The current first time homebuyer tax credit is set to expire on December 1, 2009. However, House Speaker Nancy Pelosi says that the governement may extend it and expand it.
There is consideration that they may increase the tax credit from $8000 to $15,000 and possibly include all purchases or purchases involving new home construction!
This would be a huge benefit to the housing market as well as to the economy as a whole. The National Association of Realtors has asked Congress to extend the credit due the estimated 350,000 buyers who would not of bought homes without the credit. They also indicate that it brough 1.2 million new buyers into the market! Wow!!!!
At least, lawmakers are requesting a 6 month extension on the original first time tax buyer credit. Even if you are not a first time buyer, the tax credit may still benefit you. Please give us a call or email us and we will be happy to answer any further questions you might have!
The InSight Team is here to help you make choices you can live with today....and in the future.
Blessings
Michele "MAC" A. Cole
Business Development Rep
www.wantinsight.com
Showing posts with label Christian lender. Show all posts
Showing posts with label Christian lender. Show all posts
Monday, October 12, 2009
Friday, June 19, 2009
Ethical Actions
Daily we are all faced with making ethical choices, some more obvious than others. And, as a business owner and manager, I must make on the job decisions that affect the success of the business, my staff and their careers. Success to me is defined by strong values and high integrity and not by dollar signs!
After many years as a mortgage consultant for other companies, (nationally known names) I became increasingly aware of the sometimes not- so- straightforward methods employed by these companies to obtain mortgage loan business. Clients weren’t individual with specific needs, they became a “transaction”, a number to add to the volume closed that month. So, we chose to put our client’s needs first and foremost. Thus, InSight Mortgage Group was founded on the principles of integrity, superior customer service, and biblical principles of stewardship. I am a qualified member, one of three mortgage professionals in the entire country, of Kingdom Advisors. Kingdom Advisors is an organization that equips the financial professional to walk out their faith and biblical principles in the marketplace and to pass along sound financial wisdom to their clients. You can learn more about them at www.kingdomadvisors.org.
We’ve promised to deliver the best possible solution to our clients needs even if that means losing the loan. It disturbs us to see what many mortgage companies are continuing to do these days: over promising and under delivering. And in this tough economic climate it’s happening a lot. Typically what happens is a lender quotes a lower rate than the competition, and is charging additional fees and not disclosing them, or hiding them under the guise of other charges. And what impact does this have? First, the client who has just experienced a closing with unexpectedly higher costs, feels trapped at the last minute without other choices and ends with a highly negative attitude and end result. Then, the bad experience reflects poorly back on the industry as a whole, possibly lumping all mortgage consultants together as crooks or liars.
Proverbs 11:18 teaches us: “The wicked man earns deceptive wages, but he who sows righteousness reaps a sure reward.”
We believe in building relationships and have appreciated the repeat business of many clients, and the referral of business from their family, friends and associates. It’s a foundation of trust and the knowledge of being treated with respect and honesty. A mentor and friend, Rick Boxx, said it best, “Selling with integrity can be very difficult. It takes self control and a relational approach, rather than a self-serving transactional approach.”
"Michele is Believer who has based her Mortgage company, Insight Mortgage Group, on all the Christian principles from the Bible, and who does not believe in gouging the clients. In fact, her whole company is based on Christian love and care for each other and making sure that her clients are getting the best deal possible within the Mortgage industry. Of course, just like you, she needs to make a living along the way, but she does not make her living hi-jacking unsuspecting buyers. God rewards his trusted Christian believers for their service and for their honesty and caring of our fellow man." - V. Thomas
There will be daily temptations to give in to greed, take advantage of others, and cut some corners. Stand strong and do what you say you’re going to do, speak honestly, be responsible and accountable for your actions and make good ethical decisions. Let your actions show that you are a person of integrity. Talk is cheap. Do you want to work with someone who talks a good talk but then doesn’t deliver? Remember this one: Actions speak louder than words.
"What I can testify is the fact that Michelle, after many tearful phone calls of desperation, took a clear and unbias look at our situation and clearly explained our options, sure we could refinance or try to move and solve the short term problem. We would have been stuck with a crazy interest rate and a larger monthly payment, and have lost some equity in our home, but in my eyes we would have skipped a house payment, stopped our late pays and late credit reporting, and avoided foreclosure. Michele also gave me some hard words to hear in terms of dealing with our financial situation, it would not be in our best interest, and the amazing part is she put our best interest first in turning our eyes upon the true inner nature of our situation. I know she could have made money off of our unfortunate situation, but she didn't. She gave us some wonderful contacts and advice to dig in and work with our mortgage company to resolve the issue, save our home, and face the bad habits that put us in that situation to begin with. Looking back I am so UNBELIEVABLY thankful we never refinanced and put that bandaid on a quite larger wound. We worked with our mortgage company, had our loan modified, became current with our mortgage, and we learned some hard but awesome life lessons along the way. She will always have our business. And because we learned(and still learning) how to manage and handle our finances, that in turn enables us to move in the near future" E. Hammond
A principle we strive to embody is from Philippians 2:4 "Each of you should look not only to your own interests, but also to the interests of others”.
