How to Qualify a Buyer

Written by Kawana Barnard


How to Qualify a Buyer

Does your customer or client need to be pre-qualified? I am a licensed Real Estate broker and Loan officer and here is how I did it before becoming a loan officer. No matterrepparttar state; math is still math. However, an agent can only pre-qualify a person to an extent. That credit report is a BIG must. The best thing to do is referrepparttar 104801 buyer to a lender. If you are lucky you have an in house lender. Bless your heart. I have found that a typical person can qualify for a home that is approximately 2 1/2 times their yearly income before taxes (include spouses yearly gross income if any). Depending onrepparttar 104802 debt to income Ratio's of 28% or 36% and some Refinances of 45 % along withrepparttar 104803 amount ofrepparttar 104804 down payment andrepparttar 104805 amount ofrepparttar 104806 property you are buying or refinancing, will berepparttar 104807 determining factor in your ability to purchase. (not to mention credit reports) you should have a beacon score of at least 675 to even qualify for a sub prime loan. Obviously higher is better. unless were talking about a different kind of scoring system, (which is a whole other article). Qualifying ratios are: 28%= total monthly debts 36%= living expenses + long term debts. A prudent agent will Pre-qualify a prospective buyer as soon as possible and even before showing that possible buyer properties. Any agent that does not get a pre-qual may find out later that they have not acted inrepparttar 104808 best interest ofrepparttar 104809 buyer orrepparttar 104810 seller. Now past all that. The agent has two things that he may choose from. 1. Getrepparttar 104811 financial information fromrepparttar 104812 buyer them selves to dorepparttar 104813 appropriate income/expense analysis. Minusrepparttar 104814 Credit Report. (which is never a good thing) OR 2. Referrepparttar 104815 buyer to a lender. The last solution is alwaysrepparttar 104816 best. It can help to speed uprepparttar 104817 loan process, also it can help you better decide on what contingencies to present an offer torepparttar 104818 seller and what propertiesrepparttar 104819 buyer should be looking at.

It´s not your lack of goals that causes a lack of success, It´s the relation between your values and your operations

Written by Kenth Bender


Subtitle: Your Values determine your Motivation and Focus, and your Focus determines your progression, results, and success.

by Kenth Bender

© 2003 Kenth Bender

It is seldomrepparttar lack of goals that causes failure, it is more oftenrepparttar 104800 lack of connection between your values andrepparttar 104801 operations in business or in life or whatever your intentions are. Between these dimensions your motivation is floating around to and fro, and maybe you are surprised that you are not reaching a higher degree of motivation to be continued.

You shouldn’t! When your pattern goes: Values-Operations-Motivation-Focus- Goals-Progression-Results=Success. Then, You Should be surprised!

Your first question to ask: Dorepparttar 104802 operations, businesses, services, or which ever area you intend to enter, do they agree with my values? If they don´t, quit or don´t enter that field! If they do, make your decision, enterrepparttar 104803 area, set your goals, and get started!

We have learned for hundreds of years, that when we feed our minds with suitable thoughts, we will reach deeper, wider, and higher. Or we can begin to feelrepparttar 104804 smell of no-progression and no-success. So why is destruction and misery so dominant in our media?

Is it because ofrepparttar 104805 well known cynicism, to tempt viewers, listeners and readers? Or is it actually to let us know what´s going on aroundrepparttar 104806 world? Is it to keep us updated with reality? If so, why do we end up with that? Why restrict ourselves and create our own limitations?

Why stand there and observe atrepparttar 104807 sideline, frozen asrepparttar 104808 fool onrepparttar 104809 hill, be sorry for, and complain as all this happens in front of us? How would it be if we turned around 180 degrees? That´s notrepparttar 104810 truth thatrepparttar 104811 media is concentrating on “negative news” it´s only our focus and perceptions? It is easier to be influenced by seeing, hearing, and feelingrepparttar 104812 whisper inrepparttar 104813 wind orrepparttar 104814 storm and conflicts inrepparttar 104815 business orrepparttar 104816 world, ifrepparttar 104817 words, pictures or sayings are “threatening.”

It is much easier to become scared, worried, or to feel uncomfortable, since we can´t actually handle our emotions. Is that why we thinkrepparttar 104818 media concentrates their focus on “negative news?” Or is it all about our focus and our relations torepparttar 104819 subjects? So then, 98-99% is positive news and 1-2 % is just negative. Is that correct?

Would it be more “fair” to say that our perceptions have such a power and affect us in such a degree, that we can´t control our emotions? Is that why we experiencerepparttar 104820 world filled with so much destructions and miseries?

When I first saw a list onrepparttar 104821 Internet of “the secret words you have to use when you copyright” I became surprised. Who is s/he who would like to unmask “secret words” and share that with competitors?

Well, I learned that these words had a built-in power because they enter our subconscious. When secret words are gone withrepparttar 104822 wind, they aren´t “secret” anymore. (It might be a case forrepparttar 104823 FBI or CIA?)

Dear reader, you can view these secret words in most ofrepparttar 104824 sales-letters aroundrepparttar 104825 net. A great number of net-makers know this and use them daily. Butrepparttar 104826 power is gone,repparttar 104827 secret words have been drained to their emotional power.

When someone releases a new idea, or relates to a specific subject or topic, spiced by gurus or authorities, it often becomes a self-fulfilling prophecy and we´re onrepparttar 104828 track once again.

The secret words are only secret duringrepparttar 104829 time you write them, and it´s only you as a writer who knows what words are “secret” becauserepparttar 104830 secrecy is gone whenrepparttar 104831 readers meet them. The secret words are just words themselves, and all words are more or less hypnotic, depending on what context and how you use them.

Do you belong to those of us with immense challenges in our lives? The privileges, businesses, or life opportunities, seem to be on our top ten agenda. And parallel we do have “different worlds” to relate to which affect us. Sometimes we turn around 180 degrees and pretend different subjects do not even exist. Onrepparttar 104832 other hand we ask questions, questions, and more questions. Sometimes we presuppose that things are a certain way without asking any questions, without any proof, and we experience that our life becomes more like an unanswered question.

Right now we have an Internet era that, as many have told us throughrepparttar 104833 net, still is inrepparttar 104834 beginning. What are you focusing on? Do you ask questions about content or mini- sites? Do you have September 11, The War in Israel, Iraq Issues, Political dynamite subjects, violence, miseries, starvation, rapes, robberies, murder, national or international etc…in your memories or focus?

What is your focus? Is it important and vital to let your subscribers get free offers from your site? Is it important that your subscribers mostly have to pay for your info or services? Where do you direct your customers focus?

Is it important to know that what you focus on, that is where you are mentally? At that place you have your thoughts; your brain is listening, and sends you away to that target.

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