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How do you rate your lender realtor partnerships? Jo Garner speaks to how to effectively and profitably collaborate together to create a seamless and stress less experience for your customers and clients. She shares how she so successfully manages to be the LENDER OF CHOICE by providing systematic communication, networking and client retention programs that keep raving clients for life! A Bit About Jo: “Whatever YOUR personal priorities are, my job is to help you get the mortgage terms that will give you bragging rights when you talk about it and help you score on hitting your goals.” As a mortgage loan officer, my job is to help you get to the benefits you want from your financing terms. What is most important to you? I can help you find the financing terms that will help you get to what you want. What is your comfort level on a house…
It’s a very strange time for the country in general, the mortgage industry and real estate are not without their challenges as well. Some are directly linked to the other, some much more convoluted in their connection. It’s not hard to see that rising inflation impacts everyone. If things cost more, then they cost more. Some people are fortunate enough to stay ahead of inflation with their income, others will have to do with less. The real issues aren’t just that things cost more, as much as the stress that is caused when entire budgets are blown, or opportunities are eliminated because of it. The emotional impact can be very real as rising prices take their toll.
We are seeing inflation far exceed FED targets and they have pushed their projections of inflation from “transitory” firmly into “reality” as it will not be temporary and certainly will not…
Anais Nin “And the day came when the risk to remain tight in a bud was more painful than the risk it took to blossom.” Move Up While The Price Is Right For years Maynard and Marlene Mueller had yearned to move to a more upscale neighborhood where some of their friends were living. The price tag on the monthly note would have been $800 higher than what they were paying then on their current home. That plan was insanely out of reach for them in 2018. However, in the current market the Muellers considered the deep dip in the mortgage rates combined with the simultaneous spike in their current home value. Now they finally could make the positive pivot to the bigger, beautiful home. They sold their current home at a top price and took the $300,000 net profit and put it down on that more upscale…
With both a law degree from Marquette University and 20 years real estate experience, Nicole offers her clients the benefit of working with an agent who really understands the intricacies of the complex real estate contracts along with the practical experience of what it really takes to list and sell a home in the shortest amount of time while maximizing the seller's proceeds. The Real Estate Center – Pewaukee WI Starting her real estate career in 1999, Nicole has had the opportunity to grow with and learn from the real estate market over the past twenty years. She understands the value of an education holding a law degree from Marquette University. As a licensed attorney in the State of Wisconsin and a real estate broker with the firm she founded, The Real Estate Center, Nicole sees her role as not only an advocate but also an educator. Education is empowering and whether it is…
Now is an important time in our industry to pay attention to the numbers, the charts, and especially the political rhetoric on all sides. I don’t remember a series of potential market movers and known events all happening in the next week, but any or all of these could dramatically move the markets. First, lets look at where we are to see where the mortgage markets sit as of 6am 10-7-21 when I am writing this: UMBS 30yr 2.5% is 103.05 – 10yr T is 1.52. In the past year the High was 105.63 on 1/4/21 and a low of 102.20 on 3/19/21 and the 10yr T was 1.71 on 3/31/21 and .709 on 10/14/20 Just a point of reference and charts you can have available to share with your clients. We also saw refinances drop 10% week over week and down 16% year over year with rates only being…
Nicolas Manetta-“Those who don’t think outside the box are easily contained.” “We have reached a tipping point,” real estate market experts are saying. They point out that more homes are being listed for sale, and the prices are still rising, but not at the double-digit frenzy we have seen over the last year. Homebuyers are stepping back into action and making offers on homes now that there may be only five competing offers on the house they want instead of twenty-five offers. Buyers want to lock in a fixed mortgage rate in high two’s or three’s to give themselves an affordable house payment and a design on building their personal wealth. Home sellers sitting on the fence are now staking the “For Sale” sign out in the yard. While home prices are high and demand is red hot, sellers want to realize the highest profit and not regret…
There is always an opportunity to be had in each situation. Rising interest rates are no different. It’s ironic that people aren’t as excited about 3.25% or 3.5% or 3.99% on the way higher than they were as they were when rates were falling to those numbers. It wasn’t that long ago when these numbers were very exciting to our clients. The solution to finding the opportunity in rising rates is to remind people that rates are just a number, and it’s the PAYMENT that people need to focus on. I get it, people are emotionally attached to rates but rarely tie that to the difference in the payment. It’s your job to tie it together for them. Do the math and run the numbers! It’s also important to share the facts of the market. Pull up a two-year chart of the UMBS 2.5% coupon show where we are and…
You always must pay attention when the FED speaks, yesterday the FED spoke and shook the markets. While the move was quick and sharp, the bond market was able to recover the steep loss by the end of the session. The reaction just proves why you must listen to the FED when they speak, and sometimes when they shake up the market the market recovers quickly, other times it starts a trend. Given the news and the thoughts they shared, it won’t be long before the next trend will begin, and it won’t be your friend.
