Bryan Schroeder

Are you concerned about... your competition?, the economy?, lack of response? Marketplace skepticism? charging too little for your time?, not having enough time off?, or not getting enough new clients?... There is a SOLUTION to all of these situations... and that is: Becoming The Most Trusted Advisor To Your Market! http://www.ThoughtLeaderSecrets.com/course/code?p=Bryan&w=mini Why Do You Want To Become The Thought Leader? -When You're The Thought Leader; Prospects, Clients and The Market Listens... -When You're The Niche Leader, The Competition Worries, Not You... -When You're A Recognized Authority, You're Expected To Charge more... -In Tough Economic Times, Thought Leaders Still Prosper... -When Leading Experts Send Out A Message, People Eagerly Await Your Every Word... Mark Harris & Jay Abraham have joined forces, and have put together a truly eye-opening series of lessons on becoming the leading expert in your field, transforming yourself into a recognized authority in your niche... it's called: The Thought Leader Secrets Mini-course, and they are allowing me to give it to you at no charge! See your first video lesson here: (watch the every minute of this) http://www.ThoughtLeaderSecrets.com/course/code?p=Bryan&w=mini This multi-lesson program has some of the most useful, extremely actionable strategic advice that I have ever seen anywhere! It has been called the $50,000 course that you don't have to pay for. I can see why-- because if you just implement what you learn in lesson 1, the average expert or entrepreneur can easily add $50,000 to their bottom line in a relatively short time! http://www.ThoughtLeaderSecrets.com/course/code?p=Bryan&w=mini The only catch is that they want you to carefully listen to the lessons and then report back your feedback, comments, and thoughts about what you learned... that's a pretty fair deal! The first lesson is at the link below; be sure to watch the ENTIRE 10 minute video -- This first lesson will change every aspect of everything you do as a market leader. http://www.ThoughtLeaderSecrets.com/course/code?p=Bryan&w=mini It's only available for a limited time, for a limited number of participants, so you should get it while you can... at the link below: http://www.ThoughtLeaderSecrets.com/course/code?p=Bryan&w=mini Hope you enjoy the course! Bryan Schroeder P.S. If you want to optimize every aspect of your marketing by becoming and staying the thought leader of your market then you must claim your free access to this Thought Leader secrets mini-course by clicking this link below http://www.ThoughtLeaderSecrets.com/course/code?p=Bryan&w=mini

Hi All ActiveRain Realtors

You're invited to hear Tom Ferry answer your single most important question about how to survive and thrive in today's market!

Tom Ferry personally coaches 16 of the top 100 agents in the entire country, including the #1 Century 21, #1 Prudential and #1 Coldwell Banker agents.

You're welcome to attend this exclusive tele-class as my guest because my goal is to help you achieve your business goals and become a trusted business partner.

----------------------------------------- Submit Your Question / Get Details Here:

http://www.askthebilliondollaragent.com ----------------------------------------- Just click that link and either submit your question for Tom Ferry or just get the tele-class details so you can listen-in.

The call will be recorded so if you want a copy just reply and let me know. Look forward to having you join us!

(Bryan Schroeder http://oregonmortgagesecrets.com)

P.S. Here's the link again for you to Submit Your Question / Get Details Here: http://www.askthebilliondollaragent.com

Here we go again, with the talking heads on financial news misinterpreting the impact of the Fed's actions on home loan rates.

Here's the scoop. What the Fed just announced is huge – they have committed to buy another $750B in Mortgage Backed Securities, and $300B in Treasuries.

But what does this mean and why do you care?

Their actions provide a demand for Mortgage Backed Securities, which should help keep a ceiling on home loan rates moving much higher in the foreseeable future. That's good news, for homebuyers who are seeing the bargains out there and understanding that now is the time to act. Good news for those who are ready to refinance too.

But an important distinction – this does not mean rates may move significantly lower. Depending on exactly which coupons the Fed purchases when they go shopping for Mortgage Backed Securities, their actions may keep a lid on rates, but not push them very much lower. And based on what they've been buying since the beginning of this year when they started their purchasing program – that is exactly how it has played out.

Present home loan rates are within inches of historic lows. What is keeping you on the sidelines from acting now to refinance and get some dollars back into your own pocket, where they belong – or moving forward to buy the home of your dreams, while it is still on sale?

President Obama unveiled his plan to help stabilize the housing market and keep millions of borrowers in their homes.

The Homeowner Affordability and Stability Plan includes two initiatives to help struggling homeowners. One is a refinancing program for homeowners with less than 20% equity in their homes, or who owe more than their home is worth. The second program attempts to lower monthly payments for homeowners at risk of losing their home. In addition, the plan includes a third initiative to support low mortgage rates by strengthening confidence in Fannie Mae and Freddie Mac.

Many of the plan’s details are still being worked out and will not be announced until March 4, here is an overview of the plan’s main components.

Refinancing Initiative
Under current rules, those families who own less than 20% equity in their homes have a difficult time refinancing and taking advantage of the historically low interest rates. Therefore, the refinancing initiative in the new plan provides refinancing help for homeowners with less than 20% equity in their homes or who owe more than their home is worth. This initiative is open to homeowners who have conforming loans which are guaranteed by Fannie Mae and Freddie Mac, and who owe up to 5% more than their home is worth.

According to the plan, “credit-worthy” or “responsible” homeowners can refinance their mortgage into a 30- or 15-year, fixed-rate loan based on current market rates. The refinanced loan, however, cannot include prepayment penalties or balloon payments. For many families, this low-cost refinancing may help reduce their mortgage payments by up to thousands of dollars per year.

As with the rest of the plan, details about this initiative will be released at a future date—including what, if any, credit score requirements will be included.

Stability Initiative
This initiative aims at providing help to individual families as well as entire neighborhoods by helping reduce foreclosures and stabilize home prices. It is intended to help homeowners who are struggling to afford their mortgage payments, but cannot sell their homes because prices have fallen significantly.

The goal of this initiative is simple: “reduce the amount homeowners owe per month to sustainable levels.” To accomplish this, lenders are encouraged to lower homeowners' payments to 31 percent of their income by lowering their interest rate to as low as 2% or by extending the terms of the loan. In addition, lenders can also lower the principal owed by the borrower, with Treasury sharing in the costs.

Homeowners who are current on their mortgages but are struggling can still apply for this program. As such, this is one of the few programs designed to help homeowners who may face delinquency soon, but are current at the moment.

Since the focus of this initiative is on helping families and neighborhoods, investment properties do not qualify. This initiative also includes a number of additional elements and incentives that benefit homeowners and lenders alike, including:

• Incentives to Help Borrowers Stay Current: To provide an extra incentive for borrowers to keep paying on time, the initiative will provide a monthly balance reduction payment that goes straight towards reducing the principal balance of the mortgage loan. As long as a borrower stays current on his or her loan, he or she can get up to $1,000 each year for five years.
  
• Reaching Borrowers Early: To keep lenders focused on reaching borrowers who are trying their best to stay current on their mortgages, an incentive payment of $500 will be paid to servicers, and an incentive payment of $1,500 will be paid to mortgage holders, if they modify at-risk loans before the borrower falls behind.