⁣Ok, today we are going to talk about how to convert a construction loan into a traditional mortgage… If you’re planning to build a house or do a major renovation, you usually can’t qualify for a traditional mortgage because there’s no existing home to use as collateral. What you need is a construction loan, which is based on the projected future value of the completed property. Generally, construction loans are interest-only while the house is being built. Then when construction is complete, you refinance into a regular mortgage. Here’s how the process works…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣ Ok, today we are going to talk about what a force majeure clause is and where or not it applies to your mortgage… “Force majeure” is French for superior force. It’s a term used in legal documents that can sometimes let a person or business get out of a contract. Here’s what you need to know and when it could apply to you…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣ Today we are going to talk about how to buy a house that’s not on the market… In a competitive real estate market, it may be difficult to find the house you’re looking for. And when you finally find it, you could be outbid by another buyer. That’s why many buyers are looking for homes BEFORE they’re listed. Here’s how to buy a house that’s not yet listed on the market…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about what cash reserves are and why you need them to buy a home… When buying a house, most people only think about saving enough to cover a down payment and closing costs. But lenders like to see more than that. Borrowers who have additional “cash reserves” are considered lower risk and are more likely to be approved for financing at the lowest possible rate. So, what are “cash reserves” and how can they benefit you? Take a look… ⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣ Ok, today we are going to talk about how to finance a new home build… If you’re looking for a home that offers the latest energy efficiencies, low maintenance costs, and every amenity and convenience your family desires, maybe you should consider building new. Just keep in mind that financing new construction is a little more complicated. Here’s what you need to know…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about real estate planning and why it’s necessary… You don’t have to be wealthy to have an estate plan. No matter who you are, you probably have possessions you’d like your children to have once you’re gone. And you definitely want to have a say in who will take care of your kids if you die before your time. Here are 4 reasons why you should start thinking about estate planning today…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about three things you need to know before you borrow from your home equity… Accessing your home equity through a home equity line of credit (HELOC) or cash-out refinance can be an affordable way to pay for renovations or education. Here are 3 things you need to know before applying for a HELOC…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about when it’s acceptable to back out of an offer and how to do it… It’s only natural to have second thoughts after making a major decision. But if your offer to buy a house is accepted and THEN you decide to back out of it, things can get a little complicated. It’s definitely possible, but it can be expensive and create legal issues. Here are some things to consider…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about how to build your savings up FAST! Have an unexpected financial need? Rather than borrowing or putting it on your credit card—which just makes your financial situation worse—consider accelerated saving. Here are 7 ways to accelerate your savings…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about how to furnish your home on a budget… If you’ve just bought a home, you may feel pressured to furnish the whole thing all at once, which can be expensive. But there are many ways to moderate costs. Here are 6 tips for furnishing your home on a budget… ⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣ Ok, today we are going to talk about the 9 questions to ask your Realtor before you list your home with them… Finding and selecting a Realtor is an important step in the selling process. Recent data suggests that “For Sale by Owner” houses sell for about 25% less than houses sold by Realtors. To find the Realtor who’ll work best for you, interview two or three and ask them important things about their work experience, past sales, qualifications, etc. Here are 9 questions to ask your Realtor before you list…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about when the best days and months of the year are to list your home… If you’re thinking of selling your home, there’s never a bad time of year, but there certainly are perks to selling in the spring. Spring is usually the best time of year, and a recent survey gets even more specific, providing the best time to list, right down to time of day. Check it out to learn more…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣ Today we are going to talk about how to use budget tracking apps but stay safe doing it… Budget tracking apps like Quicken and mint.com can be a great way to manage household finances. But considering all the personal financial information you enter into these apps, are they safe to use? Most experts agree the apps are generally safe; it’s the people using them who pose the greatest risk. Here are 7 tips for using a budget tracking app (while keeping your info safe)…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about 7 ways to stay warm this winter without spending a fortune on heating… Home heating costs seem to rise every year, and this winter may be even more costly for you if you’re spending more time at home or working from home. But there are ways to reduce heating costs without shivering until spring. Here are 7 ways to stay warm without paying a huge heat bill…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about why it’s important to price your house right. When you list your house, you want it to sell fast and at a high price. In order for that to happen, it needs to be priced right. But this is where it gets tricky. Price it too low, and it may sell quickly but you’ll leave money on the table. Price it too high, and it may take months and several price reductions to sell. Here are 5 reasons why it’s important to price your house right…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣Ok, today we are going to talk about 5 simple things you can do to your home to instantly boost the price when it hits the market… You don’t have to hire a professional stager to prepare sell your home. With a little guidance from a Realtor and a few simple touches, your home’s value can increase instantly. Here are 5 things you can do that can help you boost your asking price…⁣If you are looking for a top-notch mortgage broker in St George call us at, 801-577-9231

⁣In last week's video, we covered the 7 “Trust Builders” that every Realtor needs to know to boost sales and become a trusted advisor. Now at this point you may be wondering... out of all those Trust Builders, what’s the absolute fastest way to build trust as a Realtor. Here's the FASTEST way to boost your sales... ⁣For more information call us at, 801-577-9231

⁣In last week's video, we talked about the importance of building TRUST EQUITY with your prospects, clients and referral partners... ...and highlighted the Top 10 Ways People Know You're a Dangerous Salesman to Be Avoided. Now the pregnant question is... how do we build more TRUST EQUITY? Here are 7 “Trust Builders” Every Realtor Needs to Know... ⁣For more information call us at, 801-577-9231

⁣Do you ever wish clients would naturally understand your unique value and be attracted to working with you... without having to "sell" them on your services? Well, I've got good news for you... In today's video, you're going to learn the #1 secret for dominating your local market, eliminating sales resistance, boosting your sales and earning more while working less. I know that sounds like an incredible claim in a world full of hype, but stay with me for a moment and you’ll see for yourself. Learn the #1 Secret to More Sales Here: ⁣For more information call us at, 801-577-9231

⁣Welcome to the final 21st secret in our video series titled, 21 Secrets of Superstar Realtors. Today's secret is by far the most important and critical secret of all 21 secrets. I've saved this secret for last message because it's the last impression that I want to emblaze on the screen of your mind. ALL SUPERSTAR MORTGAGE REALTORS DO THIS! And if you want to become a Superstar Realtor yourself, you MUST do this too. If you haven't watched any of the last 20 video tips, today's is the one you need to tune in to. Here's the final secret of Superstar Realtors... ⁣For more information call us at, 801-577-9231