Fun Stuff

Blackhole Exploit on Gobal Recruiting Roundtable

2011-03-02T18:58:00.001-08:00

All I wanted was some good stats on LinkedIn. This is just a way to show using a good virus protection program can save your tail on the interwebs. What is the Blackhole Exploit Kit? http://community.websense.com/blogs/securitylabs/pages/black-hole-exploit-kit.aspx

Posted via email from Social Media Safari (Mostly photos :)

Frigorific

2011-02-23T15:14:00.001-08:00

Posted via email from Social Media Safari (Mostly photos :)

WordPress - the website you can update yourself

2011-02-20T12:50:00.001-08:00

Back between 1995 and about 2000 one of the most costly website jobs to program was a dynamic and interactive website the user could update and maintain on their own. During that period I was able to create some pretty amazing sites, or extensions to sites, for companies like Loomis&Fargo, Shari

via thekencook.com

Posted via email from Social Media Safari (Mostly photos :)

6 months from now this is on a sandwich

2011-02-02T16:54:00.001-08:00

it's only February but we're already starting our tomato plants in our grow light. And you thought they were only for growing weed.

Posted via email from Social Media Safari (Mostly photos :)

Kickin' Carrot Juice

2011-01-22T15:08:00.001-08:00

4 organically grown carrots
1 organically grown cucumber
1 North Georgia Granny Smith Apple
1 small imported jalapeno pepper with pith and seeds

Yum!!!

Posted via email from Social Media Safari (Mostly photos :)

Welcome 2011 and great new technology ... or not?

2011-01-02T11:03:00.001-08:00

What should we expect in 2011? I think we should expect radical new technology. Personally I would like to be able to speak into my telephone and create a blog post. That would probably lead to some transcendental, meta-babble. Ok, wait. That's actually what I'm doing now. How about hovering,

via thekencook.com

Okay, it's a little observative and projective but you'll get the point: the power is within us to reach higher, go farther, move faster, understand more deeply. It's a clarion call to take everything you do a notch higher and to share the ideas you have even if they seem unachievable, silly or even absurd.

Posted via email from Social Media Safari (Mostly photos :)

Welcome 2011 and great new technology ... or not?

2011-01-02T11:00:00.001-08:00

What should we expect in 2011? I think we should expect radical new technology. Personally I would like to be able to speak into my telephone and create a blog post. That would probably lead to some transcendental, meta-babble. Ok, wait. That's actually what I'm doing now. How about hovering,

via thekencook.com

Posted via email from Social Media Safari (Mostly photos :)

Okay, that's good

2010-08-10T14:54:00.001-07:00

There are two thing certain about the weather in Atlanta:

1. No matter how the weather is right now it can be totally different in a couple of hours
2. You can never be certain about the weather

Either way you look at it the weather today is not to hot for golf but better to be inside helping someone get an FHA mortgage for their next home purchase

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Cobb County Republican BBQ

2010-07-03T10:35:00.001-07:00

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

My office is at the other end

2010-06-10T12:20:00.001-07:00

Seriously - around the corner to th left then back to the right.
678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Toys! Clear 4G nationwide baby!

2010-06-09T08:32:00.001-07:00

With my new position as Community Outreach Leader the southeast is my community and now I can go mobile at up to 4G speeds.

Could also be titled, "how to get a geek to smile" :))

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Old school business cards ...

2010-06-02T09:47:00.001-07:00

I have these because the company pays for them and I truly appreciate it. If I can jus come up with another regulation about what to print on these I can turn it into a newsletter!

Do you use business cards? If so what is their purpose for you? If not why not and what do you do instead?

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Best Korean BBQ on Sandy Plains!

2010-05-21T15:50:00.001-07:00

Tofu Village is one of our favorite treats!

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

@TarynP presenting at Social Media Breakfast Atlanta

2010-05-20T06:28:00.001-07:00

Haven't joined us? 33 movers and shakers joined us today. http://SMBATL.icobb.com

@AtlantaWineGuy also presented to us and next month we will hear from @SmallBizTwit
678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Looks like I have a date with a water pump. Yay. Who wants ribs? Bring yer tools.

