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THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

Wachovia-Products & services
Online Services * Online Banking with BillPay * Mobile Banking * Online Brokerage * More? Retirement Planning Tools & information for Lifetime Retirement Planning Investing * Accounts & Services * IRAs * More? Insurance Life, Auto, Home, Health Banking * Checking * Savings & CDs * Credit Cards * Check Cards * More? Lending * Mortgage (New) * Home Equity * Education Loans * Vehicle Loans Rates * Mortgage Rates * Home Equity Rates * Credit Card Rates Paymen

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

Citibank Tops Bank Website Rankings for Second Straight Year
Citibank may be in a heap of trouble, but it can take some small comfort in having the best big bank website. For the second year in a row Citibank (NYSE:C) tops Forrester Research?s ranking of bank websites.  JP Morgan Chase (NYSE: JPM) brings up the rear. Forrester evaluated the top five US banks ? Bank of America NYSE: BAC), Citibank, JPMorgan Chase, Wachovia (NYSE: WB), and Wells Fargo (NYSE:WFC) ? in terms of asse Citibank passed our minimum standards in every category except one. At th

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States - Hope for a Change 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote w

Reverse mortgages receive higher limits (The Oklahoman)
older homeowners got some long awaited good news recently when the Department of Housing and Urban Development approved higher lending limits for reverse mortgages.Now a home equity conversion mortgage, or HECM, can be federally insured up to $417,000.Brien J. Brandenburg, a reverse mortgage specialist for Wells Fargo Home Mortgage, said that some of his clients have been waiting at least ...

Solving the Financial Crisis Requires Sound Principles Starting with Bottom-Up Aid for Foreclosure and Unemployment Victims
Photo: Bill Pugliano/Getty Images The existing solutions to the financial crisis promoted by both Congress and what?s left of the Bush Administration reward the wrong people, the wrong behavior and from a systemic perspective make things worse rather than better.  Three institutions that are breaking the law have received public funds that actually expand their illegal activities. Bank of America, JPMorgan Chase and Wells Fargo currently are in violation of a provision that requires that no

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States. 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote with 52% to 46% of M

U.S. Needs to Pump $1.2 Trillion Into Banks, FBR Says (Update1)
Needs to Pump $1.2 Trillion Into Banks, FBR Says (Update1) By Daniel | November 20, 2008 Custom Search Nov. 20 (Bloomberg) ? The U.S. may need to spend as much as $1.2 trillion to stabilize the eight largest financial institutions because private investors are unwilling to take the risk, an FBR Capital Markets analyst said. ?The sheer size of the capital deficiency, coupled with the opaque nature of credit risk, will keep private capital sidelined,? Paul Miller said

THE WORLD today!
1. Barack Obama wins Presidential Election and becomes the 44th President of the United States. 130 Million Americans, more than in any other election since 1960, voted for a change and choose Obama, obtaining a historic victory to become the first black President of the United States, congratulating and celebrating world leaders, expressing hope, expectations and confidence in a fresh approach to the world?s challenges. Obama won the popular vote with 52% to 46% of M


 






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[01/01/1970, 01:00] Small, traditional banks :: where relationships and reputation matter

Last year while big lenders like Countrywide collapsed and Wall Street took a beating on mortgage-backed securities, smaller banks weathered the storm pretty well. These guys seemed pretty stodgy while the market was racing along, home values were zooming, and investors were chomping at the bit to jump into the latest negative-amortization mortgage structure. But slow and steady wins the race, as it turns out. Smaller banks wouldn't touch this stuff with a ten foot pole. They looked like luddites a couple of years ago, but they're looking pretty smart right now.

When I started this website I funded it with the backing of Partners Bank of Texas, a small Houston based private bank with assets of less than $200 million. Last year Partners was acquired by Texas based Sterling Bank. Sterling is somewhat larger than Partners - with assets of around $4 billion - but they're very small when compared to, say, Wells Fargo, which has assets of around $600 billion.

In the past I've relied on companies like USAA ($68 billion in assets) and Wells Fargo, but Sterling is my go-to bank now. USAA is the financial institution dedicated to serving current and former members of the military community, and I've been a member for over twenty years, starting when I was a cadet at the United States Military Academy. I still appreciate their great customer service (although some of their lending practices have annoyed me). But even though I have a military connection with USAA, at the end of the day I'm just a number. No one knows me there. They put my data into a computer and it spits out an answer.

But when I talk to Sterling, I'm sitting across the table from the guy who is gonna make the decision. And I like that. When I trying to get this website funded I spent almost a year jumping through hoops for the guys over at Bank of America ($1.7 trillion in assets) and the venture capitalists wanted me to sign away my first born. But at Partners (now Sterling) I got to sit across from someone and pitch my idea; and the woman who I talked to was the same person empowered to make the decision.

I'll still shop the big boys for the plain vanilla deals I'm considering. But when I'm looking at some more challenging opportunities in this crazy market - raw land and multi-family - my first stop is Sterling. Real estate investing is all about relationships, and smart investors know that their reputation can be one of their most valuable assets.

 



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