Well, we've reached it... September is nearly here, and we find ourselves finally drenched with the rain we have been begging to receive for more than a year now. Of course - now that the Chain of Lakes canals are back to a near navigable state - the rain-rain-go-away singers are warming up their pipes. Guess there's really not pleasing some folks. From a just-past-midyear standpoint, there are some interesting tidbits to look at as one peruses through the University of Central Florida's latest Florida & Metro Forecast 2008-2038. The study represents a comprehensive, quarterly forecast of the Florida economy and 12 metropolitan areas, including: Pensacola, Tallahassee, Jacksonville, Gainesville, Ocala, Deltona-Daytona Beach, Tampa-St. Petersburg, Lakeland, Orlando-Kissimmee, Palm Bay-Melbourne, Naples-Marco Island, and Miami-Fort Lauderdale. On the housing and related economy front - a few things of note include:
Information specific to my immediate neck of the woods (Lakeland/Polk County Area) presents as follows:
Do these numbers look great? No. But we need to remember that markets run in cycles. Some are longer than others, but cycles they are nonetheless. Keep blogging. Keep connecting. Keep building those networks. If you do, you're sure to be poised for great things both now, and into the future!
Ok folks, here it is... the inaugural podcast for the Florida Mortgage Blogger website. I had the pleasure of speaking with Mr. John Lamberg, Florida Area Manager for the Nehemiah Corporation. John provided a wealth of information on how DPAs work, how Realtors and Loan Originators can use them to increase profits now, and added in some thoughts about how we can all make sure these programs stick around for the long haul! If you're at all interested in Downpayment Assistance Programs and their proven ability to positively impact your bottom line, you MUST listen to the SplashCast show provided below.
Be sure to stay with the recording through the very end to find out exactly how YOU can post your own suggestions as to what you'd like to hear on future podcasts! Remember, I'm here to service your needs. The "Golden Rule" is great - but I practice the "PLATINUM RULE!," which is:
And remember to comment here so that I might know how this first effort came across! Enjoy...
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I'm a Mortgage Professional serving customers looking for Florida Home Loans and advice about the mortgage industry. I love networking and am always looking to build new Realtor relationships!
I'm a Winter Haven, Florida Mortgage Professional serving customers looking for Florida Home Loans and advice about the mortgage industry. I love networking and am always looking to build new Florida Realtor relationships!
I started in the Mortgage Industry two years ago, just before the housing market started its downturn. I remain active in this business because I take the time to really listen to the my clients' needs and provide solutions that fit their individual situations.
My job as a Florida home loans specialist is to help my clients locate financing that meets their unique requirements. I'm an educator at heart and consider myself a student of the quickly changing Florida home loans landscape. What's more - I love sharing what I learn with my clients! No one client is the same - and if there's one thing that happens steadily in this business - it's change.
A Promise to My Realtor Partners
When we work together you can expect each client's Florida home buying experience to elevate to a new level. You’ll hear them express gratitude and tell their friends and family about you - laying the groundwork for future referrals.
Additionally, we’ll define a clear marketing strategy based on collaborative efforts, enabling you to build your Florida real estate business based on relationships and become immune to existing market conditions. Over a period of time, you’ll realize higher sales, higher profit margins and less work.
Working together should be fun! Too often, the home finance process becomes hectic and stressful. My job as your partner is to alleviate client anxiety and help each family feel confident, well-informed, and comfortable.
I love to laugh and find that my good sense of humor really helps to ease the minds of worried home buyers. I am passionate about serving client needs, but I don’t take myself too seriously.
I believe in life balance. There’s more to life than just my work. Weekends are spent with my family, and although I’m occasionally available and can return calls, I maintain a schedule that balances my lifestyle.
My job is to make you, my partner ( the real estate agent) look good in the eyes of our clients. It’s also the job of the real estate agent to make the lender look good, too!
In today’s competitive marketplace, you cannot afford even the smallest margin of error. Lapses in service, especially from your affiliates (i.e. loan officers, inspectors, title & escrow agents, etc.) cost you dearly.
As your preferred mortgage lender, my job goes beyond delivering red carpet service to clients. It includes helping you build client loyalty so you benefit from a lifetime of referrals, increase lead generation in affordable ways, and enjoy the lifestyle you deserve.
As a Florida Home Loans Specialist, I work primarily with FHA and VA loan programs, as conventional products simply cannot match their flexible guidelines and affordability levels for both purchase and refinancing solutions.
This being said, I am a fully licensed mortgage broker and have access to a comprehensive list of products including:
Professional Affiliations
I believe that the level of service I provide is best described by those I serve - my customers, Real Estate partners, and mortgage industry colleagues. Here's what some of them have to say:
"Hey all. This is Leslie Petersen, and I just have to tell you a few things about Kevin Sandridge. Kevin is a one-of-a-kind mortgage broker who actually provides his clients with whatever is in the client's best interest, and he does the homework to make this happen.
It's funny, because I've never before recommended anyone with less than 5 years experience. Mortgages are complicated, and it takes a lot of work to understand the core business, let alone keep up on what's going on. Also, there's tons of misinformation out there.
(1) He cares enough about his clients to find out what their real needs are before he places them into a home loan that is not quite right for them; and
(2) Kevin works hard to stay informed. Heck, he keeps himself educated - which isn't at all easy. If he didn't, his clients would suffer and end up paying higher rates and more money in the end. Also, by knowing what's going on, he is able to make Florida home loans that other mortgage brokers don't even know how to do.
(3) He has boundless energy to do whatever is right for his clients. If I had family looking for a Florida home loan, I'd send them to Kevin. And that's the highest compliment that I could pay any mortgage professional."
Leslie Petersen, Mortgage Guidelines Expert
www.mortgagecurrentcy.com
Mortgage Educator | Mortgage Speaker
30+ year Mortgage Professional with Current Broker License in Utah
Author of numerous books and sought after author for trade magazines
Comment on my August 14, 2008 Downpayment Assistance Call with John Lamberg, Florida Area Manager with the Nehemiah Corporation
"Kevin's conference call was great; very clear, informative, and a very practical way to achieve our goal of gathering the knowledge we needed about the possible demise of DPAs.
ActiveRain Corp. is not responsible for the accuracy of the site's content (which is written by members of the ActiveRain Real Estate Network) and does not endorse the views of the real estate agents, mortgage brokers, and others listed here.
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