2010-05-12T13:20:00.001-07:00

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Taste of Marietta

2010-04-25T11:29:00.001-07:00

Check my Twitter stream for food photos! http://twitter.com/thekencook and check Myra's Lifestyles later for the full story at http://myra.icobb.com
678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Great lunch chat with @bnix about empowering the RE community

2010-04-23T13:18:00.001-07:00

Kayson's Pub on Highway 92 in Woodstock, GA - very good Cuban (wrong bread right taste :)

Excited about 2010-2014!!! And beyond ...

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

reBlog from twitterbits.com: Twitterbits

2010-04-10T08:34:00.001-07:00

I found this fascinating quote today:

If a Tweet falls in the woods and there is no one around to hear it does it make a sound? Worse than that if all of your social media dispensation is robotic tripe you’re gaining negative social equity. That means you’re turning into a black hole of value. (Plain English you’re become less than worthless.)twitterbits.com, Twitterbits, Apr 2010

You should read the whole article.

It's not dirt. It's not snow. It's pollen. Welcome to Marietta, Georgia.

2010-04-08T07:20:00.001-07:00

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Theatre in the Square - new building downtown Marietta, GA

2010-04-04T12:37:00.001-07:00

Located in what was originally a cotton warehouse near what were the main east west roads and north south roads as well as the railway between Atlant and Chattanooga "Theatre in the Square" is celebrating their 27th anniversary.

It is across the street from the "Gone With the Wind" museum and the "Kennesaw House" where Sherman spent his time as his troops rallied before their march through Atlanta and to the ocean.

Call me when you're in town and I will give you the local's tour. After all I've been here for fifty years!
678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from Ken Cook's FHA Loans and Social Media

Guess what we are about to do?

2010-03-24T16:36:00.001-07:00

Baby Jesus eggs!

678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from FHA Loans and Social Media

AP Mobile News story - Convicted rapist on the run

2010-03-18T21:45:00.001-07:00

30062:
http://m.apnews.com/ap/db_8545/contentdetail.htm?contentguid=L7YYucfi

Get news on the go with the Mobile News Network. Visit http://www.apnews.com to learn how to get it for your phone.
678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from FHA Loans and Social Media

I need 3 eyes - or not

2010-03-04T10:15:00.001-08:00

http://retso2010kencook.tumblr.com

Sure, using new media for business and actually making it work is possible. It depends on your goals and technique how much you put into it.
678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from FHA Loans and Social Media

Marietta Georgia snow in March?

2010-03-02T06:16:00.001-08:00

It is rare to have snow in March in Atlanta but the biggest snow we have had here in my lifetim was March 15 back in the early 90s.

Today "they" promised it wouldn't stick on hard surfaces. My drive and sidewalk are covered as is the center lane of the street.
678-439-8683 | FHA Home Loans Atlanta | NMLS ID 208452
http://kennycook.com

Posted via email from FHA Loans and Social Media

Yum! Poached Salmon con Pimiento Rojo

2010-02-14T11:20:00.001-08:00

Just another reason to eat at home. Flash frozen Alaskan salmon filets from Walmart in Marietta / East Cobb for $3.50 per pound. That garnish is frsh mustard greens - crispy and spicy!

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Home made salmon soup ... In Georgia!

2010-02-03T16:49:00.001-08:00

Yes my Alaskan relatives. Thanks to progess in shipping (and you).

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Look, it's just a game okay?

2010-01-31T16:22:00.001-08:00

I kid you not. First draw, first game. Don't say a word. Shhhh.

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Cold night, best friend, warm fire ...

2010-01-29T17:35:00.001-08:00

It's cold and wet in Georgia but we are going to be warm and dry. At least for a couple of days worth of really good wood ;)

Sent on the Sprint® Now Network from my BlackBerry®

Posted via email from FHA Loans and Social Media

Agents Helping Haiti - 6 Power Hour Realtor Charity Webinar to benefit Haiti

2010-01-27T18:03:00.001-08:00

I've got a gift for you today.
It's important you open it now.
Don't wait till you get home or back to your office.

