11 Mar 09 Dornan, Deal & the Foreman Brothers Make the Most of Their Surfing Day

People living in San Diego often take for granted how cool it is that we can surf 365 days a year.  On the really small days you have to get creative and throw a jet-ski into the equation. Towing into a wave going 30mph is a very good time..even if it’s only 2 foot. Watch this home-made surfing video with Bryan Dornan, Scott Deal, Jon Foreman and Tim Foreman on another beautiful day surfing in Southern California.

Bryan Dornan has enjoyed his share of good times surfing and he is truly blessed to be able to surf with his friends on a daily basis.

Tags: Bryan Dornan, Jon Foreman, Scott Deal, Southern California, surfing, Tim Foreman

08 Mar 09 Loan Modification & Refinance Leads

Loan Modification & Refinance Leads

 

Tags: Loan Modification Leads., Mortgage Leads

13 Jan 09 Good Times Towing in Oside

When the North County San Diego lineups get crowded, Bryan Dornan and Scott Deal head for the military base in Oceanside to escape with tow surfing.  Surfing is enhanced with “step-offs” and “tow-ats.”   I can’t remember tow surfing and not having a good time. 

31 Dec 08 2009 the Year that Crisis Turned into Opportunity

I think most Americans would like to forget 2008.  Will 2009 be the Year that America’s Financial Systems Rebounded?  The near collapse of the American economy has caused a tidal waves of concerns with a housing crisis, a stock market crisis, an energy crisis, an auto industry crisis and of course the mortgage lending crisis.  It is my contention that Americans need to remember 2008, because it will be mark where many of our personal trials began. 

With a new year, a new president and a renewed optimistic spirit nationally comes the opportunity for us to rebuild ourselves financially, but more important spiritually.  May God bless you and your loved ones in 2009! - Article written by Bryan Dornan

Tags: energy crisis, housing crisis, mortgage lending crisis, stock market crisis

12 Nov 08 Recently Published Ezine Articles By Bryan Dornan

• Home Loan Modification and Bankruptcy to Prevent Foreclosure
  [Real-Estate: Foreclosures] The recent foreclosure epidemic has caused millions of American homeowners to scramble for more affordable home loan terms. Whether it’s a rising adjustable rate, loss of income, loss of equity or simply a poor decision to borrow money, people need loan revisions and very few people are able to accomplish that with the traditional method of mortgage refinancing. Mortgage loan modifications occur when a mortgage lender agrees to modify terms in accordance with their borrowers request. Most loan modifications happen after a borrower requests a payment reduction and the loss and mitigation department of the lender agree to the terms.
• Debt Settlement, Loan Modifications and the Foreclosure Epidemic
  [Finance: Debt-Relief] Clearly, Americans have a problem spending more money than they have. Debt to income ratios have been increasing significantly with consumers as incomes are declining while outstanding balances increase at a rapid pace. When the subprime mortgage debacle turned into a credit crunch, mortgage lenders quickly tightened their loan guidelines. Almost simultaneously, home values began to decline and homeowners were no longer able to qualify for mortgage refinance and loans to consolidate their debt.
• Search Marketing Value For Small Business Advertising
  [Business: Marketing] Search engine marketing has evolved as a cost effective advertising strategy to connect business with communities across the globe. Search engine marketing can expand the customer base quickly while offering new opportunities that continue to evolve as more and more consumers use the internet for information, entertainment and purchasing.
• Loan Modifications, Mortgage Refinance Loans and the Foreclosure Crisis
  [Real-Estate: Mortgage-Refinance] The foreclosure crisis continues to ravage our economy with more lost jobs, reduced home equity from plummeting home sales and delinquent mortgage payments. Unfortunately, many people have the ability to make their home loan payment on time but they jumped on the loan modification train with their neighbors and stopped paying their mortgage in hopes of reducing their monthly payments through renegotiations with the loss and mitigation department of their mortgage servicing company. 
  Finance Articles Written By Bryan Dornan

23 Oct 08 2 Cents on Internet Marketing

Search engine marketing has evolved as a cost effective advertising strategy to connect business with communities across the globe.  Search marketing can expand the customer base quickly while offering new opportunities that continue to evolve as more and more consumers use the internet for information, entertainment and purchasing. 

Establishing an effective marketing strategy online enables small business to compete with big business. According SEO expert, Zach Good, “Search marketing levels the playing field for small business and individuals.”   Examining the different ways searchers find information, you can create an effective search engine strategy that brings you targeted traffic and more sales.  Search engine marketing optimization is very important for the online marketing of your business. However, it is not the easiest thing to do. You need to do a lot of hard work and have the determination to succeed.   Here are a few pointers towards a successful marketing optimization.

It is no secret that search engines like Yahoo, Google and MSN to provide relevant results to consumers that match their specific search query.  Creating an effective search engine marketing strategy doesn’t have to be a chore. By considering your readers, formulating a successful marketing strategy, and examining the different ways searchers find information, you can create an effective search engine strategy that brings you targeted traffic and more sales. 

I look forward to helping companies grow online.  The economic challenges that our company faces presents an opportunity for business to streamline communication an automate information online with cost effective marketing strategies.  > Read Complete Article - by Bryan Dornan

23 Oct 08 Debt and the Foreclosure Epidemic

Consumer debt continues to climb each year. Clearly, Americans have a problem spending more money than they make. Debt to income ratios have been increasing significantly with consumers as incomes continue to decline.  However outstanding balances have been increasing at an alarming pace. Over the last decade, homeowners have been able to take out home equity loans and consolidate their credit card debts into a lower more responsible fixed rate payment that they could afford. Back then home values rose annually, so borrowers could refinance their spending problems every few years. When the subprime mortgage debacle turned into a credit crunch, mortgage lenders quickly tightened their loan guidelines. Almost simultaneously, home values began to decline and homeowners were no longer able to refinance and consolidate their debt. People began losing their homes because they were defaulting on their home loans.

