Wednesday, February 18 th 2PM EST

Size: px
Start display at page:

Download "Wednesday, February 18 th 2PM EST"

Transcription

1 Wednesday, February 18 th 2PM EST

2 1. Create a powerful listing presentation manual 2. Quickly overcome the FSBO objection 3. Successfully price every listing taken 4. Easily convert more seller leads 5. Present yourself as the market expert

3 Create a powerful listing presentation manual

4

5 Enough Trust to Let You Sell possibly the largest asset their family owns Set the correct market value on that asset Set the time schedule for the liquidation of that asset Set the fee for the services required to liquidate that asset

6 Build Rapport BEFORE you even get there!

7 SELLERS MAGAZINE Winter Edition

8 The 2 Biggest Mistakes agents make at the beginning of their listing presentation 1. Bragging about Themselves 2. Bragging about Their Company

9

10

11

12 What are the fundamentals of your company s marketing plan? How do you find and qualify prospective purchasers? What is your company s ability to manage the overall process?

13

14 If you have any previous work experience or industry designations that separate you from other agents now is the time to mention it. If you ve taken a negotiation class in the past and received a certificate for it, take the syllabus or the brochure for the class and make it part of your presentation. If you subscribe to services that help you stay abreast of market conditions, let them know.

15 Building Trust is Crucial Weary of mis information, people are making integrity a new form of competitive advantage More important than ever to building brand equity and differentiation, trust has become a precious commodity. Ford

16

17 FSBOs as a Percentage of all Home Sales The percentage of homes selling as a FSBO has decreased from 19% to 9% in the last 20+ years

18 Typical Sold Price* FSBO vs. Agent $235K $209K By FSBO By AGENT *The typical price is actually the average price in the survey. However, studies have shown that people are more likely to FSBO in markets with lower price points.

19 Where Buyers Find the Home They Purchase Over the Last 10 Years by Percentage The Internet Yard Signs Newspapers

20 % of Buyers who used an Agent NAR

21 FSBOs Must Be Ready to Negotiate Here is a list of some of the people with whom you must be prepared to negotiate: The buyer The buyer s agent The buyer s attorney The home inspection company The termite company The buyer s lender The appraiser The title company The town or municipality The buyer s buyer Your bank (in the case of a short sale)

22 5 Reasons to Hire a Real Estate Professional They help with all disclosures and paperwork necessary in today s heavily regulated environment. They are well educated in and experienced with the entire sales process. They act as a buffer in negotiations with all parties throughout the entire transaction. They help understand today s real estate values when setting the price on a listing or on an offer to purchase. They simply and effectively explain today s real estate headlines and decipher what they mean to you.

23

24 Case Shiller Year-Over-Year PRICE CHANGES S&P Case Shiller 1/2015

25 Home Price Expectation Survey A nationwide panel of over one hundred economists, real estate experts and investment & market strategists.

26 Bubble Recovery To Date Pre-Bubble Average Annual % APPRECIATION Bust Home Price Expectation Survey Q

27 PROJECTED Mean Percentage Appreciation Home Price Expectation Survey Q

28 Easily convert more seller leads

29 Foot Traffic (indicator of future sales)

30 BUYER 3X Greater

31 Months Inventory of HOMES FOR SALE NAR

32 Q: When do most listings come on the market? A: The 2 nd Quarter of each Year

33 2014 Available Inventory in millions Jan Feb Mar Apr May Jun Jul

34 Present yourself as the MARKET EXPERT

35 HOMEOWNERSHIP RATES over the last 30 Years Census

36 Mortgage Rate Projections Quarter Fannie Mae Freddie Mac MBA NAR Average of all four Q 3.9% 3.9% 3.9% 3.8% 3.88% Q 4.0% 4.1% 4.3% 4.0% 4.10% Q 4.1% 4.3% 4.7% 4.3% 4.35% Q 4.2% 4.5% 4.8% 4.7% 4.55% 1/2015

37 Mortgage Rates Freddie Mac 30 Year Fixed Rate Q3 Q4 Q2 Q1 Where Have They Been This Year? Where Are They Going? 2015 Projections

38 RATE Buyer s Purchasing Power 5.25 $ 2,208 $ 2,154 $ 2,098 $ 2,044 $ 1, $ 2,148 $ 2,094 $ 2,040 $ 1,986 $ 1, $ 2,086 $ 2,034 $ 1,982 $ 1,930 $ 1, $ 2,026 $ 1,976 $ 1,926 $ 1,874 $ 1, $ 1,968 $ 1,919 $ 1,869 $ 1,820 $ 1, $ 1,910 $ 1,862 $ 1,814 $ 1,766 $ 1, $ 1,852 $ 1,806 $ 1,760 $ 1,714 $ 1,667 $ 400,000 $ 390,000 $ 380,000 $ 370,000 $ 360, % -5% -7.5% -10% Principal and Interest Payments rounded to the nearest dollar amount.

