should be the norm ... not the catchphrase of the day.
  • Credit education begins to be taught at a young age, let's say well before eighteen.  When you start driving a vehicle whose weight measures in tons, your knowledge of how to gain financing for said vehicle weighs even more.  Creditors make money off of ignorance.  I don't mind anyone making money.  I just mind anyone being ignorant.
  • Your house is your home.  It's not an ATM Machine.  Enough written.  Now go and put up those Christmas lights.
  • Regulations on the Mortgage Industry continue to do everything but collect dust.  They are implemented!  And then one day, some smart chap in Eastern Pennsylvania proposes that they remain consistent across the board.  Federally Chartered Banks have to follow the same rules as Joe & Chico's Mortgage Outlet on the Eastside.  If you want competition, provide an even playing field ... you'll get it in droves.
  • Jason Sardi never touches a drop of alchohol again.  Okay, that one is a joke.  But, it could save yours truly some money if implemented.  Busch Pounders aren't as cheap as they used to be;)
  • Pre-Approvals will not replace Charmin for wiping the vertical smile below the small of your back.  Along with a full application, all supporting documentation will be collected and reviewed before addressing the streets with one's ability to purchase a home. 
  • The HVCC gets axed, like any form of lumber in front of a pissed off Paul Bunyan.  Appraisers, Realtors, Loan Officers, & Borrowers all rejoice.  Finally, someone who knows the area is giving their educated opinion on the market value of the home.  In what becomes known as true poetic irony, Mario Cuomo gets kicked out of office and becomes an appraiser.
  • Interest Rates remain stable and relatively low.  House prices do the same.  What becomes of this is a flurry of late-night Real Estate "Get Rich" schemes that take in as much money as it would take to bail out our collective debt-load.  Carlton Sheets appears on Larry King and is interviewed by Donald Trump ... who is chastised openly by some Asian Man with a Rich Dad & a Poor Dad.
  • Finally, Active Rain stabalizes as the leading source of online Real Estate News & Commentary.  Despite vicious rumors of Bob Stewart's eyes being a remote version of the Anti-Christ, the Real Estate Community continues to be enamored by the possibilities exposed in reaching folks through Social Media, Interaction, & a simple Search Engine Search.  The Members educate and the forum stimulates ... Blanton even gets a commercial spot for Viagra.

So it is written, so it shall (My God only hopes) be done.  As far as me in 2010, I have a prediction ... a song, if you will...

Good Night.

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Topic:
ActiveRain Community
Location:
Pennsylvania Lehigh County
Groups:
Mortgages
New Jersey & Pennsylvania -- Realtors/Loan Officers/Title Clerks/Real Estate Lawyers
No Writer's Block Allowed!
POSITIVE ATTITUDE for the Weary Soul
Realtors®
Tags:
real estate in 2010
mario cuomo
hvcc
interest rates
credit scores

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Ambassador
1,657,181
Margaret Rome, Baltimore Maryland
Sell Your Home With Margaret Rome
Broker/ Owner HomeRome Realty-Author "Real Estate the Rome Way" 410-530-2400

Jason, Congratulations on the winning post! Here's to an awesome 2010. You will make the best happen!

December 12, 2009 07:39 PM
Ambassador
1,264,857
William Johnson
San Diego Real Estate Voice, GRI CRS e-Pro CDPE
RE/MAX Associates

 Hello Jason, It has been a while.  Congratlations on this great piece of wishful thinking work , LMAO. Actually other than item 6, wouldn't we all love these to be our future. #4 will have to be adjusted to say Holiday LED's to be politically correct.☺

               ❃     ✱     ❋    ✺    ✼    ❄     ❇    ✱     ❄    ✹  my idea of trying to add some snow flakes here.☺

December 12, 2009 07:47 PM
Rainmaker
848,613
Lottie Kendall
Serving San Mateo County and San Francisco
Today | Sotheby's International Realty

Thanks for a great read. Love your predictions--and your style. Congrats on the win--easy to see why.

December 12, 2009 07:49 PM
Ambassador
657,799
Sheldon Neal
That British Agent Bergen County NJ
Bergen County, NJ - RE/MAX Real Estate Limited

Congrats on the win and a great post brutha ! ...and yes, that guy DOES remind me of Brad Andersohn !!!! LOLOL

December 12, 2009 08:32 PM
Rainer
73,912
Sarah Eubanks
Preferred Oregon Loan Consultant & Notary Public
Hill Valley Financial Services
Jason...I agree with you on your post. I also am happy to agree with Sally that this was a good one. Hope that you (and my long lost friend) ae both well! :o)
December 12, 2009 08:41 PM
Rainmaker
261,430
Wayne B. Pruner
Tigard Oregon Homes for Sale, Realtor, GRI
Oregon First

Congratulations on winning Jason. My kids all got an education, from me, on using credit responsibly before they were 18.

December 12, 2009 08:55 PM
Rainer
9,178
Melissa Hughes
Ponderosa & Sun Realty

Great notion for people to quit using their homes as ATM machines!  Best of luck, though, cutting back on alcohol, in THIS industry, in THIS market :) Cheers to the many opportunities 2010 brings!

December 12, 2009 09:21 PM
Anonymous #67
Anonymous
Anonymous

Jason,

Good post; well thought out. Check out joining my group "Voice of Reason". There's some great people there.

