Watch Your (Body) Language  Body language speaks volumes – yours as well as your prospect/client’s. Negative: l Limited or no eye contact l Brow tension l Crossed arms l Whole body positioned away from the person you’re speaking with l Tight jawline l Hunched shoulders l Rigid body posture l Tapping fingers. l Fidgeting. Positive: l Body position upright, facing the other person, leaning slightly forward means “I’m listening.” l Smiling eyes mean “I’m comfortable wit…

Home Equity: How to Use It Let’s look at the different ways you can use your home’s equity. Refinance: In essence, this is a way of paying off your current mortgage and getting cash out based on how much equity (the difference between the market value of your home and what you owe on it) you have in your home. This is a great way to lower or lock in your mortgage interest rate. This is the way to get large sums of money – $30,000 or more – because you have 15 to 30 years to pay i…

Watch Your (Body) Language  Body language speaks volumes – yours as well as your prospect/client’s. Negative: l Limited or no eye contact l Brow tension l Crossed arms l Whole body positioned away from the person you’re speaking with l Tight jawline l Hunched shoulders l Rigid body posture l Tapping fingers. l Fidgeting. Positive: l Body position upright, facing the other person, leaning slightly forward means “I’m listening.” l Smiling eyes mean “I’m comfortable wit…

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Interest Rate BuydownsWhat is an interest-rate buydown?l It’s a tool to help you qualify for a larger loan and purchase a higher-priced house than you could under normal circumstances.l A buydown allows you to pay extra points up front in return for a lower interest rate for the first few years.l The good news: the extra points are tax deductible.l Often, people relocating for employment obtain buydowns because employers often pay the extra points as part of a relocation package.l Buydowns are…