⁣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 loan originator in Rocklin call us at, 916-316-2386

⁣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 loan originator in Rocklin call us at, 916-316-2386

⁣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 loan originator in Rocklin call us at, 916-316-2386

⁣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 loan originator in Rocklin call us at, 916-316-2386

⁣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 loan originator in Rocklin call us at, 916-316-2386

⁣ 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 loan originator in Rocklin call us at, 916-316-2386

⁣ 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 loan originator in Rocklin call us at, 916-316-2386

⁣ 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 loan originator in Rocklin call us at, 916-316-2386

⁣ 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 loan originator in Rocklin call us at, 916-316-2386

⁣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 loan originator in Rocklin call us at, 916-316-2386

⁣Ok, today we are going to talk about how to save money renovating your home… Renovating can add comfort, convenience and value to your home. But renovations are often pricey. Here are 5 tips for updating your home without blowing your budget…⁣If you are looking for a top-notch mortgage loan originator in Rocklin call us at, 916-316-2386

⁣Ok, today we are going to talk about how to save money on home insurance… Insurance is absolutely essential to home ownership. You have to be confident that your investment and your family are adequately protected. However, there’s no reason to pay more for home insurance than you have to. Here are 7 ways to save money on home insurance…⁣If you are looking for a top-notch mortgage loan originator in Rocklin call us at, 916-316-2386

⁣Ok, today we are going to talk about what to be aware of before moving from the city to the suburbs… For the young and single, the inner city has strong appeal. But as soon as there are kids, many couples are drawn to the suburbs. Less crowds and more open spaces become more enticing. If you don’t want to sacrifice quality of life, choose the suburb carefully. Here are 4 pitfalls to avoid when moving from the city to the suburbs…⁣If you are looking for a top-notch mortgage loan originator in Rocklin call us at, 916-316-2386

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⁣Welcome to Real Estate Marketing Sin #4. Most Realtors believe -- either consciously or unconsciously -- that once you "close the deal" and the client walks out the door, then the deed is done and you just move on to the next prospect. What they don't realize is that their next prospect might have just walked out the door! Most Realtors tend to be "hunters" instead of "harvesters". Top producers, on the hand, understand the importance of both. They understand that a new customer typically costs 5 to 10 times more than a repeat customer. That's why they focus on getting 60% to 70% of their business from their existing client database through referrals and repeat business -- and you should too! Here's how they do it... ⁣For more information call us at, 508-274-8072

⁣Welcome to Real Estate Marketing Sin #3. Ever wondered how fast food franchises like McDonalds or Wendy's run like finely-oiled cash machines? Notice how they do the same things, the same way, every single time. Unfortunately, most Realtors never take the time to "systematize" their business, which results in duplication, waste, chaos and ultimately, lost sales. Here are 4 types of "systems" to implement in your biz... ⁣For more information call us at, 508-274-8072

⁣Welcome to Real Estate Marketing Sin #2. In today's video, you'll learn the importance of planning. Studies show that small businesses that create -- and consistently use --marketing plans experience an average of 30% higher sales than those who don't. Wouldn't you like to increase your sales by 30%? Here are 4 Simple Steps for Creating an Effective Marketing Plan... ⁣For more information call us at, 508-274-8072

⁣Have you ever wondered why some Realtors® quickly skyrocket to success while the majority continues to struggle just to eke out a meager existence? Little things make a big difference. That's true in marriage, parenting, and in marketing yourself as a Realtor. Too often as business owners we get caught up in the "thick" of "thin things" and we lose touch with what really drives success in our business. In this new 8-part video series, I'm going to highlight 8 deadly real estate marketing sins that could be crippling your business growth. Here's Real Estate Marketing Sin #1... ⁣For more information call us at, 508-274-8072

⁣Ok, today we are going to talk about an important thing you should do before you buy in an area… test drive the neighbourhood! You wouldn’t think of buying a car without driving it first. And buying new shoes usually involves wearing them around the store a couple of times. So how do you know you’ll actually like the neighbourhood you’re considering, unless you try it out? Here are 4 ways to test drive a neighbourhood… ⁣If you are looking for a top-notch President in South Easton call us at, 508-274-8072

⁣Ok, today we are going to talk about 5 things to look for and be aware of if they get noted in your home inspection… As any good Realtor will advise you, don’t even think about buying a house without a home inspection. Before you get emotionally attached to a home, invest a few hundred dollars in a thorough, professional home inspection. And if your report includes any of the following issues, consider walking away. Here are 5 home inspection red flags… ⁣If you are looking for a top-notch President in South Easton call us at, 508-274-8072

⁣Ok, today we are going to talk about 5 things you need to know about foreclosures… Heaven forbid, you get several months late on mortgage payments, your lender’s last resort is to initiate foreclosure. This is a lengthy and expensive process for your lender, but its impact on you can be even more negative. Here’s 5 facts you need to know about the foreclosure process…⁣If you are looking for a top-notch mortgage loan originator in Rocklin call us at, 916-316-2386