Author: Brian Brady (page 7 of 27)

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

January 31, 2010

How Can The iPad Can Change Mortgage Marketing? It’s The App, Stupid

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

I was plunged into the Apple world when my daughter won an iTouch from a magazine drive. I dived into it nine months ago when I bought an iPhone. Here’s why mobile devices work- you can harness the power of the internet and international communications in your pocket. To ignore this trend is to deny what most Europeans and Asians already.

Why then are Americans the laggards in the mobile me movement? I think it’s because we’re wealthier than our cousins across the ponds. Until we get mobile devices with a readable screen, that aren’t hard to use, we’re going to stay chained to desks or flopped with lap weights. Americans won’t adapt because we don’t have to…yet.

Enter the iPad. Everyone can use it and that says a lot about it’s user-friendliness. More importantly, my father can use it and that says a lot about it’s reach.

What can this mean to the mortgage industry?

POINT OF SALE: For the most part, mortgage shoppers care less about the loan terms than convenience and the ability to get approved. I want the ability to give them all three on a mobile app. I want them, and the real estate agents to use that app to get a pre-approval, check payments and cash-to-close, follow the mortgage market as it relates to their loan approval, and watch the loan process from a magazine sized computer.

MOBILITY: The loan process lasts 30-150 days. I want that borrower or agent to check rates and recheck their application status by simply touching that app button. If I’ m the user, I want the ability to take a loan application…anywhere:

at a Chargers tailgate party while watching the ribs on the BBQ
in the schoolyard at my daughter’s school
at a Chamber of Commerce networking mixer
in a real estate agent’s office
at an open house on a Sunday
at the beach

COMMUNICATION: I want to receive a text message every time they open that app and/or login. I want to know what they’re doing in there so that I can anticipate their questions and perceive their concerns. I want them to be able to send me a text Read more

January 29, 2010

What Will The FHA 90-Day Flip Rule Suspension Mean ?

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

The FHA suspended the 90-day flip rule as of February 1, 2010, for a period of up to one year. I’m not so sure lenders are going to play ball, though. I’ve found that lenders are implementing the 90-day seasoning rule for all loans, not just FHA, these past six months.

I warned the readers on Bigger Pockets about my observations and offered this advice:

If you purchase a property that looks like a good flip opportunity, you should be careful to not enter into a residential purchase agreement (RPA), from an enthusiastic buyer, for at least 91-days from the date the deed was recorded. I’m certain there will be instances where certain lenders will follow the HUD policy to the letter of the law but for now, I’d enter every potential flip planning for a minimum 90-day holding period before you market the property.

Bigger Pockets has a lot of experienced investors and speculators who read the articles there. Ryan Hinricher suggested that some lenders may be playing ball:

This is probably going to go both ways. I would imagine some lenders will continue with overlays despite the 1 year suspend on the rule. As an investor who was an underwriter, the best thing to do is understand if your lending sources are going to work with the suspension or ignore it. My thoughts = lender by lender. I’m planning on flipping many deals within 90 days.

Ryan’s comment proves that there are no absolutes in lending, especially today. While I think my observations are indicative of a growing trend, I imagine that a few lenders will follow the HUD guidelines to the letter and fund those transactions. My guess is that those lenders will charge a premium for those transactions, costing the buyer/borrower more money for the risk involved.

Should real estate scavengers, who buy distressed properties and remarket them at a profit, wait the 90 days to enter a residential purchase agreement or consider a “buy-down”, so that the lenient but more expensive lenders’ terms are consistent with “market rates”?

January 15, 2010

Internet Conversion For The Real Estate Solopreneur

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Renee Burrows is a real estate agent in Las Vegas whom I respect. I met Renee through Active Rain and have visited with her and her family when they visit Pacific Beach in the summers. I’ve watched her develop from an agent who was struggling with the down Vegas market into a transaction machine, putting buyers into homes in the Valley of Fire.

Renee shared her internet conversion system, written when she was building a “team”, behind the Members’ Only wall on Active Rain. What was interesting to me is that Renee eschewed the “team” approach for a referral-based system. She reduced her fixed costs and has the flexibility to refer buyers to agents whom “buy-in” to her servicing system. If business slows down, Renee handles the buyers herself.

