My world’s changing

June 14th, 2013

EarthIt’s been too long since my last post, so I thought I would catch you up.  If you follow me on Twitter or Instagram or if we are friends on Facebook, you probably know most of what I’m about to talk about.

Real Estate has been good, challenging, but good.  As Donald Trump says “real estate is always good, in my opinion.” We are in the early stages of selling season, so if you or someone you know is considering selling, I’d love the opportunity to be a resource.

On to the more fun and personal side of things:

  • April 13th-Kendall felt our baby move for the first time
  • April 22nd- I felt the baby kick for the first time
  • April 23rd- We found out we are having a precious baby girl!
  • April 25th thru May 1st- we went to see Kendall’s brother in Savannah, GA with her family
  • April 29th- We skipped out on the family and went to play golf in Bluffton, SC (baby girl was moving like crazy on the course!)
  • May 6th- saw baby girl’s movements for the first time
  • May 29th thru Jun 5th- Our last vacation before we become parents to Naples, FL (if you’ve never been to Naples, do yourself a favor and book a trip)
  • June 12th- At 5:36 pm my first nephew was born, Ronan James McKamie!

I’ve never been around little girls, so this will be a whole new world to me, but I couldn’t be more excited.  I’m looking forward to being the example of how ANY boy is expected to treat her.  I’m excited to put a golf club in her hand and pray that she takes to it. But most of all, I’m excited about the relationship that I will have with my baby girl! Before now, I never knew how you could love somebody so much…even though you haven’t meet them, but I’m totally in love with my little girl!!!

Baby Girl Announcement


This is the picture we posted to announce Baby Girl on social media

Ronan JamesJ,A and RJMe and RJ







And this is my little dude, Ronan James!!! In the picture on the right, I introduced him to his first US Open…what a good uncle I am!!!

A Day for the Record Books

March 7th, 2013

This post was written Thursday, February 7th.

Yesterday, February 6, 2013 will go down as one of the greatest days of my life to date.  To be honest, I can only think of a few days that would even come close. As you know by now, I’m a realtor and sell houses for a living. I listed some of our best friends’ house over the weekend and received an offer on Tuesday night…yes, 4 days after it hit the market! To make a long story short, so I can get on with the rest of my incredible day, I received a second offer before we had to respond to the first offer.  Now being in a multiple offer situation, I called the first agent to notify her that her buyers now have competition and I would be presenting all offers at 7:45pm and if her buyers wanted to sweeten their offer, to please do so before 7:45.  (I NEVER told either agent what each offer was) Side note: I did not call the second agent to notify her of multiple offers because she was made aware of this prior to submitting her offer.  At 7:45 pm I met with my friends (and sellers) to discuss the situation and we accepted one of the offers…that’s right, we accepted a contract 5 days after hitting the market!!!

Secondly, my wife and I were given some inaccurate information regarding our health insurance policy and did not discover this until last week.  When we signed up for health insurance, we were told that there was a 12-month waiting period before maternity coverage would take effect…no problem.  Well, come 15 months later, we are starting to want to start a family and we find out that we do not have maternity coverage yet due to the inaccurate information we were given the day we signed up for health insurance back in 2011.  We decided we were going to make an appeal for the waiting period to be bypassed because we had done everything that we were told by their representative.  I know what you are thinking, which is same thing my family was thinking, no way this big company will make an exception for this little sob story couple.  But with God’s help and complete belief that He would, BCBS has decided to make an exception for us and our child will be covered. It was the first time, in my adult life, that I knew God showed us His favor.

And lastly, which you can probably guess where this is going,we got to hear and see our child for the first time! YES, come the middle of September we will be welcoming a new member to our family.  We could not be more excited, we have a HUGE challenge ahead of us with a brand new journey, but we are in it together.  Kendall and I have talked for years about how me make a mean team, so this will put us to the test, a test we are prepared for.  I know, with a lot of help and prayer, we will be raising a world changer!  Get ready, ‘cuz my kid is going to change the world!

God is SO INCREDIBLY good!