Unfortunately a foreclosure epidemic arose and banks began to fail because with increased foreclosures came a serious liquidity problem that significantly limited banks to lend to each other. Even when the Federal Reserve cut interest rate many times, the credit crunch got worse.

Now Americans find themselves with high rate credit card debt and mortgages that are larger than their homes are actually worth. Homeowners aren’t able to refinance for lower payments, debt consolidation or cash out. With home equity loans disappearing, debt settlement has increased dramatically because its legal and gives consumers a true alternative to bankruptcy. Debt settlement provides debt relief because the debt negotiation companies are able to reduce your balances and pay-off your revolving debt that carries the compounding interest.

The other refinancing alternative that has risen in popularity with homeowners has been loan modifications. Mortgage loan modifications are the result of banks restructuring loans for borrowers so they can avoid a foreclosure. The liquidity of banks has eroded in the foreclosure epidemic and now delinquent homeowners seem to have more leverage, because mortgage lenders don’t want your home anymore.  Read Complete Article by- Bryan Dornan

23 Oct 08 Loan Modifications, Refinancing and the Foreclosure Crisis

The foreclosure crisis continues to ravage our economy with more lost jobs, reduced home equity from plummeting home sales and delinquent mortgage payments. Unfortunately, many people have the ability to make their home loan payment on time but they jumped on the loan modification train with their neighbors and stopped paying their mortgage in hopes of reducing their monthly payments through renegotiations with the loss and mitigation department of their mortgage servicing company.

Clearly, there is nothing wrong with renegotiating your mortgage for a lower payment. Essentially that is what mortgage refinancing is all about. Loan modifications are different, because the terms are not fair for the bank because they take a loss. Banks who hold the mortgage note loose income from pre-payment penalties, loss of interest and in some cases loss of principal. The argument could be made that each time a bank agrees to a loan modification jobs are lost, because revenue is lost and expenses must be cut. However the reality is that we are in a serious financial crisis and if the mortgage lenders did not restructure their customer’s mortgage loans, then the banks would crash quickly as the liquidity problems would worsen.

Millions of homeowners are seeking mortgage refinancing or loan modifications in an effort to save their house or make their monthly payments more affordable. Unfortunately for mortgage brokers and lenders, mortgage refinance closings have slowed to very uncomfortable rate.

According to CFB Branch Manager, Corey Galinksky, most refinance loans are taking 7 - 8 weeks. Imagine owning a mortgage company that had to fund four staff payrolls to fund a loan. Imagine paying underwriters, processors and loan officers to work on home loans that likely would not actually close. The mortgage business has seen brighter days. Credit restrictions have tightened lending guidelines to the level that very few borrowers qualify for a mortgage. Galinsky continued, “FHA mortgage loans have been the only lending product we can count on and fortunately the government loans will consider the borrower’s compensating factors for approvals.”

On the other hand loan modification companies have never has more business. With millions of have homeowners on the brink of foreclosure, people are lining up to help people modify their loan terms. With the recent $850 billion dollars from the Financial Bail-Out package, you can bet that loan modifications will only increase in 2009. Once we get past the foreclosure crisis most financial critics agree that home refinancing will resume back on its normal course.

Mortgage lenders have started to negotiate with borrowers who are not delinquent with their mortgage. In most cases, you don’t have to be 60 days late to get a loan modification any more. The Chinese define crisis as danger and opportunity. Hopefully Americans will utilize this foreclosure crisis and seize the opportunity to move forward as a stronger more pragmatic country.  Read Complete Article by- Bryan Dornan

Tags: foreclosure

23 Oct 08 Commenting on the Mortgage Meltdown

First the “subprime mortgage meltdown”, then the foreclosure crisis, next the government announce the $750 billion dollar bailout and finally the stock market tanks.  After watching the 3 presidential debates and listening to a few of their mortgage foreclosure speeches, in which both candidates promised financial assistance to homeowners while blaming the “big banks”, I realized - this country is in denial.  Like an alcoholic claiming “they just like a few glasses of wine with dinner”, Americans have a spending problem. Think about it - every year credit card debt breaks the previous year’s record and somehow people who don’t even have jobs are watching big flat panel TV’s and walk around in expensive “name brand shoes.” 

According to mortgage data, debt to income ratios continues to rise while the average incomes for Americans have actually been declining slightly.  After a decade of lavish spending, 2006 will be the year remembers because the mortgage companies started going bankrupt and the housing bubble finally bursted.  Home values have continued to drop rapidly because so many homeowners had adjustable rate mortgages and mounting credit card debt that they could no longer afford.  Homeowners no longer had the luxury of refinancing the home loans and unsecured debt and people began losing their homes.  The lending tightened with a credit crunch and it has ultimately become a foreclosure epidemic of the greatest proportion since the Great Depression.  The problems swam upstream and now the banking institutions began to fail because with the increasing home loan defaults created a liquidity problem that prevented banks from lending to each other. > Read Full Complete Article. - by Bryan Dornan

09 Oct 08 Welcome to the Bryan Dornan Blog!

Welcome to the Bryan Dornan blog for SEO, lead generation and search marketing services!  Whether you internet marketing assistance or want to discuss the Lakers or getting shacked in Baja, I am here to assist you.

Tags: lead generation, SEO