⁣Before we get into today's tip, let me ask you a couple questions... Do ever feel AWKWARD when trying to ask for referrals? Do you think you might ask for referrals more CONSISTENTLY if you had a more elegant, graceful and effective way of going about it? What if I could provide you with the exact same script that helped a financial planner in the little obscure town of Weirton, West Virginia, build a multi-million dollar business? Here's the million dollar referral script... ⁣For more information call us at, ⁣203-416-6000

⁣With few exceptions, some of the first words we learn as kids are “Please” and “Thank you”. As parents, we're constantly reminding our kids to say these words because as a culture, we tend to be repelled by people who lack social graces. If showing appreciation is such an integral part of human interaction, how might you use appreciation to differentiate yourself and improve your marketing results? Here's how...⁣For more information call us at, ⁣203-416-6000

⁣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 professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about 5 reasons why you should NOT get a mortgage online… Online transactions have become so fast, reliable and convenient, we do almost everything online—from buying groceries to banking, paying bills and shopping. So why not get a mortgage online too? After all, mortgage sites promise choice, simplicity and approval within minutes. But should we really feel secure borrowing hundreds of thousands of dollars with a click of a button on a laptop or smartphone, without professional assistance? Here are 5 reasons why it’s NOT a good idea to get a mortgage online… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about a decade-by-decade retirement plan… Saving for retirement is a challenging but essential goal. Government pensions likely won’t be enough to live on, so it’s up to you to provide a comfortable retirement income. Here is a retirement plan broken down for you, decade by decade… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣⁣Ok, today we are going to talk about 7 things every real estate agent should be doing to sell your home. Using a real estate agent helps you get a higher price and faster sale. But not all agents are the same. It’s essential to find one who will really earn their fee. Here are 7 things every good real estate agent should be doing for you. ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about 6 things you need to examine closely in a home inspection… Buying a home is a huge investment, and unfortunately, we’re not all qualified to judge whether a home is worth the money. That’s why it’s essential to hire a professional home inspector. Here are 6 things to pay extra attention to in any home inspection… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about how to buy a home, even if you have bad credit… Obviously, if you have good credit, it’s easier to qualify for a mortgage. But that doesn’t mean home ownership is out of reach if you have bruised credit. Here are 5 ways to qualify for a mortgage (even if you have less than perfect credit) ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Deciding what to do with your tax refund can be a lot of fun. Who doesn’t like to spend money? But instead of blowing it on things that are guaranteed to lose value—like expensive clothes or a vacation— consider investing your money for the future. Sure, it sounds like less fun, but think of the fun you’ll have when you retire early! Here are 5 ways to help your tax refund generate wealth...⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣If you’re thinking of selling your home any time soon, here are seven fast, easy and affordable ways to attract more offers and get a higher price…⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about when it is smart to pay off your mortgage early… Being mortgage-free sounds wonderful. But as with most financial choices, there are pros and cons. Before using an inheritance, a raise or savings to pay off your mortgage early, there are some important things to consider. Here’s 7 things to consider if you want to pay your mortgage off early… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about some important things to consider before downsizing your home… In 1950, the average single-family home in the US was 1,000 square feet, and today it’s 2,600 square feet. The difference is even more dramatic when you consider how much larger families were in the 1950s! Some find themselves living in unnecessarily large homes, which leaves room for downsizing and saving. But before you rush in to selling and buying small, here are 5 things to consider before downsizing… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about how your student loans can affect the home buying process… If you’re a first-time buyer, chances are you may have student loan debt. But that doesn’t mean you can’t qualify for a mortgage. Student loans don’t affect your ability to get a mortgage any more than credit card debt or a car loan. Here’s what you need to know…⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about 5 advantages of making a 20% down payment… With houses being so expensive, coming up with a 20% down payment isn’t easy. Some buyers consider making a 20% or more down payment in order to avoid paying for mortgage insurance, which increases monthly payments. Here are 5 excellent reasons to pay 20% down (if possible)… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about 5 ways you can win the bidding war… If you’re house shopping in a competitive market, you’re likely to encounter a bidding war. Unfortunately, bidding wars can be frustrating, expensive and time consuming. However, it’s still possible to get the house you want. Here are 5 ways to win a bidding war… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Have you ever wondered when the best time of the year is to do home renovations? Deciding when to start a remodeling project may simply depend on when you need it finished. But if you have a little leeway, here are some considerations that can make the process easier and more affordable… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Ok, today we are going to talk about getting a mortgage on a rental property… Owning a rental property can be a great way to increase your income. And if you can lock in a low enough interest rate, your monthly rental income can easily cover your mortgage payment. However, mortgages for rental properties have different qualification requirements than regular mortgages. Here are 6 things to know when getting a mortgage on a rental property… ⁣If you are looking for a top-notch mortgage professional in Toronto call us at, (866) 492-4024.

⁣Welcome to Real Estate Marketing Sin #6. Studies have shown that 81% of all sales happen on or after the fifth contact. If you're a Realtor and you're only following up on your leads a few times before giving up, just imagine how much business you're leaving on the table! Spending money on advertising but while not having a system in place that continuously and regularly follows up on your prospects, clients and referral partners is like filling up your bathtub without first putting the stopper in the drain -- it's a complete waste. Here are 3 keys for creating an effective follow-up system...⁣For more Information call us at, 613-384-4047

⁣Ok, today we are going to talk about how to create or update your home office space… The COVID pandemic introduced many of us to working from home. And regardless of being in a pandemic or not, many of us will continue to and have been working from home already. So now’s the time to make your home office as efficient, comfortable and uplifting as possible. Here are 6 ways to make your home office work better…⁣If you are looking for a top-notch mortgage advisor in Shelton call us at, ⁣203-416-6000

⁣Ok, today we are going to talk about how you can save time and money paying your utility bills on your home… Monthly bills are inevitable and predictable. But for some people, bills come as a surprise just when they can least afford them. Here’s 6 tips to save you time and money paying your utility bills… ⁣If you are looking for a top-notch mortgage advisor in Shelton call us at, ⁣203-416-6000