Alright, as much as I hate to admit it, the holidays are officially over. Our next holiday is months away, so it looks like it's time to get focused on making January a great month. If there's anything I can do to help, please us a call 888-376-7484.

Have a great day

P.S. Make sure you check out the January issue of the Scotsman Guide. On page 149 there’s a great article written by our VP of Sales. If you don’t get the Scotsman Guide, you can view the article at doublepositive.com under latest news.
 THIS WEEK'S HEADLINES
  • Which fees are negotiable for a buyer at closing?
  • Pros and cons of reverse mortgages
  • Happy New Year - Don't Send Us Anymore Loans
  • Home loan demand rises despite higher rates
  • Mortgage rates flat in blah economic week
  • Company Unveils Mortgage Deferral Program
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 What Your Customers Are Reading About
Bankrate
Most home closing costs are negotiable
Which fees are negotiable for a buyer at closing? Full Story
Bankrate
Pros and cons of reverse mortgages
In a TV commercial, debonair actor Robert Wagner invites viewers to take a closer look at reverse mortgages. The former star of the series "Hart to Hart," Wagner offers a free DVD that explains how these mortgages work. Full Story
 Industry News
Originator Times
Happy New Year - Don't Send Us Anymore Loans
MLN announced that it continues to operate its highly rated servicing platform and retail franchise and will temporarily discontinue its wholesale operations. Full Story
Reuters
Home loan demand rises despite higher rates
U.S. mortgage applications rose last week, led by increased demand for home purchase loans even as interest rates climbed for a fourth consecutive week, an industry trade group said on Wednesday. Full Story
Bankrate
Mortgage rates flat in blah economic week
During a week in which many financial markets were closed for four days in a row, and lots of fat cats were skiing on snow or sunning on sand instead of crunching numbers in the office, mortgage rates didn't move much. Full Story
Originator Times
ARMs Lose Popularity According To New Survey
Freddie Mac released the results of its 23rd Annual Adjustable-Rate Mortgage (ARM) Survey of prime loans, which found... Full Story
Origination News
Company Unveils Mortgage Deferral Program
Mortgage Payment Deferral Inc., Roseville, Calif., has announced the introduction of a patent-pending mortgage program that allows homeowners to defer from three to 36 months of their mortgage payments. The 12 Month Deferral program, or 12MoDef, works by setting aside home equity into a trust account, and the appointed trustee ensures that the mortgage payments are made. The homeowner receives a monthly statement that combines the mortgage and trust account statements. At the end of the deferral period, the trust account is closed, and the borrower receives all the earned interest and resumes making mortgage payments, the company said. "Many of our clients are making job changes, starting families, or struggling with a new business venture, while some are being crushed by meeting the monthly financial burden of their mortgage payment and credit card debt," said Jeremiah Miller, president of Mortgage Payment Deferral. "A year without the stress of a mortgage payment allows people to reassess their financial situation and regain control of their life again."
 Your On-line Account
New functionality releases
We're working hard to make our client Extranet at Clients.DoublePositive.com an increasingly useful tool. We'll provide weekly updates on improvements recently released and those coming soon. We want to know what enhancements are most valuable to you! We'll use your feedback to prioritize our development, so please email us now with your suggestions!

Current Features

  • Enhanced Analytics - Track Transfers...by loan officer! -- Now for each Transfer you receive...you can track it back to the loan officer in your organization who handled the call.
  • Online Ordering and Credit Card Processing
  • Streamlined Credit Review -- Submit transfers for credit review and receive responses directly from the Billable Transfers Report page of our extranet.
  • Real-time On-Hold Control -- Put your account on hold or make it active instantly whenever you like, just by clicking a link.

Coming Soon:

  • Online Invoices and Receipts
  • Real-time Transfer Emails -- Know what transfers your loan officers are receiving in real time with emails that include borrower information.
  • Web-based Training and Support
  • Additional Services for Loan Officers -- Pull credit or order an appraisal online directly from our extranet (small per-request fee applies).

 Post your classified ad below, there's no charge!
Our newsletter reaches over 4,000 mortage companies and professionals each week. Would you like them all to see your classified message for free? Let us know!

Post Your Classified Advertisement Here! >>
LendingSuccess. Increase your income and close more with LendingSuccess, Magazine. Email us to request a free online version of the current issue. LendingSuccess.com
MortgagePro News is offering a complimentary LIFETIME subscription to DoublePositive clients. This e-mail newsletter is sent out two days per week with commentary, industry trends, and tips you'll use over and over. To take advantage of this offer, please contact us. MortgageProNews.com
Mortgage Originator magazine is offering a complimentary 6-month subscription to DoublePositive clients. To take advantage of this offer, please contact me. (Current subscribers to Mortgage Originator magazine are not eligible for this offer.) MortgageOriginator.com
DNCSolution is a family of Internet-based products that handle the full range of Do Not Contact (Do Not Call, Do Not Fax, Do Not E-mail, Do Not Mail) compliance. DNCSolution also addresses the privacy directives and opt-in/opt-out preferences of your prospects and customers. DNCSolution.com
Leads360’s lead tracking software can give you visibility over your sales force and get valuable insight into your contact ratio. Contact Leads360 today and learn how we can help you increase your contact ratio by more than 20% in the first month. Call 1-888-508-4462 or visit Leads360.com
Clarity Training Group provides professional sales training and consulting services. Today's market is fiercely competitive - Clarity Training Group gives your organization an edge. Clarity offers on-site training, training via teleconference, or through on-line courses. ClarityTrainingGroup.com


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888-376-7484

LIVE Hot Transfers
(available this week)
Get the complete list of LIVE Hot
Tranfers available this week!
.

