When opportunity knocks, answer the door!!! As the mortgage industry goes through another series of changes, you need to know how to take advantage of these changes.  We have talked about the purchase to refinance balance for all originators. Never has that balance swung so far to the refinance side, then back to the purchase side, that this has been a challenge for some to navigate.  There have been thousands of layoffs industry wide, some good people who have lost their jobs because their companies were not ready for the shift in business. Many licensed originators, LOAs, processors, underwriters, closers, and support people who could be a HUGE benefit to any thriving mortgage branch or company. Are YOU prepared to take advantage of this opportunity? The new reality is you need to be strong in the PURCHASE arena and setting coffee appointments with Realtors® and buying leads is NOT going to get…
Posted On Monday, 13 June 2022 00:00 Written by
When you need help, have you ever heard yourself saying… • I don’t want to appear needy or weak• I’ll just do it myself because it won’t be done right, and I don’t want to bother anyone• If I ask for help, they will think I’m incapable Why is it that women don’t want to ASK, or better yet, allow receiving help? 
It is a loaded question with a ton of varied responses. When I conducted an informal survey through my Women’s Wisdom Network, women stepped up and admitted in general that they sucked at both. In almost all cases, the accepting help beat out the ASKING for help by almost fifty percent.  We aren’t good at asking and that made me think…why? In my own life, I’ve been taught to buckle up, figure it out, do it myself, and move on.  It stems from women needing to…
Posted On Friday, 10 June 2022 00:00 Written by
“Change is inevitable. Growth is optional.” Countryliving.com The economy is changing, and families and individuals are modifying their living arrangements with the right financing. J.P. Morgan, CEO Jamie Dimon said recently, “brace yourself” for the economic hurricane. He was basing his prediction on the Federal Reserve’s perceived plan to continue bumping their Fed rate up multiple times this year and into the following year to try and push down inflation.   As the Fed continues to raise its rate and reduce its balance sheet of securities, the result looks like a recession in the future.  Consumers tend to restrict the number of purchases and switch to more affordable brands in response to the rising prices caused by inflation.  Homeowners with a fixed-rate mortgage historically have fared well compared to renters, because the principal and interest portion of the mortgage payment for homeowners is generally fixed and not going up and…
Posted On Thursday, 09 June 2022 00:00 Written by
Augmented reality has seemingly had its “time and place” in our lives in the past decade, most notably through interactive games like Pokemon Go or other geocaching applications. So many business professionals and general consumers have filed it under the label of a luxury item that it is only good for entertainment purposes. But little do many who turn a blind eye to the powers of A.R. know that there is a whole growing and disruptive world outside of this physical one we call home. A.R. is not “just a passing fad” or “some type of video game”; it has transitioned recently from a digital technological concept to a diverse and disruptive application implemented in so many different ways available to us.
From GPS systems to smart refrigerators, so many versatile technologies and characteristics of those technologies make up the concept of A.R. But the most notable environment…
Posted On Tuesday, 07 June 2022 00:00 Written by
It is very hard for markets to find their way when those in power and in control are just so WRONG all the time. When the former FED Chair and now Treasury Secretary Janet Yellen, someone who should know things about economic issues, absolutely gets inflation so incredibly wrong that she states that the only cure is for the government to spend trillions more dollars, even well after just about everyone else had given up the whole “transitory” nonsense. It gives people pause to think about how she would be so far off the reality we are experiencing now. When the current FED Chair Jerome Powell, the original author of the whole, “inflation is transitory” myth, tries to work himself out of the corner he painted himself into, by slow rolling raising interest rates and pushing congress to abandon the thoughts of continued spending trillions more dollars; it just makes…
Posted On Monday, 06 June 2022 00:00 Written by
Cleve Gaddis On How To Become The Master Of Virtual Real Estate To Convert More Prospects, How To Give Your Team Structure To Move From Lead Accountability To Lead Awareness [VIDEO]  A bit about Cleve:  Cleve Gaddis is a Master Coach, speaker, and trainer with Workman Success Systems who works with some of America's most-profitable teams. He specializes in helping family-owned brokerages and teams navigate the challenges unique to family businesses. Cleve hosts "Your Move Atlanta," a weekly radio show on 640 AM, a Fox News station on iHeartRadio.  He learned to sales the hard way, by selling vacuum cleaners door to door.  To have Cleve speak live to your company, team, or group, connect with him at This email address is being protected from spambots. You need JavaScript enabled to view it..
Posted On Friday, 03 June 2022 00:00 Written by
“The true soldier fights, not because he hates what is in front of him, but because he loves what is behind him.” G.K. Chesterton  G. I. John decided many years ago when he started his military career that he was going to build wealth by buying real estate.  When John first started out, he bought a house in the city where he was stationed using a 100% veteran loan.  He put together a plan to get wealthy during his military career moving from station to station buying a house as his primary residence with each move and keeping the other homes for rental income. 
The challenge that threatened to shoot holes in his life plan was the fact that the more property he bought, the more specialized mortgage products he needed since his VA eligibility was limited to one or two properties. He needed an experienced mortgage loan…
Posted On Friday, 03 June 2022 00:00 Written by
As May ends, people begin their thoughts of summer. Mortgage professionals are no different. Anyone who knows me and works with me understands I stress the value of vacations and time away from work unplugged. I push for a minimum of two full weeks unplugged from the work arena and a series of at least three more long weekends disconnected from work. The summer can provide significant opportunities for fun and frolic, but also can lead to some really challenging issues if we fail to plan and account for everyone’s needs for time off. Time away from work can mean different things to different people. Some want a traditional time block of days away from work. Others prefer to take a few days or even hours off to meet their specific schedules. It can all be managed if we all get together and communicate the needs of everyone so that…
Posted On Tuesday, 31 May 2022 00:00 Written by
Consumer behavior has been dramatically altered since the global pandemic of 2020 first started, and we are not going back! Because we are armed with greater comfort in using digital tools to shop and buy, physical stores need to embrace a digital-first strategy to elevate their in-store retail experiences. What people want and need changes almost daily, and companies are always introducing new, innovative solutions to the average person’s everyday problems, but more importantly, are trying to stay ahead of those changes in what consumers want and need. But how, exactly, can a retailer or hospitality industry business accomplish that feat?
Transformative developments in digital technology provide many new and innovative strategies and solutions, allowing businesses in the retail and hospitality industries to utilize my Hard Trend Methodology to transform their customers’ experiences and pre-solve problems consumers have before a customer has them. Additionally, technological advancements are making it easier to get…
Posted On Tuesday, 31 May 2022 00:00 Written by
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