When you are facing a difficult situation and feel that you may not be able to keep making your mortgage payments you need to act quickly because you may have some options. Many people do not fully understand the foreclosure process and do not realize that banks do not want to be in the business of owning real estate. They are more likely to work with you and try to work something out instead of taking your home.

If you want some advice or assistance selling your home or understanding what your options may be, please call us. Here at Team Aguilar we have helped thousands of clients work through a difficult situation.

Some of your options to consider are

- Selling You Home
- Negotiating a Forbearance
- Doing a Short Sale
- Refinance Your Home

Some real estate scams you need to be careful of, don’t sign anything and don’t allow anyone to tell you that they will help you out and take away your problems. The reality is that many people take advantage of people in a tough situation.

Make sure you call or email Team Aguilar if you have any questions.

We will be happy to provide you sound advice and discuss what you options are.

Thank you,

Carlos Aguilar
President
Team Aguilar
Helping people avoid foreclosure by providing them a real estate short sale to sell their home.

The San Diego real estate market is holding steady compared too many other markets in the United States. In recent weeks the condo market in San Diego has slowed down to a much slower pace then the year before. When you compare total sales for single family and condos in San Diego County you will see a decrease in units that have sold. In August of 2006, there were 2,571 units sold compared to 2,182 in August of 2007.

The market in San Diego has remained fairly steady and has not experienced the same declines as the rest of the United States. Many people feel that the market will continue to decline and in San Diego it is not going to happen like it is in other areas. You have to take the approach and if you feel that you can afford to purchase a home this may be your best opportunity to do so. The market will never experience the type of loss that many people would like to see, San Diego has too many factors that continue to keep the economy much stronger then the rest of the country.

If you really want to purchase real estate and take advantage of a great opportunity then do it, now is the time. The best thing you also have going for you is that mortgage rates are still at historic low levels and any other drop in real estate values may be offset by mortgage rates being higher at the time of purchase.

Take advantage of the market, there are some great deals right now!

As all of you have heard the real estate markets are struggling in many areas of San Diego. This is due primarily to the other hot topic in the news: Sub-Prime Lending. Unfortunately many homeowners in the last few years have fallen victim to the frenzy in the lending market that encouraged homeowners to buy or refi using a loan that starts with a low rate and then, at the end of its initial two year period, begins adjusting. During the first five years of this frenzy rates were low and it didn’t matter when the loan reached that first adjustment. Today we are in a different Interest Rate market and many borrowers are finding that first adjustment is causing their payments to be out of their reach. This in turn is the reason why we are hearing so much about Foreclosures. It is unfortunate for many that are losing their homes, however the reality is that this also creates opportunity for many investors.

As many of you know I have spent years managing and disposing of foreclosed properties for banks and lenders. The number of available foreclosed homes is growing and the prices are dropping. During the last 7 years, many of you would call me and ask about buying a foreclosure and I would tell you that it was very rare to find a foreclosure in this market because there were so many buyers for every home that came on the market. This has changed and we now have growing lists of condos and single family homes.

Remember, as with any investment, the time to buy is when the market is Down and Sell when the market is up. You may remember the early 90’s when we saw a record decline in real estate prices in San Diego. Many of you also took advantage of that market and purchased property that we sold 5 years later at double and even triple what you paid for. While no one can predict the future, we can make decisions based on what we have seen in previous markets. We are heading into another similar market as the 90’s and if you have an interest in investing in this market this is the time to do it!

Real Estate California

Fannie Mae and Freddie Mac should be allowed to play a greater role in easing the mortgage lending credit crunch, and alllow them to raise the conforming loan limit.

A bill passed by the House this spring overhauling oversight of the government-sponsored entities, or GSEs, should have gone farther in raising the conforming loan limit — the maximum-size loan Fannie and Freddie normally purchase or guarantee.

A bill the House sent to the Senate in May, HR 1427, would leave the conforming loan limit at $417,000, but allow Fannie and Freddie to securitize and sell loans up to 150 percent over the limit in areas where the median home price exceeds the limit.

We cannot afford a ‘wait and see’ approach when it comes to a credit crisis that threatens to derail our economy. The Bush administration continues to ignore one tell-tale sign after another that the subprime woes are threatening the broader mortgage markets. Fannie and Freddie are uniquely positioned to inject badly needed liquidity into the economy, but President Bush won’t let them do their job.

