From the category archives:

Events

let’s talk vehicle titles…..

by Diane Cipa on August 16, 2008

lets-talk-vehicle-titles

Yea, I know. I’m not in the car business, BUT, as a title agent I do have to work with and around mobile home titles and let’s face it, a mobile home title IS a vehicle title. So, with that in mind let me say this - loudly and clearly….

IF YOU ARE INVOLVED IN THE TRANSFER OF REAL ESTATE ON WHICH THERE SITS A MOBILE HOME OR DOUBLE-WIDE OR MANUFACTURED HOME - WHATEVER YOU WANT TO CALL IT, DO EVERYBODY A FAVOR AND FIND THE TITLE ASAP.

[FYI - This applies to refinancing, too.]

Okay, glad I got that one off my chest. LOL

Listen up, if the seller does not have the original - not a copy - mobile home title in their possession, you need lots of time to resolve your situation. It’s not gonna happen quickly and so you don’t want to be two days before closing and have your title agent ask you for the mobile home title and you say HUH? What title? This is especially serious when the buyer is getting a mortgage because the mortgage lender won’t close without controlling the destiny of the mobile home title.

These are the most common situations:

  1. Seller borrowed money using the mobile home as collateral, so just like a car loan, the lender has the original title in their file. They will not give it to anyone until they have been paid in full. This is especially tough if the new mortgage lender wants the title surrendered before you close. [I know that sounds hideously impossible because it is.]
  2. Seller lost the mobile home title. In this case, the seller must apply to the state department of motor vehicles for a duplicate title.
  3. Seller never got a mobile home title when they purchased the home. This one is tough. In PA, you can give the department of motor vehicles as much history as possible and wait while they research the title. If they can locate the records, they will issue a duplicate of the existing title -which is in the name of whoever sold it to your seller. You seller then has to go find those people and get them to transfer the title to the seller so the seller can transfer the title to the new buyer. Got it? Hope you can find the previous owner and they are nice.
  4. The property has gone through foreclosure and the lender just never thought about the mobile home title. The foreclosure attorney can go back to the judge and ask for a court order cancelling the mobile home title. This court order is just as good as evidence that the title was surrendered.

Speaking of title surrender, in most mortgage transactions, that’s the ultimate goal of the mortgage lender. They want you to produce evidence of surrender. Most people do not have it and so then you must find the mobile home title SO you can then surrender it.

Here’s some advice for everybody. If you have in your possession evidence that a mobile home was surrendered, record it as an exhibit with the deed. Get it on record, PLEASE, because you know that piece of paper will fall into someone’s black hole and then the entire process will have to be repeated in the next transfer.

There’s alot more we could chat about on the subject of mobile home titles, but if I can get just that one message out there - please start working on it as soon as you can. Any fix will take time and time makes people nervous and time is rate risk and, well you know, time is just one thing most folks aren’t prepared for.

Take care, be diligent and have patience. ;)

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Less Than Two Weeks Left To Save $100 on REBlogWorld

by Todd Carpenter on August 12, 2008

less-than-two-weeks-left-to-save-100-on-reblogworld

I just received an email from a major mortgage industry rag wanting me to consider spending up to $750 on the same old tired marketing strategeries from the same old people that have been selling them for years. $750 for emails, CD’s, and recycled disappointments.

Are you ready to try something new?

Are you ready to grow your own leads on the Internet?

Ready to make real world referral connections with real estate agents and local sources using web tools that actually work, and are practically free?

On August 22, REBlogWorld discount pricing will end. At $450, it’s still a great deal. Three days of immersive web 2.0 marketing seminars combined with three nights in Sin City is well worth the price. But if you want to save $100, now’s the time to act.

REBlogWorld is just $350 for three days of content. But you have to act before August 22nd.

Plus, flights are still pretty cheap across the country, so now’s a great time to act.

REBlogWorld is designed for both real estate and mortgage professionals.

Don’t let the name fool you, this event has been planned by mortgage guys, with mortgage professionals in mind. Plus, can you think of a better opportunity to meet real estate agents who “get it” when it comes to Web 2.0 marketing? Trust me, real estate professionals who get new media want to work with loan pro’s playing on the same field. Real estate agents are outnumbering loan pros at least two to one so far in registrations. This is an awesome opportunity to connect with them.

There’s an old saying about teaching a man to fish… Ask yourself this.

Is the next conference you’re going to, teaching you how to fish, or how to get hooked on a lifetime of paying for recycled marketing ideas?