Open the lid of the box...

Agents Helping Haiti lead by Justin Zimmerman is hosting a FREE 6 Power Hour Realtor Charity Celebrity Webinar/Tele-A-Thon to benefit Haiti.

He's allowed me to invite you to this exclusive online Real Estate event.

http://agents-helping-haiti.org/donate.html

If you suffered last year from "bank account blues", "commission claustrophobia", or "short sale sickness"...

Your favorite speakers and leaders have volunteered twelve 30 minute lightening rounds of profit producing, secret telling, myth busting, and 2010 "power-isms" to rock your new year!

Be prepared to learn...

+How write a $10,000 blog post
+Risk v. Reward. Realtor Foreclosue Pitfalls
+Distressed Agents: Settling Your Own Debt
+65 Million in Sales... How to list 500 homes a Year
+6 Figure Referral Business using Strategic Partners!
+Social Media. The Good, The Bad, The Ugly.
and much more!

This FREE event will enrichen you AND also give you a chance to cure real suffering that's happening in Haiti right now.

I will be presenting live at 4:30 Eastern talking about RESPA laws and other ways to violate your clients and end up on the wrong side of success.

Bad news.

This is a ONE TIME event, which is not going to be repeated. So if you miss it, you've missed it for good!

Mark this down, so you don't feel sorry later.

What: Charity RE Webinar/tele-A-Thon
When: Thursday Jan 28th, 2010
Time: NOON EST till 6:00PM
Where: http://agents-helping-haiti.org/donate.html

This Webinar/Tele-A-Thon is FREE and all that is asked of you is to make a donation to the RedCross other non-profit.

Click this link to get the call-in details!
http://agents-helping-haiti.org/donate.html

Being a Realtor is about the protection of private rights and right now our friends in Haiti need all the protection from the perils they face...

Make a difference, large or small.

To Charity and Prosperity,

Join me,
Ken Cook

PS: All donations are made directly to the charities, 100% of what you give goes to the cause!

Reserve your spot now.
http://agents-helping-haiti.org/donate.html

Posted via web from FHA Loans and Social Media

5 piece living set

2010-01-27T16:03:00.001-08:00

$200 Marietta

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

FHA home loan changes

2010-01-25T12:47:00.001-08:00

The Federal Housing Administration, the arm of the Department of Housing and Urban Development which insures mortgages on millions of home, recently adopted some changes and announced a smattering of proposed changes which have the potential of making it more difficult for struggling Americans to enter the housing market or make a change in housing.

Accounting demonstrates FHA loans to be in default or foreclosure 18% of the time when the standard is 14%. Numbers like these are massive compared to ...

READ THE FULL STORY

Posted via web from FHA Loans and Social Media

Green, orange and purple cauliflower ...

2010-01-22T16:48:00.001-08:00

Dare we ask how those colors came to be?

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Negative impacts of new RESPA could hurt buyers

2010-01-15T08:49:00.001-08:00

Experienced mortgage professionals have technology and experience to track rate trends.

AP Photo/.Eugene Hoshiko

If you like this ...

Mortgage interest rates vary

View all »

Every home owner or home buyer should be concerned about the interest rate on their mortgage. Even though the idea of floating the rate, a practice long used to anticipate lower interest rates, has been greatly hampered by the new Real Estate Settlement and Procedures (RESPA) "improvements" it is still possible for an experience mortgage professional to await a better rate.
Mortgage interest rates are locked when the mortgage officer asks for the lender to temporarily hold aside the amount of the loan for a specific number of days. You may have heard of ten day, thirty day or even forty-five day lock periods. Once the loan is locked there generally is little flexibility in adjusting that rate downward even if the overall rates change

via examiner.com

Posted via web from FHA Loans and Social Media

Big news for banks holding unfinished construction

2010-01-12T11:21:00.001-08:00

Existing home sales have seen some increase but the sales of unfinished new homes just got a boost.

