What questions should I ask a mortgage broker? If you’re dealing with a mortgage broker there’s some questions that you should ask both on your first meeting with the mortgage broker and throughout working with your mortgage broker to make sure that you’re getting the best service possible. I’m going to go through 10 different questions that you can ask your broker to make sure you’re getting the loan that you need and the service that you want. The first question that I think everyone should ask a mortgage broker is a pretty straightforward one. And that’s, “How much will it cost me?” Most mortgage brokers actually work for free. So it doesn’t actually cost you anything in order to do it. They get money because they are paid by the banks when you successfully get a loan. So they get a small commission of the loan that you apply for and if you get it. So most mortgage brokers will work for free and it won’t cost you anything. However, there are some mortgage brokers out there who do require deposits or who do require you to pay. So, it’s important to ask, “How much will this cost me?” when assessing which mortgage broker you want to go with. Another question that you want to ask the mortgage broker is simply, “How much do you earn in commission from me and from my loan?” This is less to understand exactly how much they make. If you want to understand how much mortgage brokers make, I’ve done an episode on that, which you can check out at onproperty.com.au/172. And you can see what percentage of commissions they make and things like that. But it’s more to understand whether or not they’ll be willing to give you this information. A transparent mortgage broker is someone that’d be willing to give you this information and you know that they have your best interest at heart. If they skirt around this issue and they don’t tell you how much they earn. Well then that would send out red flags for me because I can’t trust them to put my best interest at heart because there are some circumstances where one loan will earn them more money than a loan that could potentially be better for me but not as good for them. So, I’m just trying to establish whether or not this mortgage broker is someone that I can trust. And by asking them the big question, the money question, “How much will you earn from me?” That’s a great way to understand whether or not you can trust them. So ask that question and see how they respond. ------------------------------------------- http://onproperty.com.au/268 - View the full transcription and audio version of this episode. http://onproperty.com.au/free - See real positive cash flow property listings
Views: 19864 On Property
Interview with a mortgage broker about how to get a loan! Check out my property seminar below BOOK NOW: Come to a property seminar I host by clicking the link below. You can attend in person or live from ANYWHERE in the world: https://theproperty.academy Contact Me: [email protected] Akhil Mair Brooklands Commercial Finance Ltd Tel: +44 3455 488022 Mob: +44 7957 146343 Email: [email protected] http://www.brooklandscf.com Restaurant: http://www.pineappledorney.co.uk/pub/menu/ Follow me on: Instagram - @anishvin https://www.instagram.com/anishvin/?hl=en Twitter - @anish_vin https://twitter.com/anish_vin?lang=en Facebook - @anishvin_official https://en-gb.facebook.com/anishvinofficial/ Snapchat: anishvinayak https://www.snapchat.com/add/anishvinayak Edited by: @blue_marling (Instagram) https://www.instagram.com/blue_marling Music: https://www.youtube.com/watch?v=bF-AQ5ln4NI
Views: 34858 Anishvin
How much does a mortgage broker make per deal and how much do they tend to make per year? Mortgage brokers are paid on a commission basis from the banks or the lenders that supply you with your loan. So how much do mortgage brokers make? We are going to break this into two categories, firstly, how much they make per deal and secondly how much they generally make per year. Today we're talking about mortgage brokers and more specifically how much they make per deal and how much a mortgage broker tends to make per year. http://onproperty.com.au/172 - Visit the site for a full transcription and downloadable audio version of this video. ------------------------- Get More OnProperty All Over The Internet Podcast (iTunes): http://onproperty.com.au/itunes Podcast (Stitcher): http://onproperty.com.au/stitcher Instagram: http://onproperty.com.au/instagram ———————————— Want to learn the exact methods I use to find positive cash flow properties all over Australia? Sign up for the Positive CashFlow Academy today http://positivecashflowacademy.com
Views: 36546 On Property
Learn how to pick a mortgage lender when buying a house. Contact me at http://www.tampa2enjoy.com/contact-us/ and Check out http://www.tampa2enjoy.com to view all homes for sale in Tampa and surrounding areas. Here's my updated video on How To Choose a Mortgage Lender: https://www.youtube.com/watch?v=NRkfgkQrwrU If you do not need financing, don’t worry about watching this video unless you want to know more information. This video covers how to buy a house and how to pick a mortgage lender to help you with your home buying process. Finding a mortgage lender is a good place to start after choosing a real estate agent to work with. Make sure to also ask your friends/family who they choose to work with and get a general idea. There are 3 types of top mortgage lenders out there: big banks, mortgage bankers, and mortgage brokers. I personally do not like big banks. If you have a special circumstance, big banks will usually tell you that you do not qualify for a loan, period. However, you may qualify for a home loan through someone else. Big banks are also limited because they are only lending their own money, and if you can’t work around it, then it won’t work for them. I highly recommend looking for local mortgage lenders, try not to use someone out of state. I’ve also worked with several credit unions in the past, and yes, while they do care about their customers, I find that they, unfortunately, provide their loan officers with insufficient training. I’m a big fan of mortgage bankers because they lend their own money but they also do the underwriting for the file in-house. Mortgage brokers have access to several lenders but you want someone who will make sure your loan deal happens because otherwise they won’t get paid until you close. When calling up for rate quotes, make sure to call all of your choices on the same day so that you can get your interest rate locked in. Interest rates change daily so make sure to get your rate quote in writing from the lender. Pick someone who is going to help you with representing your best interests. Make sure to ask the right questions; why should I choose you to work with? What makes you one of the best mortgage lenders for me? Get statistics and information on local schools in Tampa, etc... Click here: http://www.tampa2enjoy.com/area-info/school-info/ Please contact me if you have any questions or would like to set up a free consultation. If you like this video, please give it a thumbs up or give me a comment. Don't forget to "Subscribe" to my YouTube Channel. Love this? Like our page on Facebook.com/TampaRealEstateExpert Follow us on Twitter.com/tampa2enjoy Lance Mohr Mohr Realty Group at Keller Williams 813-317-4009 http://www.tampa2enjoy.com http://www.tampabayrealtypros.com *************************************************************** Find out how to choose a mortgage lender that'll perfectly suit your needs and more when buying a house... Click here: https://www.youtube.com/watch?v=95UcxFXAJ9M
Views: 29927 Lance Mohr
hhttp://www.richgrof.com/ Are you a new Mortgage Broker in Canada or Loans Officer and find yourself wondering what sales techniques to use to build your business success? Well stop wondering; you're in the right place! In this training video Master Sales Coach Rich Grof gives a proven sales techniques and coaching tips on how to develop your business as a Mortgage Broker or Loans Officer. Rich will cover all the steps you need to go through to get the basics on how to make set up your business and increase your sales. This is Video 1 of 9 in a basic sales training series called "Starting Your Business as a Mortgage Broker" (don't to forget to check out our level 2 sales coaching & training series called "Winning Your Sales Prospect") STARTING YOUR BUSINESS AS A MORTGAGE BROKER Basic - Training & Coaching **Video 1 - Prospecting Strategies http://youtu.be/kkTEDE5NKY0 **Video 2 - Marketing Strategies http://youtu.be/aQ-b_SYsb_4 **Video 3 - Networking http://youtu.be/J14lyOufYtE **Video 4 - Referral Marketing http://youtu.be/3IVKj8WzFoY **Video 5 - Cold Calling & Finding "NOW" Opportunity http://youtu.be/KV0pgIBiAV4 **Video 6 - Strategic Alliances http://youtu.be/RXULoYMEUCI **Video 7 - Data Base Marketing http://youtu.be/ZEcZqjSvJ4U **Video 8 - The Sales Process http://youtu.be/VFu55OfsYYc **Video 9 - Mortgage Process Technical Training http://youtu.be/XNY4Q0Epwws WINNING YOUR SALES PROSPECT Intermediate - Training & Coaching **Video 1 - The Sales Discovery Process http://youtu.be/nwjQN7jAenI **Video 2 - Your Ideal Sales Prospects http://youtu.be/QAg5R6Q1wrQ **Video 3 - Learning the Power of Your Clients Emotion Hook & Emotional Language http://youtu.be/eDZRRizLeW4 **Video 4 - Interest Rate Objections http://youtu.be/MynqX67pt_4 Join our channel - subscribe here https://www.youtube.com/user/richgroftv?sub_confirmation=1 If you have enjoyed our video, please like it and leave a comment about what other videos you may be interested in. Your help in creating great, relevant content is greatly appreciated. For Mortgage Brokers in Canada and Loans Officers in the United States and all over the world.
