Andy May, CEO of ADR Mortgage, gives "100th pint" of blood to the American Red Cross.
Andy has been donating blood to the Red Cross for the past 34 years, ever since he used to race his fellow UMASS students in the fastest blood donation.
Andrew provides the five key reasons why he provides blood:
Every two seconds, someone in the United States needs blood. That means more than 38,000 blood donations are needed per day. Currently, less than 38% of the population is eligible to give blood, with only 3 out of every 100 Americans actually donating. It’s a very elite group, but they’re always looking to expand membership. Will you give next?
There are four types of transfusable products that can be derived from a pint of whole blood: red cells, platelets, plasma and cryoprecipitate. As each pint of donated whole blood is separated into two or three of these products, each donation can help save up to three lives.
Donating blood is a simple four-step process: registration, medical history and mini-physical, donation and refreshments (cookies!) The whole process takes no more than one hour and 15 minutes with the actual blood collection taking about 12 minutes.
The two most common reasons people don’t give blood are, “I never thought about it” and “I don’t like needles.” Well, we’re thinking about it right now! Plus, blood donation is an opportunity to volunteer, rather than be drafted. Wouldn’t it feel good to put out your arm for a cause and walk away knowing you’ve contributed to the good health of someone other than yourself? That's the bedrock of America, give back; feel better about your contribution to the greatest nation on earth.
More than 1 million new people are diagnosed with cancer each year. Many of them will need blood, sometimes daily, during their chemotherapy treatment.
Interested in a mortgage or refinance? Call George Imura at (919) 451-5981. (NMLS ID: 78385 / Co. NMLS ID: 88010). Or contact the owner, Andy May at 919 771 3379.
ADRmortgage.com celebrates 10-year perfect Better Business Bureau Record without a single complaint.
(PRWEB) June 26, 2015
Finding a mortgage company with 0 BBB complaints is rare. Finding a mortgage company in business for ten years and 0 BBB complaints is compelling.
The largest banks and credit unions have acquired thousands of BBB consumer complaints; go with ADRMortgage.com and get local mortgage service with zero BBB Complaints over 10 years. Angry customers are dissatisfied with the level of customer service they received from banks and credit unions and are looking at ADRMortgage as a great solution.
Richard, a dissatisfied customer at a large bank, filed a BBB complaint and is no longer a bank customer. “I have been trying to refinance my house with bank since February 2015. It is now the middle of June. Keep in mind bank already has my mortgage. I feel like I was falsely accused of a crime and have to get all kinds of evidence to prove myself innocent. This has been the worst process ever. I'm taking my business elsewhere.” – Richard, Trenton, NJ
ADRMortgage will treat you much better than the bank treated Richard. Our team of licensed loan officers and professional support staff are always ready. ADR Mortgage hires the best loan officers, the best customer service reps, and the best processors to ensure our clients receive excellent customer service. Remember, the majority of banks hire "18 year olds" with Federal licensing requirements (name, age of 18 or higher, and that's it). ADRMortgage.com offers a wide set of mortgages. Many credit unions do not. Contact ADRMortgage.com if your credit union is only offering adjustable loans in a rising interest rate environment. As a fiduciary, ADRMortgage.com will consult on your mortgage instead of simply offering an adjustable rate loan.
Interested in a mortgage or refinance? Call TJ Powell at (919) 622-1483. (NMLS ID: 78385 / Co. NMLS ID: 88010). Or contact the owner, Andy May at 919 771 3379.
For the second consecutive year, ADR Mortgage is the title sponsor for the Raleigh Tennis Pro League. The ADR Mortgage Raleigh Tennis Pro League starts today Friday, June 19, 2015 at 7pm.
Team ADR Mortgage consists of 8 pro tennis players: Paul Goode, Sanaa Bhambri, Jessica Cook, Leydi Zora, Thomas Mozur, Phillip Faulkner, Shaun Sumner, and John Franceschina. ADR Mortgage’s captain, Paul Goode, is the USTA 30 and Over National Clay Court Champion and is the Director of Tennis at the Raleigh Racquet Club. ADR Mortgage is also sponsoring the Triangle Swim Club. Goode will lead the ADR Mortgage Team in the three-month league against other professional tennis teams.
Come watch the area’s best tennis players compete for prize money and a season championship. There will be great match-ups featuring former college players from NC State, Notre Dame, Kansas, and other schools. All ADR Mortgage Raleigh Pro League matches are open and free to the public, so come enjoy the action.
The 2015 ADR Mortgage Raleigh Pro League kicked off on June 19th, at the Brier Creek Country Club. An estimated 300+ fans and spectators will be cheering on Team ADR Mortgage as we face Brent Bennett and his team.
