Charlie Rutherford Professional Mortgage Lender

Amazon and has made it so easy to get the "things" we want quickly with a discounted price - now Whole Foods and Amazon? What do you think your grocery experiance will be like with these to merging?

The best feeling in business is helping families get what they want. In short, Coastal Connect Realty, Inc. asked if I could step in and help their clients out; their current lender had dropped the ball and not locked their loan when rates jumped, resulting in a much higher rate. It took some work to make it happen but in the end they closed on time with their desired rate. Thank you for trusting us Coastal Connect Realty, Inc. with your clients.

Big Jobs report tomorrow - I predict a lousey number and expect to see a sell off in the stock market tomorrow. If I am right, I will share my source tomorrow. Anyone have thoughts on this or want any action?

I hear this question daily. Yes, there is more paperwork - but interest rates are SO LOW! Next month I have a couple that will cut 10 years off their mortgage and will save $766 per month that's almost $92,000. I think that kind of savings is worth a few extra signatures.

Hello Friends, I have a goal to hire an assistant this year. I’m in no huge rush, what’s most important for me is to find someone who is complementary to me and my business rather than rush a body into the position. The assistant will take care of business and personal activities that will allow me to focus on growing my business. Activities will include communication with client and team members, scheduling appointments, taking loan applications, updating and completing rep...orts, handling monthly mailings and running errands. My intentions are to expand my roll in marketing and relationship building and let loose on some of the day to day operational duties. I’m looking for someone who has a different personality than mine; someone who is not dominant by nature, but has the ability to assist people and is not overwhelming. This person will be extremely steady and most of all a team player. I have compiled a list of personality descriptors, which may help you think of the ideal candidate: Systematic Diplomatic Team Player Accurate Relaxed Careful Cooperative Open-Minded Tactful Patient Stable Deliberate Steady Neat My goal is to fill this position by October, but I would consider filling immediately if I could find someone to fit the mold. If you know of a person who fits this mold, please pass my name and contact information along. Thank you for your consideration and help. Charlie

This Thursday from 4-6pm come by sip a glass of wine (or several) and take in the views and catch the sunset at 2078 Edinburg Ave Cardiff, 92007.

If you are currently renting, don't let your time to buy run out... Watch this 30 second video and see if you are ready?

Self Employed/Retired? Issues using your "income" to qualify for a loan? Thinking of Buying or Refinancing and had issues in the past? Well, it's year end and that means TAX TIME! Take 2 minutes watch this.

Always happy to serve the local community. Thanks John Duke Linlk to review: http://tinyurl.com/ogrrnaq

Here is a quick tip to boost your credit score.

We Remember. And we say Thank you.

Congratulations to Stefan and Kim on the purchase of their first house! Also, their Realtor Lindsey Parenica locating and negotiating a great place and price. Traditional Housewarming Bread So you never go hungry.... Wine So your life is always sweet. Salt So there is always spice in your life. And a Candle So you always have light. MC - BV

Check out my new video, let me know what you think

It's only 6:30 and the sun has set - who can I direct the vote to veto rolling the clocks back? Boo!

Congratulations to the Ryan family on your new home. "Bricks and mortar make a house, but the laughter of children makes a home."

A great way to say "Thank You" to your customers. I am a firm believer of knowing my client rather than reaching a record number of transactions and treating them as just that.

Inflation Today vs 1933: In 1933, if you had $100 you would need $2,000 today to buy the equivalent amount of goods and services or expressed differently; if you had $1 it would be worth $.05 today. Has this affected you yet? A man/woman who does not think and plan long ahead will find trouble right at their door.... -Confucius See more

"You aren't wealthy until you have something money can't buy." -Garth Brooks

My Referral Goal for the next 7 days is to give 10 referrals and receive 5 referrals. How can I help you or someone you know? I am here to help...

Wow, even Leucadia made the list... My lil sleepy town is sure growing and changing rapidly.

Wow, 299 likes! Thank you VERY much - now who is the lucky number 300 going to be?

Harsh day in the financial markets today, but there is a silver lining...

We all have been cursed by Cancer one way or another read this it is very touching. Bagby Beer, you folks not only make the best beer I have ever tasted (that's A LOT of beer) but you are building your business with your heart on your sleeve. Bravo Jeff you're a class act.

