Real Estate NOW Pros!

Real Estate NOW Pros!

By Gena SchaublinBusinessMarketing
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Real Estate NOW Pros! episodes

  • What The HECM Is A Reverse Mortgage? See What We Did There? Bill Cave, Reverse Mortgage Planner

    Today we interview Bill Cave and he breaks down the myths about HECM/Reverse Mortgages.  

    In the early 1960s, when reverse mortgage loans were first introduced, they did not have any government

    programs backing it. It wasn’t until 1983 when the Senate approved the proposal of having the Federal Housing
    Administration (FHA) to insure reverse mortgages. The Federal Housing Administration has been guaranteeing
    HECM mortgages ever since it was passed into law in 1988 by President Reagan. Since then FHA and HUD
    have made many amendments to the program to improve consumer protections.
    It is our job to give you the best education available with the most up-to-date facts so you can make a bright
    and educated decision. Our Reverse Mortgage Planners are well trained and very experienced with a variety of
    senior, real estate, and retirement issues so you can feel much more secure about making a decision with one
    of your most valuable assets: your home. Some of the most common myths that we hear are below.
    Most, but not all, reverse mortgages today are federally insured through the Federal Housing Administration’s Home Equity Conversion
    Mortgage (HECM) Program. This blog talks about HECM loans only.

    #1 MYTH: I could lose my house and be forced to move.

    FACT: As long as all loan terms are met, you cannot be forced to sell the home and move. Terms include living in the house as your
    primary residence, maintaining the home, and paying home expenses such as taxes and insurance. Some circumstances will cause the
    loan to mature and the balance to become due and payable. Credit is subject to age, property and some limited debt qualifications.
    Program rates, fees, terms, and conditions are not available in all states and subject to change
    #2 MYTH: Your home will be taken away when you pass away, and the family loses the right to the property.
    FACT: When you permanently move out of the home, whether you sell it or pass away, neither you, your estate nor your heirs are
    responsible for paying the deficit if the balance owed on your reverse mortgage exceeds the home value. However, should your heirs
    want to keep your home, they may purchase it for 95% of the current appraised value. *
    #3 MYTH: Your house must be debt-free to qualify for a reverse mortgage.
    FACT: The amount of money you qualify for a reverse mortgage varies based on the down payment you will need to bring to closing
    (ranges from 30 – 74%), which will be determined based on your age, or age of non-borrowing spouse, if applicable, current interest
    rates and the sales price (or appraised value, whichever is less) of the home you are buying. You must live in the house as your primary
    residence (live there 6+ months per year). Some income, property, and credit qualifications apply to ensure you can pay taxes and
    insurance and maintain the home.
    #4 MYTH: The safest thing is a house “free and clear.”
    FACT: In the event of an extended nursing home stay or a lawsuit, all your home equity can be lost that you spent your whole life to
    create. A reverse mortgage loan can unlock that equity and allow you to manage it for the benefit of your family properly. Talk to your
    financial advisor about how a reverse mortgage can help you do this, including helping you pay for longer-term expenses such as
    medical and nursing home expenses. 

    Learn more by contacting Bill Cave directly at 623-341-6334 are at [email protected]  

    www.FairwayReverseAZ.com

    Favorite Charity:  https://alzfdn.org/



    22 min
  • Build The Value And The Business Will Follow, Laura Dillion and Traci Greenhow with Pioneer Title Agency

    Today we interview and learn more about our co-host, Laura Dillion and her team at Pioneer Title Agency.

    Laura's and Traci Greenhow, Branch Manager at the Tatum and Shea Branch have built a Dream Team with over 60 years of combined experience in the title and escrow space.  Their culture of delivering World Class Service is second nature and second to none!  From the way they answer the phones, to the way they execute title and escrow documents to the way they help their Realtors gain market share by hosting events, tours and social media training.

    www.PioneerTitleAgency.com

    Open escrow with [email protected] or call her directly at 480-237-4261

    Want to put your listing on tour or learn social media tips and tricks, reach out to Laura at 602-573-4371

    37 min
  • The Other "F" Word, with Gena Schaublin, MBA - Schaub Mortgage Group at Watermark Home Loans

    Today we get down and dirty and talk with our Co-Host, Gena Schaublin about her years in finance, mortgage and the other "F" word......FICO.  Gena's 23+ years in the financial industry allows her to not only get clients a mortgage, but increase their FICO credit scores, coach them on money management and position them for the future.