Bush, when asked about a larger role for Fannie and Freddie at an Aug. 9 press conference, said he would only consider such moves after Congress passes a GSE reform bill.

As with all types of financing, when you’re in need of a loan, you want to work with a professional who not only understands and cares about what you want to do, but also someone who has a wealth of knowledge in their field. At Team Aguilar, our commercial lending professionals exemplify these character traits.

Between our commercial team leaders, Carlos Aguilar and Jerry Trublood combine to having over 60 years of commercial lending experience. They have worked on deals all over the country, and in Mexico and Panama. They’ve experienced the entire spectrum of market conditions, and have satisfied thousands of clients and their commercial financing needs. Rely on people who know the business inside and out.

Contact Team Aguilar today to find the commercial loan you are looking for.

TIME STANDS STILL FOR NO MAN, WOMAN, OR CHILD. And neither does inflation. In fact, every year the costs associated with higher education shoot up an average of 5%. So make sure you plan ahead. The article below includes important tips to help you get started-including how your mortgage can help cover your child’s college expenses. College isn’t the only thing that’ll cost you in the future. Did you know that nursing homes cost about $70,000 a year? Worse yet, Medicaid doesn’t kick-in until your assets are used up. If you or someone you know is planning on leaving even a modest inheritance, you’ll want to read the article below!As always, feel free to pass this newsletter along to family members, friends, and coworkers. And if you have any questions or need any assistance, please contact me anytime.

BE TRUE TO YOUR SCHOOL…LET YOUR COLORS FLY

When the Beach Boys sang about school colors, they weren’t exactly referring to the color GREEN! But, they may as well have been. These days, higher education is all about the green. In fact, college grads earn 75% more than those without degrees!The problem is, college also costs a lot of green-anywhere from $13,000 per year for an in-state college to around $30,000 a year for a private college. And with the cost inflating approximately 5% annually, those numbers are on the rise.As a parent who wants your child to attend college, what can you do? Plan early! Let’s look at a tale of two parents to illustrate how important it is to get started right away.A Tale of Two Families

The preschool open house was in full swing, and two parents were chatting over the punchbowl, remarking on how they knew time would fly, and before you know it, their kids would be off to college.

Taylor’s parents are prepared. They recently sat down with a mortgage professional and learned that completely funding Taylor’s four-year education at the local college would cost either $300 per month in savings or-by using the equity in their home-only $133 per month after tax. “What a relief to know it’s all taken care of!” they commented to Max’s parents. But Max’s parents replied, “Hey, what’s the rush? Look, the kids are only knee-high right now…we’ll worry about this later.”

Seven years later, the kids are in 5th grade, and the parents meet up again at a birthday party. College comes up in the conversation, as Max’s parents just learned that for him to attend the very same college as Taylor, it would now require them to save $835 per month to be ready on time, which is not something they are prepared to do. Taylor’s parents recommend that they meet their trusted mortgage professional, who advises them that by using the mortgage wisely, it will only cost them $260 per month after tax. Much easier to swallow-but it’s twice as much per month as Taylor’s parents, who planned ahead and started earlier.

The Moral of the Story?

If you want to save for your child’s college expenses, start the investment early. The money you put away today will have more time to gain interest and multiply-which means you won’t have to struggle to save as much. Don’t be discouraged by the amount you think you can put away. Every little bit helps. And you can even structure your mortgage so that your child’s college costs are taken care of…without struggling to save huge amounts of money every month!

You should also encourage your children to save a portion of the money they receive from allowance and from side jobs such as mowing lawns or babysitting. They’ll learn important lessons about planning for the future and the value of a college education.

Finally, as the college years approach, you should explore scholarships, financial aid, and federal direct aid, which is money that does not have to be repaid. Of course, when your children are young, you don’t know whether they’ll be star athletes or straight “A” students-so it’s always best to plan ahead. If scholarship money does become available, then you’ll have more than enough money in savings, due to your good planning.

By exploring your options and taking steps now, you can help make sure your child’s college expenses are taken care of in the future. If you have friends or family members who are struggling to save for their children’s education, be sure to share these strategies and tips with them as well.

BE NICE TO YOUR KIDS. THEY’LL CHOOSE YOUR NURSING HOME!