At InSight Mortgage Group we want to help people make good sound choices, ones they can live with today and in the future. Please call us at 913-642-3334 or email us at michele@wantinsight.com or dickw@wantinsight.com for trusted, client-focused answers to your mortgage or financial questions. Blessings
After many years as a mortgage consultant for other companies, (nationally known names) I became increasingly aware of the sometimes not- so- straightforward methods employed by these companies to obtain mortgage loan business. Clients weren’t individual with specific needs, they became a “transaction”, a number to add to the volume closed that month. So, we chose to put our client’s needs first and foremost. Thus, InSight Mortgage Group was founded on the principles of integrity, superior customer service, and biblical principles of stewardship. I am a qualified member, one of three mortgage professionals in the entire country, of Kingdom Advisors. Kingdom Advisors is an organization that equips the financial professional to walk out their faith and biblical principles in the marketplace and to pass along sound financial wisdom to their clients. You can learn more about them at www.kingdomadvisors.org.
We’ve promised to deliver the best possible solution to our clients needs even if that means losing the loan. It disturbs us to see what many mortgage companies are continuing to do these days: over promising and under delivering. And in this tough economic climate it’s happening a lot. Typically what happens is a lender quotes a lower rate than the competition, and is charging additional fees and not disclosing them, or hiding them under the guise of other charges. And what impact does this have? First, the client who has just experienced a closing with unexpectedly higher costs, feels trapped at the last minute without other choices and ends with a highly negative attitude and end result. Then, the bad experience reflects poorly back on the industry as a whole, possibly lumping all mortgage consultants together as crooks or liars.
Proverbs 11:18 teaches us: “The wicked man earns deceptive wages, but he who sows righteousness reaps a sure reward.”
We believe in building relationships and have appreciated the repeat business of many clients, and the referral of business from their family, friends and associates. It’s a foundation of trust and the knowledge of being treated with respect and honesty. A mentor and friend, Rick Boxx, said it best, “Selling with integrity can be very difficult. It takes self control and a relational approach, rather than a self-serving transactional approach.”
"Michele is Believer who has based her Mortgage company, Insight Mortgage Group, on all the Christian principles from the Bible, and who does not believe in gouging the clients. In fact, her whole company is based on Christian love and care for each other and making sure that her clients are getting the best deal possible within the Mortgage industry. Of course, just like you, she needs to make a living along the way, but she does not make her living hi-jacking unsuspecting buyers. God rewards his trusted Christian believers for their service and for their honesty and caring of our fellow man." - V. Thomas
There will be daily temptations to give in to greed, take advantage of others, and cut some corners. Stand strong and do what you say you’re going to do, speak honestly, be responsible and accountable for your actions and make good ethical decisions. Let your actions show that you are a person of integrity. Talk is cheap. Do you want to work with someone who talks a good talk but then doesn’t deliver? Remember this one: Actions speak louder than words.
"What I can testify is the fact that Michelle, after many tearful phone calls of desperation, took a clear and unbias look at our situation and clearly explained our options, sure we could refinance or try to move and solve the short term problem. We would have been stuck with a crazy interest rate and a larger monthly payment, and have lost some equity in our home, but in my eyes we would have skipped a house payment, stopped our late pays and late credit reporting, and avoided foreclosure. Michele also gave me some hard words to hear in terms of dealing with our financial situation, it would not be in our best interest, and the amazing part is she put our best interest first in turning our eyes upon the true inner nature of our situation. I know she could have made money off of our unfortunate situation, but she didn't. She gave us some wonderful contacts and advice to dig in and work with our mortgage company to resolve the issue, save our home, and face the bad habits that put us in that situation to begin with. Looking back I am so UNBELIEVABLY thankful we never refinanced and put that bandaid on a quite larger wound. We worked with our mortgage company, had our loan modified, became current with our mortgage, and we learned some hard but awesome life lessons along the way. She will always have our business. And because we learned(and still learning) how to manage and handle our finances, that in turn enables us to move in the near future" E. Hammond
A principle we strive to embody is from Philippians 2:4 "Each of you should look not only to your own interests, but also to the interests of others”.