39 Thank the Mortgage Professional who invited you.

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 2015 EDITION KEEPINGCURRENTMATTERS.COM

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 2015 EDITION KEEPINGCURRENTMATTERS.COM THINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 2015 EDITION KEEPINGCURRENTMATTERS.COM TABLE OF CONTENTS 1 5 REASONS TO SELL NOW 3 THE IMPORTANCE OF USING AN AGENT WHEN SELLING YOUR HOME 4 5 DEMANDS

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2014 EDITION

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2014 EDITION THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2014 EDITION TABLE OF CONTENTS 1 3 4 5 6 7 9 5 REASONS TO SELL NOW EVERYONE AGREES: YOU SHOULD USE AN AGENT FUTURE HOUSE PRICES: A LOOK INTO THE CRYSTAL

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SPRING 2015 EDITION

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SPRING 2015 EDITION SPRING 2015 EDITION THINGS TO CONSIDER WHEN SELLING YOUR HOUSE TABLE OF CONTENTS 1 3 4 6 8 9 10 11 12 13 15 16 5 REASONS TO SELL NOW THE IMPORTANCE OF USING AN AGENT WHEN SELLING YOUR HOME 5 DEMANDS TO

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE KEEPINGCURRENTMATTERS.COM

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE KEEPINGCURRENTMATTERS.COM THINGS TO CONSIDER WHEN SELLING YOUR HOUSE FALL 2013 edition TABLE OF CONTENTS 1 3 Thinking of selling your house? 5 reasons to do it now House Pricing is still about supply and demand 4 selling a home?

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2015 EDITION

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2015 EDITION THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2015 EDITION TABLE OF CONTENTS 1 5 REASONS TO SELL NOW 3 THE IMPORTANCE OF USING AN AGENT WHEN SELLING YOUR HOME 4 SELLING YOUR HOUSE? PRICE IT RIGHT FROM

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE. Spring 2016 EDITION

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE. Spring 2016 EDITION Spring 2016 EDITION THINGS TO CONSIDER WHEN SELLING YOUR HOUSE TABLE OF CONTENTS 1 3 4 5 REASONS TO SELL NOW LACK OF LISTINGS SLOWING DOWN THE HOUSING MARKET HOME EQUITY: YOU MAY HAVE MORE THAN YOU THINK

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE. Call for more Information: 303-847-1868 WINTER 2015 EDITION

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE. Call for more Information: 303-847-1868 WINTER 2015 EDITION THINGS TO CONSIDER WHEN SELLING YOUR HOUSE Call for more Information: 303-847-1868 WINTER 2015 EDITION TABLE OF CONTENTS 1 5 REASONS TO SELL NOW 3 HOW TO GET THE MOST MONEY FROM THE SALE OF YOUR HOME 5

More information

Apartment Tool Kit How to Get People to Your Seminars. Copyright 2007-Karen Deis

Apartment Tool Kit How to Get People to Your Seminars. Copyright 2007-Karen Deis Apartment Tool Kit How to Get People to Your Seminars. Copyright 2007-Karen Deis Welcome to the apartment tool kit website and an interview on how to give an awesome 1 st time home buyer seminar and get

More information

Business Planning. Agent Business Plan 2007

Business Planning. Agent Business Plan 2007 Business Planning Most agents choose real estate as a career because they want to make more money and have more time. However, most agents when they first start out in the business take a serious cut in

More information

Lesson 15: Closing Real Estate Transactions

Lesson 15: Closing Real Estate Transactions 1 Real Estate Principles of Georgia Lesson 15: Closing Real Estate Transactions 2 Closing Closing: Final stage in real estate transaction. Also called settlement. Buyer pays seller; seller transfers title

More information

Working With FSBO s An Untapped Market! Karen Deis, President, Foundation Marketing, Karen@LoanOfficerSeminars.com Why the FSBO Niche? You are missing 1/3 of the market 2 nd Time Home Buyer Higher Loan

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE EDITION

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE EDITION THINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 201 EDITION TABLE OF CONTENTS 1 5 REASONS TO SELL NOW 3 HOW TO GET THE MOST MONEY FROM THE SALE OF YOUR HOME 5 DON T WAIT! MOVE UP TO THE HOUSE YOU ALWAYS

More information

How To Close A House On A Mortgage

How To Close A House On A Mortgage Coming to Grips With Settlement Coming to Grips With Settlement What to Know Before Your Closing The closing, also known as the settlement, is the last step in getting your mortgage and actually becoming

More information

Buyer s Guide BASIC INFORMATION:

Buyer s Guide BASIC INFORMATION: Buyer s Guide Buying an apartment in NYC can be overwhelming. Our Buyer s Guide provides useful information that can help you familiarize yourself with the process. BASIC INFORMATION: Financing: Find out

More information

Five Things Your Listing Presentation is Missing

Five Things Your Listing Presentation is Missing Five Things Your Listing Presentation is Missing In today's market, competition for listings is fierce and seller expectations are high. In this webinar, we'll show you ways to make your listing presentation

More information

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2016 EDITION

THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2016 EDITION THINGS TO CONSIDER WHEN SELLING YOUR HOUSE SUMMER 2016 EDITION TABLE OF CONTENTS 1 3 5 REASONS TO SELL THIS SUMMER HOW TO GET THE MOST MONEY FROM THE SALE OF YOUR HOME 5 LACK OF LISTINGS SLOWING DOWN THE