    If you are in need of a mortgage check up, please reach out to Gena at 602-317-7610 or email her at [email protected]

    If you'd like to apply for a loan, you can quickly do that at www.GenaSchaublin.com

    Facebook:SchaubMortgageGroup

    IG: GenaSchaublin_HomeLoans

    Gena Schaublin
    Mortgage Banker | NMLS# 181884

    Gena's abundant positive energy, work ethic and people skills give her an edge in the mortgage industry. She has over a 20 yrs. of experience in the financial industry and a talent for analyzing situations and creating perfect financial solutions. Gena works closely with both her Realtors and the borrowers and is committed to helping individuals and families realize their dream of home ownership. Your unique needs and requirements make working with a professional like Gena a necessity. She provides individualized attention and the professional services you deserve. Gena has an undergraduate degree in Communications from ASU and an MBA in Business Management and Marketing from Western. She is licensed in AZ and CA and is actively working in both markets. From First Time Homebuyers to Multi-Million dollars purchases, she has a program.

    Gena is a true professional

    "We have worked with and recommended Gena for many years. As a Realtor, it's absolutely crucial to have a lender who's on top of things, knows their products and can communicate quickly and effectively with our clients throughout all stages of the buying process. The financial side of buying a home can be stressful for the client, and is usually where things can go sideways. We simply cannot afford to refer our clients to people who are inexperienced or don't have a strong internal back-end support system. Gena's personality, market knowledge and ability to help guide clients through the sometimes challenging process of getting their loan approved is what makes her a superstar. We highly recommend her and are confident you will be pleased with her. -Amy Angelo, Realtor" Amy A., Phoenix AZ

