Pawtucket, RI

"The life of man is like a game with dice; if you don't get the throw you want, you must show your skill in making the best of the throw you get." Terence

So, let's put this into an example: As a listing agent, you have been listing many homes in excellent/good shape. One day, you are asked to list a house that is in BAD repair: bad odors, plumbing that does not work, porch falling off, terrible landscaping, etc... WHAT DO YOU DO?

Turn the lemon into LEMONADE! HOW? Target a contractor who wants to team up with you in marketing this home. Ask him/her at how much they are willing to repair the home. Find a lender who knows how to complete a 203K FHA loan. Target the first time home buyer market. Prepare an ad that shows the consumer this is a deal for their first home and show what their future home will look like! There are several software packages out there that contractors use to show the future look. Try this once and you may just enjoy listing these tough to sell homes!

So, take the roll of the dice you were thrown and turn it into a GREAT roll!

Have a GREAT day!

Ann M. Sabbagh

Vice-President

Seacoast Mortgage Corporation

"Where financing is smooth sailing!"

Residnetial & Commerical Financing

(508) 243-1190

(401 475-1441 (fax)

email: asabbagh@seacoastmortgage.com

website:www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength!"

"You are a courageous soul who recognizes that whatever you face will become the wings with which to fly."

We all face challenges during the day, a curve or two in the road, especially in a difficult real estate market such as this! Our challenges should strengthen us and compel us to move forward and through them.

So, the next time you receive a call from someone involved in the transaction, which may cause a delay or possibly a termination of the sale, consider the issue a challenge. One that can be overcome by everyone working together. And if the issue cannot be overcome, at least you gave it your best and know there is always another sale around the corner with perseverance!

So, let's all work TOGETHER!

Have a GREAT day!

Ann M. Sabbagh

Vice-President

Seacoast Mortgage Corporation

"Where financing is smooth sailing!"

Residential & Commercial Financing

(508) 243-1190

(401 475-1441 (fax)

email: asabbagh@seacoastmortgage.com

website:www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength!"

"I have found that the greatest help in meeting any problem with decency and self-respect and whatever courage is demanded, is to know where you yourself stand. That is, to have in words what you believe and are acting from." William Faulkner (1897-1962) American Writer

So, do you face a problem knowing exactly where YOU stand on the issue? Give yourself a test: think of a similar situation in which you were involved: how did you react? How did you solve the problem?

Do you approach life and solve problems the way you live?

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

508-243-1190

Please visit my website: www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

"Class is an aura of confidence that is being sure without being cocky. Class has nothing to do with money. Class never runs scared. It is self-discipline and self-knowledge. It's the sure footedness that comes with having proved you can meet life." Ann Landers, born 1918

How TRUE this is! Class has nothing to do with money. It is knowing yourself and showing the world you have proved yourself by your accomplishments and grace you exhibit.

Thank you Ann Landers for saying it so simply!

Ann Sabbagh

Vice-President

Seacoast Mortgage

508-243-1190

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength."

"Yes, there are times when something is legitimately not our fault. Blaming others, however, keeps us in a stuck state and is ultimately rough on our own self-esteem." Eric Allenbaugh - Author of "Wake-Up Calls"

So, when was the last time you said: It was the loan officer's fault!" OR "It was the agent's fault!" OR "That darn appraiser ruined the transaction for everyone!" .

When a transaction goes south, we should all realize not every transaction can be a grand slam. There are houses that will not appraise or will have appraisal issues, like repairs required. There may be a client that loses their job days before a closing, or buys that new car before a closing, thus ruining their approval.

By all working together in this industry, we can make it better for all of us and for the consumer. Especially for the consumer, because they are the ones who are truly our "boss".

So, let's all work TOGETHER!

Have a GREAT day!

Ann M. Sabbagh

Vice-President

Seacoast Mortgage Corporation

"Where financing is smooth sailing!"

Residnetial & Commerical Financing

(508) 243-1190

(401 475-1441 (fax)

email: asabbagh@seacoastmortgage.com

website:www.annsabbagh.com

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about your financial strength!"