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Learning from the past: Broker thrives amid market shifts

March 29, 2023 by Brett Tams

Key to the success of the changed focus is a strong database, he said. “That’s another huge thing,” he said. The company’s branding, coupled with a continually updated database have helped navigate through the choppy waters: “And treating people like family has helped,” he added. “We’ve massaged our clients the entire time. “We’ve really worked … [Read more…]

Posted in: Refinance, Savings Account Tagged: 2021, branding, Broker, Buying, Buying a Home, company, Competition, Family, Financial Wize, FinancialWize, good, heat, home, industry, Loans, market, Mortgage, Mortgages, one year, or, Other, Personal, pretty, Purchase, Refinance, Reverse, reverse mortgage, reverse mortgages, Side, time, trends, volume, will

‘It doesn’t seem fair’: Why millions of Aussies with student loans are about to be hit with more debt – 9News

March 29, 2023 by Brett Tams

‘It doesn’t seem fair’: Why millions of Aussies with student loans are about to be hit with more debt  9News

Posted in: Savings Account Tagged: 2022, 2023, All, average, balance, banks, borrowing, Breaking News, Broker, brokers, Buying, Children, choice, color, cost, Cost of Living, Credit, credit card, Crisis, data, Debt, debt-to-income, Debts, decades, deposit, Employment, Financial Literacy, Financial stress, Financial Wize, FinancialWize, Free, Giving, good, history, home, home loan, home loans, Income, income level, Inflation, interest, interest rates, job, jobs, language, Life, Live, Living, loan, Loans, Make, making, market, Media, money, More, Mortgage, Mortgage Broker, new, News, office, or, pandemic, place, property, Psychology, Raise, rate, Rates, repayment, return, right, rise, savings, sc, School, second, soaring, social, Social Media, stress, student, student debt, student loan, Student Loans, students, tax, time, victorian, wages, walking, will, working, young, young people

Database Mgt., Pre-Funding and Post-Closing QC Tools; NMLS Change? Ag, Non-QM, DSCR, Reverse, Lock Program News

March 29, 2023 by Brett Tams

John F. Kennedy has been gone nearly 60 years, and Jackie Kennedy (Onassis) nearly 30, but the couple still resonates with people. The first home that they owned as a married couple is for sale in Washington DC. If you’re ever in a guessing game about the most expensive places to live in the United States, stick with the safe bets: New York and anything California. Seems the press has latched on to declining home sales, but declining due to high prices, lack of inventory, or lack of buyer’s interest? Other stories indicated increasing home sales, but in certain price ranges, more builder inventory, or continued Millennial first-time home buyer interest? Take your pick. Meanwhile, lenders and originators have their continued regulatory speedbumps. Orrick reports that, “The Conference of State Bank Supervisors (CSBS), on behalf of the NMLS Policy Committee, issued a request for public comments on proposed uniform state licensing standards for mortgage companies. The Proposal: Mortgage Business-Specific Requirements would create a national standard for mortgage industry licensing to help improve uniformity within the state system and streamline the licensing process for mortgagees seeking licensure in multiple states.” (Today’s podcast can be found here and this week it’s sponsored by MGIC. Since 1957, MGIC has insured more than 13.5 million mortgage loans with innovative products, tools and strategies that help customers solve problems and fuel growth. Explore tools and solutions to boost your business here. Listen to an interview with Townstone Financial’s Barry Sturner and Garris Horn LLP’s Richard Horn on the CFPB’s recent judicial failures.)

