Ann Sabbagh

"Class is an aura of confidence that is being sure without being cocky. Class has nothing to do with money. Class never runs scared. It is self-discipline and self-knowledge. It's the sure footedness that comes with having proved you can meet life." Ann Landers, born 1918

How TRUE this is! Class has nothing to do with money. It is knowing yourself and showing the world you have proved yourself by your accomplishments and grace you exhibit.

Thank you Ann Landers for saying it so simply!

Ann Sabbagh

Vice-President

Seacoast Mortgage

508-243-1190

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

"Yes, there are times when something is legitimately not our fault. Blaming others, however, keeps us in a stuck state and is ultimately rough on our own self-esteem." Eric Allenbaugh - Author of "Wake-Up Calls"

So, when was the last time you said: It was the loan officer's fault!" OR "It was the agent's fault!" OR "That darn appraiser ruined the transaction for everyone!" .

When a transaction goes south, we should all realize not every transaction can be a grand slam. There are houses that will not appraise or will have appraisal issues, like repairs required. There may be a client that loses their job days before a closing, or buys that new car before a closing, thus ruining their approval.

By all working together in this industry, we can make it better for all of us and for the consumer. Especially for the consumer, because they are the ones who are truly our "boss".

So, let's all work TOGETHER!

Have a GREAT day!

Ann M. Sabbagh

Vice-President

Seacoast Mortgage Corporation

"Where financing is smooth sailing!"

Residnetial & Commerical Financing

(508) 243-1190

(401 475-1441 (fax)

email: asabbagh@seacoastmortgage.com

website:www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength!"

Remember the Nehemiah loan? It was the grant loan which FHA allowed. We were able to add the down payment to the sale price, which ultimately was added to the loan amount. For example, a $200,000 purchase would sell at $206,185. The extra $6185 was the 3% down payment which was required by FHA.

Nehemiah was terminated since it was discovered these loans had a higher incidence of foreclosures.

Ok. So now we have the $8000 tax credit, which many borrowers are using to pay back gifts from relatives that were used as a down payment or to pay back borrowed 401k funds. Ultimately, it is a Nehemiah look-a-like, but this time the taxpayer is paying and not the borrower. So, these loans risk their own level of foreclosure! Will we be hearing of the "$8000 tax credit effect on foreclosures"?

What do YOU think?

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

"Circumstances may cause interruptions and delays, but never lose sight of your goal. Prepare yourself in every way you can by increasing your knowledge and adding to your experience so that you can make the most of opportunity when it occurs." Mario Andretti Auto Racer

So, TRUE, Mario! The more education a real estate agent can grasp, i.e. learning about the internet and how to syndicate listings, the better the agent will be for the consumer. The more a loan officer educates themselves about loan products and learns about affordability and not just qualification, the better the loan officer will be for the consumer. The list goes on!

Bottom line: Knowledge is POWER!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

"Write in your heart that every day is the best day of the year." Ralph Waldo Emerson (1803-1882).

Yes, times are difficult in the real estate industry. But a POSITIVE attitude and knowing that every day is a blessing and will be the BEST day of the year will make life happen for you and for others, since a positive attitude is contagious!

Try it!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

LICENSED LENDER AND BROKER

Residential AND Commercial loans

508-243-1190

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR future!"