Providence, RI

Hello again,

I am posting this blog today because of two pieces of valuable information I wanted to pass on to you. Firstly, as you are well aware, the mortgage lending world has consisted of mortgage brokers and mortgage lenders for over three decades. Both formats have served the real estate community with distinction. Unfortunately, dramatic changes throughout the mortgage delivery system have severely handicapped the ability of the mortgage broker to execute in a competitive manner. In January of 2010, the restrictions on broker activities will be extended even further. Simply put, mortgage brokers will not be able to effectively deliver in the home purchase market.

Secondly, as a mortgage professional I saw this coming and made the decision to move from a mortgage broker platform to a lender platform in August when I joined Shamrock Financial Corporation. Shamrock foresaw the competitive limitations of being a mortgage broker years ago and transitioned to lender in 2001. The company has been around since 1989, employs 50+ professionals in our new Rumford location. We have direct, in-house FHA/VA/USDA underwriting, processing and closing.

Let me introduce you to some key players on your team:

· Rod Correia: President. Rod leads Shamrock’s day to day operations. He has the skills and authority to move your clients from contract to closing in days instead of weeks.

· Greg Cambio: VP of Underwriting Operations. Greg is one of New England’s most acclaimed and productive underwriters. His 30+ years of underwriting experience and countless designations make him a key person in getting your clients approved and closed.

· Kristen Shapazian: Team Leader. Kristen pre-underwrites your client’s loans and ensures we all are on the same page with information as it becomes available on specific files. She eliminates surprises.

· Shalimar Albanese: Purchase Coordinator. Shalimar is the driving force behind the coordination and marketing of our cooperative efforts with real estate agents. She makes certain we are at the forefront of capturing potential buyers and sellers here in New England. This helps us grow your business, not just close your next deal.

I’m pumped up about the tools Shamrock gives us both as professionals in this ever changing market. I am confident with the support I have in place that there is no better place to help your clients find their way home.

Shamrock Financial “A better life, through a better mortgage”

The performance had many different ensembles being spotlighted
to the left of the stage, to the right of the stage, beneath the stage and on stage. The audience never knew where the light would shine and what instrument or chorus members would performing.

There were the Concerto for Seven trumpets, the suite for two Pianos, "Lush Life by the 4 saxaphones, the Guitar Ensemble, Brass Ensemble, Clarinet Quartet, Concert Jazz Band. There were some humorous songs "Chili Con Carne", In the Still of the Night, the Chicken and others.

We enjoyed all the many unique costumes, but there was an unexpected "Fabulous Surprise" when we met past clients of ours that purchased a house in Lincoln in the late seventies, Rita and Frank St Pierre.

They told us the house was totally changed so much we would never recognize it. They invited us to stop by. We talked about our children who now had their own children. It completed the night. What a fun night!

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Copyright photo by Kathleen Ann Pacheco-Corbett, all rights reserved and may not be reproduced without the written permission of Kathleen Ann Pacheco-Corbett, The Buyer's Choice, Lincoln, RI. Permission granted with a link back to my website and/or blog providing site is appropriate for all ages.

Thank you. We want to be your "Personal Realtors for Life"

http://www.thebuyerschoice.com

KATHLEEN ANN PACHECO-CORBETT

Office 401-725-5608 Cell 401-556-6911 Fax 401-423-4377

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POSTINGS FOR October 2009

10/31/2009 SINCE 2004 the Halloween costumes tradition begins

10/29/2009 Days are shorter. nights are longer and cooler

10/29/2009 All Hallows Even

10/28/2009 Re-blogged: Should your life stop just because you're buying a home? In short... YES! (original)

10/26/2009 FREE grilled chicken offer is available all day Monday 10-26-09

10/23/2009 Boo Bash and other RI Halloween free events

10/23/2009 Friday Foto - Who is in this vintage photo?

10/17/2009 SPEECHLESS SUNDAY - Halloween for all ages

10/01/2009 Friday Foto - What am I?

POSTINGS FOR September 2009

09/12/2009 We can't cry hard enough

09/06/2009 SPEECHLESS SUNDAY - 9-6-09 North Providence Salvatore Mancini Union Library

09/04/2009 Friday Foto - What is my job?

9/04/09 Re-blogged: $8,000 Tax Credit October 16th Safe Deadline for Financing (original)

POSTINGS FOR August 2009

08/26/09 Wordless Wednesday - OAK BLUFFS FUN 7-14-09

08/23/09 SPEECHLESS SUNDAY 8-1-76 Five Years Old - the past and present

08/22/09 SPEECHLESS SUNDAY -Brotherly Love

08/21/09 Friday Foto - What am I? Where am I?

08/21/09 Friday Foto - What am I? and Where am I?

08/18/09 Emotional Roller Coaster - PLEASE GET ME OFF

08/14/09 Friday Foto - What am I?

08/13/09 NATURE and MARKETING CONTEST - RAIN is our buddy

08/09/09 SPEECHLESS SUNDAY -Gingerbread Cottage

08/09/09 SPEECHLESS SUNDAY - OAK BLUFFS leaving campgrounds looking at Pier

08/07/09 Friday Foto - What am I? and Where am I?

