A New Year, A New Outlook With New Ideas

• January 8, 2023
• realestate
• Podcast

The new year is here and that means a fresh start with a new outlook and new ideas! Let go of the past misconceptions and information. Harness a new way of thinking so you can make your real estate life into reality! In this episode, Michael Harris celebrates the new year with you by sharing key updates of the market happening at the onset of the year—from interest rates to fed movements to the fluctuating inflationary environment. Plus, equipping you with the tools to face the year ahead, Michael offers resources and guidance to help you navigate your finances and create the wealth you deserve!

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Listen to the podcast here

A New Year, A New Outlook With New Ideas

It’s 2023. The first few trading days of 2023 saw some improvement in interest rates. The party got derailed with some good news. We’re going to talk about what’s going on with the market. We’re going to see what’s going on as 2023 progresses. We’re going to see what we can do to help you with your real estate life. I have been doing this for many years in the mortgage industry and I’m here to help you save money.

Interest rates have gone up. They’re higher than they were in 2022. People are saying, “Why do I need to do anything? Why do I need to listen to a program? I get a great interest rate.” We’ll talk about losing the extra interest that you’re paying and taking care of your debt much sooner. It’s not getting a second job. It’s not coming up with money that you haven’t had. It’s doing something a little bit different with your money and the timing of your payments. We can take care of that and reduce your interest tremendously.

My own home mortgage, I refinanced that and bought the home. I ended up lowering my rate. I have a great interest rate. I’m at 2.75%. I’m not touching it, but I would have to pay it, let’s say, for another 27 or 28 years. If you look at that 2.75%, you look at your statement, more money goes towards interest than principal. That’s usually how it goes for quite some time, even until maybe about midway through. If you look at the effective interest rate, it’s much higher.

I want to talk to you about eliminating a lot of those upfront months of interest. It’s not just, “Let’s make an extra payment.” That’s not how it works. My debt including my mortgage is going to be paid off in single-digit years. I’m shedding close to twenty years of interest. I want to show you how that can be done. I want to give you a separate conversation. I want to plug in your numbers and show you what I can do for you. Call (888) 543-3980.

I’m a mortgage banker. I am here to help you purchase, refinance and put you in the right position to then save the most money that you can. Interest rates do have a high 5% or maybe a low 6% attached to them on a 30-year fix. There are some programs available that we’re doing. We’re doing a 3-2-1, 2-1, 1-1, and 1-0 and all these numbers. There are many numbers. What we’re doing is we’re buying down 1 year or 2, even 3 by 1%, possibly then 2% or 3%. We’re lowering the interest rate in the early years. By doing that, someone’s got to pay the bill. In this market, as we are seeing, we are getting or looking at sellers paying closing costs, retaining a purchase price and an appraised home, and then possibly looking to pay closing costs towards that buyer.

That closing costs will then look to buy down those years of interest. They’re paying that prepay of the interest, lowering your overall monthly. Where that is key? We are seeing the Fed fighting inflation and raising interest rates on the overnight lending rate, the discount rate affects the prime and some other consumer lending. We’ve seen mortgage rates go up and they’ve started to come back down. As the Fed is going to be finishing their increasing cycle, maybe another quarter and then maybe one more quarter after that, we’re going to see mortgage rates maybe come back a little.

As we start seeing that occur and you have a 1-0, 2-1, or 3-2-1 buy down, you’re buying down your rate. You can move sideways at a later time. Many people have had some issues going, “They’re prepaying that closing cost to buy down my rate for that 1 year, 2 years, or 3 years, and I refinance. What happened to that money?” When the seller or realtor contributes and does that, that money is your money. When we pay off that loan with a future refinance, it lowers your principal by the remaining total that was not used. There’s a lot of intricacies to this. I like to share them with you and I want to show you how I can help navigate you through this process so you can save money.

