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There’s always something to howl about.

Category: Dirty Laundry (page 5 of 9)

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June 1, 2009

Can a REALTOR Truly be a Consumer Advocate?

by

Realtor, Rabble-Rouser

Author website

My query is sincere.  But first, I want to make a distinction between a REALTOR and a licensed real estate agent.  NAR tells consumers to seek the counsel of REALTOR – in fact, make sure they are working with a REALTOR, leading consumers to believe that a licensed real estate agent and REALTOR are synonymous.  They are not.

A REALTOR is a licensed real estate agent who is also a  member of the National Association of REALTORs, who’s mission is:

The core purpose of the NATIONAL ASSOCIATION OF REALTORS® is to help its members become more profitable and successful.

Clearly absent from the mission is any reference to the consumer.

The vision of the National Association of REALTORS is equally insightful:

The NATIONAL ASSOCIATION OF REALTORS® strives to be the collective force influencing and shaping the real estate industry. It seeks to be the leading advocate of the right to own, use, and transfer real property; the acknowledged leader in developing standards for efficient, effective, and ethical real estate business practices; and valued by highly skilled real estate professionals and viewed by them as crucial to their success.

Working on behalf of America’s property owners, the NATIONAL ASSOCIATION OF REALTORS® provides a facility for professional development, research and exchange of information among its members and to the public and government for the purpose of preserving the free enterprise system, and the right to own, use, and transfer real property.

I find NARs Vision statement to be interesting. While the concept of advocacy is referenced – It seeks to be the leading advocate of the right to own, use, and transfer real property – NARs advocacy serves first and foremost its members.  Again, distinctly absent from the vision statement is a direct reference to the consumer – ultimately the guy or gal who parts with their money to own, use, and transfer real property.

As licensed real estate agents, our behavior is bound and regulated by our state laws, written in the interest of protecting the public from unscrupulous professionals.  Licensing is the state’s way to insure that a minimum standard of knowledge and behavior is achieved prior Read more

June 1, 2009

Mortgage Market Update – what difference does GM make?

by

Mortgage Officer

Author website

Well, here we are on the morning many people thought would never come.    Many people said they never expected that GM would actually go under.   Well, under they are with approximately $178 Billion in liabilities and only $82 Billion in assets (and I think the $82 Billion includes the money that you and I gave them.)

So what difference does that make for the mortgage market?  A couple of things:

  • It’s not a positive thing for the housing market because it “solidifies” what we all knew anyway.   There are going to be additional job losses and as we all know, additional job losses equates to additional mortgage delinquencies and housing losses which is bad for the mortgage backed securities market.
  • I don’t know the exact amount but there is a LOT of money out there in GM bonds.   Those bonds are now essentially worthless (from what I understand, they were “exchanged” for stock – stock that’s currently trading at 75 cents per share).   This is spooking the entire bond market and pushing rates higher.
  • The government announced that as the “only one who would lend to GM right now” (not exactly what they said, but close) they are putting an additional $30,000,000,000 into GM.    This makes the GM bailout the largest individual company bailout and increases the risk by the government going further in debt thereby pushing up on rates.

So, GM, the one company that was supposedly too big to fail, failed and failing isn’t a good thing for the mortgage rate market.

What else is happening?

  • The ISM (Industrial Supply Management Index) showed that manufacturing is still contracting but once again it’s the “less bad” type of thing.   It was slowing but not as rapidly in May as it did in April.
  • Personal income rose and personal spending fell in May.   That means that we all made a little bit more and guess what, we didn’t go out and spend it!   For the long term health of the market, this is actually a good thing that we aren’t “over consuming” but short term, it’s quite painful because so much of our economy is based on consumers Read more
May 28, 2009

If Not Us, Who?

by

Database Marketing Expert

Author website

I’m in a lousy mood today and I need your help.

The crooks are resurfacing.

If you thought the bad guys have been flushed out of the system, I’ve got some bad news for ya.  We spend an inordinate amount of time debating who and what caused the mortgage meltdown.  We spend very little time debating how we make sure it never happens again.  The key word I want to emphasize here is “we”.

It’s not up to the government to fix this mess.  It’s not up to NAMB, or NAR or Ghostbusters.  It’s up to US – the folks in the field and on the street that see the dishonesty and suck in the stench seven steps before it gets packaged into mortgage backed securities.

