The following video will provide further insight into this new way of getting the most from new listings and open houses.

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Real Estate Appreciation Rates State by State - Click to download a free PDF

Our stock brokers will tell us that stocks have a higher historical rate of return than real estate and on a top line basis, that is true. However, they forget a few very important facts when making that comparison. Primarily, that we don’t need stocks yet we do all need a place to live. Beyond that are what we might hear and talk about a little more which is the benefits over time of tax deductible leverage and the current level of affordability being so good that it’s now often cheaper to own than it is to rent.

We must apologize for that last line there though as renting always costs money and while many have suffered lower values and hardship recently, those that have hung on in the past and through the cycles both up and down, owning has almost always made money. Want to see how that works? Here’s an online calculator that you can use to see exactly what owning can mean over any period and given any parameters Total Cost & Benefits Calculator

But hey, owning stocks can be a good thing too, we all need to be diversified and they provide a way to earn or build wealth without having to do anything. Owning real estate isn’t always a picnic and it’s not for everyone. Still, for those of us that want to be the CEO of our own destiny and actually know what’s going on in our boardroom, want to know that our investment is grounded in earth rather than a certificate and hence, even if our home burns to the foundation, it’ll still be worth the ground it was built on rather than the paper on which it was printed, real estate can be a great opiton. You of course have to decide for yourself and educate your clients accordingly but for us, it doesn’t get much safer than that.

The 3 Most Important Questions for Today:

1. Have you ever owned a stock that went to zero?

2. Have you ever owned a home or piece of land that went to zero?

3. Now that you’ve thought about it, which do you fee safer owning going forward?

While the spreadsheet has already been expanded beyond the making of this video, you can take a look at this too in order to get a very quick run through of how to utilize the spread and what the MI cost differences may be. Note, the proposal has not yet been released (as of this writing) in the form of an official Mortgagee letter and that won’t be available unles or until this is signed into law by the President. Until then, word is that the MI over 95% will be .90 but the letter implies that they’ll have authority to go as high as 1.55%. You’ll see exactly how much of a negative impact that could have if it were to happen. Video available here.

Cheers!

This flyer should go a long way to quickly and easily convey the real story and allow borrowers to be properly inclined to provide the information essential to providing accurate estimates.

You may treat yourself to a download of the generic version shown or subscribe now and receive a customized version along with all of the other elements in our subscription package.