Interested in obtaining a mortgage or refinancing your home? Call a licensed mortgage professional, TJ Powell, at (919) 622-1483. (Individual NMLS: 78385, Co. NMLS: 88010)
First Mobile Device Mortgage Origination Completed by ADRMortgage.com's Andy May and Brett Bushnell, Realtor from Tri Local Realty, LLC
Mortgage originations done by mobile devices are no longer a thing of the future, as ADRMortgage.com and Tri Local Realty, LLC complete the first mobile device origination.
Originating loans with mobile devices isn't even on the map for many large banks, yet it's in ADRMortgage.com's DNA.
Raleigh, North Carolina (PRWEB) August 13, 2014
The first mobile device mortgage origination was completed in 2014 by ADRMortgage.com with Realtor, Brett Bushnell from Tri Local Realty LLC - 919 608 2141. Andy May, completed the first mobile device mortgage origination in 2014 when the consumer said, "I do not have a computer and I want to sign all my documents with my Samsung Galaxy device".
Andy May was able to accomodate this consumer whereas before, the consumer would have to go to the library or a work computer. With ADRMortgage.com's mobile technology, and the help of local Citrix Sharefile the consumer experienced the ultimate in satisfaction as no computer was necessary to sign documents.
Younger adults do not want to be limited by the arcane banking industry's lack of ability. At ADRMortgage.com the consumer can sign all documents necessary to complete the origination of a mortgage loan. Of course, at the closing table the consumer re-verifies all documents using the attorney's computer. The risk is the same in either transaction, a paper based bank originated loan or an online mobile device/computer based origination.
For more information on mortgage loans, call ADRMortgage.com at 919 771 3379 or visit ADRMortgage.com on the web.
Get the most value out of a home sale or purchase by working with licensed professionals that have significant experience. Why risk your biggest asset to an 18 year old unlicensed person at a bank or credit union (these "loan officers" are often times unlicensed, although afforded lofty titles)? Find additional information from Andy May at Andy May's blog. ADRMortgage.com was founded by Andy May in 2005. Refinance, Purchase, VA, FHA, and nearly every loan product - for additional information, please go tohttp://www.adrmortgage.com or contact Andy May directly. License number 103418.
May 2014 data point to continued large supply of housing stock in Wake County, as Andy May, the mortgage expert, and Irene Higginson, Realtor, explain the data. Raleigh-Durham-Chapel Hill continues to be a Sellers' Market. As predicted over the last year, home price gains are slowing in Wake County, up 5.9% year to date through May (median home prices) 2014. While most Realtors are hyping the market as hot, the facts point to nearly a 10% increase in new listings. There's no need to panic when purchasing that perfect home.
Housing supply that has fallen to 4.5 months (up from 3.5 months in January), according to Triangle MLS, this (Raleigh) top relocation market will see home prices continue to rise but at a slower pace.
As expected, during the run-up to spring (May) additional homes were listed - with an 8.8% increase in new listings to 2415 homes on the market in Wake County. Year over year data indicate that listings were relatively flat and that prices are only up 6% year over year. Durham County appears to be about 6 months lagging behind Wake in terms of numbers. We expect Durham to continue to slow. Orange County, appears to be in a downward spiral with home prices actually falling on almost all comparative periods.
In fact, Orange County (unit) home sales are almost down 9 to 17%. Irene Higginson, Realtor, states, "When it comes to all the publicity of being one of the top five relocation markets in the country Raleigh and Wake County is what the consumer demands. In fact, that's where all the job growth is. Despite Orange County's aggressive expansion plans in the future, Wake County will continue to be a top priority for relocating families."
Here's the additional data: Unit home sales in Wake county are up +2% year to date through May 2014. Irene Higginson, Realtor, can provide neighborhood level data when looking more specifically. Additionally, average home prices are rising but at a slower pace. The percentage off original list price that a home sells for in Wake County has also risen to 98.3% May 2014; indicating that sellers are getting closer to the original list price (up from 97% at the beginning of the year). Orange and Durham Counties continue to be in the low 97% range for accepted offers relative to list price.
While all this is interesting, what about the future housing stock and unemployment rates in Wake County? Wake County has a super-low housing stock supply of 4.5 months (aka a "Sellers Market").
Couple the housing stock numbers with job growth (and unemployment) and future home prices can be predicted with relative accuracy. According to the Bureau of Labor, despite North Carolina's 2.2% drop to 6.2% unemployment rate - North Carolina ranks as the 30th lowest state in the country. However, the Triangle has some of the lowest State unemployment levels approaching the 5% number (which is approximately 17th if Wake County were compared to states).
Triangle residential home price appreciation should continue to follow a low overall unemployment rate with a short (but rising) supply of housing stock. Durham and Chapel Hill data can be requested by contacting Andy May, the mortgage expert.
On the National front, the home price market has corrected to within 15% of the 2008 peak. Home prices nationwide are back to 2004 levels and have another 15% to go before hitting the all-time high level of 2008. Nationally, home prices are up 13% year over year and over the last five years they are up 2.8% per year (better than savings rates for sure).