I wrote an article entitled The Code:  How the Mortgage Industry Could Self Regulate a few days ago.  Alas, my baby blog is a PR2 and I doubt too many people saw it.  I think it’s an important concept and I am grateful for a venue like Bloodhound Blog to facilitate the conversation.

If you leave it up to your government, you get lame-brain ideas like HVCC.  I’m telling y’all right now, right here that I’m going to do my little part to protect the general public from the bad guys.  We need to clean up our own industry.  Brian Brady has it right in my book:  you do wrong and he’s gonna “come down on you like a ton of bricks”.  People look to us as fiduciaries, and I do believe in buyer beware.  But unfortunately the doofus who doesn’t do his homework and gets himself ripped off just lowered the property values of every smart guy on his block.

So here’s the question I want to pose to the Bloodhound Community:

I know a bad guy, a predatory lender who ripped off hundreds of borrowers.  He went away for a while and now he’s back.  What can I do about it?  How do we take our industry back?

May 27, 2009

What Happened, What Does it Mean, and Where Do We Go From Here?

by

Mortgage Officer

Author website

Wow!  What a day in the mortgage and bond markets today.   I think it’s a good thing to say that while a lot of us saw this coming, very few of us expected that it would happen today.    Let’s walk through what happened, what it means and where we go from here.

What happened? A couple of things happened that caused the bond market to go into a free fall (okay more than a couple):

  • Several analysts and rating agencies have raised significant questions about whether both the United Kingdom and the United States will be able to continue to pay their debts as the staggering amounts that they are borrowing to keep their financial systems afloat are well, truly staggering.
  • As GM inches/races/inches (depending on the moment) towards bankruptcy, it is becoming obvious that the US Government is going to have to shell out a LOT more money to keep GM somewhat afloat (another approximately $50,000,000,000 – but who’s counting?)
  • Although the headline number looks good, as we discussed earlier, the existing home sales for April were less than spectacular.
  • Case Shiller came out with their housing price value reports and they showed a pretty nasty case of the housing price drops.   That means that the collateral for mortgage backed securities is dropping in value making them less desirable.
  • A number of reports have come out recently that showed that the performance of mortgage backed securities is continuing to suffer and mortgage delinquencies are continuing to rise.   We talked about one of those reports here, and another one of them here.
  • Oil prices have been going up and the people in OPEC who control a lot of that are talking $75 to $80 a barrel while we’re only at $63 right now.   Increasing the risk of inflation puts pressure on rates.
  • The Federal government, through their manipulation of the long term Treasury and mortgage backed securities markets (also known as buying the market), had been keeping mortgage rates artificially lower than what the economic, financial and mortgage portfolio conditions would typically warrant.
  • Oh and there’s this little thing called North Korea firing test missiles and Iran running ships in Read more
May 22, 2009

The End of No-Cost Mortgage Loans and Other HR 1728 Concerns

by

Las Vegas Mortgage Blogger

Author website

The H.R. 1728: Mortgage Reform and Anti-Predatory Lending Act is a problem that all mortgage and real estate professionals need to pay attention to.

My first rule of blogging has always been to avoid political discussions, especially if I’m not an expert on every angle of the topic.

So, with my second post to the BHB, I’m breaking all of my rules…. I guess this means that I’m starting to get the hang of things around here.

The difference with this post is that I’m putting my self-consciousness and ego aside for a moment.  I believe that there is way too much at stake for me to wait around until I’m comfortable putting my neck on the line.  I’m taking Greg’s 70% approach and running with it

If I’m wrong or barking up the wrong tree, I humbly respect that the Hounds of this community will set me straight.  Matter of fact, I’ll do my best to encourage any type of discussion, rant, or other demonstration of disgust, as long as it helps us get closer to the truth behind HR 1728.

Here’s the deal, friends – HR 1728 has passed the House, which means it still has to go before the Senate and then pass Obamanomics before it becomes a law.

I’ve spent a significant amount of time reading, researching and writing about how mortgage originators can battleback against this new Mortgage Reform bill.

I’m either missing a beat, presenting the wrong info, or not yelling loud enough, because it doesn’t seem like there is much talk online about how this new Anti-Predatory Lending bill will impact our industry.

Obviously, HVCC is getting some reaction, probably because people are already feeling the pain in their wallets.