More information

Tracking Real Estate Market Conditions Using the HousingPulse Survey

Tracking Real Estate Market Conditions Using the HousingPulse Survey Tracking Real Estate Market Conditions Using the HousingPulse Survey May 2011 Copyright 2011 Campbell Communications, Inc. Tracking Real Estate Market Conditions Using the HousingPulse Survey May 2011

More information

Understanding the Limitations of For Sale By Owner

Understanding the Limitations of For Sale By Owner Coldwell Banker Burnet Understanding the Limitations of For Sale By Owner Presented by: Ken Tibesar Licensed Realtor Sales Agent MENU What does For-Sale-by-Owner mean? Doing by yourself for the first time

More information

COPY MERRILL CORPORATION

COPY MERRILL CORPORATION MERRILL CORPORATION 4100 CLEARWATER ROAD, ST. CLOUD, MN 56301 PHONE: (320) 656-5000 (320) 656-5163 COPY PROJECT: Century 21 Customized Marketing System/FSBO Booklet, FINAL DRAFT COPYWRITER: Julie J. Severson,

More information

Settlement. Coming to Grips With. What to Know before Your Closing. The Event. What Is Closing?

Settlement. Coming to Grips With. What to Know before Your Closing. The Event. What Is Closing? Coming to Grips With Settlement What to Know before Your Closing The closing, or settlement, is the last step in getting your mortgage and actually becoming the owner of your new home. You ll probably

More information

Title Insurance: Protecting Your Piece of the Planet

Title Insurance: Protecting Your Piece of the Planet Title Insurance: Protecting Your Piece of the Planet In today s active real estate market, there are often many questions surrounding the costs of buying, selling and refinancing a home or property. Whether

More information

FOR SALE BY OWNER (FSBO) TRANSACTION GUIDE

FOR SALE BY OWNER (FSBO) TRANSACTION GUIDE FOR SALE BY OWNER (FSBO) TRANSACTION GUIDE For Sale By Owner Steps to Selling your Home PREPARE YOUR HOME FOR SALE Once you decide it is the right time to sell your home, you ll want to be sure the house

More information

THINGS TO CONSIDER WHEN BUYING A HOME. For more Information: 303-847-1868 WINTER 2015 EDITION

THINGS TO CONSIDER WHEN BUYING A HOME. For more Information: 303-847-1868 WINTER 2015 EDITION THINGS TO CONSIDER WHEN BUYING A HOME For more Information: 303-847-1868 WINTER 2015 EDITION 1 3 4 5 6 7 8 9 10 11 12 13 14 15 16 18 19 20 TABLE OF CONTENTS 4 REASONS TO BUY A HOME NOW! YOU NEED A PROFESSIONAL

More information

Kody & Company, Inc. Real Estate Specialists 60 Ashland St. North Andover, MA. 01845 Ph. 978-686-1954 Fax 978-686-1413 www.kodyco.

Kody & Company, Inc. Real Estate Specialists 60 Ashland St. North Andover, MA. 01845 Ph. 978-686-1954 Fax 978-686-1413 www.kodyco. Kody & Company, Inc. Real Estate Specialists 60 Ashland St. North Andover, MA. 01845 Ph. 978-686-1954 Fax 978-686-1413 www.kodyco.com Buyer Book Agency Relationship Preparing for Home Ownership Assessing

More information

Real estate terms and definitions

Real estate terms and definitions Real estate terms and definitions Annual Percentage Rate (APR): The total yearly cost of a mortgage as expressed by the actual rate of interest paid. The APR includes the base interest rate, points and

More information

The 4 Ways You Can. When A Realtor Can t Do The Job

The 4 Ways You Can. When A Realtor Can t Do The Job The 4 Ways You Can Sell Your Home When A Realtor Can t Do The Job Table Of Contents: 1. Selling Your Home Fast. 2. Home Selling Guidelines 3. Is It A Good Idea To Sell The Home Yourself? 4. Marketing Your

More information

Is now a good time to refinance?

Is now a good time to refinance? Is now a good time to refinance? Our Business Is The American Dream At Fannie Mae, we are in the American Dream business. Our Mission is to tear down barriers, lower costs, and increase the opportunities

More information

Steven Young, Jr's. REAL ESTATE REPORT WINTER 2015

Steven Young, Jr's. REAL ESTATE REPORT WINTER 2015 Steven Young, Jr's. REAL ESTATE REPORT WINTER 2015 Steven Young, Jr's Real Estate Report PAGE 1 INDUSTRY FACTS MEDIAN DAYS ON THE MARKET: 56 Days in September 2014 Existing home sales in September increased

More information

Owners.com CHECKLIST. Field Guide to Selling Your Home FSBO

Owners.com CHECKLIST. Field Guide to Selling Your Home FSBO Owners.com Field Guide to Selling Your Home FSBO Owners.com s complete, simple field guide to understand home prep, the selling process, marketing your home and closing the sale. Avoid Costly Mistakes

More information

HOMEBUYER S MORTGAGE GUIDE

HOMEBUYER S MORTGAGE GUIDE WWW.WINTRUSTMORTGAGE.COM WINTRUST.COM/MYHOME HOMEBUYER S MORTGAGE GUIDE HELPFUL INFORMATION ABOUT THE MORTGAGE PROCESS TO GUIDE YOU AS YOU PURCHASE YOUR NEW HOME. www.wintrust.com/myhome WHY WINTRUST?