08/06/09 Another Achievment, another Milestone with Active Rain

08/04/09 My Childhood home in East Providence, RI 02914

08/04/09 Comment left on my Viral Request blog results in action action action

08/04/09 A week going by SADLY

08/02/09 Speechless Sunday August 2, 2009-Lion for August -Leo

Boo Bash
Saturday, October 31, 2009
Providence Children's Museum
100 SOUTH STREET, PROVIDENCE, RI 02903 | (401) 273-5437
1:00 PM - 4:00 PM
Ages 3 - 11
A tiny bit spooky, a whole lot of fun! Play bewitching games galore, have hands-on fun
with imaginative arts and "witch crafts," explore an eerie environment, mix it up in the
mad scientist's laboratory and much more. Come in costume and have a blast at the
biggest Halloween bash around!

The Annual Halloween College Concert
Rhode Island College
Friday, October 30, 2009
8:00pm

General Admission: $7.00 General Admission, Free If In Costume

Department of Music, Theatre, and Dance
Where: The Auditorium in Roberts Hall

The Annual Halloween College Concert held on Oct. 30 offers performances from a variety of RIC ensembles. Performers appear in costume and the audience is also encouraged to dress in the spirit of Halloween.

Halloween Costumes and Activities
Tuesday, October 27, 2009
RISD Museum
224 Benefit Street, Providence, RI
11am - 4pm
Free And Open To The Public.

Children are encouraged to come dressed in costume to this day of art making with a Halloween twist. Discover sculptures of all times and places in the galleries guided by a mysterious winged Viking god from the past. In workshops make special Egyptian-inspired protective amulets or imaginative creatures from wire. At 3pm, the RISD Auditorium is the scene for a special marionette performance of "The Legend of Sleepy Hollow" by New York's award-winning company "The Puppet People."

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Copyright photo by Kathleen Ann Pacheco-Corbett, all rights reserved and may not be reproduced without the written permission of Kathleen Ann Pacheco-Corbett, The Buyer's Choice, Lincoln, RI. Permission granted with a link back to my website and/or blog providing site is appropriate for all ages.

Thank you. We want to be your "Personal Realtors for Life"

http://www.thebuyerschoice.com

KATHLEEN ANN PACHECO-CORBETT

Office 401-725-5608 Cell 401-556-6911 Fax 401-423-4377

******************

POSTINGS FOR October 2009

10/17/2009 SPEECHLESS SUNDAY - Halloween for all ages

10/01/2009 Friday Foto - What am I?

POSTINGS FOR September 2009

09/12/2009 We can't cry hard enough

09/06/2009 SPEECHLESS SUNDAY - 9-6-09 North Providence Salvatore Mancini Union Library

09/04/2009 Friday Foto - What is my job?

9/04/09 Re-blogged: $8,000 Tax Credit October 16th Safe Deadline for Financing (original)

POSTINGS FOR August 2009

08/26/09 Wordless Wednesday - OAK BLUFFS FUN 7-14-09

08/23/09 SPEECHLESS SUNDAY 8-1-76 Five Years Old - the past and present

08/22/09 SPEECHLESS SUNDAY -Brotherly Love

08/21/09 Friday Foto - What am I? Where am I?

08/21/09 Friday Foto - What am I? and Where am I?

08/18/09 Emotional Roller Coaster - PLEASE GET ME OFF

08/14/09 Friday Foto - What am I?

08/13/09 NATURE and MARKETING CONTEST - RAIN is our buddy

08/09/09 SPEECHLESS SUNDAY -Gingerbread Cottage

08/09/09 SPEECHLESS SUNDAY - OAK BLUFFS leaving campgrounds looking at Pier

08/07/09 Friday Foto - What am I? and Where am I?

08/06/09 Another Achievment, another Milestone with Active Rain

08/04/09 My Childhood home in East Providence, RI 02914

08/04/09 Comment left on my Viral Request blog results in action action action

08/04/09 A week going by SADLY

08/02/09 Speechless Sunday August 2, 2009-Lion for August -Leo

To those of us who consider Providence the best thing to happen since sliced bread, it can come as a bit of a blow to the ego when one's response to "where do you live?" is met with puzzled looks and reactions such as "Huh? Where? Is that near New York or Miami? Rhode Island is a STATE?"

Those are just the sort of responses George, Gia and I had to respond to during our travels through Cyprus, one of the Mediterranean's largest islands and European who's-who hotspot. Our somewhat impractical goal: to show the rest of the world why Providence is the best place on earth, and that everyone would be wise to invest there, right now. Our back-up plan: to show the rest of the world how close Providence is to New York and Boston, and that, therefore, everyone should invest there, right now.

I am proud to report that our approach landed somewhere in the middle of the two plans. If one spends enough time with us, our passion for our city tends to have an irresistibly contagious effect. This is quite beneficial, in circumstances such as mine, when the only way I could effectively communicate in a foreign language I only knew about 5 words of, was through enthusiastic gestures and big smiles. George and Gia were, thankfully, able to communicate our ideas in a much more sophisticated manner.

The best part about our plan was that Providence, in its small glory, legitimately presently presents itself as both an affordable, culturally rich urban mecca, and as one of the United State's best investor dark horse hotspots in our current opportunistic market.

International economists know that the resurrection of the market will begin in the United States, in cities like ours. To those with the financial stability to wait patiently for the eventual re-growth of our economy, their investments will be well rewarded. Here at Geo, our commitment to exposing the potential of our little city to the world goes on, and we will continue to spread the word about the current opportunities that exist here. And, in an effort to contribute more than my two cents in via clumsy broken sentences in a foreign tongue, I am also committed to refreshing my overseas language skills.

~Rita

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330 Roberts Street 4^th Floor

East Hartford, CT 06108