December 13, 2009 01:19 AM
Rainmaker
156,508
Wendy Rich-Soto Team At Keller Williams Realty, LA Harbor
"Because IT IS all about YOU!"
Keller Williams Realty, LA Harbor

Great post!  I like what your hopes are for our future...let's see what happens.  :-)

December 13, 2009 01:26 AM
Rainmaker
1,370,046
Rebecca Gaujot, Realtor®
Lewisburg WV Real Estate, Greenbrier County
Coldwell Banker Stuart & Watts Real Estate

Jason, excellent predictions and post. Congratulations on being one of the winners.

December 13, 2009 05:21 AM
Rainmaker
401,965
Claudette Millette
Buyer, Broker - Metrowest Mass
The Buyers' Counsel

Jason:

This is so rich - I had to read it several times. There are some terrific predictions here and I would love to see some of them come true, particularly credit loosening up. 

Wonderful job on this and I, also, love that John Lennon song.

 

 

December 13, 2009 07:44 AM
Rainmaker
182,148
Janet Guilbault
San Francisco Bay Area Direct Mortgage Lender
RPM Mortgage, Alamo Home Office
I cannot believe I missed this when it was featured. I love it to pieces and no wonder you won this contest.
December 13, 2009 09:54 AM
Rainer
39,844
Chris Walters
Edisto Realty Edisto Beach,SC DiscoverEdisto.com

COngratulations on winning.  Thumbs up on your first prediction on credit requirements.  I hope you are right.

December 13, 2009 11:01 AM
Ambassador
497,668
Mirela Monte
Myrtle Beach Real Estat
Buyers' Choice Realty

Jason:  I love your sense of humor!

Congratulations on the star and the win!

Much deserved.

 

December 13, 2009 01:57 PM
Ambassador
506,547
Jason Sardi
Your Agent for Life
Auto & Home & Life Insurance throughout North Carolina

Mirela - Welcome to the club.  I love my sense of humor as well, even though I don't always deserve such sanity.  It is what keeps me sane...

And thank you!!!

Chris - You and me both.

Janet - I think you beat me.  And that's the last time you'll ever do such.  Well, until my official meeting with the parole board...

Claudette - Thank you.  It takes some poverty to become so rich;)

Rebecca - I'm in good company, for sure. 

Wendy - Cliches abound me... Time is the only Teller.

Terry - I'd be happy to join, though it would be an oxymoron in some points of view.  Sounds like a decent cause...

Melissa - Color me whisky ... in any market;)

Sarah - Miss Monroe is only a phone call away...

Sheldon - Thank somebody's God that you got that one...

Lottie - That's sweet and I hope, true.  Thank you for that. 

William - Is that your camera or does your lens have it out for me? 

Margarate - Back at ya, my dear.  Your support means more than just a training bra.

Debe - That Title was amazing; I'm not sure how to appropriately recognize Carol's wit with that one.  And as far as Jennifer, plan on visiting Raleigh.

Donna - Couldn't be much worse than 2009...

Christine - The HVCC holds a special place in my heart... right underneath my left breast... which is sandwiched between a mole and a lackluster pimple.  Pecs give me heartache....

Lyn - On my own is as much Eric Carmen as I want to be.

 

 

 

December 15, 2009 10:10 PM
Ambassador
405,056
Jo-Anne Smith, Sales Representative
Oakville, Burlington and Mississauga Region Real E

LoL, Jason...no one can make predictions like you. Thanks for the morning chuckles.

Jo

December 18, 2009 10:48 AM
Rainmaker
171,907
June Lewis
Realtor Northwood Realty - New Castle,Pa Lawrence Co 7247304571
Northwood Realty Services

Hi Jason  Wow what a wonder....your post...and well deserving of the feature.

I have a prediction of my own....no more watching football....I have been on my last nerve this season and tonight....unbelievable.  Love my Steelers ...my nerves do not

December 20, 2009 06:36 PM
Ambassador
506,547
Jason Sardi
Your Agent for Life
Auto & Home & Life Insurance throughout North Carolina

Jo-Anne - I certainly have fun with them, that's for sure.  Thanks:)

June - What a season it has been... I couldn't of predicted this.  Despite it all, I still believe they are one of the best in the NFL.  But hey, if we don't make the playoffs, we tend to be stellar at picking up top notch talent in the draft.

December 22, 2009 10:32 AM
Ambassador
657,799
Sheldon Neal
That British Agent Bergen County NJ
Bergen County, NJ - RE/MAX Real Estate Limited

Well now ! The All-Knowing-Oz-Sardi has spoken ! ...and may all your predictions come true... especially the endorsement for Blanton !

... how about that last second TD from Big Ben !!! Holy Moly that was unbelievable !!!!!!

Cheers Mate ! All the best to you and the luvly Jen for the rest of the Holidays !

December 22, 2009 11:10 AM
Ambassador
506,547
Jason Sardi
Your Agent for Life
Auto & Home & Life Insurance throughout North Carolina

Sheldon - Thanks Sheldon.  I totally missed the Steeler game as I didn't think it was on television, when in fact, it was.  Bummer, but it probably saved me from having an early coronary.  I don't care how the season plays out; I still believe they are one of the NFL's best teams.  Cheers, my good friend. 

December 22, 2009 11:36 AM
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Jason Sardi

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