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Email archives - 9 -02
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Go to Edit, then Find in Page. Some of them have been edited from the
original to correct typos and new information! I have been sending them since June, 1994.
Only one email newsletter in
9/02.
Date: Thu, 26 Sep 2002
Subject: I'm Baack!! KY scam/free money
++++++++++ Thanks to Our Loyal Sponsor!! ++++++++++
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very easy to use for those ordering appraisals.
Here's what an appraiser says -
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$7.00 a month. Count me in!!" Ed Gray, SRA, Bexar County, TX
For more information, go to http://www.appraisalorder.com/ or call (210)
930-6306.
AOL Users: <a href=http://www.appraisalorder.com> Click Here</a>
++++++++++++++++++++++++++++++++++++++++++++
"Missing" emails
---------------------------
No, you haven't been "dropped" off this list!
I haven't sent any weekly emails since July 22, the longest lapse since I
started them in June 1992.
In mid-July both my husband and my mother were in the hospital. My husband
is fine but my mother is not doing well. It took almost two months, and 3
transfers, to find a nursing home that we liked.
So I took my own advice and put my family above my businesses, both
publishing and appraising, cutting out all non-essential activities such as
this email newsletter and cutting way back on my appraisals for the past 2
months.
During the dot-com boom of 1999-2000 they had gotten longer and more
complex, taking 2 to 4 hours a week to produce. I was getting advertising,
to support the time required.
However, I never have enough room in my printed monthly newsletter for all
the news and tidbits. So I am resuming the weekly emails, making them much
shorter and similar to those I sent prior to the dot-com days. There is
always some news or computer tip to send out. This email is longer as it
includes "left over" material from my October printed newsletter.
The emails are designed as a supplement to my printed newsletter, but all
are welcome to subscribe. They will be send out during the middle of the
week, probably Wednesday or Thursday.
Rates down - appraisers swamped with work
-----------------------------------
Are you only taking mortgage work from loyal clients, or from new clients
you have wanted to get for a long time? If not, you will never get control
of your business...
The Market Composite Index of mortgage loan applications -- a measure of
mortgage loan applications for purchases and refinancings -- for the week
ending September 13 increased 4.8 percent to its second-highest-ever level
of 1183.8 on a seasonally-adjusted basis from 1130.1, according to the
Weekly Mortgage Applications Survey of the Mortgage Bankers Association of
America (MBA), which was released today. The record high of 1238.2 was set
the week ended September 6, 2002. Last week was the ninth consecutive week
that the Market Composite Index has been above 1000. On an unadjusted
basis, the Index increased 4.5 percent and was up 85.7 percent compared to
the same week a year earlier.
The MBA seasonally adjusted Purchase Index increased to 359.7 from 357.4
the previous week. The seasonally adjusted Refinance Index increased to its
second highest ever level of 5977.2 from 5625.0 the previous week. The
record high of 6104.3 was set the week ended September 6, 2002. Last week
was the ninth consecutive week that the Refinance Index has been above
4000, and the Refinance Index has been above 5000 during seven of those
nine weeks. Other seasonally adjusted index activity included the
Conventional Index, which increased to 1720.0 from 1644.1 the previous
week. The Government Index increased to 288.9 from 272.4 the previous week.
Refinancing activity represented 74.8 percent of total applications,
increasing from 73.6 percent the previous week. The highest refinance share
of 78.4 percent occurred the week ended November 9, 2002. The share of ARM
activity decreased to 11.3 percent from 12.5 percent the previous week.
The average contract interest rate for 30-year fixed rate mortgages
decreased to a record low 5.85 percent from its previous record low of 5.90
percent the previous week, with points decreasing to 1.48 from 1.59 the
previous week (including the origination fee) for 80 percent loan-to-value
(LTV) ratio loans. The 30-year fixed rate has now been below 6.20 percent
for eight consecutive weeks and below 6.50 percent for 14 consecutive weeks.
New in the September and October issues of Appraisal Today
----------------------------------------------------------
- Will you still be appraising when you're 85?
- Have more successful business - take control of your time
- Increase productivity by hiring support staff
- FHA field review contracts available
- Mentoring tomorrow's appraisers
- AQB rescinds USPAP exam requirement
- 10 indicted in KY mortgage scam
- Form your own appraisal group
- MLSs' ponder data sales
- Appraisers say BLM-U.S. land swap a giveaway
- MBA and Fannie predict originations over $2 trillion
- AI and ASHI propose junking Homebuyer Summary Report
Both issues are included when you subscribe to Appraisal Today.
Subscribe to Appraisal Today!
-----------------------------
If you don't already subscribe .... To get all the news, not just the
headlines and links, subscribe to my monthly "paper" and PDF Appraisal
Today newsletter for $99 per year ($149 for 2 years), call 800-839-0227 or
fax 800-839-0014 (credit card orders) or send your check (made out to RECR)
to 2015 Clement Ave., Alameda, CA. Order online or print out an order form
at http://www.appraisaltoday.com/orderfrm.htm
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To order a FREE sample issue or get more information, go to
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800-839-0014 . AOL Users: <a
href=http://www.appraisaltoday.com/sample.htm> Click Here</a>
83 indicted in Cleveland mortgage scam
----------------------------------------
An announcement from the U.S. Attorney's office in Cleveland said that 30
employees from six American Home Loan Cleveland-area franchise offices were
implicated in a mortgage fraud scheme.
Other defendants accused of being co-conspirators include appraisers,
underwriters and an accountant.
It's the usual story - fake income verification, fake deposit
verifications, fake employment, and phony invoices for property
rehabilitation services.
For more information go to http://www.mortgagedaily.com. Registration is
required.
List of AQB certified USPAP instructors available
-------------------------------------------
Starting January 1, 2003, mandatory USPAP classes must be taught by
Appraisal Foundation certified instructors.
Starting September 1, the Appraisal Foundation is publishing list of
certified instructors.
Go to http://www.appraisalfoundation.org. The link is on the home page or
try News or Qualifications.
Free money
---------------
No, this doesn't have anything to do with appraisals! Lots of people have
unclaimed funds from old savings accounts, etc. Now there is one place to
check - http://www.unclaimed.org for links to all the state unclaimed
property funds.
You can also try a national site, http://www.missingmoney.com. I found this
site much more limited than the individual state sites, but several states
without online searches referred me to this site.
The site is run by The National Association of Unclaimed Property
Administrators (NAUPA) is a non-profit organization affiliated with the
National Association of State Treasurers. Members represent all states and
the District of Columbia.
You can use all states and names you have used to check for missing funds.
I had used California's missing funds site a few years ago, but didn't know
how to check from other states.
I searched for any claims under my maiden name, Tardiff, in California.
There were 34 claims, but none for Ann. There were 3 Ann O'Rourke claims,
but none were mine.
Some states take quite a while to pay your claim.
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