AP Photo/Seth Perlman

Driving around virtually any area of greater Atlanta you will see homes sitting vacant and uncompleted. Many of these are homes which were foreclosed upon by the construction financing bank prior to being completed. When the lender was approached last year by the typical buyer the only hope they could offer them on such a purchase was a very high down payment loan with repair escrows. Even the banks who owned the properties were reluctant to lend on them even to the most qualified of buyers.

According to Kim Courtney, an FHA underwriter with AmericaHomeKey, Inc. and Marietta manager Jesse Kight, that particular lender can now make FHA insured 203k Streamlined loans to buyers wishing to purchase an unfinished property.

-- FULL STORY

Posted via web from FHA Loans and Social Media

Pecan pie

2010-01-01T18:32:00.001-08:00

Everyone has their traditions and I love pecan pie. Myra is a wonderful baker and I carry around the proof.

Here's to wishing you all a prosperous New Year. Instead of making a resolution I encourage you to think of how you would like the world to look at the end of 2010 and let nothing deter you from doing all you can to effect the necessary change.

As for me it is to wrest Congress from socialist liberals and return America to the path of fairness, equality and opportunity.

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

'Cause Santa Clause Comes Tonight

2009-12-24T20:39:00.001-08:00

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Ready for the family

2009-12-24T12:23:00.001-08:00

Thanks to the wonderful blessings of God and the privilege of being born into a free nation we are pleased to be the "Home of Christmas" to my family once again.

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

The "Candy Bar"

2009-12-24T12:18:00.001-08:00

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

NMLS training ...

2009-12-16T04:36:00.001-08:00

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Rasmussen: Tea Party outpolls Republicans - On Politics - USATODAY.com

2009-12-12T11:00:00.001-08:00

The notion that the Tea Party movement is a vocal minority in the Republican Party may have been put to rest today. A new three-way generic ballot from Rasmussen Reports finds that a Tea Party candidate would fare better than a Republican candidate, 23% to 18%, with the Democratic candidate coming out on top at 36%. The poll also found 22% remained undecided.

There is even better news for a Tea Party candidate when it comes to independents. They chose the Tea Party candidate (33%) over both the Democratic (25%) and Republican (12%) candidates. Nearly a third of independents were undecided at 30%.

via blogs.usatoday.com

Interested in knowing more about the Tea Party or becoming a Delegate for the Patriot Caucus? Visit:
http://taxdayteaparty.com/2009/12/patriot-caucus/ and
http://patriotcaucus.pbworks.com/

Posted via web from FHA Loans and Social Media

Mortgage industry week in review - my Examiner.com article today

2009-12-11T12:05:00.001-08:00

Chris Dodd, Senate Banking and Finance Chair may get a reform bill next week.

via examiner.com

Mortgage reform being considered today in the house may be sent to the Senate as soon as next week.

http://www.examiner.com/examiner/x-30970-Atlanta-Mortgage-Industry-Examiner~y2009m12d11-Mortgage-industry-week-in-review

Posted via web from FHA Loans and Social Media

HR 4173 specifically bans ACORN and affiliates

2009-12-11T11:11:00.001-08:00

Congress doesn't do everything wrong. For example:

http://www.opencongress.org/bill/111-h4173/text?version=ih&nid=t0:ih:4308

Posted via web from FHA Loans and Social Media

Decorating the man cave - season 4

2009-12-08T18:23:00.001-08:00

I like having Christmas decorations in the man cave. You coming over?
678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Agents respond to sweeping FHA changes on the horizon

2009-12-05T07:58:00.001-08:00

Fed Chair Ben Bernanke recognizes the importance of keeping interest rates low at this crucial time.

AP Photo/Mark Lennihan

Reaction is wide ranging on the heels of the announcement by Secretary of Housing and Urban Development Secretary (HUD) Shaun Donovan's announcement that sweeping changes are coming for guidelines for loans insured by the Federal Housing Administration (FHA). Earlier this week Donovan announced to Congress the levels of reserves for FHA are nearly 1.5% lower than mandated by law. In an effort to recover the reserves the department expects to announce several changes in early 2010. Changes may come as early as the first week of January.