More information

CONSUMER HANDBOOK ON ADJUSTABLE RATE MORTGAGES

CONSUMER HANDBOOK ON ADJUSTABLE RATE MORTGAGES CONSUMER HANDBOOK ON ADJUSTABLE RATE MORTGAGES Federal Reserve Board Office of Thrift Supervision This booklet was originally prepared in consultation with the following organizations: American Bankers

More information

REAL ESTATE REPORT 3RD QUARTER 2015 SOURCES: BUFFINI & COMPANY,

REAL ESTATE REPORT 3RD QUARTER 2015 SOURCES: BUFFINI & COMPANY, REAL ESTATE REPORT 3RD QUARTER 2015 SOURCES: BUFFINI & COMPANY, INDUSTRY FACTS MEDIAN DAYS ON THE MARKET: 39 Days in April 2015 vs. Home sales in April reached a seasonally adjusted rate of 5.04 million,

More information

Homeownership in the Inland Empire Past, Present, and Future. Brought to you by:

Homeownership in the Inland Empire Past, Present, and Future. Brought to you by: Homeownership in the Inland Empire Past, Present, and Future Brought to you by: The Real Estate Roller Coaster The Subject : The Average Home The Date : July 2002 The Place : Total Monthly Sales: 419 Riverside

More information

COMPARISON OF FIXED & VARIABLE RATES (25 YEARS) CHARTERED BANK ADMINISTERED INTEREST RATES - PRIME BUSINESS*

COMPARISON OF FIXED & VARIABLE RATES (25 YEARS) CHARTERED BANK ADMINISTERED INTEREST RATES - PRIME BUSINESS* COMPARISON OF FIXED & VARIABLE RATES (25 YEARS) 2 Fixed Rates Variable Rates FIXED RATES OF THE PAST 25 YEARS AVERAGE RESIDENTIAL MORTGAGE LENDING RATE - 5 YEAR* (Per cent) Year Jan Feb Mar Apr May Jun

More information

COMPARISON OF FIXED & VARIABLE RATES (25 YEARS) CHARTERED BANK ADMINISTERED INTEREST RATES - PRIME BUSINESS*

COMPARISON OF FIXED & VARIABLE RATES (25 YEARS) CHARTERED BANK ADMINISTERED INTEREST RATES - PRIME BUSINESS* COMPARISON OF FIXED & VARIABLE RATES (25 YEARS) 2 Fixed Rates Variable Rates FIXED RATES OF THE PAST 25 YEARS AVERAGE RESIDENTIAL MORTGAGE LENDING RATE - 5 YEAR* (Per cent) Year Jan Feb Mar Apr May Jun

More information

A Strategic Approach to Residential Mortgage Lending

A Strategic Approach to Residential Mortgage Lending A Strategic Approach to Residential Mortgage Lending Presented by Tracy Jean Ashfield Strategic Mortgage Solutions The Consulting and Training Division of Prime Alliance Solutions, Inc. October 19, 2009

More information

GLOSSARY COMMONLY USED REAL ESTATE TERMS

GLOSSARY COMMONLY USED REAL ESTATE TERMS GLOSSARY COMMONLY USED REAL ESTATE TERMS Adjustable-Rate Mortgage (ARM): a mortgage loan with an interest rate that is subject to change and is not fixed at the same level for the life of the loan. These

More information

How to Sell Your House Fast

How to Sell Your House Fast How to Sell Your House Fast If you are reading this report then you are interested in selling your house as fast as you possibly can. Usually this is because you are in foreclosure, are behind on payments

More information

Tips for First Time Home Buyers

Tips for First Time Home Buyers Tips for First Time Home Buyers Thinking about buying your first home? Andrew L. Jaloza & Associates will help you understand the process of home ownership so you can make informed decisions about your

More information

HOMEOWNERSHIP TIPS. In honor of June Homeownership month in Illinois, we posted daily tips. For your benefit, we have consolidated the list here.

HOMEOWNERSHIP TIPS. In honor of June Homeownership month in Illinois, we posted daily tips. For your benefit, we have consolidated the list here. HOMEOWNERSHIP TIPS In honor of June Homeownership month in Illinois, we posted daily tips. For your benefit, we have consolidated the list here. The home buying process might seem complicated or unmanageable.

