Twas the night before Christmas, when all through the land

The Fed was hatching another bailout plan

CEO’s had hung their stockings by the chimney with care

In hopes that Uncle Sam would soon be there

Struggling homeowners tossed and turned in their beds

While visions of loan modifications danced in their heads

And Pelosi in her Kerchief, and Barney Frank in his cap

Had just adjurned congress for a long winters nap

When out on Wall Street there arose such a clatter

They sprang to their feet to see what was the matter

Away to the window they flew like a flash

Tore open the shutters and threw up the sash

The brokers on Wall Street screamed about the recent dow drop

Another sign that the housing bubble had popped

When what to their wondering eyes should show

But a hybrid car with 8 tiny CEO’s

With a a little old driver so dull and smirky

They knew in a moment it must be Ben Bernarke

More rapid than stock drops, the CEO’s they came

And congress whistled and shouted and called them by name

Now Liddy, now Blankfein, now Wagnor, and Nardelli

On Dimon, on Pandit, on Thain, and Mulally

To the top of Capitol Hill, to the top of the wall

Let’s Bail out, Bail out, Bail out all

As dry leaves that before the wild hurricane fly

When they meet with an obstacle mount to the sky

So up to the Capitol the CEO’s flew

Driving hybrid cars with Ben Bernarke too

And then in a twinkling, I heard on television

Jim Cramer just confirmed, December 07 was the start of the recession

Looking at my 401k statment, I turned around

And down the chimney came Ben Bernarke came with a bound

He was dressed in a pin striped suit from his head to his foot

And his clothes were all tarnished with ashes and soot

A bundle of bailout money he had flung on his back

And he looked like a tax collector just opening his pack

His rate drops were frequent, does he have the right stuff?

700 billion dollars was not going to be enough

His droll little mouth was drawn up like a bow

and the recession had him scared white as the snow

The Fed Beige Book he held tight in his hand

The consumer spending report was bad for the land

He had a stone face, and a report from Pelosi held out

That read take tax payer money for the giant bailout

He was tall and thin, a right smirk Fed Chair

And I cried when I saw him and felt great despair

A wink of his eye and a drop of the rate

Soon caused me to ask, “is it too little too late?”

And laying a finger aside of his nose

And giving a nod up the chimney he rose

He sprang to his car and to congress gave a whistle

And away they drove like the down of a thistle

But I heard him exclaim, ere he drove away in a Mercury

“Merry Christmas to all, and by the way we’re buying $600 billion in mortgage back securities!”

Giving presentations is a great way to gain exposure and credibility. Because the demand for FHA loans has increased significantly, doing an FHA presentation for your agents is a great tool for today’s market. That is why I put together an FHA power point for you to download and use.

click here to download the power point fha

All you need to do is click above on fha and download the power point. Feel free to edit it however you like.

When was the last time you got a solicitation about a new product or service that you just could not live without? So what do you really need to be the best loan officer in today’s market? How many subscriptions must you have until you go broke and which ones can you afford not to have? That is where Product Reviews comes into play. Be sure to check out our Product Review Page today!

Some loan officers despise working with agents, but I contend that is because they just have not found the right agents to work with. If you have followed me anytime at all, you know what I always say, “if you make a friend you will make a sale” I truly believe in this. I have seen it work in my life numerous times. The question is, “how do you make a friend?”

Making friends is really easy if you practice the art of being a giver and the best way to be a giver is to give something valuable to the person recieving it. With the increase in FHA loans, I have noticed Realtors really need education on what does and does not qualify for FHA. As originators we know that the home is crucial to the FHA loan. If the house does not meet FHA guideines, then the deal is dead. With that in mind, I created a simple form called the Realtors Guide to FHA Repairs. This form will help you get in with listing agents, because if they know on the front side if the house is eligible for FHA, then they have more options to market to potential buyers.

You can download and use this form for free, all we ask is you visit our sponsors below!

realtor-guide-to-fha-repairs1

realtor-guide-to-fha-repairs-2

Have you ever thought to yourself that the best agents in your town already have a loan officer they are working with? Or do you struggle with the right script to get into meet them, or maybe you are like many loan officers and swear off Realtors forever or at best only work with the lower level producers. If this is you I would invite you to check out this webinar replay. It may just open you eyes to new possibilities

My good friend Geoff Zimpfer recently did this webinar about a new way to get the best agents in town to want to work with you. To watch the my agent toolbox replay simply click here.

If you know me very well at all, you will know I am a big fan of creating a niche. I think your blog should be done the same way. Now that is not to say that you will not provide some additional information about the business, BUT people will seek you out for your specialty. We just hired a new loan officer to specialize in Tennessee reverse mortgage loans. His blog

will be mainly about FHA reverse mortgage loans in TENNESSEE. We are not using this to get business as much as we are using it to postion him in the market as an expert and validate his credibility. So if you are thinking about blogging, consider a niche. And if you need help, let me know.

We are back with a brand new video. Be sure to watch it here.

Every year Linus goes out to the pumpkin patch to wait for the Great Pumpkin to appear. For many loan officers, their desk has become their pumpkin patch and the same thing happens

1. Refocus. The mental game will kill you or help you. It is your choice. Have a Realtor pull the activity in your area for the last 90 days. I bet you will be surprised at how many closings actually happened. Once you have the information, ask yourself, How many of the deals are you getting?

2. Get out from the pumpkin patch Charlie Brown. Many of you have been sitting the the pumpkin patch waiting on the Great Lead Pumpkin to bring you qualified deals. You just can not do this anymore. Get out in the neighborhood and do some trick or treating of your own. Go and meet the agents that are producing right now. Share some of your insight with them, they will appreciate it!

3. Change your costume. You can be anything you want to be, but be something. Above all specialize. You can not wear multiple costumes at halloween, so why do you think you can in your business. You have to become a specialist and drill down on the market that is working.

4. Have someone go along with you. Good parents go trick or treating with their kids. If you feel lost and unsure, get a coach to guide you during this market. The truth is it can be scary to go alone.

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A direct link to your personal website

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The bottom line gang is that you need to sign up for this today! It is a steal at this price!!