However, a lot of us may have to turn to online gaming and selling weed to make a living if H.R. 1728 makes it through the Senate without our voices being heard.

What are the main bullets of HR 1728 that I care about?

  • Mortgage brokers lose the ability to use their YSP (Yield Spread Premium) to offer No-Cost mortgage loans.  Banks, on the other hand, still don’t have to disclose their same (SRP).
May 19, 2009

NAR midyear: They’ve got a lot of what it takes to get along

by

Rust Belt Realtor

Author website

Did midyear throw you for a few loops? Why?

We real cool, but for all our coolness, our cutting edginess, our self-important bellowing, we belong to an enormous *ahem* trade organization. So step back a moment and let me break it down for you.

A trade organization exists to represent its members.

All decisions it makes will be in the best interest of the majority of its members. Why? Because a trade organizations exists to represent its members. The end.

If you are not in the majority then your edgey place represents one of two things to a trade organization: Something to be ignored, or something to be absorbed. There are no buts.

“But they twitter!”

“But they leave comments on my blog!”

“But I met them at REBC and they were nice!”

They represent their members. They speak on behalf on their members. You may wish and hope and want to believe that things are different, however, facts is facts. It is what it is.

Meanwhile, how about those “Transaction Fees“? I don’t pass transaction fees on to my clients. I would hate it if it happened to me. So as the NAR creates a song and dance regarding Busby v. JRHBW Realty, Inc. (members only, sorry) thereby protecting the majority of its members, here’s a little toe-tapping number dedicated to the wackadoodle world of the NAR. Appropriately, she’s singing in pig latin!

May 18, 2009

What’s the HVCC and what does it mean to Loan Officers, Realtors and Consumers?

by

Mortgage Officer

Author website

Okay, first, I have a confession to make.   The bank that I work for chose to be proactive and we began implementing the Home Valuation Code of Conduct on mortgage applications taken on or after January 12.   Why did we do it so early?   I’m not going to attempt to read the minds of the corporate people on that one.

I am going to share what I’ve learned about the Home Valuation Code of Conduct and what it means for lenders, Realtors and consumers.   Please remember this is not a formal analysis of the rules of the HVCC, this is strictly my personal experience of what it means:

The Five Most Important Things About the Home Valuation Code of Conduct:
1. For consumers – it means that the cost of an appraisal has gone up.   6 months ago, a standard appraisal in my area would cost between $275 and $300.   Now, that same appraisal is going to run $375.  What does the consumer get for his additional $75?  Basically, he gets one thing.   He gets a bit more comfort that the appraiser isn’t necessarily a friend of the Realtor or the lender and he doesn’t need to be as concerned that the appraiser is being pressured by someone to “meet a number” so the deal gets done.

2. For Realtors – it means that they can’t rely on “a friend” to get the deal done.   The days of working with the local appraiser who knows pretty much the entire market are over.   Now they have no impact on who does the appraisal.  So what does that mean?  It means that they are probably going to be getting some appraisers who don’t know the market as well.   What does that mean?  It means the Realtor has to not only know the market, they have to have the data available and be able to pass that information quickly and easily to the appraiser.   I don’t believe that it would violate any rules if the Realtor were to look up what they feel are the 6 best comparables, print the information and have it waiting at the house Read more

May 13, 2009

FHA and the $8000 Tax Credit – what I know and what I don’t….

by

Mortgage Officer

Author website

It has amazed me how many people (mainly Realtors and lenders) are already out there proclaiming that you can now go back to the days of the “No money down” loans with FHA and you can do it right now.   Well, that’s not quite the whole story.    Let me explain:

What I know:

  • I know that FHA is now allowing a borrower who qualifies for the $8000 tax credit to use that tax credit as the downpayment for purchasing the house.
  • I know that they can’t get any cash back – if they need $7000, they can only get $7000.
  • Government agencies and non-profits can do second liens against the house for the downpayment.
  • The payments on that second lien need to be counted into qualifying rations.   In other words, if you are going to borrow the $8000 so you can use it for your down payment, you need to be able to pay that amount back.  Gee, there’s a novel concept.
  • FHA approved mortgagees can do a “bridge loan” against the tax credit.