More information

22. What amount is the buyer debited for the real estate taxes? A) $666.67 B) $1,600 C) $933.33 D) $133.33

22. What amount is the buyer debited for the real estate taxes? A) $666.67 B) $1,600 C) $933.33 D) $133.33 Name: Date: 1. Norman agrees to purchase Gusela's property for $185,500. He deposits the purchase price with Vincent, and Gusela deposits a warranty deed for the property with Vincent. Vincent is instructed

More information

MARKETING PRESENTATION

MARKETING PRESENTATION MARKETING PRESENTATION www.morrisonresidential.com REDEFINING SERVICE IN REAL ESTATE Selling a home in today s market can be challenging - the Morrison Residential Team understands that. While the market

More information

Condominium Financing: FHA Rule Change Controversy

Condominium Financing: FHA Rule Change Controversy Condominium Financing: Clifford Hockley, President, Bluestone & Hockley Real Estate Services Source: RMLS Condominium developers built more condominiums than the market could absorb from 2006-2009. They

More information

The Obama Administration s Efforts To Stabilize the Housing Market and Help American Homeowners

The Obama Administration s Efforts To Stabilize the Housing Market and Help American Homeowners The Obama Administration s Efforts To Stabilize the Housing Market and Help American Homeowners March 2015 U.S. Department of Housing and Urban Development Office of Policy Development and Research U.S

More information

Most Buyers. Contacting You. Get the. 15 Tips for More Leads from Your Existing Marketing using Buyer Assist by Realtor.com

Most Buyers. Contacting You. Get the. 15 Tips for More Leads from Your Existing Marketing using Buyer Assist by Realtor.com Get the Most Buyers Contacting You 15 Tips for More Leads from Your Existing Marketing using Buyer Assist by Realtor.com Buyer Assist by REALTOR.com 1 8 million consumers visit REALTOR.com every month.

More information

Homebuyer Education: What You Need to Know

Homebuyer Education: What You Need to Know Homebuyer Education: What You Need to Know Today s Objectives Prepare your finances for home ownership Steps to mortgage prequalification Shopping for a home- who are the major players? Choosing the correct

More information

Valuation for Mortgage Lending in North America and Lessons for Europe. Presented to The European Group of Valuers Associations Berlin -- April 2015

Valuation for Mortgage Lending in North America and Lessons for Europe. Presented to The European Group of Valuers Associations Berlin -- April 2015 Valuation for Mortgage Lending in North America and Lessons for Europe Presented to The European Group of Valuers Associations Berlin -- April 2015 Home Ownership in the U.S. 14% of the U.S. population

More information

Fin 5413: Chapter 8 Mortgage Underwriting

Fin 5413: Chapter 8 Mortgage Underwriting Fin 5413: Chapter 8 Mortgage Underwriting Some Basic Mortgage Underwriting Questions Who should you grant a loan to? How do we determine the appropriate interest rate for a loan? What is the maximum dollar

More information

Mortgage- and Lender-Related Settlement Costs. Charges for Establishing and Transferring Ownership. Amounts Paid to State and Local Governments

Mortgage- and Lender-Related Settlement Costs. Charges for Establishing and Transferring Ownership. Amounts Paid to State and Local Governments Mortgage- and Lender-Related Settlement Costs Charges for Establishing and Transferring Ownership Amounts Paid to State and Local Governments "All-in-One" Pricing of Settlement Costs Estimates of Settlement

More information

Buying a Home. 2012 Page 1 of 6, see disclaimer on final page

Buying a Home. 2012 Page 1 of 6, see disclaimer on final page Buying a Home Page 1 of 6, see disclaimer on final page Buying a Home What is it? Finding the right home to buy can be a challenging prospect, but knowing what to expect can make the process easier. You

More information

How To Close On A Home In The United States

How To Close On A Home In The United States The Smart Consumer s Guide to Reducing Closing Costs When buying, selling or refinancing a home TABLE OF CONTENTS An Introduction to Closing Costs... 4 The Closing Process Begins with a Good Faith Estimate...

More information

HomeStreet Bank s. Preferred Builder Program

HomeStreet Bank s. Preferred Builder Program HomeStreet Bank s Preferred Builder Program Company Overview Key Facts and Statistics Oldest Fannie Mae Relationship in the United States HomeStreet, Inc. (NASDAQ:HMST) is a diversified financial services

More information

How Do I Qualify for a Loan?

How Do I Qualify for a Loan? The three primary things a lender considers when approving a loan are: Credit - do you have a history of paying your bills? Income - do you earn enough to afford the mortgage payments? Assets - do you

More information

WHAT ARE YOUR RATIOS?

WHAT ARE YOUR RATIOS? WHAT ARE YOUR RATIOS? 1. Last year I went on ( ) listing appointments. 2. Last year I listed ( ) properties. 3. Last year I sold ( ) listings. 4. Now divide #3 by #1 ( ). This will give you your closing

More information

The Obama Administration s Efforts To Stabilize The Housing Market and Help American Homeowners

The Obama Administration s Efforts To Stabilize The Housing Market and Help American Homeowners The Obama Administration s Efforts To Stabilize The Housing Market and Help American Homeowners July 2014 U.S. Department of Housing and Urban Development Office of Policy Development and Research U.S

More information

Waging War on Real Estate s Discounters By Bernice L. Ross, CEO, RealEstateCoach.com

Waging War on Real Estate s Discounters By Bernice L. Ross, CEO, RealEstateCoach.com Waging War on Real Estate s Discounters By Bernice L. Ross, CEO, RealEstateCoach.com During today s session, you will learn: 1. Ten strategies to combat commission compression 2. How to create your personal

