So it only took 6 days for my eldest son to lose his iPhone privilege. He has BEGGED me for a phone for over a year. 'All the kids have one' , 'I'm the only kid at school without one'....blah blah blah. So the day after school ended, he got one. It was time anyway. He got cold busted by his Dad that he and some neighborhood friends were prank calling businesses pretending to order pizza. 6 days. No iPhone, no iPad. I'm usually one to cave. Not now. Not when I only have 8 years before I release this kid to the world. No way. Accountability at its finest.
Speaking of 'releasing to the world'. How was the concept of online FAST/rocket speed pre approvals EVER allowed? This information, released to the public, the mere concept that you can submit an online application, and have a computer generated 'approval' to make an offer? Whoever invented that concept should be stopped. Its a total farce. How do I know this? My team receives on average FIVE 911 calls per week to save deals that other lenders can't do. It's heartbreaking.
Have your clients get a 2nd opinion! There is no cost, only time. Of the five this week, we told 3 to stick it out, stay the course. The other 2, we SAVED! They had been denied by other lenders 1 week before closing, and we turned them around. Closing next week!
-
Upcoming Realtor
Training Workshops
Lunch & Learn: Introduction to Mobile Technology
Monday June 13th
@ 11:30 am- 1:00 pm
-
Builder Panel- Trends In New Construction
Wednesday, June 22
@10:30 - 12:00
Location:
Legacy Mutual Mortgage
2500 City West Blvd, Ste 750
Houston, TX 77042
-
Breakfast and Learn!
Mock Loan App Step by Step Process
Thursday, June 16th
@ 9:30
Location:
Cafe Express
1101 Uptown Park Blvd, Suite 12
Houston, TX 77056
RSVP to Annette:
713-579-3606
|
Monday, June 13, 2016
How Are Computer Generated Approvals Even Allowed???
Monday, June 6, 2016
Things Happen When You Least Expect It!
The first official day of my kid's summer, my 5 year old fractured his left arm. Jumping happily on a trampoline, when he least expected it, his next 5 weeks changed in an instant. Cast above the elbow, 5 weeks, and its red. He also will NOT allow anyone to mark it or sign it. He wants the cast tidy and clean. The fruit does not fall far from the tree (I'm smiling).
Speaking of things happening when you least expect...that happens HOURLY in real estate. Ring a bell? That is why you should watch these two (2 min videos) about the TIMELINE, and WHY USING A LENDING TEAM IS IMPERATIVE.
Then, after that 4 minutes is over, download my Contract to Closing Checklist to the RIGHT. You will be glad you did. So it will only take you the next 10 minutes.
One of the many ways that I bring value to you! Our trusted referral partners. We want to bring you tools of efficiency, and ways for you to close more amazing transactions, so you can get another current client referral! No more internet and Zillow leads! Yipee!!!!!
-
Upcoming Realtor
Training Workshops
How to explode your business using the 10 Minute Realty app!
Wednesday, June 8th
@ 10:30am-11:30am
Location:
Legacy Mutual Mortgage
2500 City West Blvd, Ste 750
Houston, TX 77042
Builder Panel- Trends In New Construction
Wednesday, June 22
@10:30 - 12:00
Breakfast and Learn!
Mock Loan App Step by Step Process
Thursday, June 16th
@ 9:30
Location:
Cafe Express
1101 Uptown Park Blvd, Suite 12
Houston, TX 77056
RSVP to Annette:
713-579-3606
Thursday, June 2, 2016
We Saved This Deal; Don't Be Left Behind, Let Us Help!
We saved a deal this week! A 7pm (911) call from one of my realtors was so heartbreaking! The clients have had paperwork with a (big) lender...you can take a few guesses and be right......and its supposed to close Tuesday 5/31. So 7 days before closing, the loan is denied (it had JUST gotten to underwriting). We got the client in the next day, all the paperwork, and YES we are able to do the deal.
The reason? Well, they were not creative enough. Its a common theme when your buyers go to ONE company that has only ONE set of guidelines, theirs.
At Legacy, we represent dozens of lenders, and therefore, we have dozens of ways to do things!
Don't be left behind! Let us give a second opinion to your borrowers before its too late. It will cost them nothing but time.
-
Upcoming Realtor
Training Workshops
Tuesday, May 24, 2016
Millennial Home Buying & Why You Should Choose Us!
So my 10 year old got THREE behavior marks in one day. Oh brother. He is one of those extroverted kids, loves to make people laugh... Just at the wrong times. We've been working on timing since he was about 4. Poor little guy. He just loves to talk and talk and talk. I wonder where he got that from!?
So Mom had to have 'the talk' with him about real life. I figured he is old enough to know the truth. I asked him if he knew what an A player was. What a B player was? So then, I told him he was a C player (sometimes an A and sometimes a B...we just never know what we are gonna get). So that makes him a C. It's harsh, I know. But you know what? In 8 years I'm going to turn this kid over to the world! He needs to get it!