At InSight Mortgage Group we want to help people make good sound choices, ones they can live with today and in the future. Please call us at 913-642-3334 or email us at michele@wantinsight.com or dickw@wantinsight.com for trusted, client-focused answers to your mortgage or financial questions. Blessings
Wednesday, May 27, 2009
A crop of fake credit histories emerges - Kansas City Star
A crop of fake credit histories emerges - Kansas City Star
Shared via AddThis
I just recently had Julia Jensen from the FBI speak at InSight Mortgage Group's monthly Lunch and Learn about this very topic, credit fraud. The information she shared is absolutely amazing and unbelievable. Desperate times bring even more desperate measures. If you don't want to fall victim or prey to this, please consider using a lender who cares about you and your future. If you are looking for a home loan and a lender who will give you sound biblical advice, contact InSight Mortgage Group. Our focus is not about making dollars and cents, it's about helping you make sound financial choices!! Please give us a call at 913-642-3334 or visit www.wantinsight.com.
Shared via AddThis
I just recently had Julia Jensen from the FBI speak at InSight Mortgage Group's monthly Lunch and Learn about this very topic, credit fraud. The information she shared is absolutely amazing and unbelievable. Desperate times bring even more desperate measures. If you don't want to fall victim or prey to this, please consider using a lender who cares about you and your future. If you are looking for a home loan and a lender who will give you sound biblical advice, contact InSight Mortgage Group. Our focus is not about making dollars and cents, it's about helping you make sound financial choices!! Please give us a call at 913-642-3334 or visit www.wantinsight.com.
Thursday, December 18, 2008
MERRY CHRISTMAS
Merry Christmas from InSight Mortgage Group. We pray your season is filled with Joy, Hope & Love!
The Christmas Story!
And while they were there, the time came for her baby to be born. She gave birth to her first child, a son. She wrapped him snugly in strips of cloth and laid him in a manger, because there was no lodging available for them.
That night there were shepherds staying in the fields nearby, guarding their flocks of sheep. Suddenly, an angel of the Lord appeared among them, and the radiance of the Lord’s glory surrounded them. They were terrified, but the angel reassured them. “Don’t be afraid!” he said. “I bring you good news that will bring great joy to all people. The Savior—yes, the Messiah, the Lord—has been born today in Bethlehem, the city of David! And you will recognize him by this sign: You will find a baby wrapped snugly in strips of cloth, lying in a manger.”
Suddenly, the angel was joined by a vast host of others—the armies of heaven—praising God and saying,
“Glory to God in highest heaven,
and peace on earth to those with whom God is pleased.”
When the angels had returned to heaven, the shepherds said to each other, “Let’s go to Bethlehem! Let’s see this thing that has happened, which the Lord has told us about.” They hurried to the village and found Mary and Joseph. And there was the baby, lying in the manger. After seeing him, the shepherds told everyone what had happened and what the angel had said to them about this child. All who heard the shepherds’ story were astonished, but Mary kept all these things in her heart and thought about them often. The shepherds went back to their flocks, glorifying and praising God for all they had heard and seen. It was just as the angel had told them.
John 3:16, For God loved the world so much that he gave his one and only Son, so that everyone who believes in him will not perish but have eternal life.
Please call or email, michele@ wantinsight.com if we can help you with any questions you might have or for a review of your home financing needs. We are here to help you make sound choices and connect you to folks who can help you with your spending plans as well as ways to improve your credit!
Blessings galore!
Michele Cole
913-642-3334
www.wantinsight.com
The Christmas Story!
And while they were there, the time came for her baby to be born. She gave birth to her first child, a son. She wrapped him snugly in strips of cloth and laid him in a manger, because there was no lodging available for them.
That night there were shepherds staying in the fields nearby, guarding their flocks of sheep. Suddenly, an angel of the Lord appeared among them, and the radiance of the Lord’s glory surrounded them. They were terrified, but the angel reassured them. “Don’t be afraid!” he said. “I bring you good news that will bring great joy to all people. The Savior—yes, the Messiah, the Lord—has been born today in Bethlehem, the city of David! And you will recognize him by this sign: You will find a baby wrapped snugly in strips of cloth, lying in a manger.”
Suddenly, the angel was joined by a vast host of others—the armies of heaven—praising God and saying,
“Glory to God in highest heaven,
and peace on earth to those with whom God is pleased.”
When the angels had returned to heaven, the shepherds said to each other, “Let’s go to Bethlehem! Let’s see this thing that has happened, which the Lord has told us about.” They hurried to the village and found Mary and Joseph. And there was the baby, lying in the manger. After seeing him, the shepherds told everyone what had happened and what the angel had said to them about this child. All who heard the shepherds’ story were astonished, but Mary kept all these things in her heart and thought about them often. The shepherds went back to their flocks, glorifying and praising God for all they had heard and seen. It was just as the angel had told them.
John 3:16, For God loved the world so much that he gave his one and only Son, so that everyone who believes in him will not perish but have eternal life.
Please call or email, michele@ wantinsight.com if we can help you with any questions you might have or for a review of your home financing needs. We are here to help you make sound choices and connect you to folks who can help you with your spending plans as well as ways to improve your credit!
Blessings galore!
Michele Cole
913-642-3334
www.wantinsight.com
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