Want an Honest Approach to Home Financing? Tips from a follower of Jesus striving to be authentic with my faith!

77% of Americans would call themselves a Christian. Have you heard the phrase, Beware of the Fish? People today are hungry for authentic Christianity. They want to see the real deal? God is also seeking people who are “completely” His.

His Word says in 2 Chron 16:9 - For the eyes of the Lord search to and fro throughout the earth that He may strongly support those whose heart is completely His. What this says to me is that God is looking for people He can strongly support. He looks at our heart. When God looks at your heart, what does He see? Does He see a heart that is fully His?

What does a heart look like that is fully His?

- Its when we surrender our will to the will of the Father. We have to die to self, forego our agenda and seek God’s instead. Matthew 6:33 says Seek Ye the Kingdom of God first and His righteousness and all things will be added unto you.

- It’s a love relationship with the Lord Jesus Christ? The only way to fall in love with our Creator is to spend time in His word daily. Get to know Him. The Word says we are friends of God. When you get together with your friends, do you do all the talking and never find out what your friend has to say? Ask God to speak to you. He has good plans for us but we won’t know what those are if we don’t spend quality time with Him.

Christ is in us and the Holy Spirit helps us to apply God’s Word in our walk with Him. He promises us to never give us more than we can handle and He says we can do all things in Christ Jesus who gives us strength.

- It’s about trusting God and being obedient to His word no matter what the circumstances. Not giving in to temptation or fear, but believing God’s word is true. In Phillipians 4:19, it says God will supply all of your needs according to His riches in glory by Christ Jesus. The Lord had me do a word study on some of the words in this verse – and here’s what I got when I add the additional meanings:

- God shall, intends to, plans to, expects to, is determined to, definitely will and is obliged to supply, to furnish, to provide, to satisfy all, totally, entirely, all kinds, beyond all doubt, your needs, or lack of something, wanted or necessary, a requirement, an obligation you have and a longing or desire according to His riches in glory by Christ Jesus! Doesn’t that just give you more confidence that God is sovereign and is in control (if you let him) and that “whatever” your needs are, He will provide them.

- It’s about loving your neighbor as yourself. It’s about speaking a word of encouragement or giving to someone in need. Everywhere we go, there are people hurting, people in need. What has God given you that you can give away to someone in need? It can be money, time, a listening ear? Just be open to being used.

All believers are called to be an agent of the Kingdom of God and to carry the mission of God wherever we go. The more we become like Christ, the more we will be used this way.

If you are interested in this and want to learn how you can walk this out in your workplace, email me! I'd love to hear from you.

Jewel and I focus on providing home mortgages with a lender you can trust! We are committed to do the right thing for YOU. We strive to walk out our Christianity the way God would want us. We aren't perfect but we try to improve where we lack!

Bless you!

Michele "MAC" A. Cole
michele@wantinsight.com
The InSight Team
Jewel Callahan
Mortgage Consultant
jewel@wantinsight.com

IT'S TIME TO GET OFF THE FENCE

Our local Kansas City housing market is beginning to heat up this summer and the national economy is still showing signs of improvement. But, as a first-time buyer are you still on the fence? You could feel the pain if you don’t take action soon!!

Time is running out on the $8,000 federal government’s tax credit. Don’t be deceived by the December 1 end date. Remember, the purchase loan must be closed by December 1 in order to qualify for the tax credit. Having a signed contract or having loan approval isn’t enough for obtaining the credit.

Look at the timeline from the closing date backwards to see why you need to start NOW. The average time, from final signatures on the contract to sitting at the closing table and getting the keys to your new home, is generally 45-60 days. So, to meet the Dec. 1 deadline, you’ll need to have a home under contract by late September or very early October.

Are you thinking that it’s doable in only 2 months? Well, lots can happen during the home search and loan approval process, and two months can fly by fast. And then there are possible issues after the contract is in place which may affect the closing date. Please contact us, InSight Mortgage Group, to start your preapproval process now.

For first-time buyers the purchase process can take a bit longer than for experienced purchasers. Home buying is a complicated process, and you’ll need the guidance of a good realtor and lender.

CONSIDER:

Competition: Some neighborhoods with homes for sale (inventory) are selling fast in the greater Kansas City metro area. Certain areas are especially appealing for first-time buyers, and with the tax credit available only to first-time buyers, these areas are seeing a competitive market. Mix into that foreclosures with really low asking prices. Investors are very active in scooping up these low priced homes.

