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real estate: The Key to Creating Intimacy; Use a Concierge Form - 12/07/10 02:51 PM
Superstar REALTOR Terry Moerler has clients fill out a concierge form at home, prior to meeting with them. This helps her better understand those prospects and target their hot buttons. It affords her an opportunity to probe their minds, know their likes and dislikes, and then meet their needs with efficiency.The more you know about your clients' needs, the better you can adapt your presentation to exceed their expectations. But you must implement a system for gathering this information up front. After the initial information is obtained, you and your team members must collaborate in an effort to collect additional facts. … (0 comments)
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real estate: Get inside the mind of the consumer; Websites every realtor needs to know - 12/01/10 12:31 PM
Studies indicate that over 80% of today's home buyers visit the Internet long before seeking the professional assistance of a REALTOR®. This means that, thanks to popular realty-themed websites that compete for your business, your clients are already armed with more information than ever before.That's why today's savviest real estate agents must change their perspective and fight back. And the best way to do this is to visit and become familiar with these kinds of sites and the features they offer. This data will not only prepare you to answer any questions your clients might have, it will allow you to … (2 comments)
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real estate: Stop Paying your Landlords Mortgage!!! - 11/22/10 11:59 AM
It's staggering when you think about the cost of living, especially if you're a renter and not a home owner. If you are currently paying $1,000 a month for rented housing, then over the next three years, your property management company will effectively have reaped $36,000 of your hard earned cash! You're paying their mortgage when you could be building equity in your own property.What if I don't have the money to buy a home right now?There are many loan programs available that offer low and no down payment options. Some programs permit gift money as a down payment, and often … (2 comments)
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real estate: Recycling with a Payoff - 11/18/10 02:23 PM
It's safe to say that recycling plays a significant role in most of our lives, and is very rewarding when we consider the ecological impact we collectively produce by our efforts to recycle, reduce, and reuse. But, what if I told you that "going green" could be financially rewarding as well? The following are some easy ways to make a little "green" for yourself, just for doing the little things you already do to lessen your ecological footprint. Like Money in the Bank In some states, RecycleBank.com is changing the way we take out the trash. This company takes the recyclables … (0 comments)
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real estate: 10 Things We Over Pay For - 10/08/10 12:38 PM
Does the avalanche of news about layoffs, business losses and a declining stock market have you looking for ways to cut your spending so you can beef up your savings? We're here to help, with suggestions for less-expensive alternatives to ten everyday purchases (for more ideas, go to www.BillShrink.com, which tracks cell-phone plans and credit cards).
Afternoon snacks. Do you munch protein bars as a healthier alternative to a chocolate pick-me-up? You could easily be paying more than $2 per bar and consuming just as much sugar as you would with your favorite candy bar. Stock up on fruit for a … (0 comments)
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real estate: ***MI for FHA almost Doubling Oct 4th!*** - 09/30/10 11:44 AM
Effective October 4th the monthly MI for FHA will be almost doubling. It is currently at .55% and will go up to .90%. So on a sales price of $200,000 this would move the payment up $56 per month. So your clients may not qualify for the amount they are currently shopping for.
I thought you would like to know this change is coming. So if you can find a house before October 4th you will save your clients money.
… (0 comments)
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real estate: Top 10 Credit Don’ts During the Loan Process - 09/16/10 12:30 PM
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real estate: Understanding Credit Scoring & Credit Repair - 09/01/10 11:49 AM
Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the average home shopper knows very little about the whole credit scoring process. Sub-prime borrowers who are eager to move into A-Paper territory often find themselves at a loss when trying to find ways to upgrade their credit history. The good news is there are ways to improve less-than-perfect credit scores and obtain a loan for the home you really want.
The first step in the process is making sure that you have a current … (0 comments)
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real estate: Five Tax Breaks Every Homeowner Should Know - 08/16/10 12:32 PM
Benjamin Franklin once said, "In this world nothing can be said to be certain, except death and taxes." More than 200 years later, this certainly holds true. And while being a homeowner won't add years to your life, the modern tax code has a number of benefits certain to make your tax bill lower. The following are a few ways your CPA or Tax Preparer can help you save: Take an interest in your mortgage interest - Statistics show that only about half of homeowners claim this valuable deduction. Make sure you're one of them. On average, qualified American homeowners … (0 comments)
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real estate: Credit Protection: Do it Yourself or Call in the Pros? - 08/05/10 12:16 PM
There seems to be a lot of credit protection companies popping up recently that promise to help you lock down your credit information and protect your identity. And while these services can be valuable and worth the subscription fees and cash guarantees, there are steps proactive consumers can take to protect their personal credit information and save a few bucks in the process - if they're up for the challenge. The following are a few pros and cons of both options.Fraud Alerts - The main step credit protection programs take is to activate a fraud alert on your credit profile at … (0 comments)
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real estate: Get to the IRS on Time: Even If You Can't Pay - 08/04/10 11:30 AM
Have you ever completed your tax returns only to find out that you owe way more to Uncle Sam than you were expecting - or worse, that your tax bill is more than you can possibly afford to pay right now?Don't worry. If this is the case, you're not alone. And, more importantly, you're not going to jail just for being a little short on cash. Rest assured, the IRS only seeks criminal charges for those who the agency can prove intentionally chose not to file and pay taxes. So, even if you can't pay your bill right away, file your … (2 comments)
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real estate: What Does the Federal Reserve Do Anyway? - 08/02/10 11:45 AM
With the economy in the news every day, more attention is being focused on the Federal Reserve than ever before. The Federal Reserve System is made up of twelve Federal Reserve Banks, overseen by the Board of Governors. The Board of Governors is located in Washington DC and is comprised of just seven members, who are appointed by the President and confirmed by the Senate. The main responsibilities of the Fed include:
Researching US national and regional economies Providing financial services to depository institutions, the US government, and foreign official institutions Supervising and regulating banking institutions to ensure the safety … (0 comments)
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real estate: What You Need to Know About the ATM, Debit, and Gift Cards You Own - 07/29/10 12:03 PM
You've probably heard a lot about new rules relating to the financial cards you carry in your wallet. But, if you're like most people, you aren't exactly sure what changed, what it means to you, or what you need to do.
