Sellsius real estate marketing blog

FUCK!

Understandable Michael. As professionals we communicate via email. If clients or prospective clients don't receive our emails because they were eaten by the spam filter, this may be the reason why. As bloggers we have had to deal with enormous amounts of comment spam, the trickest to catch. Spam Karma 2 seems to work and we highly recommend it for Wordpress.

Hmmmm. I just calmed down a litle, and took the entry in the way it was probably intended: Warning us non-spammers not to use those words so our emails don't get sent to the Bulk folders of our clients and friends. Thanks. (now, Michael, take a deep breath and switch to decaf :-() )

I have a couple of reactions to this entry:
1- Are you helping spammers spam? I hope not! I spend entirely too much of my online time combing through my "bulk" file trying to pick out non-spam emails that were sent there in error, because perfectly acceptable words in the english language have been "tagged" as spam. I almost lost a real estate deal because a client email with the word Mortgage in the title was forwarded to me and was sent to my bulk file, which I deleted without checking. It's kind of like haveing a TiVo and being forced to watch every commercial because you can't trust it to do its job!

2- What about words like: mortgage, real estate, penis, viagra, love, hello, Your Name, sex, ...?

3- I'd like to start a 10 Dirtiest Blogging Words.
#1 - Anonymous - this is the way that negative, blogging terrorists leave their stink bombs on our blogs. I can honestly say that I have NEVER had a constructive reply on my blog left by an "anonymous". Come on, guys and gals, have some guts and either participate in a meaningful way or keep it to yourselves.

You got me going this morning! md

we let you in Steve :)

My name is Steven Krystofiak, President of the Mortgage Brokers Association for Responsible Lending. www.mbarl.org I have a letter in a word document form that highlights the risks of the current loan industry unrealized by regulators and economists alike, mainly due to stated income loans.
Email me at contact@mbarl.org if you want me to send you a copy.

~ Steve Krystofiak
13 main points in the letter are;
1. Stated income loans are associated with fraud, and started to become popular in 2002.
2. Banks originate these loans because they are profitable and then sell them to reduce their risk.
3. Fraud is encouraged by the banks
4. Stated income loans help no one.
5. Exotic loans originated with stated income are now causing foreclosures or forcing homeowners to refinance into negatively amortized loans.
6. Stated income loans are why home prices have skyrocketed. They have caused a large demand in the US housing supply.
7. Banks have sold their loans and have already made their profit. Investors will soon realize stated income loans are too risky and stop purchasing them.
8. Almost anyone can get a stated income loan for $950,000.
9. Stated income loans cost consumers hundreds of dollars a year because of higher interest rates.
10. Stated income loans allow tax cheats to purchase homes easier.
11. Stated income loans are not always faster than fully documented loans.
12. Appraised values are often inflated. Underwriters are basing their decision on inflated home values, inflated incomes and inflated assets. The only “real” number is the FICO (credit) score. This is why underwriters have become focused on FICO scores.
13. Rules are not enough, they must be enforced.