Wednesday, September 16, 2009

Tax Credit Deadline Coming Quickly

The First Time Homebuyer Tax Credit deadline is near! If you are out looking for a home and haven't owned a home at all or haven't owned one in the last three years, this tax credit could be advantageous for you. For all the details and how it could benefit you please visit

The InSight Team will work with you efficiently to help you get your financing in place and your home loan closed prior to the December 1st deadline. Please visit our website at for information on how to contact us. We offer first time buyer financing loans as well as many other options, and have some of the better interest rates available in the area.

Let The InSight Team lend insight into your home financing needs.

Michele Cole

Saturday, September 12, 2009

Help for Trying Times

What do you do when you experience "trying times"? Many folks are feeling the pressures as the economy seems to be ever changing. I know almost daily I get a call from someone who is hurting financially and is need of some advice on what to do. The bible tells us to seek counsel and sound wisdom and to seek a multitude of counselors, but the ultimate counselor is God himself. There are many folks who are suffering the consequences of poor choices, whether there own or of someone else. Don't dwell on how you got there but how to get out of it!

If you believe in God there are three things we can do to help us through these difficult times.

1. Seek His face! Matthew 6:33 says, Seek ye the Kingdom of God first and His righteousness and ALL things will be added unto you. This is Good News! This means that if we seek God and we do what He ask of us, He will take care of us. What does it mean to seek Him and His righteousness. To me it means, getting into the Word of God and learning who He is. It means following His commandments for us. They aren't a bunch of rules that keep us from having fun. They are guidelines to help us live the life He wants us to live. They keep us from harm and they actually help us become a better person to ourselves and to others!! Psalm 34:4 I sought the Lord and He heard me and He delivered me from all my fears. Jeremiah 29:13 And you will seek Me and find Me, when you search for Me with all your heart.

2. Claim God's Promises! The bible is a wonderful resource of God's promises for those who believe in Him. These promises cover our spiritual needs as well as our physical and emotional needs as well. My favorite verse is Phil 4:19 which says, And this same God will supply ALL your needs according to His riches in glory in Christ Jesus! Jesus will provide ALL of our needs. We have to come to Him with a pure heart and be sure our character is free from the love of money (possessions, greed etc). He will never leave us nor forsake us!

3. Enjoy God's Provision! Just as we accept Jesus by faith, we can accept and receive God's promises of provision in faith. The only way to please God is through Faith - Hebrews 11:6. God can provide in ways we can't even think or imagine! Recently I went to the doctor's office to find that someone (anonymously) had sent a check on my behalf to cover the expenses there! That is God in action! There have been times that God has asked me to do things for folks to help them in their time of need. And as we give, it is given back to us. God loves a cheerful giver! Try it sometime. When you see someone in need, help them out and just watch how God will bless you back.

If you aren't a believer or follower of Jesus, you too can have this relationship. You just need to ask Jesus to come into your heart, ask Him to cleanse you from your past sins (mistakes). We all sin. Ask him to forgive you and help you turn from the ways of the world. He will wipe the slate clean and give you a fresh new start! Believe He died on the cross and rose again for YOU. Then receive His love by faith. And if you do this, let me know. I'd love to help you get connected to folks who will help you walk out your new relationship with Jesus!!!
The InSight Team

Friday, September 11, 2009

Hanging on in Trying Times

Do you know someone is who feeling the impact of the ever changing economy? Is someone you know experiencing a financial crisis? Bankruptcy? Foreclosure? Job loss? I sure have. Being in the mortgage industry, this is something I see or hear about every day. It's very sad. Some folks are experiencing these things because of the poor choices of others or because of their own poor choices. We all do this from time to time. Unfortunately, it's a fact of life. When we spend money on things such as nice homes, sports cars and other pleasures of life and if we do so without having the ability to pay cash for it, we can be setting ourselves up for financial destruction. We reap what we sow! Our national debt is a number too large for me to even fathom. The bible says, that just as the rich rule the poor, so is the borrower servant to the lender. When we take on debt that we cannot pay off, it puts us in a position of "bondage".

But there's hope! I know many people who can help you and offer you solutions. Sometimes refinancing is an option and sometimes it's not. Interest rates are still very good but now is the time to act. With the ever changing economy, the only way we can survive as a country is through inflation, which means interest rates go up.

For an honest approach - free consultation on what options you have, please give us a call or email. We care and we want to see you freed from bondage!

Blessings from The InSight Team
Michele "MAC" A. Cole
Business Development Rep

Jewel Callahan
Mortgage Consultant

Friday, September 4, 2009

LIfestyle Desires vs Family Needs

Yesterday I was at the monthly meeting for Kingdom Advisors,, an organization that equips the financial professional to walk out and teach about biblical stewardship. Yesterday's topic was very timely about our lifestyle desires vs our family needs. Have you ever sat down with your family and discuss needs vs desires? People are losing jobs and when finding new employment, accepting positions with companies at much less income than they ever made before. As I currently am in transition into a new position with no real predictable income. I am reevaluating my spending decisions. I was convicted in my spirit recently about my latte habit. I have many appointments outside my office in a local coffee shop for convenience. I love a good latte when I am there. I realized that a latte is a desire not a need for me. I chose to have a glass of water instead so that I could save a few bucks. I'm not here to make you feel guilty about what you do or don't do or what you have or don't have. I just believe now is the time to look inward, to discern the true nature of your lifestyle and see if there are any areas you could cut back on so that you could avoid unseen financial circumstances later.

We have to be proactive to avoid future calamity We can't bet on our future, we can't assume we will be employed tomorrow, we can't assume that we will always be in good health. Reality is that only God knows what our future holds. We need to press into Him, we need to abide in Him, we need to spend time in His Word. It is a light for our path. We need to look to Him for provision and trust that He will take care of us. Pray and ask the Lord to come into your heart and meet your needs. See what His Word has to say: Matthew 6:25-33:
25Therefore I tell you, stop being [a]perpetually uneasy (anxious and worried) about your life, what you shall eat or what you shall drink; or about your body, what you shall put on. Is not life greater [in quality] than food, and the body [far above and more excellent] than clothing?

26Look at the birds of the air; they neither sow nor reap nor gather into barns, and yet your heavenly Father keeps feeding them. Are you not worth much more than they?

27And who of you by worrying and being anxious can add one unit of measure (cubit) to his stature or to the [b]span of his life?(A)

28And why should you be anxious about clothes? Consider the lilies of the field and [c]learn thoroughly how they grow; they neither toil nor spin.

29Yet I tell you, even Solomon in all his [d]magnificence (excellence, dignity, and grace) was not arrayed like one of these. [I Kings 10:4-7.]

30But if God so clothes the grass of the field, which today is alive and green and tomorrow is tossed into the furnace, will He not much more surely clothe you, O you of little faith?

31Therefore do not worry and be anxious, saying, What are we going to have to eat? or, What are we going to have to drink? or, What are we going to have to wear?

32For the Gentiles (heathen) wish for and crave and diligently seek all these things, and your heavenly Father knows well that you need them all.

33But seek ([e]aim at and strive after) first of all His kingdom and His righteousness ([f]His way of doing and being right), and then all these things [g]taken together will be given you besides.

As we continue to see the media portray doom and gloom, we can turn to our Heavenly Father. He will provide you peace through difficult times!

Bless you this day!