Phil Grossfield's Blog

My Schedule…and A Little Extra:  |1| The Vikings looked pathetic last night.  I realize this energy I’m putting into the universe is not positive nor healthy…but come on!  I was brought up to root for my team…and they sucked the big one!  Being a hard-core Vikings fan can be brutally painful.  Last night I was in agony.  What an awful performance both defensively and offensively.  The best part of our game was our kicking and the most entertaining part of the game was when Jared Allen got mad.  Ponder looked like a frightened puppy.  His decision making reminded me of a horror film where the guy goes down to the lake to investigate the weird sounds despite the creepy music playing in the background…DON’T DO IT…BAD IDEA!…DON’T THROW THE BALL INTO 5 DEFENDERS WHILE RUNNING OFF BALANCE INTO THE OPPOSITE DIRECTION!  One bad decision after another…just awful.  Again, I realize this isn’t great energy this morning so I need to shake it off and think about something more positive.  Hey it’s almost Halloween!  Whohoooo!  |2|   From yesterday, I could easily be you.  Don’t believe me?  Watch this:  Amazing Mind Reader Reveals His Gift.

My Contests:  My wife the Travel Mama is running a contest for a free hotel.  Radisson is giving away a free night stay to one to celebrate its 50th anniversary.  Not many have entered yet so there is a very good chance you could win…click here:  Free Hotel Stay – Radisson.

My Procedures:  For comprehensive guidance on how to submit, go to:  My Help on Procedures.

My Disclosures Heads-Up:  We have a fairly extensive list of required disclosures…this eliminates potential lawsuits and as such allows us to be more competitive.  We accept your Broker’s disclosures (i.e. from Point or Encompass), except for the Anti-Steering Disclosure.  If you can’t find the disclosure below in Point or Encompass, then find it on the Forms Page.

1. *Broker Fee Agreement (distinguishes lender paid or borrower paid) – IMPORTANT – Receiving will cancel your submission if the Broker Fee Agreement is not dated within 3 days of the GFE…if the file gets cancelled you will have to wait the 10 days before you can resubmit
2. *Servicing Disclosure Statement – IMPORTANT – Receiving will cancel your submission if the Servicing Disclosure Statement is not dated within 3 days of the GFE…if the file gets cancelled you will have to wait the 10 days before you can resubmit

My Market Watch:  Bonds opened better today and rates/pricing are better as a result.  My Disclaimer

My Schedule: Behind the computer most of the day….