Contingencies & Disclosures: The seller must disclose any material facts about the property, including lawsuits or claims of ownership on the property, and any known property defects. If questions arise during the buyers review of the disclosure, final signatures on the contract can be delayed. Contingencies can also impact the negotiating process, causing additional delays.

Loan Approval: Right now, interest rates are at all time lows for credit-worthy buyers. But, new laws are impacting the approval process and lenders are requiring more and more detailed paperwork from buyers. Obtaining a preapproval prior to making an offer is a high priority in the purchase process.
Appraisal: The lender orders an appraisal on the property, which determines the value of the property being purchased. An appraiser looks at the interior and exterior condition of the property, and compares it to very recent sales of similar properties close by. Most appraisals are now ordered through a third party appraisal management company, adding another layer of time to the process. And, laws implemented recently also added more paperwork to the appraisal process, which impacts turnaround time for completion.

Inspections: It is generally recommended that buyers hire a professional company to conduct an inspection of the property. Depending upon the findings, if repairs are needed, negotiations are reopened and more time is required to come to some sort of resolution.

Holidays: When looking at a closing date it important to remember the upcoming holiday season. Many people are involved in the closing process for a real estate contract: the buyers and sellers real estate agents, lenders, attorneys, inspection companies, appraisers, appraisal management companies, and escrow/title company offices. A lot of people wait to the end of the year to take their vacation time, and especially near the Thanksgiving weekend. It’s not unheard of, unfortunately, to have crucial paperwork sitting in a pile on the desk of a vacationing worker.

Short Sales & Foreclosures : Offers on these properties almost always take much longer for an answer than traditional MLS marketed homes. Some agents have reported that the companies handling these homes are overwhelmed with paperwork, are understaffed, and that it can take up to 3 months before an answer to an offer is received!

With the encouraging signs in the housing market being reported recently i.e:
* Nationally there’s a 6 month supply of homes priced under $250k (CNBC)
* Existing home sales in June were up, 3rd straight month for increased sales
* Only 31% of all sales were distressed properties – indicating reduced inventory
* Median price of an existing home increased in June, to $181,800.
* Higher prices than six months ago, each month making small gains
those knowledgeable in the housing industry are predicting that average home prices may NOW be very close to fair value, and the bottom of the market is behind us.

If you, or someone you know, may still be sitting on the fence waiting for the “right time” to jump into homeownership, don’t wait any longer. Call us at 913-642-3334 or email us at michele@wantinsight.com or dickw@wantinsight.com to start your preapproval process. Be smart and invest in your future today! Blessings.

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

FACT or FICTON: NO COST LOANS

Aren't there a lot of ads these days promoting "a great loan program that no one else has, so call immediately"? One of the most consistently promoted programs these days is the No Cost Home Loan.

It’s everywhere – radio, TV, the web, even in the shopping malls these days. “Refinance now with us and have no closing costs”. And you might think, “gee, with money being tight right now, that sounds good to me.” A free loan, save lots of money!

Didn’t Mom once say, “nothing in life is free”? And isn’t Mom usually right! Now, you actually can get a loan with little or no closing costs. But, what you’re not told is that you actually end up paying a higher interest rate than you really qualify for! This in turn means that you might save $3,000-4,000 in closing costs upfront, but the monthly payment could be $100-300 higher than it would have been if you had paid the closing costs.

Let’s walk through the process with the following example. Loan amount is $200,000. You will pay the closing costs on this loan, you qualify for a 6% rate. (not so perfect credit) Monthly payment (P&I) is $1,199. Banker ABC says “no closing costs, and 7%.” He may tell you, “the rate may seem just a little bit high, but you’ll save $3,000.” You think that sounds great!

What is not explained is the difference in the 6% rate you qualify for, and the 7% rate you choose to take for the “free” loan. Borrowing $200,000 at 7%, the payment is $1,330. So, that’s $131.00 more a month than the loan at 6%.

Now, if you choose the loan where you pay the closing costs and save $131 monthly, it will take you about 22 months to get your $3,000 back for the closing costs. And, if you stay in the house another five years beyond the “payback” time (22 months), you’ll save about $7,900 at the 6% rate. BUT, if you decide on the “no cost loan”, you’ll see about
$8,000 blow out the patio door into the wind.

Always ask what the difference in the rates is, and exactly what the closing costs will be. Figure the difference between the two programs – the loan with closing costs and the one without. Rule of thumb says that if in two years or less you’ll have paid back the closing costs, and you’ll be in the house for at least 5 years, then take the loan with the lower rate and pay the closing costs.