    38 min
  • What Do Covid19, Manhattan Beach and The LA Kings Have In Common? Greg Geilman
    Today we interviewed a prominent Manhattan Beach, CA Realtor who has survived Covid19, is the official LA Kings Realtor and someone who strives to be the best person he can be in order to give the best service and experience to his clients.  Meet Greg Geilman.
    As a RE/MAX® agent, I’m dedicated to helping my clients find the home of their dreams. Whether you are buying or selling a home or just curious about the local market, I would love to offer my support and services. I know the local community — both as an agent and a neighbor — and can help guide you through the nuances of our local market. With access to top listings, a worldwide network, exceptional marketing strategies and cutting-edge technology, I work hard to make your real estate experience memorable and enjoyable.
    Charity Of Choice - Bullies and Buddies and you can donate at https://www.bulliesandbuddies.com/donate
    (310) 853-3073 Office
    (310) 251-7725 Cell
    https://www.southbayresidential.com/
    24 min
  • "Brand Equity Is On Sale Right Now!" with Travis Thom, CEO at ElevatedREM
    Today's episode looks at BRAND, VALUE AND HOW YOU POSITION YOURSELF in this environment (Covid19) and for the future.
    Travis Thom is Co-Founder and CEO of Elevated REM and is an industry-wide recognized Facebook Marketing Expert. He serves as a consultant and advisor to Facebook headquarters and serves on Facebook's Real Estate advisory board. Travis’s background in Real Estate provides him an in-depth understanding of the marketing needs of Agents and he used his knowledge and experience from his Advertising Agency for Real Estate to create an national and hyper local campaigns leveraging advanced re-targeting and lead generation strategies that have helped close over half a billion in closed Real Estate sales for his clients.
    NEW INSTANT FACEBOOK MARKETING ENGINE for $39 + 15% of ad cost.  Check out the deets at www.WalledGardenHG.com
    Additional services can be found at www.ElevatedREM.com
    Travis charity of choice is KINDCAMPAIGN.COM
    32 min
  • The Angelo Group is NO JOKE! Realtors Who Consistently Lead The Pack & Believe In Sharing Their Secrets Of Success.
    Today's episode features Amy and John Angelo, Realtors at North & Co. Real Estate.  With a combined 40 years of experience in the Real Estate industry, they share their secrets of success and how they make working together, raising two boys, volunteering in their communities and rolling with the punches of Real Estate, work for them year after year while consistently staying at the top of their game and TOP PRODUCERS in their firm.
    Their Charity of Choice is ArizonaHousingFund.org 
    Amy Angelo 602-790-8284
    John Angelo 602-616-1455
    www.TheAngeloGroup.com
    Interested in the Buffini CRM?  Check this out: BuffiniandCompany.com/solutions
    MEET THE ANGELOS
    With 40 years of combined real estate and investment experience, we know it is about treating people right.
    A team of professionals with both real estate and business experience, we offer extensive knowledge of the Valley real estate market and have a history of success. We focus personal attention on understanding and meeting our client’s specific needs and devote ourselves to serving them before, during and after each transaction.
    ABOUT JOHN
    After working for two of the world’s Fortune 50 Companies, John brings real-world corporate and professional knowledge to the business of real estate.  A 30+ year Phoenix resident, his wealth of both traditional and “street” education coupled with an unprecedented resume of bold experiences help to round out and fill John’s business background.  John complimented his ASU Broadcasting degree with an MBA from Thunderbird School of Global Management in 1996.   In between both, John spent over two years working in Nicaragua in the United States Peace Corps.  He has been an active Realtor® since 2003 along with his wife, Amy Angelo.
    ABOUT AMY
    A Montana native, Amy has called Arizona home since 1994.  Upon graduation from Arizona State University in 1997, Amy worked for one of the Valley’s largest publicly traded Fortune 500 companies.  Amy saw the tremendous potential and opportunity our local real estate market had to offer and began her career in real estate in 2003.  She credits her corporate experience and responsibilities in helping her become the successful Agent she is today.  Amy brings a wealth of skills to her clients and understands the need for diligence throughout each step of a transaction.  She has successfully completed her GRI designation (Graduate Realtor® Institute), her Accredited Buyer Representative designation, and is a member of the Institute for Luxury Home Marketing (ILHM).
    With great knowledge of the Phoenix metro area as well as intimate local area knowledge of the North Valley, Amy works extensively to help Buyers and Sellers meet their real estate goals.  Amy’s energy, enthusiasm and commitment to her clients set her apart from the competition, and nothing is more important to Amy than putting her clients first and dedicating herself to each step of the process to ensure a smooth transaction.  Amy prides herself with connecting with clients in business and in life…before, during & after every transaction.
    OUR PHILOSOPHY
    Being a real estate professional is about much more than buying and selling homes…It’s about being there as a resource for anything related to homeownership.
    Our goal is to provide the best possible counseling & negotiation skills to help you achieve your goals and relieve the anxiety that often comes with having your home on the market.
    With the support of North & Co., we are committed to meeting and serving all your real estate needs.
    39 min
  • PPP ~ EIDL ~ PAS All Of These Acronyms Are Not A Rap Song....We Promise! Michael Velasco with Provident Accounting Services
    In today’s episode, we talk with Michael Velasco, of Provident Accounting Services, Realtor at My Home Group and owner of a Real Estate Training company here in AZ.
    He’ll dive into the Cares Act for unemployment, SBA loan details and other relevant topics during this time of Covid-19. 
    If you'd like to talk to Michael about these programs, setting up an Sole Proprietorship, LLC or S-Corp, bookkeeping or any other accounting topic, he can be reached at 480-200-2914 or on Instagram @Provident_Accounting or visit his website at www.ProvidentAccountingServices.com.
    Michael's Charity of Choice is Saint Mary's Food Bank which is where we will send any sponsorship proceeds we get from this episode.
    20 min

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