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2023: Navigating The New Year

We’re watching interest rates. In 2022, right after the beginning of the year, we saw interest rates take off and they never came back until possibly a little bit near the year’s end. In 2023, they started going down. That’s fantastic. Good news. Hopefully, they’d never look back. They’d keep going down. I’m not sure we’re going to go down to where we were on that 2% or 3% level, but I do see in the future a 4% on the horizon. Maybe we could get comfortably it back into the 5% and then we start edging that through maybe come summer.

A lot of our clients are in positions where they’re saving money doing what they’re doing today to be in a position to refinance later on. It’s not pay today pay later. It’s very little cost now. Even on the purchase transactions that we’re doing, we’re trying to close these with little to no cost. We’re in a position to do that also on a refinanced down the line when interest rates may be better. If interest rates don’t get better too quickly, they still have a great loan. We’re making these decisions together. We’ll sit down. We’ll discuss, go over, and look for the best option for you.

If you’re in the purchase market, I like to help you with your purchase transaction, whether it’s in California, Colorado, Montana, Texas, or the state of Washington. Those are the five states that I am approved to do lending in. There are some products that I can do loans on in other states and lend but those are the five primary states. We’re doing a lot of purchase transactions in a few of those states where there’s still a lot of homebuilding going on. There’s a lot of home building that’s on delay and then it’s looking to get started.

A lot of things are causing that to occur and in some of these markets, it’s the weather. We’re waiting on getting through that process, but I’m here to help you get pre-approved. Now a pre-approval is looking at your documentation. It starts with a conversation. It’s one way, but we’re having that now. When you pick up the phone and you call (888) 543-3980, we’re going to talk to you and we’re going to understand your job.

Is it a W-2 salary? Do you have overtime or a bonus? How long have you been on the job? Are you self-employed? How long has your corporation or your entity been in existence? How long you’ve been self-employed? Has your income gone up, or has it gone down? What’s the likelihood of continuation? Do you have disability income? Do you have a social security income? Do you have a pension or retirement income that way? How is that structured?”

We want to understand. You own real estate. You have tenants. How long have you been a landlord? How much is your experience? Are you looking to buy a rental property? All of these things are important when we look at the makeup of how we put your loan together. We want the best option for you, but knowing everything allows us to determine that. It’s not we find out a few things, throw you into this loan, and, “I wish I would have known. We would have got you that.” No, we want to know the best outcome.

That being said, we’re getting that job done, getting you in your home, or getting you the best result whether you’re consolidating some debt that is more expensive. Some of these credit cards now are in their twenties. They’re very expensive and you’re paying a lot of interest. Some of these fixed personal loans and other items are also very expensive. If we’re able to get a good number on them, that’s number one, but that’s not where it stops.

What we are doing then is analyzing. We’re taking all the data that we have from the loan that we’ve gathered. We have credit, assets, and income. We have everything. We’re going to ask you a few more questions to round it out, but then I want to do a one-hour with you and sit down and run your numbers and show you what a personalized financial GPS can do for you.

You’re saying, “A GPS, what?” You’re driving right now. You’re in your car. Some of you use navigation devices, but a lot of you know where you’re going until you’re lost. You look at the best route to take. You’ve taken this route, it always works, but then you don’t know what’s happening and what detours until you get there. If you use a GPS for your car and you make the wrong turn, it will say, “Recalculate,” and give you a new direction.

The same way as it is with your finances. You can make your own decision, but if you’re off track, it’d be nice to know how to get back on in the most efficient manner. If you follow that GPS to the letter, you will have the best results. I shared with you at the beginning of the program that all my debt including 2 mortgages, because I have 2 properties, and other items are all going to be taken care of in a single digit. My mortgage, I bought a home a few years ago. I did refinance. I took it down, took my own advice, and got into my property.

When I bought my home, interest rates were a little higher than I knew they would be. I knew they would be going down. I did a no-point loan, but I also raised the interest rate, garnered some more money, and paid the insurance and all the items. I got into my home for a down payment only. Shortly thereafter, I was able to refinance and lower my rate as I shared 2.75.% I’m not sure we’re going to get to that level again, but we are looking to go down from where we are.