Looking at the news, the “transitory” inflation as they call it has made their inflation prediction to 4.2% from 3.4% just last June. Given the target rate of 2%, even a rosy forecast of 2.2% for 2022 is still higher than the target rate, and is all growth based on a very…
Lily Tomlin “The road to success is always under construction.” Are you preparing to get a mortgage on a home you are about to buy or refinance? If the mortgage company requires an appraisal on the house, it is good to investigate, inspect, and innovate if needed before spending your money on the appraisal. For example, what needed repairs can you see with the home? Will the seller agree to pay for getting all the repairs completed? How much will you need to pay for the repairs? Investigate The home condition can create obstacles to getting the value needed or getting approval from the mortgage company’s underwriting department. For example, appraisers notate repairs that affect the structure, security, and sanitation of the home. Mortgage companies require these types of repairs to be completed before closing.
Inspect Repairs that affect the structure include rotted wood; foundation problems; roof leaks…
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Coni Meyers, LMC, CBLC, CDC, Crisis Management Specialist, and Leadership Clarity Strategist has spent over 40 years supporting thousands of individuals and businesses. She is passionate about helping and creating mindful, visionary leaders that can overcome any crisis and disaster. Her unique background combined with her experience as a FEMA inspector and trainer gives her an all encompassing perspective for creating this certification. She saw a need to educate and prepare as many individuals as possible for all disasters. And so CKM was born! Coni has helped taken the National Home Inspection Company, now known as WIN Home Inspections, and OnlineEd from the local market to having a national presence. Additionally, she has owned four consulting companies and has earned three prestigious life and leadership coaching credentials. Coni is the founder of CKM Solutions Group, as well as Crystalline Moment Success Movement and Kickbutt Leadership. She is an international best-selling…
With about ten weeks to go in the “Production Year”, (loans that will close and pay you before 2022 arrives), I like to throw out a challenge. What can we do, just one simple thing we aren’t doing now, that will generate an extra $25,000 in commissions we can donate to local charities or to families in need in your area? We have had solid, if not record-breaking years the past few years, and we should give back, if for nothing more than the fact that you can. At least everyone that makes a commitment to do it can! So here is the challenge. Send me an email, This email address is being protected from spambots. You need JavaScript enabled to view it. and let me know “Challenge Accepted” and what you are going to do, and where you want to target your donation. If you commit to doing the work, I will commit to helping you succeed! I will provide you with an initial coaching…
![It’s Time to Start Planning Those Client Appreciation Events! Get the Scoop From Experts Mike White & Terri Murphy to Keep Clients for Life! [PODCAST]](/media/k2/items/cache/f3dec49a942a2995da765e4cb54e091e_S.jpg)
Listen to the full podcast below:
I often get asked, “How long does it take to be successful in this business?” The next most common question is “How many hours do I have to work to be successful?” Both questions are the opening to a discussion that is different for almost everyone who asks it. The first question leads to my return question, “How do you define success?” Success is different for everyone. It means different things to different people. To me, you must have a target to aim for and measure against. While time frame is important, does it really matter how long it takes as long as you get there? It also matters that once you reach what you consider to be successful, that you can stay there! Longevity matters! But to be specific, I have always maintained that a successful originator be able to average 8 to 10 units per month consistently year…
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