I liked the fact that she chose ubiquity by syndicating her blog posts and listings to over 100 sources on the internet. Renee writes a lot of time-sensitive market reports so I think ubiquity trumps the fear of being penalized by the SERPS for potential duplicate content:

You have to be an internet marketing generation machine (or have a department) to start having the leads filter in to you! I have my hands in so many cookie jars: craigslist, point 2 agent, active rain + outside blog (both syndicated to numerous sources and by numerous I mean 100-200, not 10-20,) facebook, twitter, print (flyers, business cards, postcards, door knocking, etc.) Now I don’t own major Las Vegas NV SEO keywords, but I do own quite a bit of long tail real estate (you get higher quality leads this way!)

Marketing to the masses can produce “wasteful” contact and Renee has installed a few “fences” for prospective customers to hop:

Since I have a good number of leads coming in, they come in several ways: phone and email. I use a good spam filter to filter out the spam (of course) and it requires a verification code to be entered for me to receive the email in my inbox. I also use an evoice receptionist that allows me to create separate extensions and it allows up to three phone numbers Read more

January 14, 2010

2010 Mortgage Broker Renaissance

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Is the business of broking mortgage loans dead? About two years ago, Morgan Brown predicted our demise on Blown Mortgage. His conclusion was that the industry would need a scapegoat for the poor lending practices and that “blaming” mortgage brokers was convenient (and not necessarily fair). His conclusion suggested that the big lenders were trying to gobble up market share to the detriment of the consumer.

Morgan predicted that the brunt of the regulatory changes would be aimed squarely at the mortgage broker; he was correct. He predicted that the big lenders would tighten up their standards and practices in the wholesale lending channel; he was correct.

That scheme backfired on the big banks. Congress is really pissed that they haven’t been doing more with the TARP funds federal largesse to make loans and they are coming down hard on whom President Obama calls the “fat cat bankers on Wall Street”.

Bawld Guy Axiom: Lenders Lend

Brady Corollary: Lenders lend unless it’s more profitable to do something else.

Government-subsidies proved that in 2009. The TARP funds allowed big banks to borrow money at a ridiculously low cost-of funds. The government guarantee on all agency products indemnified those big banks from losses. Essentially, the big banks could buy their product (a dollar) for $1.01 and sell it for $1.05; that’s a 500% markup and a helluva business. It would be natural for them to “crowd out” mortgage brokers, through poor pricing and horrible service, to benefit their retail lending channel.

Here’s what those big banks didn’t expect: public outrage over bonus pay and a proposed “windfall profits tax” on their guaranteed profits. While I hate excessive government interference, you gotta wonder why the bankers thought they could get paid like Gordon Gekko as wards of the Government. One would think they’d lay low at a GS-15 salary, for a year or two, after they repaid the TARP money.

The profits party is over for bankers and now they have to EARN those bonuses.

Guess what they’re doing? They’ve turned to mortgage brokers again as a viable loan delivery channel. How do I know this? The biggest banks (Bank Read more

December 21, 2009

Who’s Afraid of Redfin.com?

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Bob Haywood, an Owasso, OK real estate agent makes a case for why you should be aware of Redfin.com. Bob articulates, from behind the cloaked wall on Active Rain, why Redfin.com is the REAL agent of change in the real estate industry. Read what Bob has to say:

You should pay as much or more attention to Redfin and what they are doing than you do to Zillow. Am I saying we should ignore Zillow? No! But the group who has the potential to really change real estate is Redfin, not Zillow. And here’s why…Zillow is just an information source. So they give lots of information. Yippee. The information real estate vault is now open to the public. Zillow is just one of many players in the information delivery game. And guess what? Zillow exists at the 20,000 foot level. Their information is not very accurate. You and I exist on the ground level. We know our local real estate market in ways that Zillow will never know. We know what actually sold. What it sold for. What it is actually worth and often, what is about to come onto the market.

