What happens when you’ve saved and planned for retirement — and then the rug beneath your feet morphs into a magic carpet of debt and disintegrates?
Continue readingThe Financial Assessment Released
The long anticipated, or dreaded depending on your viewpoint, Financial Assessment was announced last week by HUD at the annual National Reverse Mortgage Lenders Association conference in Florida. The new guidelines will go into effect March 2nd, 2015…
Continue readingWhat Am I Selling?
With increasing regulation, product restrictions and the newly-released financial assessment we may ask ‘what do we have left to sell?’.
Continue readingAge Is a State of Grace, Part 2: Dream Jobs for Elders
Do any of your reverse mortgage clients or prospects still work, not necessarily because they need the money but to continue to contribute their skills and wisdom to the world? If some of your senior contacts are experiencing low spirits, perhaps a part-time dream job could be the cure.
Continue readingReducing HELOC Risks
HELOCs have begun to resurge in the mortgage market as home values have nearly recovered from their pre-crash values and today’s artificially low interest rates. While banks make these loans attractive to the average consumer what is often overlooked or not expressly pointed out are the risks and limitations.
Continue readingPhone Masters
With more reverse mortgage origination and sales being done over the phone or the extensive followup and communication required to close any loan it makes sense for us to evaluate our phone skills…
Continue readingAge Is a State of Grace, Part 1: Acting Out
Age is definitely a state of mind, as one elder demonstrates repeatedly. At 83, Violette moved from North Carolina to Costa Rica to live with a daughter’s family, but found the arrangement too confining for her adventuresome spirit.
Continue reading7 Questions We All Should Be Asking
In the interest of best serving the needs of the borrower and protecting ourselves against future legal claims, each of us should reexamine the questions should be asking each potential borrower…
Continue readingWhat We Do Quietly Matters
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6 Tips to Increase Personal Happiness
Happiness. It’s that elusive state of mind we strive for in our personal and professional lives. It’s more than having that warm touchy-feely emotion because our level of happiness directly impacts our professional performance and our relationships with family and friends. Our days are built on routine whether we like them or not and as such we should strive to find simple ways to make the most of life and maximize happiness. So what are some of the things that happy people quietly do?
Here are just a few things that happy individuals practice.
1- They are grateful. Gratitude snaps us out of a negative mindset of lack and frustration into one where we ponder what we already have. Gratitude also puts us in a mental state to better see and seize upon opportunity.
2- They avoid drama. A drama-free life is a healthy one. There is…
Download the video transcript for this episode here.
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A Picture Is Worth…
Because video enables you to give seniors a taste of who you are and how you can serve their needs, without the possible discomfort some people might feel sitting in a stranger’s office for the first time discussing deeply personal issues, a video introduction may be the vehicle to drive them to make an appointment.
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