These businesses and professionals have made a commitment to support the Collaborative Law Institute of Minnesota and furthering Collaborative Practice through time and financial support.
Additional Details about Rainbow Mortgage
David Jamison has been a supporting partner of the Collaborative Law Institute of Minnesota since 2004. Dave was the Winner of the prestigious “Stu Webb Award” in 2019 for his efforts in assisting Divorcing Clients with home loan concerns as then navigate their divorce journey. Dave brings unique specialized knowledge to the Mortgage and Divorce process using his 10 years of underwriting experience to assist Collaborative clients with even the most complex of situations. Dave coordinates with the attorneys, financial neutrals and health care providers to ensure that outcome matches the goal! Give Dave a call to discuss your unique situation to receive the specialized knowledge and advice you deserve.
Dave covers the current mortgage rates and provides a helpful illustration. Additionally, below the video, there’s a home appreciation chart for the year that contains valuable information to share with your clients. In the mortgage segment, Dave delves into qualifying clients with 1099 income and self-employment, which is worth your attention. Lastly, Dave emphasizes their availability for addressing any queries regarding mortgage and divorce, offering a no-cost analysis and unlimited question support for both you and your clients.
November 22, 2023 https://bbemaildelivery.com/bbext/?p=video_land&id=e9a419d7-b262-44b7-af19-55d4d36453e0
Quick Market update and special Holiday Message from Dave to Everyone
November 15, 2023 https://vid.us/kgkaq1
This week, Dave provides an update on the market and current interest rates. He then discusses when clients undergoing divorce can obtain pre-approval for a home loan, debunking a common myth in the process. Additionally, Dave introduces a tool called temporary buydowns, which could allow clients to access rates 1, 2, or potentially 3 percent lower than current market rates (specific terms and conditions apply—contact Dave at 612-396-9216 for precise details). Lastly, Dave reminds you of the invaluable offer to review your decrees for mortgage-related matters at no cost, ensuring that clients have the correct language to support their housing goals after the decree.
November 8, 2023 http://mbshighway.com/view/1IKa-lc
This week Dave details the interest rate market and FINALLY we had a good week and rates came down. Dave also provides you with an insight into the cost of your clients waiting versus purchasing or refinancing now…CLICK ON THE LINK BELOW THE VIDEO to see the chart. Finally, Dave discusses how he can assist your clients with less than perfect credit and how as a Broker he is different from the banks.
October 25, 2023 https://vid.us/n7pd6i This week Dave gives a quick market update and offers to run payment scenarios for you to get exact numbers for your budgets and decrees. In addition Dave, goes over how support payments are treated in the mortgage world Pre January 1 2020 and Post January 1 2020. Finally, Dave shares how authorized user accounts can affect your clients credit scores and how to use his soft credit pull option to evaluate estimated effects of removing a credit account.
October 18, 2023 https://vid.us/fivpi7 This week Dave discusses where rates are at today and offers to look at payment options for your clients so you have accurate information. In addition, Dave talks about the WARN report (see below) and how it may be a precursor to lower rates. Finally, Daves mortgage tip is about credit and the importance of discussing with your clients the need to continue to pay their bills.
October 11, 2023 https://vid.us/7o49wc This week Dave talks about that market over the last week. Dave also discusses the importance of knowing that all lenders are not created equal. Dave wraps up with a nice little appreciation chart that you can share with your clients.
October 4, 2023 https://vid.us/iy3zz0 This week Dave talks about the Fed Chairs just needed to be quiet for a while and let the market do its thing. In addition, Dave provides insight to a cool debt consolidation tool that he has. The tool might solve some of the budgeting issues your clients may be facing in this challenging economy.
September 27, 2023 https://vid.us/jwgfzs This week Dave discusses the impact of the Federal reserve meeting. Also Dave talks about the benefits of a Marital lien in lieu of a straight cash out refinance.
September 20, 2023 https://vid.us/m3e820 This week Dave talks about the outcome of the Fed Meeting today and the outlook going forward. Also, Dave discusses the 5 aspects of the credit score and how a divorce proceeding can affect the score. Finally, Dave lets you know about obtaining a soft credit pull with Rainbow Mortgage Inc and the benefits of the soft pull!
September 13, 2023 https://vid.us/2cpmjn This week Dave discusses the Fed and their take on inflation and for your tip, Dave talks about Marital liens and their benefits for your clients!
September 6, 22023 https://vid.us/k1dthe This week Dave gives a brief weather update in Minnesota (yuck) and market update. In addition, Dave shares with you how your clients can potentially purchase a home before selling the marital home using what is called a RECAST option once the marital home is sold.
August 30, 2023 https://vid.us/y1l3zn This week Dave discusses current rates and the market movers. Also Dave discusses the importance of specifying debt distribution and he provides and example spreadsheet. Finally, Dave reminds you of the no cost decree review service that Rainbow Mortgage Inc provides.
August 23, 2023 https://vid.us/rc7u0h This week Dave updates you on the market and rates (nice reversal yesterday) In addition, some key tips on closing credit cards and accounts and how it an affect credit scores. Also, Dave reiterates the importance of using a lender that uses soft pulls for credit.
August 16, 2023 https://vid.us/kmsdx2 Today Dave discusses where the market is at and some key elements of the mortgage backed securities market. Your divorce tips has to do with escrow refund checks and escrow set up fees and how to potentially free up some cash for a closing.
August 9, 2023 https://vid.us/0mlm0o This week Dave discusses the current rates and inflationary pressures on the mortgage backed securities market. Also, Dave addresses one of the biggest mistakes he sees divorcing clients make after divorce when they purchase a new home.
August 2, 2023 https://vid.us/0dxg2y This week Dave talks about the US Credit rating being downgraded and how that affected mortgage rates. Dave also discussed why a debt consolidation loan may be a better option than keeping that low first mortgage interest rate and some tools that Dave has that he can use to help you and your clients make educated decisions!
Additional Details about OurFamilyWizard
OurFamilyWizard applications help divorced or separated parents maintain an amicable path forward. On OurFamilyWizard, parents can manage schedules, record expenses, create journal entries, share files, and document communication accurately.
Working with clients on OurFamilyWizard, legal and mental health practitioners can assist families to move beyond conflict and co-parent with confidence.
Contact me to learn more about our fee waiver program, free professional access, and updated agreement language.
Professional Resource Kit Linked here: https://bit.ly/40CsrrS
Jennifer Morris - Edina Realty
Additional Details about Jennifer Morris, Realtor
My team and I provide professional real estate services serving Minneapolis, St. Paul and the metro counties. Contact me for a complimentary market analysis of your home.
Baker Vicchiollo Law LLC
Additional Details about Baker Vicchiollo Law
Jolene is the founder and principal attorney at the law firm of Baker Vicchiollo Law located in Edina Minnesota, representing individuals and families in matters of divorce, child support, custody, property division, nonmarital claims, and parenting time, as well as estate planning, nuptial agreements, adoption, paternity, and grandparent rights. Admitted to practice in Minnesota since 1999, and in private practice for the past 23 years, Jolene has extensive experience in district courts throughout metropolitan counties, establishing a highly regarded practice in litigation, alternative dispute resolution, and collaborative divorce.
When experiencing life changes such as marriage, divorce, adoption or birth of a child or maybe parenting time, or financial challenges due to a job change, Baker Vicchiollo Law is here to help you move through change, to move forward with your life. We may not be able to address every aspect related to change, the emotional impact, but we can help with legal aspects when change is necessary or inevitable.