What I don’t know:

  • I don’t know whether any FHA approved non-profits are going to be willing to do second liens in situations like that.
  • I don’t know whether any FHA mortgagees (such as my bank) are going to be willing to do a bridge loan against a tax credit.   Typically banks don’t like to do unsecured loans and I’m not sure how you can secure a loan against a tax credit.
  • I don’t know what fees and rates will be charged for such a bridge loan.

Personal feelings:

  • In today’s volatile market, if you aren’t able to come up with 3.5% for a downpayment on a house, maybe you should continue to rent for a while.
  • The “tightest” 12 to 18 months that a home buyer typically has is their first 12 to 18 months when they are getting used to the house payment.   Do we really want to add the cost of having to pay back a bridge loan on top of that? 

So I guess my recommendation is essentially this:

  • Take a deep breath.
  • Wait to give the financial institutions the time to sort this all out.
  • Once we Read more
May 11, 2009

Making a virtue of necessity is usually an error…

by

Suburban Phoenix Real Estate Broker

Author website

Stuff like this is why I went public with our Notice of Trustee’s Sale:

Author : A concerned renter
E-mail : irquel@REDACTED.com
Stopped paying your mortgage?  BAHAHAHHAAHA!

Welcome to the hell you brought on others, you pathetic parasite. Good thing you’re a psychopath and can’t feel anything, or you’d be really bummed.

The point was to deny vicious trolls like this the opportunity to claim that, by not disclosing the foreclosure, I am therefore trying to hide it. The fact is I told them in my post Friday night — and many times before then — that their behavior is self-destructive, but that doesn’t stop them from carrying on like this. It’s sad and stupid, but it is what it is. I called them by their true names when first I met them:

My BubbleBoys are mostly gone for the moment, no doubt off like a cloud of gnats desperate to enshroud someone else’s head. The truth is, I do have a particular kind of fun at their expense, not the least of which are their pitch-perfect echoes of the charges I make against them. They were so aghast they I called them flying monkeys that they swooped in by the hundreds to express their outrage. Surely none dare call them Brownshirts, when most of what they did was rage, swear and threaten with all their minimal mental might. A certain few of them were brighter than I expected, but not one seems to have caught on that the Heckler’s Veto doesn’t work on the internet. And for all their complaints, none of them seems to have noticed that I also compared them to the Communists.

Even so, I ended up feeling sorry for them. It’s not the specious arguments repeated over and over, not the garbled grammar, not the atrocious spelling. Those are secondary consequences. What grabbed at my heart, despite myself, was the lack of internal resources that would lead a man — and they seem to be almost exclusively men — to join a gang of thugs. Surely this is not true of each one of them, but it is true in the main, in Read more

May 10, 2009

Throwing a Virtual Rent Party

by

Real Estate Broker, Investor

Author website

While Greg and Brian are talking about “Battling Back”; Eric, Teri and I have been talking about “Throwing Parties”.  As in Rent Parties.

If you are not familiar with the term, Rent Parties flourished in Harlem in the 1920s and 1930s.  Musicians would make the rounds after their paying gigs, guests would pay a small admission fee to dance and party all night at someone’s apartment, and the host would end up with enough money to pay the landlord for another month.

Greg’s revealing personal post yesterday inspired the idea that we could throw a Rent Party online.  And. the party could boogie on 24/7/365.

To my surprise the domain name virtualrentparty.com was available.  By last night I had the bare bones foundation of the site up and running; and Teri had incredible visions of the good work that could be done.  You can see our work at http://www.virtualrentparty.com

Meanwhile, I am plumb tuckered out.  🙂

Anyone who would like to work with us on building out the content please tell us in the comments; we’re thinking everything from video dance contests, to straight talk around the kitchen table about putting your financial life together.  I will quickly and gratefully send any volunteer a login ID and password.

And yes, there are already a couple donations in the hat.  I certainly respect that you didn’t intend to induce charity, Mr. Swann, but there it is, your friends won’t leave you to face trouble alone.  If you won’t accept the funds, I bet Cathleen’s foster pet project would happily accept them, or Teri has some ideas in her community too.

May 9, 2009

My own first-hand foreclosure story

by

Suburban Phoenix Real Estate Broker

Author website

On April 27th, ironically the day before BloodhoundBlog Unchained commenced, IndyMac Bank posted a Notice of Trustee’s Sale against our home. I didn’t know about this until this week, although I had known it was a possibility.