Fear Zillow.com? “Not so much”, says Bob and I agree with him. Zillow introduced the Zillow Mortgage Marketplace and it has had no impact on my business these past 18 months. Only one consumer has referenced Zillow’s mortgage rate quotes in their negotiation with me. That consumer did speak a lot about the Zestimate and its inaccuracy; that inaccuracy actually helped me in the negotiation with the consumer because it threw a shadow of doubt upon the accuracy of the mortgage quotes they offer.

And that is why you should watch Redfin. Redfin is a ground level company. They are attempting to take the information and link it to agents on the ground. That’s what makes them dangerous. If they ever get their feet under them and decide that they actually want to be a player nationwide, they could just change the way real estate is bought and sold. And if they do, they could end up owning (many of) us. Already, Read more

December 17, 2009

VA Condominium Complex Approvals: Navigating the Maze of Paperwork

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

We helped to secure a lot of VA condominium complex approvals in 2009. The VA Regional Home Loan Center-Phoenix is one of the best government agencies with whom I’ve had the pleasure to work. The folks working there are professional and committed. It helps that they know that we do our homework prior to submission for a condominium complex approval.

Sometimes, the system breaks down. My goal today is to explain how better to manage the process, for all parties involved.

The key component to the VA condominium complex approval is the Attorney’s Opinion Letter. Essentially, the VA relies on the expertise of an independent attorney to evaluate the condominium documents and offer an opinion as to whether or not those documents comply with the VA regulations. An attorney opinion letter is NOT a requirement for the submission package but attempting this without one is not recommended. While it adds another layer of cost to the approval process, the result is a greatly reduced examination time at the VA.

The document checklist is available in Chapter 16 of the VA Lender’s Handbook. Specifically, the table of required documents is available on page 16A.03. I suggest that the loan originator AND both real estate agents AND the escrow officer review this table as soon as an agreement of sale is executed. At first glance, the list appears to be ominous (lots of dead trees). Upon more careful scrutiny, it is plain to see that only 5-6 documents are required; the other 20 or so are only required IF AVAILABLE. The VA condominium complex requirements then are almost identical to what would be required for an FHA or conventional loan.

Still, the required documents are the required documents. Failure to provide those documents can result in lengthy delays. The reason is not because of the process, it is because of “trust”. The VA trusts the attorney to properly vet those documents, the attorney trusts the lender to properly organize those documents, and the lender trusts the escrow officer and title officer to properly provide those documents in an expeditious manner.

Simply put, if you show that “you Read more

December 15, 2009

Manufacturing Inflation (How Art Laffer Got It Wrong)

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

If you’ve wondered where that inflation was, you might start seeing signs of it today. Economic data released today are a great example of why inflation is a monetary consequence and not an economic one:

New York metro manufacturing activity slowed WAY less than expected:

Factories in the New York region unexpectedly expanded at the slowest pace in five months in December, indicating manufacturing may provide less of a thrust for the economy in coming months.

Wholesale prices jumped WAY more than expected:

The 1.8 percent increase in prices paid to factories, farmers and other producers was more than twice as large as anticipated and followed a 0.3 percent gain in October, according to Labor Department data released today in Washington. Excluding food and fuel, so-called core prices also exceeded the median estimate of economists surveyed by Bloomberg News.

Industrial production rose a tad, mostly from exports which may be a consequence of a weaker dollar :

Manufacturers are benefiting from rising demand overseas as the global economy recovers from the worst slump since World War II. A 12 percent drop in the value of the dollar from a four- year high on March 3 against its major trading partners is making American goods more competitive. Exports have risen for six consecutive months since reaching a three-year low in April.

What’s this all mean? It could very well mean that all this cheap money is starting to work its way into the economy…from the producers’ side. If those producers can’t pass along the higher prices to the consumer, because of a paradigm shift in consumer demand, we’re going to see a lot more business failures. That could lead to higher unemployment.

OR…it could mean something much worse; it could mean the feared currency collapse is underway.

