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Tony Phillips
Tony Phillips Quick Facts
Main Areas: FHA-insured Mortgage FinancingCareer Focus: Business Owner
Affiliation: C-Loans, SFI, Wealth Creations Network,
Hello I'm Tony Phillips, known also as Javeton – a pen name under which several of my articles and blog posts were written and published. A name that also has very special significance among family, friends and is recognized by a number of Web networks in which I have memberships and active participation. My residence is in the central New Jersey city of Woodbridge and my professional background is professional sales with a big chunk (32 years) devoted to real estate sales – both as an an associate and a broker – as well as mortgage brokering, and mortgage lending services, the last nineteen years having been spent representing three New York-based mortgage lenders. I was recently forced into early retirement as a result of an injury which affected my ability to carry out the duties demanded by the position I held with my last employer. Having said that, I do consider myself fortunate to still be able to work (from my home computer) towards the improvement of two Web-based entities (TPJaveton Enterprises and TPJaveton & Associates) I had created a few years earlier. These entities provide a way for me to chart a new course (Web marketing) with great optimism. TPJaveton Enterprises, created in September 2008 was originally active in eCommerce warehouse products, but has since expanded into affiliate marketing, which encompasses article writing, website publishing and blog creation, among many other needed activities pertinent to the affiliate marketing responsibilities. As founder of TPJaveton & Associates and TPJaveton Enterprises ("TPJaveton"), my objective is to manage the affairs of these Web entities in a manner that ensures relevancy, quality, usefulness and social acceptance of the content provided on our websites; whether the topic(s) be related to real estate and/or mortgages, affiliate marketing or any other subject matter that may be covered on our blogs and websites. Information is provided freely and in an effort to reach people who will benefit most by utilizing it. In addition, TPJavetonSelect newsletter which was published on June 11, 2010 is available free of charge to present and future readers and supporters. Visit the TPJavetonSelect page to subscribe. The journey continues... God willing. Friendship enriches our lives, like a smile brightens the room, and it begins with a handshake. Tony "Javeton" Phillips
Favorite Quotes & Thoughts from Tony Phillips
There was a time when creative real estate financing had become too creative for the traditional lender, and as it turned out, he was right in many respects because, as we now know, Creative Real Estate Financing methods that did not conform to traditionally acceptable mortgage insurance requirements underwent a total meltdown and almost took the entire real estate & mortgage industry, as well as the US economy down with it.
Getting Started With Tony Phillips
Dating back to 1992, my first year as a mortgage lender representative (Account Executive was the actual title), I learned very quickly that mortgage programs offered by the Federal Housing Administration (FHA) were among the best and most affordable available to home buyers. I decided then that any success achieved in my mortgage career would have to include FHA-insyred mortgages. What wasn't very clear then is that commercial mortgage applications would become as important a part of my career as it did. The reason? Mixed-use (combination of residential & commercial units in the same building) properties.
Did you know that the FHA-insured 203k rehab loan is the only residential mortgage program that can be used to finance the purchase of mixed-use properties? That was certainly true during my years in the industry, but more to the point of commercial mortgage origination, 203k was a perfect segue into commercial mortgages for me during that time. Recent changes to the FHA regulations have affected the 203k program in a way that may eventually eliminate the financing of mixed-use pr