Skin in the game is the phrase of the day

""Certainly credit score isn't a guarantee that people will stay in their homes, but the more 'skin in the game' a person has the less likely they are to walk away without fighting for it." Says Jessica Horton of Jessica Horton and Associates in Hampton, Georgia.

via examiner.com

Reactions are definitely varied. Please take a moment and leave your comment at http://www.examiner.com/examiner/x-30970-Atlanta-Mortgage-Industry-Examiner~y2009m12d5-Agents-respond-to-sweeping-FHA-changes-on-the-horizon - it just may make a difference!

Posted via web from FHA Loans and Social Media

They don't call them Christmas cactus for nothing!

2009-12-04T20:34:00.001-08:00

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Very interesting - gold down -3.92 and the only up? Livestock! (Eat more meat :)

2009-12-04T09:10:00.001-08:00

PRICE CHANGE %CHANGE TIME

GOLD 100 OZ FUTR (USD/t oz.) 1170.600 -47.700 -3.92 11:45

via bloomberg.com

If the BLS reports to the Commerce Department and the Commerce Secretary reports to the ... president ... why would they even manipulate the employment numbers? And what would happen if they did? Not saying it happened just asking if it could ...

Posted via web from FHA Loans and Social Media

If they outlaw YSP should they outlaw SEX, too?

2009-12-04T07:13:00.001-08:00

via thinkbigworksmall.com

The only people who oppose Yield Spread Premium from lenders (like me) to brokers (like some of you) are people who have no idea what the difference or similarities are to how lenders are paid and brokers are paid. They also seem to lack the ability (or desire) to understand how YSP is, has been and can be used to benefit the borrower. YES! It has been abused but so has fried chicken and beer. Do you want fried chicken and beer made illegal just because some fool ate too much and drank too much? Or what about sex - it is abused more often than YSP. Would you like sex outlawed so nobody gets any?

Posted via web from FHA Loans and Social Media

FHA changes combined with Fannie Mae changes going to put us into a depression?

2009-12-03T08:55:00.001-08:00

Understandably the mortgage industry and the insurers of loans, including the Federal Housing Administration (FHA), needed to have been doing more to mitigate risk in the previous years. It is no secret what has happened to our economy largely as a result of the imploding of the mortgage industry.

Subprime lending was fueled, in the larger part, by a sense of security served up by the ratings agencies like Standard and Poors. The higher ratings on mortgage backed securities resulted in ...

via examiner.com

So if, say, 30% of the people who can qualify for a home loan today cannot qualify in 29 days from today - is anyone doing the RIGHT thing?

Posted via web from FHA Loans and Social Media

More regulatory changes affecting your mortgage - will it kill brokers and an open/fair market?

2009-12-02T11:57:00.001-08:00

Sen. Sam Brownback, R-Kan. speaks in Washington on Finance Reform.
AP Photo/Jose Luis Magana

Since 1974 one set of documents has remained relatively unchanged. These documents are a federal requirement to every conventional and government home mortgage issued on primary residences in the United States. Before these documents, it is claimed, bankers were able to charge unlimited fees, unlimited interest rates and it was difficult for home owners and buyers to shop mortgages.

via examiner.com

This is my daily mortgage news in Examiner.com - please subscribe for free while you are there and your comments are not only welcome but invited.

Posted via web from FHA Loans and Social Media

Credit guidelines are tightening further - will impact sales

2009-12-01T10:46:00.001-08:00

Effective with all loans submitted to Fannie Mae (FNMA) through the Desktop Underwriter (DU) a fair percentage of borrowers will no longer qualify for loans based not on common sense underwriting but rather on an automated decision. Fannie guidelines have allowed total debt ratios to exceed the forty-five percent cap especially when there were other circumstances such as long time established credit, more liquid reserves than normally required or installment loans which have a short time remaining before pay off.

via examiner.com

Hang on real estate agents. Getting those buyers approved is getting tougher 12/12/09 - you can thank the failing Fannie Mae. Read the full article and subscribe for daily news updates.