Art Laffer once suggested that America’s “great export is our monetary policy” (VIDEO). Since that utterance to Peter Schiff, Laffer’s written a book admonishing the Government for the very strategy he endorsed. Laffer’s lost credibility aside, it is instructional to note that we, as a Nation, have become overly reliant on foreign capital. It looks like that party could be over. If Read more

October 9, 2009

The Nobel Sales Motivation Strategy

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

I’ve recruited and trained, directly and indirectly, over 300 loan salespeople in my career. I learned, as a new Branch Manager, that one way to enhance the overall production of the team was to practice the Nobel-Obama strategy. Here’s what we did:

We’d look for a promising new originator and make him the sales leader. Oftentimes, we’d pick the second-best performer, in a group of rookies, and feed him preferential leads, shower him with extra training, and “crown” him the tiger of the bunch. The reasoning behind that strategy was that the second-best performer would rise to the challenge and be that superstar while encouraging the legitimate superstar to challenge the golden boy.

It helped if the golden boy had a compelling story to tell. One young man emancipated himself from his parents at age 16, put himself through college, and even slept 2-3 nights in his car while temporarily homeless. He had been homeless because he was waiting for his initial commission check at his first sales job. He certainly had a better story to tell than the well-connected young lady who grew up in the tony suburb of Scottsdale so we crowned him the superstar.

What we did was to encourage the sales staff to believe that hard work was the key to success rather than having an “advantaged background”. We wanted the team to believe that if the golden boy could make six figures, anybody could. It didn’t always work. Usually, the polished young lady would defect to a competitior. Business got tough, the golden boy would struggle or implode, and our competitor profited from our mistake.

Some might consider what the Nobel Committee did today brilliant. Crowning an international golden boy encourages other heads of states to mimic our President’s behavior. I imagine Ahmenijad might be inspired to abandon his pursuit of nuclear weapons, the new Cuban leadership might stop killing and imprisoning dissidents, and the Dalai Lama will stop telling lies about Mainland China. Absent conflict or challenging times, the Nobel strategy might succeed as well as the one I used on sales rookies in the ’90s.

Today, I’ve learned an easier way to attract talent. I look for eager, accomplished, smart Read more

October 1, 2009

BloodhoundBlog Radio: FHA/VA in 2010 (with Tony Gallegos)

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Wondering about the future of VA home loans and FHA mortgages? Listen to my interview with Bloodhound Blog contributor, Tony Gallegos. We discuss:

San Diego County VA mortgage statistics (the market share number is going to astound you)
Why VA loans have the lowest default rate among all four major loan types (including conventional prime).
Why FHA isn’t really going broke (contrary to my earlier statement, it’s doing quite well)
Why lenders are initiation stricter guidelines on FHA loans than HUD requires
Why I suggest that HUD is asking FHA-approved lenders to do the “heavy lifting” for them

The interview last about 40 minutes; the perfect treadmill companion.

Listen to it here.

September 21, 2009

List of People Real Estate Agents MUST Follow on Twitter

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Sorry to go all Mike Ferry on you but at the end of the day, your time is better spent following would be home buyers, driving from open house to open house, with a carefully designed plan to “run into them” at the 7-11, every Sunday.

PS: Been there, done that, got the twee-shirt

September 19, 2009

Eliminate the Government Option For a Healthy Mortgage Industry

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Most loan originators are grateful for the “government option” in the mortgage markets because of the liquidity crunch. I submit that the reason for the mortgage liquidity crunch was TOO much government involvement in housing and its increased involvement has ruined mortgage banking. That’s going to be a hard concept to grasp because all of us have relied on the government, at one time or another, to insure the mortgage loans we make. Lend me your mind for a few minutes and consider what might have been had we weaned ourselves off of the milky government teat for a free market approach to residential real estate loans.

Government lending didn’t really start until the 1920s with farm and home loans. FDR’s New Deal supercharged the idea of US government-backed home loans as a “band-aid” to the Depression-era liquidity crisis. Poorly-trained, high school social studies teachers taught us that the New Deal policies are what saved the American economy. In fact, evidence suggests Federal intervention ultimately prolonged the Depression, curbed creativity and innovation in lending, and turned the residential lending industry into a ward of the Government.

Twice, in recent history, did residential lending attempt to divorce itself from this dependent relationship…twice, we failed. Current legislators use these failures as evidence for why free market capitalism is “dangerous” when left unchecked. In reality, the de-regulatory efforts towards banking in the 1980s, and securitized real estate lending in the earlier part of this decade, were constrained by a government-provided safety net (FSLIC insurance and expansion of the GSE mortgage conduits) akin to bad parenting.