We may laugh about our children picking our nursing home. But it might not be a joke when your kids find out nursing homes cost about $70,000 per year! Worse yet, Medicaid only pays nursing home bills after your assets are basically used up. Which means, many children and family members who are expecting even a modest inheritance, often watch the money quickly disappear.The good news? With a little knowledge, you can act now to protect yourself and your family before it’s too late.First, Medicaid has always had a “look-back” period, where they literally look back a certain number of years at gifts made to family in particular, knowing that this may have been done so to remove assets, and therefore to qualify for Medicaid assistance earlier. The time frame used to be a “look-back” is now extended to five years.So if nursing home care is needed within five years of giving a gift, proof may be required to show that at the time of giving the gift, the donor was in excellent health, and was not giving the gift with the express intention of transferring assets to avoid paying nursing home expenses. If the individual is unable to prove this, the asset will be counted towards a waiting period until Medicaid assistance can be received. For example, if a father gives his daughter a $50,000 gift and subsequently needs nursing home care, expected to cost $5,000 per month, the waiting period would be ten months before any Medicaid could be received…even if the gift money is long spent and gone. Worse yet, the waiting period clock used to start “ticking” at the time the gift was given-but it now starts ticking at the time Medicaid is applied for. If the father is in immediate need of medical care, this could present some very serious problems.

Next, the equity in your home will come under scrutiny…and if you have more than $500,000 equity in your home, you will be ineligible for nursing home coverage from Medicaid. States have the ability to raise the limit to $750,000-but it has been questioned why any state would make this decision, since it would result in higher Medicaid costs for the state. Since many Americans strive to pay off their home by retirement age, this could impact many people who are simply unaware of the rules.

What can you do to protect yourself and your loved ones?

Be informed and plan now. For more information, visit www.elderlawanswers.com, or the Kaiser Family Foundation information site at www.kff.org. New strategies may need to be developed for your retirement, including not leaving equity trapped in your home where it could work against you for retirement assistance. Many are reconsidering the wisdom of having a home paid for in full, and are planning to instead leverage the equity via a refinance into a financial plan that works for them, not against them.

Because these laws are so complex, it’s always best to consult a professional to determine the best plan for your own retirement, or that of your loved ones.

By ERIK PISOR, The Daily Transcript

Thursday, April 5, 2007

Carlsbad-based ipayOne Inc., a real estate company that offers a 1 percent real estate commission, has announced that as of Wednesday, April 4, it has ceased taking new real estate listings.

Recently the company retained counsel who advised them to enter into a transition known as “assignment for the benefit of creditors,” rather than declaring bankruptcy.

According to Michael Jackman, president and CEO of ipayOne, this approach has been selected because ipayOne’s board believes it will allow the company to maximize the value received out of the liquidation of its assets.

“We simply have run out of cash,” Jackman stated in a letter sent out to shareholders. “The ongoing debt burden and the dramatic downturn in both the real estate and mortgage industries in San Diego were important factors precipitating this decision.”

The company was founded three years ago during a seller’s market period in San Diego’s real estate industry. According to Jackman, the company was very appealing to sellers, however once the market shifted to one that favored buyers the amount of transactions declined notably.

“There’s a disconnect between buyers and sellers,” he said, which results in extended time on the market for an existing home.

According to the San Diego Association of Realtors, the average time on the market for a detached home was 78 days in February 2007, an increase in market time of 10 days when compared with February 2006.

Moving forward, the company’s strategy is to liquidate the Summit assets as a going concern sale through the sale to SIMAC, a corporation owned by Marc Gold and Nick Alameddin. Summit is a wholly-owned subsidiary of ipayOne focused on the mortgage side of the company.

This sale is subject to overbid by anyone wishing to pay more than SIMAC for the same assets.

The other ipayOne assets, such as its name and brand, are also being independently marketed for sale. It is unlikely that there will be sufficient value in the assets to pay anything back to stockholders, according to Jackman.

“I deeply regret that we have come to this point in the history of ipayOne,” he said.

Jackman will remain CEO of ipayOne in order to ensure an orderly transfer of the assets to the assignee. However, day-to-day operations of the company will be managed by SIMAC until the sale of the Summit assets is completed.

The issue of how to work with sellers who are currently marketing a home through ipayOne will be discussed in the near future, he said.

——–

Protect your assets and always try to avoid bankruptcy by doing a real estate short sale instead.

Remind Them: “Presentation is Everything!”

