My Wife and I are thinking of Buying a Home

Mortgage and Lending with Amerifirst Financial NMLS # 305427

Well Well Well Well Well~

Another Potential Home Buyer I see,

I just have to bring it up, I just have to spend my time writing about this, being that its happening again and again and Consumers are just stunned and seem to have an I told you so Attitude, I hear this from far too many Realtors and the Occasional Consumer I talk to at the store or restaurant and like to compare their little notes of what they saw Interest Rates doing, or what they THINK to Feds are up too and other miscellaneous chat that usually ends up in a business card exchange with a 6-12 Month Pipeline Execution.



But what has really been getting me lately is After Qualifying somebody and reviewing all the Numbers in, out, up and down they like to think and think and think and by the time the Consumer is done doing their Thinking (which is nothing more than consulting their friends who know just as much or less than they do about the Market, which is nothing) they pick up the Phone to Confidently say to the Real Estate Professional: We would like to Place an Offer!


Then we proceed to tell them the Home is Already Under Contract, This seems to be an epidemic, Which is GREAT! Its Great to be a part of such an Active Market, Although the People REALLY need to know who to listen to.


PEOPLE- Throw Away Your TV! and Turn off your ridiculous radio station that Pumps Garbage into your mind, Get an Ipod and rock it out that way, discover Music rather than some analyst who is paid to confuse you.

Listen to Your Real Estate Agent & Loan Officer, Granted not All of us are Scholars, but just look on Google and find a good one, I Promise it will Pay Dividends, Literally!

I also say this to the Proud Renters out there that wear that Title like a Badge and Show it off, Hey- Quick hint, NOT SMART!

But that's OK, if having the convenience of not having to fix stuff when it breaks more power to you. But I would strongly consider calling a Full Time Real Estate Agent and a Full Time Loan Officer before claiming that in Public.


Lastly- You must Understand the Value a True Real Estate Agent brings, It is NOT just to open doors for you, Its to help you understand exactly what kind of a market it is and how you can Apply yourself to it, Real Estate is ALWAYS, yes ALWAYS Great to be involved in, regardless what the Media says, regardless what your friends say, regardless what you say.

So come correct, Its all You ask of Yourself, and if you don't know what to do- Pick up the Phone


In Closing I want to say that Everybody is Appreciated and It takes All to run this Ship, I just get a little fired up when I hear the things Ive been hearing and seeing the things Ive been seeing.

It guess it just gets tough when you want the Best for Everyone~


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JodiAnn Garone
Century 21 Action Plus Realty - Freehold, NJ
Bringing you Home!

Thanks for your only hope is that those buyers who are waiting get to see it before they waste time waiting...

Apr 17, 2011 10:13 AM #5
Tammie White, Broker
Franklin Homes Realty LLC - Franklin, TN
Franklin TN Homes for Sale

Real estate is local and the only one who should advise you is a local REALTOR®.

Apr 17, 2011 10:33 AM #6
Patricia Aulson
Realtor - Portsmouth NH Homes-Hampton NH Homes

Thanks for the post today.  I enojoyed the read. 


Patricia/Seacoast NH & ME

Apr 17, 2011 01:53 PM #7
Virginia Hepp - Mesquite NV REALTOR
Desert Gold Realty - Mesquite NV Homes For Sale - Mesquite, NV
Mesquite NV Homes and Neighborhoods - Search MLS

Yes, they come to town with a list .... of pending or closed homes .... that could have been theirs.  :(

Apr 17, 2011 02:08 PM #8
Christine Donovan
Donovan Blatt Realty - Costa Mesa, CA
Broker/Attorney 714-319-9751 DRE01267479 - Costa M

Travis - I understand that people want to talk to people they trust, but it's important the "consultants" understand the facts.

Apr 17, 2011 02:48 PM #9

Nice Ad

Apr 17, 2011 03:41 PM #10
Anne M. Costello
Weidel Realtors - Yardley, PA

Love the stop sign. As if we all aren't confised enough by life!

Apr 17, 2011 11:05 PM #11
Jackie Connelly-Fornuff
Douglas Elliman Real Estate in Babylon NY - Babylon, NY
"Moving at The Speed of YOU!"

It's funny how others think friends and family know more. Most of their friends and family haven't bought a home in 15+ years. Things have changed since then.

Apr 18, 2011 01:04 AM #12
Markita Woods NMLS#196099
American Financial Network - Woodbridge, VA
Queen of Mortgages - FHA, VA, Conventional, USDA

Travis I am with you on this and I can feel your passion about it coming through the post. I am sure I have this conversation on a daily basis too :(

Apr 18, 2011 03:04 AM #13
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Travis, in today's market if you really like a home and its a good deal you can bet other buyers also feel the same. 

