Realtors Connect

Realtors discuss their experiences afer the financial and housing market changes.

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Latest Activity: Oct 22, 2012

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Comment by Shirley Rushing on May 8, 2010 at 4:17pm
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Comment by Kandace Wilson on April 18, 2010 at 12:31am

With technology evolving, video marketing and social media becoming increasingly popular, our effective marketing solution allows agents to reach a wider target audience online, providing a unique competitive advantage, as well as leaving a professional and lasting impression with the vendor. Our unique videos are developed to give agents the ability to effectively promote new property listings through video, in order to maximize their advertising efforts and follow up with potential buyers. Set yourself apart from the competition a boldly showcase your property with a full motion video production. Click Here to get your FREE Video Property Listing TODAY!

Comment by Kandace Wilson on April 14, 2010 at 1:52pm
With technology evolving, video marketing and social media becoming increasingly popular, our effective marketing solution allows agents to reach a wider target audience online, providing a unique competitive advantage, as well as leaving a professional and lasting impression with the vendor. Our unique videos are developed to give agents the ability to effectively promote new property listings through video, in order to maximize their advertising efforts and follow up with potential buyers.
Set yourself apart from the competition a boldly showcase your property with a full motion video production.

Click Here to get your FREE Video Property Listing TODAY!

Comment by Hardest Working Woman In Credit on November 4, 2009 at 12:03pm

Stop by and join the fan club at Make sure you re-post the videos and forward the videos. It's time for change and millions of people do not know the truth about credit. The BLAME is on the consumer. But who forgot to TEACH THIS IN OUR SCHOOL SYSTEM AND COLLEGE.

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Comment by Hardest Working Woman In Credit on April 29, 2009 at 1:21pm

In my research, one of the errors with student loans is duplicated loans. Years ago, prior to the wake of Identify Theft, most of the student loan ACCOUNT numbers were with your social security number.

Let me give you an example. Let's say you opened an account in 2000. Your account number was your social security number. Therefore, whenever you applied for CREDIT, your social security number was on you credit report with the SS#.

Around 2004, Sallie Mae and others decided to protect YOU, and changed all your ACCOUNT numbers to a NEW ACCOUNT NUMBER. When this change happened, you ended up with the old account (SS#) and then a new account. Thus, having two accounts reporting on your file. In reality, you should have ONE loan.

How does a duplicated account affect you? Well, the FICO SCORE, takes into consideration the # of installment acccounts, when it pulls your score.

Take a look even further. Lets say you have four loans, Well, now you have EIGHT showing on your file, when it should only be four.

How does this affect your ability to apply and get approved for a loan. Well, if your payment amount(DEBT) is $100.00 dollars a month on ONE loan. It would reflect that you are paying $200.00 dollars a month. This means not only is the duplicate account wrong but you DEBT RATIO is wrong.

When your DEBT RATIO IS WRONG. Your appear to be in alot of DEBT, when you really are not.



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Comment by Hardest Working Woman In Credit on February 2, 2009 at 1:33am
I would love to network with members in the Tallahasse area. I will be there on 2-5 and 2-6. I have been very busy writing and blogging trying to keep up. Thank you all for all the comments on my birthday.. my webpage is

I am currently helping church families in need of assistance for the economic crisis that we are facing. please see my website for further details. Currently, for the month of February I am helping two members from any church. Spread the word...

If there is anyone in the Orlando area, please email me for your events for support as we get through these difficult times.

I don't want to make this long, but I want to share this with you. So, if you are homeowner REVIEW YOUR CONTRACTS...
I had a client with a house of 132,000 initially price of the home. The interest rate was over 12%. When she finishes the loan will end up being over 732,000. I cannot believe what I see when I see contracts like that. We can only grow and rebuild with education and support of each other. Like, Obama said in his statement: "he is looking for ordinary ciztens to help rebuild our economy". The smarts guys have already played us and lead us the wrong way. Change is coming, but only if we change the way we do things. Please spread the word about the cite.
Comment by Yvonne Long on January 5, 2009 at 8:08pm

Mortgage rates fall to third straight record low Mortgage Rate Trend Index

Mortgage rate experts polled by last week don’t know what to expect. While 40 percent predict rates will continue to fall, 30 percent foresee and increase and the remaining 30 percent expect no change of the next 30 to 45 days.

WASHINGTON – Jan. 5, 2009 – Rates on 30-year mortgages fell to a record low for the third straight week and borrowers took advantage of the drop, sending new applications soaring.

With the Federal Reserve on the verge of pouring hundreds of billions of dollars into the devastated U.S. housing market, mortgage rates have plunged to the lowest level since Freddie Mac started tracking the data in April 1971.