At times the sellers themselves thwart the efforts of the Real Estate Agent. Nothing can be quite as frustrating as trying to pull all the weight when someone else is adding to the burden by being uncooperative!

If you have a seller who is not making sure their home is presentable to a potential buyer, remind them that presentation is everything! By eliminating points the potential buyer may find fault with and bringing out the positive amenities, they are more likely to sell the home quickly and also get the price they are asking for. Here are just a few tips that will help them support your efforts as their representative in the transaction:

Let there be light. Buy some 100 watt bulbs to brighten the rooms and open curtains or blinds to let light in. Unless a window faces a brick wall or some type of eyesore, open the drapes!

Garage, not garbage. Have a garage sale to clean out the clutter and make the garage more spacious. Your clients are moving and will need to start organizing anyway, so why wait until the last minute? Clean up oil spots in the garage or carport with a good cleanser to remove that “livedin” appearance. The home may not be brand new, but it’s new to the potential buyer.

Make scents. Get a nice potpourri air freshener, or keep some refrigerated cookie dough on hand to throw in the oven when a prospect is coming over. Make the house smell like a home.

Paint relief. Consider painting any areas that need to be touched up, but especially the front door and entryway, and any appliances that are showing their age.

Power plants. Trim down any jungles outside, especially if they cover the house. Get rid of any half dead houseplants.

Water the lawns briefly before any visit, and keep the lawns mowed and edged. These tips were derived from a pamphlet I use as part of my campaign to market my services to FSBOs.

In many cases, people who are attempting to sell their own home eventually become frustrated and end up turning to a professional Real Estate Agent.

Carlos Aguilar
Easy Ways to Purchase Foreclosures

Tip #1: Clean up oil spills
First impressions are always critical, and your driveway is one of the first things a buyer will see. Here’s a quick tip that may be the solution for your cement driveway: Try Drano or any high- powered liquid drain cleaner and sweep those oil stains away! Please use caution and read all manufacturers’ warnings before you begin this task.

Tip #2: Paint walls a neutral color
If your home is decorated in dark or unusual colors, you’re going to scare off a lot of potential buyers. It will be worth your while to paint your walls a neutral color, such as off-white. If you’re not up to painting your entire house, at least paint the areas that make the biggest impression, such as the entry/foyer, living room, dining room, kitchen, and master bedroom.

Tip #3: Make a checklist
Make a checklist to review any time a Realtor is bringing someone in to look at your home. Nothing fancy, just something to remind you to do all the little preparatory tricks we’ve listed.

Tip #4: Polish fixtures
Polish all fixtures, brass, chrome, glass, etc. with a high polish. This will add a sparkle to your home!

Tip #5: Clean or paint appliances
Appliances should be clean at all times. If your kitchen appliances have broken knobs, replace them. If your stove is green, your dishwasher is gold, and the trash compactor is black, have a professional come in and paint them one matching neutral color. This is much less expensive than buying all new appliances, and it will add dramatically to the “salability” of your kitchen!

Tip #6: Get out of the house
Always leave your house for a few minutes while the Realtor is showing it. Remember, buying a house is an emotional experience. The buyer will tend to feel awkward inspecting the house while you are there.

Tip #7: Bake cookies
Keep a package of ready-made cookie dough on hand. Pop a few cookies in the oven just when a hot prospect is expected to arrive to view the home. The smell of freshly baked cookies will conjure up a lot of great memories! Try to trigger emotions that will work toward the sale of your house.

Tip #8: Clean the carpets
When you are ready to list your home, it’s always a good idea to have the carpets cleaned. A clean home will always sell faster, and you should accentuate the fact that you take care of your home. Leave a few pairs of shoes just inside the front door to imply that you are meticulous about the appearance of your house!

Tip #9: Organize the garage
Do you ever find that you’re having trouble pulling your car into the garage because you have so much stored in there? Clean it up by storing everything you can at a helpful relative’s home or a rented storage unit. This way, your garage area will appear larger, and when it comes time for you to move, you will be more organized.

Tip #10: Offer to make payments
Offer to make the buyer’s first 3 mortgage payments. This looks very attractive in your advertising. Many people like the idea of having a little grace period after moving into a new home, but usually when it gets down to negotiating, a lower price seems to prevail. Be sure you (or the buyer) are using an experienced lender, since seller concessions seem to confuse many less experienced lenders.

