Home Financing Ninja

PRESS RELEASE
For Immediate Release

Florida Mobile Fusion New Mobile Marketing Consulting Program Provides Local Business Owners with Innovative Way to Improve Mobile Marketing and Mobile Advertising Package--FREE

Tampa, FL (July 1, 2011) – Chuck Ward of Tampa, Florida recently unveiled his much anticipated mobile marketing program—Florida Mobile Fusion (FMF).

This high-value program is designed to save employers and companies thousands of dollars when investing, or investigating aspects of mobile marketing and mobile advertising. In addition to generous savings, FMF also provides members with an array of free services and helpful resources.

Image Design By Deoca Pac Designs, Plam Harbor, Florida

“Instead of spending money on expensive and outdated advertising, our program redirects current marketing dollars to customers and potential clients in the form of generous discounts, cash rewards and free services, thru the mobile technology platform and the group-buying mentality” says Ward.

According to a recent survey, the demand for mobile marketing expertise and mobile marketing services are one of the most requested positions. In fact, Juniper stated in a recent article, “Mobile retail is expected to reach $12 Billion by 2014.”

“In today’s environment many retailers and professionals have been forced to cut back or eliminate altogether marketing. Our program is right for the times and a win, win proposition for both the retailer and the consumer,” says Ward. “We are simply giving consumers what they want—meaningful savings, VIP service and convenient access to products and services at a place where they want it at – via the mobile platform. But at a price that is 70 – 90% lower than traditional marketing. Our program is a welcomed asset to local retailers because it provides a low cost solution that helps companies enhance and diversify their advertising packages.”

Retailer participation is fast and easy, and there is virtually no program management involved. Enrollment for customers (and their family members) is free and entitlements begins immediately. Clients conveniently view packages and access their resources from the FMF “resource center” website, which houses current mobile marketing news information, reports and tools.

“Also included in our package are products and services from local reputable businesses and professionals that have agreed to provide special savings and discounts to FMF members. Our mission is to be a trusted asset to local businesses and organizations, while providing their customers with generous savings, extraordinary value and unsurpassed VIP care and attention,” says Ward.

All clients receive FMF program instruction enabling them to implement mobile marketing on their own and a monthly value packed e-newsletter called “Mad Mobile Minute”. “When you provide high quality service, do the right thing and give back to the community, everyone wins,” says Ward.

"We will be using marketing expertise garnered from the mortgage industry to promote our position as well as those of our clients. This will include LinkedIn, Facebook and video marketing as a whole."

For more information about FMF mobile marketing programs Tampa Florida, contact Chuck Ward, Executive Director at 813-388-9181 or email chuck@floridamobilefusion.com. Also be sure to check out the FMF website at www. floridamobilefusion.com.

My friend and fellow animal, Rebekah Radice, discussed last week about what QR Codes are and some creative ways to use them.

I thought the Creative Ways to Use QR Codes in Real Estate Marketing article was very well written, concise and informative.  Plus it made me hungry.

I saw and have heard several requests on How to Get a QR Codes to Capture Real Estate Leads or QR Codes for Real Estate Lead Generation.  So I created not only a solution to solve your problem of needing a QR Code in Real Estate Lead Capture but I also made it very in expensive.

So here is the flowchart, so you can see where this is going.

	See what a mobile optimized website looks like (remember, this is a test site ONLY)

Here is a Bonus Piece when wanting to know How to Get a QR Codes to Capture Real Estate Leads

So here is the simple call to action in learning How to Get a QR Codes to Capture Real Estate Leads.  You gotta contact Chuck Ward, Active Rain Approved Member Coach and Loan Officer with Proficio Mortgage. Scan the QR Code below for a special offer.

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It Started with A Call: Customizable Listing Presentations For Realtors with E-Property Sites

Yesterday I was browsing the headlines (featured posts) of Active Rain. There was a post by Atlanta Luxury Homes Realtor, Ron Tissier asking the general AR community for a customizable listing presentation for realtors.

First, a little about Ron Tissier, Atlanta Luxury Real Estate Agent. Ron works with Atlanta Luxury Real Estate, in Altanta Georgia.  He is a former appraiser. Since moving to Altanta in 1987 he has been a Realtor since 1999.  His only designation is the CRS (Certified Relo Spec).  Ron concentrates on Luxury Real Estate, Atlanta Georgia in the price points of $250K to $5 Million (As you can see by the links and keywords, I am trying to boost his rankings)

Ron Tissier, Atlanta Luxury Real Estate Agent made a blog post back in March 2010 that was just recently featured.  Now for my midwestern brain that has long sinced be irreprably damaged by the Florida Sun and moments around high explosives (I used to be in the military) - I had a hard time trying to figure out how a post from early 2010 can be featured over a year later.

