Simple And Smart Home Loan Path

loans for home mortgagesMONEY is just a commodity.  Why does it occupy so much of your attention?

Ironically, that elusive, “gotta-have-it-to-make-me-happy” ingredient of life is available everywhere!   Getting your hands on it and making it do the things to change your life is the tricky part.  It all starts in your head!

If you’re thinking “money CAN’T buy happiness” you’re right.  Or are you?  Although I’ve never seen happiness in a box or at a half-off sale, I believe just by having some of it to spare you CAN attract happiness into your life.  Happiness in the form of “less stress” allows you to think and act differently.  With extra money and knowing how to use it wisely you invite happiness in the form stress minimization into your everyday life.  So technically, money can’t buy happiness, but just having some, can facilitate it!

I’m R.E. Kennedy.  I feel your frustration.  I rode the horse you’re on for years until I uncovered some secrets that changed my life and hopefully might change yours too.  Until this past four year recession-fiasco, money was plentiful and life was great.  If you’re not having any “luck” with money right now, it may be because you’re allowing yourself to harbor negativity, and in that, you’re not alone.  Right now the media’s regurgitating a continual replay loop about unemployment, government debt, homes being sold-short, foreclosed or under water, and none of that is good news at all.  So when you read my “PLAN” you may suspect that I’m NUTS!  I get that.  Maybe I am, but it’s working for me.

Not enough of us are able to hop onto the smart money track to wealth multiplication and prosperity while a temporary window of opportunity remains open.  Sorry, there is no exclusive right to own it or ride it…but I’ve been able to identify, describe and predict it.  If you DON’T consider my plan from YOUR own perspective I can guarantee that it will not improve your future.

Stay with me here.  Read on:

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Mortgage Bankers vs Mortgage Brokers

Mortgage Brokers and BankersThe differences in dealing with the Big Bank (as in too big to fail) mortgage operations, Mortgage Bankers and Mortgage Brokers each have their own advantages and disadvantages.  While the Big Bank mortgage operations enjoy the economies of scale in boosting their output, their bigness creates their biggest obstacle to delivering product in a timely manner.

As a result it is not uncommon for them to be slowest, because their methods are not unlike Henry Ford when he was pioneering mass production.  If I were to choose an animal to describe their nimbleness, I think an elephant would be the correct choice.  While they have an almost infinite source of funding capacity, any economies of scale are lost to their inability to detail the individuality of the files they process which increases cost and time loss.

Like Henry Ford, they believe that they can originate loans more cheaply by having unskilled or semi-skilled workers doing repetitious duties in promoting a file from step “A” to step “B” and so on.  Henry Ford proved that he could produce more cars at less cost by using unskilled and semi-skilled workers than other manufacturers employing expensive, highly skilled workers.  Originating loans is nothing like building a car. Continue reading

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