Tyler, TX

I believe that an uninspired mind is a wasted mind. I also believe that the more you use your mind at any age, the sharper it will be. With Alzheimer's and other diseases that affect mental function at all time high, I believe it is more important than ever to give our mind a workout every day. Not doing so, encourages diseases to take over our minds.

It is also my belief that you must be active physically. You may be over weight as I am, but you can still have an active life style. I love to play Golf and walk with my wife and our two beagles. Find something that you can do to stay active physically. It is a must do for a long life. Eat good healthy foods and limit your bad foods to very small portions, if you must have them.

When it comes to business, you must be the very best at your profession. Stay current on all the education and motivation available to you in your chosen field. However, the most important thing you must have is "PASSION!" Without a passion for what you do, you simply will not and cannot, be the very best at what you do.

http://kwtyler.com

http://agentrecruit.com

GET PRE-APPROVED

I'm Terry Whiteley a Coldwell Banker United Realtor in Tyler Texas. I want to talk to the HOME BUYERS out there. Initially,during the HOME BUYING PROCESS we sit down in a relaxed friendly supportive environment. That's because I am not selling anything. My mission or goal is build rapport with you so I can determine interest and needs. Plus I want to determine if you are motivated or just looking. Because you have choices it's important for you to know that sometimes we represent sellers and sometimes we represent BUYERS. Therefore, I will take the time to explain information about brokerage services. As the BUYER my very next question will be "... do you know how much ($$$) you are PRE-APPROVED for? Or said differently do you have a PRE-APPROVAL letter from your bank? Unfortunately, many FIRST TIME HOME BUYERS look at me with blank expressions because they don't understand the HOMEBUYING PROCESS. On the flip side many experienced buyers can produce the needed documentation. If you are a FIRST TIME HOME BUYER this is where I pause then ask "would you like to hear more"?

IMPORTANCE OF PRE-APPROVAL LETTERS

There are several good reasons why a PRE-APPROVAL letter is important. First, it's a time saver!!! It saves both of us time because now we can focus on which homes to target. It lets me know if you are really motivated or just looking. Secondly, it will shield you from potential embarassment especially if you fall in love with a home that is beyond your financial means. Third, it speeds up the HOUSE HUNTING PROCESS. Fourth, we can write a contract together which SELLERS will take serious because they know you have the money to back up your offer. This is another time saver as this enables and speeds up the CLOSING PROCESS which recently has been hammered as lenders struggle to get loans through the underwriters in a timely fashion. Like it or not lenders are taking 2 - 4 weeks longer. That's why PRE-APPROVALS are important. Finally, if there is a credit issue it gives lenders time to find potential problems before they arise.

IT'S A MATTER OF SELECTING THE RIGHT AGENT

We have 81 agents and tonight we had a little get together to celebrate the slab being poured on a brand new location. We are investing in our community and it feels great. We had Boren Scott Title from Tyler and the Mansions at the Cascades on hand and a good time was had by all. I really wonder why an agent would be with a broker that doesn't have fun. If you are not having fun in your life, why not? I am having the time of my life.

http://agentrecruit.com

http://kwtyler.com

Recently I chatted with a client (seller) about the importance buyers place on the appearance of a home. Buyers make very quick value judgments about the asking price a seller is seeking based on a set of "appearance cues" they see during the walk through. For example...have the carpets been vacuumed, are the windows clean or has the yard been reasonably cleaned up. Think about this. When your flying and after pulling down the seat back tray in front of you and you see coffee stains, don't we as airline passengers begin to wonder about routine maintenance on components we can't see? It's those same "appearance cues" that buyers get when they walk through your seller's home. Buyers say to themselves if the carpets aren't clean I wonder what else they have ignored that I can't see. Granted inspection results play an important role during the negotiation of the asking price. In my opinion it's the "appearance cues" that buyer's first see or sense that matters most. These "cues" often determine whether or not the buyers will even choose this house to make an offer.

As they search for ways to boost federal revenues, Congressional number-crunchers are encouraging lawmakers to consider drastic changes to the tax benefits homeowners get from their mortgage interest payments.

Yes you heard me right, now they are coming after the home owner's interest deduction.

They complained that the "tax code treats investments in owner occupied housing more favorably than other investments."

The Congressional Budget Office actually recommended changing the deduction to a flat 15% tax credit on the annual interest paid.

Their second proposal puts a ceiling of $500,000 as the limit you can claim a deduction against. Their justification is, that only 54% of homeowners actually get a deduction anyway.

This administration is spending money at a pace never before seen in the history of our country and now it is apparent how they intend to pay for their programs.

Pass a bill like this and you will have money moving away from Real Estate at a pace you could never imagine. New home builders would go out of business over night. The average home owner would lose thousands.

Traditionally, a home is the one tool you could use to actually save money, so to speak. Something like this would cause a DEPRESSION, not a recession. Real Estate has always been and should always be the instrument to create growth and wealth in our economic model.

The CBO even said this proposal would likely reduce home ownership. You think! How about eliminate about 54% of it.

The lunacy continues!!!!

http://agentrecruit.com

http://kwtyler.com

http://www.charlotteobserver.com/home/story/912490.html

http://www.washingtonpost.com/wp-dyn/content/article/2009/08/27/AR2009082704289.html

http://www.bostonherald.com/business/real_estate/view.bg?articleid=1194151