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12 mortgage tips for 2012 homebuyers

12 mortgage tips for 2012 homebuyers

From John C Maxwell’s “The Maxwell Daily Reader”:

 For years I have made it a practice to write personal notes to others.  I often forget what I have written, but occasionally someone who has received a note from me will tell me what an encouragement it was.  It is in those moments that I am reminded of the sustained and repeated encouragement people receive from the written word.   You never can tell when something you write to others will light them up in down times or sustain them when life gets difficult.

 In the first Chicken Soup for the Soul book, teacher Sister Helen Mrosla recounted how a spur-of-the-moment assignment in class became a source of encouragement for her students.  On a day when her junior high math students were especially ornery, she asked them to write down what they liked about each of their fellow students.  She then compiled the results over the weekend and handed out the lists on the following Monday.

 Years later when one of those students was killed in Vietnam, she and some of the former students got together for the funeral.  Afterward, Mark’s father told the group, “They found this on Mark when he was killed,” and he showed them a folded, refolded and taped paper—the one he had received years before from his teacher.  Right after that, one of Mark’s classmates said, “I keep my list in my desk drawer.”  Another’s wife said her husband put his in their wedding album.  Another said hers was in her diary.  Each person cherished the kind words of encouragement they had received.  That’s the power of a few kind words.

WRITE A NOTE OF ENCOURAGEMENT TO SOMEONE TODAY

Bring the kids to vistit Santa! 

Tuesday Dec 6th, 5:30-6:30pm

6500 W 29th St, Ste 210

Please join us in supporting Toys For Tots and donate a new unwrapped toy while you are visiting with Santa.

Be sure to bring your camera!!!

You may be wondering  why I would call this article a Thankful Thanksgiving. Aren’t all Thanksgivings  thankful? Unfortunately, no. As a person who has experienced more than 75  Thanksgivings, I recognize that being thankful is something that we have to  work at, even on Thanksgiving.

If your home is like  most, your Thanksgiving Day will be very busy, with either traveling to where  you want to go or preparing your home to have others over for the day. Either  way, that can be very hectic and emotionally trying, which doesn’t lend itself  to preparing your heart to be reflective and thankful. In fact, Thanksgiving  weekend is the most traveled weekend in America. Airports are full, and  don’t always provide much room for contemplation of your good fortune.

This means all the  more that if we want to be the kind of people who are characterized by  thankfulness, then we must make sure that we focus on it, and not just on  Thanksgiving Day, but at all times during the year.

Here are a few key  words as well as some thoughts that are simple and practical to apply;  something you can use right away in your quest to become more thankful:

Time. Set aside time regularly to be quiet, to reflect. We  live in the fastest-paced time ever. From the moment we awake to the moment we  collapse into bed, we have the opportunity to go at full speed and never slow  down. If we schedule time every day in which we can be quiet and reflect, we will  free our hearts and minds from the tyranny of the urgent and rushed.

Thought. Give thought to the many blessings that you  have. Living in a consumer culture, most of us are fully aware of what we do  not have and how we absolutely must have “it.” But how often do we  reflect upon that which we already have? Take some time each day and think of  one or two things you have that you may typically take for granted, and then  take a moment and give thanks for those. In fact, I make it a part of my  reflection time to review a list of things that I’m thankful for.

Generosity. Be generous toward those with less and not  envious of those with more. We tend to look at others who may be wealthier than  ourselves and think, “I sure wish I had what he does.” That kind of  thinking breeds envy and jealousy rather than contentment. What can we do to  break that cycle? I would suggest being generous to those who are less  fortunate than yourself. Go to work at a food bank, and not just during the  holidays—everybody works there then—but on a regular basis during the year.  That will remind you of how good you really have it.

Ask. Ask a friend what they are thankful for. You will be  amazed at the answers you receive and you will create a meaningful bond with  your friends as you focus on this powerful question.

  Acknowledge. Lastly, tell those you love how thankful you  are for having them in your life. So many times we neglect to take the time to  craft the words to express to those closest to us what their presence in our  lives means to us. Take the opportunity of Thanksgiving Day to write them a  note, or sometime during the day put your hand on their shoulder, look them in  the eyes and tell them. Let them know what they mean to you, and in return  you’ll begin to create the possibility of deeper, richer, more fulfilling  relationships with those you love.

Of course, we should  do what we can to make the most of the day we call Thanksgiving, but wouldn’t  it be a shame if the only time we reflected on our blessings was that one  Thursday in November? And the answer is, of course! So let’s do our best to be  aware of the many great gifts that we have each and every day of the year. As  we do so we will see our hearts soar and our minds more and more at peace as we  regularly remember and remain aware of our good fortune.

