Jul21news08

Are your sellers pre-approved for their next purchase? This is a really important thing to know in this market. They really need to find out their status to make sure that they can even buy another home if you help them sell theirs. This could jeopardize a whole lot of time and money not to mention, frustration and time you could have been working with someone else.

So, as a quick courtesy and as part of your service to them in your listing presentation, mention that you will have your personal Senior Mortgage Advisor (me, I hope) call them for a quick financial status of their selling and buying scenario!

With my review, I'll also help you establish good guidelines for the asking price that they must hit to make their sell and future purchase work. I'll always promote you in helping you with your rapport with your sellers too! I understand relationship sales.

Also, and this is very important to you, by getting involved in their NEXT PURCHASE this way, you are more likely to get a REFERRAL out of it too!!!

Let's work smarter instead of just working a lot harder to make a living in this business. Things are going to get better soon and if you stick this out, you are going to be a big beneficiary of this housing recession. Hang in there and call me to help you with your deals!!

Senior Mortgage Advisor

910-489-6918 or

843-230-7929

__________________

Call me!

During a regional meeting last week, my team got to hear from Ester Acker, Community Education and Outreach Coordinator with Consumer Credit Counseling Service of Fayetteville. During her presentation we learned that even a $1 medical collection or a recent late can impact a credit score by as much as 100 points depending on the current credit history.

With the tightening of the credit industry and with the better reporting of collections, etc., by collection agencies and creditors, we all need to be on top this. Good advice for everyone is to check your credit score annually for free at www.annualcreditreport.com

For anyone that is in trouble with their credit or their mortgage, there are several non-profit credit counseling offices nearby such as:

CCCS of Fayetteville
316 Green Street, P.O. Box 2009
Fayetteville, NC 28302
Appointment #: (888) 381-3720

CCCS of Fayettville, Southern Pines Branch Office
235 E. Pennsyvlania Ave.
Southern Pines, NC 28387
Appointment #: (877) 868-3288

CCCS of Lumberton
4850 Fayetteville Rd., Ste 18
Lumberton, NC 28358
Appointment #: (877) 671-4502

Credit Counseling of Florence, a Program of Consumer Credit Counseling Service
1621 W. Palmetto St.
Florence, SC 29501
Appointment #: (800) 223-9213

CCCS of Fayetteville, Sanford Branch Office
403 W. Makepeace St.
Sanford, NC 27330
Appointment #: (877) 686-2101

CCCS of Fayettville, Smithfield Branch Office
245 College Rd.
Smithfield, NC 27577
Appointment #: (877) 870-4877

Credit Counseling of Sumter, a Program of Consumer Credit Counseling Service
31 E. Calhoun St.
Sumter, SC 29150
Appointment #: (803) 774-1314

Family Services CCCS
United Way of Horry County, 761 Century Dr.
Conway, SC 29526
Appointment #: (800) 232-6489

Fees range from FREE to around $75 depending on the services they require.

For realtors in the Fayetteville area, there is a free 2 hour seminar that you can attend August 4th as follows:

cccsflyer

Try to attend if you can for your personal knowledge and for your business.

For the national website for the National Credit Counseling Agency, go to: http://www.nfcc.org/

* Just be aware that lenders frown on seeing CCCS on credit reports because it indicates there is a problem managing money. So if a Consumer Credit Counseling Service helps people with their credit, be aware that certain services can prevent borrowers from getting a mortgage for several months. The CCCS advisors will explain this before they begin their work and many services they provide do not show up on credit reports. But for many, their help is the only way borrowers may have to ever get to a position that they can qualify.

Want to jazz up your website? Add the "get approved" graphic below and then put my website link in the properties of the image as follows. Call me if you need help with this.

Want to give the perfect fisherman gift!

Want to know how fisherman know where and how deep to fish? They have fish finders so they know where the fish are! And now they have neat breaking-tail lures like I saw on TV tonight guaranteed to catch 3 times more fish or your money back. They leave nothing to chance and if the fish are not around, they move on to another spot. They don't waste time on a dead spot!

This approach is not as easy for you in real estate as you are prospecting for buyers but there are some things you can do such as:

Put your name riders on your listing signs with your phone number.
Put out some of our free listing sheets in your sign boxes.
Develop a great and current website to attract online buyers.
Get involved in the community so your name is circulating more.
Keep in contact with past clients on a regular frequency.
Develop a service provider network and work it regularly.
Make sure to ask current clients for referrals often.
Provide the very best service you can 100% of the time.
Wear your badge & hang out in high-end places where the big fish are!

The point here is to think more about when and where good buyers are likely to be and then pull out your best "lures" and go after them. You may not have a "home buyer finder" watch to spot a buyer, but if you keep your antennas up and wear a smile in the right places, you'll have much better success.