It’s our mission at InSight Mortgage Group to find the best loan program to meet your needs and to counsel you throughout the entire process. We specialize in making you, our client, our first priority. Please call us at 913-642-3334 or email me at michele@wantinsight.com with questions regarding refinance or purchase loans.

STRENGTH IN FIRST-TIME BUYER SALES

Although March saw a slowing in existing home sales, low mortgage rates and tax credits are drawing first time buyers into the market according the National Association of Realtors.

NAR chief economist, Lawrence Yun, indicated that with the modest ups and downs recently seen in the market, it appears to be stabilizing. “The share of lower priced home sales has trended up, indicating a return of many first-time home buyers, which we also see in a parallel member survey”, he said. “Sales in the upper price ranges have stalled because of higher interest rates on jumbo loans.”

March ’09 saw a rise in home prices, with the national median existing-home price for all types of properties at $175,000, although it is down 12.4% from March 2008. But, the increase in March was 4.2%, which is more than double the 1.8% seasonal increase usually seen at this time. Over half the March transactions were distressed properties which typically sell for 20% less than traditional homes.

The March survey conducted by NAR of its practioners indicated 53% of transactions were first-time buyers. Yun said “buyer traffic has been rising, and real estate offices are getting phone inquires about the tax credit.” “By early summer we should be seeing a positive impact on home sales from record low mortgage rates in addition to the stimulus provisions.”
The Midwest region has fared better than the other regions in the country. March’s median price was $141,300, a drop of 6.1% from a year ago, compared to an 18.4% drop in the Northeast, 12.2% in the South, and 11.1% in the West.

At InSight Mortgage Group we can provide you with clear, concise information on the $8,000 first-time buyer tax credit, in addition to finding you the right loan program to fit your specific needs. Call us at 913-642-3334 or email me at michele@wantinsight.com. We look forward to working with you. Blessings.

RATES ARE LOW, BUT ....

Mortgage rates are low but there are costs associated with acquiring a loan. Those borrowers with less than perfect credit have incurred increased fees recently implemented by Freddie Mac and Fannie Mae. Many of us in the mortgage industry think that with the uncertainty in the mortgage market, other costs will increase as lenders look to reduce their costs and anticipate rates.

Lending standards are really tight which means that borrowers who qualify for the really low rates must meet a strict and narrow set of guidelines.

In general, to get the headline making rates, borrowers are often paying more points, or prepaid interest, that brings the mortgage rate down.

Over the past year and a half there has been many changes in mortgage pricing, and from the borrower’s standpoint, it’s mainly negative. Fees are added based on a borrower’s credit scores according to Fannie Mae and Freddie Mac’s new risk-based pricing. Now, borrower’s must have a FICO score of 740 or higher to avoid the extra fees, according to Dan Green, author of TheMortgageReports.com and loan officer with Mobium Mortgage in Cincinnati. Lenders incorporated the new rules into the rate sheets in the middle of January even though the official effective date is April.

These new fees, Loan Level Price Adjustments, are an unpleasant surprise for some borrowers wanting to take advantage of low rates. These fees create different pricing scenarios from one person to the next. What works for one borrower may cost the next person 1% more.

For those wanting to pull equity from their home through a cash-out refinance, fees have increased as well. And the lenders have added costs to condo financing.

A point is 1% of the mortgage amount, and is charged as prepaid interest. The more in points a borrower pays, the lower the rate. If points rise a bit, it’s a sign that lenders are looking for up front money as opposed to over time, thus covering a portion of their risk.

With government intervention in the mortgage market these days, rates are unpredictable, which generally causes lenders to price conservatively.

Why pay points? A borrower needs to decide whether paying a point (or more) makes more sense for them , or if a mortgage with a higher rate with no points would be better. Factors to consider would be how long does the borrower plan to stay in the home , and how long it will take for buying points to pay off. The more time a borrower plans to remain in the home, the more paying points makes financial sense. In the past one point in fees would buy a drop of 0.25% to 0.375%. These days the percentage is greater, dropping a rate 0.625% to 0.875%.

An example: A 30 yr fixed rate of 5.625% on a $417,000 loan with no points. By buying a point ($4,170), the rate dropped to 4.875%, which saves the borrower $261 monthly in interest cost. With that savings, it takes only 16 months to pay back the buy down. From this point on, everything is a benefit. Given traditional guidelines, the breakeven point would be double that 16 months.

