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A bit about Michael: 

MichaelKrisaMichael Krisa - Vice President of YLE Consulting Group is a real estate broker and has been a practicing since 1989.

In that time he has won numerous awards for outstanding sales achievement and has managed a number of top producing offices.

Commonly known as "That Interview Guy", he is famous for getting up close and personal with the movers and shakers in the Real Estate Industry. His audio and video interviews let you go behind the scenes and learn from the greatest minds in the business.

In addition to his interviews with the leading names in real estate, Michael is also a consultant, coach, and VP of YLE Consulting Group

Posted On Thursday, 29 October 2020 05:00 Written by
Posted On Wednesday, 28 October 2020 05:00 Written by


Cassie Cherry Blossom Headshot2 e1557073268207

Cassandra Lennox is an Author, Freelance Creative Writer, and “Inspirationalist.” She’s become known as “Where Mother Goose meets Dr. Seuss” based on her imaginative rhyming style.

Whether through rhymes, quotes, stories, articles, posts, copywriting, speeches, videos, mastermind groups, or even some lyrics or comedy, she thrives on making people smile, evoking thought and emotion, and encouraging everyone to grasp their star.

She grew up a small-town girl with elaborate goals who believes that big dreams are well worth the chase. She is on a mission to inspire and help others get their thoughts and words out there to the world.

When Cassandra is not writing or working on the business side of life, you can find her surrounded by her 4 kiddos and husband, Joe. She loves dancing around the living room, playing outdoors and gardening, vacationing, taking part in personal growth endeavors, board games, making up new recipes in the kitchen, and finding unique ways to unleash her creativity.

 

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Posted On Wednesday, 28 October 2020 05:00 Written by
Posted On Tuesday, 27 October 2020 05:00 Written by
Posted On Tuesday, 27 October 2020 05:00 Written by

The last installment of business planning includes some direction and a few observations. Each of us has to understand what it is we are trying to accomplish in our business as well as the path we take, the hours we invest, and the people we choose to surround ourselves with.

The choice is always as simple as proactive vs reactive; transactional vs relational. You get to make these choices and to try and live in the middle is doomed to failure. My favored choice is for my clients to live in the world of proactive-relational business because I feel it holds the most security and longevity. It’s not that you can’t make a living being a reactive transactionalist, but why would you? 

The choices as to what you would like to accomplish have to hold meaning for you personally, but also possess significant standards based on the quality and quantity of your time, as well as the client experience. Making sure your time is invested in the quality of the client experience is one of the best investments you can make. The results of making these investments must return to you a quality of life equal to or greater than those of other professionals. Mortgage originators can live on 3 or 5 transactions a month from an income basis; they just won’t survive on a professional basis.

Your business plan must pay attention to the tools available in our industry as well as following the acceptance of recent changes in behavior to social gathering, contact, and technology. There are still originators not using video. More than eight years ago I share this important tool and many have come to the front this year as if they “discovered” something. Video and social media are powerful tools, but just like email, if you use it wrong or too frequently, people tune you out!

The last part is to be sure you understand the math you are looking at. Yes, your business should be significantly better than planned for last year, but what do the numbers really show? What is your balance of business? If total applications are about 60/40 refinance to purchase nationally, what is your market and what is your balance? Of the portion that is purchase, does that meet up with the overall improvement in home sales in your area, and does that purchase number reflect enough purchase business to meet your targeted numbers when refinances start to slow down?

All of these questions are important to look at as part of your projections and targets for 2021. As we have seen this year, we can plan and the market may have other ideas! However, if we fail to plan, we have nothing to make adjustments off of and we are just floating adrift like a rudderless boat in the ocean!

The business planning webinar is next Tuesday October 27th at 1pm eastern time. As always, this webinar will be recorded and posted on the website shortly thereafter for you to use at any time or as frequently as you like.

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Posted On Monday, 26 October 2020 05:00 Written by
Posted On Monday, 26 October 2020 05:00 Written by
Posted On Monday, 26 October 2020 05:00 Written by
Posted On Sunday, 25 October 2020 05:00 Written by
Posted On Sunday, 25 October 2020 05:00 Written by


 
pic jo garner 3 21 17 rems logo by lsi“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 embarking on a long term goal of buying properties to build rental income.”

Jo Garner is a mortgage officer with extensive knowledge in tailoring mortgages to her customers who are refinancing or purchasing homes all over the country. She offers conventional, FHA, VA or other loan programs for refinancing and purchases.

Jo can help you look at rent vs buy, when it makes sense to refinance, how to get the best deal on your home purchase financing.  

Jo Garner has been in the real estate/financing business for over 25 years.  She got her start in Portland, Maine where she first began her real estate career. She received her real estate education from the University of Southern Maine and was personally mentored in San Diego, California by Robert G. Allen, author of Nothing Down, Creating Wealth and The Challenge

On moving back to West Tennessee in 1987, she went into business buying and selling discounted owner-financed notes secured on real estate.  In 1990 Jo went to work for a residential mortgage company and has been a mortgage loan officer for over 25 years.  Her goal is to offer excellent, affordable service to her customers, tailoring the loan programs to the specific needs of her clients.  

In addition to her work in the mortgage field, Jo Garner is the primary sponsor and founder of Talk Shoppe in Memphis. www.TalkShoppe.com Jo Garner also host the radio show Real Estate Mortgage Shoppe airing on News Radio AM 600 WREC and iHeart Radio with podcasts and show notes published on www.JoGarner.com  

Posted On Friday, 23 October 2020 05:00 Written by
Posted On Friday, 23 October 2020 05:00 Written by



MichaelKrisaMichael Krisa - Vice President of YLE Consulting Group is a real estate broker and has been a practicing since 1989.

In that time he has won numerous awards for outstanding sales achievement and has managed a number of top producing offices.

Commonly known as "That Interview Guy", he is famous for getting up close and personal with the movers and shakers in the Real Estate Industry. His audio and video interviews let you go behind the scenes and learn from the greatest minds in the business.

In addition to his interviews with the leading names in real estate, Michael is also a consultant, coach, and VP of YLE Consulting Group

Posted On Thursday, 22 October 2020 05:00 Written by
Posted On Thursday, 22 October 2020 05:00 Written by
Posted On Wednesday, 21 October 2020 05:00 Written by


 Tami Bonnell HeadshotEXIT Realty Corp International’s CEO TAMI BONNELL is an internationally renowned leader in the real estate industry and was instrumental in building three major brands. Among her many achievements, she was recognized by Real Estate trend watcher, Stephan Swanepoel, three years consecutively as one of the 200 most Powerful and influential   people in residential real estate, among the top 20 corporate executives and among the top 10 women leaders.

 Ms. Bonnell has been a featured speaker at the NATIONAL ASSOCIATION OF REALTOR’S® convention to the Top 500 power brokers, The National Women’s Council REALTORS®, Inman News Connect Conference and the RIS Media’s Leadership Conference.  

She was named to the National Association of Women in Housing & Real Estate Ecosystem ( NAWRB) Diversity & Inclusion Leadership Council (NDLIC).

Ms. Bonnell was honored by STEM connector as one of it’s 100 Corporate Women Leaders in STEM (science, technology, engineering and math).

Ms. Bonnell is a 30 plus year veteran of the real estate industry and joined EXIT Realty in 1999. She was appointed Chief Executive Officer in 2012.

She is a wife, mother of three and grandmother of three. In her spare time she is a martial artist, coach and referee.

Posted On Wednesday, 21 October 2020 05:00 Written by
Posted On Wednesday, 21 October 2020 05:00 Written by
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