On Demand Video

Approving Rental Applications

 

 

 

 

 On Demand Video – Click on Video To Play

Approving Process Rental Applications Part 2
16 minutes

 

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On Demand Video

Giving Your Tenant A Project Can Be A Very Good Thing

On Demand Video

How to Screen Tenants from A to Z 

 

 

 

ODV On Demand Video

How to Increase Cash Flow

 

 

 

 Real Estate Website Basics

 

 

 

NEW Resource Makes Your Life Easier – Both Business and Personal and Best of All, IT IS FREE!

You have got to check out this great resource. I use it in my business and personal stuff.

Click on this link to get yours today for free!

http://bit.ly/MakeItEasyForMe

Fire back and let me know…

I’m making a short video to show you exactly how we use this in our business.

Dan, my lead maintenance guy, discovered this and turned it on. I did not have a clue about it or how it worked. Yes, i had heard of it, but did  not understand it. Odds are, you are probably the same..

http://bit.ly/MakeItEasyForMe

 This just in:

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Summary – FHA Guidance on Minimum Credit Scores and LTV Requirement

 
In accordance with the final Federal Register Notice [FR-5404-N-02] on minimum decision credit scores and LTV ratios for FHA-insured single family mortgages, the new requirements are 
Borrowers with a minimum decision credit score at or above 580 are eligible for maximum financing. 
 
Borrowers with a minimum decision credit score between 500 and 579 are limited to 90 percent LTV. 
 
Borrowers with a minimum decision credit score of less than 500 are not eligible for FHA-insured mortgage financing. 
 
Borrowers with a non-traditional credit history or insufficient credit are eligible for maximum financing but must meet the underwriting guidance in HUD 4155.1 4.C.3. 
 
Borrowers using 203(h), Mortgage Insurance for Disaster Victims, are eligible for 100 percent financing and no downpayment is required, provided that the borrowers have a minimum credit score of 500 (borrowers with decision credit scores below 500 are not eligible for FHA financing). 
 
These new requirements are applicable to all Single Family programs except Title I, Home Equity Conversion Mortgages; HOPE for Homeowners; Section 247; Section 248; Section 223(e) and Section 238. 

My CPA emailed me this morning

Obama Administration Announces Panelists and Agenda for Conference on the Future of Housing Finance

WASHINGTON – Today, the Obama Administration announced additional details about its August 17 Conference on the Future of Housing Finance, including a list of panelists and the conference agenda. This event will provide a forum for public input as the Administration continues its work developing a comprehensive housing finance reform proposal for delivery to Congress by January 2011.

“Across the spectrum, stakeholders agree that our current system of housing finance requires fundamental reform,” said Jeffrey A. Goldstein, Under Secretary of the Treasury for Domestic Finance.  “This conference is an opportunity for us to broaden our perspectives on a number of key issues in a transparent way to make certain that all of the best ideas are on the table.”

“This conference is an opportunity to engage stakeholders and experts with broad knowledge and many perspectives,” said Dr. Raphael Bostic, HUD Assistant Secretary for Policy Development and Research.  “It is part of our larger effort to make sure that we have a deep and wide understanding of these issues as we chart a thoughtful, sound path forward in reforming our housing finance system.”

During the conference, Treasury Secretary Tim Geithner and HUD Secretary Shaun Donovan will moderate panel discussions with a diverse group of experts about the critical issues surrounding housing finance reform. These panelists represent a cross-section of stakeholder groups with interests in the outcome of this reform process, including citizen advocacy groups, economists, investors, market researchers, originators, securitizers, servicers, and private mortgage insurers. The following individuals will be panelists at the August 17 conference:

 

·         Barbara J. Desoer, President of Bank of America Home Loans

·         Ingrid Gould Ellen, Professor of Urban Planning and Public Policy at New York University’s Wagner Graduate School of Public Service and Co-Director of the Furman Center for Real Estate and Urban Policy

·         Bill Gross, Co-founder and Co-chief Investment Officer of PIMCO

·         Mike Heid, Co-president of Wells Fargo Home Mortgage

·         S.A. Ibrahim, Chief Executive Officer of Radian Group Inc.

·         Marc H. Morial, President and Chief Executive Officer of the National Urban League

·         Alex Pollock, Resident Fellow at the American Enterprise Institute

·         Lewis Ranieri, Chairman of Ranieri and Company, Inc.

·         Ellen Seidman, Ellen Seidman, Executive Vice President for Mission and Strategy, at ShoreBank Corporation, and Chair of the Board of Directors at the Center for Financial Services Innovation

·         Michael A. Stegman, Director of Policy and Housing for the Program on Human and Community Development of the John D. and Catherine T. MacArthur Foundation

·         Susan Wachter, Richard B. Worley Professor of Financial Management, Professor of Real Estate, Finance and City and Regional Planning at the University of Pennsylvania’s Wharton School

·         Mark Zandi, Chief Economist of Moody’s Analytics

 

Details regarding the event, including topics for panel discussions and breakout sessions, and logistics for members of the media seeking to attend the conference, appear below.

