I’m not sure who invented the snooze button on an alarm clock, but I’m willing to bet that 99% of you have whispered a silent prayer of thanks once or twice for the genius of that woman or man.   The snooze button allows us to more gradually transition from a dream state to reality, if you will, and sort of prepares us to take on a new day.   (Wow, that sounded REALLY corny!)   I have a point, I promise. Any realtor/lender worth her/his weight in goose down comforters is always on the lookout for potential clients whether it’s in line at The Home Depot buying PVC pipe, sitting at a local Starbucks sipping on an overpriced beverage, or attending a local church carnival where the most exciting “ride” is a tall sweaty guy who’s spinning kids around like a helicopter.   They’ll strike up a conversation and somehow find out that the person they just met lives in AN APARTMENT.   Bingo!   But then the new acquaintance utters THAT phrase: “Yeah, I just sig...

If you’ve never heard of the comedian Brian Regan, go to YouTube and look him up.   I’d say I’ll wait, but you might be a while – he’s got a lot of great stuff that’s absolutely hilarious.   As a stand-up comedian, he travels a lot, so it was inevitable that the airline would lose his bags at some point.   When they did, he decided to tell the story as part of his act – I’ll do my best to recreate it here: “Oh, hi.   Yeah, my bag?   I gave it to you a few hours ago, and now it’s not spinning around on that thing over there, so I was wondering what sort of hell on earth I should prepare for.”   The clerk at the desk said, “Yeah, if it doesn’t come in on this afternoon’s flight, it’ll come in on tomorrow morning’s flight, and we’ll deliver it to your hotel.   But don’t worry, we have this for you.”   He reached under the counter and produced a small see-through bag with a zipper on top with a label that read “essentials kit”.   “Oh, ...

Today’s edition of Priority Pulse may seem a bit elementary, but a refresher might be a good thing – especially if you either overindulged watching Sunday’s Super Bowl or the result didn’t go your way.   Below, I’ve included a Loan Application Checklist.   Can you correctly explain why each item is required?   You need a “C” or higher to pass – if you don’t, we can give you some tutoring. PROPERTY INFORMATION (if you already have a house) o Purchase agreement o If you are selling your current home, copy of listing and/or contract o If you have sold your current home in the last 6 months, copy of settlement statement (HUD 1) INCOME AND ASSETS o Pay stubs for the last 30 days – most recent For the last two years: o Names and addresses of each employer – for full two years o W-2s / 1099s o Statements for each bank, mutual fund, and/or investment accounts for last three months (ALL pages) If you have made any large deposits to your accounts: o...