This is really nobody’s business. But as a matter of steadfast policy, I have never let anyone make a truthful statement about me that I have not first made myself. I know I tend to excite the most evil sentiments in people with evil minds, so they may want to take this opportunity to further their self-destruction. This matters to me not at all. I live my life well to the right of the zero on the number line, and the only people I deal with or care about do the same. People who pursue disvalues are of no value to themselves, nor to anyone.

But so as not to introduce this topic and then leave it unexplained, here’s what happened: For the past three years, our outflow has exceeded our inflow. This is not an unusual story in the real estate business, and we have been lucky to have enough high-paying work to at least keep us within reach of profitability. During this same time, as you have seen here, we have completely reengineered everything we think about marketing, with the ultimate test of those ideas beginning only now.

But our debt load became severe enough last year that we had to make some hard choices. I elected to take a chance on our mortgage payments, since there was a plausible threat that we might lose the house anyway. Our choice was to keep the doors open at the risk of those doors themselves. I could see an upswing in our business activity, to the extent that I expected to catch up on the mortgage by the second quarter of 2009, and to catch up on everything by the fourth quarter.

I still expect this to be the case. My one mistake was that I didn’t think IndyMac would pull the trigger this soon. I played chicken and I lost, so now, in addition to buying back Read more

May 7, 2009

The Funnel: the Leak in my Marketing Efforts!

by

Realtor, Media Mogul

Author website

Leaks and Managing the Marketing FunnelI’m not cursed with having to get things perfect.  I don’t know if the 70% solution describes me either.  My goal is the 90% or better solution with 20% or less of the effort it may take others to get there.  Tools like engenu warm me to the core!

The Unchained crowd sets a complete new standard for real estate folks I’ve been around.  I have work to do on everything after Unchained.  But, at least I know a bunch of things to do, and who to talk with if I get stuck.  I can’t think of anything more powerful than that.

So, my list includes most everything.  In no particular order, webinars, SEO, engenu sites, focused CPC advertising, social media and what is for me the most fun, the Gonzo, unforgettable marketing.

But that sales funnel management still has me flummoxed.  I don’t give much due to the “automated” touch from a system.  I’m so good at filtering that type of thing, and give it so little credit, that I know that my incredibly smart friends and clients won’t like it either.  The experience from these systems just seems so lacking.  But I won’t argue that they can work successfully for a business.  Maybe I just don’t have the discipline to sustain them properly.

For me, a funnel that integrated with something like facebook might be better.  All I might really need is a periodic reminder to say something to those I’ve forgotten to contact in awhile.  If it automatically tracked who I had been in touch with, it becomes easy to use.  Frankly, that would be a great way to make sure I’m keeping in touch with my friends as well.  Which brings me to the crux of the issue; my clients and associates are a great many of my friends.  I need a reliable approach that treats them that way.

Do I feel like I need to “touch” my clients a dozen times a year?  Maybe not if the times I do engage with them are actually meaningful, memorable or gonzo enough.

Once I get some of the other things done, I won’t be Read more

May 7, 2009

Home Prices and “The Rest of the Story.”

by

Mortgage Officer

Author website

In case you haven’t been able to tell, I’ve been a little frustrated (okay a lot frustrated) with the markets lately.   Why?   Am I asking for bad news?

Nope, I’m looking for straight talk and reality and I don’t believe we’re getting that right now.   I don’t believe that:

  1. That the government is telling us the whole story in terms of the health of the banking world.
  2. That the statistics that supposedly show the market is recovering are truly that.   Since when is a “slowing of the pace of decline” a sign of recovery?   Bad at a slower pace doesn’t mean it’s good.
  3. That the true story on the devastation that the bankruptcy of GM and Chrysler is going to mean to our economy is truly being acknowledged and prepared for.   Preparedness is essential and we’re missing the boat on that one.

I’ve spent 20 years trying to help people manage their money and their real estate investments wisely and it’s never been more challenging than it is now.

So, I’m going to keep preaching the world the way I see it.   It isn’t pretty and it isn’t nearly as pretty as the main stream media would like you to believe.

Ask yourself this, when it comes to analyzing and understanding the economy, who would you put more confidence in?   Brian Williams and Katie Couric or Paul Krugman and Nouriel Roubini?