Apr 18, 2011 03:15 AM #14
Von Richcreek
Crye-Leike, Realtors - Nashville, TN

You always have to consider the source. Listening to the news and friends are often like taking marriage advice form someone that has been divorced several times.

Apr 18, 2011 04:34 AM #15
Sandy Acevedo
951-290-8588 - Chino Hills, CA
RE/MAX Masters, Inland Empire Homes for Sale

Really nice post with good information. And the pics and graphics are nice too.

Apr 18, 2011 05:49 AM #16
Evelyn Kennedy
Alain Pinel Realtors - Alameda, CA
Alameda, Real Estate, Alameda, CA


The fact that buyers and sellers consult us then listen to their friends and neighbors is baffling.  I guess we are not doing a good enough job of developing a relationship with these people so they trust our advice.  We are the professionals and should be the people buyers and sellers go to for advice, not friends and neighbors.  We need better PR.

Apr 18, 2011 05:52 AM #17
David Krushinsky
Dk Home Loans, LLC - Peoria, AZ
AZ MB-0949619 MLO NMLS #202115

I don't know bud... I don't think trust should be a given rather something that is earned.  Many people are skeptical of professionals when they are paid solely on commission because there is always the thought they are "selling" you. 

How many loan officers do you know that tell their clients to not refinance now because rates will improve, or don't buy now because values may still go lower? 

Apr 18, 2011 07:02 AM #18
Arris Robinson
Devstar Realty - Phoenix, AZ

Thanks for taking the time to share your thoughts - I hope that many a homebuyer will see this post and heed your warning! It's never fun having to explain to clients that they simply waited too long and now their decided dream home is no longer available... Funny thing is, they often turn right around and do it again! I find that most individuals I speak to truly believe that the market is "dead" or "slow" or "inactive" but real estate professionals know the market is extremely active! It's nothing short of astonishing how much influence the media generally has over people! (Yet another of the numerous reasons why I don't watch or have television in my household...)

Apr 18, 2011 08:51 AM #19
Travis Wichmann
Amerifirst Financial NMLS # 305427 - Phoenix, AZ

#3 Tamara- Thank You for your Excellent Comment! It is Great to Feel your Appreciation

#4 Brian- Thank you for your Appreciation as well

#5 JodiAnn- Very True! Thank you for Commenting

#6 Tammie- You are Certainly Correct! Rather than trusting words from who knows who- A Trusted Realtor is your #1 Source for this Information.

#7 Patricia- Certainly Happy to hear you Enjoyed. I appreciate you taking the Time to Comment!

#8 Virginia-Absolutely, that is seen all too often! Thank you for your contribution as well!

#9 Christine-That is one of the most important things for us all to Grasp- Is that if we pat ourselves on the Back for being who we are, we must also have the discipline to put ourselves through more training than the Next, stay up later than the next, and Fight Harder and Close Faster than the Next To Ensure Customer Confidence and Trust in us.

#10 Bob- Nice Comment

#11 Anne- Thank you for taking the time to read and Commenting.

#12 Jackie- Very True Jackie! It is always changing and the Media is light years behind- Yes Light years!

#13 Markita- Thank you for your Comment! I am sure you know exactly what is meant by this, and Thank you for Reading all the way through-All the Best to you!

#14 Michael- Most Certainly, to that point-If we see a Gem, chances are at least another 100 Qualified eyes did as well, its just a matter of logistics and Proper timing as to who gets it.

#15 Von- Very Very True! We must REALLY Consider who we decide to claim Truth from, at least now with Internet we can cross check with ease as opposed to just calling loaded references

#16 Sandi Thank you for your Comments as well- I will be sure to keep em comin!

#17 Evelyn- Thank you for Commenting! Agreed, Its a Fine Balance we all must Acquire. To be able to communicate our knowledge, remain kind and courteous, but at the same time Always BE Closing and be the one they think of when it comes to transactions in Real Estate. The Time for Mass Appreciation for Realtors & Loan Officers Alike is just ahead!

#18 Thank you for the Comment Brother- As I certainly Agree that Trust is Earned, but at the same time given- And The Reason I say that is: People just Package up and hand over their trust to Government and Media when the FACT is these organizations are NOT here for our Best Interest, Rather our Containment, so If Trust is given that easily to the Prison Guards, why not give Trust  our Common folk that Work for a living rather than those that Legally Steal (TAX) us in an effort to control more, I say-Trust is Ideally Earned, but for some people that have no one to turn to- who are you going to go to for Real Estate Investment Advice- A Realtor/Loan Officer or some Dude you Drink with on weekends?

Also- as far as us closing Loans- In the Instance of say a rental property- Sure you may pay (Finance) an extra $10,000 than you had to, but If it means you Cash flowed $400/Month for an Extra Year- Id say Its Worth it.

