Please forward this to anyone you care about who has filed for bankruptcy. Many Canadians 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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

Buying your first home isn’t as simple as visiting a few realtor open houses. What you do before you start shopping can help ensure you make a decision you can comfortably live with for years! Here are 3 essential steps to take before going home shopping. If you're looking for a top-notch mortgage specialist in London, call us at (518) 852-5650.

Ok, today we are going to talk about three easy, but crucial repairs you must make before selling your home. Making your house as presentable as possible is the best way to achieve a quick and profitable sale. However, you don’t have to make expensive repairs that will force you to raise your asking price. Often, inexpensive but highly-noticeable improvements—combined with good staging—will get you the buyers and sale you want. Here are the 3 most important things to fix before listing your home. If you're looking for a top-notch mortgage specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 specialist in London, call us at (518) 852-5650.

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 (916) 741-7401 or visit www.caliberhomeloans.com/sjung.

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 (916) 741-7401 or visit www.caliberhomeloans.com/sjung.

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 (916) 741-7401 or visit www.caliberhomeloans.com/sjung.

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 (916) 741-7401 or visit www.caliberhomeloans.com/sjung.

How many times do you find yourself saying, "I wish I
could get my prospects to believe in the value I offer!"
Have you noticed that consumers are becoming more
and more skeptical?

In today's video tip, you'll learn a powerful strategy all
Superstar Realtors use to instantly turn skeptical
prospects into pre-sold clients!

Here's how they do it...

In next week's 17th secret, you'll discover how Superstar
Realtors use the INTERNET to generate a tsunami of
qualified buyer and seller leads on AUTOPILOT .

Stay tuned...

For more information, please call us at (916) 741-7401 or visit www.caliberhomeloans.com/sjung.

Have you ever wondered how seemingly unknown
Realtors have positioned themselves as the #1 choice
in their niche in a short period of time?

Here is one of their secrets for making it happen...

In next week's 16th secret, you'll discover a powerful
marketing secret Superstar Realtors use to consistently
overcome their prospect's fear and skepticism.

This one strategy could at least DOUBLE your
prospect-to-closing conversion ratio.

Stay tuned...

For more information, please call us at (916) 741-7401 or visit www.caliberhomeloans.com/sjung.

How many times have you said to yourself, "I wish I knew
how to get the best bang for my buck on my
advertising dollars?"

Well today you're going to learn the advertising secrets
that Superstar Realtors use to get at least 200% higher
response rates than the average Realtor.

Here exactly how they do it:

In next week's 15th secret, you'll learn a powerful
marketing strategy that Superstar Realtors use to get
huge floods of leads with little time or effort!

Stay tuned...

For more information, please call us at (916) 741-7401 or visit www.caliberhomeloans.com/sjung.