Realtor Tips
Don’t cash in retirement account for down payment!
Homebuyers frequently use retirement money toward the down payment on a house. But think before you leap. Buyers justify this by saying they want to cut the monthly mortgage payment and have a smaller mortgage. Buyers also use this tactic to avoid having to take out what’s known as a jumbo mortgage, which generally comes [...]
What a great marketing idea!!!!!
Especially good if you have a listing under $810,000!!! Offer your home to the public with 10% down and no mortgage insurance. Many buyers are not coming in with 20% down, and are adverse to paying MI (Mortgage Insurance). And who blames them? It is getting more expensive every month ($250-$450 a month) and [...]
No limit on your investment property portfolio!!!
DON’T TURN AWAY INVESTOR CLIENTS!!! STATED INCOME FOR NON-OWNER OCCUPIED??? NO LIMIT TO AMOUNT OF FINANCED PROPERTIES!!! WOW!!!! As you may have heard, FannieMae and FreddieMac have been implementing new guidelines regarding non-owner occupied transactions. There was a time when an investor could own as many investment properties as they wanted with [...]
The Government has our Fannie covered!
Last weekend, our government announced a “bailout” of both FANNIE MAE and FREDDIE MAC. This is an important event in our industry. I want to be sure I connect with you on some of the details, and answer any questions you may have. What is Fannie Mae & Freddie Mac? In simple terms, Fannie Mae and [...]
New Realtors need only one thing!
Congratulations on your decision to choose a career in real estate! In the last 21 years in the mortgage field I have observed hundreds, if not thousands, of people get into the real estate sales, and I have also witnessed the subtle difference between those that obtain unbelievable success, and those that simply eek out [...]
Doing Something Different, ANYTHING DIFFERENT makes the Difference…!
4th Tunnel Thinking If you put a rat in front of a bunch of tunnels and put cheese in one of them, the rat will go up and down the tunnels looking for the cheese. If every time you do the experiment you put the cheese down the fourth tunnel, eventually you’ll get [...]
High net worth client makes million dollar mistake!
Most of my high net worth clients purchasing Danville real estate are not familiar with IRS Publication 936 which states, if you buy a home “all cash” with no mortgage, you have only 90 days from the closing date to obtain a mortgage in order to receive any deductibility of that interest paid on that mortgage. [...]
Mortgage Myths, Facts, and Fallacies…
If you are uninformed, or misinformed, it will amount to the same thing…less business for you. Allow me, fellow real estate professionals, to clarify a few points regarding the current world of mortgage finance. This is very important stuff… The most important thing to know is that you cannot let your client do whatever you [...]
It’s Just 10 Minutes a Day…
The Winning Edge For a professional Realtor the winning edge is about doing the little things that make the biggest difference. The little things that in the long run add up to a lot! Most fail in this area because they are not convinced it’s the little things, they still believe it’s the big things. Take note, [...]
Brett Interview’s Century 21 Marty Rodriguez on Success!!!
Hello Danville Friends! Brett Interview’s Marty Rodriguez on Success in USA for 11 years and #1 in The WORLD for 4 of those 11 years! Marty Rodriguez Says… Marty Quick Facts (2 minute read) In an age where having a personal mission statement has all but become passé, Marty Rodriguez, owner of Glendora, Calif.-based Century 21 [...]
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Featured Realtor
Julie Whitmer
J. Rockcliff Realtors
Website
julie@juliewhitmer.com
(925) 855-4033
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