State Loan Type Credit X-fers
AK Refi Excell 10  
AK Refi Good 11  
AL Refi Excell 15  
AL Refi Fair 38  
AL Refi Good 19  
AR Refi Fair 28  
AR Refi Good 21  
AR Refi w/ CO Fair 12  
AZ Refi Excell 85  
AZ Refi Good 20  
CO Refi Excell 67  
CO Refi Fair 23  
CO Refi Good 41  
CT Refi Excell 40  
CT Refi Good 24  
DC Refi Excell 13  
GA Debt C Fair 12  
GA Refi Excell 115  
GA Refi Fair 129  
GA Refi Good 165  
GA Refi w/ CO Excell 11  
GA Refi w/ CO Fair 20  
GA Refi w/ CO Good 12  
HI Refi Excell 34  
IA Refi Excell 15  
IA Refi Fair 12  
IA Refi Good 12  
ID Refi Excell 17  
ID Refi Fair 13  
ID Refi Good 18  
IL Refi Excell 243  
IL Refi Fair 86  
IL Refi Good 161  
IL Refi w/ CO Excell 12  
IL Refi w/ CO Fair 14  
IL Refi w/ CO Good 10  
IN Refi Excell 46  
IN Refi Fair 63  
IN Refi Good 75  
KS Refi Excell 37  
KS Refi Fair 29  
KS Refi Good 46  
KY Refi Excell 29  
KY Refi Fair 23  
KY Refi Good 26  
LA Refi Excell 33  
LA Refi Fair 83  
LA Refi Good 149  
MA Refi Excell 140  
MA Refi Fair 27  
MA Refi Good 70  
MD Refi Excell 141  
MD Refi Fair 28  
MD Refi Good 70  
ME Refi Excell 18  
ME Refi Good 12  
MI Refi Excell 148  
MI Refi Fair 104  
MI Refi Good 145  
MI Refi w/ CO Excell 10  
MI Refi w/ CO Fair 15  
MI Refi w/ CO Good 12  
MN Refi Excell 43  
MN Refi Fair 16  
MN Refi Good 40  
MO Refi Excell 81  
MO Refi Fair 37  
MO Refi Good 48  
MS Refi Fair 34  
MS Refi Good 15  
NC Debt C Fair 14  
NC Refi Excell 63  
NC Refi Fair 90  
NC Refi Good 116  
NC Refi w/ CO Fair 11  
NE Refi Excell 10  
NE Refi Good 10  
NH Refi Excell 10  
NJ Refi Excell 139  
NJ Refi Fair 25  
NJ Refi Good 98  
NJ Refi w/ CO Excell 10  
NJ Refi w/ CO Good 10  
NM Refi Excell 38  
NM Refi Fair 13  
NM Refi Good 26  
NV Refi Excell 55  
NV Refi Fair 15  
NV Refi Good 44  
NY Refi Excell 188 **
NY Refi Fair 64 **
NY Refi Good 131 **
NY Refi w/ CO Excell 18 **
NY Refi w/ CO Fair 19 **
NY Refi w/ CO Good 21 **
OH Refi Excell 50  
OH Refi Fair 81  
OH Refi Good 73  
OH Refi w/ CO Fair 14  
OH Refi w/ CO Good 10  
OK Refi Excell 13  
OK Refi Fair 34  
OK Refi Good 27  
OR Refi Excell 50  
OR Refi Fair 11  
OR Refi Good 23  
PA Refi Excell 121  
PA Refi Fair 55  
PA Refi Good 93  
PA Refi w/ CO Fair 15  
PA Refi w/ CO Good 10  
RI Refi Excell 10  
SC Refi Excell 38  
SC Refi Fair 53  
SC Refi Good 72  
TN Refi Excell 44  
TN Refi Fair 49  
TN Refi Good 66  
TX Debt C Fair 24  
TX Debt C Good 12  
TX Refi Excell 127  
TX Refi Fair 246  
TX Refi Good 180  
TX Refi w/ CO Excell 16  
TX Refi w/ CO Fair 42  
TX Refi w/ CO Good 25  
UT Refi Excell 43  
UT Refi Fair 14  
UT Refi Good 36  
VA Refi Excell 152  
VA Refi Fair 26  
VA Refi Good 84  
VA Refi w/ CO Excell 12  
VA Refi w/ CO Fair 10  
VA Refi w/ CO Good 20  
WA Refi Excell 73  
WA Refi Fair 12  
WA Refi Good 20  
WI Refi Excell 89  
WI Refi Fair 55  
WI Refi Good 85  
WV Refi Fair 14  
WV Refi Good 10  

Get the complete list of LIVE Hot
Tranfers available this week!
.

For pricing information on the LIVE Hot Transfers listed above, please call us at 888-376-7484.

Thanks, [~rep~]

 Refi  =  Refinance
 Refi w/CO =   Refinance w/Cash Out
 Debt C  =  Debt Consol.
 Purch  =  Purchase
 *  =  70% LTV Filter
 **  =  Limited Area Codes
 ***  =  Limited AC / 70% LTV Filter