Tip #11: Paint front door and entry way
A fresh coat of paint will always help sell the house faster, but if you can’t afford it, try this instead: paint the front door and, if needed, the entry area around the front door. If you don’t have any matching paint around to use, see if there is a plate fixture or some other item you can remove. Take it to the paint store to obtain a paint color that matches.

Tip #12: Clean the pool
If you have a pool, it should look like you’re just ready to throw a pool party, even if it’s the dead of winter. You want to be sure to remind the buyer of how much fun a pool really is! This means a clean, uncovered pool with all of the furniture out and looking its best!

Tip #13: Carry back a second trust deed
Carrying back a second trust deed on your house can help a lot of people qualify who may not have been able to otherwise. (If you need all of the proceeds from the sale of your house, this method may not work for you.) You carry back a note for, let’s say $40,000, but you offer the note to the buyer for only $35,000 providing the note will be paid off within the first month of ownership. The buyer will now need to get approval for an equity line or second trust deed, which can close in as little as 4 days after the buyer takes possession of the home. Have a talented lender assist with this type of a deal, but realize that even though the buyer agrees verbally to this agreement, they aren’t obligated to retire your note any sooner than the note itself states. The motivation to retire your note quickly has to come from the discount incentive. Sounds tricky, but it works.

Tip #14: Park down the street
Extra parking outside your house will give your property a spacious appearance. Park cars down the street so the Realtor has the most convenient parking. Also, be sure to unnecessary items from your front yard. All the buyer should see is a well groomed property!

Tip #15: Let there be light
Most people keep curtains, blinds and drapes closed for privacy, but when your house is for sale, be sure to open them all! Your house will look larger and brighter. Make sure that your windows are crystal clear. If your screens are worn out and full of holes, replace them. If you can’t replace tattered screens, take them out entirely to give that clean appearance. Don’t forget to wipe down dusty windowsills. Now if you have a window that faces an eyesore, you won’t want to keep the drapes or blinds open. In that case, you would keep them closed, but still maintain a neat appearance.

Tip #16: Have a garage sale
Have that garage sale you’ve been meaning to have, but never got around to. This is one of the quickest, easiest, and most cost-effective ways to clear out those items that make your living space look cluttered. Check with your local newspaper to see if they offer a “Garage Sale Kit” including signs if you place a classified ad in this category.

Tip #17: Pay down the principal
Seller concessions can attract buyers faster than just about anything else. Attract buyers by offering to pay 1 to 3 years of principal on the buyer’s new mortgage (based on a 30-year fixed rate mortgage) if the house is purchased by a certain date. Your Realtor or lender can give you precise figures, but a 3-year principal prepayment usually costs about 1.5% to 2.5% of the loan total amount. This is a small price to pay to sell your house quickly, but to the buyer, it’s like getting 3 years of their 30-year mortgage wiped out, with only 27 years remaining! Generally, the buyer will attempt to negotiate a price concession in lieu of a seller’s concession, but this will increase the readership of your advertising and get people in the door!

Tip #18: Create more space
Remember, you’re not selling furniture; you’re selling a house! Keeping this in mind, you may want to remove any large or ornate pieces of furniture. Unless your taste in furniture is the same as the potential buyer’s, large pieces aren’t going to help your house sell. Their absence, however, will make your house appear spacious and inviting.

Tip #19: Head to the nursery
When your house is up for sale, it’s time to retire all those half dead plants (both in your yard and in your house) that you keep thinking will come back to life some day. They make a mess by dropping leaves, and to put it frankly, having no plant is better than having a dead one. A quick solution is a trip to the nursery for a few fresh new plants!

Tip #20: Start packing
It will take some time to get all your knickknacks packed and ready to move. Why not do it now? Wrapping these little items in newspaper and storing them will make your move easier, and it will help your house show better. Remember, less is more!

Tip #21: Replace the Garage Door
The garage door is one of the largest, most visible elements of a home. If you want to instantly enhance the overall look of your home’s exterior and increase its value, replace your garage door before listing your house. After all, what’s the use of a clean, organized garage if the door itself is warped, cracked, broken, or in need of painting?

Tip #22: Empty the closets
Take as many of your personal items as possible out of your closet and store them in an out of the way place. When your closets are cleaned up, they will look much larger to the potential home buyer! Abundant closet/storage space is a major selling point for most people. Apply this rule to any storage area.