I want people to get in with less cost so we can then get to the second step. That’s another tangent. What we’re doing is that loan that I did, I would have 28 years left, but I’m going to shave 20 years off that loan. I’m not paying extra principal. I’m not doing a bi-weekly. I’m not throwing this or that in. I’m handling items in an efficient manner the way the bank does with your money. There are eight principles. We can share them together, but I want to hear from you.

If you have any interest at all or you’re intrigued, I’d like to send you a couple of very quick links that you can go ahead and review to get an overview and if you have an interest we can set a time to talk. If you like you can send me an email to Radio@United4Loans.com. What I’m looking for is your name, email, or perhaps even your cell phone number and I can send you via text. I can email or text you the information.

All I’m looking to know is I want your opinion. I want to know what you think because I know what the people who are utilizing this opportunity think. This opportunity is saving boatloads of money of interest for many. It’s not only for those who have a lot of debt. It’s for those who are looking at future planning. You’re able to input these items and it tells you what that does and how it adds or subtracts because subtract is if you are buying a rental property, you have rent coming in, and it’s offsetting the more gauge, maybe you’re getting what is called a DSCR or Debt Service Coverage Ratio loan that I can do for you and maybe that income is reducing debt even faster.

We have individuals who are buying more property. They’re paying their 30-year loan off in 4 years. We have one gentleman in the Nevada area. He now has 40% of his properties. I’m saying 40% but think of 100% and go 40% free and clear. He’s adding on to his portfolio, rents offsetting, and he’s utilizing this opportunity and it’s phenomenal to wealth creation items as well. It’s not only debt relief. It creates wealth, financial security, and a legacy for you and your family.

Pick up the phone. Give us a call at (888) 543-3980. This was all about the non-farm payrolls that added 223,000 jobs on an estimated 200,000. November was revised lower from 263 down to 256. October was revised lower from 284 to 263. The rolling average now for three months is 247. We saw wages increase by about $0.9. It’s $32.82 an hour. We saw hourly earnings rise by 0.3%. We saw average hourly earnings rise by 4.6%. The headline number though, the employment number went down 3.5% from 3.7%. That was interesting, but the under-employment rate dropped from 6.5% to 6.7%. The labor participation rate from 62.1% to 62.3%. A little bit more participation as well.

We’re keeping an eye on things, numbers, statistics, and various other items that are coming out and seeing how the economy is doing. The Fed is still talking tough. The economy slowing. The Fed’s mandate right now is to get inflation down but to do that, they need to slow the economy. It’s like rooting for bad things to happen. it’s like, “Okay,” and then you got everyone else going, “I’m not going to let that happen.” It’s like, “Okay.” The Fed is going to get even harder on it.

We got to watch that. We’re watching those wages in December. They were weaker than they thought, although they may be an outlier with temperatures in various other things. We’ll look at things how they offset and we’ll go as we see, but a Chair-Pal is going to play a key role in 2024. We’re looking at a 25% increase on February 1st, and then 6 weeks later, maybe another 25%. That’s on the heels of the last increase of 50 basis points. Prior to that, we had 75%, then 50%, and maybe 25%. I don’t see anything occurring for the rest of the year. I don’t see any easing. I don’t see anything coming back. I think we’re stable and that stability is going to allow mortgage rates to get a lot better.

We have consumer credit and wholesale inventory. We have a note auction going on for the three years. Wednesday, we have mortgage applications which saw a record low. I’m feeling that pain as well. We are busy. We are helping individuals, whether it’s debt consolidation, home improvement, or in some cases, people had a loan that is a variable. It was a loan that was fixed for a period of time and it goes to a variable. Those variables are now being increased. We’re going to have some pain this year with some people having adjustables. We’re moving people sideways and securing where they are. If that’s you, I like to talk to you at (888) 543-3980.

