Ann's Blog

I HIT THE 50,000 MARK! THANK YOU ACTIVE RAIN COLLEAGUES!

Ann Sabbagh (Seacoast Mortgage Corporation) — Sun, 29 Nov 2009 18:45:49 -0600

So, here I am at the 50,000 mark! What have I learned? Have I accomplished anything?

I say "YES." I have learned so much from this community: how to network, learn from each other's trials and tribulations, find information so easily, the list goes on......

Also, I have generated leads from Active Rain and the consumers have been happy. I believe they come here to see and find someone who spends time on their business. Who is willing to dedicate hours and hours educating others and collaborating with others? A consumer always wants a professional who is knowledgeable of their trade. By us all blogging and learning from each other, we are becoming better every day.

Thank you Active Rain colleagues!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

508-243-1190

Residential & Commercial Financing

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial strength."

Are YOU happy in your job? HAPPY?

Ann Sabbagh (Seacoast Mortgage Corporation) — Sun, 29 Nov 2009 18:30:48 -0600

"Man is happy only as he finds work worth doing - and does it well." E. Merrill Root (1895-1973) American Writer

Doesn't this make sense? If you enjoy what you do, you are happy! Pure and simple! If you leave work every day and say things like, "I hate my job" or "I wish I could be doing something different", then it is time you change your job! Now this might not be the easiest task in this market, but isn't your happiness worth the time it will take to find a new job?

If you are unhappy with this industry, do the real estate industry a favor and find a new industry! This industry needs to be filled with happy people now more than ever! There are enough of challenges. We must all be happy and work together to get us out of the mess this industry is in.

Have a GREAT, HAPPY week!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

508-243-1190

Residential & Commercial Financing

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial strength."

Do you "dig into" your job to resolve issues?

Ann Sabbagh (Seacoast Mortgage Corporation) — Fri, 27 Nov 2009 13:27:50 -0600

"THE MIND THAT TRIES TO REST ONLY ON THE SURFACE OF THINGS WILL BE TOSSED ABOUT IN EVERY STORM. Dive deeper to where the peace is."

Do you "get into" the job? Do you try to resolve issues? Do you "dig in" and get to the bottom of the problem at hand: actively work on obtaining a solution? Or do you leave it to others to resolve and figure out?

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Do you tell the real reason when something goes wrong or do you sometimes use the "scapegoat approach'?

Ann Sabbagh (Seacoast Mortgage Corporation) — Fri, 27 Nov 2009 13:10:27 -0600

"Man has no nobler function than to defend the truth." Ruth McKenney

Not every transaction goes perfect. We all try, but something will inevitably happen if you have many transactions. Being busy, one needs help to focus on all the details. So, for those of you who are busy in this industry, when something goes wrong AND it is your fault, do you take the blame or do you come up with a scapegoat? DO you tell the truth to your seller or buyer? Or do you start blaming the lender, the title attorney, the appraiser, or whomever?

There is a saying: "the truth will set us free". Better to tell the truth than to have to continue to not tell the truth and complicate the situation even more.

What do you do?

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

WHAT is YOUR PURPOSE IN THE REAL ESTATE INDUSTRY? WHY are YOU here? Please share!

Ann Sabbagh (Seacoast Mortgage Corporation) — Fri, 27 Nov 2009 12:53:27 -0600

"YOU ARE HERE FOR A PURPOSE. There is not a duplicate of you in the whole wide world; there never has been, there never will be. You were brought here now to fill a certain need. Take time to think that over." Lou Austin

So, what is YOUR purpose? Why are you in the real estate industry? I find myself here because I enjoy helping the consumer obtain their dream: their home for their family. Sure, many consumers can go anywhere for a mortgage, but those that want a professional who counsels them from a total financial perspective is what brings me into this industry. I do not qualify a client based on the qualifying ratios; I qualify based upon their unique financial situation. Their lifestyle. Their financial goals.

Being a financial planner has enabled my clients to take a strong hold on their financial future. My client's solid financial future: This is what gets me out of bed every morning to deal with the challenges of the lending arena.

And you? Where do you fit in? Why do you think you are in the real estate industry? What brings you here? What is YOUR PURPOSE?

Thanks for sharing!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Do you "stick" to it? Do you execute your plan? Do you have a plan?

