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So many times, people will ask me why some people are far more productive than others? Why some people are more organized than others? How is it that some people get far more done in less time than others? Well, to me the answer is largely that people who do more, are much more likely to be more scheduled in their actions and activities than those who aren’t.

I learned early in my career from a well-established loan officer that you can spend all your time trying to remember what you were supposed to be doing next, or you could spend your time doing the things you needed to do. It’s a choice. 

Back then, we didn’t have CRM’s to auto populate tasks and activities into our schedule for us, but we could use a planner to schedule WHEN we had to look at or review something or when we were going to do things like appointments or prospecting. Just like high school, some days our schedule had the same classes at the same time, some days we had different classes at different times. Some days we had off! The point is, if you manage your high school schedule, you can create a work schedule for yourself as to WHEN you were going to do things on specific days and then just drop those tasks into the appropriate time slot each day. In the event an unscheduled event or opportunity presents itself, you can simply reschedule the other tasks accordingly.

I spend a good amount of time outlining this in the scheduling advantage on the website, but the gist of it is, always schedule yourself as to what you are going to do and when you are going to do it. It does take some work, but just like high school, you will adjust quickly and be able to get far more done in less time! 

You can proactively schedule your success, or you can reactively stress yourself on an almost daily basis. The choice is yours!

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Posted On Monday, 02 August 2021 00:00 Written by
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Posted On Friday, 30 July 2021 00:00 Written by

 SummerGoralikSummer 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 five years, for both an independent escrow company and broker-controlled escrow division. Aside from her consulting business, Summer is also an Instructor for The Escrow Training Institute.

Posted On Thursday, 29 July 2021 00:00 Written by
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Posted On Monday, 26 July 2021 00:00 Written by

"By choosing our path, we choose our destination." 

When you are looking for the quickest and easiest path up to your mountain, take the Mountain Trail Guide Sherpa with you.   A good financial advisor, a good economist, and a knowledgeable mortgage professional are like Trail Guide Sherpas. They are standing at the top of the mountain, looking down along every trail. When asked, the financial trail guide can point clients to what looks like the best trail to get to their destination. 

Let's take a look down the paths of homeownership:

1. The median home price this week of $363,300 is up over 23% year-over-year. The media is saying it is a Home Affordability Crisis.   But remember that Median Home Price does not determine affordability.   Affordability is determined by the relationship between home value Appreciation and wages.    Appreciation is only up 14% year-over-year.   People are also coming back to work with Pandemic Unemployment Assistance Claims falling by over a million.

2. The higher home prices do put pressure on first-time homebuyers. However, first-time homebuyers are still making up 31% of home sales over the last five months.   Cash buyers made up 23% of homebuyers, up 16% from last year.  Investors purchased 14% of the home sales, down 17%, which is a pandemic low.

3. Inventory of homes for sale is still down 19% year-over-year. Still, Chief Economist for National Association of Realtors, Lawrence Yun, forecasts that we will see more houses being listed for sale later this year.

4. Real estate economists are still predicting that the value of homes will continue to increase, even when mortgage rates start to climb. The serious lack of homes for sale and the tremendous buyer demand are being followed by an emerging Millennial and Z-Generation buyers market eager to own their own homes.

5. Mortgage rates are the lowest we have seen since February. So the big win for homebuyers is to lock in a low, fixed-rate mortgage on a home where they can build equity and wealth. 

The best realtors and mortgage professionals want every tool at hand for helping their clients overcome obstacles and feel good about their real estate decisions. Subscribe to one or two reliable real estate market news sources. Connect with your local Multiple Listing Service.  Lunch and Learn meetings and real estate sales meetings are great places to learn about various mortgage programs.   

Posted On Monday, 26 July 2021 00:00 Written by
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