You must be more than happy

No matter what the task or goal, stay focused and should you feel that new representation is in order. Do so in writing as well as promptly as possible to avoid any complications from the agreement you signed. Just 'cause someone has their license to sell homes doesn't mean they are good at what they do. Ask questions, get it in writing, make sure your getting what you want-"Steering" is illegal. Don't let a sales rep guide you-YOU guide them on where you want to live.

Quitting is the easy part.  What comes after is far worse than the pain you were in when you decided to quit. When you quit you are looking for the immediate gratification of the pain stopping, looking for the feeling that you are done and don’t need to keep going on;  and if feels good!  It feels better than anything else; for about 30 min, but what comes next is far worse. Your brain goes into overdrive.  The questions start to come, what could I have done differently, or asked for help on, or just had some more patience. See quitting is often a permanent solution to a temporary problem. The mind or body is saying that you don’t deserve this, or that it is too hard, or why does this only happen to me. When in fact, it happens to everyone.  The comfort zone is a strange thing.  It allows you to exist and doesn’t want you to push further.  When people get out of their comfort zone the first instinct is to quit; they say this is too hard. When in fact they haven’t figured out an alternative; many times this is just the beginning on the path to greatness.

Feel free to review my LinkedIn profile: as I am not a fan of broadcasting my sales details on the internet...which will be the topic of my next blog.




Mortgage Approval

112,526 Mortgage Stock Photos, Pictures & Royalty-Free Images - iStock

Before looking for homes it's obviously important to know what you can afford!!


Back into what lenders use to qualify buyers for a mortgage and what are important factors in determining loan approval.  You apply, get approved or denied. AT LEAST YOU'LL KNOW what to do if denied!!



Total monthly debts are determined by adding the normal and recurring common monthly debt payments such as monthly housing costs, car, credit card payments, personal loans,student loans, child support, alimony etc etc.

Lenders actually look at two different ratios called the front-end and the back-end.
There are plenty of lenders to give you their time to earn your business. Personally, I'd recommend a Mortgage Broker as they have more channels to get better rates & can do more for you than a bank that usually has higher rates.

In addition to determining whether the buyer qualifies for MONEY, it could affect the interest rate.  Having good credit and having the proper ratios will result in an approved mortgage.  On the other hand, if the debt is on the upper side of an acceptable they might ask for a higher rate to manage the higher risk. A good Mortgage Broker will explain this to you.


Find a Mortgage Broker to help you with your credit snapshot and give you an accurate picture of what price home you can afford and the rate you can expect to pay. Best case, your approved-worse case is you'll know what to do to get approved!!
Just remember this, all lenders are not the same, and Michael Jordan didn't quit after his first shot so if you get denied DON'T WORRY. try one more time & make a goal with the information you gathered to GET approved!!

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