So tonight , yes, I will give him some TLC and tons of praise and hugs.
ON TO BUSINESS!
The Houston Business Journal, the week of April 22, had some great statistics out on Millennial Home buying:
82% Millennial Renters In Houston will want to purchase a home
72% of the same group say they cannot afford to buy a home.
6 years- The average time it would take a Millennial renter to save up a 20% down payment, based on current savings rates.
The good news is...they don't need 20% down! Call us today about 3% down programs up to $417,000! Also, we have a professionals program, 5% down to 1.5 million!
Their best bet is to get a consult with a lender asap. No cost at all or obligation!
-
Upcoming
Training Workshops
Brunch & Learn:
Strategies to Boost Your Financial Freedom
Wednesday, May 25th
@ 10:30am
Legacy Mutual Mortgage
2500 City West Blvd, Ste 750
Houston, TX 77042
RSVP to Annette:
713-579-3606
Monday, May 16, 2016
Drifting, Driven, or Directed; Which One Are You?
So many of you , my referral partners and industry friends, know that I am a coach for THE #1 lender/realtor coaching firm in the nation (www.thecoretraining.com). We are right now at the biannual summit in Orlando. Day 1 just ended, and I have so many notes I could go home right now!
An important nugget I will share to you for free! Today we talked about everyone is either one of three things: Drifting, Driven, or Directed. Which one are you? We are all three. Its human nature! It's common to weave in and out of all of them at given points in time.
Let me give you a hint. You want to strive to be more directed. It can be in the form of being directed by God, your spouse, your pastor, your boss, etc. We all have to answer to someone. If we do not, and are just driven, it can lead to selfishness, and chaos. Drifting leads to chaos as well.
So...what is the solution? Structure. That's why I am addicted to the Core training, and why I send you info on their webinars, etc. Pay attention to my stuff! I am handing you these nuggets on a silver platter for free guys. Our students pay $2500/mo to get this information.
Bottom line, you need to hang around me. I want to earn your trust. I want to be your trusted lender and mortgage consultant. I want to take care of you and your clients, and let my team give them an AMAZING experience, so you get another current client referral.
Hope to hear from you soon.
Upcoming
Training Workshops
Brunch & Learn:
Mock Loan Applications
Wednesday, May 18th
@ 10:30am
-
Brunch & Learn:
Strategies to Boost Your Financial Freedom
Wednesday, May 25th
@ 10:30am
Legacy Mutual Mortgage
2500 City West Blvd, Ste 750
Houston, TX 77042
RSVP to Annette:
713-579-3606
Tuesday, May 10, 2016
Rates are Rock Bottom Low; Call Me for Assistance on Running Numbers!
For you mom's out there- Happy Mother's Day!
Some Mom Trivia for you! Courtesy of FTD:
- Nearly 50% of mom's expect a gift from their spouse on this day.
- Only 6% of dad's feel that it is important to give a gift.
- 75% of mom's want flowers.
- Runners up are plants, jewelry, candy.
- Here are some top traditions around the world!
Now back to mortgage rates!
The past few weeks have been up and down for rates for sure! The bottom line is that rates are rock bottom low! Your buyers can still obtain unbelievable rates, and your sellers can maybe take advantage of appreciation, get a home equity to do the improvements to sell the house for top dollar! Call me if you need any assistance at all running numbers!
Read here about why mortgage rates are so low!
Upcoming
Training Workshops
Brunch & Learn:
Mock Loan Applications
Wednesday, May 18th
@ 10:30am
-
Brunch & Learn:
Strategies to Boost Your Financial Freedom
Wednesday, May 25th
@ 10:30am
Legacy Mutual Mortgage
2500 City West Blvd, Ste 750
Houston, TX 77042
RSVP to Annette:
713-579-3606
Tuesday, May 3, 2016
Appraisers Are Backlogged, But We Are Here If You Need Us!
Following up on flooding here in Houston:
All properties that were appraised BEFORE the flooding:
The appraiser must go back out to the property and re inspect to see if it flooded.
This is causing appraisers all over the city to be backlogged. Turn times are increased.
Stay in close contact with your lenders on turn times and expectations!
If you need us...we are HERE!
Send me your next buyer, I look forward to EARNING your business with our ability to close ON TIME, ACCURATELY, and with TONS of COMMUNICATION.
Check out our turn times :
FHA/CONV- 30 days
VA- 40 days
Jumbo - 40 days
-
Upcoming
Training Workshops
Brunch & Learn:
Trials & Tribulations
of Applying for a
Mortgage Loan
Wednesday, May 18th
@ 10:30am
Legacy Mutual Mortgage
2500 City West Blvd, Ste 750
Houston, TX 77042
RSVP to Annette:
713-579-3606
Subscribe to:
Posts (Atom)