We have the ten-year note auction, December CPI, jobless claims, and the 30-year auction. We have important export and University of Michigan consumer sentiment. How do you feel? We’re going to find out how that’s going on. We saw the ten-year lower by 33 basis points. We saw the coupon increase for the mortgage-back securities. We saw this as a good thing. We were up 115 basis points for the week. That was better for interest rates. In that ten-year note, we were much better as well. That was good news for mortgage rates and for our clients because we did not have a loan that was locked.

We were writing, we have saved money, and we’re doing phenomenally well. Each individual will make their individual decisions as we do but we want to give them the right information and education to do that. We do that with our real estate partners. We want to make sure we’re in communication as we are. We saw the Dow. It was up 483 points. The majority of all that was where it was up 700. NASDAQ was up 102, and S&P was up 55, but we are here to give you results. You can go to our show site at YourRealEstateLife.com where you can follow the markets on a daily basis, information as it’s posted, our blog, and general information.

You can get started at United4Loans.com. You can pick up the phone, we can have a consultation. I can come and meet with you. We can meet via technology. A lot of things now could be scanned, uploaded, and emailed. There are secure sites. A lot of stuff happens very quickly. I told the story that we had an individual who was reading this program. They were right set to close. He’s probably reading now. He was set to close on December 5th, two weeks prior to Thanksgiving.

He was reading our program and felt maybe his rate was a little higher. He got locked in on that Friday. I mentioned where interest rates should be. He mentions where his lock was. I go, “That’s too high.” We were able to catch up and get the loan approved prior to Thanksgiving less than a week. We then get the appraisal done the Friday after Thanksgiving. Got the loan secured, loaned documents out, and then he was out of town after he signed the loan documents, and we were set to close on Monday, December 5th, 2022, and we got it done, all taken care of.

The crux of it all was we lowered his interest rate by 0.625% from where he was with the other lender. The other lender, it wasn’t all their fault. It was a timing item to the market. They locked the loan in, and rates fell the next day, but the problem was there was no sharing of information after that occurred other than the fact, “It was only a one-day thing. Never mind. The rates went back up.” No, they didn’t.

Once our loan got approved, the other lender wanted to match the price. Now they had a resubmit the loan to another lender because they were now approved and locked in. The problem is now they wanted to extend the escrow past the closing date. I said, “I don’t need extra time. I had the loan a week and I was already caught up in the head.” We were able to get the loan closed and save the money, 5/8 in the rate.

You haven’t heard the most of it. We saved over $7,000 at the close. I even gave money credit back towards the close, picking up his old appraisal as well as the new one. It doesn’t stop. There are many things that are being done out there, but there are many good people out there, too. There are people who sometimes can’t figure out the best logistics and sometimes it doesn’t happen. I understand that. It happens to all of us. I want to make sure you’re getting the right transaction for the right timing and the right cost.

The result is, “I’ll do something later.” Well, how much later and how much do you have to spend to be doing that later? It’s your money. I spend your money the way I spend mine sparingly. I want value for my money and so should you. Your lender should not love you. You do not need that kind of love in your life. You need to make it stop. This is your money. You work hard. I want to keep it with you as long as possible.

Once you’re in the property, I then want you to pay back that money as fast as possible with the least amount of interest going to that lender. I want to remove that obligation and create wealth for you and your family. Pick up the phone. Let’s have a conversation. (888) 543-3980. If I can’t save you money, we will part ways and say, “Thank you for calling.” You’re going to be surprised how much money you can save whether you own 1 property, a dozen or 100, or whether you own no property.

We had a young lady who read the program. She didn’t own a property. She was renting, but she had a lot of debt. We took 15 years of debt that she was scheduled to pay down to 3.3 years. She’s creating wealth and she now she’s eyeing the idea of affording a home. If you’re renting, I want to talk to you. If you own a home, I want to talk to you because I want that mortgage to go away as fast as possible. You’re going to pay the least amount of interest and you’re going to create wealth. If you have an idea that you want to buy additional real estate for additional wealth creation, this program also works for you.