To help you gain a clearer understanding of the new rules, the article below focuses on what's changed for ATM, debit, and gift cards.
Overdraft Charges for ATMs and Debit Cards
The Federal Reserve has issued new rules about the overdraft fees that banks can charge on your ATM or debit card usage. If you haven't already received a notice … (1 comments)
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real estate: Top 10 Credit Don’ts During the Loan Process - 07/28/10 12:09 PM
Many are taking advantage of interest rates at historic lows, either by re-structuring debt with a refinance or purchasing a new home. However, the recent economic crisis has created even tougher guidelines and credit requirements and there are some things that consumers must be aware of when applying for a loan.Leading nationwide credit expert and President of Credit Resource Corporation, Linda Ferrari, developed the top 10 credit don'ts during the loan process, to help you get your arms around those things that can unknowingly wreak havoc on your loan transaction.1. Don't do anything that will cause a red flag to be … (3 comments)
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real estate: Home Buyers Face Decisions that Affect Their Long-Term Financial Picture - 07/26/10 11:46 AM
Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available, and it is important to find the one that best fits your personal long-term goals.
First and foremost, you must have a mortgage consultant in your corner that is willing to take the time to know what your long-term goals are. Communication is the key factor here. Curious prospective home buyers sometimes turn to Internet-based services just to see what current interest … (0 comments)
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real estate: Great News for Buyers with a Short Sale! - 07/22/10 12:53 PM
There's great news from Fannie Mae for home buyers who have experienced a short sale or deed in lieu of foreclosure. To help the housing market's continued stability, Fannie Mae is changing the "waiting period" (i.e. the amount of time that must elapse after the preforeclosure or short sale event) before home buyers can qualify for a loan. Several factors will impact these changes, including the required down payment or loan to value (LTV) for the transaction and whether extenuating circumstances contributed to the individual's financial hardship (e.g. a job loss). The following chart highlights the new rules:
(1)The maximum LTV … (3 comments)
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real estate: The Lowdown on Social Lending - 07/15/10 01:33 PM
You've probably heard of social networking sites like MySpace and Facebook, but have you heard of social lending sites? Over the past few years, several websites have sprung up that combine features of the omnipresent social networking sites, and commerce sites like eBay®. These sites allow individuals to become either a borrower from or a lender to the online community. The website collects basic financial information from would-be borrowers, as well as the intended purpose for the money. The site then posts a short profile of the borrower, so that other members of the community can choose whether or not to … (2 comments)
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real estate: It's your money....Why not keep it! - 07/09/10 11:56 AM
The economic realities of the past few years have taught people some valuable lessons. One of which is: It's not what you make, it's what you keep, that counts.
If you discovered that someone was stealing from you, how quickly would you act to stop them from doing it again? Would you act today, in a week, a month, or not at all? The odds are you would act sooner rather than later.
So here's a question for you to consider. Is your current loan stealing money from you? Recent estimates in the news have indicated anywhere from 30-50% of … (1 comments)
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real estate: 9 Rules to Follow when applying for a home loan - 07/08/10 11:41 AM
Lenders get very cautious when your life circumstances change during the period between applying for a mortgage and closing on it. Here are some rules that you should follow during those critical weeks:
Rule 1: Do not change employers, become self-employed or quit your job
Rule 2: Do not take on a long-term debt such as buying a car, boat, RV or furniture
Rule 3: Do not overly use your credit cards or let your accounts fall behind
Rule 4: Do not spend any of your cash reserves (you will need enough set aside to cover closing costs)
Rule 5: … (0 comments)
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real estate: Protecting Your Credit During Divorce - 07/07/10 12:01 PM
When a marriage ends in divorce, the lives of those involved are changed forever. During this time of upheaval, one thing that shouldn't have to change is the credit status you've worked so hard to achieve.
Unfortunately, for many, the experience is the exact opposite. Unfulfilled promises to pay bills, the maxing out of credit cards, and a total breakdown in communication frequently lead to the annihilation of at least one spouse's credit. Depending upon how finances are structured, it can sometimes have a negative impact on both parties.
The good news is it doesn't have to be this way. By … (0 comments)
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Jerry Wright MLO 181458
Marysville,
WA
More about me…
Absolute Mortgage
Address: 3503 188th ST SW, Lynnwood , WA, 98036
Office Phone: (425) 771-2349
Cell Phone: (425) 238-2095
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