So like any good person I picked up the phone to reach out and touch someone.  So I called Mr Ron.  I explained that I am an Active Rain Member Coach, and that I am part of the Active Rain Confirmed Loan Officer Program.  I further went to explain that I had seen his post requesting Customizable Listing Presentation for Realtors.  But my confusion was, has the request for Customizable listing presentations for Realtors been filled as his article from 2010.

Talk about "Feeling the Luv".  He said that it had, but he explained to me that he had recently become a Active Rain Rainmaker.  He had gotten a call (from the Active Rain God on High Himself) from Nicky.  Nicky wound up featuring one of Ron's articles (requesting Customizable Listing Presentations for Realtors) and that the AR community had responded in force with ideas, suggestions and feedback.  He said he could not believe the repsonse of the other members.

So I went on to tell him what I could offer.  I spoke a little about who I am, that I was a loan officer with Proficio Mortgage Tampa, Florida and that I had a very awesome Customizable Listing Presentations for Realtors E-Property Sites and that he was more than welcome to have access to it.

Imagine Ron Tissier, Atlanta Luxury Real Estate Agent surprise when a mortgage company was offering to help him build his business.  Needless to say, he was surprised.

In part two, I will discuss the four parts of the real estate cycle that the Customizable Listing Presentations for Realtors cover to help you gain one additional sale per month. In part three, I will discuss whats new with Active Rain and E-Propery Sites Customizable Listing Presentations for Realtors.

Thursday Tech Tip: Last Password You Ever Need

Want to save time (and money) when it comes to remembering your passwords?

See what this Thursday Tech Tip has for you today, courtesy of my marketing department here at the bank (click on the picture below)

As always, when you need someone to help you get more listings, build and maintain your database, or more importantly, get those (untouchable) clients financed, give me a call

TECH TIP THURSDAY: How to Create a Panoramic Picture for your listings .. FROM YOUR CELL PHONE

I had to rush to get this out as I just saw my friend from Michigan do this with his I-Phone.  I don't have one yet (an I-Phone) so I learned how to do it with the Android!!!

Watch the video and learn how to use your mobile phone technology to capture a panoramic picture and insert that picture into your listing.

You will wow you seller

You will impress your buyers

You will save MONEY

You might even sell a house

If this helps you, imagine what I can do with just one more dollar.

Better yet, imagine what I can do for you .. as a loan officer!!

If you found this video and article of value, please, please, please, reblog it!!!

Like the credit card commercial says

Tell me, What's in Your Listing Presentation???!!!

Who's your bud?

The Next War in Real Estate: QR Codes vs Snap Tags

So once again, I find myself up early (415 AM Eastern).  My own time to review, plan for the upcoming week (or day) without having to turn every two minutes to answer a question from my OCD four year.

This morning I was browsing a few AR featured posts and found a few in particular that interested me.

My favorite, other than trying to get back into someone's pants (an article written by Sarah Bennett), was an article written by Tanya Nouwens of Canada about the QR Code being here to stay.  As I read the comments I was surprised that so many people do NOT use this kinda of technology

In this corner - QR Codes

Most QR code technology was developed in Japan around 1994 to solve problems of tracking inventory.
You can make a QR code do a variety of things

• Call a phone number
• Push to a web site (suggestion, make it a landing page)
• Download Free Text
• SMS Text Message (I am interested in that one, but I could not get it to work the way that I wanted it to)
• Attach a VCard or VCalendar and download onto a phone (great for anyone - Could this be the next electronic business card?)
• Google Maps Location (Long and Lat only right now, but you are smart, you can find that easily)
• Social Media (Status Updates, Likes, Profiles - If you are on social media so much that you need a QR Code - I am sure that there is an SMA - Social Media Anonymous - near you)
• Can be custom colorized
• DISLIKES: Does not give a location of where to download
• DISLIKES: Free, except for the advanced features, such as social media updating

In the other corner -- MS Snap Tag

• Call a phone number
• Push to a website URL
• Download Free Text
• Download a VCard
• Online Video/Photos
• Symbol can be customized
• Can be made into 8, 4 or two color tags
• LIKES: Analytics can be embedded (a need be for real estate industry professional)
• LIKES: Microsoft Developed
• DISLIKES: Lack of applications at this time - I would love to see the ability for my phone to send an SMS/Text message to a number of choice - That would be HUGE for me)

The most popular QR Code function I personally remember was internet postage (Stamps.com.  Just recently I took a flight completely paperless as I had the QR Code sent to my phone in an email.  Takes the place of the paper boarding pass. (Ok I admit, I had a paper pass as a backup!)

