What do many Facebook users forget to do with their profile?

What do many forget to do on their Facebook profile?

Watch the video to find out what that is, which is a key part in how transparent you want and don't want to be to the public at large, when using Facebook, a top 10 Social Media Site. Plus last week's Trivia question winner, my new favorite coffee shop in Camas, Washington, and upcoming events! Enjoy! :-)

Quote of The Day

Patience is the art of hoping
~ Luc de Clapier

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Today's Mortgage Rates Watch & Real Estate/Mortgage News

Rates look like they are sitting fairly stable at the 5.25-5.5% range (5.67%-5.89% APR) on a Conventional 30 YR Fixed Loan, NO pts, 20% down (80% Loan To Value), Owner Occupied, with 740 or higher FICO credit score.

The benchmark 30-year fixed-rate mortgage fell 10 basis points, to 5.7 percent, according to the Bankrate.com national survey of large lenders. A basis point is one-hundredth of 1 percentage point. The mortgages in this week's survey had an average total of 0.48 discount and origination points. One year ago, the mortgage index was 6.53 percent; four weeks ago, it was 5.65 percent.

The benchmark 15-year fixed-rate mortgage fell 9 basis points, to 5.07 percent. The benchmark 5/1 adjustable-rate mortgage fell 9 basis points, to 5.17 percent.

Mortgage rates didn't move much in the days before today's release of the June employment report, as mortgage bond investors hedged their positions. The consensus estimate on Wall Street was that the employment report would show that the economy shed about 365,000 jobs in June. If the number of jobs lost was to be substantially higher than that, mortgage rates might fall; if the number was to be much lower, the result could be higher mortgage rates.

More eligible for refis

In other news, the Obama administration expanded the number of people who will be eligible for mortgage refinancing. The Making Home Affordable refinancing program will now be available for loans of up to 125 percent of the property's value. Previously, the limit had been 105 percent. (You can calculate your loan-to value ratio here.)

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UPCOMING EVENTS
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"Getting Connected Through Social Media" Class
for Real Estate Professionals, 3 CE Clock hours

Date: Thursday, July 23, 2009
Time: 1 -4 PM
Location: Keller Williams, Downtown Office
915 Broadway Ste 100, Vancouver, WA 98660

== Cost: $27 Early Bird special before Midnight, July 21, 2009 ==

Learn how getting connected and participating in the conversation online where your clients, prospects and audience is, using Social Media tools, is important to your Real Estate business. Produced by Natalie Danielson of Professional Directions/Clockhours.com and taught by Ed Bisquera and Natalie Danielson.

Details at the event signup page here:

Getting Connected through Social Media Class for Realtors.

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TODAY'S FREE LUNCH TRIVIA QUESTION OF THE DAY

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What's the least popular month for weddings?
Answer: YOU TELL ME! :-)

So, for every correct answer that is either either replied via Facebook (post a reply/comment on my wall under the question) or Twitter (send me an @edbisquera reply) or post a comment here below on my blog, gets entered into a drawing to win a FREE Lunch to Blackstone, Gift Card valued at $50! Now, you can send me a private message via Facebook and Twitter too with the correct answer; that will get you entered to win.

Again, it's for every CORRECT ANSWER that gets you into the drawing. And I'll post a video recording of me drawing the winner next Wednesday, along with the new Wednesday Trivia for Free Lunch.

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Upcoming Homepath Home Buying & Loan Seminar
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Buy a Fannie Mae Owned Home (Bank Owned, REO Properties)
in the State of Washington
WITHOUT AN APPRAISAL!

Date: July 21, 2009
Time: 11 AM (45 minutes)
Location: 1001 Main St Suite A
Vancouver, WA 98660

Sign up for event here

We'll discuss at an upcoming Homepath Seminar how you can get a home, Owner Occupied or Non-Owner Occupied, in any state, especially Washington and Oregon, where:

1. A Homepath Mortgaged Home Loan requires NO APPRAISAL upon purchase
2. A Homepath Home Renovation Loan can be used for improvements (on designated properties only).
3. A Homepath Home requires NO MI (Mortgage Insurance)
4. A Homepath Home can be up to 97% Loan To Value (3 % down payment)
5. A Homepath Home can also be bought by investors up to 90% Loan To Value (only 10% down).

For more information, read a post about Homepath Homes for Sale, by my Senior Mortgage Consultant, Bill Black, Broker of Record here at Loan Network LLC (formerly America One Finance).

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Visit http://scribeit.org to read more about our Trivia winner, Joanne Laurent

Stay tuned to the next video blog post!
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Thanks again and speak with you soon!
Ed Bisquera, 360-597-8283 cell

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