More information

The. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503

The. Path. Refinancing. www.totalmortgage.com October. totalmortgage.com 877-868-2503 The Path Refinancing totalmortgage.com 877-868-2503 www.totalmortgage.com October 1 2012 The Path Refinancing Over time, many things change and need adjustment, and the reality is your home financing is

More information

Home Purchase Price $100,000 Qualified Mortgage Amount 30 Yr Term Fixed rate 5.5%

Home Purchase Price $100,000 Qualified Mortgage Amount 30 Yr Term Fixed rate 5.5% NSP II Assistance Amount Determination and Certification. The total of the loan amount the mortgage lender qualified you for, plus the NSP2 amount you qualified for, are used to purchase a home placed

More information

Adjustment Date - The date on which the interest rate changes for an adjustable-rate mortgage (ARM).

Adjustment Date - The date on which the interest rate changes for an adjustable-rate mortgage (ARM). Glossary A Adjustable Rate Mortgage - An adjustable rate mortgage, commonly referred to as an ARM, is a loan type that allows the lender to adjust the interest rate during the term of the loan. Generally,

More information

CDLP Self Study Guide

CDLP Self Study Guide Dear CDLP Candidate: Congratulations on your commitment to elevate your level of professionalism in the divorce lending market by taking the CDLP certification test. The Divorce Lending Association is

More information

How Selling Your House To A Real Estate Investor Stacks Up Against Your Other Options

How Selling Your House To A Real Estate Investor Stacks Up Against Your Other Options How Selling Your House To A Real Estate Investor Stacks Up Against Your Other Options Pros, cons, costs, and timeline of each option So, you need to sell your house. Selling in a market like today s can

More information

The Obama Administration s Efforts To Stabilize the Housing Market and Help American Homeowners

The Obama Administration s Efforts To Stabilize the Housing Market and Help American Homeowners The Obama Administration s Efforts To Stabilize the Housing Market and Help American Homeowners February 2015 U.S. Department of Housing and Urban Development Office of Policy Development and Research

More information

Guide to Purchasing a Home

Guide to Purchasing a Home Your journey to homeownership starts at your credit union. Purchasing your first home is a big decision, and it may even seem overwhelming. Rest assured Beacon Credit Union is here to assist you in understanding

More information

Selling To A Real Estate Investor

Selling To A Real Estate Investor Selling To A Real Estate Investor Learn How to Sell l Your House Fast and in AS IS condition We Buy Houses Fast & in as is Condition Office: 617-860-2782 3 Options to Sell Your Home for Maximum Speed and

More information

MBS in 2013: More of the same, with a slight twist

MBS in 2013: More of the same, with a slight twist 213 MBS in 213: More of the same, with a slight twist Jason Callan, Senior Portfolio Manager Agency mortgage-backed securities (MBS) should continue to offer an attractive risk-adjusted return opportunity

More information

Why sell with Bean Group?

Why sell with Bean Group? Why sell with Bean Group? Let's face it. Every REALTOR would love for you to "list your house" with them, but not every REALTOR is up to the task of properly marketing your property. With thousands of

More information

The Obama Administration s Efforts To Stabilize The Housing Market and Help American Homeowners

The Obama Administration s Efforts To Stabilize The Housing Market and Help American Homeowners The Obama Administration s Efforts To Stabilize The Housing Market and Help American Homeowners June 2013 U.S. Department of Housing and Urban Development Office of Policy Development Research U.S Department

More information

First Time Home Buyer Glossary

First Time Home Buyer Glossary First Time Home Buyer Glossary For first time home buyers, knowing and understanding the following terms are very important when purchasing your first home. By understanding these terms, you will make

More information

lesson three buying a home overheads

lesson three buying a home overheads lesson three buying a home overheads the home-buying process phase 1: determine home ownership needs What type of housing should I (we) buy? How much can I (we) afford to spend? phase 2: locate and evaluate

More information

Gulf Coast Florida Association of Mortgage Professionals Pinellas REALTOR Organization (PRO)

Gulf Coast Florida Association of Mortgage Professionals Pinellas REALTOR Organization (PRO) Presented By: Pam Marron Sponsored By: Gulf Coast Florida Association of Mortgage Professionals Pinellas REALTOR Organization (PRO) Pam Marron Innovative Mortgage Services, Inc., NMLS#246438 GulfCoast

More information

AT&T Global Network Client for Windows Product Support Matrix January 29, 2015

AT&T Global Network Client for Windows Product Support Matrix January 29, 2015 AT&T Global Network Client for Windows Product Support Matrix January 29, 2015 Product Support Matrix Following is the Product Support Matrix for the AT&T Global Network Client. See the AT&T Global Network

More information

Analysis One Code Desc. Transaction Amount. Fiscal Period

Analysis One Code Desc. Transaction Amount. Fiscal Period Analysis One Code Desc Transaction Amount Fiscal Period 57.63 Oct-12 12.13 Oct-12-38.90 Oct-12-773.00 Oct-12-800.00 Oct-12-187.00 Oct-12-82.00 Oct-12-82.00 Oct-12-110.00 Oct-12-1115.25 Oct-12-71.00 Oct-12-41.00