There are many ways and many things that nobody has ever shown you. Sometimes, you’ve got to do a little something different. Let me send you a couple of links to take a look at. That’s where we’ll start. No obligation. You’re not going to get harassed. No one’s calling you. We don’t sell your information. It’s all under my control. All I need is your name and your phone number and I’ll get that information out.

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We’ve been getting involved with people eliminating interest sooner. How are we doing that? There’s a principle. It’s very complicated because If I could do it, I would do it. I have done a very good job of that over the years, but if you were doing 100 things correctly out of 100, that’s fantastic. If you were doing 90, you’d still have an A, but those 10 things can cost you a lot of money. Even if you’re doing it at an A-level, you like to get those other ten as well. I’m utilizing this opportunity myself. I truly believe in this opportunity. It allows me to have a conversation with a perfect financial GPS that I can test my wares against because maybe I was doing the same or similar. Maybe I’m just confirming the unknown.

If you have the ability to have your numbers run for you and you could eliminate obligations sooner doing what you’re doing now with your income and items but doing it in a more efficient manner, that’s what you’re working hard to do. We have individuals who are freeing up additional funds and monies, and reducing obligations and debts. I had one young lady. She excited. She calls me on now almost daily and gets excited watching the progress. She’s watching her account go higher. She’s watching her deck go lower. She doesn’t quite understand but she sees it happening.

You can try to explain it, but when you have a perfect financial GPS with hundreds and thousands of various items programmed for perfection, that gets updated, you have the support. You have everything you need to be successful. You have this with you and it’s yours to access. It’s all safe because there’s nothing online that says your account numbers and everything else. It means you have an efficient system. Some of you have Excel. Some of you set up your own. Some of you set up envelopes in a drawer.

Let’s take a look together. Let’s see what we can do to help. We’ve been doing this with our current clients, our past clients, and potentially, future clients who are freeing up obligations and debt improving their debt ratio, and increasing their credit scores to put them in a position to buy their first homes, for some, second homes, and for some, vacation rental property. We have one gentleman that I’m working with. He has a number of properties. As an investor, his goal is, “I want to leverage my goals and to pay off all my debt.”

If you’re leveraging properly and you’re reducing that obligation, you’re able to get more property, more rent coming in and you’re able to do that even more efficiently and even have more wealth created with these products, loans, and this opportunity reducing the debt sooner to allow more to come in the backside. It’s very complicated, but those of you who have rental property will understand. I like to talk to you as well. (888) 543-3980.

If you’re looking to purchase, refinance, or eliminate debt and obligation, but you’re not ready to get a loan, that’s fine. There’s no refinancing. There’s no debt consolidation. There’s no fancy thing. Your credit score is not being affected. You’re not walking away from obligations and debt. That’s not what we’re talking about. We’re talking about eliminating interest faster. When you have a mortgage, it’s amortized debt. Some other debts are simple interest and they’re leveled interest payments.

I wanted to show you the principles of these items. It’s not that complicated. I’m not giving you another Degree in Finance, but you can follow this comfortably. I sent the information to the individual. He reviewed these items on a number of occasions in the last day. I also sent him an additional item. I sent him the presentation that I would do or talk to you about and go over prior to inputting your numbers. I sent them that on Vimeo so he can review that at his own speed. He is telling me, “When are you available?” “I got a show in the morning.” “After the show, are you available?” He’s looking and excited about it because he sees the value of what this is doing.

It eliminates a lot of the arguments between spouses. One spouse wants this. One wants this. One wants to pay for that. We prioritize. It’s the perfect financial GPS. You can go away from it and it’ll tell you what the consequences are to the timelines if you do this versus that, but it’s going to give you the perfect movement of money that you input. Now junk in, junk out, you got to put the right stuff in. We’ll do that. You’ll have my support. You’ll have the customer service and team support. You’ll have everyone there for you, making sure you have your setup correctly. As you use it for the first month, you’re going to enjoy and understand and you’re going to make this thing sharp.

