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You can call it your Commonplace Book, like Benjamin Franklin, John Milton or Ralph Waldo Emerson. A work journal. You daily work dairy. It doesn’t really matter so long as you’re doing it.

We usually bring you great real estate tech tips, but today we decided to take it back to pen and paper. (For those wondering though, this can be done in Evernote!)

Dear Diary

The process is pretty easy. At the end of everyday recount what you did, didn’t do and other great things you experienced that day. The structure is what you make of it, it’s more important that you keep the stream of thoughts going. It doesn’t take much time, a little as 15 minutes can get the job done. The results will amaze you. And heck, if its good enough for those profound individuals like Franklin, Milton and Emerson, what could it do for you.

So the top 5 reasons you should start your work journal today are:

Better Than Happy Hour

Its a fantastic way to unwind from your day. Unlike the normal release most people use, going to the gym, venting to a friend… happy hour, a journal although you to really reflect. There is something about writing down the days events that brings weight to it, and really helps you remember. Plus if you need to go back and review, you can.

No BS Overview

This isn’t like when your spouse or friend asked what you did today, this is an honest time for you to reflect on what you got accomplished. We all start our day off with a “To Do List”, but how many time have those 10 things turned into 15, and you got nothing done? Or maybe you killed it today, and tore the list up and then some. This process really helps you find holes in your productivity and evaluate your day better.

#Winning

We are all much quicker to complain about a business poor service, than we are to evangelize what they did well. The same holds true for ourselves. We can be so hard on ourselves for what we didn’t get done, or how the day went. A daily work journal can really help you see the wins that happened that day, and keep you in a better state of mind.

WhiteOut For Your Day

Your daily work journal will help you minimize your mistakes. As you begin to log the things you are working on, you will start to notice pitfalls and holes. You will also start to see patterns of success. This will allow you to take principles that are working in one area, and hopefully apply them to another, to achieve greater results.

Change Your Perspective

This one is probably most important. Sometimes its crucial to take a step back and get a new perspective on what is going on. What you thought was a terrible day, might have been so much better than you remember. However, what you thought was an amazing day, might’ve been a dud, you just didn’t realize it at the time. It’s a great exercise in taking control of your time, and not wondering where it all went.

30-Day Challenge

We introduced the 30 Day Challenge last Friday. We’ve had a great response so far, better than I thought for our first try at this. Be sure to get in, and pledge whatever it is you want for your 30 Day Challenge. Money is on the line, along with a chance to change your life.

Question Of The Day

What are you doing for your 30 day challenge?

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Teresa Tims TheSoCalLoanPro.com meets with Allure and gets a 20% discount on Beauty Treatments. Look younger and feel better. Mina Grasso is a So. Cal Expert and someone you can trust with all your beauty needs.

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Get 20 Questions to ask mortgage lenders and much more before you even pick up the phone to them. Mortgage Education Seminars is not affiliated with mortgage lenders, realtors or brokers. Our company educates the public how to qualify themselves for a mortgage that they will be able to pay off and own a home, while they pay their bills… We start with 20 questions to ask mortgage lenders… and there is so much more. Please visit our website to find out more. There is no beating around the bush with this course. The information is life lasting. Go to www.mortgageeducationseminars.com and click on our “Easy Llink” to see just how simple it is to get our information.

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http://MortgageInVancouver.com
The biggest barrier to entry for most anxious first time home buyers is the down payment. Coming up with a chunk of cash all at once that you are comfortable saying good bye to for a while.

What many do not know or have a misconception of is that there are other ways to get a down payment other than your savings or chequings account.

So what are they? What other possible sources can you use to get your down payment?

Lets start from the top and I will list them in the order that banks favor the most to least as where the funds come from and how much your down payment is has a huge effect on what your are worth to a mortgage lender and whether they will even qualify you for a mortgage loan.

1. Top of the list, of course is your savings. If you have the discipline to save your money and keep it in plain sight without spending it then the banks will really like you and want to trust you with their money. This is obviously the most favorable situation. One thing to note however is that the money you are using must be in your bank account for at least 90 days. The reason for this is to make sure it isn’t money laundering or that it isn’t untaxed cash, etc. If the money has been in your account for less than 90 days then they will want documentation of some kind proving where you got the money.

2. Ann RRSP account is the next best thing to your actual savings account as it is simply a different a variation of it. You have been disciplined enough to put away money each year and now you are using it to buy a home. Banks will like this.

Some things to note however; if you are not a first time home buyer then you will get taxed on this money. Depending on what tax bracket you are in will determine if this is a good idea for you. If you are a first time home buyer then you can use up to $25,000 towards your down payment TAX FREE.

3. Pulling Equity from Another Home is also looked upon nicely because it too is another variation of saving. However, to pull out equity you must refinance that property which means you need to be able to qualify for both mortgages. This is usually not a problem. It just depends on your assets, income and current employment situation.

I can help you with both transactions of refinancing and the purchase to help this process move smoother for you and to structure it so that you are using your equity in the best way possible for your situation.

4. Gifted Down Payment. There is a lot of confusion on what exactly is a gifted down payment so I am making a video blog specifically targeted to this topic (so don’t forget to subscribe to this channel) but basically this is not where you can get money from your friend to use as a down payment. You must get it from a direct family member. DIRECT, not cousins, aunts, etc. It must be your Mother, Father, Brother, Sister, or Child. If you grew up with your aunt and uncle or some different circumstance like that then there can be some exceptions made. I will just have to approach the lender with your story.

Proper Gifted paperwork must also be filled out to use this method of down payment and I can provide this for you when the time comes. All it really needs is a signature from the Gifter saying that they are giving this money to you with no strings attached and that you will never have to pay it back.

