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Today's Headlines - Realty Times
Posted On Tuesday, 06 October 2020 05:00 Written by
Posted On Tuesday, 06 October 2020 05:00 Written by
Posted On Tuesday, 06 October 2020 05:00 Written by

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 haven’t done it yet!

We are going to tackle Business Planning this month as I always do in October. Setting up this mini-plan to navigate the end of this year will help set the stage!

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

Posted On Monday, 05 October 2020 05:00 Written by
Posted On Monday, 05 October 2020 05:00 Written by
Posted On Monday, 05 October 2020 05:00 Written by
Posted On Sunday, 04 October 2020 05:00 Written by
Posted On Sunday, 04 October 2020 05:00 Written by
Posted On Thursday, 01 October 2020 05:00 Written by
Posted On Thursday, 01 October 2020 05:00 Written by
Posted On Wednesday, 30 September 2020 05:00 Written by
Posted On Wednesday, 30 September 2020 05:00 Written by
Posted On Tuesday, 29 September 2020 05:00 Written by
Posted On Tuesday, 29 September 2020 05:00 Written by
Posted On Tuesday, 29 September 2020 05:00 Written by

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 her and her husband had very good to excellent credit, more than a third of their gross income was tied to the two new cars they recently purchased. Their credit allowed them to buy very nice cars, but now those payments restricted their ability to buy a home. The client was absolutely beside herself when told she couldn’t get anywhere near the loan she wanted because of her car payments. She just thought her credit was “good enough” to get a mortgage. Her credit was good enough; it was her income and the two car loans that were the challenge!

Many people lack the facts needed to navigate the entire mortgage process. In my opinion; many of today’s home buying public have a real challenge with financial literacy. They don’t fully understand how all of the structural components come together to buy a home. Great credit to buy a car is NOT the same as the credit to buy a house. That also holds true for credit cards and credit lines. In fact, many of those things are pretty easy to obtain and certainly are not as restrictive as getting a mortgage!

As professionals we need to set expectations and do a complete job upfront with any new prospect. We also need to educate our referral partners and share information through social media so it can be found! Being a trusted advisor and a local professional really matter. Maybe now more than ever before! 

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

Posted On Monday, 28 September 2020 05:00 Written by
Posted On Monday, 28 September 2020 05:00 Written by
Posted On Monday, 28 September 2020 05:00 Written by
Posted On Sunday, 27 September 2020 05:00 Written by
Posted On Sunday, 27 September 2020 05:00 Written by
Posted On Sunday, 27 September 2020 05:00 Written by

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, down to every detail and scenario and in the perfect timeline….and we love you for that.

There are others of us who get it done our way, but not necessarily in the same comprehensive manner, and while effective, not quite as methodical as our other friends, which is great…and we love you anyway.

Here’s a thought: A friend invites you to a get together with “friends”  Some of us would be simply thrilled at the sweet gesture of being invited, and  delighted to bring a dish to share in this casual backyard gathering.

But what if there was a totally different experience when you arrived?  Imagine walking into the same backyard transformed into an over the top  “not like my backyard” kind of event?   The energy is palpable as being to hear gospel singing rocking the welcome.  As you step into the changed back yard you observe the spectacularly adorned tables, with masses of  flowers, thoughtful small gifts placed at each setting for each invitee and a magnificent menu all  in this story book setting resplendent in flowing linens and lots of sweet tea and wines to enjoy….Fun? Yes!  Memorable? For sure!  The experience impacts on many different levels- all good, but even compared to a simple “backyard let’s get together” both can be richly and deeply enjoyed, treasured, memorable and loved.

What does this have to do with friends?

Let’s take the backyard scenario  a bit further.  Let’s pretend you meet new friends there – and it was such fun as you got to know them, and be enchanted by how much you had in common, that you were drawn to their energy, personality, wit, charm and humor and immediately started finding a day to meet again…awesomeness!  No matter the event, formal or informal the real gifts were the magic of connecting with others that made you enjoy, share, discover, learn, and appreciate. 

Both events can have the same or better impact strictly “because of the people you meet and the friends you make”. Although the energies differ, in the end, meeting new people whether in a simple or decadent way, the gift is the convergence of new experiences  with new people. 

So here we are -… and you are about to enter a party!  The gifts are the same whether it Is as laid back as a backyard get together- last minute-join us for a glass of something,  to a flat out over the top like you’ve never experienced soiree.  

We won’t know “you” unless you will consider sharing a quick little post about who you are and what you do so we can start the conversation. Let us  find out we have a lot in common or that you have a special expertise, a vision we have never experienced before or knew about before our “connection.” What if this connection has put us divinely together in this space and time to discover, learn, enjoy, share your “special gifts”?  

Posted On Friday, 25 September 2020 05:00 Written by
Posted On Thursday, 24 September 2020 05:00 Written by

It’s not the latest new “thing” for Doug Devitre, author of “Screen To Screen Selling.” Doug shares the 5 quick tips you need to harness the power of virtual presenting PLUS he offers some great freebies to help you be the Rock Star of your next virtual presentation!


Doug DevitreOrganizations bring in Doug Devitre from St. Louis, Missouri USA when they want to dramatically increase operational performance, create breakthrough value propositions, and serve customers beyond geographical constraints on a minimal budget. For more than a decade he has been setting trends with how organizations engage customers with social media, video, and now voice-assistants. Doug is one of a select few who have earned the Certified Speaking Professional Designation from the National Speakers Association, have practical real estate experience, and have served as a volunteer to move the industry forward. His book Screen to Screen Selling (McGraw Hill 2015) was the first book on how to sell, work remote, and have productive meetings through videoconferencing solutions.

Posted On Thursday, 24 September 2020 05:00 Written by
Posted On Wednesday, 23 September 2020 05:00 Written by
Posted On Wednesday, 23 September 2020 05:00 Written by

What the heck is happening to your energy level? You know you are getting the required sleep, doing okay with diet and exercise, and yet you feel so bogged down!

Posted On Wednesday, 23 September 2020 05:00 Written by
Posted On Tuesday, 22 September 2020 05:00 Written by
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