Posted via web from FHA Loans and Social Media

Join us today for our 52nd Social Media Edge Radio Show!

2009-12-01T06:34:00.001-08:00

Social Media Edge Radio

Today (Tuesday December 1, 2009) at Noon Eastern join me an my co-host Jason Crouch http://austintexashomes.com for our 52nd show since Jason joined me at the microphone in 2008. Our special guest today is Miamism herself, Ines Hegedus-Garcia http://miamism.com - Ines is a noted speaker and presenter around the nation, a gifted photographer and an amazing real estate success story from Miami.

Joining us also will be our regular crew consisting of Mike Mueller (The Pantless Techie) http://areweconnected.com, Jeremy Blanton of Active Rain and Myrtle Beach Blog http://myrtlebeachblog.com, TS Elliott of http://brandmediapr.com and our newest crew member, Clint Miller of http://realestateclientreferrals.com

If it's nothing else it's always entertaining and you can listen to every show at http://blogtalkradio.com/jckc

Our network also hosts two other new shows which are both doing well: The M Files every Monday at 3PM Eastern (Noon Pacific) with Mike Mueller and TQ Radio every Monday at Noon with the Twitter Queens Diane Guercio, Maya P. and Lesley Lambert.

Posted via web from FHA Loans and Social Media

@MyraCook and Derek Nicholas Hill

2009-11-30T20:43:00.001-08:00

Our practice grandbaby born to friends Nick and Diana the day before Thanksgiving.

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Monday's Examiner.com article - Mortgage application denials?

2009-11-30T12:26:00.001-08:00

Link to the article here

Some numbers simply do not have the weight to capture headlines yet still are very telling about the mortgage industry and the economy. While researchers track numbers like housing starts, the number of applications accepted or the rate of foreclosure you rarely, if ever, see numbers which may tell a deeper story. In this instance the subject is the number of denied mortgage applications.

If you have your story to share I would love to hear it. Just call me at 678-439-8683

Posted via web from FHA Loans and Social Media

HUD continues $100 down program - my article today on Examiner.com

2009-11-29T10:44:00.001-08:00

Atlanta, as well as other major metropolitan areas, is well inventoried with foreclosed homes owned by the Department of Housing and Urban Development (HUD). A search at the HUD sales site for Georgia at the time of this article resulted in 2292 listings of single family properties owned by the Department. With listing time averaging as much as nine months it is easy to understand how the seller with the best incentives will stand a great advantage in the market.

via examiner.com

With 2292 HUD owned homes listed for sale in the Georgia market taking advantage of the FHA/HUD $100 down payment program makes more sense for home buyers who may also qualify for the home buyer's tax credits.

In Georgia call me at 678-439-8683 or email me at reibroker@mail.com and I'll help with answers to your questions and as much guidance as I can. If you are an agent I can show you how to capitalize on this program and will consider co-marketing with you.

Posted via web from FHA Loans and Social Media

The "White" Tree by @MyraCook

2009-11-28T14:49:00.001-08:00

Download now or watch on posterous

VID 00003.3GP (202 KB)

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Buy and bail: Walking away from mortgages (my Examiner.com article today)

2009-11-28T11:16:00.001-08:00

My Examiner.com Mortgage Industry article from 11/28 -

Industry insiders call it buy and bail. Home owners faced with rising rates or simply declining values will purchase a new home at lower market prices and lower fixed rates and simply leave the other property to be foreclosed upon. Many call into questions the ethics of such a decision while others defend it as a solid business move saying it is neither immoral nor unethical.

Brent T. White, a University of Arizona law school professor, recently published (read it all and subscribe for free :)

Posted via web from FHA Loans and Social Media

It's beginning to look a lot like ...

2009-11-27T13:31:00.001-08:00

Christmas! Now where's my remote?

678-439-8683
FHA Home Loans

Posted via email from FHA Loans and Social Media

Welcome the Season of Joy!