There are several types of QR Code Technology - One (called the Aztec Code) is being tested in the Polish car insurance industry

My favorite was the ShotCode.  But after reading about it, I don't see it lasting

Then there is PDF417.  This one seems to be catching on in the US.  Developed in 1991, DHS plans to implement this technology onto / into the REALID Act (coming to a driver license near you)

Similar to the beer commercials of yesteryear - Everyone is going to have his or her own reason(s) for choosing either the QR Code or the SNAP TAG.  I don't care what you use

JUST USE SOMETHING.  Embed technology into your listing presentation, onto your yard sign, business card, etc.  I have had three agents already pick up an extra listing by including it into the brochure for the property

WANNA KNOCK THE SOCKS OF YOUR NEXT LISTING PRESENTATION
(FREE HD VIRTUAL TOUR, FREE VIDEO AND A 10 SECOND CRAIGSLIST UPLOADER)

Learn How to Automatically Convert and Upload a Virtual Tour to YouTube

WHAT - A Step by Step (DIY) video showing you how to upload your property listing virtual tour to your YouTube Channel

WHY - Several Reasons

• One, 60% of All searches are VIDEO related searches
• Two, In this age of instant information, people can get that instant information
• Three, Saves the realtor money (and time, which is translated into money)
• System comes with a whole lot more, for a whole lot less
• There is a BONUS included

Here's the video and the call to action (Time 6:11)

What to Do Now: Grasshopper, Apply now what you have learned and be prosperous and successful

The (BAMFA) Ninja

(PS - If you found this helpful, please re-blog this, suggest it as a feature, pass to your friends in the realty industry, and make the world a better place!)

Real Estate Webinars Work in Florida

FREE AUTOMATED ONLINE INFORMATION WORKSHOPS. Free Real Estate Webinars

Listen Up!  Old School, Hard Core Selling is Dead!  Nobody wants to be sold anything. What they want to is find someone who cares enough to give them real information they need, when they need it.

What if you could provide a growing library of "Live" Online, Related Real Estate Workshops, which present you as the expert, to your clients and prospects all for free?

(The best part?:  These free housing webinars run all by themselves.)

Integrated Registration System

This Real Estate Webinar system has Links that go to an internal video registration page where prospect can reserve a seat for your online workshops.  Each real estate webcasts workshop has it's own sign up page complete with video, calendar buttons and share links.

Themed Countdown/Player page

Attractive graphic welcomes registrants by name and displays the time remaining before the Real Estate Webinars begins.  Each player inside the different Real Estate Webinars can be branded with the realtor's information before and during the workshop.  Free Real Estate Webinars help to create a massive presence for you (the real estate agent or referral partner) in the local buying community. You can even include a smaller video or a chat monitoring script to proactively welcome subscribers to your  free housing webinars.

Subscriber List

All of your registrants and attendees of your co- branded free real estate webinars are added to a list for easy export and follow up.  A separate list is created for each free real estate webinars work-shop. It can be downloaded as a CSV file for easy import to any CRM program (such as ACT, Mortgage Quest, etc).

Autoresponder

One of the most powerful things you can do with your list from the free real estate webinar seminar is send cregistrants of your housing webinar reminders to come to the workshop.  This free real estate webinar system does this all by itself for you. 

Each on demand Real Estate Webinar comes with already done-for-you workshops.  You can also add your own housing webinar with your own referral partners (insurance agents, CPA, accountants, home inpectors, etc) very easily.

