As you may know, credit reporting agencies collect all the data on your loans, lines of credit and credit cards to create your credit report and calculate your credit score. This information is then used by lenders—including mortgage lenders—to determine whether you’re a good credit risk. What many people don’t realize is that cellphone bill payments can also have an effect on credit rating. Here's how your cell phone impacts your credit. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

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 professional in Toronto, call us at (866) 492-4024.

Ok, today we are going to talk about how you can spice up and add value to your kitchen without doing a complete renovation. Here are 6 simple, low-cost ways to add new vitality and style to your kitchen. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

You’ve found the ideal place. The whole family loves it. But before you seal the deal, make sure you or your home inspector checks for these potentially expensive deal breakers. Here are 6 important things you need to look for before you buy a home. If you're looking for a top-notch mortgage professional in Toronto, call us at (866) 492-4024.

Here's the 20th secret of Superstar Realtors. How would
you like to know how to maximize your results from every
ad dollar you invest?

Here's how Superstar Realtors make it happen...

In next week's 21st secret, you'll discover the number one
secret that has launched more Realtors into superstardom
than anything else. I've saved this secret for last because
it's by far the most important.

YOU MUST watch to this upcoming video. Don't miss it!

For more information, please call us at (219) 286-2211 or visit www.unionhomemortgage.com/twaters.

You're going to love today's 19th secret of Superstar
Realtors because you will finally discover the untold
secret for motivating Divorce Attorneys, Financial
Planners and any other referral partner to recommend
you and refer you MORE quality clients!

If you ONLY listen to one audio... this is the one to
listen to!

This secret will literally unlock the mystery about getting
referral partners to line up, EAGER to recommend you to
their prospects and clients.

Here's how Superstar Realtors make it happen...

In next week's 20th secret, you will discover how
Superstar Realtors mitigate the chances of loosing
money on their marketing and maximize their return
on their ad dollars. Stay tuned...

For more information, please call us at (219) 286-2211 or visit www.unionhomemortgage.com/twaters.

How many times have you said to yourself, "I wish I
had more time so I could get more done"?

Sound familiar? Welcome to the club. Now here's a
blinding flash of the obvious: You'll never get it all done!
There will always be more on our To-Do list than we
have time to implement.

The key to increasing your productivity is not in putting
in more hours, but rather, putting more into your hours.
It's all about working SMART, not hard.

Here's how Superstar Realtors make it happen...

In next week's 19th secret, you will learn about a
powerful lead generation secret that NO ONE knows
about -- that can literally launch your profits into orbit.

Stay tuned...

For more information, please call us at (219) 286-2211 or visit www.unionhomemortgage.com/twaters.

Did you know that there are literally thousands
of people every month in your market area who
are searching for real estate information online?

In today's video tip, you'll discover how you can
attract a steady stream of qualified prospects
using a LEAD GENERATION WEBSITE (even if you
don't have time, money or technical know-how).

Here's how you do it...

In next week's tip, you'll learn a little-known
secret that unlocks the mystery about how Superstar
Realtors can consistently increase their productivity
while decreasing their work-load.

Stay tuned...

For more information, please call us at (219) 286-2211 or visit www.unionhomemortgage.com/twaters.

Ok, today we are going to talk about buying a home at an auction. Auctions aren’t just for rich people. When houses are sold at auction, the prices can be downright cheap. Here’s how to save BIG by buying a home at an auction. If you're looking for a top-notch mortgage advisor in Valparaiso, call us at (219) 286-2211.

OK, we’re going to talk about a simple – yet profound – principle that can transform your health and your wealth over time. It’s called the “apple-a-day” principle. Here’s how it works. If you're looking for a top-notch mortgage advisor in Valparaiso, call us at (219) 286-2211.

As any good real estate professional will tell you,setting the right price for a home is a mix of technical knowledge and intuition. Realtors have to rely on their experience, knowledge and feel for the market. But there’s more to it than that. Here are 4 factors that smart Realtors rely on to set the right listing price. If you're looking for a top-notch mortgage advisor in Valparaiso, call us at (219) 286-2211.

OK, today we’re going to talk about how to get SMART with MONEY. If you’re like most people, you spend a lot of time worrying about money. But worry only makes things worse. Here are 4 common money challenges (and ways to take the worry out of them). If you're looking for a top-notch mortgage advisor in Valparaiso, call us at (219) 286-2211.

As you know, there are loads of credit card options out there. Credit cards that let you earn travel miles, merchandise or cash back can be a good deal. However, to get the most out of a rewards credit card, you have to be strategic. Here are 5 ways to make your rewards credit cards more rewarding. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about when and how it might make sense to responsibly charge your home renovation project to your credit card. According to a recent report, about one third of homeowners charge at least part of their home renovations to a credit card. In some instances, this can be a good option. Here are a few important tips to consider before using your credit card to pay for a home reno. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about how to get your home, specifically your living room, ready to show potential buyers. If your home has curb appeal and many features high in demand, you’re well on your way to attracting serious buyers. But when potential buyers walk through your home, there is one room that can make or break the deal. The living room! The living room is one of the first rooms a buyer will see. Here are 7 living room deal breakers to avoid. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about the most common questions homebuyers ask about mortgages. For most of us, shopping for our dream home is the fun part. So what’s the not-so-fun part? It’s usually when things get complicated trying to arrange financing. (After all, it can be confusing!). Here are answers to 5 of the most common mortgage questions. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about 5 smart ways to use your home equity. Home equity is the difference between the value of your home and the unpaid balance of your mortgage. You can often access a percentage of that amount through a home equity loan or home equity line of credit (HELOC). Here are 5 of the best ways to use your home equity. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about flood insurance and how this could protect your home. According to an environmental research journal, almost 41 million Americans live in flood zones. Even if you don’t live in one, you may still be at risk. After all, 98% of US counties have been impacted by a flooding event. Here are 6 things you need to know about flood insurance. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about 5 mistakes to avoid when buying a home. Buying a home can be exciting, stressful, easy or difficult depending on the market, time of year, etc. But no matter when or where you buy, you can still encounter challenges if you’re not prepared. Here are 5 common mistakes to avoid when buying a home. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856

Ok, today we are going to talk about 4 ways to sell your house quick, without compromising on a fair price. In most markets, spring is the #1 time of year for selling homes and fall comes in at #2. But no matter when you’re planning to sell your home, don’t despair! Here are 4 ways to sell your house quickly. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.