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Today's Headlines - Realty Times

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

In less than a week since last week’s blog post, Karl Weiss in Arizona has put together 8 refinances, 1 purchase loan, two listing appointment referrals for his realtor referral partners, one of those appointments turned into a listing that is now under contract in less than three days, and a purchase loan application as soon as the sellers find their “Forever Home!” I asked you to spend just a few hours a week working the “Forever Home Strategy®” to secure 20 refinances, a few listing appointments for your realtor referral partners, and a couple of purchase deals. Karl took up the challenge and is well on his way to smashing all expectations! Great Job Karl!

The commitment to following the plan and providing the best possible client information and experience, while becoming a trusted professional in your market is a special one, and one that absolutely is worth the effort. But how will anyone know that YOU are that special provider? The mortgage professional with the knowledge, expertise, ability, and proven track record they are looking for? Well, I hope to make that easier for you than ever before. Next Tuesday, September 22nd, 2020 during my regularly scheduled monthly coaching call, I will lay out for you the new “VRMS” designation for mortgage professionals. “Verified Residential Mortgage Specialist” is designed to set a standard of excellence, execution and delivery of the very best customer experience an originator can provide in your specific market.

This designation will include more than 25 hours of personal instruction. It will require proficiency in specific systems, procedures, technology, and delivery of mortgage loan in your specific market, more than 100 verified closed loans in the past 365 days as verified by your company and/or NMLS. We will also require specific customer feedback in the form of social media or written survey responses from the very clients served stating their satisfaction with their loan originator and the performance during the contact through closing experience.

Many of you reading this blog or watching this vlog post that are past or current clients of IMT Coaching LLC, may already qualify for this designation once your current information is verified! To find out more, please be sure to attend the monthly coaching call on Tuesday September 22, 2020 at 1pm eastern time. If you are unable to attend the call, you may contact me directly for more information.

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

Posted On Monday, 21 September 2020 05:00 Written by
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A bit about Jo: 

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, 18 September 2020 05:00 Written by
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Posted On Wednesday, 16 September 2020 05:00 Written by


A bit about Natasha:

Natasha HazlettNatasha Nassar Hazlett is an inspirational speaker, coach, attorney and author of the #1 Amazon Best Selling Book: Unstoppable Influence: Be You. Be Fearless. Transform Lives.  

One decision helped this formerly uninspired, unmotivated entrepreneur on the verge of abandoning her business to finally ditch her limiting, self-sabotaging beliefs and uncover her radiant Truth. Now she and her husband, Rich, are helping thousands of others do the same through their popular Unstoppable Influence® 21-Day Challenges and coaching programs.  

Natasha and Rich are the co-founders of Fast Forward Marketing, LLC.  Together they empower entrepreneurs around the world with the clarity, confidence, and strategies they need to boost their income and influence while working less. Natasha is also Of Counsel to the Boise law firm of Angstman Johnson, where her practice is focused on estate planning and estate and trust administration.  She graduated from Southern Methodist University with a B.A. in Political Science and a B.A. in Advertising.  She earned her J.D. from Dedman School of Law at Southern Methodist University.

The Idaho Business Review honored Natasha with their 2013 Idaho Women of the Year award, and she has been honored multiple times with the Rising Star Award by Super Lawyers magazine. She has been featured on ABC, NBC and CBS as well as on Forbes.com. 

Of all the titles Natasha holds, her favorite is “mommy” to an adorable little girl and twin boys who are the light of her life! She resides in Franklin, Tennessee.

Posted On Wednesday, 16 September 2020 05:00 Written by

When you need help, have you ever heard yourself saying…

• I don’t want to appear needy or weak
• I’ll just do it myself because it won’t be done right, and I don’t want to bother anyone
• If I ask for help, they will think I’m incapable

Why is it that women don’t want to ASK, or better yet, allow receiving help? 