We’re not selling any marketing programs at REBlogWorld. Just effective, innovative and affordable ideas that are propelling the next generation of real estate and mortgage superstars to the top of their industry. Join us.

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Real Estate Radio USA on RE BarCamp and REBlogWorld

by Todd Carpenter on July 17, 2008

real-estate-radio-usa-on-re-barcamp-and-reblogworld

Just a quick note. I was on Real Estate Radio USA today talking about RE BarCamp and REBlogWorld. If you missed it live, you can listen here.

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Strange But True + Invitation

by Chad Weber on July 4, 2008

I thought it would be fun to post some of my favorite “strange but true” facts about the good ol’ U.S.A. :)  Before we get to these, I wanted to invite any and all who are able to come see us next week near Atlanta on Wednesday, and Orlando on Thursday of next week for the Thrive Semianr series with Greg Frost and David Bartels.

Since i’m in a great mood this morning, I’ll even toss in a coupon code you can use on the site to get in for free. :)

Take a look at the schedule below, and visit www.thriveseminars.com - enter FSBO as your coupon code and you’ll get your ticket to the seminar for free. You’ll be glad you came!  

Atlanta, GA
July 9, 2008
Hilton Atlanta Northeast
5993 Peachtree Industrial Blvd.
Norcross, Georgia 30092-3402

Hotel Phone: (770) 447-4747

Orlando, FL
July 10, 2008
Orlando Airport Marriott
7499 Augusta National Dr.
Orlando, Florida 32822

Hotel Phone: (407) 851-9000

www.thriveseminars.com  - Use coupon code: “FSBO” to secure your free tickets (Greg and David will cover 21 strategies you can use today to close more loans - Great material!) <<< We’ll see you there, so stop by to say hello, and snap a picture with us for our “Aftermath” blog post here on Lenderma!  

——

Ok, now it’s time to chat about the 4th… I’m a huge fan of little known, or even strange but true facts. So now, in accordance with tradition, you will be subjected to me opening the floodgates for no other reason than “hey, it’s the 4th of July… It’s appropriate!” Enjoy!

Let’s start out with an interesting question. Do you know the answer?:

Who Am I?

When he was 22, his business failed. When he was 23, he lost a bid for U.S. Congress. When he was 24, he failed in business again. The following year, he was elected to the state legislature. When he was 26, his sweetheart died. At age 27, he had a nervous breakdown. When he was 29, he was defeated for the post of Speaker of the House in the state legislature. When he was 31, he was defeated as Elector. When he was 34, he ran for Congress again and lost. At the age of 37, he ran for Congress yet again and finally won, but two years later he lost his re-election campaign. At the age of 46, he ran for a U.S. Senate seat and lost. The following year he ran for Vice President and lost. Finally, at the age of 51, he was elected President of the United States. Who was this?

None other than Abraham Lincoln! Yep, there’s something to be said for never giving up!

http://www.civil-liberties.com/factoids/july4_02.htm  << Source - Giving credit where credit is due…

Hey uhhhh… Can I borrower a dollar?

President Washington was the wealthiest man in American at the time of his election as President, but he had to borrow money to attend his inauguration. His enormous wealth was attributed the vast property that he owned which produced almost no cash flow. 

This land is my flat land…This land is your flat land…President Andrew Jackson believed the world was flat and FDR was so superstitious, that he would never leave town on a Friday and never sit at a table with 13 people.

At least he didn’t run a red light…

Ulysses S. Grant was convicted of exceeding the speed limit while riding his horse in the streets of Washington, D.C. late one night. The accusing police officer was reluctant to issue the $20 fine when he realized that the offender was President Grant, but Grant insisted the he be fined.

Pool Anyone? 

 The dome on Monticello, Thomas Jefferson’s home, conceals a billiards room. In Jefferson’s day, billiards were illegal in Virginia.Now that we’re done with the factoids, it’s time for Strange laws in the U.S.!!Michigan:
–A state law stipulates that a woman’s hair legally belongs to her husband.
–Under state law, dentists are officially classified as “mechanics.” New York:
–In NYC, “it is disorderly conduct for one man to greet another on the street by placing the end of his thumb against the tip of his nose and wiggling the extended fingers of that hand.”

Oklahoma:
–Whale hunting is strictly forbidden.  (Bet you didn’t know that Oklahoma is a whale hunting hot spot!)
–People who make “ugly faces” at dogs may be fined and/or jailed. (Define “ugly faces” please…)

Ohio:
–In Columbus, it is illegal for stores to sell corn flakes on Sunday.
–In Youngstown, it is illegal to run out of gas. (Sure.Kick me while I’m down and walking to the next gas station!)