Consider the teenager. Adolescence is the awkward period between a child’s dependence on his parents and the independence from those parents that comes with adulthood. Responsible parenting dictates that greater responsibilities be given, as the adolescent ages. Responsible parenting rewards the adolescent for good choices and levies punitive restrictions as consequences for poor choices. It is when parents indulge the adolescent in freedom without responsibility that adolescence continues to the child’s middle-age years. In short, if Biff kills his girlfriend in a Read more

September 12, 2009

Why We Should Rename It SMP (Social Media Prospecting)

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

I asked if SMM were dead as a precursor to our session with the Phoenix Association of REALTORs. A few of y’all mentioned that social media was helpful as a lead generation tool. I suggested this yesterday and I want to be perfectly clear about the utility of social sites as lead generation pools.

Serially creating overly commercial, spammy messages on your Facebook status bar is never going to be effective. Kelley Koelher once said in my Unchained session that you’re supposed to be SOCIAL on social media.

I don’t disagree. I often liken your behavior on social media like a party, wedding, or community event. If you showed up to cousin Fred’s wedding and handed out your business card, you should be tossed out on your ear. If bride Wilma’s sister asks you “What’s the market doing ?”, it makes sense for you to get her number and reconnect with her a week later.

Now, more than ever, prospecting is paramount to success as a REALTOR. Consider this video of Gary Keller and Jay Papasan, discussing the shift from marketing to prospecting.

Here are my takeaways:

the 8 X 8 is about cementing a relationship. These can be phone calls, interactive comments on social media sites, e-mails, and postcards. I think 3-4 different forms of media touches hardens the relationship cement quickly
the 33 touch is about saturation. I can’t stress enough that you must have permission to continue this saturation strategy on a prospective client
The monthly newsletter is a non-threatening way to buy brain cells. My yellow postcard might only be read for the 8 seconds it takes to go from the mailbox to the wastepaper basket but it does get read. I get calls from it.
The principles of direct marketing are more important now than ever. This means that you should ask people questions…directly (eg- do you know any teachers looking to buy their first home?)

How do social media play into this strategy? Here’s a Facebook tactic:

Call everyone on your “friends list”
Ask them who their REALTOR is in (your town)
If they have one, politely move on. If they don’t, ask if you Read more

September 12, 2009

BloodhoundBlog Unchained San Diego Online Marketing Conference

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Greg Swann and I conducted our super secret stategy session, last week in Phoenix. The results are in; there will be a one day BloodhoundBlog Unchained Online Marketing Conference in San Diego.

Mark your calendars for Friday, November 13, 2009. The conference will go from 10AM until 5PM and be held within walking distance of the San Diego Convention Center. We picked this date for a number of reasons:

we didn’t want to conflict with the scheduled Cyberprofessionals’ meetings
it’s the day after REBAR Camp
we can have a happy hour afterwards
easy fly-in and outs are doable; the location is a short cab ride from the Lindbergh Field (SAN)

The cost will be $49.00. A $10 discount will be offered to alumni and the Cyberprofessionals. If you’ve already reserved a spot, we owe you some money. Expect that refund this week.

Much more information provided later this week; the location will be confirmed by Monday and the schedule will be up on Friday

PS: if you’re planning on attending the Grand Opening of the NAR Expo,, you’ll have plenty of time to make it there before the 7PM deadline.

PPS: There will be limited seating so jump on this when Greg sets up the Paypal link.

September 8, 2009

Is Social Media Marketing Worth The Effort ?

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

Greg Swann and I are working together, later this week. We’re meeting in Phoenix to do some video work (mostly Q & A stuff), discuss the what we want BloodhoundBlog Unchained to look like, and host a discussion about SMM at the Phoenix Association of REALTORs (with Kerry Melcher).

We KNOW social media marketing works because we’re both busy but we really want to start measuring the efficacy of each effort. BloodhoundBlog Unchained is a labor of love. Our profits have been miniscule but we learn so much from the process of hosting the conference. Hobby or not, we’re still committed to producing the premier three-day workshop, about online real estate and mortgage marketing, in the industry.

