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All lenders and brokers are required to provide you with a Good Faith Estimate detailing the services you may be required to get and pay for in connection with your loan. In the past couple of years, the GFE has undergone government-mandated changes.
In typical government fashion, it didn’t really work out so well. Most borrowers - as well as, Real Estate and Lending Professionals -have complained that the GFE is now more confusing than ever.
Hopefully, this report I’ve put together will help make it crystal-clear for you. It's rather lengthy, so I'm not posting it here. Just send me an email and I'll email it to you in easy to read PDF format, KenAHall@gmail.com.
Hope you have a great weekend. Call me if I can help you with anything at all.
Ken
951-760-3833
kenahall@gmail.com
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Saturday, May 21, 2011
Wednesday, May 4, 2011
Austin Wins 1st Place
My middle son, Austin wins 1st place in the 5th Grade speech competition at Rancho Christian School.
The young man certainly has the gift of gab :)
Congratulations, Austin. Mom and Dad are proud of you!
******************
Monday, May 2, 2011
Now I Can Read Without Glasses
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I turned 47 years old on April 15th.
For the last several months I’ve noticed it was becoming more difficult to read. A couple weeks before my birthday, I came into the office, booted-up the computer and finally it happened … I could no longer read the text on my screen (ditto books and newspaper).
I swiped a pair of my colleague’s drug store reading glasses (thanks, Jon Sheehan) and made do for a few days. It was very depressing. I already wear contact lenses for distance (since I was 18) and did not want to deal with also having to lug around a pair of reading glasses.
Then I remembered a conversation I had a few years ago with my Title Rep, Gary Matlock. Gary told me about a method of ‘eye exercises’ that strengthens the eyes and eliminates the need to wear reading glasses.
Long story short: I Googled ‘read without glasses’ and discovered a dvd product sold through Amazon.com called – appropriately – ‘Read Without Glasses’ by Dr. Ray Gottlieb. Cost: $39 bucks.
With a high dose of skepticism, I bought it. When it arrived I watched the dvd and began practicing the method.
Now, you may find this hard to believe but I’m telling you the absolute truth. The next day I could read without glasses! As I continued to practice daily for the next several days for about 5 minutes each morning, my close up vision became even better. Now I can read even fine print like food labels.
It’s amazing.
If you’re interested, here’s the link:
http://www.amazon.com/Read-Without-Glasses-Method-Gottlieb/dp/B000LMPFFW
Once you get to the point where you can read without glasses, you don’t have to practice every day. I’ve been practicing every 3-4 days or so for 5 minutes per day and I’m easily maintaining my ability to read without glasses.
As a matter of fact, I don’t even need the dvd any longer now that I know how to do the method so if you would like to borrow it, just let me know. You can come by the office and borrow it for a few days and try it yourself.
Hope you have a great weekend. Call me if I can help you with anything at all.
Ken
951-760-3833
P.S. I’ve discovered a service that allows homeowners facing foreclosure to remain in their home for an additional 6-12 months. I’ve researched it thoroughly and verified first hand actual homeowners who are in the program.
If you know anyone facing imminent foreclosure but are in need of additional time to:
•Complete a short sale
•Complete a loan modification
•Find a suitable rental
… please call or send them my way. I can help.
****************************
I turned 47 years old on April 15th.
For the last several months I’ve noticed it was becoming more difficult to read. A couple weeks before my birthday, I came into the office, booted-up the computer and finally it happened … I could no longer read the text on my screen (ditto books and newspaper).
I swiped a pair of my colleague’s drug store reading glasses (thanks, Jon Sheehan) and made do for a few days. It was very depressing. I already wear contact lenses for distance (since I was 18) and did not want to deal with also having to lug around a pair of reading glasses.
Then I remembered a conversation I had a few years ago with my Title Rep, Gary Matlock. Gary told me about a method of ‘eye exercises’ that strengthens the eyes and eliminates the need to wear reading glasses.
Long story short: I Googled ‘read without glasses’ and discovered a dvd product sold through Amazon.com called – appropriately – ‘Read Without Glasses’ by Dr. Ray Gottlieb. Cost: $39 bucks.
With a high dose of skepticism, I bought it. When it arrived I watched the dvd and began practicing the method.
Now, you may find this hard to believe but I’m telling you the absolute truth. The next day I could read without glasses! As I continued to practice daily for the next several days for about 5 minutes each morning, my close up vision became even better. Now I can read even fine print like food labels.
It’s amazing.
If you’re interested, here’s the link:
http://www.amazon.com/Read-Without-Glasses-Method-Gottlieb/dp/B000LMPFFW
Once you get to the point where you can read without glasses, you don’t have to practice every day. I’ve been practicing every 3-4 days or so for 5 minutes per day and I’m easily maintaining my ability to read without glasses.
As a matter of fact, I don’t even need the dvd any longer now that I know how to do the method so if you would like to borrow it, just let me know. You can come by the office and borrow it for a few days and try it yourself.
Hope you have a great weekend. Call me if I can help you with anything at all.
Ken
951-760-3833
P.S. I’ve discovered a service that allows homeowners facing foreclosure to remain in their home for an additional 6-12 months. I’ve researched it thoroughly and verified first hand actual homeowners who are in the program.
If you know anyone facing imminent foreclosure but are in need of additional time to:
•Complete a short sale
•Complete a loan modification
•Find a suitable rental
… please call or send them my way. I can help.
****************************
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