As a Des Moines Mortgage lender, I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Des Moines, and throughout Iowa. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, my dedicated team stands ready to assist each and every step of the way.
Good News! You know someone in the mortgage business.
Hello. You may or may not be aware that I am a mortgage professional. This is good news for you because now when you need mortgage services, you can get honest help from someone you can trust. If you are in need of assistance with any of the following, help is just a phone call away: • Purchasing a home • Refinancing your current home (to lower your • payments, consolidate debt or cash out equity) • Getting a Home Equity Line of Credit or • Home Equity Loan • Answering any mortgage-related questions It would be great to hear from you. Feel free to contact me anytime.
Luke Landis Senior Mortgage Banker Office 515-222-0123 E-mail: luke@hmg1.com Website: www.iowamortgageman.com 12345 University Ave Ste 100 - Clive, IA 50325
Heartland Mortgage Group
P.S. I rely heavily on word of mouth to generate new business. If you would be kind enough to pass my information on to friends and family who may be in need of my services, I would be grateful.
This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.
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God asks Peyton Manning first: "What do you believe?" Peyton thinks long and hard, looks God in the eye, and says, "I believe in hard work, and in staying true to family and friends. I believe in giving. I was lucky, but I always tried to do right by my fans." God can't help but see the essential goodness of Manning, and offers him a seat to his left..
Then God turns to Tony Romo and says, "What do you believe?" Tony says, "I believe passion, discipline, courage and honor are the fundamentals of life. I, too, have been lucky, but win or lose I've always tried to be a true sportsman, both on and off the playing fields." God is greatly moved by Tony's sincere eloquence, and he offers him a seat to his right.
Finally, God turns to Brett Favre: "And you, Brett, what do you believe?" Brett replies, "I believe you're in my seat."
As a Des Moines Mortgage lender, I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Des Moines, and throughout Iowa. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, my dedicated team stands ready to assist each and every step of the way.
I understand that it's not just a house, it's your home.
Your home is one of the largest financial commitments that you will make during your life, and many people view that as meaning just another monthly payment.
I can help you realize that your home is truly a valuable financial tool, and will help you achieve the dreams and plans they envision for your future.
You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I'm ready to work for your best interest.
As a Des Moines Mortgage lender, I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Des Moines, and throughout Iowa. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, my dedicated team stands ready to assist each and every step of the way.
I understand that it's not just a house, it's your home.
Your home is one of the largest financial commitments that you will make during your life, and many people view that as meaning just another monthly payment.
I can help you realize that your home is truly a valuable financial tool, and will help you achieve the dreams and plans they envision for your future.
You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I'm ready to work for your best interest.
As a Des Moines Mortgage lender, I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Des Moines, and throughout Iowa. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, my dedicated team stands ready to assist each and every step of the way.
I understand that it's not just a house, it's your home.
Your home is one of the largest financial commitments that you will make during your life, and many people view that as meaning just another monthly payment.
I can help you realize that your home is truly a valuable financial tool, and will help you achieve the dreams and plans they envision for your future.
You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I'm ready to work for your best interest.
What is the biggest misconception in the mind of the guy about to make an offer on a house?
This seller must be absolutely desperate to sell this house.
I will ignore the asking price, because all houses are priced with plenty of negotiating room.
Sellers expect low ball offers in this market.
Any seller would be lucky to have me buy their house.
It can't be a good buy unless I am able to steal the house.
If this offer doesn't go through, I'll just keep on low balling until I get another house.
I am a brilliant negotiator.
If the seller won't take this offer, I will walk away for a few weeks and let them stew until they do.
No one else would want this house, anyway.
No one pays full price in this market unless they are stupid.
The sorry state of our economy and the desperation of the retail world have combined to brainwash our clients about buying real estate. Somewhere along the way, "stealing the house" and "winning the negotiations" became more important than landing the best house in the best location at a price you can afford.
Extreme bargain hunting has become a national addiction, and it is spilling over into the real estate industry.
When EVERYTHING we buy from automobiles to clothes is marked down 50% or more, has a coupon attached for a further discount, and comes along with freebies on the side, is it any wonder buyers of real estate have developed an attitude of EXTREME superiority, believing sellers are mere beggars?