Views: 26902 Rich Grof
How to get Realtors to work with you! | Mortgage Loan Officers and Mortgage Brokers WATCH THIS! Attention Mortgage Loan Officers! Want to know how to pick up your Purchase business? Establish solid relationships with Realtors! More and more, the requests are going from “I want to refinance…” to “I want to get Pre-Qualified…” or “I found a home and offer was accepted!...” is a clear sign that our business is leaning more and more towards a ‘Purchase Market’. With Rates on the rise and Refinance leads slowing down, we need to adapt our focus to what is in demand and right now its Purchase Loans! So you would think its easy to find a Realtor right? The idea of just buying a Realtor coffee or bringing their office a box of donuts should be enough to earn their business for life, but that is simply not the case. Let your competitors use those old tactics and let us @SalesRemastered focus on what really works! The truth is that selling to a Realtor is far different than selling to a prospect and I made a VIDEO where I go into depth on this and how to improve your approach to earn the Realtors attention and consideration as their ‘preferred lender’. In short, a Realtor is already being smothered by your competitors with Starbuck cards, Donuts, lunch offers or appointments to meet for coffee that never end up working out. How you sell to a Realtor is much like comparing how a Refinance loan is to a Purchase loan…there are much more moving parts. You have more parties to consider in the communication from Buyer / Seller Agent, your Client, Title and Escrow and Processing! Because of this, most of your competitors will shy away from doing Purchase loans and this is where your window of opportunity is! If you can learn how to make noise in a different way, the Realtors you want to hear you will hear you. But if you practice the same old school tactics of ‘I was just dropping bye and I just happen to have this box of treats with my logo ALL over each item for you….” Then you’re name, company and business card will be thrown in the drawer with ALL the other solicitors trying to trade snacks for business. Understand what advantage you can offer the Realtors, like; - CRM Technology that allows you to log in from a tablet or smartphone to produce a prequal on the spot! - Access to Niche financing that their ‘Preferred Lender’ could not do. I.e. “ call me if you have a loan that you can’t get approved, I’ve been making magic happen with quick turn times to make the American dream come true for clients….let me do the same for you…” - Research Open Houses and Broker Locations in your area and research the Agents before you approach them - Consider their BRE License number to determine if their a Veteran Agent with established relationships or if their a Newly licensed Realtor just trying to stake their claim and build their pipeline Knowing where to focus your time and what message to deliver is key to earning the trust and attention from Realtors, but when you do earn it you are setting yourself up to become a Brand within a Brand because Realtors don’t care what your lender name is they care if you can deliver and ensure their money is protected. Realtors want accountability and thoroughness to ensure they’re not wasting time with non-qualified buyers and not ruining their reputation or income by working with an inadequate source of funding. Learn how to establish a relationship with a Realtor and you’ll slowly build the credibility you need to become their ‘Preferred Lender’ - Was this Video Helpful? Subscribe Here: https://www.YouTube.com/SalesRemastered Leave me a comment, Like the Videos you like and share them with your network. I have a SOLID Sales Script for you to use, would love your feedback on it, so download a copy for FREE and let me know what you think? You can download the script for FREE here: https://www.SalesRemastered.com Be sure to download it and give yourself an 'Unfair Advantage" today! ========================== CONNECT WITH ME: ========================== Facebook: https://www.facebook.com/SalesRemastered Instagram: https://www.instagram.com/SalesRemastered Twitter: https://www.twitter.com/SalesRemastered Snapchat: https://www.snapchat.com/add/salesremasterd LinkedIn: https://www.linkedin.com/in/dnicart Website: https://www.SalesRemastered.com If you would like to Speak to Me Directly and Receive Direct One on One Mentoring for maximum impact and reward, you can reach me here: [email protected]
Views: 12219 @SalesRemastered
Find out how to improve your chances of getting a mortgage if you're buying a home as a contractor or freelancer. When you apply for a mortgage, the provider will look at how much you earn, your expenses and how secure your income is. They usually do this by taking an average of what you’ve made in recent years, to work out how much to lend you. You’ll need to show evidence of your expenses and operating costs. Because a contractor mortgage application is usually more complicated, you may be referred to an underwriter to assess your situation. So it’s important to speak to a mortgage broker, who can advise on the lenders most likely to give you a mortgage. Whether you're buying a house, buying a flat or are a first time buyer, get expert mortgage advice at https://www.which.co.uk/money/mortgages-and-property/mortgages/getting-a-mortgage/contractor-mortgages-how-to-get-one-awqr48y54ffm. For a free consultation with Which? Mortgage Advisers call 0800 9805 489 or visit https://mortgageadvisers.which.co.uk/ Which?: http://www.which.co.uk Twitter: https://twitter.com/whichuk Facebook: https://www.facebook.com/whichuk/
Views: 792 Which?
SUMMARY: In the above video I reveal a powerful strategy that is practically available to all, but is known and fully understood by a very few. If one takes the time to learn and implement this method of eliminating debt, one may find themselves pleasantly surprised of how quickly their home mortgage, auto loans, student loans or business loans can be completely paid off. This strategy is known as Velocity Banking and in the video I will demonstrate how Velocity Banking can be used to pay off a 30 year home mortgage in just 5-7 years without sending double payments to the bank or changing one’s current level of income. RECAP OF THE VIDEO: I start off by creating a scenario of a financial situation by taking an average household net income in the United States combined with some of the basic monthly expenses: home mortgage, minimum payment on a credit card, car payment and living expenses which include groceries, utilities, gym membership… Once all expenses are identified and subtracted from the net monthly income it is important to understand the impact of cash flow, the difference between a loan and a line of credit, how the interest of a loan and a line of credit is calculated, and how monthly payments on a mortgage are dispersed between interest and principal paydown. To help demonstrate these differences I create tables and an amortization graph. As I go on to unveil the main differences I also identify the biggest reason why nowadays most homeowners are unable to payoff their home mortgages due to the unstrategic use of home refinancing. By this point having had identified the difference between a loan and a line of credit I can reveal the benefits of utilizing a line of credit to pay off a home mortgage in 5-7 years. This is where I get into the Velocity Banking strategy which incorporates an unaccustomed method of moving one’s entire monthly paycheck into a line of credit instead of the accustomed checkings and savings accounts. By adopting this method one can leverage a line of credit to free up cash flow, gain cash back rewards, build credit history and improve credit score, but the greatest leverage created is the thousands if not hundreds of thousands of dollars in interest savings. KARL'S MORTGAGE CALCULATOR APP: https://itunes.apple.com/us/app/karls-mortgage-calculator/id1025852681?mt=8 Android version: https://play.google.com/store/apps/details?id=com.drcalculator.android.mortgage ★☆★ SUBSCRIBE TO MY YOUTUBE CHANNEL FOR VIDEOS ABOUT REAL ESTATE AND BUSINESS ★☆★ ► Velocity Banking & Real Estate Investing Course - Please email me at [email protected] for more information. ★☆★ CONNECT WITH ME ON SOCIAL MEDIA ★☆★ FACEBOOK: https://www.facebook.com/Laura-Pitko-1464576883611081/ INSTAGRAM: https://www.instagram.com/laura_pitko24/ DISCLAIMER: I (Laura Pitkute) am not a financial advisor, real estate broker, a licensed mortgage broker, not a certified financial planner, not a licensed attorney, and not a certified public accountant, therefore please consult with a competent professional prior to engaging in any financial strategies. Not everyone will experience 100% success rate by using this strategy as it requires a commitment to keep applying this strategy over time until the desired result is achieved. I (Laura Pitkute) do not promise or guarantee any specific outcomes and/or results from the use of this strategy.