Posted in: Refinance, Renting Tagged: 1099, 2, 2022, 2023, 30-year, active, actual, advisor, agents, AI, All, allowance, android, app, apple, Applications, Apps, auctions, author, Bank, bank statement, bank statement loans, Banking, banks, Barry Sturner, bedroom, before, Benefits, borrowers, bridge, Broker, brokers, build, builder, builders, Built, business, Buy, buyer, buyers, california, Capital markets, Career, career paths, CFPB, chance, choice, closing, Commentary, Commercial, company, Compliance, condo, correspondent, couple, Credit, Credit risk, credit score, Customer Engagement, Debt, decisions, Delinquencies, Deposits, design, double, dream, DTI, Economy, education, engagement, equity, estate, excellence, expensive, experience, facebook, Fannie Mae, FDIC, fed, Federal Reserve, FHFA, fico, Financial Wize, FinancialWize, first home, first time home buyers, first-time home buyer, floor, Free, funds, gap, Georgia, get started, gift, Google, government, growth, Guaranteed Rate, HELOC, hold, home, home builders, home buyer, home buyers, home loans, Home maintenance, Home Sales, home value, homebuyer, Homebuyers, homeowners, homeownership, homes, house, Housing, Housing market, id, Income, index, indiana, industry, Inflation, interest, interest rate, interview, inventories, inventory, Investor, investors, iOS, iPhone, job, job market, jobs, Land, Learn, legacy, lenders, lending, liquidity, Live, loan, loan officers, loan programs, Loans, locks, low, maintenance, Make, making, manufacturing, market, Marketing, markets, married, MBS, md, Media, meta, millennial, Misconceptions, mobile, Mobile App, model, Monetary policy, More, Mortgage, mortgage loans, Mortgage News, mortgage professionals, Mortgage Rates, mortgage servicing, Mortgages, Most Expensive, Move, MSR, needs, new, new technology, new york, News, NMLS, non-QM, offer, offers, Opinion, opportunity, or, Originations, Other, pa, percent, Personal, podcast, points, poor, portfolio, portfolios, premium, present, price, priced in, Prices, proactive, products, Professionals, programs, projects, property, protect, QC, quality, rate, RATE LOCK, Rates, reach, ready, Real Estate, Real Estate Agents, realtor, Refinance, Regulatory, Relationships, Rent, rental, Rentals, Residential, Revenue, Reverse, reverse mortgages, Review, right, rise, risk, routine, running, safe, sales, Sales Boomerang, second, self-employed, Sell, Senate Banking Committee, Servicing, shares, short, short-term rental, Silicon Valley, silicon valley bank, simple, single, social, Social Media, sofi, Software, states, storage, stories, Strategies, Technology, the fed, time, title, tools, Townstone Financial, traditional, Treasury, Twitter, under, Underwriting, unique, united, united states, update, vacation, value, washington, Washington DC, Webinar, white, will, work, working

1042: RERR Highlights – The Best Real Estate Podcast Clips of April 2022

March 28, 2023 by Brett Tams

Want a quick, easy-to-digest overview of the best real estate podcasts of April 2022? Tune in to today’s episode and find out what you may have missed! You’ll also get some of our April interviewees’ top real estate tips, including tips on getting new business, building better client relationships, and tackling the day’s most challenging tasks. 🚨🚨Register for the Real Estate Rockstars Mastermind in May!🚨🚨
➡️➡️https://bit.ly/RERmastermind

Posted in: Small Business Tagged: 2022, advice, agent, Broker, bubble, building, business, Conferences, CRM, estate, experience, facebook, Financial Wize, FinancialWize, follow up boss, guests, Housing, housing bubble, Housing market, How To, id, Instagram, Learn, leasing, Life, market, More, Multifamily, new, or, Planning, podcast, questions, Real Estate, real estate tips, Relationships, Review, sales, sellers, space, tips, Twitter, value, working

Today’s refinance rates dip – March 27, 2023 – Bankrate.com

March 28, 2023 by Brett Tams

Today’s refinance rates dip – March 27, 2023  Bankrate.com

Posted in: Renting Tagged: 15-year, 15-year mortgage, 2, 2021, 2022, 2023, 30-year, 30-year mortgage, All, average, balance, Bank, Banking, before, big, Borrow, borrowers, borrowing, Broker, Budget, build, business, calculator, choice, closing, closing costs, color, Consumers, coronavirus, cost, Credit, credit score, credit scores, Crisis, data, Debt, debt consolidation, double, education, equity, exercise, existing, experience, experts, Fall, fed, Federal Reserve, Fees, Finance, Financial Wize, FinancialWize, financing, fixed, funds, future, General, good, history, home, home equity, Home Improvements, home loan, homeowners, hot, Housing, Housing market, How To, improvements, index, industry, Inflation, interest, interest rate, interest rates, Learn, lenders, Life, loan, Local, low, low rates, LOWER, Make, market, money, More, Mortgage, Mortgage Broker, mortgage calculator, mortgage lender, mortgage market, MORTGAGE RATE, Mortgage Rates, mortgage refinance, Mortgages, Move, multiple offers, new, new home, offers, one day, or, Other, ownership, pandemic, payments, peace, percent, Planning, points, principal, Quotes, Raise, rate, Rates, Refinance, refinancing, repayment, Research, right, rise, save, Save Money, Saving, savings, searching, second, shopping, short, Silicon Valley, silicon valley bank, Spending, stage, the fed, time, timeline, Treasury, trend, value, versus, will, work, working

7 Best-Performing Utility Stocks of March 2023

March 28, 2023 by Brett Tams

Utilities stocks may act as a stabilizing — and income-generating — force within your portfolio.