Ann Sabbagh (Seacoast Mortgage Corporation) — Mon, 23 Nov 2009 20:25:36 -0600

"I like a person who knows his/her own mind and sticks to it; who sees at once what, in given circumstances, is to be done, and does it." William Hazlitt (1778-1830) English Essayist

Do you get up every morning or go to bed each evening with a plan for the day or the next day? Do you stick to the plan? For example, you say you will send out Thanksgiving Day cards to all your clients and, instead, you only send out a few? Or you had a goal of calling expired listings for the past month, but only achieved calling a few numbers?

Do you set a plan and then you do NOT "stick to it"? OR are you a "do-er". Someone who "sticks" to the plan.

Those people that "stick" with a plan, usually are the successful people.

Do you set a plan and "stick" to it?

Ann Sabbagh

Vice-President

Seacoast Mortgage

Residential & Commercial Financing

508-243-1190

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial strength."

What is LIFE ALL ABOUT? Do you know?

Ann Sabbagh (Seacoast Mortgage Corporation) — Sat, 21 Nov 2009 11:11:33 -0600

"You are a wise soul who unlocks the mysteries of life by beginning with the self."

By knowing yourself, you can begin to understand life and how you can "fit in". We all wonder "what is life all about"? Perhaps we should ask ourselves "what am I all about"? Perhaps I want to help others or I just want to help myself and my family. Whatever it is you want out of life, figure that out first and then figure out how to attain it.

Get to know yourself TODAY!

Ann Sabbagh

Vice-President

Seacoast Mortgage

508-243-1190

Residential & Commercial Financing

'When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial strength."

Do you PROCRASTINATE?

Ann Sabbagh (Seacoast Mortgage Corporation) — Thu, 19 Nov 2009 21:04:16 -0600

"Conditions are NEVER 'just right'. People who delay action until all factors are favorable do nothing." William Feather (1888-1981) Author

Do you find yourself saying, "I'm waiting until....?" Time passes quickly. Do not WAIT until the weather is perfect and the stars are aligned correctly. Just DO IT! Make life happen. Do not put off until tomorrow what you can do TODAY. The movers and shakers will just whizzzzzzzzzzz by you. So, BEEP, BEEP, become the Road Runner, not the one who is left by the side of the road.

BEEP, BEEP!

Have a great day!

Ann Sabbagh

Vice-President

Seacoast Mortgage

508-243-1190

Residential & Commercial Mortgages

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial success."

Do you UNDERSTAND people?

Ann Sabbagh (Seacoast Mortgage Corporation) — Wed, 18 Nov 2009 07:48:39 -0600

"You are a soul who does not over-think, or over-act or over-speak, because you UNDERSTAND." Author unknown

Do YOU understand people or do you over-speak them and over-react or think too much about a situation? To understand someone means, to me, knowing THEIR goals and what THEY want. Not what I want or what my goal is.

I approach each consumer with this thought process. What is it that they want? By achieving their goal, I should see a happy client at the closing table!

Have a GREAT day!

Ann Sabbagh

Vice-President

Seacoast Mortgage

Residential & Commercial Financing

508-243-1190

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial future!"

TEXTING AND DRIVING: EXTREMELY BADDDDD combination! Here is the video which shows the DANGER all TOO WELL!!! If it saves ONE life, it is worth viewing.

Ann Sabbagh (Seacoast Mortgage Corporation) — Sun, 08 Nov 2009 20:42:19 -0600

Texting and driving are DANGEROUS and DEADLY activities when coupled together! One must wonder if we have gone too far with technology? And if we need to have this technology. There should be HARSH penalties for those who use the technology with a potential of harm to others.

"The danger caused by texting while behind the wheel is no joke, and as an extremely graphic PSA from the UK shows in almost unbearable detail, the results can be truly deadly. The more than 4-minute video, which shows a group of teenage girls getting into a head-on collision while the driver of the car text messages, has caused some strong reactions due to its graphic nature, with some people asking if it goes too far. For example, the PSA, apparently produced by the Gwent Police Department in Wales, shows the girls heads snapping back and forth violently as glass shatters and blood pours forth. While it is no doubt hard to watch at points, it certainly gets the point across. " (excerpt from the website below):

************ VERY GRAPHIC !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! **********

The video shown on this site is VERY graphic! ADULTS: please watch it BEFORE you pass onto your teenagers. I cannot get it out of my mind, so I can only imagine the impact it has on a teenager. But, if this video saves even one life, it is worth it being out there for all to see.

