Women's Wisdom Network (982)
Here we are in October and as always, we must take some time and make our final coarse corrections to navigate the end of the year. The things we must be fully aware of are: • When is the last day I can accept a new loan application that will close in 2020?• Refinances are also dealing with the likely fifty basis point hit to agency loans on December 1st if nothing changes.• Who are the referral partners that are meeting or falling below expectations?• What are my personal projections for the remainder of the year?• Are there any targets in units, dollar volume, or activity that we can make a stretch for?• Holiday Calendar• Who are the five new referral partners I want to add to my network as part of the 2021 referral group?• Where am I on the 20 extra refinances?• Get your CE done NOW if you…
A few conversations this week brings today’s post. In a few completely different conversations with originators from different parts of the country, a parallel appeared and it was important enough for me to share. In two of these conversations, prospective new applicants came to the table with “Pre-approvals” from lenders they had talked with. They were asked questions and quickly given letters. In both cases the agent they were working with didn’t trust the letters and asked them to speak to my clients. In both cases, these people were not qualified for anywhere near the loan size they were “approved” for, and one of those didn’t meet the program guidelines for the program at all. In a different case than above, a new client came into the process of being pre-approved thinking her good credit automatically qualified her for any size mortgage she wanted. While it was true that both…
Are you one of those who can't do enough? Want to do more than enough? Over the top? You know, the type of person who will scan the universe to get the best present for a friend, settle only for the flowers that are the absolute favorites for your best friend, make the perfect meal for your love interest, excel at work, over the top on party details? Are you one of “those”? We love you anyway… When we love someone whether it’s a BFF, a love interest, our pets, our family – whatever is the object of our focus, our attention (or obsession) – you have to wonder if we are a bit over the top and if so, is that good or bad? Maybe…
As an example, some of us are relentless at being organized and (you know who you are) the masters of organization, planning,…
In less than a week since last week’s blog post, Karl Weiss in Arizona has put together 8 refinances, 1 purchase loan, two listing appointment referrals for his realtor referral partners, one of those appointments turned into a listing that is now under contract in less than three days, and a purchase loan application as soon as the sellers find their “Forever Home!” I asked you to spend just a few hours a week working the “Forever Home Strategy®” to secure 20 refinances, a few listing appointments for your realtor referral partners, and a couple of purchase deals. Karl took up the challenge and is well on his way to smashing all expectations! Great Job Karl! The commitment to following the plan and providing the best possible client information and experience, while becoming a trusted professional in your market is a special one, and one that absolutely is worth the…
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 payment? How much are you comfortable paying down,? What type of financing do you need to get the house you want to buy or refinance? Different clients have different priorities in life—some are buying their first home with very little down payment funds. Some are recovering from medical challenges, divorces or preparing to send children to college and some are…
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…
![Natasha Hazlett Speaks To The How To Harness Your Own Unstoppable Influence, Not Just Learning, But Living! Discover What Happens After We Read Her Book, And What You Need To Transform The Inspiration Into Your Own Life! [VIDEO]](/media/k2/items/cache/3714e6521c0cd13e08b5958bda49f68f_M.jpg)
A bit about Natasha: Natasha Nassar Hazlett is an inspirational speaker, coach, attorney and author of the #1 Amazon Best Selling Book: Unstoppable Influence: Be You. Be Fearless. Transform Lives. One decision helped this formerly uninspired, unmotivated entrepreneur on the verge of abandoning her business to finally ditch her limiting, self-sabotaging beliefs and uncover her radiant Truth. Now she and her husband, Rich, are helping thousands of others do the same through their popular Unstoppable Influence® 21-Day Challenges and coaching programs. Natasha and Rich are the co-founders of Fast Forward Marketing, LLC. Together they empower entrepreneurs around the world with the clarity, confidence, and strategies they need to boost their income and influence while working less. Natasha is also Of Counsel to the Boise law firm of Angstman Johnson, where her practice is focused on estate planning and estate and trust administration. She graduated from Southern Methodist University with a B.A. in Political Science…
