OK, today we’re going to do something a little different. Regardless of what you want to accomplish in life, there is ONE critical ingredient to your success that you can’t ignore. In fact, it’s the “secret sauce” that separates the world’s GREAT ACHIEVERS from all the rest.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

If you know anyone who is currently going through a divorce, please share this important email with them. They'll be glad you did. :)After all, deciding on how to deal with the break-up of the family home can be the most intimidating and potentially devastating part of ending a marriage.What is needed most during this uncertain and confusing time is some unemotional, straightforward information and advice.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Are you planning on setting aside extra savings in the near future?When you’re building savings for a long-term goal like retirement or education, keep in mind the tax implications of your investment.If you’re earning bank interest, you pay income tax on that interest. But if you invest in stocks that pay a dividend, you can reduce taxes and keep more money for financial goals.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

If money's a bit tight right now, here are six tips for empowering yourself to create a breakthrough.If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Ok, today we are going to talk about saving for a down payment and how to know when you can afford to buy a home. Experts say the cheapest, most efficient way to buy a house is to make a 20% down payment. But today, that’s a huge amount of money! Here are 4 factors to consider when determining if you can afford to buy. If you're looking for a top-notch mortgage banker in Henderson, call us at (702) 612-0822.

Many of the world’s wealthiest people got that way by investing in real estate. But it’s difficult to come up with the hefty 20% down payment required to buy an investment property. Here are 6 ways to make investing in real estate more affordable. If you're looking for a top-notch mortgage banker in Henderson, call us at (702) 612-0822.

OK, today we're going to talk about how to get ahead financially. With the volatility in today’s markets and the huge number of choices available in equities and mutual funds, it’s almost impossible for us to securely and profitably manage our own investments. But choosing the right financial advisor isn’t easy either. Here are 3 questions to help you make the right choice. If you're looking for a top-notch mortgage banker in Henderson, call us at (702) 612-0822.

Ok, today we are going to talk about 3 things you should never do if you want a good credit score. No matter how high your credit score is, you can always benefit by helping it get higher. The trouble is some of the things people do to raise their score can actually lower it. Here are 3 major DON’Ts. If you're looking for a top-notch mortgage banker in Henderson, call us at (702) 612-0822.

Ok, today we are going to talk about the added costs that most homebuyers don’t realize when purchasing a home. Your home is probably the biggest purchase you’ll ever make. But the expenses don’t stop with the price. Here are some additional costs you need to budget for. If you're looking for a top-notch mortgage banker in Henderson, call us at (702) 612-0822.

OK, today we’re going to talk about how to achieve your goals. Any chump can set a goal. But it takes a champ to achieve it! So, what separates the champs from all the rest? I’m glad you asked. Here are 5 simple steps to achieve any goal. If you're looking for a top-notch mortgage banker in Henderson, call us at (702) 612-0822.

Ok, today we are going to talk about a few ways to save money in under 30 minutes. After all, saving money doesn’t have to be time-consuming. Here are 5 quick and easy ways to start saving right now. If you're looking for a top-notch mortgage banker in Henderson, call us at (702) 612-0822.

Renovating your home can be an effective way to increase its resale value. But not all renovations are created equal—and none are guaranteed to repay 100% of their cost. However, by renovating strategically, you can increase your selling price enough that a significant portion of the renovation costs are passed on to the future owner. Here are the Top 10 renovation projects, ranked by average payback as a percentage of cost. If you're looking for a top-notch mortgage banker in Henderson, call us at (702) 612-0822.

Your credit score is the single biggest factor that lenders use in determining your interest rate when you apply for a mortgage. Yet most people don't even know what a credit score is, let alone whether they have a high score or a low one. The sad truth is if your score is unnecessarily low--due to errors or lack of professional advice--you could end up paying thousands of dollars extra over the life of your mortgage! If you're looking for a top-notch Loan Officer in Watsonville, Call us at (831) 535-3954

Have you checked your mailbox yet today? How many credit card offers do you think you received? Each one is a new opportunity to get farther into debt, hand over HUGE interest payments, and never get any closer to financial security.Instead of being flattered every time you're offered a PRE-APPROVED PLATINUM card, it's time you learned the truth behind credit card offers.

If you’re like most of the top-producing Realtors I work
with, you’re sick and tired of parasite mortgage pros
who feel entitled to just suck you dry of referrals
without providing any REAL UNIQUE VALUE in return.
Can you relate?

As far as I’m concerned, your mortgage pro should
be one of your most valuable assets, who doesn’t
just provide “great rates” and “great service” –
that’s a minimum expectation – but provides
killer-effective marketing systems that put more
dollars in your wallet. In short, they should be
your SECRET WEAPON – an irreplaceable,
indispensable asset on your team.

With that in mind, here's a quick 3-minute video
showing how I help my Realtor Partners attract
more quality listings and sell them faster for
top dollar.

Check it out:

Well, what do you think? Can you see the value in
using a system like this?

I’m looking forward to hearing from you. Cheers!

For more information, please call us at (416) 427-4391 or visit www.vincesavoia.ca.

OK, today we’re going to talk about the BIG “A” word… AMORTIZATION that is! The length of time it takes you to pay off your entire mortgage is called the amortization. But don’t fall prey to the misconception that a longer amortization is better. In most cases, the opposite is true. Here’s what every homeowner needs to know. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

OK, let's talk about your retirement for a moment. It’s easy to assume there’s an endless list of things standing between you and a secure retirement, including volatile stock markets, stagnant household income, adult children living at home, etc. But in reality, none of those things are as destructive to your retirement savings as what I'm about to show you next. Here are 3 threats to a secure retirement. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Ok, today we are going to talk about 3 important steps every borrower should know (and take) before applying for a mortgage. Buying a home and applying for a mortgage—especially if you’ve never done it before—can be scary and complicated. There are so many things to consider. Here are 3 important steps to take when applying for a mortgage. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Ok, today we are going to talk about how Airbnb income will help you qualify for mortgage refinancing. Are you renting your home through Airbnb? Or ever thought about it? You might after you read about some of the perks you can get when it comes to refinancing or getting a second mortgage. Here are 6 tips for using Airbnb income when applying for a mortgage. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Please forward this to anyone you care about who has filed for bankruptcy. Many Americans find themselves bogged down with a bad credit rating for the wrong reason -- illness, losing a job, or simply not understanding consumer credit. Sometimes bad financial situations happen to good people and bankruptcy is the only way out. But it's not all doom and gloom -- there are a number of strategies for putting your credit back on track and getting approved for a mortgage, even after bankruptcy. Going from one financial institution to the next, only to be declined again and again can be very frustrating, which is where an experienced mortgage consultant on your side can make all the difference. Here are 10 factors to consider. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.