…if God is for us, who can be against us? – Romans 8:31

Achieve Your Dreams

January 11th, 2013

If you haven’t guessed by now, I am a big believer in setting goals.  I truly believe that if you take the time to write down you goals, you have a greater chance of actually achieving them.  For me, I want to see them every day, so I set a reminder on my phone for every morning for 7:30, and at 7:30 I get an appointment reminder to review my goals for the year. While reading an article about writing goals down, I saw that a professor at Virginia Tech, Dave Kohl, found that “people who regularly write down their goals earn 9 times as much over their lifetimes as people who don’t”.  Did you read that…9 TIMES!!!

Now from my own personal experience: last January my team leader, Jim Fischetti (@jimfischetti) had me write a letter to my wife about all the things we were going to accomplish in 2012…then he sealed it in an envelop.  He gave it to me at the end of the year and asked how I did…I had completed over 75% of the things in the letter! And of that other 25%, I had come closer to doing some of those things than I had ever done!  Talk about the power in putting it down on paper…and I didn’t even look at it again for the rest of the year!

If you want 2013 to be your BIGGEST year ever, you have to write down what you want to achieve this year. Pastor Craig Groeschel (@craiggroeschel) has said that “everybody ends up somewhere, but few people end up somewhere on purpose.” This is why I love the hashtag #makeithappen, that is beautiful thing about life…we get to determine our own future. So if you are like me, and what to do BIG things, go out and #makeithappen.



A goal is a dream with a deadline. – Napoleon Hill

When 29 is Better than 145

January 10th, 2013

I’m a day late but I wanted to give @OKIHomeStager her time here.  She has hit the nail on the head with this one…and I’m not even talking about her first two points.  Recently I was reading article on the National Association of Realtors website and this statistic STUNNED me.

“Recent statistics gathered by shows that 94 percent of homes staged by an Accredited Staging Professional sold in 29 days or less, compared to an average of 145 days for homes that were not staged. What’s more, homes staged by Accredited Staging Professionals stay on the market 83 percent less than a home that has not been staged.”

Talk about #makingithappen. Do you want your home to sit on the market 29 days or 145 days?



The average American moves once every 5 years. When it’s your time, there are several key elements to consider in getting your house sold quickly and for the best price.

First, hire a Realtor. They are worth it! They not only help you market the home, they are trained to negotiate the deal, handle details and problems, and coordinate the closing with the buyer, the lender, and the inspectors.

Second is pricing. It is so important to be competitive. Here is another example of how a Realtor can help. They have the necessary tools to price your house to sell. Follow their advice. They are on your side!

The final piece is preparing your home for sale. Most people get their home ready to sell like they are getting ready for a party. They clean.  While this is an important step because nobody wants to buy your dirt, preparing your home for the market is so much more! It’s making sure that repairs are made. It is neutralizing color choices so that everyone can envision their personal items working in the space. It’s removing family pictures so that that your future buyers are talking about the house and not you!

Hiring a professional Home Stager is a great investment and definitely worth looking into. They will be able to help you with all these things, plus furniture arrangement, de-cluttering, and giving your home “Pop”! Often, they are able to work with items already in your home. The cost of a professional is usually very reasonable, especially when is almost always results in higher offers and less time on the market. Be sure and ask your Realtor about Stagers they can recommend.

If you have already moved and your house is vacant, a Stager can also help give your house warmth by adding decorations, pictures, and even furniture.  It will really make a huge difference in the home’s presence online as well as when buyers visit it in person. And while the cost of staging a vacant house is usually more than staging an occupied one, again, almost always results in higher offers and less time on the market.

Lisa Stitt is the Senior Stager for Oklahoma Impressions Home Staging in Oklahoma City, OK.

Lisa M. Stitt
Senior Stager
Oklahoma Impressions Home Staging

The Perfect Loan File

January 7th, 2013

It’s been quite a while since my last blog post, but its a new year and new goals for 2013.  It’s also the first Monday of the month…which means its Mortgage Monday.  Taylor Ortiz is speaking some truth in this month’s post, if a buyer can accept this fact, you can get through the loan application and underwriting process with fewer headaches.  Keep in mind, the lender would not be asking you for these documents if it were not required by their investors.  The lender is on your side, as much as he/she can be.


