Debut Jewelry Trunk Show Invite

Debut Jewelry Trunk Show Invite

Debut Trunk Show in Raleigh NC

Come one, come all.. Join me to celebrate our local Raleigh jewelry artists in there debut trunk show event

When: November 8th
Time: 6-9pm

Where: Shag and Garnish Salon
8377 Creedmoor Road, Raleigh NC 27612.

Bring friends, come shop, laugh, eat and drink. Please pass this along and share with everyone to make this an extraordinary event.

Artists include:
Megan Wakefield ( 32lbs)- Find her on Facebook under 32lbs
Jessie Voci ( J.Star Designs)
Amanda Wren (Wren Designs)

If you know that you are going to come then please send me an email If it is last minute don't think that your not invited :) I hope to see all of you there!

Friday, May 28, 2010

Thought of the day: “A vacation is what you take when you can no longer take what you’ve been taking. ” ― Earl Wilson

Monday, May 24, 2010

10 Ways to Close on Time

First thing to remember is that mortgage professionals want you to close on time. They are on your side, part of your team and have the same goal. It is best to keep this maze in mind as you travel through the process.There is a lot of processes from application to closing. Just remember that all these processes take time. Every day and turn matters. There are right paths to choose.  Here are 10 ways to ensure that you stay on the path to avoid a delay in closing.

10. Appraisal comes in with no issues (low value or requirement of additional documents)- If not, it could cause for some restructuring of the file. Make sure that your lender is aware of any changes to the sales price.

9. Check your email regularly- Most communication and documentation is sent via email. Several days are lost if you are sent documentation and it doesn't get returned immediately. There are several people involved in your file at once so it is easier to tag everyone through email;

8.Know who you are going to use for homeowner's insurance and attorney at the time of application- The amount of taxes and insurance effect your monthly payment. Underwriting cannot clear a file without knowing all the facts. Attorney has to send off for title and that can take at least 5 business days.

7.Think of everything in 3 days-  Underwriting usually has at least 3 days to get back to you with a decision. Every piece of documentation has to get collected and reviewed.

6.Get approval conditions back- Just know that your files will have to pass back through the underwriter's hands after approval. Be sure that those approval items are back in the processor's hands in a timely manner. Most of the time final conditions are submitted all at one time. There shouldn't be a delay in time if you get them all in at once.  

5. Don't deposit money- Most of the time one of the last items needed is bank statements. This could be because a new one has come out before closing or we are in need of verification of earnest money. If there are any large deposits on the new statements then they will have to be verified too. This is why it is best to not deposit money.

4. Don't pack up all your documentation- Have your most recent statements, tax returns and everything in a folder. Don't lose this folder in the mix of all those moving boxes. I have heard way too many times that documentation has been packed away.

3. Don't make any last minute changes- loan amount, down payment etc.. This will only require the file to have to be reviewed again by underwriting. This opens the door for additional documentation to be requested.

2. Don't slack on initial documentation. -Follow the loan officer's instructions and make sure that all the document is correctly submitted the first time. If you need a reminder of things to be mindful before submission then flip back to my article on February 20th- Looking towards Homebuying (

1. Don't kill the messenger- Don't get frustrated- Know that everyone has done everything possible to ensure that this closing is happens on time.  If you have followed my post on February 20th, the loan officer, processor and these 10 items then you have the best chance of closing on time.


Wednesday, May 19, 2010

Tax Credit isn't Over Yet

Reminding all buyers, sellers and agents... There is one more piece of the Homeownership and Business Assistance Act of 2009. The tax credit isn't completely finished as it has been extended to some military members. Eligible members include military and federal employee members of the uniformed services, foreign service members and employees of the intelligence community. If you qualify and and are purchasing a primary residence then you will have an extra year to take advantage. Theses members had to have served duty outside the US for at least 90 days during the period of Dec 31, 2008 and ending before May 1, 2010. This only requires one spouse  in a household to have been serving during this period.

If you qualify or know of anyone that qualifies then pass the word. They have to go under contract by April 30, 2011 and close by June 30,2011.

Call your lender or visit the IRS website for more details.

Saturday, May 15, 2010

Mortgage Manifesto: Time out to laugh

Mortgage Manifesto: Time out to laugh

Wednesday, May 12, 2010

Time out to laugh

I have decided to take one of those breaks like I described in my profile to share a funny innovative marketing approach..The Swagger Wagon. I know this blog is usually all about mortgage information but I thought everyone needed a laugh. I needed to take a small break for a shout out to Toyota. If you haven't seen this video then you must.  The marketing team gets an applause for this ad. I mean and on top of that there has been 1.2 million to view it and I am chatting about it.

Tuesday, May 11, 2010

Reticular Activator

Are you thinking to yourself what is Reticular Activator?  RA is the part of the brain that is constantly on watch for familiar, unusual, threating or problematic items. When it notices one of these it sends a signal to your brain to wake up. It keeps you in alert mode.

My son's name is Zane. When I named him this I didn't know anybody named Zane. Now I know everyone's cousin and neighbors that have this same name. When people hear that name their brain notices that it is usual and reminds them of the other people named Zane.

If you have decided to buy a house then it is curently happening to you. The homebuying process is an usual item to your brain. This means that your brain is in alert mode. You are going to hear it talked about by everyone and all of those people have different opinions. When you engage in these conversations then please think of me, your mortgage lender and real estate agent. These are the people that you have choosen to guide you down this path.  They are the professional of this matter and know your big financial picture. Treat this process as a learning experience and ask questions.

Happy Homebuying!!

Monday, May 10, 2010

Tribute to Mothers

Habits need to be learned early was something my mother always said growing up. It was in regards to anything as early as potty training to homework to college. I didn’t believe her and got into some of my own habits only to circle back and realize once again.. Mother’s know best!

I truly believe that most children don’t talk finances with their parents. They believe that MONEY and SEX fall into the same category. It is the category that parents don’t know or wouldn’t understand. If you are reading this as an adult that is getting ready to buy their first house then your parents probably helped you get this far. In fact they have been with you for most of the big milestones. Why wouldn’t you go talk to them about this next big move in your life? As a mortgage lender please remember to get into good habits of spending by knowing how much you can really afford. Listen to people, get advice, and most of all sit down with your mother. The good, the bad and the ugly just follows you down the road so get into good spending habits early.

Happy Mother’s Day!!