If you have kids and/or nephews or nieces, today's video is especially for you. According to SavingForCollege.com, the cost of a four-year public university education (for in-state residents, excluding housing and supplies), is projected to be $95,000 by the time today's newborns graduate from high school. But if you start planning while your kids are young, the costs can still be affordable. Plus, you'll save them from being burdened with thousands of dollars in student loan debt! Here are a few ways to start saving. If you're looking for a top-notch Loan Originator in Newport Beach, Call us at (844) 846-6688

Ever notice how some people seem to have all the luck? They marry well, get promotions, have lots of friends and make lots of money. Is their good fortune the result of just pure luck or is there science behind it? Recent research reveals that our personality and behavior have a huge impact on how lucky or unlucky we are. Here are 3 keys to creating your own luck. If you're looking for a top-notch Loan Originator in Newport Beach, Call us at (844) 846-6688

Ok, today we are going to talk about how you can use your cell phone bill to increase your credit score. As with most credit contracts, your monthly cellphone bill can show up on your credit report. Here are 3 steps to using your cell phone bill to get a higher credit score. If you're looking for a top-notch Loan Originator in Newport Beach, Call us at (844) 846-6688

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 loan officer in Lynwood, call us at (520) 245-2366.

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 Loan Originator in Newport Beach, Call us at (844) 846-6688

Your credit score is the single biggest factor that lenders use in determining your interest rate when you apply for a mortgage. Yet most people don't even know what a credit score is, let alone whether they have a high score or a low one. The sad truth is if your score is unnecessarily low--due to errors or lack of professional advice--you could end up paying thousands of dollars extra over the life of your mortgage! Here's the shocking truth about how your credit score is calculated and more importantly, how to improve it almost overnight. If you're looking for a top-notch Loan Originator in Newport Beach, Call us at (844) 846-6688

Ok, today we are going to talk about everything you need to know about closing costs. Buying a home involves more expenses than just the price of the property itself. One category of expenses that most people forget to budget for is closing costs. Here are 8 closing costs every homebuyer needs to know. If you're looking for a top-notch Loan Originator in Newport Beach, Call us at (844) 846-6688

Ok, today we are going to talk about 4 home improvement jobs that are difficult to do yourself. Doing home improvement projects yourself can save a lot of money and provide a sense of accomplishment. But some DIY projects can go terribly wrong, leading to wasted time, extra expenses, and friction between loved ones. Here are 4 home improvement projects that are risky to take on yourself. If you're looking for a top-notch Loan Originator in Newport Beach, Call us at (844) 846-6688

Ok, today we are going to talk about when an all-cash offer is the right move. Surprisingly, lots of people make all-cash offers on houses.According to one study, up to 29% of single-family home and condo purchases in 2017 were all-cash. Here are the advantages and disadvantages to purchasing a home with all cash. If you're looking for a top-notch loan originator in Elmsford, call us at (201) 600-5545.

Please forward this to anyone you care about who has filed for bankruptcy. Many Americans 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 advisor in Roseville, call us at (916) 741-7401.

OK, today we’re going to talk about the BIG “A” word… AMORTIZATION that is! The length of time it takes you to pay off your entire mortgage is called the amortization. But don’t fall prey to the misconception that a longer amortization is better. In most cases, the opposite is true. Here’s what every homeowner needs to know. If you're looking for a top-notch mortgage advisor in Roseville, call us at (916) 741-7401.

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 mortgage advisor in Roseville, call us at (916) 741-7401.

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 advisor in Roseville, call us at (916) 741-7401.

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

Today you'll learn the importance of "YOU"
and why that is critically important
to your career as a Realtor.

This might sound dull but you're about to
learn an important lesson that only the
Superstar Realtors really understand.

Here's what I'm talking about...

In the upcoming 11th secret, you'll discover
how Superstar Realtors have the uncanny ability
to get things done, open new doors, and create
profitable strategic alliances.

This message will be very important to your
career so make sure you tune in and watch
to this next message.

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

Today you'll learn how Superstar Realtors have
the uncanny ability to get things done, open new
doors, and create profitable referral alliances.

This message will be very important to your
career so click the link below and watch to
today's message.

Here's how Top Dog Realtors make it happen:

In next week's 12th secret, you'll discover
how Superstar Realtors set themselves apart
from their competition and position themselves
as the only logical choice in their prospect's mind.

Stay tuned...

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

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 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 are going to talk about when an all-cash offer is the right move. Surprisingly, lots of people make all-cash offers on houses.According to one study, up to 29% of single-family home and condo purchases in 2017 were all-cash. Here are the advantages and disadvantages to purchasing a home with all cash. If you're looking for a top-notch mortgage specialist in London, call us at (518) 852-5650.

In last week's video, we talked about the importance of building TRUST EQUITY with your prospects, clients and referral partners and highlighted the Top 10 Ways People Know You're a Dangerous Salesman to Be Avoided. Now the pregnant question is... how do we build more TRUST EQUITY? Here are 7 “Trust Builders” Every Realtor Needs to Know. For more information, Please call us at (844) 846-6688 or citywidehomeloans.com/john-greer