Borrowers are also seeing some fee increases in underwriting and processing. It takes more expertise and work to process a fully documented file than the popular no-document loans of several years ago, thus the higher charges.

Mortgage rate lock fees are also more common. The largest increases in the title & settlement category are in the real estate transfer taxes charged by counties and cities. You may be able to save money when refinancing by using the same title insurance company who closed your first loan. Many title companies have gone out of business, or one company buys out another, so surviving companies are raising prices for title and settlement fees too.

A rule of thumb is that mortgage fees generally run 3% or so of the loan amount.

As a mortgage broker, InSight Mortgage Group has an advantage over the standard lender. We work with many different banks and lenders allowing us to shop around for you to find you the right product and best rate for your home financing. With so many banks and lenders discontinuing loan programs, constantly changing the guidelines or going out of business overnight, it’s good to have other options at our fingertips if the need arises. This keeps you from completely starting over.

Call us at 913-642-3344 for professional, integrity minded help in finding the right loan program for your specific needs. Or, email me at michele@wantinsight.com with your question or concern. My staff and I are ready to work for you. Have a blessed day.

PROTECT YOUR IDENTITY

Recently I attended a seminar by an FBI representative on various types of fraud affecting the mortgage and real estate industries, and of course, our buyers and sellers. Then I had an enlightening conversation with a business associate whose focus is consumer protection and education.

Did you know that identity theft is America’s fastest growing white collar crime? The average dollar amount charged in identity theft is $92,893 and only 1 out of 700 thieves are ever prosecuted. And,the identity theft victim spends on average up to 600 hours restoring their identity. Identity theft is to knowingly transfer, possess, or use without lawful authority another person’s personal information to secure services or products, or to commit crimes in that person’s name.

The mortgage industry has stringent rules and oversights in place to safeguard our business from accepting applications using fraudently obtained information. A new national Red Flags Rule was implemented recently, further enhancing safety practices. At InSight Mortgage Group we have policies and procedures in place providing for the identification, detection, and response to “red flags” that could indicate identity theft.

There are five types of Identity Theft:

1. Financial – your information to obtain money, goods, or services leaving you
with the bill
2. Drivers License – an identity thief could obtain a drivers license in your name and accumulate traffic tickets in your name
3. Social Security – your social security numbers could be used for employment purposes and you could get the tax bill
4. Medical – your personal medical information could be used to obtain
prescriptions or medical health which could affect your health or reduce your
benefits
5. Criminal – your information could be used to escape fines or jail time. You
could actually end up in jail.

Military personnel are at risk too. Social Security numbers are the basis of personal and medical administration. In our era of Internet, credit cards, and computer file-sharing, the element of risk increases. The prime target is the deployed military person who most likely will not view his/her credit report for a year or more according to a public affairs officer with Army Human Resources Command. He said contractors, soldiers, and civilians should be aware of the dangers of identity theft and know how to protect themselves from unauthorized release of personally identifiable information.

Everyone should review their credit reports and financial statements regularly for any fraudulent charges. The Federal Trade Commission also suggests being alert to signs such as bills not arriving as expected, denials of credit for no apparent reason, or calls or letters about purchases never made.

Everyone is facing challenging economic times. Finances are a concern for each and every one of us, and identity theft is a potential threat to us all. Please don’t shake it off as a “it can’t happen to me” attitude. I’ve become aware of a valuable service provided by a company with integrity. Adell Associates of Pre-Paid Legal Services offers a comprehensive service you can use right now to help with the tough decisions all families and businesses must make. Everyone needs a will/living will but puts it off, maybe you’re thinking of bankruptcy, everyone signs contracts, and everyone needs to be concerned about their credit score and identity. These are some of the important benefits this service provides. For more information and personal assistance contact Adell Associates at 913-780-2375 or visit www.adellassociates.com.

Any of us at InSight Mortgage Group would be happy to discuss how we protect your identity through the loan process, or answer questions you may have. Call us at 913-642-3334 or please email me at michele@wantinsight.com. Have a blessed day.

STAYING PRODUCTIVE

Banish the Doom & Gloom thoughts!

How do we stay productive and motivated during these uncertain economic times, when the media is pounding us with doom and gloom stories? I try to work hard to protect myself from the negativity found daily in the paper, on TV, and over the internet. I don’t advocate a “hide your head in the sand” mentality, but I encourage us all to have faith and work on a more positive attitude.