Happy Thanksgiving!

Jim Rohn

Take a look at this article – Greeley is #20 on the list!

http://www.inman.com/news/2011/11/4/top-20-healthiest-housing-markets

Effective for Reservations made after January 1, 2012, CHFA’s Home Financing programs will no longer be available to borrowers with credit scores below 620.  CHFA’s mission has been and continues to be to create a process which not only allows people to achieve homeownership but provides them the education and resources to be successful homeowners, as long as they choose to be.  In today’s environment, CHFA believes it is in the interest of potential borrowers and our organization to serve borrowers who have achieved a credit score of 620 and above.

CHFA will continue to accept Reservations for borrowers who have no credit score and require use of alternative credit.  The RISC Scorecard will remain a requirement for borrowers whos loans are manually underwritten for any reason, and borrwers with credit scores from 620 through 659 where the DTI exceeds 43%.

Please contact us with any questions.

It all starts with your attitude toward people.  Human relations expert Les Giblin remarked, “You can’t make the other fellow feel important in your presence if you secretly feel that he is a nobody.”  Isn’t that true?  Don’t you find it difficult to do something kind for people when you dislike them?

The way we see people is often the difference between manipulating and motivating them.  If we don’t want to help people, yet we want them to help us, then we get in trouble.  We manipulate people when we move them for our personal advantage.   However, we motivate people when we move them for mutual advantage.  Adding value to others is often a win-win proposition.

How do you see people?  Are they potential recipients of value you can give, or do they tend to be nuisances along your path to success?  Author Sydney J Harris said, “People want to be appreciated, not impressed.  They want to be regarded as human beings, not as sounding boards for other people’s egos.  They want to be treated as an end in themselves, not as a means towards the gratification of another’s vanity.”  If you want to add value to people, you have to value them first.

ARE YOU MANIPULATING OR MOTIVATING PEOPLE?

One of the secrets of success is not letting what you cannot do interfere with what you can do.   Today I am known most for my public speaking.  But when I first started speaking, I wasn’t effective.  I remember being really fearful.  Then when I got a chance to speak at an event as a senior in college, I was terrible.  People who knew me then described my speaking style as “stiff.”  But I kept at it.  I began to study effective communicators and spoke to small audiences at every opportunity.  It took me seven years to become comfortable while speaking.  Only then could I develop and hone my communication style.

In time I got chances to speak to larger audiences.  The first time I spoke to over a thousand people was at Veterans Memorial Auditorium in Columbus, Ohio, in the 1970s.  In the 1980s, I spoke to an audience of more than 10,000 for the first time during a youth rally at the University of Illinois.  In the 1990s, I spoke to 68,000 people at the RCA Dome in Indianapolis.  And in the 2000s, I’ve spoken live in events that were simulcast to even larger audiences.

I don’t tell you this to brag.  I say it because when I was afraid during that first speaking engagement, I had no idea where it would lead me.  But I didn’t let my fear rule me.  Instead, I accepted it as the price I would have to pay for personal progress.

Shakespeare said, “He is not worthy of the honeycomb that shuns the hive because the bees have stings.”  Don’t let your fear keep you from taking small steps in your development.  You never know where they might lead.

 PUT FEAR ASIDE AND TAKE A SMALL STEP TO FURTHER DEVELOP YOURSELF.

Once you reach a degree of proficiency in your craft, then one of the best things you can do for yourself is talk your craft with others on the same and higher levels than you.  Many people do this naturally.  Guitarists talk about guitars.  Parents talk about raising children.  Golfers talk about golf.  They do so because it’s enjoyable, it fuels their passion, it teaches them new skills and insights, and it prepares them to take action.

I enjoy talking about leadership with good leaders all the time.  In fact, I make it a point to schedule a learning lunch with someone I admire at least six times a year.  Before I go, I study up on them by reading their books, studying their lessons, listening to their speeches or whatever else I need to do.  My goal is to learn enough about them and their “sweet spot” to ask the right questions.  If I do this, then I can learn from their strengths.  But that’s not my ultimate goal.  My goal is to learn what I can transfer from their strength zones to mine.  That’s where my growth will come from—not from what they’re doing.  I have to apply what I learn to my situation.

The secret to a great interview is listening.  It is the bridge between learning about them and learning about you.  And that’s your objective.

MAKE AN APPOINTMENT TO INTERVIEW SOMEONE FROM WHOM YOU CAN LEARN LESSONS ABOUT YOUR CRAFT.

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  Greeley, CO 80634
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