Low rates are a great opportunity for borrowers with solid credit and plenty of equity in their homes. But those in danger of foreclosure are still sidelined, and defaults are expected to keep rising in the coming months.

Freddie Mac reported Wednesday that average rates on 30-year fixed mortgages dropped to 5.1 percent this week, down from the previous record of 5.14 percent set last week. It was the ninth straight weekly drop. The survey was released a day early due to the New Year’s holiday.

Mortgage rates have plunged by about 1.3 percentage points since late October, Freddie Mac said. For a borrower taking out a $200,000 loan, that means a savings of more than $170 in monthly payments, according to Frank Nothaft, the mortgage finance company’s chief economist.

Meanwhile, mortgage applications last week remained at the highest level in more than five years, the Mortgage Bankers Association said.

The trade group’s weekly application index was essentially unchanged for the week ending Dec. 26. Applications surged earlier this month to the highest level since July 2003, when refinancing activity boomed at the peak of the housing market.

More than 80 percent of applications came from borrowers looking to refinance at more affordable rates, the trade group said.

Interest rates have plunged since the Federal Reserve pledged last month to buy up mortgage-backed securities in an effort to bolster the long-suffering housing market. The Fed, starting early next month, will buy up to $500 billion in securities guaranteed by the government-controlled home loan giants Fannie Mae, Freddie Mac and Ginnie Mae, a federal agency.

“It’s a huge number,” said Derek Chen, an analyst at Barclays Capital, who noted that mortgage rates are still high when compared with yields on long-term Treasury debt.

With the Fed and Treasury Department buying up a significant portion of the new mortgage securities issued by Fannie and Freddie next year, that gap, or spread, could narrow.

If that happens, mortgage rates could fall further, possibly as low as 4.5 percent, Chen said.

The average rate on a 15-year fixed-rate mortgage dropped to 4.83 percent, the lowest point since March 2004. That rate was 4.91 percent last week, Freddie Mac said.

Rates on five-year, adjustable-rate mortgages rose to 5.57 percent, compared with 5.49 percent last week. Rates on one-year, adjustable-rate mortgages fell to 4.85 percent, from 4.95 percent last week.

The rates do not include add-on fees known as points. The nationwide fee for 30-year, 15-year mortgages and five-year adjustable rate mortgages averaged 0.7 point last week, compared with 0.5 point for one-year adjustable-rate mortgages.

Meanwhile, home prices dropped by the sharpest annual rate on record in October and there are no signs the housing pain is over.

The Standard & Poor’s/Case-Shiller 20-city housing index, released Tuesday, fell by a record 18 percent from October last year, the largest drop since its inception in 2000. The 10-city index tumbled 19.1 percent, its biggest decline in its 21-year history. Prices are at levels not seen since March 2004.

Copyright 2008 The Associated Press, Alan Zibel (AP Real Estate Writer). All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Related Topics: Mortgage rates
Comment by Yvonne Long on January 3, 2009 at 10:14am
Winning More Business in Today's Soft Market!

The experts are now talking recession, and you can almost hear the collapse of sales funnels everywhere. Salespeople in every industry are complaining about how difficult it is to close business in this slowing economy. This doesn't come as a big surprise.
Less than half of today's sales professionals have ever weathered a true economic downturn. These folks learned how to sell in the nifty '90s which was one of the longest business expansions in U.S. history. Hey, it's not that hard to hit quota with double digit market returns and huge growth in the number of new jobs. But what should you do when the economy starts to tap the brakes as it has?
Rule one -- don't blame the economy. People still have to buy goods and services no matter what the economy is doing. They may buy differently, they may buy less, but they still have to buy. If you can't convince prospects that what you're offering is a solid investment or an excellent value, maybe the problem is closer to home.
Let's look at this a different way. The major objection most salespeople face during slow times is, "I have no money." How is that possible? If your customer has no money then they're not living or they're out of business. What they are really saying to you is, "I don't see the value."
What can you do to close more business in a slowing economy?

By: Tim Wackel,
Comment by Yvonne Long on January 2, 2009 at 12:56pm
Happy Selling!

