Thanks so much, not only for your “in depth” response, but also for your suggestions in how to approach the file. Mortgage Currentcy has become an important part of our day to day operations and we value all that you and your staff provide.
Steve Reed, Owner/Meridian Home Loans
Thank you for being so dedicated to your column in www.TheNicheReport.com. I think it has become a must-read for many folks.
Robert Pegg, Co-Founder & President, TheNicheReport
Wow, I am so impressed with your quick response to my questions. I am a FAN...
Carol Lorence, Mortgage Advisor
Thank you so much for helping me. I am glad I can count on all of you for the much support needed in today’s world.
Maria Medeiros, Loan Originator, Castle Mortgage
I have been subscribing to you for quite a while. Both LO Mag and MtgCurrentcy. I enjoy them very much and they have increased my business by 10%. Love it!
Eli Dror, Loan Originator, LSI Mortgage
I was just looking around on the site last night and I stumbled upon the charts as they are just great cheat sheets for my newbie loan officers! Thaks for putting these together for subscribers.
- Denise Panza
I’m so sorry I missed your call yesterday. I would have enjoyed talking with you.
I am already using and loving Mortgage Currentcy. I have been taking the Federal practice exam that all originators have to take and MUST pass by June 30. I have been able to find some of the answers to the questions on the test through it. It’s great!
Thank you for the time and effort you put in to help make me more successful in my profession. It’s a tough time to be an originator and tools such as Mortgage Currentcy help make it a lot easier for me to be “in the know” and the “go to” person for realtors to refer their clients to.
Thanks again and have an amazing day!
- Jennifer Blankenship
To everyone, You guys ROCK! Thank you so much. I've been telling others that they should get a subscription.
- Claudia Lynne GuLit
AllRegs® really is a drag, since I always have question ever after I've read it. With your publication, I get a better handle on the rules and how they affect my deals.
- Cynthia D.
Keeping up with all the rule changes is a full time job. It's great to have someone to doing it for me.
- Christopher D.
I've been a subscriber for a while and their "take" on the new regs are a "breath of fresh air". I share with my Realtor partners on a regular basis.
- Tammy Engel
You guys are awesome and worth every cent of my subscription!! Thank you!
- Leslie Lovett
Thank you so much. I love you guys!
You know, I found that in the guidelines on-line but your interpretation helped to verify what I was trying to do and now I can confidently tell the borrower how to qualify for a purchase.
- Graham Pruitt, Loan Officer, Acacia Federal Savings Banks
Your Ask The Experts service is awesome...it makes me look "smart" to my clients and agents.
- Tim Storm, Niche Lending
Your article from Mortgagecurrentcy in regards to condos was such a hit that I was written up in the local Real Estate paper.
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I want you to know that I get the most out of your publication than any of the others that I get.
Your work helps me look like I really know what is going on to my Realtors!!!
- Bobbi Miller, Stratis Financial
I have at one time or another subscribed to ALL of the paid originator sites, Mortgage Currentcy has been the most effective and helpful resources I have found in my 15 years in the business. Regardless of our cost cutting measures, MortgageCurrentcy is one subscription that I cannot afford to be without.
- Mike Mandis, Alliance Mortgage Funding, Inc.
You saved the day on one of our files. I am sure that I will be back in touch with you from time to time when the need arises. Just to make sure, I just renewed for a full year of Mortgage Currentcy! Thanks again!
- Richard Williams, Branch Manager, FBC Mortgage, LLC
I just joined your site and really enjoy the informative information. I rely on it to share with my group. Thanks again.
- Jim Brown, Sr. Underwriter/Team Lead, Key Bank
I purchased your VA IRRRL workbook and I can definitely say it was money well spent, you did a fantastic job with it.
- John Gullickson, Envision Lending Group
Anytime, I want answers about a loan program, I know I can count on you! My clients have been coming to me with USDA approvals and I feel a lot of buyers in my area will do better with this type of loan. I have found that their website is not user friendly (at least for me).
- Lorinda Ward, Loan Originator
Thanks so much for your quick answer—I have just acquired a new loan, thanks to you guys!!!
- Linda Coleman, Grandmark Mortgage
Your informative service is one of the best things I spend my money on. Thanks for doing such a GREAT job.
- Bobbi Miller, Stratis Financial
I really appreciate you guys, you are a tremendous help to us "small" specialty operations.
- Debra Patty, Fram Credit Services, Russellville, AR
Thanks Tracey, and I was able to let my clients and real estate agents know what's going on--you guys and gals are doing a terrific job over there. Thanks for all your hard work. Cordially,
- John Gullickson, Mortgage Consultant, Envision Lending Group, Inc.
As a subscriber to MortgageCurrentcy.com, I am able to access the most up-to-date information with just a click of the mouse. Believe me when I tell you that I have come to rely on this site for lots of research (since no loan is easy any longer). Your most recent Q&A issue had to do with parent's cosigning on a loan. This information, though seemingly obscure, in fact was very timely and worth printing! I just had such a transaction and I was very happy that I double checked your site...there was my answer! It saved my loan and my commission! My subscription has paid for itself many times over. Keep up the great work!