Views: 2699503 Laura Pitko
Top Mistake People Make When Applying for a Mortgage | Home Loan Application Mistakes. Rich Conlon with Atlantic Coast Mortgage joins real estate agent and Realtor Matt Leighton to talk about the top mistake people make when they apply for a mortgage. -- RIch Conlon Atlantic Coast Mortgage Loan Officer 703-217-9004 [email protected] -- Subscribe for more real estate videos: https://www.youtube.com/channel/UCGpYX4tDvrHNEElhWB9Gllw?sub_confirmation=1 -- Real Estate Continuing Education Online Classes: https://goo.gl/Cr4Tpf Looking for a real estate agent in your city? I have a network of top producing agents around the country. Email me and I can put you in contact with an agent in your area [email protected] -- Timestamps: 1:25 - Number one mistake when applying for a home mortgage -- Find Matt here: https://www.snapchat.com/add/mpleighton https://twitter.com/TheMattLeighton https://instagram.com/TheMattLeighton https://www.linkedin.com/in/TheMattLeighton https://www.facebook.com/TheMattLeighton -- MY EQUIPMENT LINKS TO AMAZON The camera I use - https://goo.gl/3n13gS The lens I use - https://goo.gl/hS8a1s The mic I use - https://goo.gl/kSeu8J The memory card I use - https://goo.gl/t4wdXj The camera flash I use - https://goo.gl/pi2gmj The gimbal I use - https://goo.gl/xKMj8t The gorilla pod I use - https://goo.gl/jLLL5q The intervalometer I use - https://goo.gl/EV2KWo The iPad I use - https://goo.gl/G9onPp Business inquires [email protected] -- Matt Leighton - Arlington VA Realtor Licensed in VA and D.C. http://rhlarlington.c21redwood.com/ Century 21 Redwood Realty 1934 Wilson Blvd Arlington, VA 22201
Views: 47876 Matt Leighton
http://MortgagesInVancouver.com Hi everyone! How are you? It is Leah Coss with Mortgage Center, and I wanted to actually go over what the heck a mortgage broker actually is. What is the difference between a mortgage broker and an independent mortgage broker? How much mortgage brokers cost, if anything? And really, what is the difference between coming to me, as opposed to just walking into your bank? Well, let's take this from that last one. What's the difference between going to your bank, and going to me? Well, there is two main things. The first thing is obviously, if you go to the bank, you are only choosing from one set of products from one lender. There is no real competition aspect. So by going to them, you are just choosing from one set of products. By going to me, you're choosing from 40 different products. I've got a huge list of lenders, banks as well as non banks. If you are curious what non banks are check out my blog. It will tell you there the difference between non banks, banks, and private lenders. Those are the three main categories for financing. Because of that obviously, I have created two different things; one, variety and selection. There are many different products out there. If you are self employed, or if you are a new immigrant, or if you are buying a previous grow op, or if you want to buy a rental property, those are going to be four different lenders that I would send you to based on those different criteria. So, by going to your one bank, they may decline you, whereas with another lender, you would be approved in a second. So going to a mortgage broker is obviously saving you time, it's giving you variety. Now, second thing is, what about fees? Well, if you were working with a mortgage broker, and they are trying to charge you a fee by sending you to just a regular lender, a bank or a non bank, drop them, drop them, drop them, drop them. There should be no fees involved. The banks and the non banks, they pay us. Again, we're getting huge volume discounts. We're bringing them business. We are basically working like salesman for them, and so because of that they are paying us a commission. That's where you are going to need private financing. Private lenders do not pay us anything. You have to pay them a fee. You also have to pay us a fee. So, that is how that works. Other than that, it should always be free to use a mortgage broker. We work for you, not for the lenders. Now, what was the last thing? Oh! What is the difference between a mortgage broker that works in a bank, and an independent mortgage broker? Well, I'm sure after this post, I will get many letters from different banks and different mortgage brokers who work for banks, but this is how I am going to say it. People who work for a bank are not a mortgage broker. They call themselves a "Mortgage broker," but they are not. They do not have to go through the same licensing that I do. They do not have to go through the same education and schooling that I have to. They are simply a bank employee who has been shifted into the mortgage department, and is now doing mortgages. They may call themselves "Mobile mortgage brokers," or all these things, but they are not an independent mortgage broker. If you go into Scotia, and you talk to their mortgage broker, you are only going to be offered Scotia products. Where is the brokering in there? There is no brokering. If you walk into TD, and you talk to a TD mobile mortgage specialist, they are not a broker. They are only brokering TD products. Going to an independent mortgage broker is crucial. Ask the mortgage broker, "Do you work for any one bank?" If they say, "Well, yeah. I work for CIBC, or HSBC," or something, they are not a mortgage broker. They are only going to sell you those bank's products.
Views: 24105 MortgagesInVancouver
http://mortgagelocator.ca/ In this video I look at the "purchase plus improvements" program for getting renovation money along with your mortgage.
