⁣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 officer in St. Augustine call us at, 786-351-5051

⁣ 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 officer in St. Augustine call us at, 786-351-5051

⁣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 officer in St. Augustine call us at, 786-351-5051

⁣ 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 officer in St. Augustine call us at, 786-351-5051

⁣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 officer in St. Augustine call us at, 786-351-5051

⁣-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 officer in St. Augustine call us at, 786-351-5051

⁣ 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 officer in St. Augustine call us at, 786-351-5051

⁣ 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 officer in St. Augustine call us at, 786-351-5051

⁣ 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 officer in St. Augustine call us at, 786-351-5051

⁣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 officer in St. Augustine call us at, 786-351-5051

⁣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, 786-351-5051

⁣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... ⁣For more information call us at, 786-351-5051

⁣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... ⁣For more information call us at, 786-351-5051

⁣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... ⁣For more information call us at, 786-351-5051

⁣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... ⁣For more information call us at, 786-351-5051

⁣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... ⁣For more information call us at, 786-351-5051

⁣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... ⁣For more information call us at, 786-351-5051

⁣⁣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: ⁣For more information call us at, 786-351-5051

⁣Have you ever heard someone say I run my business "By Referral ONLY"? Well, today's controversial message will reveal why that is the absolute worst strategy for building a stable business with a rock-solid income stream! Don't believe me? Take a moment and watch to today's video and you'll discover the key to consistently growing your income -- even in a down market... ⁣For more information call us at, 786-351-5051

⁣Today you'll discover how Superstar Realtors set themselves apart from their competitors and position yourself as the only logical choice in your prospects' mind. Here's exactly how they do it: ⁣For more information call us at, 786-351-5051