Travis' shared items

Both Goverment and Conventional mortgage rates are quickly becoming a major subject of discussion in Utah. I am starting to see radio ads, letters, postcards and other advertising. With a volatile market many of these types of advertising may be too late. We have seen the best interest rates come and disappear very quickly sometimes moving up over one percent in a matter of days. Don’t miss out on this opportunity that you can easily be prepared for.

Experienced mortgage professionals were able to lock their clients in to amazing interest rates by staying on top of market trends. They have a program designed to allow you to choose your own interest rate. Once that interest rate is available they will lock your rate in and guarantee it for about 30 days. I call my own program the “Load and Lock”.

You will want to get some professional advice in choosing what interest rate and program will best fit your needs and financial goals. If you choose a rate too low you may never get a chance to lock in the rate. If you choose too high it may not be a financial advantage to refinance into the chosen rate. Make sure you speak extensively with a mortgage professional about the pros and cons of refinancing your home.

Your mortgage professional will also have you correct any issues that he/she thinks will harm your qualifications. Getting good advice and following that advice is crucial in getting the best interest rate. Remember there have been many changes in the last year on how interest rates are determined for individual borrowers and sometimes making some simple changes will save you a bundle.

Mike Harrison    Send me an email
Principal Lending Manager
First Federal Mortgage, Inc
Salt Lake City, Utah
801-404-3540 Cell
888-800-1629 Toll Free

Action Precedes Motivation...

Been saying that for a while, but it is funny that we often slip into our old agreements instead of moving forward.  We, all to often, fall back. 

I am learning to get up and go.  Don't let yourself over think the day.  When there are times that I do not want to get to the gym.  I go and with in 10 to 15 minutes of working out.  I am so glad that I made it there. 

The same goes for working the deals and heading out into the Lions Den (Realtor offices) that once I am there.  I am loving it. 

To read the whole post, go here to Dave Woodson.  It is my new personal blog that I am working on.  It still has a few kinks, but we are kicking the tires and lighting the fires.

Dave Woodson

The Indiana FHA Lender of Choice

Lake Geneva Lakefront Home

If you’ve wondered if this is a good time to invest in the Lake Geneva Real Estate market, we’ve made the search process simple and easy with our Lake Geneva Web Site at www.LakeGenevaProperty.com.  You can view homes and condominiums for sale on Lake Geneva and the surrounding lakes in the Geneva Lakes Area.

For more information on Lake Geneva real estate, including information on all the lakefront homes, contact Realtor Bob Webster via email. 

Visit www.LakeGenevaProperty.com for all your real estate needs in Lake Geneva Area including Delavan Lake, Whitewater Lake, Lake Beulah, Lauderdale Lakes, Powers Lake and Twin Lakes.

Expect to see a whole lot more Google and Facebook sign-in boxes on sites all over the web from today going forward: in what you'd think was a planned parallel announcement, Google and Facebook launched their Friend Connect and Facebook Connect products today, which allow web publishers to set up plug in sign-in and other social features to their web sites. All your online identity are belong to Google or Facebook? Tell us in the comments, and see a video demo of Google's Friend Connect here.

Be honest. How much time did you spend last week getting relevant, keyword-laden backlinks from other bloggers in your niche?

10 minutes? An hour? None at all? Watch this video on a new piece of software that will change the game so you can finally take advantage of the kind of link building you SHOULD be doing without spending more time on your blog. In fact, you’ll spend less!

Trackbacks are a pain to remember each time you do a post. Yet there are likely a lot of people talking about the same topic you just posted about out in the blogosphere. People who are more than willing to to link back to YOU talking about THEM.

And not only that, but they will gladly link back to you using your post title as the link. Think SEO. Think keyword anchor text links.

Then think…Trackboost.

Everyone is in a hurry once they’ve finished a post. No one wants to get done with a post and then have to go out and search the Sphere for relevant further information and posts that their readers would appreciate.

Everyone knows the value of a good link. People spend a TON of time trying to get them. Yet bloggers rarely spend enough time on trackbacks, some of the best linkage you can get for direct traffic and SEO. This is because it extends the amount of time you have to work on each post doing the research, grabbing trackback links, and setting the links to the posts you recommend in the post you just made.