Media Logistics:

WHAT:           Conference on the Future of Housing Finance

WHEN:          Tuesday August 17, 2010 
                        9:00 a.m. – 1:30 p.m. EDT

WHERE:        Cash Room 
U.S. Treasury Department 
1500 Pennsylvania Ave., NW 
Washington, D.C. 20220 
The event will also be streamed live on 
www.treasury.gov.

 

9:00 AM EDT  
Treasury Secretary Tim Geithner
Opening Remarks
Cash Room 
U.S. Treasury Department 
1500 Pennsylvania Ave., NW 
Washington, D.C.

Coverage: Open Press

 

 

9:15 AM EDT 
HUD Secretary Shaun Donovan
Delivers Remarks
Cash Room 
U.S. Treasury Department 
1500 Pennsylvania Ave., NW 
Washington, D.C. 
Coverage: Open Press

 

9:30 AM EDT
PANEL DISCUSSION ONE – Housing Finance Reform and Broader Financial Markets
Moderated by Treasury Secretary Tim Geithner
Cash Room 
U.S. Treasury Department 
1500 Pennsylvania Ave., NW 
Washington, D.C. 
Coverage: Open Press

 

10:30 AM EDT
PANEL DISCUSSION TWO – Housing Finance Reform and Broader Housing Policy Goals 
Moderated by HUD Secretary Shaun Donovan
Cash Room 
U.S. Treasury Department 
1500 Pennsylvania Ave., NW 
Washington, D.C. 
Coverage: Open Press

 

11:45 PM EDT 
WORKING BREAKOUT LUNCHES 
Hosted by Senior White House, HUD, and Treasury Officials 

Breakout Session Topics: 
Breakout Session One:  Key Players in a Reformed System: Role of the Private Sector and of Government
Breakout Session Two:  Delivering Access and Affordability
Breakout Session Three:  Funding Housing and the Role of Securitization
Breakout Session Four:  Aligning Private Market Incentives in the Housing Finance Chain
Breakout Session Five:  Supporting Capital for Multifamily Finance
Breakout Session Six:  Managing the Process of Transition

Coverage:  Open to correspondents only. No recording devices for broadcast purposes will be allowed. Space is extremely limited and will be allocated on a first-come, first-served basis. Interested reporters should gather at 11:35 AM at the Cash Room press riser for escort.

1:15 PM EDT 
CLOSING REMARKS

Media Notes: 
Conference panels and official remarks are all open to press; working breakout lunches are open to correspondents only. Space is limited and is first come, first serve. The event will also be streamed live on 
www.treasury.gov.

Media without Treasury press credentials planning to attend must contact Frances Anderson in Treasury’s Office of Public Affairs at (202) 622-2960 with the following information: full name, Social Security number, date of birth, and country of citizenship.  This information may also be emailed to frances.anderson@do.treas.gov.  Congressional and White House press passes will not grant you access to Treasury. Please note if you have camera equipment. The deadline to RSVP is Monday, August 16, 2010 at 12:00 PM EST.

Press with camera equipment should arrive at the Moat Entrance (south side of the Treasury building, adjacent to the Hamilton entrance) no later than 7:00 a.m. to allow time for equipment sweeps and escorts to the Cash Room. No vehicles will be permitted onto Treasury grounds; equipment must be carried in. All other media can enter the Treasury building through the Pennsylvania Avenue entrance and should allow 45 minutes to clear through security. Final access to the Cash Room will be 8:45 a.m.

###

 


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U.S. Department of the Treasury · 1500 Pennsylvania Ave, NW, Washington, D.C. 20220 · (202) 622-2000

This is unbelievable. I had to hit the rewind thing on my TV to do a double take. Check this out.

I saw a commercial last night where folks can use their cell phone to take a photo of a check and deposit it into their bank account.

Next, using your cell phone again, you can take a photo of a check you just wrote or printed to pay a bill and click something on your phone and pay the bill… wow!  Let me repeat, use your cell phone, take a photo of your check, and your cell phone allows you to pay your bill with a photo of your check.

I do not understand the details; however, this is a huge wake up call about where and how technology will be become a very big part of making your business more automated and efficient.

I am very much behind the times, especially when it comes to "online banking." Having been told for years you can use online banking to pay bills, write checks, etc. and your bank will do it for free including printing the check, envelope and postage. This seemed too good to be true until I began receiving payments in the mail from folks using this very same method.

Postage ain’t cheap. This got my attention, and we are gradually working toward utilizing these free resources for our business.

If it seems a little far fetched at the moment, as far as the cell phone camera taking pictures of checks…. just think back a bit, 8 track tapes, fax machines, email, internet, cell phones, blue tooth,.. you get the point… keep your eyes and ears open and always have a sponge-like attitude toward education. Absorb it all. 

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