Pat Townsley: Out Standing In My Field

Money doesn't buy homes; People buy homes. Even when I'm 8,842 feet up on the top of Half Dome, I'm taking calls, quarterbacking challenges, insuring the closing of my coveted clients' dreams.
The market is coming around. Loans to Two and Four Million dollars are back on the radar and it's really time to sack-up and pick-up the phone to see what we can see. I've got the nation's top banks to deliver to you and your referrals.
When would Now be a good time to secure your future? In life and in rates, we have peaks and we valleys, and I'm always there, out standing in my field.
Pat Townsley: Relentless. www.ptre.net

Keep The Change!

Change. It's what we all want, right? It was the slogan for the new president, it's what so many want socially, it's what we want environmentally, it's what the homeless are asking for on the street corner, it's what banks often say that you can keep. So, just be careful what you ask for. In the world of banking, there are two sides of the fundamental scales of service: Savings and Loan. Bank loan money (through, say, a broker like myself). Banks also want you to deposit money (savings, CD, money market, investments). The catch is: The cogs and gears are all jammed up. Banks aren't making enough spread on their money, so they're making a LOT of it up in FEES, or in this case, let's call it CHANGE. To increase income, banks are increase NSF fees, transfer fees, early termination fees, ATM fees, bounce check and stop-payment fees. So, check your statements, fight the system, make sure the Change in your bank is Change going into your account. Don't get killed on Bank Fees! Tip of the day. That's my two cents. Make sense? Everything counts in large amounts. http://www.ptre.net/

Will Work For YOU!

Tough times call for tough people. It's time to cowboy-up and brace for some tough times. The past 48 hours has seens some extraordinary events, the foremost being the announcement that Washington Mutual is closing its wholesale lending division. The writing has been on the walls for some time (even though they've been saying they're here to support us with "the year of the broker" and other nonsensical affirmations)...but a complete "See-Ya" was a bit of a rude awakening. This is only one of many more of the major banks making the move. Wells has already priced out Brokers. Wachovia is on the fence but will be making changes. Where will people go to get a loan? Certainly not to these institutions on the Retail side as the majority of Americans won't fit into their guidelines. So, Come join me in my box! I'll work to find you the loan you need. I work inside and outside of the box to make sure my clients achieve their goals. Close on time, every time. Pat Townsley: The Broker who won't go away. 415-485-1776. http://www.ptre.net/