For more information on mortgage loans, call ADRMortgage.com at 919 771 3379 or visit ADRMortgage on the web. Irene Higginson, Realtor, states, "The Triangle has remained a top 5 relocation market due to excellent schools, outdoor activities, and a big city life style at country prices."
Top 10 Natural Disaster Risk Cities in the U.S. to potentially avoid when purchasing a home, insuring a home or investing in real estate securities, as researched by 25 year veteran Andy May and ADRMortgage.com and Elizabeth Killinger, senior research and actuarial analyst at ADRMortgage.com.
ADRMortgage.com’s Andy May and senior research assistant, Elizabeth Killinger, release the research that purports to illustrate why these top ten real estate markets may not be the place to purchase when looking to invest, insure or live. This is a relative ranking of each city in the US and over 3,000 counties and is for uninsured risk exposures.
The basic premise from which ADRMortgage.com developed this model begins with two major elements for 3 different audiences that all share similar risks. The two major elements are severity and frequency of damage caused by natural disasters. ADRMortgage.com has developed proprietary models that are based on readily available government databases to develop a frequency model for 4 different natural disasters. Not all natural disasters effect the 3 “investors” mentioned above equally (audiences are the consumer, investors and insurance companies).
The 4 different natural disasters that cause uninsured losses are tornadoes, hurricanes, earthquakes and floods. These 4 natural disasters were then developed to determine a predictive time period over the next 20 years (the expected life of a mortgage is approximately 7 years). Most investors, home owners and bond holders may have a horizon of only 8 to 10 years, but the ADRMortgage.com model evaluates 20 years in this release. If interested in the 10 year model, please contact elizkillinger(at)gmail(dot)com or andymay(at)adrmortgage(dot)com.
Astute investors may surcharge these areas in order to adversely select their competition. However, the model compensates for insurance coverages and their costs. While fire risk may be highest in southern California it is almost a given that nearly every home has fire coverage and the three interested parties would be made full by such an occurrence. Therefore, the model does not discount southern California cities for fire risk.
Insurance claim payment amounts for homes are fairly negotiable, after the natural occurrence. While most insurance coverage is for a specified amount there is a certain amount of political risk associated with large natural disasters and insurance carriers often times step forward with positive results for the home owner and subsequent mortgage bond holders.
For more information on mortgage loans, call ADRMortgage.com at 919 771 3379 or visit ADRMortgage on the web.
Raleigh, NC (PRWEB) June 06, 2014
Andy May, the mortgage expert, explains how consumers can avoid the ultimate mortgage rip-off: paying the bank $500 and getting denied. What loyal customer wants to be thanked by getting charged for a denial (particularly when the consumer can call ADRMortgage.com to avoid such abuse)?
Celebrating 10 years (10 years without a single BBB complaint) in business, Andy May, owner ofADRMortgage.com, uncovers the easiest way to make sure the consumer doesn't cough up $500 to be denied for a mortgage. It's simple, don't pay an application fee. Let me repeat, do not pay an application fee. If the consumer's bank charges one, run. Don't walk, run. In 2012, according toMarketwatch, the bank with the most denials is Wells Fargo.
According to AnnaMaria Andriotis's September 28, 2013 article, "The top 10 largest mortgage lenders rejected over 100,000 consumers." Interestingly, at ADRMortgage.com - there are no upfront fees for applications. So, why pay one when the consumer doesn't have to? Even if only 50% of those applications came with a $500 application fee (upfront) consumers would have flushed $50 million dollars down the toilet. Contact ADRMortgage.com to avoid upfront junk fees."
The story goes on to state that some of the top ten banks in the country experienced denial/rejection rates as high as 1 in 3 mortgage loan applications in 2012. Data takes a while to be collected so these rates are sure to come down. But even if the denial rate is 25%, that's still too high when the consumer pays $500 to get rejected.
These tactics are often times used when building a new home. The down-payment may become part of the profit to the builder. And unsuspecting consumers lose hard earned down payment money. The one thing that a new home buyer needs more than anything is unbiased advice from a mortgage expert. Andy May, the mortgage expert, can help consumers avoid the loss of down payment when building a new home.
These are reasons why consumers should work with trusted, licensed, mortgage brokers. As the consumer's fiduciary the mortgage broker looks out for the consumer. At ADRMortgage.com there are no upfront fees charged. Period. Not even for the credit report. Good old fashioned customer service, and no BBB complaints ever to date. We take care of the client, it's the way ADRMortgage.com has always done it.
Get the most value out of a home sale or purchase by working with licensed professionals that have significant experience. Why risk your biggest asset to an 18 year old unlicensed person at a bank or credit union (these "loan officers" are often times unlicensed, although afforded lofty titles)? Find additional information from Andy May at Andy May's blog. ADRMortgage.com was founded by Andy May in 2005. Refinance, Purchase, VA, FHA, and nearly every loan product - for additional information, please go to http://www.adrmortgage.com or contact Andy May directly. License number 103418.