This video has changed lives and will impact yours. I hope it will impact your life in a positive way.

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Do you GOSSIP or NOT? Look what happens when you do NOT:

Ann Sabbagh (Seacoast Mortgage Corporation) — Sun, 08 Nov 2009 09:48:32 -0600

"The man who has time for gossip and slander has no time for success."

HOW TRUE! There are those who gossip and those who do not. Take notice! The ones who do NOT gossip are the ones who SUCCEED. Please take a moment and think of those you RESPECT and ADMIRE. They are successful because they keep the gossip within themselves. They listen to others, but they focus on the positive and throw away the negative. They focus on their goals and ultimately achieve their goals.

How do you rate yourself: a Gossiper or NOT?

Ann Sabbagh

Vice-President

Seacoast Mortgage

RESIDENTIAL & COMMERCIAL FINANCING

508-243-1190

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial strength!"

ARE YOU HONEST?

Ann Sabbagh (Seacoast Mortgage Corporation) — Sat, 07 Nov 2009 11:00:39 -0600

"Make yourself an honest man, and then you may be sure that there is one less scoundrel in the world." Thomas Carlyle (1795-1881) Scottish Writer

HONESTY IS THE BEST POLICY ! How often have you heard this? If we all lived by this rule, the world would be such a better place to live! There are those of us who play by the rules and those of use who look for a "work-around". Who are YOU?

Have a GREAT day!

Ann M. Sabbagh

Vice-President

Seacoast Mortgage Corporation

"Where financing is smooth sailing!"

Residential & Commercial Financing

(508) 243-1190

(401 475-1441 (fax)

email: asabbagh@seacoastmortgage.com

website:www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength!"

I HAVE A QUESTION !

Ann Sabbagh (Seacoast Mortgage Corporation) — Sun, 01 Nov 2009 22:42:11 -0600

I have a question:

Can someone explain the use of Twitter for business purposes? Aside from letting the world know I may not be available for the next hour or so, what purpose does it serve? I signed up, but have yet to use it. I just think if someone wants to reach me, they will call me and then leave a message if I do not answer the phone. They do not care where I am.

What are your thoughts on Twitter? Thank you for your responses!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

What is YOUR idea to solve the housing crisis?

Ann Sabbagh (Seacoast Mortgage Corporation) — Sun, 01 Nov 2009 22:17:10 -0600

Ok, with all the knowledge and experience of all of us at Active Rain, we should be able to come up with viable solutions to this housing crisis.

The $8000 first time home buyer credit has helped, but my fear is we will see foreclosures from this group of new buyers. How many people are coming out to buy a home simply because they are receiving the $8000? In fact, in some cases, they make money by buying a home ($100,000 purchase can only "cost" 3.5% down: $3500: finance all closing costs, is possible. So, in this case, the buyer makes $4500!

I do believe am educational component should be attached to the $8000 tax credit. All buyers should be required to take a home buying seminar and receive a certificate of completion, which must be delivered to the lender PRIOR to closing.

So, time will tell on the $8000 tax credit and its % of foreclosures.

Now, let's come up with other ideas!

What is YOUR idea?

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Are you afraid of trying something NEW ?

Ann Sabbagh (Seacoast Mortgage Corporation) — Sun, 01 Nov 2009 22:03:48 -0600

"Come to the edge, he said. They said: We are afraid. Come to the edge, he said. They came. He pushed them - and they flew!" Guillaume Apollinaire

Have you ever felt afraid of trying something new? In this real estate industry, it is imperative you are NOT afraid, because we are in ever-changing environment. Gone are the days when buyers called their local realtor to "find a home". It is RARE. Now the internet is here. For those realtors relying on the phone to ring, the rings will be few. Look at the realtors who understand the power of the internet and you will hear their phones ringing.

Are you afraid? Come to the edge; receive a gentle push from your friends here at Active Rain and FLY!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Are you OPEN-MINDED?

