A Holiday Greeting From
Diversified Mortgage Group…
Twas the week before Christmas
and all through the state,
The houses were selling and rates were still great!
With the Realtor driving and 10 houses to see,
Roaming the streets in search of a “turn key”.
The buyers were nestled all snug in their seats,
After showing 9 houses their agent was beat!
When out of the blue they found one just right,
They settled the contract that very same night.
They called Diversified Mortgage Group to get the job done,
Best rates, and fast service, they’re A number one!
They chose a home loan to best suit their needs,
And then closed their loan just a quick as you please.
The Realtors were happy, another great loan,
The couple ecstatic in their new dream home.
Let Diversified Mortgage Group help your client’s wishes come true,
Seasons Greetings, Happy New Year, from all of us to you!
Marylou Edwards
925-285-5333
Monday, December 21, 2009
Friday, November 20, 2009
Pros and cons of working from home.
I've been working from home for the past 2 years and feel like I've really stagnated. I thought it was going to be so ideal to be home and take care of my family while I'm at it. But it turns out, it's so distracting and loney. The funny thing too is that it seems when family and friends know you work from home, they seem to think it's ok to talk on the phone for a long time.
I also have an excuse to watch my favorite noon time show "Wowowee" since I like to cook at lunch time for dinner.
Then 3pm rolls around and of course the kids start rolling in and turn on the TV full blast. It's so distracting. I finally had a door put in to my Living room/Home office.
Anyway, after all these years at home, I decided I needed a change so I took the plunge. I interviewed with several different companies and I think I found a winner! I wish I knew about this company way back.
I have a feeling they are going to really help me build up my potential to even more than I thought I even had. I think it makes a huge difference where you work and who you work for. What do you think?
I've been working from home for the past 2 years and feel like I've really stagnated. I thought it was going to be so ideal to be home and take care of my family while I'm at it. But it turns out, it's so distracting and loney. The funny thing too is that it seems when family and friends know you work from home, they seem to think it's ok to talk on the phone for a long time.
I also have an excuse to watch my favorite noon time show "Wowowee" since I like to cook at lunch time for dinner.
Then 3pm rolls around and of course the kids start rolling in and turn on the TV full blast. It's so distracting. I finally had a door put in to my Living room/Home office.
Anyway, after all these years at home, I decided I needed a change so I took the plunge. I interviewed with several different companies and I think I found a winner! I wish I knew about this company way back.
I have a feeling they are going to really help me build up my potential to even more than I thought I even had. I think it makes a huge difference where you work and who you work for. What do you think?
Tuesday, November 17, 2009
Joke of the day...
After being laid off from three jobs in the past year, Dewey was hired to work in a warehouse.
Unfortunately, one day he lost control of the forklift and drove it off the loading dock. Surveying the damage, the owner shook his head and said, "I'm sorry, Dewey, but I'm going to have to withhold 10 percent of each of your paychecks until we recover the costs of the damage."
"How much will it cost?" Dewey asked.
"About $5,000," the owner replied.
"Finally!" Dewey exclaimed. "Job security!"
After being laid off from three jobs in the past year, Dewey was hired to work in a warehouse.
Unfortunately, one day he lost control of the forklift and drove it off the loading dock. Surveying the damage, the owner shook his head and said, "I'm sorry, Dewey, but I'm going to have to withhold 10 percent of each of your paychecks until we recover the costs of the damage."
"How much will it cost?" Dewey asked.
"About $5,000," the owner replied.
"Finally!" Dewey exclaimed. "Job security!"
Friday, November 13, 2009
Monday, November 9, 2009
Saturday, November 7, 2009
Tradeasone.com shop to help the poor
Our church is recommending shopping at www.tradeasone.com for our Christmas gifts this year. Check it out for yourself, the short video syas it all. You can buy wonderful gifts made by people in very poor countries and it will help so many people be able to eat, to save, to sow thier profits into more growth, so many. I made a decision to either give what I was planning to give to friends and family to the church or to to items that I may find they can use. How about you? Check it out!!
www.tradeasone.com or www.adventconspiracy.com.
Malou
P.S. Cornerstone fellowship is having a sale on Dec. 5-6 at the church in Livermore, CA
www.tradeasone.com or www.adventconspiracy.com.
Malou
P.S. Cornerstone fellowship is having a sale on Dec. 5-6 at the church in Livermore, CA
Friday, November 6, 2009
Tips on buying a fixer upper home:
1. Ugly duckling in the neighborhood.
2. Neighborhood with good schools.
3. Taxes owed on property.
4. Probate property.
5. Absentee landlord.
6. Of course, foreclosure, BK or short sale.
7. Divorce situation.
8. Great floor plan
9. Roomy master bedroom.
10. Two or more baths, one of which is roomy.
1. Ugly duckling in the neighborhood.
2. Neighborhood with good schools.
3. Taxes owed on property.
4. Probate property.
5. Absentee landlord.
6. Of course, foreclosure, BK or short sale.
7. Divorce situation.
8. Great floor plan
9. Roomy master bedroom.
10. Two or more baths, one of which is roomy.
Thursday, November 5, 2009
If Noynoy wins, will Kris act as first lady?
Marylou Edwards
Mortgage Broker
Cobalt Financial Corp.
