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“The first step in getting what you want from life is deciding what you want.” Ben Stein Your mortgage is usually the biggest debt you have. It is usually the one debt you keep the longest too. Getting the right terms on your mortgage will impact your financial struggles and successes through life. Imagine Describe what you want in your home. What are the amenities in the house that are a necessity? Describe the surrounding area where you want to live. Do you want to be in the city, the suburbs, or out in the country? How long do you plan to keep the home and the mortgage? What other activities will be a part of your lifestyle? Will your home be located near those events and activities? What other financial events do you expect over the next five years?
Assess How much can you comfortably afford…
I wanted to share success stories from the street of real originators and managers who are using the strategies to improve the number of opportunities and create new relationships. It never gets old when execution leads to, or even exceeds anticipated results! Running the bank route. In an effort to create new opportunities from small banks and credit unions, they followed the plan and selected ten locations within 10 miles of their starting point (office) in each direction N/S/E/W. Following the schedule, they would be able to visit and connect with forty locations every month. The second week they ran into a small bank that was closing their mortgage division and this manager was able secure a complete branch office and about 35 million in production when he hired the whole team as a unit. The branches still refer their mortgage opportunities to the same team they know and trust,…
Julie Timms began her real estate career in 1979 in Hilton Head Island, SC and in 1985 opened her first brokerage, a Coldwell Banker franchise. In 1998, Julie and her husband, Bernie Timms, decided to downsize and open a small independent brokerage. In all those years Julie’s has focused on one thing – the success of each individual client. Julie’s desire for excellence in her business has led her to achieve the following real estate designations and certifications: ABR, CRS, CCIM, CLHMS, e-Pro, GRI, RSPS, TRC.
Here we are at the end of August, two thirds of the way through 2021 and we have about 90 days left to generate opportunities that will pay us in 2021. The most important things to focus on are where you are now, and what you need to do to complete the year strong and move into 2022 with momentum. With an increase in both purchase and refinance applications last week, 3% on purchase and 1% on refinance, we get the news that home inventories are up better than 5%. All opportunities to make yourself focus on what you can do to get in front of business. Now is a great time to review every pre-approval you have issued this year but didn’t close. Are they still looking, are they taking a break, or did they close with someone else? The first two present an opportunity to help move them…
Will the different generations of home buyers get what they want during the changing real estate market trends? Homebuyers are welcoming in a positive shift because more houses are becoming available for sale with even more coming before the end of 2021. The extra supply of homes for sale is slowing the still-rising prices of homes across the country. The median home price in June 2021 was up 12.7% --down from 15.2% in May 2021. The measure of median home prices over the last year have been skewed because most of the homes sold were in prices above $500,000 to over 1,000,000 dollars. Aspiring home buyers had to work harder to find homes in the lower price ranges. That trend is making a turnaround. More newly listed properties are smaller and less expensive compared to last year. Younger homebuyers have a better chance of snapping these homes up.
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How can you be sure your messages are really getting heard? Noted business consultant, Michael Hammer, once said, “The number one problem in communications today is the illusion that it has taken place!” You may find that no matter what you do or how you do it, just sending messaging in any format does not guarantee you will actually get through to actually connect. In a “normal” world, people are constantly barraged with multiple interruptions on every level, whether it is their being notified on their phone, an instant message, and even their watch! It’s these constant notifications that fracture not only their time, but steal their attention away from your attempts to communicate. The challenge is: What else can you do to be heard? In this unprecedented time of physical “distancing” there is remarkable creativity that is born from being restricted. It is proving that what we really want,…
Amy Stoehr – CEO of Real Estate Masters Guild Encouraging and supporting like-minded real estate professionals who want success, profitability, balance and significance as their operating model. I've been training with, teaching for, and learning from the real estate industry's brightest and best since 1993! My mission since 1998 has been to have a profound impact on improving the quality of people's business and personal lives. I spent nearly 12 years with one of the real estate industry's most influential trainers, Howard Brinton STAR POWER Systems. Their foundation of best practices from best agents simply made sense. And the synergy and family atmosphere nurtured there is one I continue to seek out when I attend conferences and create in our live event environments. On the personal side, I love to hike, and I put this to the ultimate test in September 2019 by summiting Mt. Kilimanjaro in Tanzania, Africa. That adventure became a life-altering experience that led to the creation of Kilimanjaro Kidz Education Foundation - I hope you take a few…