Oregon:
–The town of Hood River prohibits the act of juggling without a license. (Good thing I like in St. Louis… I would have been fined just last night! From now on, all my juggling will take place indoors!)

Montana:
–In Whitehall, it is illegal to operate a vehicle with ice picks attached to the wheels. (How about a fork? Is it ok to attach a fork?)
–It is a felony for a wife to open her husband’s mail.

Nebraska:
–If a child burps during a church service in Omaha, his or her parents may be arrested.
–It is illegal for a mother to give her daughter a perm without a state license.

Florida:
–Unmarried women who parachute on Sunday’s will be jailed. (I think I saw this on Cops last week… It was quite the intense episode)

Georgia:
–In Quitman, it is illegal for a chicken to cross the road. (Wow… You have no idea how many corny punchlines you narrowly escaped. I decided to not spare you all! Haha)
–In Columbus, it is illegal to sit on one’s porch in an indecent position.

Pennsylvania:
–”Any motorist who sights a team of horses coming toward him must pull well off the road, cover his car with a blanket or canvas that blends with the countryside, and let the horses pass. If the horses appear skittish, the motorist must take his car apart piece by piece, and hide it under the nearest bushes.”

Rhode Island:
–Its illegal to throw pickle juice on a trolley. (But eye-stinging lime juice is perfectly fine apparently! Joy!)

Tennessee:–It is illegal to use a lasso to catch a fish.
–In Dyersburg, it is illegal for a woman to call a man for a date.
–In Memphis, it is illegal for a woman to drive by herself; “a man must walk or run in front of the vehicle, waving a red flag in order to warn approaching pedestrians and motorists.” (I’m guessing this law dates back to the early 1900’s. I’m trying to imagine the serious conversation that took place as this law made its way onto the books)

Texas:
–The entire Encyclopedia Britannica is banned because it contains a formula for making beer at home.
-It is illegal to milk another person’s cow. (darn cow milking bandits!)

Utah:
–A husband is responsible for every criminal act committed by his wife in his presence.

Virginia:
–In Richmond, it is illegal to flip a coin in any eating establishment to determine who buys a cup of coffee.
–In Lebanon, it is illegal to kick your wife out of bed.

Vermont:
–It is illegal to deny the existence of God.
–It is illegal to whistle underwater. (I’m frightened… Frightened I say! What crazy event took place that motivated someone to pass this little gem?)
–Women must obtain written permission from their husbands to wear false teeth.

Arkansas:
–A man can legally beat his wife, but no more than once a month.

California:
–In L.A., a man may legally beat his wife with a leather strap, as long as it is less than 2 inches wide, or she gives him permission to use a wider strap.
–It is a misdemeanor to shoot any kind of game from a moving vehicle, unless the target is a whale. (I’ll remember that for the next time I spot a whale swimming down highway 270 here in St. Louis)

Massachusetts:
–It is illegal to wear a goatee without a license.
–North Andover prohibits its citizens from carrying “space guns.”
–In 1659, the state outlawed Christmas.

Indiana:
–Monkey’s are forbidden to smoke cigarettes in South Bend.

Illinois:
–In Chicago, it is illegal to take a french poodle to the Opera. (Simply because they can’t appreciate the fine art that is the opera no doubt…)
–According to state law, it is illegal to speak English. The officially recognized language is “American.”
–In Joliet, it is illegal to mispronounce the name Joliet

 There you have it folks! My yearly “Strange But True” post! I hope you’ve chuckled at least once or twice as you browsed through the list. I look forward to meeting some of you in Atlanta or Orlando next week. See you there!

Chad Weber - www.fsboleadportal.com - www.loanofficermarketinglab.com

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More FSBO Marketing Instruction

by Chad Weber on June 16, 2008

Good morning!

 Just a brief heads up that I’m at it again… Yep, I’m running free training teleseminars this week. Most notably, tomorrow we have a FSBO Marketing training session scheduled with Doren Aldana as part of his Meetings With Mortgage Masters interview series.

We’ve already had plenty of questions submitted, but if you’d like to participate in this training call, you can register at the following link: http://www.mortgagemarketingcoach.com/chadweber2-reg.html

There’s been a flurry of activity in the industry these last few weeks, and it’s difficult not to get distracted. But a good solid hour of learning can be worth its weight in gold, so I hope to see you there!

Chad Weber - www.fsboleadportal.com

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