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!

Saturday, June 26, 2010

Taga Bike Takes Traveling to a New Level

Thursday, June 24, 2010

Adjusting to the New Reality

What is the common denominator between a root canal, colonoscopy, giving blood and obtaining a mortgage? If you are buying a house, then the answer is you. I read an article as I was finishing my morning coffee that reminded me exactly what I was trying to avoid by writing the Mortgage Manifesto. (

There is an industry joke that getting a mortgage is like having a root canal. It isn’t a joke but a way to describe the reality of the situation to borrower. The article by Bill Briggs actually commented this….

Even for successful buyers with sterling credit, seeking a mortgage these days feels like a simultaneous root canal and colonoscopy.”

I will not give away the article or point out my previous articles. I just suggest that you revisit previous articles to avoid as many sticky messes as possible. There was a lot of truth in this article; however I did have one objection. It was the comment on lenders being part of the whining during the process because they don’t have underwriting experience. The article didn’t mention that all the guideline changes have tied up the underwriters with extra processes and paperwork needed for a single loan. The truthful part is it has become more difficult for the loan officer to go to bat for buyers when underwriters see no grey area and buyers resist sending the proper documentation. Industry changes have made the stress seem like it out weighs the reward of helping a new homebuyer get into a house. All of the guideline changes, endless documentation and running around in circles ends up making everyone irritated. The lender/loan officer just happens to be in the way of the fire.

Another article on wrote that “1200 prison inmates, including 241 serving life sentences, defrauded the government of $9.1 million in tax credits reserved for first time homebuyers.” This type of fraud and lack of crosschecking is the very reason it has become so difficult to obtain a mortgage. You have to prove everything which means document, document, document. These rules apply to everyone no matter the size of the home, credit score, size of down payment or homebuyer status. The industry has been burned and we all have to suffer together. If you are in the middle of obtaining a mortgage then remember to bring your positive attitude because there is a big prize at the end of your journey.

When you come to the end of your rope, tie and knot and hang on”- Franklin D Roosevelt

The artist is nothing without the gift but the gift is nothing without the work”- Emile Zola

If you change the way you look at things, the things you look at change”- Dr. Wayne Dyer

Tuesday, June 22, 2010

Ingenious Green Scarf Phenomean

Friday, June 18, 2010

Is it Natural Progression or Patience

Tuesday, June 15, 2010

Mogo :: Blog – Stop The Pain of Overspending » Blog Archive » 10 Ways To Tweet Towards Savings!

Share our secrets with all your friends. Pass this around, Share, Tweet, shout it out... Mogo :: Blog – Stop The Pain of Overspending » Blog Archive » 10 Ways To Tweet Towards Savings!

Wednesday, June 2, 2010

New Fannie Mae Requirements

As of June 1, 2010 Fannie Mae will require a 2nd credit report pulled on the actual day of closing prior to funding. This pull is to verify that the borrower's current obligations haven't changed. It was found that most foreclosures that resulted in the first 24 months was due to incurring new debt for the new homes. This is inevitably going to delay some closings. I encourage all buyers and sellers to keep their schedules open 3 days around the actual closing date. I cannot stress the importance of resisting temptation to buy anything for your home before funding.

If the credit scores drop more than 2% then it will have to go back to underwriting. If it drops below the allowed credit score then it will disqualify you form buying the house. Any new credit inquiries will have to be documented by writing letters. Simply applying for a credit card and not using it will force underwriting to add 5% of the high credit limit to the bottom line even if the card isn't active. If your debt to income ratio was tight then you could be turned down!