It is a loaded question with a ton of varied responses. When I conducted an informal survey through my Women’s Wisdom Network, women stepped up and admitted in general that they sucked at both.

In almost all cases, the accepting help beat out the ASKING for help by almost fifty percent.  We aren’t good at asking and that made me think…why?

In my own life, I’ve been taught to buckle up, figure it out, do it myself, and move on.  It stems from women needing to appear independent, strong, capable, and oh, yes, my favorite, avoiding the judgement from others.  

In a terrific article from ElephantJournal.com, author Galina Singer states that “Being perceived as weak is one of our greatest fears… We live in a society that is based on perfectionism and shaming” and to me that says a lot!  This line of thinking is paramount to why we defer asking for help, but other studies show we might be missing the boat.

If you study leadership in today’s world, collaboration is key.  Geoff Colvin in his book, “Humans Are Underrated” consistently points out that it is the HUMAN connection, the collaboration of energy, perspective, insights, experience, and that precious life force that we have (that computers don’t at this writing) that helps us evolve, thrive and survive, be more creative, solution driven, and are measured by more wins than losses. 

In a world that is loaded with billions of bits of information, data and content, it is clear that one of us cannot be as smart, talented, etc. as all of us.  We each bring this brilliantly distinctive piece to the puzzle forged by our own unique DNA, path and experiences. Why then, do we still resist asking for help?

If we shift our context of ASKING from weakness to opportunity, how would that profoundly change our mindset about asking?  Think about it, we don’t mind asking a doctor, mechanic or a plumber for their help. Why is it that when it comes to something, we don’t have the expertise or experience to do, that we avoid asking for help?

Forbes posted an article on this subject with facts that prove the contrary quoting a study by the O.C. Tanner Institute.  Authors Sturt and Nordstrom posted: “The Great Work Study, conducted by the O.C. Tanner Institute, showed that 72% of people who receive awards for their work ask for advice, help, insights, and opinions from people outside of their inner circle. In doing so, those workers generate fresh ideas and perspectives on how to solve problems that they otherwise wouldn’t have imagined. In essence, asking for help and advice creates better, stronger, more successful results than not asking for help.”

Although not directed specifically to women only, it makes a great point about collaboration, and when conducted in a “safe” place, the results are the focus, not the judgement. 

Now accepting help (or anything for that matter) is another whole issue!  In some cultures, when you “accept”, you now “owe” (Remember the scene in the movie, “The Godfather”?)   In his best-selling book, “Influence, The Psychology of Persuasion” by Robert Cialdini, one of the six principles of persuasion in “reciprocity”.  If I give to you, you may feel more compelled to give to me.  For some of us, accepting help is as hard or harder than asking for help, especially if there are cultural differences that impact the ability to accept. We might be concerned about how to reciprocate, what to do to return the favor or worse, anticipate we are not adequate enough to be of a return value. We think, “What do I owe you if you ’help’ me?”   

The reasons we find it difficult to accept is varied.  If you have had to survive working hard, your independence mindset doesn’t make room for allowing support because it is in conflict with your projection of strength. It might be pride, or the early conditioning of “it’s better to GIVE than to RECEIVE”.  If you are generally more comfortable being the “giver”, the fact that you are the one in control feels better to you than being the receiver.  It may be more emotionally comfortable, and doesn’t trigger feelings of unworthiness, self-value, etc.  In any case, when we don’t allow the ebb and flow of energy, there are consequences.  

As you can tell, this subject is deep and highly personal.  We all have our reasons about asking and receiving. 

Here’s a solution to think about:

If we stop and think for just a moment how the other person will feel by our reaching out, it could be a mindset changer.  Asking another for help says, “I value your opinion, your help, your insights, and your experience.” This creates a positive interchange. It helps them to feel valued and, in most cases, we generally enjoy helping each other.  When we refuse help, take a moment to think about how that rejection may feel to the person giving to you.  Although possibly altruistic on your part, that rejection can trigger feelings of inadequacy, rejection, or an imperfection of their offering. 