Views: 174 Canada Mortgage
TITLE: 3 tips to get the best mortgage interest rate This video will show you everything you need to know about how to get the best mortgage interest rates on a mortgage and the best deal on a mortgage. When working with Banks, lenders and mortgage brokers it’s hard to know what the best deal on a mortgage is. In fact, these are the same ideas that we use in our company to help clients all over Florida get the best deal on a mortgage. They’re the main reason that I have been successful as a mortgage broker in Central Florida. We help clients all over Florida, primarily working in the Orlando are with our office in Oviedo, Florida. So how do you get the best deal on a mortgage? First you have to understand the numbers. Lenders and mortgage brokers use a Loan Estimate to show you the numbers and the only thing that they control are lender fees and the interest rate, everything else is an estimate. One way we make this easy on the client is that we do not charge lender fees, so it’s easy to analyze, zero fees. You pay no processing, underwriting, admin or application fees. Next up we have understanding the mortgage market. So many people never question a lender when they seem to be offering rates lower than ever other bank in the market. If you were buying a new car you would be extremely suspect if you found the car way cheaper than what the other dealers were selling them for. You have to take the same approach when looking at rates and be suspect for anything that seems too good to be true. The Third tip is to do your research, to get a low interest and best deal on a mortgage you need to make sure you are working with someone that you can trust. Google the name of the loan officer you are speaking with and see what other people are saying about them. Googling the bank does you now good, google the person as they are who you are going to be working with. also if you ever thought about buying an investment property in Florida, watch this video for some good info: https://www.youtube.com/watch?v=Oukxmc8FxZg Rayce Robinson 321-377-4211 nmls 322615 [email protected] https://www.zillow.com/lender-profile/Rayce%20Robinson/ www.raycerobinson.com Mid Florida Mortgage Professionals COMPANY NMLS 1587074 Note - mortgage interest rates change every day if you have a question on where rates are at just give Rayce Robinson a call from the Robinson Mortgage Team to get your quote today and see how we apply this tips to get you the best mortgage interest rate as well as the best over all deal on a mortgage. Rayce Robinson 321-377-4211 RAYCE ROBINSON (NMLS 322615) Mid Florida Mortgage Professionals, LLC Company NMLS 1587074
If you want to know HOW TO REALLY GET A MORTGAGE? Please keep watching. I will be telling you how it works if you want to get a mortgage in the uk. What the mortgage process is like and how to manage your finances while doing this. When you're young it's hard to believe you could own your own home. But it is definitely achievable! Hopefully this video will help you achieve your dreams of buying a house and getting on the property ladder. I will be telling you about what deposit do you really need for a mortgage, dealing with estate agents, mortgage brokers, mortgage process for your loan, interest rates; basically what they don't tell you and the reality of getting approved for a mortgage. As I previously said on my other videos I'm a home owner in my mid 20s and I done it totally by myself. This happened recently too so it should be all very relevant. I'm telling you what I learned from my own experience and I hope you find it helpful!! 😃 ♥ ♥ ♥If you like this please give it the thumbs up and subscribe for more videos ♥ ♥ ♥ To watch HOW I RENOVATED MY NEW APARTMENT click the link below ➜ https://www.youtube.com/watch?v=xePdGr3RlQI To watch My empty apartment Tour - click the link below ➜ https://www.youtube.com/watch?v=wWEM3uvOMuI To watch MY HOME RENOVATION VLOG - click the link below ➜ https://www.youtube.com/watch?v=zOAu3YWqllE To watch how much money i make, how i got the job i have now? click the link below ➜ https://www.youtube.com/watch?v=CgWExt0SJM4&t=25s To watch how i saved $27000 in one year? click the link below ➜ https://www.youtube.com/watch?v=SCX91O_6SCw&t=25s You can Follow me on :) TWITTER➜ https://twitter.com/graceglam INSTAGRAM➜ https://www.instagram.com/graceanastasia_ I'm Grace from London and I make makeup, beauty and lifestyle videos! I love inspiring young women everywhere!! Please don't forget to subscribe to my YouTube Channel to follow my journey!! Camera: Canon DSLR 700D For Business Enquiries: [email protected]
Views: 23192 Grace Anastasia
Utah mortgage questions to ask or not ask to make sure you get the very best Utah mortgage loan available. When you are looking for the best mortgage and not just in Utah, whether it is for buying a home or refinancing your home, you want to make sure that you are getting the best mortgage loan program available to you for your situation. Many times people ask “what is the lowest rate you can get me?” While that may seem like a very good question the fact is that interest rate is only a small factor to consider when getting a mortgage. You can get a very low interest rate on a mortgage but what if that rate comes at a significant cost, you could be getting charged “discount points”, “origination fees” or other various “buy-downs” to get that particular rate. The lowest rate may also come with a variable rate option, meaning that your rate can go up or down depending on mortgage indexes. We like to work one on one with our clients to show them the options that are the very best for their particular situation. We will show you what option has the lowest rate, lowest closing costs and other great features that don’t cost you an arm and leg. We offer mortgage loan programs to all of Utah and these options include: FHA, VA, USDA, Conventional, HELOC and HARP. If you are looking to refinance or buy a home, make sure you contact us to get the very best mortgage for your situation. Visit www.mymtgsolution.com or call 801-230-3107 to learn more. We offer mortgage loan programs to buy and refinance homes throughout the entire state of Utah. Keywords to help Utah Homeowners find the best Mortgage Options: mortgage calculator utah utah mortgage calculator reverse mortgage utah utah home mortgage Utah mortgages academy mortgage utah mortgage utah utah reverse mortgage bank of Utah mortgage Utah mortgage brokers mortgage brokers utah republic mortgage utah utah mortgage refinance mortgage refinance utah graystone mortgage utah mortgages utah mortgage broker utah peoples mortgage utah primary residential mortgage utah home mortgage utah citywide mortgage utah security national mortgage utah mortgage jobs utah mortgage types mortgage mortgage broker city mortgage mortgages 15 year mortgage mortgage salt lake city second mortgage mortgage calc mortgage brokers mortgage programs mortgage calculater regions mortgage freedom mortgage reverse mortgage mortgage amortization costco mortgage mortgage estimator mortgage assistance 2nd mortgage mortgage calulatortypes of mortgages subprime mortgage mortgage payment greentree mortgage cenlar mortgage standard mortgage pre qualify for mortgage first mortgage mortgage caculatoramerican mortgage mortgage prequalification us mortgage mortgage lending mortgage relief program arm mortgage mortgage options assumable mortgage residential mortgage first option mortgage mortgage qualification usa mortgage mortgage help mortgage modification mortgage services mortgage application capwest mortgage mortgage after bankruptcy mortgage assistance program house mortgage qualifying for a mortgage mortgage price mortgage costs 203k mortgage private mortgage mortgage comparison prequalify mortgage stated income mortgage mortgage consultant compare mortgages accurate mortgage mortgages for dummies streamline mortgage no doc mortgage prequalify for a mortgage 80/20 mortgage
How To Get 2-5 Mortgage Leads Per Day - Mortgage Leads Tutorial (2019) Schedule a 100% free consultation call with me or a member of my team here: https://goo.gl/XcsPi4 Hi! My name is Jason Wardrop and I've now worked with over 4,000 LO's & Real Estate Agents while generating tens of thousands of leads using Facebook ads. In this video I will break down the step by step lead generation process to use to get more mortgage leads for your business. I hold nothing back and will show you the exact Facebook ad, the landing page, and email templates. A complete mortgage leads tutorial. If you like this video, be sure to subscribe to the channel and give the video a thumbs up and I would greatly appreciate that! All the best, Jason Wardrop P.S. You can schedule a 100% free consultation call with me or a member of my team here: https://goo.gl/XhE58F Subscribe so you never miss another video 👉 https://goo.gl/xqijqT Mortgage Broker's - Go Here For My Free Quick-Start Training: https://arsenalmarketing.io/mortgage-webinar Real Estate Agents - [FREE TRAINING] The Simple System A Real Estate Agent Newbie Used To 3X Their Commission In Just 37 Days 👉: https://www.yoursocialsystem.com/training Get The Buyer Leads Mastery Mini Course: https://arsenalmarketing.io/blm-package Get The Seller Leads Mastery Mini Course: https://arsenalmarketing.io/seller-mastery Connect with Jason Wardrop below: Instagram: https://www.instagram.com/jason_wardrop Facebook: https://www.facebook.com/wardropjason LinkedIn: https://www.linkedin.com/in/jasonwardrop/
Views: 2411 Jason Wardrop
Guaranty Trust Company has been clearing away the fuzz for home buyers since 1986. Watch this illustrated video for 8 Easy Steps to walk away with a better understanding of the mortgage process! Visit www.guarantytrust.com/apply to get pre-approved for your home loan! More about Guaranty Trust Mortgage: Since 1986, we have been a market leader in residential mortgage lending. From financing your dream home to refinancing your existing home, we have you covered. Ranked a Top 100 Mortgage Company in America for the last 2 years, Guaranty Trust Mortgage, serving Tennessee, makes customer satisfaction a priority. The Better Business Bureau gives Guaranty Trust its highest rating of A+!
