Remember...Daylight Savings Time! - 10/30/09 08:10 AM
Remember to set your clocks back one hour as Daylight Saving Time will end on Sunday, November 1st. And when you adjust your clocks the night before, you'll be right on time Sunday morning!If you or someone you know needs assistance with a purchase or refinance loan, please email me or call 678-648-5626.
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Information Marketing - Giving to Receive - 10/29/09 08:31 AM
 
Information marketing infuses free information about a product or service along with the regular sales pitch. Unlike the decoder ring in abox of Cracker Jacks, info-marketing provides the free prize before any purchase has taken place. It appeals to consumers much more, because they don't feel as though they are being approached by a pushy salesperson. For this reason, info-marketing can be a great vehicle for cementing new relationships.Here are some examples of information marketing that will inspire the potential client to think of you as a credible resource, even before they meet you in person.The How-to-Sell-Your-Home BookletReal Estate agents … (1 comments)

Take the Stress Out of Moving - 10/28/09 05:29 PM
Moving can be very exciting...but it can also be a bit of a pain as well. Besides packing and unpacking, there is a long list of details to be handled. Things like choosing a mover, connecting utilities, getting Internet and cable service, or subscribing to newspapers or magazines in a new area can be quite a chore. And if you forget to connect one of the utilities you could be stuck in your new home for several days without that much-needed service.To ease the stress of moving and to schedule new connections for all of the utilities in one convenient location, … (0 comments)

The Art of Database Management: Meeting Customer Relevancy - 10/23/09 08:14 AM
It's important not to assume to know what is relevant to your clients. You must ask intelligent questions, run reports on this information, and then proactively meet your customers' relevant needs. This completes our analysis of Bill Gates' quote regarding managing information, and brings us full circle.We've talked about gathering information. Here are some things that you can do to BUY BRAIN CELLS! Remember, marketing is about being in the forefront of your clients' thoughts, and the only way you can buy their brain cells and make them work for you is by marketing to what is important to them. That is why we … (58 comments)

Mortgage Interest Rate Myths - 10/21/09 07:54 AM
This may come as a shock to many borrowers, but it's absolutely true. Mortgage interest rates are not set by the Federal Reserve and, contrary to popular belief, mortgage rates are not directly tied to the yields of US Treasury bills, bonds, or notes – including the 10-year Treasury Note. That's right. Despite what you might hear in the media, mortgage interest rates are actually set by lending institutions, and are based solely on the performance of mortgage-backed securities.For years now, the media and inexperienced loan officers everywhere have suggested that the 10-year Treasury Note, a government-backed security, is directly tied to mortgage interest … (4 comments)

The Art of Database Management: Reporting and Managing Information - 10/16/09 07:35 AM
The second part of Bill Gates' famous quote from Business at the Speed of Thought deals with the subject of reporting and managing the information you've gathered. The unfortunate reality is that many people have databases full of useful information, but they simply don't use the information effectively. Many people think of a database as an electronic Rolodex®, when it is really so much more than that. A database is a living, breathing, proactive platform that can generate predictable results and keep bringing in new business for you.The only way to turn your data into useful information is through reporting. The more you know … (7 comments)

How Much Money Should You Borrow? - 10/14/09 08:50 AM
While it might be tempting to borrow whatever amount of money your lender is willing to give you, it's important to think carefully about how much you'll actually need to borrow in order to purchase a new home. From the down payment to taxes to insurance and interest rates, there are many factors to consider when making this important, life-changing decision.Contrary to popular sentiment, there is no standard formula for accurately calculating the specific dollar amount you should borrow when purchasing a new home. Many websites do offer special borrower calculators that claim to factor in important variables, and yet final … (8 comments)

The Art of Database Management: Gathering Information - 10/09/09 08:54 PM
Most of us are sales people when you get right down to it. Our job is to sell our services - and ourselves - as we strive to add more clients to our existing book of business. The unfortunate fact is that most of us are in such a hurry to sell our services that, in the process, we forget to do the most important thing relative to sales.Remember the quote from Bill Gates? The most important thing we can do is gather as much information as possible and understand what our customers need. From there, we can construct a presentation that … (2 comments)

Avoid Changes to Your Financial Profile During the Loan Process - 10/07/09 07:32 AM
Once your loan package has been sent to the lender, there are a number of things you should avoid doing that will change your financial picture, especially now that underwriting guidelines have become strict. Remember, the lender is looking for stability and consistency. If you want the best interest rate, keep that in mind. Here are a few things to consider:The lender is looking to see what your source of down payment is.Your lender will most likely ask you to provide proof of yourliquid assets. This includes bank statements for checking and savings accounts, verification of investments, and any other liquid … (5 comments)

The Art of Database Management: Working Smarter - 10/02/09 08:39 AM
The relationship you develop with your customers, combined with the personal information you are constantly collecting, can be a goldmine for future business. The fact is most business professionals spend a significant amount of money marketing to people they don't know in an effort to procure new business.Wouldn't it make more sense to go deeper with your existing clients – to really understand their needs – and spend your marketing dollars on people you already have a relationship with?In Bill Gates' book, Business at the Speed of Thought, he states:"How you gather, manage and use information to serve the needs of your … (3 comments)

 

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