Can you see how they have been conditioned to believe that as a buyer, they can call all the shots, no matter how ridiculous?
Many think those beggar sellers must be thinking this:. "Please, buy my house. I am desperate, you know, and expecting your ridiculous offer".
And you know what they say, beggars can't be choosers. And so the stuggle to convince buyers that a house, ANY house, is priced "right" continues.
Here's a news flash: beggars may not be able to be choosers, but losers can sure be snoozers.
Buyers should ask themselves this: Am I willing to risk losing the house I love because I am addicted to scoring an extreme bargain?
Isn't getting the BEST HOUSE in your LOCATION OF CHOICE at a hugely deflated price enough of a high?
Or has extreme bargain shopping become like a drug addiction? You will sacrifice your long term well-being and logical thinking for that 10 minute high of feeling ever so smart because you "stole" the house?
Before you smile just thinking about how to make the seller squirm, remember this:
There is just that one piece of real estate in the whole world. That is what makes a house different from buying a car or a sweater.
Remember these things too: You cannot return it. You can sell it, but the cost of doing so will probably be far more than any savings from your extreme bargain.
Then get your priorities straight. It is about getting the house. Not getting the extreme bargain you can brag about at your next party. That feeling of superiority will last what? For a few days?
Getting the right house can give you a lifetime of pleasure and satisfaction. Even if you pay full price, you will look back and be amazed at the EXTREME BARGAIN these economic times served you up on a silver platter.
Want to know another secret? Sellers are not nearly as desperate as you think.
Written by Janet Guilbault, Mortgage Lending Expert Based Out of the San Francisco Bay Area
As a Des Moines Mortgage lender, I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Des Moines, and throughout Iowa. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, my dedicated team stands ready to assist each and every step of the way.
I understand that it's not just a house, it's your home.
Your home is one of the largest financial commitments that you will make during your life, and many people view that as meaning just another monthly payment.
I can help you realize that your home is truly a valuable financial tool, and will help you achieve the dreams and plans they envision for your future.
You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I'm ready to work for your best interest.
As a Des Moines Mortgage lender, I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Des Moines, and throughout Iowa. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, my dedicated team stands ready to assist each and every step of the way.
I understand that it's not just a house, it's your home.
Your home is one of the largest financial commitments that you will make during your life, and many people view that as meaning just another monthly payment.
I can help you realize that your home is truly a valuable financial tool, and will help you achieve the dreams and plans they envision for your future.
You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I'm ready to work for your best interest.
There is one Christmas Carol that has always baffles us.What in the world do leaping lords, French hens,swimming swans, and especially the partridge who won't come out of the pear tree have to do with Christmas?
From 1558 until 1829, Roman Catholics in England were not permitted to practice their faith openly. Someone during that era wrote this carol as a catechism song for young Catholics. It has two levels of meaning: the surface meaningplus a hidden meaning known only to members of their church. Each element in the carol has a code word for a religious reality which the children could remember.
The partridge in a pear tree was Jesus Christ.
-Two turtle doves were the Old and New Testaments. -Three French hens stood for faith, hope and love. -The four calling birds were the four gospels of Matthew, Mark, Luke & John. -The five golden rings recalled the Torah or Law, the first five books of the Old Testament. -The six geese a-laying stood for the six days of creation. -Seven swans a-swimming represented the sevenfold gifts of the Holy Spirit--Prophesy, Serving, Teaching, Exhortation, Contribution, Leadership and Mercy. -The eight maids a-milking were the eight beatitudes. -Nine ladies dancing were the nine fruits of the Holy Spirit--Love, Joy, Peace, Patience, Kindness, Goodness, Faithfulness, Gentleness and Self-Control. -The ten lords a-leaping were the ten commandments. -The eleven pipers piping stood for the eleven faithful disciples. -The twelve drummers drumming symbolized the twelve points of belief in the Apostles' Creed. So there is your history for today. This knowledge was shared with me and I found it interesting and enlightening and now you know how that strange song became a Christmas Carol...so pass it on if you wish.'
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
What is the biggest misconception in the mind of the guy about to make an offer on a house? 
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