Views: 82028 Guaranty Trust
http://www.ratehub.ca - If you want to get a mortgage in Canada, you first need to qualify. True North Mortgage Broker James Laird explains what lenders look at to qualify homebuyers. 0:31 Factor 1: Credit Score 0:57 Factor 2: Down Payment 2:58 Factor 3: Debt Service Ratios ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w
Views: 41938 Ratehub.ca
Browse the most property listings in Dubai: https://www.bayut.com/ To bring you a detailed overview of getting a mortgage in Dubai we went to the office of the Senior Mortgage Consultant at one of Dubai's leading agencies, Allsopp & Allsopp. In the extended 4-minute video interview with Lisa, you will hear everything about mortgage in Dubai for expats, from paperwork to the possibility of an early payoff. Get your daily dose of real estate and lifestyle inspiration in the UAE: https://www.bayut.com/mybayut/ Follow us on: Facebook: https://www.facebook.com/bayutuae/ Tag: @bayutuae Instagram: https://www.instagram.com/bayutuae/ Tag: @bayutuae Twitter: https://twitter.com/bayut Tag: @bayut Linkedin: https://goo.gl/zerBj7 Tag: Bayut.com
Views: 2114 Bayut.com | UAE's No. 1 Property Portal
Welcome to Mortgage Broker TV and be sure to SUBSCRIBE: http://bit.ly/barrfinancial to learn more about the latest mortgage deals and learn some insider property tips. Can I get a mortgage without my partner is a question that is asked more than you may think! There are lots of reasons why people want to know whether it is possible to get a mortgage without their partner. It might be their husband, wife or partner has bad credit. It might be because the source of the deposit is coming from one side of the family and its important to protect or mitigate the risk of losing this if a relationship were to break down. These aren't nice things to think about or deal with, but unfortunately, it is the reality of our world. So the short answer to the question "can I get a mortgage without my partner?" is YES! ...but here comes the caveat! Like all things, it does come down to the individual circumstances and the situation. One major thing to consider is the fact that if you are going to get the mortgage on your own, then it could restrict what you can do! In other words, the lender will assess only your income and this might reduce your potential borrowing capacity. However if you are not buying a home, but maybe an investment property, then the income shortfall may not be as affected, as the lender looks at the rental more. Having said this, some buy to let lenders do ask for a certain minimum income. The key like a lot of these complex things is to get independent mortgage advice from a good independent mortgage broker. The reason this is important is that they will be able to look at the whole market (all the lenders) to figure out a solution for you. Find me on: http://Facebook.com/BarrFinancial http://instagram.com/barrfinancial http://twitter.com/barrfinancial
Views: 88 Barr Financial
Find an Endorsed Local Provider in your area to help with real-estate! https://goo.gl/Erj53Z Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 978703 The Dave Ramsey Show
In this episode, we discuss how to get mortgage pre-approval with bad credit in Canada. 💬 Remember to get your FREE guide from the experts before buying your next home: http://stories.brookfieldresidential.com/54-proven-expert-tips-you-need-to-know-today-before-buying-a-home About this video: Looking to get pre-approved for a mortgage but have a low credit score? What are your options? In this episode, I talk with Mujtaba Syed, Manager - Mobile Mortgage Specialist with TD Canada Trust, and discuss how to get approved for a mortgage with bad/low credit score and what's the minimum credit score to get pre-approved. We also explore other options, such as co-signing, and if you co-sign a mortgage, does your credit score affect the co-signer? #mortgage #mortgageapproval #firsttimehomebuyer ✍️ Prefer to read or need to take notes? See the transcripts: http://stories.brookfieldresidential.com/homebuyersschool/pre-approved-for-a-mortgage-with-bad-credit-in-canada 👉SUBSCRIBE TO THIS CHANNEL to get the latest tips, strategies, and tactics for home buying: https://goo.gl/aX7gkz 📔 If you want to learn more about mortgages and pre-approvals, watch more videos in the playlist: https://www.youtube.com/playlist?list=PLTRYbItmaqW-M3CUjHQh9u8AAxvOnabWU 🎓 Get educated on the home buying process: http://stories.brookfieldresidential.com/homebuyersschool
Views: 1663 Homebuyer's School
For more information about Regents Court Financial and mortgage advice, please visit Andrew's website at: https://regentscourtfinancial.co.uk/ If you're wondering whether or not you can get a mortgage, what type of mortgage to get and so on, this video is for you! I sat down with my mortgage adviser to answer YOUR questions about finance in property. To spend two days with me at the Property Investors Crash Course, claim your FREE ticket at: https://www.property-investors.co.uk/
Views: 22021 Samuel Leeds
http://real-101.com Watch more episodes http://www.TraceyBrock.ca Mortgage Broker As a homeowner who is looking for a mortgage on a second home, there are a few options available and the one that is right for you will depend on your situation. Financial institutions vary on how homeowners can qualify for a mortgage on second home, so a good mortgage broker will be able to guide you in the right direction. Watch this episode with real estate agent Joe Terceira, and mortgage broker Tracey Brock of Dominion Lending Centres where she will explain how to get a mortgage on a second home. For more information on mortgage financing or if you need a mortgage broker, contact Tracey Brock of Dominion Lending Centres. http://www.TraceyBrock.ca Direct: 416.788.6207 Mortgage Broker M09001257 Need A Real Estate Agent In Mississauga? Contact Joe Terceira http://www.joeterceira.com Phone: 647.494.0244 How To Get A Mortgage On Second Home http://www.youtube.com/watch?v=VeeYG2xuqdo
Views: 7466 Real Estate 101: The Home Buying & Selling Show
This video features a presentation by The Paper Source titled "Finding Note Holders With Any Budget -- Or None At All -- And Getting Them To Say "Yes!" To Your Offer". If you're looking to sell your mortgage notes, we're buying! Visit our website at http://www.amerinotexchange.com/
Views: 7304 Amerinote Xchange
Federal housing authority, or FHA, is a federal loan given to first-time home buyers as a mortgage. Get access to an FHA loan when buying a first home with tips from a licensed mortgage broker in this free video on personal finance and real estate. Expert: Adriel Torres Contact: ultimatecredittoday.com Bio: Adriel Torres has been in the mortgage business for over a decade. He has owned two mortgage companies and is a licensed mortgage broker. Filmmaker: Christopher Rokosz
Views: 721 eHow
Save yourself the trip out to an office and get all of your big mortgage and mortgage broker questions answered in this interview style video. Contact us with your specific questions! www.altrua.ca
Views: 232 Altrua Financial
How MORTGAGE BROKERS AND LOAN OFFICERS can market to Realtors and get referrals consistently How Do You Convert Real Estate Agents Into Your Referral Partners? Most Mortgage Loan Officers Struggle In Their Marketing Efforts To Find, Capture And Convert Leads And Realtors Into Referral Partners. Get My Newsletter, Tips And Email Here: http://bit.ly/2lzc9wP Check Out The Marketing System Here: http://bit.ly/2DwRl1y Watch The Short Video As Linda, A Super Excited Experienced Mortgage Professional Will Explain Step By Step The Simple Process She Follows To Receive Consistent Streams Of Referrals From Both Agents AND Closed Deal Clients. She Will Explain How She Has Ditched All Marketing Efforts And Focused Everything On This One System She Uses. Just One Example She Explains Is How She Spent About $8 On Marketing And Received Over $30,000 In Return. Realtor Referrals Are Your Best Source And Highest ROI in terms of your time, money, and marketing resources spent. There is no better single source other than Realtors To Find Buyers, Qualified Buyers, Presold On Using You As Lender Of Choice. In Order To Convert Qualified Agents For You, True Connections And Relationships Must Be Made with Realtors. What is The Fastest Easiest and Most Impactful Way To Do This? Simple Appreciation And Tangible Attention. Learn More About The Marketing System Here: http://bit.ly/2DwRl1y FaceBook, Instagram and Other Social Media Tactics Will not work For You. Yes That is What ALL The Online Gurus Are Spouting Out But The Fact Is It Will Not Build True Relationships And Build You A Pipeline Of Constant Referrals Streaming in. Tangible Attention And Appreciation Given To Agents Who Have Served You With Referrals In The Past Or Given To Potential Agents Who May Be A New Steady Source, Will Reward You With Growing Business For Years! With The System Linda Uses You Will Learn How To: ~ Be The In House Lender ~ Have Top Agents Seek You Out ~ Capture And Convert More Agents ~ Become Lender Of Choice ~ Get Agents Want To Brand And Team Together With You And Much More You’ll Learn From The Video Tips On Getting MORE LEADS! : Fill The System Database With Old And New Contacts And Use It To Reach Out, Get The Attention And Market Yourself To These Prospects Below On A Consistent Monthly Basis: ~ Reach Out To At least !0 New Agents Per Month ~ Appreciate Current Agent Relationships ~ Home Builders And Home Builders Association ~ Corporations And Employers Who May Endorse You As Lender Of Choice ~ Apartment Complexes ~ For Sale By Owners This Will Take Time But Will Generate Over 50 Leads Per Month When Consistent. There Are Many Ways To Get Leads. Choose The Most Interesting For You! Thanks For Watching And Any Questions Please Feel Free To Reach Out To Me! I’m Friendly! Best Regards, Paul You Can Check Out The Marketing System Here: http://bit.ly/2DwRl1y Connect With Me Here: https://twitter.com/RavingReferral https://www.facebook.com/RavingReferrals/