Coming together is a beginning; keeping together is progress; working together is success. – Henry Ford

In today’s world of mortgage lending, some tend to think the problem and frustrations are satisfying credit underwriting guidelines.  That’s not the problem.  The problem is meeting rigorous documentation requirements that investors require, a lot of people give up or become extremely overwhelmed and very upset by documentation requests from the lender.

The fix is Simple…  Scan, fax, or deliver every aspect of your financial life and don’t ask why.  You may hear other consumers tell you the process was a nightmare.  Odds are it was only a nightmare because the consumer was not willing to provide all the documentation required…asking “Why?” instead of saying “OK”  By taking this philosophy, the whole process will be so much easier.

OLD GOAL…  “The perfect loan” A loan that A.) Pays back the lender and B.) Pays back the lender on time.  Steady income, big down payment, perfect credit, mortgage history were all priorities.

New GOAL… “The perfect loan FILE” Fannie Mae and Freddie Mac have forced mortgage companies to buy back single mortgage loans.  A $200,000 buy back is a huge loss considering it will never be repaid.

The cause for these bad loans were from substandard practices, stating that loans were “high quality.” The small and medium sized mortgage companies have created the over extensive underwriting guidelines and procedures to eliminate any future loan repurchase losses.  Excellent credit, big down payments, steady income are not the driving force.  Being able to properly document your financial life is the new #1 priority.  If the loan that is sold, is exactly consistent with the underwriting guidelines published by the investor and is documented correctly, the chances of a repurchase are highly unlikely.

If you understand the new goal and comply with your lender, the next financing process whether purchase or refinance will be a smooth one.



Taylor Ortiz
Mortgage Loan Officer
Spirit Bank
Edmond Mortgage
3823 S. Boulevard,
Edmond, OK 73013
Office phone: 405-513-7805
Mobile phone: 405-509-1064
NMLS# 449866


Less is More

December 12th, 2012

It is the second Wednesday fo the month, which means is time for some staging tips.  I am so honored to partner with Lisa in helping you better stage your home. When Kendall and I put our house on the market (which will be in ’13) we will be calling Lisa to come help us. Please give Lisa a call, she is fantastic at what she does.


Older and wiser voices can help you find the right path, if you are only willing to listen. – Jimmy Buffett

Home Staging and De-cluttering

One of the major reasons why people move is because they’ve outgrown their space.  When this happens, clutter is a major enemy in getting the home sold. Here are a few things to keep in mind when getting ready to list your home.

1)  Storage units, especially medium sized ones, are usually perfect for people Staging their home. Find one close to the house, even if you have to pay more. Then, as you box and label, store off site in regular trips.

2)  Bookcases tend to be the worst, and if they are built-ins, you definitely want to de-clutter since they are part of what you are selling. No more than 50% of the shelves should be full and keep only nice books and items.  Use greenery to fill in gaps.

3)  Closets are a major gathering place for clutter. Take this opportunity to eliminate unused or unwanted items. Label and box all other items and move off site.  You should be able to catch glimpses of the back wall.

4)  Use Rule of 3 on Kitchen countertops. Leave only 3 items out on counter. Example: Paper towel holder, coffee pot, decorative item.

5)  Sometimes clutter isn’t junk. Sometimes it’s really nice stuff, like decorations. Replace picture groupings with larger, single pieces. Remove larger, bulkier furniture to make living areas more spacious. LESS IS MORE!

Here are just a few tips. If you have additional questions, ask your Realtor, or consult a local Home Staging professional in your area!


Lisa Stitt is the Senior Stager for Oklahoma Impressions Home Staging in Oklahoma City, OK.