More information

PMI-Agencies and Plans

PMI-Agencies and Plans Mortgage Insurance Premium PMI-Agencies and Plans MIP means Mortgage Insurance Premium. This is the amount a borrower pays to insure the lender against loss. This premium is totally for the benefit of

More information

This booklet was initially prepared by the Board of Governors of the Federal Reserve System. The Consumer Financial Protection Bureau (CFPB) has made

This booklet was initially prepared by the Board of Governors of the Federal Reserve System. The Consumer Financial Protection Bureau (CFPB) has made This booklet was initially prepared by the Board of Governors of the Federal Reserve System. The Consumer Financial Protection Bureau (CFPB) has made technical updates to the booklet to reflect new mortgage

More information

C. Buyer lead generation online IDX integration vs. MLS, automatic updates, accessibility

C. Buyer lead generation online IDX integration vs. MLS, automatic updates, accessibility Lead Generation I. Internet ideas to help your Rainmaker generate more business A. Email/Video B. Blogging/personal website C. Buyer lead generation online IDX integration vs. MLS, automatic updates, accessibility

More information

Historically, housing Leads us into the recession and historically, housing leads us out of the recession.

Historically, housing Leads us into the recession and historically, housing leads us out of the recession. Institute for Economic Development & Real Estate Research 214 Economic Outlook & Real Estate Forecast Information provided by the LATTER & BLUM Research Division Historically, housing Leads us into the

More information

Financial Planning for a Home of Your Own

Financial Planning for a Home of Your Own Financial Planning for a Home of Your Own FAMILY PLANNING EDUCATION INVESTMENT RETIREMENT SAVING EQUITY FAMILY PLANNING EDUCATION INVESTMENT RETIREMENT SAVING EQUITY FAMILY PLANNING EDUCATION INVESTMENT

More information

What is a home equity line of credit?

What is a home equity line of credit? More and more lenders are offering home equity lines of credit. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you please, at an interest

More information

Buying Your First Home

Buying Your First Home About Northwest Federal Credit Union Not For Profit Federally Insured In existence for over 68 years Local Lender based in Herndon, VA Additional branches located in Leesburg, Chantilly, Vienna, Manassas,

More information

The GSEs Are Helping to Stabilize an Unstable Mortgage Market

The GSEs Are Helping to Stabilize an Unstable Mortgage Market Update on the Single-Family Credit Guarantee Business Rick Padilla Director, Corporate Relations & Housing Outreach The Changing Economy: The New Community Lending Environment June 1, 29 The GSEs Are Helping

More information

Short sale guide. Your guide to the Wells Fargo Short Sale Process

Short sale guide. Your guide to the Wells Fargo Short Sale Process Short sale guide Your guide to the Wells Fargo Short Sale Process The Wells Fargo Short Sale Process We re pleased to have the opportunity to work with you on potential short sale properties. If you re

More information

HOME BUYING MADE EASY. Live the dream of owning your own home.

HOME BUYING MADE EASY. Live the dream of owning your own home. HOME BUYING MADE EASY Live the dream of owning your own home. sm Getting started For most of us, buying our first home is a dream come true. It s also a lengthy process where potential and sometimes very

More information

Seller and Buyer must agree to use our Preferred Settlement Attorney for closing. Happy Buying and Selling the FSBO Way.

Seller and Buyer must agree to use our Preferred Settlement Attorney for closing. Happy Buying and Selling the FSBO Way. 2714 Virginia Beach Blvd. Virginia Beach, VA 23452 gary@tidewaterfsbo.com Phone: (757)463-1104 Fax: (757)463-6318 The Seller and Buyer need to go through the attached packet and fill in the information.

More information

Reverse Mortgage Guide. for Adult Children. Reverse Mortgage. for Purchase Guide

Reverse Mortgage Guide. for Adult Children. Reverse Mortgage. for Purchase Guide Reverse Mortgage Guide for Adult Children Reverse Mortgage for Purchase Guide Table of Contents 3. Introduction 4. Why Use a Reverse Mortgage to Purchase a Home? 1 - Customer with Limited Financing Options

More information

-17.7%, year-over-year +22.6%, month-over-month. ARMLS STAT - April 9, 2014 MONTHLY SALES ARMLS STAT APRIL 2014

-17.7%, year-over-year +22.6%, month-over-month. ARMLS STAT - April 9, 2014 MONTHLY SALES ARMLS STAT APRIL 2014 ARMLS STAT - April 9, 2014 MONTHLY SALES -17.7%, year-over-year +22.6%, month-over-month 1 Permission is granted to reprint with a ribu on to ARMLS COPYRIGHT 2014. NEW INVENTORY +8.8%, year-over-year +8.8%,

More information

with many other agencies and trade and consumer groups. It is designed to help consumers

with many other agencies and trade and consumer groups. It is designed to help consumers Consumer Handbook on Adjustable Rate Mortgages (ARM) 1 The Federal Reserve Board and the Office of Thrift Supervision prepared this booklet on adjustable-rate mortgages (ARMs) in response to a request