Views: 872 RAVING Referrals
Woah, people seems very interested...! The Big Short (2015)
Views: 227274 Charles' Fav Movie Clips
When purchasing a home, have you debated if you should use a Mortgage Broker or the bank? Today, we have Sheriza Shamshudin from Northwood Mortgage discussing this topic. You will learn the key difference between the two to make a better decision. With 26 years of experience, Northwood Mortgage has a solution for your mortgage needs including home purchase, refinance, renewal, second mortgage, private mortgage, and much more. Contact us at 1-888-495-0528 or www.northwoodmortgage.com Follow and subscribe to our social media accounts: Facebook: www.facebook.com/NorthwoodMortgage Twitter: https://twitter.com/NorthwoodMTG LinkedIn: http://www.linkedin.com/company/northwood-mortgage G+:https://plus.google.com/u/0/+NorthwoodMortgageLtdToronto/ Northwood Mortgage Ltd. Lic. 10349
Views: 612 Northwood Mortgage Ltd
In today's real estate advice episode you'll learn about 6 mortgage scams exposed! **To know the mortgage scams to watch out for and how to avoid them, please watch the full video. Thank you!** Many mortgage lenders are upfront and honest at the same time some of the largest lenders in the USA are very deceitful in the marketing practices. You've likely heard the quip "we don't charge you origination fees or any fees period!" Really.... So what are they honestly going to provide anyone a mortgage and not make money!? Yeah right! What happens is that they increase your mortgage interest rate to so it doesn't cost as much money out of your pocket. Over the life of the loan, it will add up to massive $$$$$ you pay. So how to know if a mortgage lender is reputable? Simple... If it sounds too good to be true it usually is and more is involved than meets the eye. The difference between mortgage scams and duping people a different. At the same time, in my honest professional opinion, people like you should know exactly what you are signing and agreeing to before you owe. Knowing the sly marketing approach and how do mortgage companies rip you off is your first line of defense to shady loan officers. Working with a reputable local loan officer that is honest and takes the time to explain your options with you is a great indication you're working with the right loan officer. Share your favorite part of this video and your mortgage scams 2018 tips with us in the comments section below. Thank you! Looking forward to seeing you next Monday with another Real Estate Advice episode. Subscribe & like today! Thanks. If you want help finding one of the best real estate agents in the nation, a CRS, please let me know. I'm here to help! Want to know more about Las Vegas real estate or about buying a house in Las Vegas? Send me a message, I'm here to help! Enjoy an amazing day! -Your Real Estate Geek, Andrew Finney Contact info: Andrew Finney USMC Combat Veteran/ Real Estate Consultant License #S.0173260 Call/ Text: 702-710-0287 Email: [email protected] https://www.andrewfinneyteam.com/ BHHS, Nevada Properties 7475 W. Sahara Ave. Suite 100 Las Vegas, NV 89117 Designations- Certified Residential Specialist (CRS) Accredited Buyer's Representative (ABR) Sellers Representative Specialist (SRS) Certifications- Military Relocation Professional (MRP) Awesome Music Courtesy of: Song: Syn Cole - Feel Good [NCS Release] Music provided by NoCopyRightSounds. Video Link: https://www.youtube.com/watch?v=q1ULJ92aldE Download this track for FREE: http://bit.ly/SynColeFeelGoodDL
Views: 2815 Andrew Finney Team
A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vital. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Views: 364094 MoneyWeek
http://www.ratehub.ca - In Canada, there are a number of mortgage payment options. Mortgage Centre Broker Chris Molder explains the most popular mortgage payment options and their effects. 1:00 Monthly Mortgage Payments 1:16 Bi-weekly Mortgage Payments 1:55 Accelerated Bi-weekly Mortgage Payments 2:33 Calculating Your Annual Payment Amounts ABOUT MORTGAGE MATH: Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, Mortgage Math is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership. Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard. WATCH THE OTHER MORTGAGE MATH VIDEOS: 1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0 2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0 3. The RRSP Home Buyers' Plan - http://youtu.be/f5iz26AflGI 4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o 5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM 6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw 7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w
Views: 34580 Ratehub.ca
Try my business apps http://www.problemio.com for more business help. In this tutorial, Christopher Stafford shares what it takes to become a good and successful real estate mortgage broker. To learn more about how to become a successful real estate mortgage broker, visit Chris's website http://www.tpblueprint.com If you are starting a business, you may be interested in my book on how to go from business ideas to starting a business: http://www.amazon.com/Business-Start-up-Ideas-Comprehensive-entrepreneurs/dp/1495261840 In this video, I ask Chris what is a real estate mortgage broker, and how to become a real estate broker as a career. To become a real estate mortgage broker, you need a real estate license. There should also be a differentiation between a mortgage banker, and a mortgage broker. A mortgage banker is somebody who works for one bank, and gives loans from only the bank that they work with. A mortgage broker takes your information, and takes it to many different lenders. To be a real estate mortgage broker, you have to be a salesperson because these deals don't just fall on your lap. You have to go out there and get those deals. Also, if you want to become a real estate mortgage broker, there has been some legislation passed in 2009 restricting what you can do. So make sure you understand how that legislation impacts your own work as a real estate mortgage broker. what is a real estate mortgage broker real estate mortgage broker how to become a real estate mortgage broker how to be a real estate mortgage broker Book on going from business ideas to starting a business: https://www.youtube.com/watch?v=XtmJEeZmiig What is a business model: https://www.youtube.com/watch?v=dsUz6lfXCkE Video of step by step process on how to start a business: https://www.youtube.com/watch?v=goGyLtvKNeA What is a business plan https://www.youtube.com/watch?v=T63QsuNIwZA Course on how to start a business: https://www.youtube.com/watch?v=kgyLxrhgdAk Fundraising course on how to raise money: https://www.youtube.com/watch?v=EwT3oXlCRdA Fundraising strategies book: https://www.youtube.com/watch?v=wczuIohbG7k Hiring tips and strategies: https://www.youtube.com/watch?v=LEPLs1dOBZg Entrepreneurship playlist: https://www.youtube.com/watch?v=c1fcvHu26XQ&list=PLAgq5S6WQmzFQsL2NvOU2wVGnz92xhPEA How to protect business ideas with NDA https://www.youtube.com/watch?v=3LQtO7q8xug How much to pay yourself as the business owner: https://www.youtube.com/watch?v=k1dq4vjT5z0 Top reasons why businesses fail: https://www.youtube.com/watch?v=yXZ9IT-bUw4 How to start a business with no money https://www.youtube.com/watch?v=8gTZknxNoZg What is ab testing and how to do ab testing: https://www.youtube.com/watch?v=BTjGBwRBI10 How to work from home efficiently and be productive: https://www.youtube.com/watch?v=S0OIf6R-sak Different types of business risk: https://www.youtube.com/watch?v=NlQgo1KYEqw Should you use a web hosting company for a website: https://www.youtube.com/watch?v=Ba69JkQLqwY How to open your own franchise business: https://www.youtube.com/watch?v=A_cnPMNJLRs How to pitch your business: https://www.youtube.com/watch?v=m8F6kVEUqIE How to stay motivated as the entrepreneur starting a business: https://www.youtube.com/watch?v=OURdhu3AVNI How to find business partners and co founders: https://www.youtube.com/watch?v=SJ0diYwM3Wk Starting a business with no experience: https://www.youtube.com/watch?v=PWbQtguyywk Entrepreneur health: https://www.youtube.com/watch?v=60OVfcYw1uw How to manage your time as an entrepreneur: https://www.youtube.com/watch?v=M96v03kCMkI What is a business mission statement and why it is needed https://www.youtube.com/watch?v=0c8_8YV47ug How to get out of poverty by starting a business: https://www.youtube.com/watch?v=20eX43HsaIo What is a real estate appraiser and how to become one: https://www.youtube.com/watch?v=lMvY3umALt4
Views: 5933 Start & Grow Your Business
Go to www.mortgageaustralia.com.au/brokers for more information. 36 Ways Mortgage Brokers Get More Home Loan Clients. This 15 min video details many 'done for you' sales and marketing systems and support to grow your Mortgage Broking business.