Perfect Financial GPS

You’re going to have your waste management, electric, car, phone, and auto insurance. Everything will be there and every day, it pops up what you need to do. That simple. It’s that easy to handle and work. Email to me at Radio@United4Loans.com. Your information is not shared. It’s not sold. It’s not going anywhere. I’m 100% shareholder of United Mortgage Corporation of America. The buck stops with me and I want to save you money.

Interest Rates From Last Year To Now

Watching interest rates. My advice is if you’re looking to purchase, we want to be a little bit creative maybe with a buy-down program. Take a look at the opportunity of where you’re buying. Talk to your local professional realtor who’s going to tell you the market and what’s going on, the buyer and seller, and what’s happening as far as your offer. If we can get money towards your close, then we have some other opportunities and things to talk about.

If you’re looking for a straight 30-year fix, those are available in different terms of time. Some of you are gamers. If you want to amortize your loan over ten years that’s fine, we can do that. We can go no points and get something in the low 5s even in the high 4s. If you’re going for a 30-year loan at no point, it’s got a higher 5. If you want something with a lesser cost maybe one point. Maybe we are in the mid-fives. We can take a look at that, but we can buy down and get something with a 3, 4, or 5. We can buy down one year, lower it, and have that subsidized and paid for you. We can discuss that further.

A gentleman is getting ready to start. He’s reading our program here. He had a lot of things going on in December, but now he’s ready to go. He’s looking to consolidate a higher interest-rate car then he’s looking for money for home improvement. We’ve been looking at the values of property. We will run that from the lender’s view and get an idea of where we stand. We look at the equity position, but the one we’re looking at is cash out. We’re going to do that with the thought that this is the first step of a second step that we’re going to do come summer.

With that said, I want to keep costs down. The interest rate is important, but it’s not as important as the overall cost because if we spend a lot of money, he’s not gaining that back in the timeline that we’re looking to achieve this cash-out refinance. We’re looking at this. We’re looking at the debt program and opportunity I spoke about. We’re going to reduce obligations even sooner and broaden his credit scores higher.

By doing that, come summer, higher scores with lower debt, not a cash-out refinance anymore because we’re going to season it for six months and then we’re looking to do the loan at a later time. We’re looking at the full plan of action. Not just one done, “Go. Good luck.” No, we have a plan. We’re going to put this plan into a fact for the best for you as it is for him, but I need to hear from you.

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We are here to help you save money. We’ve helped a couple of clients. We’ve done many generations of clients. It makes me feel old, but I got started right out of college. As I look at it, when I was that age, I was working with people my age or older and then the next. It’s very interesting in the timelines because I can remember the individuals as kids and now they have kids. Seeing the success that they’ve had, the path that I’ve taken, and helping secure timing and finances all the way through, it is very rewarding. I like to help and do that for you as well.

I want to make sure that you are getting the right results at the right timing that can be done. Many of you have terrific people who are helping you on your financial path, and that’s very good. I want to also be sure that they are doing that. We’ve sent people back saying, “They’re doing a great job. Close that loan. “ It’s always nice to have that reassurance. It doesn’t cost you anything to get it. When you aren’t aware and it’s not your expertise, I could have a surgeon tell me, “Cut over here.”

I’m not going to go cut and go do that. That’s not my expertise. I may understand what he told me. That doesn’t mean I can do it. An electrician will tell me, “Do this and that with this wire. Be careful.” As soon as I heard the, “Be careful,” I was not touching the wire. As you get older you get to the point where, “Why do you need to be doing that? Your mind’s writing checks your body can’t cash.” Those of you who are younger, you’ll understand that later.

For those of you who have a family, it’s not about you having a good time anymore. It’s about the families having a good time, but they’re having a good time. That means you’re having a good time because you have no problems. It’s all about how you look at things. The bottom line is you work hard every day for your money. If you didn’t need money, then you wouldn’t probably maybe you work because you’re having fun and whatever and maybe you’ve enjoyed the job and you don’t consider working because you like what you do. That’s great.

