Adam R. Cohn www.adamclosesloans.com

Hello,

I want to start this email off with a congratulation to all of the Realtors that have sent me referrals in the last few months. It was a pleasure to assist you and your clients. I applaud you on your hard work and efforts, for we all know how challenging this business can get at times. In the end it all pays off when the process is complete and we have a happy client purchasing a home they love.

I know that some of the Realtors I work with in some markets are struggling, and I thought of you all the other day when I was reading the Investors Business Daily and came across the following quote:

Success is how high you bounce when you hit bottom.

George Patton, general

That quote has really inspired me. All of us that have stuck out this rough real estate market have hit bottom together, now it is time to raise up again and reach new heights and accomplish new goals we set.

I know that this year I will be willing to start my days earlier, end my nights late and keep working hard to assist as many clients as I can to obtain mortgages to buy their dream homes.

Lets turn the news off, get rid of all the negativity and drive this market forward. I wish you all success this year and hope by the end of it we all accomplish the goals we have set. Lets help as many people as we can. I will always be standing by to assist you and your clients.

Sincerely,

Adam R. Cohn
Freedom Mortgage Corp.
Sr. Banking Executive / Private Client Group
"Closing loans and building relationships."
561-314-4800 Office
561-289-0125 Cell
561-558-1107 Home
516-403-1898 Fax

P.S. With over 7 years of mortgage banking experience, I know what it takes to get your deal closed and funded.

Dear Active Rainers,

I was reading a quote today in the investors business daily and it made me think of the mortgage and real estate business. It really has inspired me to work harder, even though I feel the world is crumbling. Lets stay positive and kick ass this coming week with getting deals closed!

Here is the quote:

Success is how high you bounce when you hit bottom.

George S. Patton

Dear Fellow Active Rainers,

With all the new banking underwriting standards, new laws and legislation being passed, it can make one feel defeated, question if this is the business you want to stay in, with all these new burdens placed on us by people that may have degrees from respected colleges, but are clueless because they are not on the front-line dealing with the mess like we are. But what keeps me going is the love and passion I have for the business, the ability to help people live the American dream and enjoy the benefits of home ownership.

I am staying positive on the business because I believe that although the consumer is burdened with high credit score requirements, new rules placed by law makers and crazy underwriting standards, the consumers are becoming more educated on the housing market and banking industry with the constant media and news reports, that in my opinion they will slowly adapt to the new industry standards. Over time as more people leave this business and consumer goes threw the adaptation to adhere to what the market calls for, it will leave a very lucrative business for the agents, bankers, and brokers that weather the storm, stay strong and stick it out.

As the American economy slowly heals it wounds and goes threw its recovery, The stock market should keep pushing up with the good news. With the stock market up it will create more wealth for Americans which can then be used towards purchases of homes , which makes sense because it may yield better results then keeping money in the market over time, when their is a buying opportunity out there now in housing with low mortgage rates and homes that have dropped so much in value I believe that's where the consumers will invest their wealth.

Over the next few years there will be a lot of money to be made and a lot of family's we can help. Lets think about the positive things and believe me the strong will survive and we will prevail.

Regards,

Adam R. Cohn

Prequalification Hotline For You And Your Clients

Call us today to help your clients get approved. We know what it takes to close deals quick, easy and efficiently. Unlike other lenders that promise the world and can't deliver. Let us show you why Freedom Mortgage is the choice of hundreds of agents around the county.

Adam R. Cohn

Sr. Mortgage Banker

561-289-0125

HOW TO APPLY FOR A MORTGAGE

By: Adam R. Cohn

Applying for a mortgage can be made easier by preparing your self before you contact a local lender. In this blog I will make applying for a mortgage simple.

Before you contact a lender you will need certain documents so that the mortgage professional can best assist you.

You will need the following:

• Last 2 years W'2 forms for a wage earner, If your self employed you will need last 2 years complete tax returns with all schedules.
• Wage earners need to also supply last 2 pay check stubs.
• 2 forms of ID, generally drivers ID and SS Card is what is acceptable.
• Last 2 months of bank statements
• Proof of homeowners insurance or homeowners insurance quote for a purchase

That covers all the needed documents for pre qualifying for a mortgage.

Before applying for a mortgageyou may want to consider boosting your credit score, so you will be eligible for the best possible rate. Here is a excellent link to help you understand how credit scores work and help you greatly improve them to have an advantage when applying for a mortgage.

http://www.bankrate.com/finance/credit-debt/tips-for-boosting-your-credit-score-1.aspx

After collecting all the needed documents and boosting your fico score, now would be the ideal time to apply for a mortgage.

When speaking to a mortgage professional its very important to answer all questions honestly and accurate and to discuss your short term and long term goals so they can best match you with the best mortgage for your needs.

Should you or your clients need any assistance please feel free to contact me with info provided below.

Adam R. Cohn

Freedom Mortgage Corp.

Sr. Banking Executive

561-289-0125

Lowerthatloan@yahoo.com