2009-11-25T19:38:00.001-08:00

FHA/VA/Conv - Construction
FHA 203k Rehab Loan Specialist
Cell 678-439-8683
http://kennycook.com

Posted via email from FHA Loans and Social Media

Reverse mortgages under fire

2009-11-25T18:50:00.001-08:00

Some of you know I am writing at Examiner.com as the Mortgage Industry Examiner from the Atlanta edition. There are many viewpoints and experiences with reverse mortgages. I would love to read yours or hear them. Feel free to call and share at 678-439-8683

Essentially the HECM is a refinance loan which works in the reverse manner from a standard home mortgage. Instead of the home owner leveraging the equity in their property and borrowing a lump sum using their home as collateral the lender will send a check to the home owner on a monthly basis and slowly consume the equity.

http://www.examiner.com/

Posted via web from FHA Loans and Social Media

This morning's article on Examiner.com - thanks for reading!

2009-11-24T10:36:00.001-08:00

My article this morning on Examiner.com should be shared with all of your friends, family or clients who may be facing foreclosure, default or bankruptcy.

With the equity bleeding out of American housing, increasing numbers of jobless home owners and Federal bank bailouts not working according to plan it is the perfect storm for raiders of hope.

http://www.examiner.com/examiner/x-30970-Atlanta-Mortgage-Industry-Examiner~y2009m11d24-FTC-and-HUD-urge-caution-about-loss-mitigation-and-foreclosure-rescue-companies

Posted via web from FHA Loans and Social Media

Life's too short for oatmeal

2009-11-23T18:01:00.001-08:00

My wife will probably think I came up with this ad campaign.

Nope.

FHA/VA/Conv - Construction
FHA 203k Rehab Loan Specialist
Cell 678-439-8683
http://kennycook.com

Posted via email from FHA Loans and Social Media

Improving privacy on Facebook is easy | Twitterbits

2009-11-22T18:55:00.001-08:00

Facebook users with more than two friends may want to choose which friend can access which information. Using the game “Armies” as an example let us review how simple it is to create a separate user group and choose how members of that group can interact with you on Facebook. I have chosen Armies because my wall was recently violated by an endless stream of posts from a member of that group. Instead of blocking her, which would have removed her as a valued member of my army, I chose to block all members of my group ARMIES from almost all of their ability to interact with me.

Since there are “real friends” on ARMIES I also created a subgroup called “ARMFRIENDS” to which I can add them so they can interact with me on my wall and other aspects of Facebook.

First you need to create a group. If you have never done so it is very simple.

Log in to your Facebook account

Click on the “Friends” link in the blue link bar at the top of the page

Click on the “Create New List” button

Enter the name of your new list in the text field in the pop-up

Add members to the list

Click the “Finish” button

Now that you have a list created and have added members from your contacts to your new list you can set the privacy setting for that group. In fact you can pretty much keep everyone from that group from doing almost anything with you. The following steps will allow you to block members of your new group from interacting with you as members of that group. Keep in mind if a member of this group is also a member of another group they may be able to interact with you as members of that other group according to the privacy settings for that other group.

Log in to your account

Mouseover the “Settings” link in the blue link bar at the top of your screen

Click on the “Privacy Settings” link

Click on the “Profile” link

Start selecting the drop downs and click on “Customize”

Features that allow you to block entire lists will a text field labeled “Except these people”

Type in names of individuals or entire lists

Repeat for every attribute you wish to block

Click the “Save Settings” button

You just modified your privacy to block an entire list!

Remember, if there are people who are on that list you wish to be able to interact with you then you MUST add them to another list which allows them to interact with you in the ways you wish. Also if someone you want to block is on two or more lists they may still be able to interact with you through one of the other lists they are on.