I’ll be on Paul and Nouriel’s side every time.

Tom Vanderwell

U.S. Home Prices May Be Lost for a Generation: John F. Wasik – Bloomberg.com

We might be looking at a lost generation for U.S. home values.

Far too many analysts are calling a bottom to the housing market after home prices in 20 metropolitan areas declined at a slower pace in February, according to the Standard & Poor’s/Case-Shiller Index.

Don’t be blinded by the glint of optimism in headlines about rising consumer confidence and slowing price declines. Demographic and market realities tell a more sobering story.

You won’t see a widespread housing rebound in an economy in which 600,000 jobs a month are lost and foreclosures ravage the most overleveraged areas. These are just the visible barriers to a recovery.

Mortgage lending has Read more

April 24, 2009

Unchained Melodies: Here’s what our world sounds like to me tonight…

by

Suburban Phoenix Real Estate Broker

Author website

Everything I see lately of what was once so decisively “our world” just looks to me like intramural patty-cake. That’s as may be, by now. It is what it is. I am not in it. I am not of it. And I am quite a bit less interested in it than I was when this was still an avoidable fate. But I know — and in a year’s time everyone will know — that BloodhoundBlog is what’s left outside the walls of the Praesidium. We are free because we understood that chains can be forged from burnished gold and not just pig iron.

But I am a rude dude in a rude mood, tonight more than most nights. We’re four days away from BloodhoundBlog Unchained, and I am profoundly inspired by all that we are going to do. And I look around me and I realize that “our world” is what it has always been. It doesn’t matter who chose to kneel for those “glittering prizes and endless compromises.” All that matters — all that ever mattered — is who didn’t.

Here’s what our world sounds like to me tonight.

April 17, 2009

10 reasons big box brokers suck

by

Realtor, Indie Broker

Author website

Did I really just say that? Sorry but it’s high time to call a spade a spade.

I recently decided to cut the apron strings so-to-speak with my old broker and go “indie”. After paying in about $200K in exchange for about $12K worth of business over a five year period, I had to evaluate whether the relationship with my broker was anything other than terribly one-sided. Since about Year 1.5 when I began working full-time from home, I’d managed to become pretty independent in terms of how I operated and procured business. I finally saw I wasn’t getting much of anything in return for those hefty commission splits and transactions (not counting the occasional pep talk, although at times it was much appreciated.) So I left at the start of the New Year. Since making the split official, I’ve had a chance to evaluate the cost of every aspect of my business compared to what it used to be. Not surprisingly, I’ve found that my overall costs are much lower. More surprisingly, however, I also discovered:

1. business cards were a profit center for the broker
2. sign installations were a profit center
3. color copies were a profit center
4. template sites (complete with crappy framed in MLS data) were a profit center that did not even generate leads
5. advertising was a profit center
6. leasing back office space to agents was a profit center
7. accounting services were a profit center (in the form of huge transaction fees)
8. sending closings through the broker’s joint venture with a local title company was a profit center
9. home warranty applications were a profit center (by skimming off the top of agents’ referral checks)
10. 100% tax deductible sales meetings were a profit center – vendors paid the broker to have their mediocre template sites etc shamelessly endorsed & pushed on agents

But wait, you may be thinking. Surely there were other ways your broker was adding value? Sadly, not really. Training beyond the basics was almost non-existent. Occasionally something would be offered gratis, eg a bank talking about changing lending standards, thus hoping to get some loan business. Or “training” Read more

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Inventing Real Estate 2.0

Welcome to BloodhoundBlog, the national real estate industry marketing and technology weblog written by, for and about real estate professionals. Better yet, welcome to the wired world of real estate. We are busily inventing Real Estate 2.0 – technology, marketing, service and salesmanship. Like all Bloodhounds, we are smart, frisky and fiercely independent. We've built a spot on the earth – beloved over all – where each one of us can be who we are, no matter who that might be. We are committed to an idea of excellence that will flush the bums, the con-men and the crybabies out of the real estate industry. If you yearn to have your failures excused, your moral lapses absolved or your boo-boos kissed, seek elsewhere. But if you are sick to death of mediocrity – welcome home. Read all about us, subscribe to our feed and steel yourself for the hunt. We work hard, we play hard, we learn everything we can – and we bow to no one.

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