If you had the ability to do what you want with your money because you don’t have anything or obligations, that’d be great. My goal is to get you the least cost for financing you need or want then look to retire that debt as fast as possible with your principal contract because you owe what you owe. It doesn’t mean you have to pay as much interest. If I can get you the best result on interest and then reduce the amount of interest you pay over the life of the loan, then I’ve done my job. Your job is to communicate to find out how.

Many individuals are paying too much. Your lender, creditor, and even your landlord love you. For those of you who are renting, you’re making your landlord’s mortgage payment. They may be paying too much interest as well because they are not handling what they’re doing efficiently either. Maybe they have rental income and it’s a little bit one step ahead. Many things can be done to reduce that obligation so much faster.

We had many meetings with individuals. We were doing them electronically one-hour meetings and then we were inputting the numbers that they then provided. We were watching individuals go from 20-some-odd years of debt down to 4 years. There were some deficiencies in what they were doing. A lot of them are about 8.2, 8.4, and 9.8 years old and retiring all debt. If you were a 20-year debt and you now retire everything, let’s say even numbers, 10 years, half the time.

If that was half the time and you were then making those payments for another ten more years, you have all that money coming in to create wealth whether you buy real estate. Even right now, you put it into a checking account of 3.7% or savings that you can access for 3.7% or even 4%. There are various ways that you could be earning money with your money now and utilizing that even more effectively. Let us talk to you about some of these principles. Let’s take a look at where you stand on your mortgage.

Some of you say, “I’m doing great. I’m at 3.25%. You can’t touch that.” I would probably wouldn’t touch that. We’re working with individuals with home equity lines of credit or loans. Home equity lines of credit are simple interest. There are some things that I can help show you how you can save additional time on your mortgage, maybe 1.5 to 2 years, comfortably on top of the many years I’ve already saved under the opportunity that I’ve been discussing.

I got so much information. All I want to do is help you. I utilize this opportunity myself. I will show you what I do to make you even more comfortable. I’m not handing you off to anyone. It’s funny when I call back to individuals and talk about, “I got your call. You call the program.” You didn’t hand it off to another person and throughout the loan process, as I will be the one talking with you, you will be conversing with me. I’m going to make this happen. It’s not some outlining item. I can handle some good loan volume. I’m okay. You will not get mixed up in the process. I will find out your best time and way of communication whether that’s morning, evening, or day, whether it’s text, email, or phone.

However you want to be communicated with, that’s what will happen. I’m going to update you, get information for you and from you, and we’re going to make this happen in the most efficient manner possible for you and your family. This is a relationship I’m looking to maintain. It’s not a one-done and goodbye. If you’re looking to purchase and you’re getting into a new home, I want to make sure you can stay in that home, afford that home, and then look to do even more down the line.

It’s not the deadbolt and you can’t get out of the house. We’ll go over the numbers. We’ll go over the items and we’ll revisit. As we do these programs here in Southern California, we do a lot of business out here in the region, but we also do business in Colorado, the state of Washington, Montana, and Texas. I’ll be going out to an item out in the Dallas area where I’m doing a bit of business and we’ll be having a meeting out there with some of our individuals and getting some things done, a lot of activity out there in the Texas region, but we want to be there for you.

If you’re looking to relocate outside of the five areas I mentioned, I can possibly refer you to other professionals that I trust because I want to make sure you’re getting the right result. If you want to run by the numbers because you have someone already, I’ll be glad to review the programs that they have gone over with you. You have a loan estimate. You may already have a closing disclosure that’s getting a little late in the game. I want to make sure that you are getting the right results and that you understand everything. Maybe you’re not getting the responses and answers from the other individual. Maybe you’re relocating. You don’t know them that well. You will refer to them.

I had an individual telling me that they didn’t want to upset the realtor, which is great. That loyalty is fantastic, but the individual who was doing the loan was charging too much and the rate was wrong. The client didn’t want to upset the realtor by changing lenders because she referred that lender to her. I understand the loyalty but it’s your money and you’re spending too much. Why? I need you to control your money and actions, and do it in the best way possible.