Views: 61 Mortgage Australia
I discuss the report with Chris Bates, mortgage broker and financial planner - he is not impressed! Chris can be found at www.wealthful.com.au & www.theelephantintheroom.com.au plus via LinkedIn: https://www.linkedin.com/in/christopherbates Find more at http://digitalfinanceanalytics.com/blog/ where you can subscribe to our research alerts Please consider supporting our work via Patreon: https://www.patreon.com/DigitalFinanceAnalytics Or make a one off contribution to help cover our costs via PayPal at: https://www.paypal.me/MartinDFA Please share this post to help to spread the word about the state of things.... Caveat Emptor! Note: this is NOT financial or property advice!!
Views: 5912 Walk The World
http://mortgagelocator.ca/ Hi, everybody. Rowan Smith from the Mortgage Center. I want to talk today about self-employed people and what the banks want to see from you in terms of the income documentation. Like everybody else, they want to see notices of assessment to prove that you're filing your income-tax, as in you have no arrears, and they want to see how much your filing on there. But what about somebody who's been a plumber for 25 years and finally decides to go out on their own. They go out on their own and they're making way more money, but they've only been doing it for a year and a half. Here's the thing, that's a tricky situation for a bank. The bank wants to see that you've got a two-year track record of income. But if you were employed back then and now you're self-employed, how do they make the connection? Now, not all banks, but several of them have a much more open idea here. What they'll do is they'll look at your historical earnings as a plumber, or whatever your job was. As long as you transitioned into self-employment in the same industry doing the same thing they'll use an average of income over those years, including your start-up years, but also including your years as a salaried employee. This is particularly important for a guy who's been self-employed for only one year but has been doing something for 25 years. Often times they move to self-employment not because they were foolish but because they saw there was a lot more money to be made if they were the boss rather than just collecting a salary. So, if you know somebody in this circumstance, someone who's been told, "You haven't been in business long enough," but they've been doing the same job for a very long time, have them contact me. It's Rowan Smith from the Mortgage Center.
Views: 429 Canada Mortgage
https://www.dailyreckoning.com.au/hayne-review-slaps-banks-on-the-wrist/2019/02/05/ Hayne’s findings suggest ending trailing commissions for mortgage brokers on all new loans. And over the next two to three years, Hayne recommends the end of the banks paying brokers. Instead, customers should pay upfront in a ‘fee for service model’. In the report, Hayne points to 24 cases of criminal misconduct, some of which may be aimed at the banks or individuals. National Australia Bank has copped the brunt of Hayne’s wrath. However, in a plot twist, Hayne has recommend that all 24 cases of criminal misconduct be followed up by APRA or ASIC for ‘further investigation’. This in itself is hilarious. Financial Services Guide Please keep this guide for future reference. A copy is available from us on request or can be downloaded from our website at www.agorafinancial.com.au/financial-services-guide. If you do not understand anything in it, or require more information, please feel free to contact us IMPORTANT: We provide general financial product advice only. The advice published by Agora Financial Australia has been prepared without taking into account your objectives, financial situations or needs. Before acting on our recommendations, you should consider their appropriateness to your specific investment objectives, financial situation and needs. If you are uncertain as to what your objectives and needs are, you should contact a financial adviser or stockbroker who is licensed to provide you with personal financial product advice.
Views: 1062 The Daily Reckoning Australia
http://www.onlinewithjohn.com – How Does A Mortgage Broker Get Paid? How does a mortgage broker get paid is a search I did a few years back. I was a mortgage broker for over 10 years. I made really good money for a long time. I loved being on my own. So you’re wanting to know how does a mortgage broker get paid. The first way they get paid is an origination fee. This is the fee the borrower pays you to do the loan. It’s usually a percentage. They also get paid a yield spread premium. This is what lenders pay you based on the interest rate. The higher the rate the more yield spread you make. Lastly you get paid a split on the fees other loan originators make on the loans they do. These can be anywhere from a 60/40 spilt to 70/30 Now remember a lot of this has changed after the mortgage crisis. The government put major restrictions on loans because of all the foreclosures. It’s really a good thing. It destroyed the housing marketing for a long time. I left the business because of all the restrictions. I went into internet marketing where the sky is the limit of what I can make. In fact the guy that brought me in makes 7 figures. I wanted what he has. Let me give you another option. Look at internet marketing. Before you make a decision. Sounds like you are still looking. Everything is moving towards the internet. Think of what is would be like to work from home. Trust me on this shorter hours. Click the link above and checkout what I am doing with internet marketing. I will talk to you on the inside. https://youtu.be/Wd4OJDUy3G0
Views: 618 John Richards
I am the owner and operator of Mortgage Choice Inner West from Footscray-Yarraville-Williamstown. As your local Mortgage Choice broker I have access to hundreds of home loans from over 20 banks and lenders. If you are looking to buy a new home, investment property or even refinance your current homeloan, chances are you have a few questions about the best way to arrange finance. How much can I borrow? How much deposit do I need? Will refinancing get me a better deal? Do I have enough equity to buy an investment property? How do I apply for a home loan? How long does it take to get your home loan approved? I can help answer these questions. I will also help with the paperwork and do all the running around. There is no charge for our home loan service. So let's sit down and find a home loan that suits you! Services Include: First Home Owner Refinancing Upgrading to your next home Investment Loans Debt Consolidation Loan Top-ups (renovations, car or holiday) Insurance (Mortgage Protection, life, building and contents, car) Car loans Personal Loans Special thanks to cafe 'Est1906' at 81 Charles Street Seddon for their support with this video.