Thank you Again David for your Comment! Best to you~

#19 Arris- Thank You! Although I know for a Fact you will never run into these issues, being that I have had the Pleasure in Working with you and know that your Clients are well Educated of the Industry and what the Market is doing specific to their area of Interest- Thank You for taking Time to Comment as well, It is All Appreciated and will benefit Everyone!


Thank you for taking your Time to Read and the Time to Comment-Make yourself HEARD


Apr 18, 2011 08:56 AM #20
David Krushinsky
Dk Home Loans, LLC - Peoria, AZ
AZ MB-0949619 MLO NMLS #202115

Point well taken Travis.  Great insight.

Apr 18, 2011 10:58 AM #21

The arrogance displayed in this post is truly depressing.

Renters are stupid. Buyers are smart. Don't listen to your friends, siblings, parents who you know have your best interest at heart. Listen to your real estate agent who will tell you now is the time to buy... (did I mention now is a g... and has repeated that message over the last few years as housing prices have fallen off a cliff. Commissions anyone?

Buying a depreciating asset with leverage is the quickest way to financial ruin. Not a message you'll hear from your agent.

Props to David Kushinsky above who has the courage to break with the group think. First-time buyers should use ActiveRain to search out good agents like this who are clearly thinking beyond their commissions.... 

and by the way Travis... when you say that people should listen to real estate agents because: "I Promise it will Pay Dividends, Literally!"... what do you mean?

Apr 18, 2011 01:38 PM #22
Travis Wichmann
Amerifirst Financial NMLS # 305427 - Phoenix, AZ

Happy to Hear from you Mysterious Agent #22 HHB

I wish I could see your Smiling Face as you attempt to throw a wrench in our Display of Positivity-

But Since you remain anonymous, I can only hope you come back to my blog again, which also Pays Dividends as you like to quote as to my SEO rank.

By the way, just because you rent does NOT make you stupid, we all have different endeavors to take on in Life and some have to place Home Ownership on the Back burner, There is No shame in that, although owning Real Estate is Never Bad- and if you think I am Incorrect in saying this, I would then ask you how familiar you are with the term "Short Sale" and being "Resourceful" but I know that must be over the heads of some, Maybe if you spoke with A knowledgeable Real Estate Agent you wouldn't have such a distaste!

As to your Comment~I would love for us all to hear your Profession, So Please do us the Favor and Share:

And Yes, Props to David! Although I am inclined to say your thrill of a potential group break up has been declined, For David is given Props for Being a Great Loan Officer.

And lastly- would you be so kind as to share with us your tale of tales as to how you have managed to gather that many stones and stack them O so Neatly and carefully, and Climb to the top of this structure and Call it a Pedestal to cast judgment upon my post~

I wish it so~ because after all If your not helping people and moving people forward what the Hell use are you!

Thank You again for your Comment HHB, Now If off to Close your neighbor on a Short sale and BUY the Property next to you and put Renters in it for a CASH FLOW!



Apr 18, 2011 04:47 PM #23
Ricky Khamis
Amerifirst Financial, Inc. (NMLS #145368) - Mesa, AZ
NMLS 173141 | CADOC 173141 - 480-339-1565

What an ignorant thing to say (not arrogant) and a coward to hide behind the Blind Comment.  Interesting comment regarding the depreciating asset.  Look at the Forbes 100 and pick out the richest people in the world, what is it based on?

Funny that most of the people renting are saying "i wouldn't buy right now" is because THEY CAN'T BUY! Not because they dont want too. Depreciating Asset.... Too Funny... Buy a 4 bedroom home for 100k with 20,000 down cash flow 400 per month ROI is 24% hmmmm RULE of 72 anyone?!?!?

I agree with David and want to elaborate on his comment "I don't think trust should be a given rather something that is earned " as I see it.  People are quick to trust other people in the profession that they are looking to invest in.  That being said just because a Realtor passed their test, or a lender says they are a "Sr. Loan Officer" doesn't mean they are qualified to dole out advice.  We as a common thread always look for validation from the people we DO TRUST, which is usually our family and friends.  Sometimes, although they have no clue about any market, they have a different perspective maybe we didn't think of at first glance.

When buying a property (rental or otherwise) as a general rule it is a pretty emotional purchase, and being that close to it we dont see that the neighbor is running a meth lab, or the foundation is of the home was poorly laid... etc etc. Then the agent/LO (yes the bad one) only has one thing in mind, their own mortgage/rent and presses the buyer into a bad transaction.  Trust is earned based on accomplishments in my opinion, not based on a book or CD set the "professional" listened too regarding buying homes with no money down.

Great Post Travis.

Apr 19, 2011 06:23 AM #24
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