Category Archives: Uncategorized

We all have a tendency to go with what we know or what we believe is the best way.  We consider ourselves pretty open-minded about many things and there are those few things that are non-negotiable.   Yet when it comes to selling one of, if not, the largest asset we own, we focus on only […]

Option A is my definition of the traditional conforming sale of real estate that every active real estate agent is familiar with. The following is a general outline of Option A.   List the Property For Sale on the MLS Showings and receive offers Present offers to Seller which include loan preapproval or loan commitment The […]

I am starting this article with a request.  Please send me your turndowns.  Consider that if you could close one more customer either annually, quarterly, monthly, or weekly by sending me your turndown, what would that do for your success? You have spent the time, money, and effort to locate a possible home buyer or […]

Let me start by stating NEVER BUY A PROPERTY WITHOUT TITLE INSURANCE. First, we need to define Title Insurance.  Title insurance policy is issued to protect the new owner and at times the lender from what are called “title defects”.  Title defects are any rights, liens, or obligations that are against the title/ownership of a […]

Although Employment and Income may sound like it is one item there is a significant difference between the two and what is communicated to an Underwriter (this is the person that approves or denies your loan). When Employment is considered in a loan analysis, the underwriter is looking for employment stability.  This is determined by […]

Hello, After over 30 years of working with customers, I have found that CIA (Credit, Income, and Assets) are still not clearly understood and how they are considered in approving a loan.  I will address them as concisely as possible here. Credit:  As seen by the mortgage industry, credit is a reflection of the likelihood […]

How do you get your listing from good to great? You take your shot… And then you take it again. I’m talking about pictures! As a real estate investor, I’m always surprised by the photos that agents, or other investors, choose to include with their property listings. Dirty mirrors, pet food bowls, and broken swing […]

Before finding your why, building a business is just work… But once you find your WHY, the work has purpose. Around here, we talk a lot about finding freedom. For some people, freedom is their why. They just want to be free of many different things… their job, their boss, their time deficit, their financial restrictions. But for most people, finding freedom […]

A homeowner’s association (HOA) is an organization created by a real estate developer to maintain the shared areas of a housing development, such as pools or landscaping. How is a Homeowner’s Association Funded? A HOA is typically funded by the payments of dues known as homeowner’s association fees, which are typically collected on a monthly […]