More information

How Selling Your House To A Real Estate Investor Stacks Up Against Your Other Options

How Selling Your House To A Real Estate Investor Stacks Up Against Your Other Options How Selling Your House To A Real Estate Investor Stacks Up Against Your Other Options Pros, cons, costs, and timeline of each option So, you need to sell your house. Selling in a market like today s can

More information

Tips for Homebuyers: Working with Agents & Lenders

Tips for Homebuyers: Working with Agents & Lenders Tips for Homebuyers: Working with Agents & Lenders by The Connecticut Department of Consumer Protection and The Connecticut Housing Finance Authority What to Know Before You Buy CONNECTICUT DEPARTMENT

More information

Contact Information Type Company/First Name Last Name Email Phone Title Ownership Ind Sparky Doodle john@comergence.com 5555555555 100%

Contact Information Type Company/First Name Last Name Email Phone Title Ownership Ind Sparky Doodle john@comergence.com 5555555555 100% Application Information Application Type Closed Loan Seller Appying To Matador Mortgage Corp Account Executive Marky Mark Company Information Regulatory Alaska USA Mortgage Company, LLC Sparky Corp, LLC

More information

The 10 Most Costly Mistakes You Can Make When Selling Your Home

The 10 Most Costly Mistakes You Can Make When Selling Your Home The 10 Most Costly Mistakes You Can Make When Selling Your Home When you are getting ready to put your property on the market, there is a myriad of things to think about, to prepare for and to organize.

More information

Owner Title Insurance

Owner Title Insurance Owner Title Insurance How it protects your equity Buying a home? Speak with an attorney. Your title may have some very expensive strings attached. Just imagine, you close on your new home. You move in.

More information

What Will Keep Me From Getting A Mortgage Right Now?

What Will Keep Me From Getting A Mortgage Right Now? What Will Keep Me From Getting A Mortgage Right Now? Why can t I get a mortgage? Why was my mortgage application denied? What s keeping me from getting a mortgage right now? Page 2 of 11 What Will Keep

More information

Step 1: Decide to Buy

Step 1: Decide to Buy Step 1: Decide to Buy Do you really want to pay someone else's mortgage? If you re renting and have a stable job with some savings, and a credit score in the high 600 range, you can likely qualify for

More information

Actions to Take Before Buying a Home Today

Actions to Take Before Buying a Home Today Actions to Take Before Buying a Home Today As the housing downturn has shown, homeownership is about more than buying a home you have to make sure you can keep the home over the long term. If you re thinking

More information

Hedging Foreign Exchange Rate Risk with CME FX Futures Canadian Dollar vs. U.S. Dollar

Hedging Foreign Exchange Rate Risk with CME FX Futures Canadian Dollar vs. U.S. Dollar Hedging Foreign Exchange Rate Risk with CME FX Futures Canadian Dollar vs. U.S. Dollar CME FX futures provide agricultural producers with the liquid, efficient tools to hedge against exchange rate risk

More information

Fast Start. Prospecting for Business and Open Houses. Fast Start

Fast Start. Prospecting for Business and Open Houses. Fast Start Prospecting for Business and Open Houses Fast Start Conversational Prospecting The Seven Second Presentation Will you do me a favor? I d like you to keep my card, and when you meet someone interested in

More information

KELLER WILLIAMS REALTY 7Reasons Why Now is a. Great Time to Buy. a Home! A Smart Buyer s Guide to Seizing the Market

KELLER WILLIAMS REALTY 7Reasons Why Now is a. Great Time to Buy. a Home! A Smart Buyer s Guide to Seizing the Market KELLER WILLIAMS REALTY 7Reasons Why Now is a Great Time to Buy a Home! A Smart Buyer s Guide to Seizing the Market It s Prime Time! to buy a home No doubt you ve heard the news: the housing market hit

More information

Lesson 13: Applying for a Mortgage Loan

Lesson 13: Applying for a Mortgage Loan 1 Real Estate Principles of Georgia Lesson 13: Applying for a Mortgage Loan 2 Choosing a Lender Types of lenders Types of lenders include: savings and loans commercial banks savings banks credit unions

More information

HOMESTYLE RENOVATION. Look at the possibilities

HOMESTYLE RENOVATION. Look at the possibilities HOMESTYLE RENOVATION Look at the possibilities HOMESTREET: WHO ARE WE? Based in the Northwest, HomeStreet Bank if one of the largest community banks in the Northwest and Hawaii. HomeStreet began in 1921

More information

6 SECRETS TO SELLING YOUR HOUSE QUICKLY AND EASILY WITHOUT PAYING A COMMISSION

6 SECRETS TO SELLING YOUR HOUSE QUICKLY AND EASILY WITHOUT PAYING A COMMISSION 6 SECRETS TO SELLING YOUR HOUSE QUICKLY AND EASILY WITHOUT PAYING A COMMISSION A Free Consumer Guide In this report, you will discover: The Top 5 Things Real Estate Agents Don t Want You to Know 3 Easy

More information