The Six Pillars of Online Marketing that every mortgage professional needs in 2018 (and why!)

Right now, there are about 315,000 licensed mortgage professionals in the U.S., as well as countless more lenders working for banks, credit unions, and other financial institutions.

And while there were about 5.5 million purchase loans and over $2 trillion in mortgage originations this year, banks are looking to take on a bigger share of in-house ...

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Your top 10 Blue Water Credit blog posts of 2017

When it comes to credit score, debt, and personal finance, 2017 was one of the most tumultuous and polarizing years on record. We saw the stock market surge, the real estate market come roaring back to pre-2007 levels, and the nation’s average credit score reach 700 for the first time ever.

But we also experienced surging credit card and debt levels, the Equifax hack and other mass data thefts that compromised the records of almost 200 million Americans, and skyrocketing rents ...

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The science of prospecting and lead management – a MUST READ for Realtors, loan officers, and salespeople!

If you’re a real estate agent, loan officer, or work in sales in any capacity, then prospecting is a way of life. Cold calling, door knocking, social media posts, email newsletters, mailing postcards, prospecting phone calls, and even open houses are the tools of the trade. In fact, you probably spend the lion’s share of your ...

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Defining Good Debt vs. Bad Debt

Americans love debt.

In fact, U.S. consumers lead the world in personal debt many times over, with a total debt load of $13.62 trillion these days between mortgages, auto loans, student loans, installment plans, and more. Yes, we’re indebted to those never-ending credit cards, too, with more than $1.021 trillion in credit card charges – the highest in history. Point blank; we’re buying more than ever not ...

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Beware of Robo-Calls and the dangerous new “Yes” scam

“Yes.”

It starts that simply – with you answering affirmatively to a question from an anonymous caller on your home phone, “Can you hear me?”

But that one-word answer can instantly enable scammers to hack your accounts and steal your identity.

In fact, automated phone calls meant to defraud you are so prevalent that they’re called “robo-calls,” since criminal organizations can orchestrate millions of calls a day through ...

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Equifax Data Breach: The Facts and What to Do

If you have a credit report, there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit reporting agencies.

Here are the facts, according to Equifax. The breach lasted from mid-May through July. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers.

Whether your information was exposed, U.S. consumers can get a ...

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EquiHACK! Here’s why you should be seriously angry.

Last week, the credit bureau Equifax made a shocking announcement: they’ve been hacked. Not only has the cyber security at one of the nation’s three biggest credit bureaus breached, but the personal data of up to 143 million of its customers was compromised – which is about half of all U.S. consumers.

According to reports of the hack, the information that cyber-criminals obtained from Equifax’s database ...

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Could the flooding in Houston ever happen in Sacramento? It already did during the Great Flood of 1862

Recently, we’ve seen images on television and across the internet that seemed unimaginable, as the city of Houston was underwater after Hurrican Harvey struck. Of course, our thoughts and donations go out to the victims of Harvey, as we wish them a speedy and safe recovery, but our minds also turn to the inevitable question: could something like that happen here in Sacramento?

Actually, ...

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