Ann Sabbagh (Seacoast Mortgage Corporation) — Thu, 29 Oct 2009 21:24:37 -0500

"Close your eyes and let the mind expand. Let no fear of death or darkness arrest its course. Allow the mind to merge with mind. Let it flow out upon the great curve of consciousness. Let it soar on the wings of the great bird of duration. Up to the very Circle of Eternity." Hermes"

So, what does "Hermes" mean by this? Well, my interpretation is to let your mind not be confined to your own ideas and thoughts. Open your mind to the thoughts and ideas of others. Do not be stubborn and close-minded.

In the real estate industry, we sometimes feel everyone else is wrong and we are right. We do not wish to listen to others. When we open our minds, we can become greater at what we do. By working together, we become great. A team effort is better than a solo effort. In real estate, it takes a team: the realtor, loan officer, attorneys, appraiser, insurance agent, inspectors, homeowner, and of course, the buyer.

Let's be open minded and make it a team effort!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Do we consider ourselves a success or a failure? we are what we believe!

Ann Sabbagh (Seacoast Mortgage Corporation) — Thu, 29 Oct 2009 21:00:33 -0500

This is so well put! We should read this from time to time to remind us that life happens. Let's not be afraid to fail; our courage will lead to success!

Great blog, Sandy! (and great words Winston Chuchill !)

Via Sandy Bliven, e-PRO Certified Agent (Coldwell Banker Cahoone):

"Success if not final, failure is not fatal;
It is the courage to continue that counts."

Winston Churchill 1871-1965

Motto to Live By

"Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, body thoroughly used up, totally worn out and screaming "WOO HOO what a ride!"

If You Ain't Different You Ain't Normal.

$8000 tax credit: REAL FACTS: UP-TO-THE-MINUTE: from the "horse's mouth"

Ann Sabbagh (Seacoast Mortgage Corporation) — Thu, 29 Oct 2009 20:44:40 -0500

OK...Is it TRUE??? Can it be real???

* Is the $8000 1^st time home buyer credit being extended?

* Is it going to be offered to everyone?

* Are the income limits changing?

* When is the new termination date?

There are so many real estate professionals talking about this, so let's get it straight as of this moment. Click on the latest:

http://www.mcall.com/classified/realestate/sns-200910271751tmsrealestmctnig-a20091029oct29,0,5362048.story

Only the facts here, only the facts as of this moment....but you know this industry! Many changes in lending on a daily basis!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Do you have regrets?? WELL DON'T!!!!!!!

Ann Sabbagh (Seacoast Mortgage Corporation) — Thu, 29 Oct 2009 20:19:17 -0500

"Make it a rule of life never to regret and never to look back. Regret is an appalling waste of energy; you can not build on it, it's only good for wallowing in." Katherine Mansfield (1888-1923)

So, real estate agents, you may not have priced the last listing attempt correctly or you said something wrong during the appointment. Loan officers, you may have quoted the rate too high or forgot to ask for the tax returns when you pre-approved a borrower and then the underwriter noticed "unreimbursed employee expenses", thus lowering your pre-approval amount.

We all have regrets over mistakes or blunders or whatever. It is part of life to have regrets. Songs have been written about: Frank Sinatra's "My Way"......."regrets, I had a few.....but I did it my way..." You know the song!

Regrets should build character and not impede us from the next step we take in life.

Keep stepping!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

When is the last time you did a "RANDOM ACT OF KINDNESS"?

Ann Sabbagh (Seacoast Mortgage Corporation) — Thu, 29 Oct 2009 19:18:04 -0500

"The little unremembered acts of kindness and love are the best parts of a person's life." William Wordsworth (1770-1850) Poet

When is the last time you did an act of kindness for someone not in your immediate circle of family and friends? And when you do a kind act, do you talk about it and broadcast it? Or do you act kind so often that they go unremembered by you?

Try spending one day doing random acts of kindness to those you meet along life's way. See how you feel at the end of the day. If you wish to share, I would love to hear how you felt at the end of the day.

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

Residential and Commercial Financing

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Do you WASTE time???? Do you know how to ENJOY life?

Ann Sabbagh (Seacoast Mortgage Corporation) — Fri, 23 Oct 2009 19:25:38 -0500

"Make each day useful and cheerful and prove that you know the worth of time by employing it well. Then youth will be happy, old age without regret, and life a beautiful success." Louisa May Alcott (1832-1888), Author

Do YOU make each day useful? Or do you spend time thinking about what you need to do, thinking about what you wish you had done, or just wasting time in general?

Some of us need "to-do-lists" or we may do well by attending a time management class.