September is here and so begins the countdown to 2021. Many people will be happy to see 2020 go, but for most of us in the mortgage business, 2020 has been rewarding and in many cases, EPIC! While having one of my coaching calls, I was speaking with a client about looking at the possible year end numbers and trying to set targets for the next 90 days, and one of the things he could agree too was committing a couple of hours in the middle of the week to connect with his database using the “Forever Home Strategy®” to generate an additional 20 “extra” refinance opportunities and within that effort, locate a minimum of three new listing & sale opportunities for his realtor referral partners. Given his market and commission structure, the net income for these twenty transactions would generate an additional $50K in income that he was going to use for a…
![Got Chronological Documentation In Your Files For All Your Transactions For Several Years? If You Get Into Issues With The Dre That Will Be One Of The First Things They’ll Want–be Sure Your Agents Are Posting Documentation To Be Safe Not Sorry[VIDEO]](/media/k2/items/cache/ed5815c322bbb25c0512699350a33103_M.jpg)
A bit about Summer: Summer Goralik is a Real Estate Compliance Consultant and licensed California Real Estate Broker (#02022805). Summer offers real estate brokers a variety of consulting services including assistance with California Department of Real Estate (DRE) audit preparation, mock audits, advertising review, and training. She helps licensees evaluate their regulatory compliance and correct any non-compliant activities. Summer has an extensive background in real estate which includes private sector, regulatory and law enforcement experience. Most recently, she worked for the Orange County District Attorney's Office as a Civilian Economic Crimes Investigator in their Real Estate Fraud Unit. Prior to that, Summer worked for the DRE for six years as an Investigator. Among many achievements, she wrote several articles for DRE, four of which were co-authored with former Commissioner Wayne Bell. Before she embarked on her career in government and law enforcement, Summer also worked in the escrow industry for nearly…
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![Ready For Fall? NY Fashion Designer, Hilton Hollis Shares A Sneak Peek At New Colors And Trends You Can Expect In The 2020 Fall Fashion Forecast [VIDEO]](/media/k2/items/cache/52e3b891a6c9188c0ad798858551e2ec_M.jpg)
A bit about Hilton: The designer is a native of Mississippi, where his love of sewing and design was nurtured by his grandmother, a master quilter. “I always dreamed of moving to New York to be a fashion designer,” he says. “I didn’t know how I’d get there, or when, but I had a subway map pinned to my wall. Before I was 13, I knew the city by heart.” In 1997 Hollis moved to NYC and began his career in the fashion industry by attending Fashion Institute of Technology. He holds a degree in Fashion Design from New York’s FIT. Wherever his career led, Hollis never lost sight of his goal to head his own business. In fact, he launched his own eveningwear line when he was just two years out of college. Unfortunately, time wasn’t on his side then: “I opened the showroom on September 10, 2001,” he…
We spoke last week about the “90 day countdown” to get all the deals into your system so they can close in 2020. All very important points and I hope you take that information and use it to the benefit of your clients and referral partners. This week we need to add to that post an additional piece of very important information. Information we don’t always, if ever, get a heads up about. Interest rates on refinances WILL be going up in December. Make no mistake about it, the recent “tax” on refinances by the agencies has only been deferred to December, not eliminated! This is a very important distinction! Now more than ever it’s important to understand this important timeline and work within BOTH timeframes and coach your clients and referral partners about it. We know for a fact that there will be a fifty basis point increase in the cost of refinancing…
![Cyndi Garza Is The Creator Of Her Own Podcast Series: ”Optimized Success” This Podcast Program Looks To Successful Women In Other Industries Who Share Their Experiences. Her Newest Series Coming Up Is Faith & Success. Tune In And Learn More! [VIDEO]](/media/k2/items/cache/756dc4517ce3cc3e069cb0527054f56d_M.jpg)
A bit about Cyndi: Cyndi Garza is a leader, owner of multiple businesses, speaker, trainer, and executive coach. Cyndi’s coaching career began when she joined a national mortgage firm to build a sales team in Michigan, which at the time was non-existent. She strategically recruited and trained a sales force of over 130 people, which — through her coaching — became the highest grossing team nationally for seven straight years by averaging just under a billion dollars in sales each fiscal year. Since 2001, Cyndi has held leadership positions where she has had the opportunity to identify strengths within her team, and develop those strengths to push people to grow and achieve more than they had imagined possible for themselves. Cyndi is the founder of Optimized Success — a coaching and training company with a focus on helping women find success in business ownership and leadership. Her personal motto is “You…
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