Views: 694 Jonathan Lee
The following is a true story. Purchaser loses 10% deposit. Purchasers losing their deposit on a property! It can happen, and in this instance it was $66,000. What do mortgage and home loan brokers do and how they compare with a bank lender? o Brokers assist with achieving some of the lowest interest rates in the market place. o Mortgage or Finance Brokers keep themselves abreast of the every changing regulatory environment, bank credit policies and lending attitudes o Brokers assist with structuring loans effectively to meet client objectives, tax effectiveness, so minimal fees are paid etc. o Brokers help facilitate timely settlement on a property so purchasers/vendors don’t pay huge penalties and costs and more importantly don’t let a purchaser lose their deposit! Visit us at http://www.Astutefinancial.com.au/Ryde or http://www.raineandhorne.com.au/blacktown Related links • How to deal with a Low Bank Valuation or a Valuation Shortfall • Astute Financial’s videos are designed to help you become more informed and more in control of your finances and your financial future. They are aimed at beginners, property investors and sophisticated clients. • In all our videos we introduce things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter (the in-depth discussions happen during a financial consultation with us where we look to enhance your financial well-being).
Views: 59 Oz RealEstate
Thinking of going straight to your bank to get a home loan? Think again! Here's why you should use a mortgage broker to get a home loan instead! To learn more about the benefits of using a mortgage broker over a bank, check out this article: http://www.specialisedmortgagesolutions.com/single-post/5-reasons-to-use-a-mortgage-broker Barry Swain is a mortgage broker located in Orange NSW. With over 25 years of industry experience and access to over 25 different lenders, he can get you a great deal on your home loan! He can help with all types of loans including: Home loans Investment loans Construction loans Car and other vehicle loans Business and commercial loans First Home Buyer loans Refinancing/debt consolidation Lines of credit Personal loans Equipment finance Self-managed super fund loans Self-employed loans Give him a call today on 0412 400 712, or send him an email at [email protected]
Views: 24 Specialised Mortgage Solutions
Introduction to mortgage loans. Created by Sal Khan. Watch the next lesson: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/mortgage-interest-rates?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/renting-v-buying/v/renting-vs-buying-detailed-analysis?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets Finance and capital markets on Khan Academy: Most people buying a home need a mortgage to do so. This tutorial explains what a mortgage is and then actually does some math to figure out what your payments are (the last video is quite mathy so consider it optional). About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We've also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content. For free. For everyone. Forever. #YouCanLearnAnything Subscribe to Khan Academy’s Finance and Capital Markets channel: https://www.youtube.com/channel/UCQ1Rt02HirUvBK2D2-ZO_2g?sub_confirmation=1 Subscribe to Khan Academy: https://www.youtube.com/subscription_center?add_user=khanacademy
Views: 240916 Khan Academy
🏡 How To Get 3-5 Exclusive Mortgage Leads Per Day Without Paying Zillow Contracts Or Sucking Up To Realtors 🏡 Here's a quick video on our 5 step process for any Loan Officer to take control of growing their database and having a handful of home buyer leads to pass out to Realtors every single day. http://LegionofLoanOfficers.com 👍 Like, comment, and share if you find this valuable 👍
Views: 8854 Nick Carpenter
Mortgage Broker Tricks! Welcome to Mortgage Broker TV and be sure to SUBSCRIBE: http://bit.ly/barrfinancial to learn more insider property tips and mortgage advice. One of my BIGGEST PET HATES in this industry is mortgage brokers throwing out rates that people can have, without even knowing the person's circumstances in detail! I see this widely on the social forums when someone asks whats the best rate, then you get a pathetic contest of brokers (massively doing themselves a disservice) by throwing out random rates just in the attempt to hook them in. They have no idea at this stage if that person can even get that rate! I also see this with potential clients who call in after speaking to other firms. When someone calls in and they want to know "what's the best deal" to many of you are just throwing a bone by chucking out a rate! When in fact you should be saying, I have no idea until I learn more about your circumstances! But too many of you are afraid to say '"no"! I have two major issues with it: 1) From a professional perspective, these guys and girls have no idea what rate you can get. Until you actually speak to a client in detail, only then will you start to get an idea. But even then, you need to spend time researching with all the documents to truly know exactly what you can get. 2) The other massive issue I have; they are all trying to hook you in...don't fall for it! Another big issue I have is unnecessarily doing AIP's (agreement in principle's) sometimes also known as DIP's (decision in principle). Which can have a detrimental effect on you actually getting a mortgage if too many are done in a close period of time! To put some more understanding on what an AIP is; its the first stage of a mortgage application. But (and importantly) you can put any figure in there you want! In other words, it has minimal value if its done wrong! And the worst offenders for doing AIP's unnecessarily are not just mortgage brokers but also the banks themselves...I heard a radio advert yesterday from Barclays saying find out what you can borrow by just entering your details and doing an AIP. The brutal truth is often they are all making it sound so much easier than it is! As professionals assessing income is far more complex than you can imagine. It's highly likely what 'joe blogs' inputs themselves will be wrong or interpreted differently by the lender, The end result is what someone thinks they can get, will highly likely be very different in reality...IN OTHER WORDS, EVERYTHING CAN CHANGE! BUT THAT INITIAL HOOK WORKED! The point is simple...you don't need an AIP to work out what you can borrow. You need to put your income in front of a broker and they will tell you after they have worked out all of your income and outgoings....oh and the best part is they will look at the whole of the market, not just one lender! 9/10 cases we don't do AIP's before we submit as we take the time to understand a case. There are of course the odd case where it is prudent to do so, but it should not be the default starting point. As a Mortgage Broker, I am passionate about helping people get the best advice and this channel is dedicated to helping you with independent mortgage advice. Thank you for watching this video. I hope you subscribe and keep an eye out for future videos. Don't forget there are lots more insider tips related to property, property investment and mortgages. I would love to hear from you, so please drop me a comment and say 'Hey' ;) One of my biggest tips for anyone getting a mortgage is to quite simply use an Independent Mortgage Broker, even if it's not us. When it comes to your biggest debt it's really important to seek professional advice. Ben Parry is the owner of Barr Financial an Independent Mortgage Broker UK firm. If you would like to join him on his business journey with the ups, downs & challenges of growing and developing a business, then check out "The Daily" playlist. With a background in finance, property investment and on the job training of starting and developing two companies, he has experience and knowledge to share. His businesses include Barr Financial and an early stages Tech Startup. Keep tuned in to find out more on that one! Ben started Barr Financial in 2009 at the height of the financial crisis to offer his clients truly Independent Advice. Despite the financial crisis, he has grown the company from a one-man operation into a successful business helping clients throughout the UK. Thank you for coming to this channel, I hope you subscribe and keep an eye out for lots more to come. Find Barr Financial on: http://Facebook.com/BarrFinancial http://instagram.com/barrfinancial http://twitter.com/barrfinancial Find me on: http://Facebook.com/followbenparry http://instagram.com/followbenparry http://twitter.com/followbenparry https://itunes.apple.com/us/podcast/the-parry-podcast/id1339879976 Google Play: https://playmusic.app.goo.gl/? Pocket Casts: http://pca.st/zQv3
Views: 142 Barr Financial
Established over a year ago, Enness International has a dedicated team of experts catering to HNW clients looking to acquire or refinance overseas property. Our locations include, but are not limited to, France, Monaco, The Balearic Islands, mainland Spain, Italy and Switzerland. Daniel Howarth, Co-Head of Enness International, discusses the ways in which our specialist brokers can assist clients looking to invest in European property. With many years of experience arranging finance internationally, outstanding technical knowledge and excellent communication skills, your property investment will be in safe hands. If you’re looking to invest in or refinance European property, get in touch with one of our International specialists today.
Views: 144 Enness