The most successful people in a sales industry, such as the real estate industry, spend time with their family, dedicate time to their religion and with business, they focus on their current clients, past clients and their future clients (marketing). If you share your time among all these categories, you WILL be successful. And, I believe, your regrets will be minimal.

Enjoy life !

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

Dream clients and closings conquer all!!!

Ann Sabbagh (Seacoast Mortgage Corporation) — Thu, 22 Oct 2009 17:35:47 -0500

"I have had dreams, and I have had nightmares. I overcame the nightmares because of my dreams." Dr. Jonas Salk

The real estate industry has its nightmares, but when the dream closings and the dream clients come along, how quickly we forget about the nightmares!

Have a GREAT day!

Ann M. Sabbagh

Vice-President

Seacoast Mortgage Corporation

"Where financing is smooth sailing!"

Residential & Commercial Financing

(508) 243-1190

(401 475-1441 (fax)

email: asabbagh@seacoastmortgage.com

website:www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength!"

Know someone affected by BREAST CANCER? Please help them and others: PLEASE READ THIS!!!!

Ann Sabbagh (Seacoast Mortgage Corporation) — Wed, 21 Oct 2009 20:07:46 -0500

Breast cancer is a leading cause of death for women (and men also suffer from this terrible disease).

This Saturday, I will be walking for a cure. My mother and my mother-in-law are just two women who have been afflicted by this disease. I am sure all of you know someone who has been affected by breast cancer.

I know times are tough, but if you can afford anything, please log onto my personal donation page and donate for this cause. Every penny is appreciated!

Please click this link:

http://makingstrides.acsevents.org/site/TR/MakingStridesAgainstBreastCancer/MSABCFY10National?px=13375903&pg=personal&fr_id=19931#

I will keep all of my Active Rain's family and friends who have been affected by this disease in my thoughts as I walk this Saturday!

THANK YOU !!!!!!!!!!!!!!

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

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Easy calculation to see if you are on track for retirement. Six questions/answers will let you know. FIND OUT NOW!

Ann Sabbagh (Seacoast Mortgage Corporation) — Wed, 21 Oct 2009 19:25:13 -0500

DO YOU KNOW IF YOU SAVED ENOUGH/ARE SAVING ENOUGH FOR RETIREMENT?

If the answer is "no", you should find out NOW so you know what you need to do to accomplish retirement. There are many websites you can use to help you calculate YOUR retirement requirement. Here is one from Bank of America that is very easy to use:

http://ira.bankofamerica.com/calculator/Default.aspx?section=calculator&subsection=content&bhcp=1

Once you plug in your numbers, the "Retirement Calculator" will show you how much more you need to save OR if you saved "too much", God Bless YOU! You have done well. If you are not so fortunate, do NOT despair. The next step is to figure out how to attain your goal. If you need help, which most people do since we are all busy in our lives, please meet with a financial professional. Ask friends who they use. OR ask your CPA, attorney, someone you trust. Do NOT look through the yellow pages. You want someone PROVEN and referred by someone you trust!

So, get started! Today is the start of building your wealth so you CAN retire comfortably.

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

How to WIN in Real Estate! Do you know how?

Ann Sabbagh (Seacoast Mortgage Corporation) — Wed, 21 Oct 2009 09:14:02 -0500

"Climbing is not about conquering the rock; it is about conquering yourself."

Sometimes we get in our own way when a challenge is presented to us. It may be our stubbornness or our pride or our own personal convictions. We need to step out of the box and watch ourselves as if we were in a movie. What would we think of ourselves as we watched?

Real estate, and for that matter, everyday living, presents obstacles we need to overcome in order to achieve RESULTS. Let's eliminate one issue: ourselves. Fight back the temptation to argue back. When others raise their voices, speak lower than them. Remain calm. Do not add to the fire. Keep focused on the ultimate result. You may lose the battle, but the war is more important: in the real estate industry, it is the client satisfaction result we all need to be focused on. Even if it means you lose $$$, it will come back to you ten-fold over time!

Have a GREAT day!

Ann M. Sabbagh

Vice-President

Seacoast Mortgage Corporation

"Where financing is smooth sailing!"

Residential & Commercial Financing

(508) 243-1190

(401 475-1441 (fax)

email: asabbagh@seacoastmortgage.com

website:www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength!"