Tel: 925-398-0211
Cell: 925-285-5333
Fax: 925-401-1034
www.marylouedwards.org
| November 17,2009 is Bring a friend night at Cornerstone Fellowship In Livermore, CA. You will not regret going! See his video below: Dave Ramsey on How to be Financially Successful Extra content from the documentary "Maxed Out" from radio financial guru Dave Ramsey, a "tough love" guy in the vein of Dr. Phil who teaches in this video how to get out of debt and accumulate wealth-- simply and elegantly. Watch this repeatedly to burn the ideas into your brain. |
Monday, November 2, 2009
Thursday, October 29, 2009
For mortgages, 620 is the new magic number
Gone are the days when you can qualify for a loan with a mid score of 580 or 600, now it is 620. ANd that's for an FHA government loan. If you are trying to do a conventional loan with FNMA or FReddie Mac, you will get hit with a ridiculous amount of fees for having a score less than 740. It is tiered for every 20-40 points, it's different price. So if I were you, the best thing to do is keep your balances down to 35% of your credit limit at any given time and try not to have anymore than 1 inquiry every 14 days. And of course, do not close any accounts and do not open any new accounts. By doing just these things, your scores should be way up in the 700 range as long as you don't have recent derogatory items. If you have any questions, call me at 925-398-0211 or email me at 4marylou@comcast.net. I would love to give you even more tips!
Gone are the days when you can qualify for a loan with a mid score of 580 or 600, now it is 620. ANd that's for an FHA government loan. If you are trying to do a conventional loan with FNMA or FReddie Mac, you will get hit with a ridiculous amount of fees for having a score less than 740. It is tiered for every 20-40 points, it's different price. So if I were you, the best thing to do is keep your balances down to 35% of your credit limit at any given time and try not to have anymore than 1 inquiry every 14 days. And of course, do not close any accounts and do not open any new accounts. By doing just these things, your scores should be way up in the 700 range as long as you don't have recent derogatory items. If you have any questions, call me at 925-398-0211 or email me at 4marylou@comcast.net. I would love to give you even more tips!
Tuesday, October 27, 2009
Thursday, October 22, 2009
Wednesday, October 21, 2009
A Letter from Senator Feinstein to ME!!
Dear Mrs. Edwards:
Thank you for contacting me to express your support for expanding the first-time homebuyer tax credit. I appreciate the time you took to write and welcome the opportunity to respond.
In July 2008, the Housing and Economic Recovery Act of 2008 (Public Law 110-289) provided first-time homebuyers with a tax credit, equivalent to an interest-free loan, worth up to $7,500. The tax credit applied to homes purchased between April 9, 2009 and July 1, 2009. As the housing situation worsened in the fall of 2008, additional action was taken to prevent further declines in home values. Congress included in the American Recovery and Reinvestment Act of 2009 (Public Law 111-5), a more robust first-time homebuyer tax credit. Specifically, the tax credit was increased to $8,000 for homes purchased in 2009 and will not have to be repaid.
I understand your belief that the first-time homebuyer tax credit should be increased and expanded further. As you know, on June 10, 2009, Senator Johnny Isakson (R-GA) introduced the "Home Buyer Tax Credit Act of 2009" (S. 1230), which would increase the credit to up to $15,000, remove income eligibility limits, and expand it to include homebuyers purchasing homes other than their first. S. 1230 has been referred to the Senate Finance Committee, of which I am not a member. Please know that I will keep your support for this legislation in mind should it come before the full Senate.
Once again, thank you for writing. If you have any additional questions or concerns, please do not hesitate to contact my Washington, D.C. office at (202) 224-3841. Best regards.
Sincerely yours,
Dianne Feinstein United States Senator
Further information about my position on issues of concern to California and the Nation are available at my website http://feinstein.senate.gov/public/. You can also receive electronic e-mail updates by subscribing to my e-mail list at http://feinstein.senate.gov/public/index.cfm?FuseAction=ENewsletterSignup.Signup.
Thank you for contacting me to express your support for expanding the first-time homebuyer tax credit. I appreciate the time you took to write and welcome the opportunity to respond.
In July 2008, the Housing and Economic Recovery Act of 2008 (Public Law 110-289) provided first-time homebuyers with a tax credit, equivalent to an interest-free loan, worth up to $7,500. The tax credit applied to homes purchased between April 9, 2009 and July 1, 2009. As the housing situation worsened in the fall of 2008, additional action was taken to prevent further declines in home values. Congress included in the American Recovery and Reinvestment Act of 2009 (Public Law 111-5), a more robust first-time homebuyer tax credit. Specifically, the tax credit was increased to $8,000 for homes purchased in 2009 and will not have to be repaid.
I understand your belief that the first-time homebuyer tax credit should be increased and expanded further. As you know, on June 10, 2009, Senator Johnny Isakson (R-GA) introduced the "Home Buyer Tax Credit Act of 2009" (S. 1230), which would increase the credit to up to $15,000, remove income eligibility limits, and expand it to include homebuyers purchasing homes other than their first. S. 1230 has been referred to the Senate Finance Committee, of which I am not a member. Please know that I will keep your support for this legislation in mind should it come before the full Senate.
Once again, thank you for writing. If you have any additional questions or concerns, please do not hesitate to contact my Washington, D.C. office at (202) 224-3841. Best regards.
Sincerely yours,
Dianne Feinstein United States Senator
Further information about my position on issues of concern to California and the Nation are available at my website http://feinstein.senate.gov/public/. You can also receive electronic e-mail updates by subscribing to my e-mail list at http://feinstein.senate.gov/public/index.cfm?FuseAction=ENewsletterSignup.Signup.
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