Posted in: Investing, Moving Guide Tagged: 2, 2022, 2023, All, analysis, assets, author, average, Bank, bank account, Benefits, big, Blog, Broker, brokerage, brokerages, Buy, Buying, cars, Clean, climate, Commercial, company, cons, currency, data, diversification, diversify, dividend, dividends, electric, electric cars, energy, environmental, ESG, ETFs, Fees, Financial Wize, FinancialWize, Florida, Free, fund, funds, future, gas, goal, Going Green, government, green, growth, health, heat, history, homes, How To, impact, Income, industry, Invest, Investing, investment, investments, investors, IRAs, Learn, LLC, low, making, market, markets, More, Morningstar, natural, nerdwallet, net-zero, new, new york, offer, offers, opportunity, or, Other, past performance, payments, plants, portfolio, present, pros, Purchase, rate, reach, Recession, retirement, retirement accounts, return, returns, rise, risk, roth, schools, shares, social, stable, stock, stock exchange, stocks, storage, sustainable, target, tax, tax benefits, taxable, time, tools, traditional, under, utilities, value, will, working

SIPC vs. FDIC: Understanding Key Differences

March 28, 2023 by Brett Tams

Whether you’re saving money in a bank account or investing it in the market, you want some reassurance that it’s safe. The Federal Deposit Insurance Corporation (FDIC) and the Securities Investor Protection Corporation (SIPC) ensure banks and other financial institutions, … Continue reading →

The post SIPC vs. FDIC: Understanding Key Differences appeared first on SmartAsset Blog.

Posted in: Investing, Money Basics Tagged: 2, 2021, 2023, 429, Administration, advisor, All, app, apple, ask, assets, author, balance, Bank, bank account, bank accounts, Banking, banks, before, Blog, Broker, brokerage, brokerages, business, buyer, Buying, categories, CD, certificate of deposit, Checking Account, Checking Accounts, Children, citibank, commodities, company, Consumers, contracts, cost, Credit, credit cards, credit union, Credit unions, data, decades, deposit, discover, entry, estate, Estate Planning, event, evergreen_simplefeed_delay, experience, facebook, FDIC, FDIC insurance, Federal Deposit Insurance Corporation, Finance, Financial Advisor, financial advisors, Financial Goals, Financial Wize, FinancialWize, Free, funds, futures, get started, goals, Google, helpful, home, home buying, hot, id, index, Insurance, insurance coverage, interview, Invest, Investing, investment, investment portfolio, investments, Investor, investors, lake, Learn, Main, Make, Managing Your Money, market, married, Media, meta, mobile, money, money market, More, NCUA, new, News, north carolina, offer, offers, or, Other, ownership, payments, pension, Personal, personal finance, place, Planning, points, portfolio, property, protect, protection, Purchase, ready, Real Estate, reddit, retirement, right, safe, safety, Saving, saving money, savings, Savings Account, Savings Accounts, securities, securities investor protection corporation, shutdown, single, SIPC, sipc vs fdic, Small Business, social, South Carolina, spouse, startup, stock, student, Style, time, tips, title, tools, Twitter, under, value, virginia, withdrawal

LendingTree Review for 2023 – The Mortgage Reports

March 28, 2023 by Brett Tams

LendingTree Review for 2023  The Mortgage Reports

Posted in: Savings Account Tagged: 2023, affordability, Applications, assets, Auto, Auto Loans, average, Bank, before, borrowers, Broker, business, Buying, Buying a Home, Calculators, closing, color, company, comparison shopping, Consumer Affairs, country, Credit, credit cards, credit score, credit union, discover, down payment, Fees, Financial Wize, FinancialWize, Free, get started, getting a mortgage, helpful, home, home loan, home loans, Home Price, home value, id, interest, interest rate, investment, investment property, lenders, lending, LendingTree, Life, loan, Loans, Local, LOWER, money, More, Mortgage, mortgage applications, Mortgage Broker, mortgage lender, mortgage lenders, MORTGAGE RATE, Mortgage Rates, Mortgage Reviews, new, offer, offers, or, Other, payments, Personal, Personal Loans, price, property, Purchase, Quotes, rate, Rates, ratings, Refinance, refinancing, refinancing a mortgage, Review, Reviews, risk, save, shopping, trends, vacation, vacation home, value, wealth, will, work, working