Tip #23: Create an experience
Try writing a letter telling about some of the features of your home. Talk about the schools, good neighbors, malls and shopping centers in the area, perhaps even a little history about the home. Write it in a very personal fashion, as if you were writing to a close friend. Try to create images in the potential buyer’s mind of how great it is to live there. Finally, type this letter and make copies, but sign each one by hand. Put the letter in a nice stationery envelope and leave it out where anyone viewing the house couldn’t miss it.

Tip #24: Buy some new furnishings
Now is the best time for replacing old, worn out items with something new! Use your better judgment as to which items will actually make your current house look better to a prospective buyer.

Tip #25: Scope out new developments
When you’re selling your home, one of the biggest competitors is the new home development in the area. Visit these developments to size up your competition and get ideas on how to beat them at their own game! Help your home to have the same appeal as the new homes by accenting similar attributes, while pointing out benefits your home may have that the new homes do not. You’ll also get a good idea of what the price of your home should be, based on what the new homes are selling for.

Tip #26: Take the dog for a walk
If you own a dog that may be intimidating to the potential buyer, take your furry friend for a walk whenever the home is being shown. Your dog’s bark may be worse than its bite, but if its presence alone could potentially cause tension for the buyer, it takes away from the overall emotional experience of looking at the home.

Tip #27: Water the lawn
Use your sprinklers as much as possible to ensure everything in your yard is green. Turn on your sprinkler’s manual start button whenever a Realtor is bringing a potential buyer to view the home. Newly watered landscaping has a fresh, clean scent and a shimmer that makes it look much better than when it’s dry. By leaving them on, you can also discourage any backyard exploring in the event you have unsightly areas there.

Tip #28: Check the price
Price may be a sensitive issue, but it is the one thing that will sell your house faster than anything else. If you price your house right in line with the market, it’s not likely to sell quickly. That’s because only the 10% or 20% of houses with the best prices are selling each month.

Tip #29: Tame wild jungles
An empty yard sells better than an overgrown yard, probably because an empty yard looks larger! When trimming back your shrubbery and trees as you’re getting ready to sell your house, don’t be timid. Trees and shrubbery should not hide the house itself. Less is more!

Tip #30: Buy potted flowers
Flowers always brighten the appearance of a home, and they add a pleasant odor. Most people do not want to buy fresh cut flowers or spend money on something they will leave behind. A helpful alternative is to use clay or decorative pots as planters. After they have helped to sell your current home, you can use them to brighten up your new home as well!

Tip #31: Don’t leave a mess
Inspect your house on the way out the door every day to see if there are any messes you have not had time to clean up. Kick clothes under the bed or get a couple of large, plastic tubs for emergencies. In short, don’t leave your home a mess if there’s any possibility that a potential buyer may see it. As a final note, be careful not to hide your mess where it will be easily discovered, such as in a closet or cupboard.

Tip #32: Brighten things up
Add a dramatic appearance to your house with new 100-watt light bulbs! A bright house looks larger, cleaner and more appealing to a potential buyer. This will create an open feeling, similar to the many new homes that are built today with lots of windows and skylights!

Tip #33: Dollars and scents
If you’re not already popping something in the oven to fill the house with a pleasant aroma, spray a little vanilla air freshener. This particular scent has a great impact. Potpourri around the house is a good idea, too. Remember, we’re trying to appeal to as many senses as possible!

ABC Real Estate Directory

Alex has built a great database of Realtors and been able to bring value to these relationships by being much more then a typical loan officer. Alex has spent a lot of time going through coaching and 1 on 1 training for the mortgage business and as a result of what he has learned he spends a lot of his time using that information with his realtors. Real Estate training has been very easy for Alex Aguilar because the way you market yourself and build relationships in the mortgage business is very similar in real estate.

Real estate training is just another added benefit that Alex brings to his agents and he really enjoys meeting with his real estate agents on a monthly or quarterly basis to complete a 3 page quarterly review that has the agents define their goals for the next 90 days and gives them a breakdown of how they will accomplish these. The important thing to note is that Alex not only puts these goals and plans in writing with his Realtors but he gives them details, ideas and suggestions on how to accomplish these goals.

If you are a real estate agent that is really interested in taking their loan officer relationship to a whole new level please call Alex today because his Real Estate training could really help bring you the results you deserve.