Be sure to list to Social Media Edge Radio every Tuesday at Noon Eastern. This week’s special guest is @ChrisBrogan

Follow me on Twitter @TheKenCook

via twitterbits.com

Posted via web from FHA Loans and Social Media

Take 2! Chris Brogan live on Blog Talk Tuesday

2009-11-22T15:24:00.001-08:00

Download now or watch on posterous

VID 00001.3GP (954 KB)

If you caught the first video of my cats I apologize :)

Here's the deal - this Tuesday on Social Media Edge Radio join us for our guest Chris Brogan at noon EST at http://blogtalkradio.com/jckc this Tuesday, November 24

Make sure to join oir Facebook page at http://facebook.com/socialmediaedge - consistently a top featured show on Blog Talk Radio in the Social Media genre
FHA/VA/Conv - Construction
FHA 203k Rehab Loan Specialist
Cell 678-439-8683
http://kennycook.com

Posted via email from Georgia Mortgage Man

Happy Anniversary @MyraCook

2009-11-20T17:49:00.001-08:00

11 years ago tonight was my last night as a single man for on the next day my beautiful bride, my wonderful angel, would share my life.

It has been a wonderful first 11 years and starting out together as mission workers foreign and domestic we have seen more things in our 11 years together than many people see in a lifetime.

From our humble marriage day to blessings of financial wealth and back to somewhere in between we have never once had an angry night. Many find it odd since we have always worked together and been husband and wife. The truth is we both always want to be just an arm away.

I am so thankful my mother got to know my precious wife for 9 years and even more grateful to God for bringing her to me. If you don't know the story of how a little Kenaitze girl from Anchorage, Alaska ended up with a snaggle-toothed southern boy just call me - I love to tell the story of Jesus and his love.
678-439-8683
FHA Home Loans

Posted via email from Georgia Mortgage Man

Atlanta Social Media Breakfast

2009-11-19T09:16:00.001-08:00

What a wonderful group we had at Atlanta Social Media Brakfast today at the Atlanta Bread Company in Kennesaw/Atlanta Georgia. The topic today was none other than Posterous.

If you are not yet familiar with Posterous I just used it to post this short blog and photo which you may have found on Twitter, Facebook, Xanga, Tumblr or Wordpress.

If you are in the Atlanta area please join us for our next event in January. Read more at http://smbatlanta.icobb.com
678-439-8683
FHA Home Loans

Posted via email from that mortgage guy

Social Media Breakfast Atlanta - Join us Thursday morning

2009-11-17T21:03:00.001-08:00

Featured topic is POSTEROUS - which I used to post this to Facebook, Twitter, Tumblr, Xanga and some more - all with one posting. If you are a Posterous user come share with us.

STILL LOOKING FOR PEOPLE TO STEP UP TO LEADERSHIP POSITIONS

Join us at 8AM on November 19th at:

Atlanta Bread Company Town Center
2555 Prado Lane
(Barrett Pkwy Prado Center)
Marietta, Georgia 30066
770-420-9225
MAP

Our inaugral meeting in Gwinnett brought in 20 people for a fantastic time of sharing, learning and , of course, eating!

The main topics of discussion for this meeting will :

Top Social Media Websites like Posterous and Facebook
Top Social Media Tools like TweetDeck
The Line Between Social and Unwelcomed
Maximizing the Value of the PROFILE!

RSVP is FREE and REQUIRED – click here to RSVP for free!

Since the land mass of the metro Atlanta area is larger than most we will have rotating locations until we can establish leadership for each region – Northeast (Duluth/Alpharetta/John

Save as PDF

Posted via web from that mortgage guy

What is Subject To?

2007-01-29T22:03:00.000-08:00

Many gurus ask you to spend up to $5000 or more just to learn how to handle this simple type of investing. What I have never heard them do is to tell the downside.

Simply put this means "subject to the existing loan". In other words, assumption. The difficulty is that most mortgages originated in the last 15 years or more have not been assumable. This technique involves the use of the Quit Claim Deed to transfer control (ownership) of the property from the mortgagor (homeowner) to a buyer.

You will often see this advertised as "owner financing" when there is an existing mortgage on the property.

The downside is that this type of transaction always violates the Due On Sale Clause (acceleration clause) in today's conventional mortgages.

For more information on this type of transaction and any type of real estate investing visit REI Desktop

Real Estate Investment Financing

	PRICE	CHANGE	%CHANGE	TIME
GOLD 100 OZ FUTR (USD/t oz.)	1170.600	-47.700	-3.92	11:45