JPAR® Gulf Coast Named Affiliate of the Year

March 28, 2023 by Brett Tams

JPAR® Gulf Coast, a leading real estate brokerage in Mobile, Alabama, is proud to announce that its dynamic duo, Adrienne and Owen Gill, have been named Affiliate of the Year by JPAR® – Real Estate. The Star Awards, announced at the brand’s annual JPAR® Nation Celebration, recognize top-performers in a variety of categories. The Affiliate […]

The post JPAR® Gulf Coast Named Affiliate of the Year appeared first on RealtyBizNews: Real Estate Marketing & Beyond.

Posted in: Paying Off Debts Tagged: 2, 2023, Adrienne and Owen Gill, agent, agents, Alabama, All, author, Awards, beach, best practices, Broker, brokerage, brokerages, brokers, Built, business, buyers, categories, collaboration, color, COO, customer service, data, estate, excellence, Financial Wize, FinancialWize, goals, growth, home, home buyers, homeowners, Housing, Housing market, industry, Industry News, JPAR® - Real Estate, Leaders, leadership, Learn, market, Marketing, Media, mobile, More, News, Offices, Operations, opportunity, orange, philanthropy, president, Professionals, reach, Real Estate, real estate brokerage, Real Estate Marketing, Realtors, sellers, social, Social Media, Technology, time, title, tools, trust, work

What Do You Need to Buy a House?

March 27, 2023 by Brett Tams

woman at desk with calculator

There are a lot of myths about buying a house: that you need at least a 20% down payment, perfect credit (or close to it), and a specific income level. But the truth is, you don’t need a particular down payment amount, salary, or a credit score over 700 to become a homeowner. What you […]

The post What Do You Need to Buy a House? appeared first on SoFi.

Posted in: Financial Advisor, Home Ownership, Mortgage Tagged: 2, 2022, 457, advice, affordability, agent, agents, All, AllY, analysis, assets, average, Bank, bank account, banks, basic, before, blue, Broker, brokerage, build, business, Buy, buy a home, buy a house, buyer, buyers, Buying, Buying a house, calculator, car, car loan, checklist, clear, closing, closing costs, color, condo, Conforming loan, Consumers, conventional loan, Conventional Loans, cost, couple, Credit, credit card, Credit Card Debt, credit history, credit rating, credit repair, Credit Report, Credit Reports, credit score, credit scores, credits, Debt, debt-to-income, decisions, deductions, Department of Housing and Urban Development, desk, Development, display, down payment, Down Payment Assistance, Down payments, dream, DTI, employer, Employment, estate, existing, expenses, Family, faq, FDIC, FHA, FHA loan, finances, financial tips, Financial Wize, FinancialWize, First-time Homebuyers, fixed, Free, FTC, funds, General, getting organized, gift, good, good credit, good credit score, government, guide, history, home, home affordability, home loans, Home Ownership, homebuyer, Homebuyers, Homeowner, homeowners, homeownership, homes, homes for sale, hot, house, Housing, HR, HUD, hunting, id, Income, income level, Insurance, interest, interest rate, interest rates, items, jobs, Law, Learn, Legal, lenders, Links, list, Listings, loan, loan approval, loan programs, Loans, Local, low, LOWER, Make, manage, market, Market Trends, Media, money, More, Mortgage, mortgage lender, mortgage lenders, mortgage loan, mortgage loans, mortgage pre-approval, Mortgages, Move, multiple listing service, myths, NAR, National Association of Realtors, needs, negotiate, new, NMLS, offer, offers, or, organization, Other, party, payments, percent, plan, plans, PMI, pre-approval, premium, pretty, price, private mortgage insurance, products, programs, proof, proof of income, property, property taxes, Purchase, questions, rate, Rates, reach, ready, Real Estate, real estate agent, Realtors, Rent, repair, retirement, retirement account, returns, Review, right, rural, Salary, savings, search, searching, self-employed, seller, shopping, sofi, stable, states, Strategies, stress, student, student loan, Style, target, tax, tax returns, taxes, time, tips, title, title search, trends, under, Underwriting, USDA, usda loans, VA, VA loan, W-2, Websites, white, will, woman, work, working, youtube
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