- Kim Payne, Loan Originator, California
Tracey - Just wanted to say Thank you sooo much. When I got the Townhome Covenants the shared party wall was covered in the Covenants. My underwriter cleared the condition and my closing is back on. Thanks again
for your help.
- Darly Helm, Loan Originator, The First Bank
Subscribing to mortgage currenty is definitely one of the best ways I spend my money.
- Bobbi Miller, Loan Originator, Stratis Financial
Thanks for answering my questions and the quick response…this site is awesome!
- Dean Wolfe, President, Integrity Mortgage Group
Thank you. I love your site and congratulate you on such an informative
publication. My underwriters are even taking subscriptions. Thanks for all
you do in this quickly changing time. Have a wonderful New Year!
- Tomi Beck, Branch Manager, First State Mortgage
Thanks for the response on the 203kquestion...your FHA handbook is a Godsend. Thanks!
- Caleb LeGrand, Evergreen Mortgage, Greenville, SC
I just recently signed up with MortgageCurrency.com. Thanks to you guys, I found what I was looking for and learned how to help this lady get another FHA loan. I am so glad I found you.
- Linda Coleman, Grandmark Mortgage, Houston, TX
One of the biggest reasons that I hesitated to subscribe was because I thought a monthly publication was not quite frequent enough in the current environment with changes coming so quickly and being so time sensitive.
Also, I love the ability to search within the site on keywords and like being able to quickly review the answers to questions from others.
- Devon Segal, Apex Home Loans, Bethesda, MD
I love your service. As a sales manager, it’s helps keep me up-to-date without having to read everything myself.
- Mike Baker, Sales Manager, Resource Lenders
We are a mortgage broker that is interested in originating FHA Secured loans. Thanks for your help and your article in the Niche Report. It helped to clear up some questions we had.
- Sincerely, American Mortgage Lenders Inc., Santa Maria, CA
Thank you for your help... That answer alone paid for the dues in my mind.
- Corey Reid, MetLife Home Loans
Thank you so much for this information! It has helped me put together a refinance
for a client that will save him more than $500 per month on his current mortgage payments!
You made my day! All the best,
- Lisa Moriello, United Mortgage Finance Group
Read your article in Broker mag! Nice work - congrats!
- Kevin Sandridge, Signature Home Funding
Dear Friends,
I know that you are as confused as we all are. I can not figure out from one
week to the next what rule book we are using.
I was trying to get information from as many sources as possible, then
trying to understand what it meant and did it apply to me.
I was most fortunate to meet this really smart and very helpful woman that
has an updating service for keeping us as current as possible on Government; as
well as Fannie Mae and Freddie Mac( or whatever they are after today). She
sends out a monthly newsletter and does a lot of Q and A. Which is very
difficult to get anybody on the phone or email that can give you a straight
answer. I purchased her FHA book and we call it the bible because it covers
everything and I can never find what I am looking for in Allregs. If I do I
do not understand it. It has been the best $197 I ever spent.
I have talked with several of my mortgage friends and we are all grasping
for the Fountain of Knowledge. This is as close as you can get. I am
attaching the home page of her web site.
I hope this helps you as much as it has me.
Vicki Williams, President, Anchor Mortgage Services, Montgomery, AL
P.S. She did not pay me to say this; I just knew how much it had helped our
office to be able to get straight answers quickly.
I just wanted to say how much I appreciate the information you provide on your website. Your articles are amazing and I read every one them word by word. At the times,When everybody has confusing interpretations of the new guidelines, you make them seem so simple and easy to understand. Great Job. ~
Ed Eissa, National Mortgage Associates
I subscribed! (and worth every penny!) Thanks!~
Dan Tenchall, Great Lakes Mortgage Funding
I received the FHA Lending, Originating Processing and Underwriting manual. Thank you so much, as it appears it will become my best-friend! ~
Janice Higginbotham, Bank Independent
Thank you! I love your website... I used all your material yesterday in a presentation. This is a great idea. I hope you have much success with it. You deserve it. ~
Cynthia Garza, Flagstar Bank
Your Mortgage Currentcy is a very helpful tool and I really appreciate the hard work you put into it. One of the things I particularly enjoy is the thoroughness by which you approach things. I am a former accountant and am big on knowing the rules so as to know how to best play by them, and your expertise really shows through in your work. Keep up the good work; it is really nice to have an information source such as yourself! ~
Caleb LeGrand, Evergreen Mortgage & Financial
I wanted to thank you for all of your wonderful information on MC. When I heard about the $7500 tax credit (interest-free loan), I informed my best friend of it. She and her husband are set to close on their first home Sept. 26, and no one had told them about it. Wouldn't you their realtor and loan officer would be telling all of their potential buyers/clients in the pipeline about it? ~
Mary Catherine Smith
I saved a deal my competitor turned down. Now that agent thinks I'm a miracle worker! ~
David Reed, CD REED Mortgage Bankers
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I really appreciate what you are doing. You take the legalese, break it down to the bottom line AND then give us an action plan to execute the info into action and deals. ~
Tim Davis, Titan Home Loans & Loan Officer Coach
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I was actually gonna write to you without being prompted. I am so impressed. Really. I think you provide exceptional value. I really liked the talking points I can mail to Realtors. Thank you. ~
Kelly Stapley, Mortgage Contracting, Salt Lake City, UT
Love your newsletter and website! I signed up for a 2 year membership (worth every penny!) Keep up the great work; you are providing a great service in a time when rumors and misinformation is rampant. Having the right information is key; especially in these crazy times.
