19 years of learning and growing in the mortgage industry and constantly pushing the boundaries to make the process easy, informative, and beneficial for our customers has now pushed us out of the office….Literally! As of Monday, September 11, 2017 we are giving up our physical office and moving into a co-working space that will…
Dave Ramsey MADE ME LOSE A COMMISSION…..and I’m happy about it! I had been working with a client for awhile, to help them get a mortgage to buy a home, when one day they asked me what I thought they should do. YES, finally they may listen to what I have suggested before and have…
Dear Friends, I hope this letter finds you well this holiday. Whatever this season looks like for you, know that we at The Ross Group are thinking of you. As we come to the close of another messy, beautiful year, I wanted to take time to focus on something we all are reminded of this…
I have honestly been guilty of writing checks to my favorite charities, even volunteering my time on the proverbial soup line, thinking that was enough. Now don’t get me wrong, I am not saying to axe generous giving to nonprofit organizations. No, what I am saying is . . . do more. As a small…
Many people have asked why is a mortgage company encouraging people to be mortgage free! This idea has been developing over the last decade or so. The mortgage payment tends to be the main obstacle for customers wanting to leave an unfulfilling job, starting a business, giving more money to charities and causes, going on a much…
[youtube id=”6i5ZW8NCfE4″] As we reflect on 2014, we would like to share some memorable moments. While providing mortgage services is our business and is what we love to do everyday, our core values have helped us enjoy and build on our company’s involvement in the community. Here are some of the highlights from 2014 and…
I love writing the annual Christmas card; it’s an opportunity for me to say “thank you” and to speak from my heart. The theme each year usually comes to me the day the letter is due some things never change. Traditions are something I long for, both preserving and creating. Though our family has lived…
What does the word Home mean to you? That is the question I asked several dozen people in both San Francisco and Los Angeles recently. In the mortgage industry, all to often we get stuck in the nitty gritty of the transaction and achieving a goal of closing a loan on time. The house may be…
What do our core values mean to our business? Simply put, they are the guide for each decision we make for how and why we do what we do. They guide us in making sure that our business practices are a true reflection of who we are as people. Here are Our Values: Socially Minded…
February 19, 2014 we celebrated our third Waffle Wednesday with over 55 people enjoying waffles we made to order, hot coffee, fresh juices and plenty of toppings. While we enjoy making and eating waffles, this quarterly event is about much more than that. Here are a few observations and lessons from Waffle Wednesday: 1. It’s…
Thank you Dr. Martin Luther King, Jr. for your short life of major significance and worthy legacy. One of the most memorable parts of our Ross family six week road trip in 2012 was the day we spent walking through Dr. King’s childhood neighborhood. Sitting in Ebenezer Baptist Church were he first preached, standing in…
Here at The Ross Group Inc. we really do our best to keep you “in the know”. Which means we try to answer all your mortgage questions to the best of our ability so that it will help you now, and in the future, to conquer whatever mortgage issues you run into. Not that we…
[avatar user=”toddross” size=”100″ align=”left” link=”https://www.therossgroup.com/about-us” target=”_blank”] by Todd Ross, Loan Officer Mortgage loan limits in many California counties are being altered, pushed lower in some cases, effective January 1, 2014. Both FHA and conforming loans will be impacted by this change. This will affect buyers who are relying on the ability to borrower higher loan amounts, and it will affect sellers who’s…
Whose John Hancock? Keep your signature consistent throughout the loan process so as not to create any discrepancies on all the signed documents. Sign the documents exactly the way they have your name is printed (Todd A. Ross, not Todd Ross). This should also match the signature on your ID which you used to identify…
Here at The Ross Group we take our Core Values seriously. When we say we’re Fun and Creative we put our events where our mouth is, but it doesn’t stop there. Every time we are introduced to a new customer or we close a loan, we share the love with one of our favorite charities. So we’d…
Renew You The notary who will be assisting you with signing loan documents will require a copy of your valid state issued drivers license or other state or federally issued photo identification. Make sure it is not expired. Otherwise, get it updated now. Not sure if your identification can be used? In order for a California notary…
Bullet Proof Your Vesting How you hold vesting in your property determines who has rights to your property. The loan documents and the deed of trust will display your vesting. Consult with a Real Estate attorney for your options on vesting. You will need to provide a copy of your trust if you are opting…
Understand Before You Commit It is very important you understand what you are signing before you meet with the notary at the closing table. You should be provided with a copy of the mortgage note, closing statement, and deed of trust from your loan officer to review before your closing appointment.
Show Me The Money The bank will require a thorough explanation of how your money ended up in your account. Keep a record of all deposits to your bank accounts that are not the result of a direct deposit from payroll, social security, or other income. Transfers to your bank accounts from your other accounts…
Delay The Cruise Until You Close When possible, hold the celebratory vacation until after you close escrow. It’s easy to overlook where you’ll be when the time to sign the loan package comes. It’s crucial you can be reached, that you have a pen and notary ready, or major delays and fees could happen. Please…