Ok, so this a re-cap of the Bank Simple... It's an online Bank, no fee's and a slew of budgeting tools to help you save for specific events; vacation, car, twins pre-school! I signed up with $100 on 20 Jan it took 2 minutes the ATM/VISA card arrived yesterday a so far I am 110% in on the "simplicity" and ease...

Update to Simple: I just set my account up in less than two minutes, Simple so far!

Tired of the Big Banks like, Wells Fargo, Bank of America, CHASE, and Citi making more money on your money and charging YOU fees on your money because they can? Well, you now have an option other than the Big Guys for you to manage you to manage your money with no fee's. Check out www.Simple.com it is a FDIC member online bank with zero fee's. Not only is there no fee's but they offer a wide range of tools, automatic budgeting and savings, smart phone check deposits with no limits (Wells Fargo limits to $1200) 55,000 fee-free ATM's and it goes on. I am going to try this with $100 and see how it works - Being a client with a big bank for over 20+ years i'm open to some change. Has your bank done anything to help you in the last few years and if so what did they do?

It always puts a smile on my face listening to "seasoned" homeowners discuss the first mortgage they had was in the double digits. How is this for a perspective of then vs. now? In inflation-adjusted dollars, the payment on a $100,000 mortgage in 1981 would cost $3,840 today. The actual payment at today's rate is $508. This is why analysts say today's mortgage rates are great. Even comparisons to the last 10 years look terrific.... Accounting for inflation, here is what a mortgage would cost per $100,000 borrowed in today's dollars: 2014 : Mortgage payment of $508 2010 : Mortgage payment of $566 2006 : Mortgage payment of $691 2000 : Mortgage payment of $985 Where do you think interest rates are going to go in the next 12 months?

It's almost 80 degrees out and the surf is going off... Non-negotiable discipline #2 surf more, A LOT MORE.

Nothing better than poking your head up from being entrenched with work to see three whale spouts out the office. Cheers to a new year!

Such a cool story and a great company to deliver the goods - Bravo WestJet!

Looking to buy or rent a house these are some important numbers to know.

Over the last few weeks we have seen a steady increase in interest rates, until today. If you have been thinking of doing something and felt that the historically low interest rates have passed you by here's your chance.

Do you ever get tired of telemarketers calling you, even if your phone numbers are registered on the Do Not Call List? Take a look below.

If you have purchased a home or refinanced in the last 48 months this will answer that one question you had... "Why do they need that?" It's a great time to take advantage of historically low interest rates if you havent done so , do it today! I am in the office all day today so give me a call or stop by even if you dont use me do yourself the favor and call someone rates are that low and the savings goes a long way.

Mortgage Delinquencies Improving Faster than Economy, Q4 Report At a press conference accompanying release of the results from its Fourth Quarter 2011 National Delinquency Study (NDS), the Mortgage Banker Association's (MBA) Chief Economist and Senior Vice President for Research and Education Jay Brinkmann said he is frequently asked how long it might be before delinquencies and foreclosures return to "normal." He said he typically answers that "we are about halfway there." ...Continue reading

Check out what information sources buyers find useful when searching for a home!

Dave Ramsey's comparative analysis of the national debt numbers: "If the US Government was a family, they would be making $58,000 a year, they spend $75,000 a year, & are $327,000 in credit card debt. They are currently proposing BIG spending cuts to reduce their spending to $72,000 a year. These are the actual proportions of the federal budget & debt, reduced to a level that we can understand." - Dave Ramsey

Sorry I have been a little under the weather the last few weeks but wanted to share some news from today. Keep an eye out for my new video over the next week I hope you all are well and thanks for joining this page. All the Best!

MARKET WRAP: Mortgage Bonds hopped on the roller coaster again today trading in a 56bp range as Stocks rode the same ride. The Dow was down nearly 200 points today but managed to rally through the day closing up 5 points, the S&P 500 squeaked out a 1.26 point gain, while the Nasdaq rose 7 points. Gold closed down $5.30 $1,222. Oil fell $1.55 to $70.06/barrel and fell below $70 during the session.