One of the reasons Greg and I have such a great partnership is that we approach the same issue from completely opposite camps. Many of you have seen us “do our bit” about filling the funnel vs. pure pull marketing. I’m gonna let y’all in on a secret; we both practice what the other preaches.

I watched the forced registration issue with great interest. I’m spending thousands of dollars to have a similar IDX for mortgage rates developed. Naturally, I want to recoup the thousands as quickly as possible without threatening the customer to the point of having her click away.

I’ve watched people preach expertise about SMM who have never dealt with a bad Yelp rating, never engaged a stranger about their profession on Facebook, and haven’t monitored their blog comments in a year. We’re all trying to find the highest and best use of our time while providing good content for the stranger who graces our websites with a question.

I want those people to become prospects, then customers, then clients, then sneezing fans but I don’t want to spend all day wired to the laptop or answering questions via e-mail.

Our critical mission is to find out what works and what doesn’t. Most of the ideas we develop come from questions in these little workshops we do. People ask us questions and Greg and I try to find the answers. Those answers usually come from you; we Read more

September 2, 2009

Introducing Manny Fae and Merry Fac

by Brian Brady

Commercial Real Estate Finance Expert
Structured Debt and Equity
Licensed Real Estate Broker in AL, CA, and FL

“Plus ça change, plus c’est la même chose“- Jean-Baptiste Alphonse Carr, 1849

Hat tip to Matt Graham and Adam Quinones of Mortgage News Daily

You gotta hand it to the powerful Mortgage Bankers Association of America (MBAA). What they lack in imagination, they make up for in chutzpah. The MBAA released its report “Recomendations for Future Government Role in the Core Secondary Mortgage Market“. This six page report (the other six pages are pictures and such) essentially suggests that the Federal Government charter “Mortgage Credit Guarantor Entities” (MCGE) with a mission to purchase whole loans from originators and issue securities for purchase by investors.

These MCGE’s will be different from the existing GSE’s inasmuch as they:

require originators to retain 5% of the risk of the underlying loan values in the form of “set aside” capital
will be subject to “strong and effective regulatory oversight”
will only guarantee “core” mortgage products (30 and 15 year fixed rate loans)
will issue securities with the “explicit” guarantee of the full faith and credit of the United States Treasury rather than the former “implicit” guarantee

The MBAA did recommend that the existing infrastructure of the “outdated” GSEs be used to establish new MCGEs. It recommends that initially, the number of MCGEs to be established should be…

two or three.

As I’ve said before, I criticize too much. As a taxpayer, I should be outraged but as a mortgage banker, I’m keeping my mouth shut;

I want to be President of Manny Fae before I retire.

PS: Read the whole report here. Pages 5-10 are the meat of the proposal with lots of pretty pictures and footnotes on the other pages.

PPS: Look for the more powerful National Association of REALTORs (NAR) to offer immediate support for and pledge lobbying efforts for the establishment of MCGEs

Author: Brian Brady (page 7 of 27)

How Can The iPad Can Change Mortgage Marketing? It’s The App, Stupid

by Brian Brady

What Will The FHA 90-Day Flip Rule Suspension Mean ?

by Brian Brady

Internet Conversion For The Real Estate Solopreneur

by Brian Brady

2010 Mortgage Broker Renaissance

by Brian Brady

Who’s Afraid of Redfin.com?

by Brian Brady

VA Condominium Complex Approvals: Navigating the Maze of Paperwork

by Brian Brady

Manufacturing Inflation (How Art Laffer Got It Wrong)

by Brian Brady

The Nobel Sales Motivation Strategy

by Brian Brady

BloodhoundBlog Radio: FHA/VA in 2010 (with Tony Gallegos)

by Brian Brady

List of People Real Estate Agents MUST Follow on Twitter

by Brian Brady

Eliminate the Government Option For a Healthy Mortgage Industry

by Brian Brady

Why We Should Rename It SMP (Social Media Prospecting)

by Brian Brady

BloodhoundBlog Unchained San Diego Online Marketing Conference

by Brian Brady

Is Social Media Marketing Worth The Effort ?

by Brian Brady

Introducing Manny Fae and Merry Fac

by Brian Brady

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