Lisa M. Stitt
Senior Stager
Oklahoma Impressions Home Staging

Avoid PMI Without Putting 20% Down

December 6th, 2012

You might remember, I have asked one of my lender friends to contribute to the blog on a monthly basis.  It is supposed to be the first Monday of the month, but he has been out of the office sick the first half of the week.  That is why you get a Mortgage Monday on a Thursday.  Let me brag on Taylor (@taylorortiz) for just a bit; I had a client call him last week because the first bank he contacted was giving him a hard time about EVERY little thing and was only going to preapprove him $30K-$50K less than his target price range.  When I met with the client the day after he spoke with Taylor, the first words out of his mouth were “Thanks for giving me Taylor’s name and number, he was EXTREMELY helpful.” My client is now preapproved to his target price range and we are going to see a few this evening.

Thanks TO for making me look good and for helping us #makeithappen




Everyone hate’s paying PMI, so why pay it?  The public’s belief is that the only way to eliminate monthly PMI on a conventional loan is by putting 20% down.  Not true.  A buyer can put a minimum of 5% down and NEVER pay monthly PMI.

  • How does this work?   Onetime PMI.  A buyer can pay a onetime PMI fee in the form of a discount point that will eliminate monthly PMI.  We know that PMI does not drop off until the loan is at 80% LTV, which means you will pay monthly PMI for over 9 years.
  • Financially worth it?  Yes!  It only takes a little over 3 years to recoup the onetime upfront fee.  The fee is also charged as a discount point which means 2 things, its tax deductable and sellers can pay it.
  • How much is the fee?  The onetime fee is derived from credit and loan amount, but to keep it simple, let’s assume the buyer has 740 FICO and putting 5% down on $200,000 purchase price, the fee would be $3,800. Beats paying monthly PMI for 9 year which would total over $10,700.        

This program can help buyer’s increase their price range by $25,000 in some cases without increasing their monthly payment.  That’s a bonus room or maybe a pool that’s now in their price range.

Monthly PMI Program                                  Onetime PMI program (lowest payment option)


Purchase Price – $200,000                      Purchase Price – $225,000

Down Payment – 5%                                      Down Payment – 5%

Interest Rate – 3.5%                                       Interest Rate – 3.5%

P&I = $853                                                           P&I = $959

PMI = $100.00                                                    PMI = $0

$953.00                                                               $959.00



Taylor Ortiz
Mortgage Loan Officer
Spirit Bank
Edmond Mortgage
3823 S. Boulevard,
Edmond, OK 73013
Office phone: 405-513-7805
Mobile phone: 405-509-1064
NMLS# 449866


-Can you see why I like to refer clients to TO?


December 5th, 2012

If you follow me on Twitter or if we are friends on Facebook, this is nothing new to you. But yesterday was an exciting day for me and my family…actually Thanksgiving Day was but yesterday is when we were allowed to make it public knowledge.  My brother (@joshmckamie) and my sister-in-law (@aubmckamie) are expecting their first baby…which means I’m going to be an uncle for the first time!!!  I can’t begin to tell you how excited I am to see and hold my niece or nephew!  That kid is so blessed to have Josh and Aubree as parents, I have no doubt they are going to be fantastic! Its a HUGE blessing that this baby will never have to wonder if Mom and Dad love each other.  And let’s be honest, what else could a child ask for other than knowing Mom and Dad are going to love each other and remain one family?

Kendall and I are so excited to be the fun aunt and uncle that is disgusting! We have already got Baby Mack (that’s what they are calling him or her until further notice) a “welcome to the family” gift and we may or may not have already got Baby Mack a Christmas gift.  A friend of mine (@blakerdtrimble) has already taken the name “Uncle Awesome” so I need to come up with something along those lines but for now, I couldn’t be more excited and honored to Uncle Chad.

Plus today is my birthday and I LOVE my birthdays!  I’m one of those guys that make a big deal out of my birthday. So needless to say, I’m having a great week!



