What are rates doing this week?

A short video going over information that might cause interest rates to move... in what direction who knows!

Interesting things you see downtown

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This is one of the lovely things about the Louisville Kentucky area.

you never really can tell what you're going to see or who you're going to run into.

Today I ran into the gentleman who plays the trumpet at the beginning of each race at Churchill Downs plus I also ran into all horse he friend!

Come on down to the fourth street live area it's always interesting!

Jim Barber
www.JimTheMortgageMan.Com

This reminds me...

This reminds me of something... Mmmmm... oh yeah! When we had one bridge out and it was called Shermagedon! But it's not as bad as all that.

Have a happy and safe thunder over Louisville exclamation for

Happy Anniversary, Envoy!

FOR IMMEDIATE RELEASE

Envoy Mortgage Celebrates Its 15th Anniversary Amid Strong Growth

Envoy's mortgage production up 400% since 2006 in an industry that has shrunk 68%

-A top 30 lender, Envoy was the first to create an entirely 

paperless loan in a completely electronic environment-

Houston, TX – April 9, 2012 – Envoy Mortgage, a full-service mortgage banking company with more than 80 retail branch locations across the United States, celebrates its 15th anniversary this year. One of the nation's 30 largest lenders by origination volume the company currently originates loans in 45 states.

“Celebrating our 15th anniversary is an important milestone in the mortgage industry. As the industry’s mortgage production has shrunk by 68 percent since 2006, Envoy’s production has shot up by 400 percent,” said Rick Thompson, CEO of Envoy Mortgage.

Envoy Mortgage is, and has always been, a 100-percent prime credit lender, with purchase mortgages representing the majority of its originations. Conventional conforming loans make up half of the company’s lending production, with FHA, VA and USDA loans constituting the other half. Envoy Mortgage recently commenced operations in Nebraska and is dedicated to expanding its retail branch presence from 44 to all 50 states.

“We constantly search for ways to do what we do better, and that means capitalizing on the talents of every single one of our employees—including those on the ground meeting with customers to those who are working to build up our internal technological capabilities," said Pat Walden, president and COO of Envoy Mortgage. "There is no real recipe for this kind of dedication. Our success is the reward.”

Since its founding in 1997 the success of the company has resulted from focusing on the values of putting the customer first, creating relationships based on trust, and leveraging technology to realize operational efficiencies, which have directly benefited its growing national base of customers with its speed of loan closings and customer savings.

Originally named First Houston Mortgage in 1997 by co-founders David Zugheri and Dana Gompers, the company began as a two-man operation that was funded by their pooled, scant retirement savings. They shared one computer and answered the phones themselves. At the time, Gompers served as chief executive officer and Zugheri as president. Today, Envoy Mortgage boasts more than 800 employees and has grown into a nationwide mortgage presence with retail branches in nearly every state.

“After two months into our new venture, we were in the black,” said Gompers, Envoy’s executive vice president and co-founder. “Fifteen years ago, we looked at people like us to see how they were doing business. We quickly realized the people who were successful treated their employees and customers well. They knew how to manage and lead.”

In 2004 Envoy Mortgage began its efforts to remove paper from the mortgage loan process, not only to create electronic efficiencies but also to demonstrate environmental responsibility. In the same year the company launched its own completely electronic mortgage origination system and in 2007 became the first mortgage banking company to deliver an entirely paperless loan file to borrowers and investors. Garnering national attention, Envoy has saved more than 50 million sheets of paper since implementing its cutting edge paperless systems and technology.

“It was a conscious, strategic move,” said David Zugheri, Envoy’s co-founder and executive vice president. “We were looking for a way to lighten the impact on the environment and also create a way to do our business more efficiently. The premise was that we could achieve both outcomes with this idea.”

In order to accommodate its nationwide growth, First Houston Mortgage changed its name to Envoy Mortgage in 2008. At the same time Envoy adopted the mission statement: Preserving the Dream of Home Ownership. The four partners—Zugheri, Gompers, Thompson and Walden-- came together and established the vision for the company: “A champion mortgage team leading the new era of lending.” Most importantly they knew that company values needed to be created and put into writing. Today, Envoy exemplifies its values: Put people first, commit to excellence, create innovative change, work with passion and always do the right thing.

About Envoy Mortgage

Envoy Mortgage is a full-service mortgage banking firm headquartered in Houston, Texas that operates a network of more than 80 retail branch locations across the U.S., currently originating loans in 45 states with several more pending. The branches offer a full menu of loan products, and knowledge and expertise in all areas of the residential mortgage lending industry. Envoy’s technology enables the company to maintain a completely paperless, in-house origination process, reducing costs and improving efficiencies. The company was originally founded in 1997 as First Houston Mortgage and later changed its name to Envoy Mortgage. For more information, visit www.envoymortgage.com.

PRESS CONTACTS

Thu-Lynn Huynh

National Sales & Marketing Support Coordinator

tl@envoymortgage.com

(713) 403-6612

Great FREE Tool!! Panoramic Camera!!!

 

Here is a great free tool.

If you happen to have a smart phone such as an iPhone or an android you have access to some great photographic tools. 

One of these great photographic tools is called 360 P camera. It is a great way of taking panoramic shots of your listings are just about anything and uploading it to your website to Facebook or any place in between.

If you have any questions give me a call at 502-354-8699

Have a Blessed Day!

Jim Barber

Loan Officer - NMLS  ID 146285

Envoy Mortgage, Ltd.

www.JimTheMortgageMan.Com

Direct 502-354-8699

Fax 502-638-5639

Schedule a meeting: Meeting.JimBarber.info

My Life Verse:

"Work hard and cheerfully at whatever you do, as though you were working for the Lord rather than for people."

Colossians 3:23

===========================================

#6666 |Envoy NMLS ID

310 West Liberty Street #709

Louisville, KY 40202

 

For Kentucky FSBO's

My good friend Dave Raymond at Champion Properties is offering a special for all For Sale By Owners in Kentucky.

He will complete the Louisville Board of realtors sales contract and help with any necessary forms to make your transaction complete for only $100!!

Give him a call at 502-876-9659 or visit www.ChampionProps.com

Rates Are Holding Their Ground!

Dispite a weak market today the mortgage rates are holding their grouund at record low levels!

If you have not taken advantage of these low rates to either refinance or buy the home of your dreams... NOW is the time!!

Happy Easter... HE IS RISEN!!

Matthew 28:1-10 

After the Sabbath, at dawn on the first day of the week, Mary Magdalene and the other Mary went to look at the tomb. There was a violent earthquake, for an angel of the Lord came down from heaven and, going to the tomb, rolled back the stone and sat on it. His appearance was like lightning, and his clothes were white as snow. The guards were so afraid of him that they shook and became like dead men.

The angel said to the women, "Do not be afraid, for I know that you are looking for Jesus, who was crucified. He is not here; he has risen, just as he said. Come and see the place where he lay. Then go quickly and tell his disciples: 'He has risen from the dead and is going ahead of you into Galilee. There you will see him.' Now I have told you."

So the women hurried away from the tomb, afraid yet filled with joy, and ran to tell his disciples. Suddenly Jesus met them. "Greetings," he said. They came to him, clasped his feet and worshiped him. Then Jesus said to them, "Do not be afraid. Go and tell my brothers to go to Galilee; there they will see me." (NIV)

The front of our building...

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Here are couple pictures of the front of our main building come visit us at 709 West Liberty.