Nadia Assaf, Fortes Financial, Honolulu, HI
I have to let you know that you explaining the Fannie & Freddie guidelines regarding the deprecation portion of the mileage deduction being allowed as part of the depreciation addback--that was actually a deal saver for me. ~
Caleb LeGrand, Evergreen Mortgage, Simpsonville, SC
She was willing to work her presentation around our needs as a bank and spoke directly to our most pressing issues. She was very personable and cared about our questions and needs even beyond her presentation. ~
Janet Gnam, Thunder Bank, Kansas
As the owner of a large mortgage company, I relied on The Mortgage Currentcy for years as most reliable source
for compliance issues and agency guidelines. I have subscribed to every resource available in the industry on such
content and found The Mortgage Currentcy to be the best. I use the arrival of each issue as the time in my
calendar to assess compliance and guideline concerns in my company. Additionally, my service staff enjoys reading
it and it has served as an invaluable training tool. Nothing else in the market compares!
Kelly L. McGuinness, United Mortgage Finance Group, Inc.
...I knew you were a class act simply from the articles you've written and the presentations I've attended. Authenticity shows through in places you least expect it.
David Bush, My Mortgage Community
Just a note to say thanks for all you do. I read Mortgage Currentcy religiously -
it is the BEST source for keeping up to date! Your contribution to our industry is enormous.
Mats Kinnison, CTX Mortgage
I really like your newsletter and find it very helpful and written in plain
English.
Jeannie Hammon, Inland Empire Bank
Thank you for the informative update on FHA guidelines. It's great to learn from
someone who knows the guidelines and knows what they are talking about!
Ginger Peel, Countrywide
Thank you. It really helped me to understand VA much better. I think you are an
excellent teacher!
Renee Watson, Norwest Mortgage
I wish I could think of some really clever, profound thing to say or way to express
my thoughts and feelings, but ALAS, I can't. Suffice it to say "You are the best". OUTSTANDING.
Super. Head and shoulders above the crown. In the common jargon of the teens of today, "awesome,
DUDE!". Now, I know you're still human, barely. But your output is in its own class.
Diana Eash, Salt Lake Mortgage
I am a member of MortgageCurrentcy and appreciate the knowledge/insight you provide.
Tim Prindle, MGM Funding
The processing and underwriting article and Jeff Lazerson's article are the two I
look forward to the most in MOM magazine. Although the rest are good, yours and Jeff's articles offer
things which further enhance the service I provide to clients and make me more knowledgeable - but in
my clients eyes I am really seen as a trusted advisor.
Michael Brunelli
Your knowledge is enviable and your presentation excellent.
Callean Laird
I feel so much more confident thanks to you. You do such an incredible job. On the
personal side of this business - it is people like you whom I have taken for granted through years
that have made this business such an extraordinarily wonderful business to be in. You have made my
life so much richer and I am grateful today for that.
Marc Johnson
Thanks so much for all your great information!
Vicki Willians, Anchor Mortgage
I too have been in the mortgage industry for over 30 years. I must say I really enjoyed your article on FHA originations. I just came from a seminar hosted by Fannie Mae and they encouraged everyone to utilize FHA, when the loan amount works.
The severe underwriting restrictions on their “Mini Jumbos” (over 417K – 729K ) and their new FICO adjustments lead me to believe they really don’t have a great appetite.
I too believe there is a lot of business out there that FHA can swallow and I truly believe their way to go.
Again, it was a great article...
Frank M. Howard, President/CEO
As a broker who’s trying to do it right I applaud your article. This time around I’m faced with inexperienced LO’s but more importantly lenders that have no idea what they are doing. I had a rep in my office that said, “we have special permission from HUD to take loan from non HUD approved lenders.” Unfortunately for the rep that was the line fed her at her corporate office. I just stood there and laughed.
Keep fighting the battle. Thanks ~
Mike Soldati, Fairfield, CA
I just memorized the newsletter and let me tell you girl friends if you are not a subscriber to Mortgage Currency you are going to be in for a long year or two!!! ~
Denise Phillipi, Peoples Bank, KS
I love your book. It is so helpful. I do not know how I lived without it. ~
Lori Harris
I read your article in Broker Universe. I love the way you explain everything in laymen's terms so all can understand. ~
Audrey Acquisti, CRMS, MSource Finanical & 2008 Michigan Mortgage Brokers President.
I love your newsletter. ~
Lonnie Hansen, RMIC Underwriter
I think the service that you are providing is invaluable considering current market conditions and the ever-changing landscape in which we are operating. Keep up the good work! ~
Kurt Endres, IndyMac Bank
Just read your newsletter and you seem to be right on content that is pertinent to today’s market. ~
Bob Sullivan