By living a life of intention - focusing on actions to create the life we want - rather than by reaction, we can better guard ourselves from negativity. There's no sense in spending time on things that are outside of our control. Instead of focusing on the problems, we need to look for solutions. By focusing on what we can control, we can reduce worry and stress, maintaining productivity and keeping our motivation at a higher level.

Through each challenge or difficulty we experience, we need to look for a kernel of benefit or positive direction. We can gain strength through adversity, avoid thoughts of panic, by focusing on a benefit of the situation. It’s a process; adversity moves you along – you can gain strength or you can let it can weaken your resolve.

Look at Thomas Edison. In his development of the electric light bulb he documented 10,000 failed attempts. He was asked by a reporter how it felt to have failed 10,000 times. Edison replied, “I didn’t fail 10,000 times trying to invent the light bulb, I simply documented 10,000 ways that it wouldn’t work.” Where would we be today it Edison had quit?

So with the economy, maybe we accept it “as it is”. Neither bad or good, but look at todays’ situation with openness and interest, rather than fear or panic. We discover that kernel of hope and opportunity. Combine that with determination and personal focus, and we stay productive. A common trait among self-made millionaires is the willingness to persevere when times are tough.

Move the focus from the overall uncertain economic situation to your personal situation and ask “What would responsible action look like?” Do you need to adjust your spending to live within your means? Are you honoring the money you have? Acknowledging the facts of your own life is a powerful starting point for reducing anxiety and taking action that is necessary.

To weather the current economic storm: Focus on the facts of your life, the future you want to create, and take action to make it happen – irrespective of what the news is promoting or what your friends are talking about. Believe in yourself, learn from adversity and grow stronger from it, take inspired action. Create your life of intention!

Our goal at InSight Mortage Group is to provide you with the expertise, education and tools needed in making smart financial decisions and the right mortgage choice for your personal goals. Please feel free to call me, visit my website, or email me at michele@wantinsight.com.

Michele "MAC" Cole
913-642-3334
www.wantinsight.com

How to survive the tough economic times in the mortgage and real estate industry?

Al Bernstein
Success is often the result of taking a misstep in the right direction.
How can we balance growth and reduce fears during an uncertain economy?

How can we take this economic crisis and turn it into a positive change for the real estate and mortgage industry?

One way in this uncertain economy, it gives you the opportunity to re-evaluate your business, come up with new strategies for lead generation, human resources, marketing, and investing.

During tough economic times, we need to ask ourselves, what is the worst thing that can happen? How do we prepare for these fluctuations in our economy with the least amount of fear? And can fear and faith co-exist? The bible tells us in Hebrews 11:1 Faith is the confidence that what we hope for will actually happen; it gives us assurance about things we cannot see.

Unfortunately a lot of innocent folks are being impacted by the choices that were made when the market was good. The funnel of how to do more business fueled people into buying homes that were more than they could afford. If it’s too good to be true, it is!
Poor choices whether made by the client or our direction reflects negatively on us and the consequences mean less repeat business.

-We need to get back to the basic fundamentals: maintain a strong work ethic, serve our clients with high quality counsel and service.

-We need to educate them on how to live within their means, avoid the use of debt, build liquidity into their situation, set long term goals and understand that God owns it all.

-And most importantly, we need to keep our clients best interests before us at all times.

InSight Mortgage Group provides your clients with wisdom and InSight in to their situation. Visit us at http://www.wantinsight.com/. We provide tools to help them make good choices… choices they can live now and in the future…

As your faith is strengthened you will find that there is no longer the need to have a sense of control, that things will flow as they will, and that you will flow with them, to your great delight and benefit. Emmanuel Teney


Thermometer – measures what is going on, but has no control over your environment
Thermostat – Helps you take control of your environment

Ask yourself – Am I going to be a thermometer, which is driven by fear?
Or am I going to be a thermostat, which controls my environment?

Michele "MAC" A. Cole
http://www.wantinsight.com/

Tips for Searching for a Mortgage Lender

What are some things a prospective borrower should watch for with a lender?

Ask questions, get disclosures, check references. Relationship is most important. God wants us in relationship with Him and with others. If you don’t know anyone, than ask people you love and trust to refer you to someone. Realtor referrals are good source IF you know and trust the realtor as well. Another recommendation is to use http://www.kingdomadvisors.org/ website to select a financial or mortgage professional. The training and education needed to be a qualified member is substantial and is valuable to you the consumer.

Michele "MAC" A. Cole
http://www.wantinsight.com/