The entire mess has been corrected. Watch this video and you’ll see. Bloggers are gaining a new best friend this week.

Trackboost comes out this week. Watch this spot for the release and then grab it and get all your posts linked up with no sweat!

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Introspection on Thursday Morning.....Inspiration Courtesy of Twitter.

It's amazing how the lessons we learn at a young age can have a severe impact on how we function in life.  I am constantly amazed at how we are, for lack of a better word, brainwashed into self defeatist beliefs. 

If I had to choose a "magical power" today, I wish I had a wand to wipe away everyone's memory of past mistakes so they could start each day fresh and realize the potential they have inside.

I don't have a magic wand, but I do have a blog.

You can choose your path....here in America....where your boundaries are only limited by your thoughts. 

Do you know who you really are? You are a rockstar creating your own destiny IF- YOU choose your own tune.

Dance to your own drummer.

And find drummers whose tune makes you feel like jammin' ....

• What are you reading?
• What you are you listening to?
• What are you doing?
• Where are you marching?
• What tune are you singing?
• What do YOU attract into your experience? 

I woke up grateful to get started on the day, working as an entrepreuner and controlling my family's destiny by my attitude and actions. 

THAT IS FREEDOM.

I opened up my laptop and logged into Twitter. This is what I saw,

My eyes headed straight for the good stuff, first thing this morning, thank you @AlexKaris. 

Every morning you wake up and YOU choose....

• What you are reading? 
• What you are listening to?
• What you are doing? 
• Where you are marching?
• What tune you are singing? 
• What YOU attract into your experience?

It IS that simple.  Why do impoverished Orphans in HAITI SMILE and SEEK JOY?

See what you don't like and notice how you feel.  Then run toward what you do want and become laser FOCUSED on it.

C'mon and beat your own drum...fulfill your desired destiny....lemme step back so you can go ahead and do your own thang.

Let's Jam.  We can go ANYWHERE.

Treasury Secretary Henry Paulson is considering a new plan to reduce mortgage rates in another bid to revive the U.S. housing market according to an anonymous source. The Treasury could, under this new plan, step up purchases of mortgage backed securities (MBS) to drive down interest rates on some loans to 4.5 percent, the official said on condition of anonymity. The possibility that this plan could change is enormous. We saw the results of the investment of $600 Billion into the MBS market last week, more investment could have more results.

Mortgage applications surged by a record last week and the average rate on a 30-year fixed-rate loan dropped to 5.47 percent, the lowest level since June 2005, the Mortgage Bankers Association said yesterday. So, what will this latest “news” do to the clients that have started application and (probably) locked their interest rate when they hear rates could drop another full percent?

Lowering mortgage rates to 4.5 percent might allow a lot of homeowners to refinance into a cheaper loan but some financial experts expect far fewer people will actually qualify for the lower rates. There are already a number of additions to rates due to credit score, loan to value and purpose of loan. With substantially lower rates, lender will probably tighten these requirements, even more.

I am not certain of what this announcement means to future business opportunities. One “expert” stated that he thought the lowering of the fixed rates to 4.5% could mean that 90% of the mortgages in existence could benefit from refinancing to the new, lower rate. If true, business could get quite brisk. Hopefully, government mortgage bonds (called Ginny Mae) would also benefit from this investment and we could see lower FHA rates also.

What are your feelings about having interest rates drop like this? Is it sustainable? Call me today to make an appointment so you are ready if this actually take place.

I am hearing this very familiar catchphrase repeatedly.  In fact, I recently read an article in Business Week where the author suggests just that.  There are many problems with this analogy.  As a lender who has spent the better part of my 14 years helping homebuyers obtain FHA loans in Wisconsin I assure you there are some enormous differences.  FHA mortgages have helped people buy homes in Lake Geneva, Delavan, Elkhorn, and all of Walworth County for many decades.

Here are a few for you to consider Wisconsin FHA Loans.

Travis Egan Mac Daddy of Mortgages Community Bank CBD 820 E Geneva St Delavan, Wisconsin, 53115 US	Work: 262-740-7751 Mobile: 262-745-5055 egant@communitybankcbd.com www.TravisEgan.com
Lender, Lake Geneva Real Estate, Delavan Real Estate
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