“You can’t build a great building on a weak foundation.” Picturequotes.com How strong are you financially? Is your source of income stable? If something personally earthshaking should occur, do you have enough savings to cover your expenses for three months or even a year? Are you investing in things that continue to build your wealth even while you sleep? For example, real estate has historically been an effective hedge against the effects of inflation. If you own your home, your net worth is probably looking better and better, with the values on homes appreciating at over 15% year over year. (Median home prices have risen at a higher percentage, but affordability is not calculated on median home price. Affordability is determined by comparing household income with the appreciation rate.) Lawrence Yun, the chief economist with the National Association of Realtors, predicts that home prices will continue to rise over the…
Sonia Gaby Martinez immigrated to the USA in 2000 after her country went through critical economic and political issues. After working in sales for several years in her original country Ecuador, Gaby's first job in the USA was at a tie factory sewing ties by hand, later and with very little English Gaby became the receptionist of a Real Estate Company in Hallandale, FL. She obtained her real estate license in 2006 and has been servicing Sellers and Buyers since then. In 2013 Gaby and Her husband founded Xtreme International Realty, a full service Real Estate company, one of the fastest growing real estate firms in Broward County with over (200) associates. She mentors new agents in their real estate career. Gaby is married and has 2 children 15 and 20 years old. A little more about me: Selected as 2018-2020 Miami Real Estate Board Governor, 2021-2022 Florida Realtors Director, Voted as one of…
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It’s the middle of August, which means you have 90 days to get in front of everything you are going to close and get paid for this year. Silly as that sounds; it is the reality. We really need to get ready for the sprint to the wire that is the next 90 days and we can start with knowing where we are. By now you know what is going to close in August, or pretty close to it. You also have a good idea of what September is going to look like. This will get you ¾ of the way to your annual numbers. It also sets the parameters of what you need to do to get to where you want to go the rest of this year. Key questions: • Are you tracking ahead or behind your business plan?• Are you off your blend of loans purchase/refinance?• Are…
“Financial independence is the ability to live from the income of your own personal resources.” Jim Rohn It’s a secure feeling, owning your own home with an affordable payment so you and your family can enjoy living life together. It’s a feeling of satisfaction knowing that as the value on your home goes up, and the balance on the mortgage gradually gets paid down, you are building wealth for yourself and those you love. 1. Know your comfort level for a payment and down payment. Experts on podcasts and financial posts suggest keeping your total house payment under 33% of your gross income. They recommend keeping your total house payment and payments on other debt no more than 43% of your gross income. Keep enough savings in the emergency fund to get your family through an emergency. Don’t rely on the mortgage loan officer to tell you what…
Nora Crosthwaite spent years in software development and left to do something meaningful and positively impact the world around her. With no sales, marketing or real estate experience, After showing hundreds of homes since 2015, Nora realized there was a need for helping sellers prepare their homes for the sale and make them shine. Nora wanted a convenient online staging consultation but couldn't find the right fit. So, she created it: Stagerie. Nora runs a real estate team of three agents at Home Sweet Des Moines (brokered by RE/MAX Precision) and is growing Stagerie, available nationwide. Stagerie launched in 2020 and was one of six companies chosen for the Iowa Startup Accelerator program in spring 2021. Now, Nora has worked to make Stagerie the only occupied staging company that is a RE/MAX approved supplier and is actively looking for other partnerships. Stagerie has stagers in five different states, with more coming…
Kathleen Lappe, “Katie”, entered the real estate industry as an entrepreneur eager to solve a problem. She quickly identified an opening in the publishing industry, Katie created and founded a magazine dedicated to real estate. Her idea bloomed into the largest publishing house for Kentucky and Northern Tennessee real estate and auctions. Home Market Magazine was successfully acquired in 2018. As digital search revolutionized the housing industry Katie realized the same could be done in the auction arena, and AuctionLook took form. AuctionLook is a nationwide auction aggregator and data portal for auctioneers, many of whom are REALTORSⓇ. More than half of AuctionLook’s inventory are real estate opportunities. AuctionLook has over 4B dollars in real estate published and more than 6,000 REALTORSⓇ/Auctioneers have engaged on the platform. AuctionLook manages 25 state auction associations, with more slated for 2020 launch. As her knowledge and strategic real estate insight grew she founded…
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