Friday, December 31, 2010
What do you get when you spell DOG backwards, GOD. Before I get struck with lightning, I am in no way referring to God as a dog, neither am I referring to a dog as a god. Recently our family made purchase of a puppy, a Maltese. In a moment of time, that dog did what I could not do no matter how hard I tried and that is...change the atmosphere in the home. No matter how hard I tried, or prayed, wait a sec...prayed...next comes, dog....next comes change of atmosphere....and as I sat amazed at how a dog so dramatically changed the atosphere, when I could not and when I had even prayed to God, that's when it occurred to me, that God, spelled backwards, spells Dog. Coincidence that at that moment I thought of something I've never thought of before in my 41yrs of life? Yes, perhaps you who are wiser have always known that, so bare with me. If you had dyslexia you might look at the word god quickly and see dog. What is my point? Often, we are looking for signs from God and answers to prayer, all the while, it is right under our very nose. It's not every time that God is going to be able to say, "hey dummy, why don't you try spelling dog backwards...what does it spell, ughhh...God, that's right, that's me, that dog is your answer to your prayer" how often is the answer to our prayer right under our noses, right before our eyes, but yet we don't see it. We don't see God in the little things, but yet he is there, whether we see him in the answer, the solution, he was part of it.
Wednesday, December 29, 2010
Was reading this morning in my daily devotional about the vision John receives in the book of Revelations. It's a revelation into "The Future". Why would God give John or anybody else revelation or insight into the future? Ans: For the simple reason that in showing us the future, the future can change. Isn't this the idea behind Scrooge. The Ghosts of Christmas Past, Present and Future. Think of this, God gives us glimpses or insight into the future so the future is not our future. Can can take us where we have not yet been, but where he has and say, "this does not have to be, this does not have to be your fate". The Future is not IN STONE, if we choose to make the right decisions today or from this point on, we can alter "what might have been" for the good or for the bad.
Thursday, November 18, 2010
• With this change, the 5 year waiting period has been eliminated. Applicants with a prior foreclosure will only have the option of waiting 7 years from the completion date the foreclosure action as reported on the credit report or other foreclosure documents presented by the borrower with no additional minimum down payment, minimum credit score, or occupancy requirements.
• The 3 year waiting period since completion of a foreclosure is still available for loans with documented acceptable extenuating circumstances, but will now have a maximum LTV ratio of lesser of 90% or the maximum LTV ratio available for the product. Previous guidelines allowed for an applicant to have a foreclosure within the last 5 years with requirements (e.g. minimum down payment, minimum credit score, and occupancy requirements) or 7 years with no requirements.