You can tell your uncle stuff that you could not tell you dad.  That is kind of the role of an uncle.- Unknown

Happy Birthday Sweet Nana

November 22nd, 2012

First, let me wish you and your family a happy Thanksgiving! Today is my third favorite holiday, behind Easter and Christmas. Its a great day and I have so much to be thankful for (see yesterday’s blog post), God has truly blessed me. This Thanksgiving is totally different from any other our family has ever experienced, it happens to be Nana’s birthday. This is not the first time Thanksgiving has fallen on Nana’s birthday, but it is our first Thanksgiving and birthday without her. Our lives have not been the same since Super Bowl Sunday (when she went into the hospital) and especially since Feb 25th. This year has been incredible, I got to see and experience my family in a whole new light.  I always knew the McKamie family was close and unlike any other, but it wasn’t until Nana went into the hospital that I experienced the true definition of “family”.  At one point during Nana’s stay in the hospital, we had the entire family in the waiting room.  Melissa came from Princeton, NJ, Michele from Vail, CO, the Kansas City McKamies…everyone. No one else in our family could gather the whole family, but her, she was just so so special!

During Nana’s time in the hospital, she was never scared; she was calm, funny, witty, and sharp. My Pawpaw has said that she taught him how to live. She taught us all how to love by loving us. She taught us all how to die by never being afraid. My Sweet Nana is one of the people I am most thankful for, there will never be another like her.

Happy birthday Sweet Nana! We love you and miss you every day!



A grandmother is a little bit parent, a little bit teacher, and a little bit best friend. – Unknown

So Much to be Thankful For

November 21st, 2012

In the spirit of Thanksgiving, I feel it is only appropriate to tell you what I am thankful for.  There are so many things to be thankful for in my life…I’m definitely blessed beyond belief. Yesterday during my weekly productivity coaching session, we started the session by started by going around the table and sharing one thing we are thankful for, excluding our family, faith, and friends (because that is normally a given). Several of the agents (including myself) in my coaching group mentioned something about work, in particularly, the culture of our Keller Williams office. We have some of the friendly, helpful, encouraging, empowering, and funny agents in our office.  It is truly an honor to be a part of such an incredible work environment. But the question got me thinking about what else I am thankful for outside of family, faith, and friends.

As I thought about it throughout the day, I came up with a list that I am thankful for outside the 3 F’s:

  1. My relationship with Kendall- she is my very favorite person in the world to be around.
  2. My work- I’m blessed to be able to do something I enjoy.
  3. My KW team- everyone from Jim, Marilyn, Cyndi, Nancy, Jo, Harriet, and the new tech guy that starts Monday to my fellow agents that allow me to ask questions, vent, learn from, and laugh with.
  4. Facebook- FB has allowed me to reconnect with friends from elementary school.
  5. Twitter- Twitter is awesome…enough said.
  6. My health- while I’m not in the best shape of my life, I am pretty healthy. Look for an 8-pack of abs next year though.
  7. Golf- as funny as that my sound, I am so thankful for golf and everything I’ve been able to experience due to golf. From the relationships to the trips.
  8. My mentors- I’ve been blessed to strike up friendships with some incredible people who are willing to pour into my life.
  9. Our country- Even though I don’t agree with everything the people in Washington are doing, we still live in the greatest country in the world.  I’m free and safe.
  10. My Friday morning breakfasts- I love my time with Clay, Shawn, and Brett.
  11. My birthday- my birthday is in 2 weeks from today and it is, by far, my favorite day of the year. This will be # 29 for me.
  12. Warm weather- I hate the cold, so I am loving these 70-degree days in late November.
  13. The Thunder- Yes, that Thunder.  They are so much fun to watch and do such great things for Oklahoma City, and I’m all for anything that brings good to OKC.
  14. My 2012- This year has been incredible! So much growth, learning, challenging, and #makingithappen!
  15. My 2013- This year has been awesome, but 2013 is going to be even better.  I’m expecting BIG things next year.  2013 is all about #makingithappen

What are you thankful for outside the 3 F’s?



Thanksgiving dinners take eighteen hours to prepare. They are consumed in twelve minutes. Half-times take twelve minutes. This is not coincidence. – Erma Bombeck