Have you ever wondered how some people can have big incomes but they still stay stuck in the rat race with little money left over at the end of the month? Yes, chances are they have a spending problem. But there's something even deeper at play that most people don't realize. Here's one of the many important financial lessons we should be taught in school but aren't. If you're looking for a top-notch Loan Officer in Watsonville, call us at (831) 535-3954.

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 Loan Officer in Watsonville, call us at (831) 535-3954.

It’s easy for some people to be pessimistic about retirement. With kids to put through school, a mortgage to pay off, the rising cost of everything and growing credit card debt, many people ignore retirement planning and hope for the best. Even if you’ve already started saving, it’s hard to be confident when stock markets are volatile and interest rates are low. But believe it or not, there’s a large group of retirees who are feeling fine about retirement. Here are 5 habits of confident retirees. If you're looking for a top-notch Loan Officer in Watsonville, call us at (831) 535-3954.

How's this for a new perspective. Rather than seeing your debts as a problem, what if they could be an opportunity? With a little knowledge, ingenuity and discipline you can transform those debts into wealth! Here are 6 Tips to Shift from Debt to Financial Freedom. If you're looking for a top-notch Loan Officer in Watsonville, call us at (831) 535-3954.

Here's a little trick you can use to easily increase your success rate at your listing presentations by 10 to 20%... Get your mortgage professional to send an "ENDORSEMENT LETTER" to the home seller in ADVANCE of the listing presentation, edifying YOU as the #1 choice for selling their home! Here's how it works... For more information, please call us at (831) 535-3954 or visit www.conceptmortgage.com

What’s the single, most important question every smart home seller wants you to answer at their listing presentation? HINT: it's probably not what you think. Here's the shocking truth... For more information, please call us at (831) 535-3954 or visit www.conceptmortgage.com

Do you or anyone you know have mounting high-interest debt? There are few things in life that can cause more stress and strife than debt -- especially if you don't see a way out! In today's video, you'll learn how to escape debt prison... FAST. If you have $10K+ in consumer debt, this video is for you. If you're looking for a top-notch mortgage loan originator in Newport Beach, call us at (844) 846-6688.

If you know anyone who is currently going through a divorce, please share this important email with them. They'll be glad you did. :) After all, deciding on how to deal with the break-up of the family home can be the most intimidating and potentially devastating part of ending a marriage. What is needed most during this uncertain and confusing time is some unemotional, straightforward information and advice. Here's what you need to know before you sell your home. If you're looking for a top-notch mortgage loan originator in Newport Beach, call us at (844) 846-6688.

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 advisor in Maitland, call us at (407) 275-5112.

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 advisor in Des Peres, call us at (314) 222-2289.

Why do some Realtors® have all the clients they can handle,
while others seem to struggle? Is it because they are smarter
than all the other Realtors® or is it because they simply
work harder? Perhaps neither.

After analyzing the habits, attributes and character traits of
hundreds of real estate professionals over the years, we've
identified the "secrets" that separate the Top 1%
highest-income-earning Realtors® from all the rest.

And for your benefit, we've decided to distill all these traits
down into 21 specific things that create superstar Realtors®
and allow them to pick and choose who they work with, and
have all the clients they can handle.

Are you ready for the 1st secret of Superstar Realtors®?

Here it is...

For more information, please call us at (314) 222-2289 or visit www.HomeLoansInTheLou.com.

Why do some Realtors® have all the clients they can handle,
while others seem to struggle? Is it because they are smarter
than all the other Realtors® or is it because they simply
work harder? Perhaps neither.

After analyzing the habits, attributes and character traits of
hundreds of real estate professionals over the years, we've
identified the "secrets" that separate the Top 1%
highest-income-earning Realtors® from all the rest.

And for your benefit, we've decided to distill all these traits
down into 21 specific things that create superstar Realtors®
and allow them to pick and choose who they work with, and
have all the clients they can handle.

Are you ready for the 1st secret of Superstar Realtors®?

Here it is...

For more information, please call us at (780) 909-3659 or visit www.cherylwilkes.com.

Welcome to the 3rd secret of Superstar Realtors.
In today's secret, you'll learn a very different
approach to marketing your real estate services.

This one approach has more power to build your
real estate business than any other strategy available.

Click here to listen to the third secret...

In next week's 4th secret, you'll learn how top-producing
Realtors get most of their leads and how you can too.

Stay tuned...

For more information, please call us at (780) 909-3659 or visit www.cherylwilkes.com.

Welcome to the 4th secret of Superstar Realtors.
In today's secret I unlock the mystery to creating
a constant stream of qualified leads that come to
you instead of the other way around.

All the Superstar Realtors I know use this tactic
and you should too.

Click here to listen to the fourth secret...

In the upcoming 5th secret you'll learn why
Superstar Realtors can charge higher fees than
all their competitors and still have clients lined
up around the block to use their services.

Stay tuned...

For more information, please call us at (780) 909-3659 or visit www.cherylwilkes.com.

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 loan officer in University Place, call us at (206) 334-6729.

Ok, today we’re going to talk about how to keep your kids’ out of debt. The last time I checked, the average student’s debt is currently almost $30,000, and it’ll be even higher by the time your kids graduate! The truth is most young people—and often their parents—can’t afford that kind of debt, so it ends up damaging their credit rating and ability to buy a house and raise a family. Of course, the best way to prevent such problems is to avoid massive student debt in the first place. Here are 5 tips to avoid student loan debt. If you're looking for a top-notch loan officer in University Place, call us at (206) 334-6729.

Let’s face it, debt isn’t a financial problem, it’s a behavior problem. So becoming debt-free takes more than sound financial strategies, it takes a mindset shift that establishes new wealth-building habits. Here’s the fastest, easiest way to become debt free. If you're looking for a top-notch loan officer in University Place, call us at (206) 334-6729.

Have you ever wondered if it’s better to pay off your credit card debt instead of building your savings account? Regardless of your current circumstances, here are a few things to consider. If you're looking for a top-notch loan officer in University Place, call us at (206) 334-6729.

If you’re like most of the top-producing Realtors I work
with, you’re sick and tired of parasite mortgage pros
who feel entitled to just suck you dry of referrals
without providing any REAL UNIQUE VALUE in return.
Can you relate?

As far as I’m concerned, your mortgage pro should
be one of your most valuable assets, who doesn’t
just provide “great rates” and “great service” –
that’s a minimum expectation – but provides
killer-effective marketing systems that put more
dollars in your wallet. In short, they should be
your SECRET WEAPON – an irreplaceable,
indispensable asset on your team.

With that in mind, here's a quick 3-minute video
showing how I help my Realtor Partners attract
more quality listings and sell them faster for
top dollar.

Check it out:

Well, what do you think? Can you see the value in
using a system like this?

I’m looking forward to hearing from you. Cheers!

For more information, call us at (206) 334-6729 or visit Movement.com/Jessica-swystun.

Welcome to the 4th secret of Superstar Realtors.
In today's secret I unlock the mystery to creating
a constant stream of qualified leads that come to
you instead of the other way around.

All the Superstar Realtors I know use this tactic
and you should too.

Click here to listen to the fourth secret...

In the upcoming 5th secret you'll learn why
Superstar Realtors can charge higher fees than
all their competitors and still have clients lined
up around the block to use their services.

Stay tuned...

For more information, call us at (206) 334-6729 or visit Movement.com/Jessica-swystun.