Speech#1: 
 
Financing’s

Hottest

Alternative

FHA Loans are Hot, Hot, Hot! Learn how the new FHA loan guidelines can help increase your production in today’s market. You can help your Buyers, Sellers and past Clients save money while you increase your bottom line. Add value to your services and feel good about who you are and what you do. FHA loans are now fast, easy and affordable!

This session will cover…

• New Maximum Loan Amounts
• Changes to FHA Mortgage Insurance Premium (MIP)
• Minimum Down Payment Requirements
• No Score Borrowers
• Non-purchasing Spouse Guidelines
• Non-occupying Co-Borrower Guidelines
• How to Use Maximum Seller Contributions to Benefit the Seller & the Buyer
• HUD REPO Loan - Includes $500 Bonus to REALTOR®!
• FHA USDA/Rural Loans - 100% Financing

Speech #2: Financial Independence – Pipe Dream or Reality?

It has been said that the American definition of savings is shopping at a less expensive store. Unfortunately Americans do not have a reputation for having the ability to save for the future. Are you financially independent? If not, would you like to have a plan to get there?

Did you know…?

§ More than half of all Americans plan to put away less than 5% of their income this year, and 26% don’t expect to save anything.

§ An estimated 90 million Americans will be 65 or older in the next 40 years, doubling today’s senior population.

§ Over the next two decades, nearly 80 million baby boomers — about 10,000 per day — will become eligible for Social Security.

§ If no changes are made, the Social Security trust fund is projected to deplete its reserves in 2041 and will begin paying out more in benefits that it collects in payroll taxes in 2017.

Join us to find out how you can start down the road to financial independence today.

Speech #3: How to Harness the Power of Your Mortgage as a Retirement Planning Tool

Discover how your mortgage impacts your ability to create wealth. Most people don’t stop to consider how their mortgage can play an important role in their retirement lifestyle. This session will discuss the pros and cons of Reverse Mortgages, Home Owner Accelerator loans, home equity lines of credit and much more. Selecting the right mortgage can help many seniors supplement social security, meet unexpected medical expenses, make home improvements, stay in their home instead of having to move into a retirement home and even purchase that vacation home they have been dreaming about.

Speech #4: Do You Know How YSP Affects Your Buyer’s Interest Rate & How to Protect Your Clients From Getting Ripped Off?

Add value to your services and justify your commission by showing your buyers and sellers how you can help them avoid becoming victims of predatory lending practices. Join us to learn:

• How Typical Loan Originators Get Paid
• The Impact of YSP to Your Buyers Maximum Loan Amount, Rate & Fees
• How to Identify Predatory Lenders vs. Honest Ethical Lenders
• Common Targets of Predatory Lenders & How to Protect Your Buyers & Sellers

Speech #5: What’s really going on in the Mortgage Industry & how does it affect you and your buyers and sellers?

To not only Survive but Thrive in today’s market you have to Take Charge of all aspects of your business. And that includes financing.

Financing is a major issue in real estate today. You need to have the tools and knowledge to know what you're doing. After all, does it matter how many homes you sell if they don’t close?

This Session will show you how to use financing to add value to your services. In just 60 minutes you will learn:

· What’s Really Going on Behind the Scenes with Mortgages

· How it Affects You and Your Buyers & Sellers

· How to Apply New FHA Guidelines to Help Reduce the Time Your Listings are on the Market

· How to Help Past Clients Behind on Their Mortgage Before it’s too Late

· How Real Estate Professionals are Creating Additional Revenue Streams to Increase Their Bottom Line