The Bubble Effect
Turn on the TV at almost any time day or night and you will find news and talk shows informing us that there is a Real Estate bubble. What is a bubble and how do they know? The simple principle of what goes up must come down is being applied in general thought now and many in the public are ... more...

What is the PayOption ARM?
Imagine an adjustable rate mortgage that allows you to pick one of four payment options on your monthly mortgage bill. It is an ARM on which the interest rate adjusts monthly and the payment adjusts annually, with borrowers offered options on how large a payment they will make. The options include ... more...

Evaluate Your Customer
When a customer walks into your office, dont sell them the first product that comes to mind. Sit them down and evaluate their needs, than sell them the products that meet their needs.I once worked with a guy in the banking industry, who was one of the best at explaining the benefits and features of ... more...

Home Equity Loans
A home equity loan allows you to cash-in on the equity you have built-up in your home. The funds you receive can be used for debt consolidation, home improvement, college education, investments or any purpose. With a home equity loan your home is used as collateral to secure the loan. If you ... more...

Getting Passed the Gate Keeper
We all know the feeling of going out to make our cold calls, only to be shot down by the person at the front desk who looks at us as nothing more than a solicitor.These front desk people would be otherwise known as the gate keepers.Lets face it, getting passed the gate keeper can be tough, we are ... more...

Life Insurance Fears Post the London Bombings Tragedy
Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed quickly and sympathetically. This need for reassurance came in light of concerns that many victims of the blasts would not be ... more...

Credit Suicide
Few things influence the home buying process more than your credit. I like how Clark Howard refers to the three credit repositories as, the three screw-ups. There is some validity to that, and hopefully recent legislation will help clean up many of the inaccuracies. Regardless, lenders need a ... more...

Fixed Rate or Adjustable?
Fixed rate or adjustable rate mortgages are two choices of mortgage loans that most lenders will offer you. Your financial situation, how long you plan to live in the home, the current interest rates, and what risks you are willing to take is the best way to decide which loan makes the most sense ... more...

Refinancing Your Home - Is the Time Right?
Refinancing your home is a major decision not to be taken lightly, even in this era of low interest rates and easy money. While every mortgage company in town is touting the strategy of getting a new loan before rates rise again, there are several things you'll want to be mindful of before you go ... more...

Needs Based Selling
I am sure you are familiar with the phrase, I could sell ice cubes to an Eskimo. First, allow me to personally congratulate anyone out there who has sold ice cubes to an Eskimo, for I believe this to be quite a difficult task to accomplish.You would have to be one heck of a sales person to ... more...