5 Ways to Meet Seller Needs with Tough Love
The only home that's going to sell in this economy is the one that's priced right, and it's up to you as the real estate agent to prepare sellers for the competition they inevitably will be facing.
Recent real estate figures stack a pretty tall deck against speedy sales and big profits in many markets around the country. National Association of Realtors' research shows existing home sales down 10.7% from a year ago and estimates a more than 10-month supply of properties currently on the market across the U.S.
Now, the numbers, of course, don't mean every sale is going to be an uphill battle, but you want to make sure your clients aren't working against themselves.
Lending has tightened up, but the buyers who are out there are qualified. Helping sellers set realistic expectations up front increases their chances of appealing to those buyers, and it also increases your chances of reinforcing client relationships and having a positive effect on your local market.
Here's some food for thought when preparing for that first meeting with your prospective sellers:
1. Determine if the sale is necessary. It's not unheard of for homeowners to think about putting their property on the market "to see what happens." You'll best serve all sellers -- and your credibility, as well -- by discouraging this sort of experimentation. Remind would-be "market testers" that equity will rebound, and they'll be far better off selling at that point if they are not truly motivated now.
2. Prepare a detailed pricing summary. Consider multiple angles such as comparables, the neighborhood's outlook and client circumstances to set a recommended price range. Remind your sellers that only a person, not a computer, can properly price a home and take all variables into consideration. And as you know, it's the market, not the cost of upgrades or the mortgage balance, that determines a home's worth.
3. Discourage regular price reductions. You get only one chance to make a first impression -- and that goes for homes debuting in the MLS, too. Make sure your sellers know that the greatest interest in a property comes in the first weeks it's listed. Frequent re-pricing prolongs the listing duration and leaves potential buyers questioning a home's true value. And motivated buyers looking in a lower price range may never realize the overpriced listing is even an option.
4. Stage every property. When knick-knacks, quirky paint choices and overly visible personal items greet visitors at a showing, the potential buyers have a tough time picturing a home as their own. Urge your sellers to consolidate and simplify, creating even greater value and appeal.
5. Learn to say no. One of my favorite dialogues for overcoming price objections and, if necessary, exiting gracefully without the listing, is "Mr. and Mrs. Seller, I'd rather turn you down today than let you down in six months." You're not doing your sellers or your reputation any favors by taking an overpriced listing that takes twice as long as it should to sell. And that's just as true in this market as it is in a more favorable one.
Show you're a true professional by advising and guiding sellers confidently, wisely -- and firmly. That's the tough love part. They'll thank you for it in the end.

article written by
This copy of The Daily Communicator was brought to you by Kevin Byrd at Amerisave Mortgage
Comment by Yvonne Long on January 1, 2009 at 7:29pm
Hello Fellow Realtors: Came acoss this article and I thought it was a good read, in these economic times everything we can do to boost sales is a plus!

God Bless!

The Flyer that Converts Expired Listings - A Different Approach
By James Kimmons,

Expired Real Estate Listings

You're Not the First - Expect Negative Impressions:
The fact that the listing has expired indicates there was some problem. Either price, condition, marketing, agent neglect, or any number of factors can be involved. The prospect might not have the highest regard for the real estate profession right now, whether deserved or not. This is more of an opportunity than a problem, as an approach that positions you differently than those who came before will serve you well.
When People Have Problems - They Hire Consultants to Help:
This approach is one of a consultant who is available to help the seller in solving their problem - a home that hasn't sold. Success in this business will ultimately result from helping sellers to sell and buyers to buy real estate. Your value isn't as a sales person, but more as a problem solver. This involves getting to know the prospect and their requirements. Though you can get business from friends and relatives, your long term success will come from referrals from very satisfied clients who valued your help.
Help the Seller Move Past the Emotional and Toward the Business of Selling:
Yes, many sellers love their homes. Emotion and stress are involved in this large transaction and a move to another home or area.
As a professional consultant, hired to help them solve their home sale problem, we need to move them away from emotion and toward pragmatic business decisions involving the look, condition and pricing of their home. The flyer and formula presented here will help that process. Here's a downloadable MS Word flyer for you to use and modify.

Lead the Seller to a Logical Decision Based on the Facts and Market:
This flyer is geared to do a great deal of your work for you, before you ever speak to them. The Market/Property Profile Formula shows the forces that influence whether their property sells as well as time on the market. It leads them to understand which forces they can control and which they cannot.
Presenting the formula in the flyer gives them the time to think it through and hopefully come to the realization that changes need to be made by them in order to get their home sold in a reasonable period of time. When you get the call, just help them with the mechanics.

Offer the Data and Interpretation They Need to Get the Job Done:
The flyer leads them to an understanding of how the market works, tells them what they need to know and the data they need, then offers that data and the consulting help to interpret it. This is Sales 101:
• Define the problem - The home hasn't sold and why

• Offer solutions - Data and interpretation to make decisions

• Call to action - Your contact information and invitation to help

Arrive at the Appointment Ready to Take the Listing:
You're not there to beg for business. You're not there to sell them something. You're an expert in your field, there to solve their problem and get their home sold.
Bring your listing agreement, camera and whatever else you need to take the listing. You'll be glad you did.

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