Today's Headlines - Realty Times
Posted On Wednesday, 06 October 2021 00:00 Written by
Posted On Tuesday, 05 October 2021 00:00 Written by
Posted On Tuesday, 05 October 2021 00:00 Written by
Posted On Monday, 04 October 2021 00:00 Written by
Posted On Monday, 04 October 2021 00:00 Written by

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 where we have been. We are still closer to the bottom then the top. In fact, rates were higher as recently as June, before that, April, March, and February. If we go back prior to March of 2020, people would be thrilled with today’s rates! Besides, people need a place to live, and the cost of ALL housing is still going higher! The rental market can even be more challenging and more costly than buying, even given the incredible amount of appreciation in property values lately, a trend that may not slow down any time soon!

Take advantage of the opportunity by calling all your preapprovals and share with them the market realities we are facing and recalculate the payments they would have with the higher rates. Also, reach out to your referral partners and make sure that anyone they are showing property to has an updated preapproval within the last week, so the client is aware of rising rates and aren’t shocked to find out this news after going into contract. Be sure you offer all your agents the opportunity to offer you as a resource to help any of their buyers who haven’t been updated yet or hasn’t heard from their original loan officer!

Rising rates can equal another opportunity to share your expertise, especially when we are facing a potential unpleasant conversation about rising rates!

Questions or comments: This email address is being protected from spambots. You need JavaScript enabled to view it.

Posted On Monday, 04 October 2021 00:00 Written by
Posted On Sunday, 03 October 2021 06:42 Written by
Posted On Friday, 01 October 2021 00:00 Written by


TeresaBailey 1Teresa Bailey is a Wealth Strategist. She orchestrates the financial affairs of executives, entrepreneurs and other driven individuals. In addition to growing her clients’ financial worlds, Teresa builds the W&A brand through coordinating brand development, client events, and educational content development.

Teresa is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and a Certified Divorce Financial Analyst® practitioner. She was named one of Memphis Business Journal’s Top 40 Under 40 in 2016 and in 2018 began splitting her time between W&A’s Memphis and Nashville offices.

It’s Teresa’s mission to stay involved with her community and speak on the importance of financial planning and connecting industry professionals. She is the former Chair of the Greater Memphis Chapter of the Financial Planning Association (FPA), and previously served on the Economic Club of Memphis Board of Directors. Under the National CFP® Board, she’s an advocate for women entering the field of financial planning. Teresa graduated from the University of Memphis with a Bachelor of Business Administration with an emphasis in corporate finance

Posted On Friday, 01 October 2021 12:00 Written by


 Coni HeadshotConi 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 author, speaker and trainer. Her current work includes her new books, 

When the Unthinkable Happens and 

Leadership in Trying Times. Coni is the author in the soon to be released, 

Crystalline Voices: Women Leaders in Real Estate.

Posted On Thursday, 30 September 2021 00:00 Written by
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