5. The final method of obtaining a down payment is by putting it on your credit cards or lines of credit. This is solely going to depend on how much credit you have and whether you will qualify for the mortgage with this additional debt attached to you.

An example of this is if you only have a $20k credit card and you will be maxing this debt out to get your down payment then the banks will be nervous to give you money. If however, you have a $50k line of credit and pulling out $20k will be nothing near dangerous for you then this wont be so bad.

The bank does not want you to struggle for your payments. They want to make sure that your mortgage is going to get paid back and if you are tapped out financially then the chances of you defaulting on the loan becomes greater.

So hopefully this gives you a good overview of down payments; where you can get it from and how the mortgage lenders view them.

If you have any questions just give me a call, 604.313.9996 or email coss.L@mortgagecentre.com. You can also go to my website to apply online at http://leahcoss.ca or read more of my blogs at http://MortgagesInVancouver.com

Leah Coss

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SecurityNational Mortgage Company, real estate, buying a home, SNMC marketing

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There are many phases to buying a first home, so get professional advice, do your homework, and know what you want.

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Albert continues his discussion on making sure you get the best mortgage rate. There is a lot of information (and more that could not be included), so you might have to play the video a few times or simply email Albert with any of your questions. As you will see, the trust factor is key to getting the best rate. If you want to find out what are the best current rates out there, send Albert an email to albertyu@gloriayuhomes.com

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http://www.themurraygroup.biz/
40 Pleasant Hill Blvd Franklin Ohio 45005. $137,900
This is the one that you have been waiting for. A newer construction home with full basement located close to Dayton and Cincinnati. You will be impressed from the moment you come through the front door and see the generously sized living room features cathedral ceilings. The kitchen boasts 2 eat at breakfast bars, an eat in kitchen, as well as a morning room/sun room. The sun room has large decorative windows for a lot of natural light. The morning room leads out to the newly constructed deck that is huge and wraps around the back of the deck. The back yard boasts no neighbors on the north side of the house which makes for a much larger yard to play in. This home also boasts a full basement that is plumbed for a full bath and is ready to be finished to your liking. There is also an addition area in the basement that would be perfect for a theater room. The master bedroom has a private makeup area and good sized walk in closet as well. Check out the HD Video Showing online.
Great newer construction home in Frankln.
Franklin welcomes you and is located between Dayton Ohio and Cincinnati Ohio.

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Meet First Priority Financial! First Priority is a Mortgage Bank home based in Fairfield, CA. We have be in business since 1977 and currently fund most of our loans in house and for the deals we cannot do in house, we have over 50 other lenders that we can fund your or your clients loan through. We offer FHA loans down to a 580 Credit Score and VA loans down to a 600 Credit score. We sell most of our loans to the FNMA and FHLMC markets. Please call us for more details.

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LOSING THE BIDDING WAR FOR FORECLOSURE HOMES? FIND OUT WHY??? We have ADVANCED NOTICE OF COMING FORECLOSURES WITH OUR BANKS, AND A SYSTEM OF WRITING CONTRACTS THAT GET ACCEPTED! Would you like that?
My team specializes in Foreclosure and Short Sale homes here in the metro Phoenix Real Estate Market. Since Spring of 2009, we have been experiencing multiple offers for our Foreclosure homes and been involved with bidding wars for our buyers trying to purchase foreclosure homes.
Getting out bid was very disappointing, I am sure you would agree. We realized that we get Advanced Notice to our Foreclosure listings and because we are working with several banks, we can see thier coming soon inventory too. We started marketing the homes before they were listed. It worked great. We sold many of our own listings. Many of the top Foreclosure agents are friends of mine, we meet at special conventions for top selling agents. They share their coming soon inventory with us, adding more Advanced Notice.
We started noticing that the banks didn’t always take the top offer. So we started tracking what made a difference. From there we put together a system of writing offers the way the banks like to see them, so they get accepted. Together with the Advanced Notice to the bank owned Foreclosure homes we call this our “Unfair Advantage.”
Recently we secured homes for 3 different buyers using this system. They were not the highest offers, nor cash offers, but their offers were selected.
Hi I’m Jeff Cameron with Keller Williams.

After plunging as much as 70%, the real estate market is on Fire. According to ASU Phoenix Foreclosure prices appeared to have bottomed in Spring of 2009. Some areas have seen huge bounces in values. Interest rates low and great deals all over.

So let me ask you a question: Why haven’t you found just the right home yet?

The biggest reason is that you aren’t working with an agent who has direct access to bank owned homes and foreclosures before they hit the market. You know the ones that are coming soon.

I would bet that every time you find that great house on all those endless websites you’ve been searching, its gone. SOLD!

So what we’ve done at The Cameron Team is we have created our Elite Buyer Group, for buyers that are really serious about buying a home today.

Go a head, give us call. If you are serious about finding your perfect home and your criteria meets what we are looking for in home buyers or investors, we can be a great match.

We have limited our Elite Buyer Group to 10 buyers that are very serious about beating everyone else out to those great deals today. We give our buyers, what we call the Unfair Advantage. Which includes advanced notice to bank owned homes and a system of writing offers in the way banks want them – So they choose them.

You see Eric was in our Elite Buyer Group, his offer wasn’t the highest and it wasn’t cash. But with the Unfair Advantage on his side, his offer was selected over all the others.

If you are interested in getting off those endless websites, actually finding a great deal and having an Unfair Advantage, now is the time. Remember we are limiting our Elite Buyer Group to 10 serious buyers.

I look forward to speaking with you!

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