We may not be trained psychology experts, but we know how WE feel inside. Next time you need help, take a moment to think, who would be delighted to help you?  And when someone offers you something… before you say NO, help yourself make the transition from NO to maybe not yes yet… 

Allowing yourself and others to exchange help is our key to better results.  Can you do it? 

Posted On Wednesday, 16 September 2020 05:00 Written by
Posted On Tuesday, 15 September 2020 05:00 Written by
Posted On Tuesday, 15 September 2020 05:00 Written by
Posted On Tuesday, 15 September 2020 05:00 Written by

September is here and so begins the countdown to 2021. Many people will be happy to see 2020 go, but for most of us in the mortgage business, 2020 has been rewarding and in many cases, EPIC!

While having one of my coaching calls, I was speaking with a client about looking at the possible year end numbers and trying to set targets for the next 90 days, and one of the things he could agree too was committing a couple of hours in the middle of the week to connect with his database using the “Forever Home Strategy®” to generate an additional 20 “extra” refinance opportunities and within that effort, locate a minimum of three new listing & sale opportunities for his realtor referral partners.

Given his market and commission structure, the net income for these twenty transactions would generate an additional $50K in income that he was going to use for a combination family adventure, home improvements, and some targeted charitable donations! If he generated more than 20 transactions that would close and get paid on in 2020, he would just make more and larger charitable donations.

After thinking about this I thought that this was to good an idea not to share with everyone and see what all of you could do in a couple of hours a week to find your extra 20 in 2020 that you can reward your family, friends, and those in need in a year where we as an industry have been blessed, but many around us are hurting financially. The rewards to those around us as we have labored this year has meant time away from our friends and family; even during the pandemic and lockdowns we have seen record setting production. Now is the time to commit a few hours a week, to serve those people who could save some money or find another home. At the same time refer some listings and buy side opportunities, do something nice for those around you because you can!

So who is up for “Show me your twenty in 2020?”

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

Posted On Monday, 14 September 2020 05:00 Written by
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A bit about Hilton:

HiltonHollisThe designer is a native of Mississippi, where his love of sewing and design was nurtured by his grandmother, a master quilter. “I always dreamed of moving to New York to be a fashion designer,” he says. “I didn’t know how I’d get there, or when, but I had a subway map pinned to my wall. Before I was 13, I knew the city by heart.”

In 1997 Hollis moved to NYC and began his career in the fashion industry by attending Fashion Institute of Technology.  He holds a degree in Fashion Design from New York’s FIT.

Wherever his career led, Hollis never lost sight of his goal to head his own business. In fact, he launched his own eveningwear line when he was just two years out of college. Unfortunately, time wasn’t on his side then: “I opened the showroom on September 10, 2001,” he says. “Like just about everything else in New York it all came to a screeching halt the next day.

Over a decade ago, Hollis’s dream of launching his own company was reborn. “My aim is to make a product that is specifically targeted to the Hilton Hollis customer and to give her clothes that she can integrate into her wardrobe and wear happily for years,” he says. The line has the contemporary feel, classic fit, and technical virtuosity that are hallmarks of the Hilton Hollis style. Every collection features flawless tailoring, luscious imported fabrics—many of which Hollis designs himself—and they transcend the off-the-rack niche with exceptional attention to detail.

Hollis brings a matching passion to the business side of the industry. “It’s not enough just to imagine beautiful clothes,” he says. “It’s my job to produce the right garment for the right customer at the right price.”  That dual commitment to craftsmanship and price is working, as Hollis recently expanded his business into Europe by opening a new company in Portugal, where he resides part-time.

Hilton has served as a guest lecturer at FIT, Auburn University and countless museums. He remains committed to his alma mater and to the development of young talent.

Posted On Thursday, 10 September 2020 05:00 Written by

A bit about Summer: 

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, 10 September 2020 05:00 Written by
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