FHA New Rules are no longer Rumors

According to a late night Cnn/Money report -- FHA will go to a credit score driven program, higher down payment requirements, lower seller concessions, and higher MIP

Here are some of the facts

• Seller Concession to reduce to 3% from 6%
• Credit score minimum: 580 FICO to have a 3-1/2% Downpayment
  • Lower scores will be higher down payment
• UFMIP (Up Front MIP) will increase to 2.25% (on the average 130K loan, adds an additional $2,925)

Read the entire CNN Story

Now I don't now about you, but I have already been employing these similar strategies (all except the Increased mortgage insurance premium) in my business and in the business models of real estate agents around the country.

If you are a realtor thinking, Oh no, now my business is going to suffer even more -- Hang On and Continue Reading, as there is hope

Let me tackle each bullet point individually

Seller Concession to be 3% down from 6%

Show your seller and entice your potential buyers buy offering the FHA 2/1 Buydown.

• Your seller keeps more money
• Your buyer gets a lower payment for the first two years
  • Heres how it works
  • Assume you have a house on the market for 130,000
  • Assume that the interest rate is 5.75% for 30 years
    • The seller contributes the difference (of the interest payment) over the first two years of the mortgage (in this case I assumed the 3-1/2% down payment) and gives in concessions $3634.92 (2.796%)
• I use this strategy often, yet many realtors and loan professionals either don't use this or don't know about it.  Yes, the buyer DOES have to qualify at the fully amortized rate (5.75% in this scenario) but starts payments 1 - 12 at 3.75%; Payments 13 - 24 are at 4.75%; Payments 25 - The End are at 5.75%

Credit Score requirements to go to 580

It is no secret that if you or your buyer are under that number, they wont get an FHA mortgage.  While there are a few banks out there writing to that or even lower, there are many many extra hoops to jump through that will (not CAN, WILL) delay the closing sometimes up to four to five months.  That's almost as bad as buying a short sale home.

Solution

Credit Repair.  It is no secret that CBA (credit bureaus) are a mass of computers reporting what other computers tell them to.  Greater than 90% of ALL credit reports have many errors.  Errors such as

• Faulty Late Payments

Were you really late on that payment, or did your payment get held some where in the black abyss

• Public Records

What if you have a common name, John Smith or Mary Jones.  And someone else with that same name gets sued in your city, Very good chance that the judgement and lien will appear on your credit report -- It happened to me!

• Excessive Inquiries
• Unreturned Equipment Resulting in Collection accounts
• Collection Accounts

As a former collections person, let me talk about that for a minute.  It IS legal for a collection account to be reported to the credit report (MAny think that it is not, but it is) -- What is NOT legal is the account to be RE-AGED (Violates the FACTA Rule) -- If you have a credit card that goes unpaid or hospital bill that gets miscoded (hey we are all human and make mistakes) - The creditor (or medical office) will send it to a collection agency.  That collection agency will then put it on the credit report the exact time they receive it --NOT WHEN IT WAS OPENED (and thats the legal violation)

Now we all know that we can "dispute" anything on the credit report and after 30 days it is supposed to come off -- Well I hate to break it to you, but unless your buyer has professional representation, the chances of a negative item coming off the credit report are very slim.  EXTREMELY SLIM.  It takes an average of 6 to 30 seconds for a rep at a credit agency to pick up the phone, call the creditor, get someone on the line to verify an account. -- So with that theory, we should have much cleaner credit reports - Again, I hate to break the bad news, but that DOES NOT happen.

MY POINT

Enroll your client in a credit repair program.  Give them 2 - 5 months to get their financial act turned around and they wont have to worry about hoops to jump thru.  They will enjoy quick closings - And they will love you for getting lower car insurance rates, better interest rates on credit cards and that house you sold them.

Best part, THEY will TELL EVERYONE ABOUT YOU.

(Whats that going to do for your business)

Call To Action

• Learn how to enjoy a professionally marketed credit repair campaign, and install it on your website that people visit right now
• Dont have a website -- I can help you with that
• Need more listings to attract more buyers, I can hel you with that
• Tap into Hidden Markets
• Enjoy Professional Websites for all of your listings that include unlimited media, pictures, videos, has call capture IVR, text capture IVR, exclusive leads, auto follow up for your contact database, PLUS MUCH MUCH MORE

Realtors and Loan Professionals -- This is not Rocket Science -- But here is what to do

Sign up for the live event held in Tampa or sign up for the Online Event

Common Denominators: What Haiti Relief Efforts, Hilton Hotels, The History Channel are using and how to incorporate that technology into your business

For those of you who want to immediately try this out, feel free to email or respond with a current MLS listing and I will send back to you the live demo