That realtor is not making your mortgage payment. If they are, give me their name and number. I’ll send mine as well. I want to make sure your numbers are right and affordable and you’re reducing your obligations as fast as possible, paying the least amount of interest possible over the life of your loans and obligations. That’s my mission. As I’m talking to you, I’m wearing a shirt that says, “I have helped control and eliminate $2.3 billion of debt.”

The opportunity I’m talking about has done that. They’re tracking the results, numbers, and people’s items getting done. I’m in communication with individuals who only have 1 or 2 years left on their debt obligation and they’ll be debt-free. I’m getting there. I bought a home. That home will be fully paid for in about eight years. I want to talk to you.

I have a busy day ahead of me. We got a lot of calls and emails coming in. We’re going to get back to each and every single individual who wants to get information. I want to send you three links that you can look at. You can also go to our website at YourRealEstateLife.com. Under our past programs, you’re going to see a special segment. It’s 7 minutes and 19 seconds. It’s an overview of the program that you can listen to but I want you to take a look at the items I’ll send to you and then let me know what you think.

What I’m looking for is, “I’m curious,” then I’d like to set an appointment. You can do that also on my Calendly there and take care of that. I like to set a one-hour appointment with you to go over it, answer questions, and get a better understanding with no obligation. I would like to set up, if you’re interested, a second appointment. I’m looking for you to do a little bit of homework. I want to get your numbers and information if I don’t already have it if you’re not a client.

I want to have this filled out. I’ll give it out to you and then together, we’re going to input your information, go through the example, and go ahead and show you what you can save personally. Still, no obligation. You’re not doing anything, but now you have that. You can see what can be done. We’ve had some individuals, “I need to understand how this is happening.” There’s a lot of things going on with technology. It can’t necessarily be replicated that easily. That’s why we all bought calculators as kids because we could probably do the computation, but it was very difficult to get done.

That’s why we have technology doing things and doing it much more efficiently and effectively. These are things that we can go over and show how, but again, you could do some of this yourself. It’s a lot more of a load to do and a lot more time. If you have about fifteen minutes, maybe every couple of weeks, you can maybe do that every month. This is the right program for you. It’s a lot less time than maybe you do with your finances.

I’m a little different. I work out of my home office. I have the screen up. I have the account open and on a daily basis, “What do I need to do?” I’m taking care of what I do and at the same time, I’m executing that item and it’s off the screen, catching up one month later to the next month’s items. I go on there maybe about fifteen seconds a day and take care of it. That’s me. Whether you have that time or not, or you want to do it as you’re handling your bills now, it works. Let me show you how.

Go to YourRealEstateLife.com. That’s our show site. You can go to United4Loans.com. You can get started on a refinance or purchase whether it’s a first-time home buyer, which a lot of you are reading. You got to fire that landlord, but you got to get pre-approved first, and we got to get you into a property or you’re looking to add to your portfolio, maybe move up, maybe move down. Maybe you’re buying that rental property or second home. Maybe you’re looking at a state. You’re looking to get pre-approved. Pick up the phone. Give us a call at (888) 543-3980.

I’m excited to help people eliminate debt sooner and then free up abilities to purchase, move up, move sideways, or move down. A gentleman gave us a call. He was contemplating selling one of his rentals and what he was going to do. We gathered his information, put everything in play, and showed him that we could take all these loans that he was worried about and timing. It would pay off all of the stuff in half the time.

With that said, now he’s thinking, “Maybe I’ll buy another one.” It’s doing it in a controlled manner but understanding and having the facts. Making decisions with inaccurate or information missing is not how it should be done. I want to make sure you have all of the information so your decision is the correct one for you and your family. I do appreciate you joining us on the program. We’ll be back with another program as we do. Thank you so much. Until next time, what kind of loan do you have?

Important Links

• Radio@United4Loans.com
• United4Loans.com