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Will You Add? - 37 Mortgage Insiders Shopper Tips - The Run, Don't Walk Checklist
After we've pictured our prospect we have to show him that we understand his circumstance and are here to serve him. We will do this through a USP. We must create a compelling USP.Dan Kennedy's (A Direct Marketing Guru) definition of USP is, "Why should I do business with you above any and all other options including doing nothing or whatever I am doing now?"I'll repeat the question: why should I do business with you? What is unique about what you offer? Your USP tells everyone who you are and what you do. It states clearly and definitely the benefits you offer to sellers. In a minute, they can decide if they want to do business with you. If they can't, they put your marketing piece (letter, postcard) in the garbage. You need to sit down and ask your
5. They verbally lock loans…no lender lock confirmation. If they won’t send you a lender lock confirmation, they are hiding the YSP.
6. They play stupid or get irritated when you mention YSP (yield spread prem
Shopping for home insurance? Wondering if you can save money? Here are some of the best ways to save money when shopping for a home owner insurance quote.Home insurance rates can vary from company to company so the number one thing you want to do is to get several comparison quotes. This could make the difference of hundreds of dollars you pay in premiums. Shopping online is one of the easiest and fastest ways to do this. You can go directly to the insurance company's Web site and request a quote, or go to a comparison Web site where you only enter your information once and then get quotes from different companies back.Ask about discounts. You can often save 5% or more just by getting a second policy -- like an auto insurance policy --
After 15 years in the mortgage industry, I can unequivocally say…boy, is that wrong!
Once folks learn the frivolity of using estimates, the most asked question I hear is, “If estimates are out, how do I pick one mortgage company over another?”. To answer that question, I put together the “Run, Don’t Walk” Checklist for mortgage shoppers. To use the checklist, remember, if the company/loan officer you’re evaluating, possess, says, or demonstrates any item on list….Run, Don’t Walk!
Well, here we go: The Checklist
1. It’s a bank….you know Countrywide, Wells Fargo, Washington Mutual etc, Banks are not the low cost providers of mortgage money …big surprise, right! And they don’t have to disclose their overage (ie. YSP or SRP).
2. They don’t have you sign anything…no application, good faith estimate etc. (self-explanatory)
3. They have you sign blank documents. Signing blank documents is worse than no documents.
4. They are a friend or family member...once you learn the truth, so long friend.
5. They verbally lock loans…no lender lock confirmation. If they won’t send you a lender lock confirmation, they are hiding the YSP.
6. They play stupid or get irritated when you mention YSP (yield spread premi
Using a shotgun to drive customers to your website, might be a bit over the top!What I’m talking about is the shot gun splatter approach to analyzing your market.I recently saw a video that demonstrated this technique to me and I found it very useful, but a little difficult to understand using the shot gun analogy.So here’s a way analyzing your market that I feel more comfortable with.Look at your target market as a commercial eco system. Everything is related and in some way reliant on each other in one way or another.For example: If I am assessing wether to get into the English Language education market. I should look at the eco system surrounding the particular environment.I could look at the teachers, who need student
Well, here we go: The Checklist
1. It’s a bank….you know Countrywide, Wells Fargo, Washington Mutual etc, Banks are not the low cost providers of mortgage money …big surprise, right! And they don’t have to disclose their overage (ie. YSP or SRP).
2. They don’t have you sign anything…no application, good faith estimate etc. (self-explanatory)
3. They have you sign blank documents. Signing blank documents is worse than no documents.
4. They are a friend or family member...once you learn the truth, so long friend.
5. They verbally lock loans…no lender lock confirmation. If they won’t send you a lender lock confirmation, they are hiding the YSP.
6. They play stupid or get irritated when you mention YSP (yield spread prem
The Employment Equality Age Regulations 2006 came into force on 1 October 2006 requiring employers to revolutionise the way they advertise for jobs, interview applicants, and make final selection for employment. These Age Discrimination Regulations will require us to stop judging a person’s ability to do a job by their age. After all, age, in this highly mobile labour market does not always mean experience or know-how.The Age Discrimination Regulations will prohibit discrimination on grounds of age or “perceived age” in the workplace. However, it should be noted that the Regulations are limited to employment and vocational training. They do not extend, generally, to the provision of goods and services. There would be nothing unlawful for example for a newsp
Well, here we go: The Checklist
1. It’s a bank….you know Countrywide, Wells Fargo, Washington Mutual etc, Banks are not the low cost providers of mortgage money …big surprise, right! And they don’t have to disclose their overage (ie. YSP or SRP).
2. They don’t have you sign anything…no application, good faith estimate etc. (self-explanatory)
3. They have you sign blank documents. Signing blank documents is worse than no documents.
4. They are a friend or family member...once you learn the truth, so long friend.
5. They verbally lock loans…no lender lock confirmation. If they won’t send you a lender lock confirmation, they are hiding the YSP.
6. They play stupid or get irritated when you mention YSP (yield spread prem
Click fraud has become a major problem for online marketers. If you participate on Google adwords campaigns or Overture, you must already pay a lot for your campaigns.What is click fraud?Click fraud is the deliberate clicks to PPC search engine ads for completely other reasons than expressing interest for buying the related products or services.Overture defines click fraud as clicks arising for reasons other than the good-faith intention of an Internet user to visit a web site to purchase goods or services or to obtain information.Google defines click fraud, or invalid clicks, as any method used to artificially and/or maliciously generate clicks or page impressions.In simple words, Click fraud means that someone is cheating you a
2. They don’t have you sign anything…no application, good faith estimate etc. (self-explanatory)
3. They have you sign blank documents. Signing blank documents is worse than no documents.
4. They are a friend or family member...once you learn the truth, so long friend.
5. They verbally lock loans…no lender lock confirmation. If they won’t send you a lender lock confirmation, they are hiding the YSP.
6. They play stupid or get irritated when you mention YSP (yield spread prem
As a renter of over 23 properties I can tell you that the traditional way of doing a back ground check on potential tenets is in my opinion out dated and obsolete. I have on several occasions rented to persons, who if I would have had a better way of doing the back ground check on. I would not have rented to at all.As technology progresses there have been made available to the public better means of doing back ground checks that have saved me thousands of dollars. Not to mention the hassles of having to deal with irresponsible tenets who cause me nothing but grief.Let me tell you of on instance that accrued two summers ago with one of my tenets, who I did run a basic back ground check on. That showed me nothing of suspicion that would make me think t
5. They verbally lock loans…no lender lock confirmation. If they won’t send you a lender lock confirmation, they are hiding the YSP.
6. They play stupid or get irritated when you mention YSP (yield spread premium).
7. They promote loans with a pre-payment penalty. They make more YSP with a pre-payment penalty unless the lock confirmation shows otherwise.
8. They are uncomfortable or irritated discussing their compensation. If they can’t discuss and explain their total compensation without equivocation, run!
9. They push Adjustable rate mortgages (adjustable rate mortgage) when your hold period is 5 plus years or when the market has obviously changed to an increasing rate market.
10. They push an interest only loan when your hold period is 5 plus years or when the market has obviously changed to an increasing rate market. Interest only loans typically are used to obfuscate the underlying adjustable rate.
11. They push an FHA and/or VA loans when they haven’t attempted a conventional approval first. Conventional lending now provide 100% and bruised credit programs which formerly were the main reason for the FHA and VA programs. They are now obsolete.
12. They push a sub-prime or bruised credit loan without attempting an "A" credit loan first.
13. They do not get immediate computer appro
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