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CURRENT OPENINGS
It's time to work for #1. Embrace is SocialSurvey’s #1 Mortgage Company in Customer Satisfaction. On top of that, we’ve been recognized seven times as one of the Best Medium-Sized Companies to Work For in America, six times as one of America’s Fastest Growing Companies, and we get awarded Best Places to Work in Rhode Island yearafter
DECLARE YOUR INTENT TO PROCEED I/We have applied for a mortgage loan from Embrace Home Loans and having received a Loan Estimate, dated 10/10/2016.AUDLEY LEWIS
He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He’s faithful to his ministryand is
CHANGING REAL ESTATE AGENCIES? GOING TO A NEW AGENCY? 4 Nearly every agent will change brokerages at least once in their career. Whether it’s due to a move, a problem with how the last agency was operated, or just the need for a change of scenery, switching brokerages is often inevitable — but it shouldn’t mean a 5 COMMON REASONS HOUSE CONTRACTS FALL THROUGH Having a house contract in place is a big win — whether you’re buying the home or selling it.. But don’t celebrate too soon, because that contract is only the THE REPERCUSSIONS OF A MORTGAGE NOT CLOSING ON TIME If a home purchase doesn’t close on time because of the actions of the buyers or the mortgage company, the buyers could pay a hefty financial and emotional price. Regardless, if buyers miss a closing date, there are 2 basic options: Break the contract. Get the sellers to agree to an extension. The first option isn’t really much of anoption
DEDUCTIONS AND TAX WRITE-OFFS FOR REAL ESTATE AGENTS IN Auto-related expense deduction. Alternatively, if you would prefer not to take a per-mile deduction, you can take individual deductions for a portion of each auto-related expense. In this case, you are able to write off a portion of your gasoline, maintenance, cleaning, and repairs. 3. Marketing and advertising write-offs for real estateagents.
8 THANK YOU NOTE TEMPLATES FOR REAL ESTATE AGENTS As a real estate agent, thank you notes are a great way to show your appreciation, foster customer loyalty, and solicit referrals.But most agents? They just don’t have time to crank out a handwritten note for every client and vendor they come in contact with. Fortunately, in today’s world, a thank you email will usually suffice. 6 TIPS FOR BECOMING A SUCCESSFUL PART-TIME REAL ESTATE Becoming a real estate agent part-time is no simple feat. That said, it’s far from impossible. With a little hard work and due diligence, it’s possible to start to grow a successful real estate business between other commitments.. If you’re interested in following this career path, read on below — we have six tips for becoming an agentpart-time.
HOW TO CONVINCE AN FSBO TO LIST WITH YOU Take some time to create an FSBO fact sheet — something you can leave with sellers to remember you by. Fill it with tips, tricks, and guidance aimed at FSBO sellers (but don’t give away all your secrets!) and of course include your contact info on the bottom. You can also ask to add them to your FSBO email list for extra advice.CURRENT OPENINGS
It's time to work for #1. Embrace is SocialSurvey’s #1 Mortgage Company in Customer Satisfaction. On top of that, we’ve been recognized seven times as one of the Best Medium-Sized Companies to Work For in America, six times as one of America’s Fastest Growing Companies, and we get awarded Best Places to Work in Rhode Island yearafter
DECLARE YOUR INTENT TO PROCEED I/We have applied for a mortgage loan from Embrace Home Loans and having received a Loan Estimate, dated 10/10/2016.AUDLEY LEWIS
He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He’s faithful to his ministryand is
CHANGING REAL ESTATE AGENCIES? GOING TO A NEW AGENCY? 4 Nearly every agent will change brokerages at least once in their career. Whether it’s due to a move, a problem with how the last agency was operated, or just the need for a change of scenery, switching brokerages is often inevitable — but it shouldn’t mean a 5 COMMON REASONS HOUSE CONTRACTS FALL THROUGH Having a house contract in place is a big win — whether you’re buying the home or selling it.. But don’t celebrate too soon, because that contract is only the THE REPERCUSSIONS OF A MORTGAGE NOT CLOSING ON TIME If a home purchase doesn’t close on time because of the actions of the buyers or the mortgage company, the buyers could pay a hefty financial and emotional price. Regardless, if buyers miss a closing date, there are 2 basic options: Break the contract. Get the sellers to agree to an extension. The first option isn’t really much of anoption
DEDUCTIONS AND TAX WRITE-OFFS FOR REAL ESTATE AGENTS IN Auto-related expense deduction. Alternatively, if you would prefer not to take a per-mile deduction, you can take individual deductions for a portion of each auto-related expense. In this case, you are able to write off a portion of your gasoline, maintenance, cleaning, and repairs. 3. Marketing and advertising write-offs for real estateagents.
8 THANK YOU NOTE TEMPLATES FOR REAL ESTATE AGENTS As a real estate agent, thank you notes are a great way to show your appreciation, foster customer loyalty, and solicit referrals.But most agents? They just don’t have time to crank out a handwritten note for every client and vendor they come in contact with. Fortunately, in today’s world, a thank you email will usually suffice. 6 TIPS FOR BECOMING A SUCCESSFUL PART-TIME REAL ESTATE Becoming a real estate agent part-time is no simple feat. That said, it’s far from impossible. With a little hard work and due diligence, it’s possible to start to grow a successful real estate business between other commitments.. If you’re interested in following this career path, read on below — we have six tips for becoming an agentpart-time.
HOW TO CONVINCE AN FSBO TO LIST WITH YOU Take some time to create an FSBO fact sheet — something you can leave with sellers to remember you by. Fill it with tips, tricks, and guidance aimed at FSBO sellers (but don’t give away all your secrets!) and of course include your contact info on the bottom. You can also ask to add them to your FSBO email list for extra advice.CURRENT OPENINGS
It's time to work for #1. Embrace is SocialSurvey’s #1 Mortgage Company in Customer Satisfaction. On top of that, we’ve been recognized seven times as one of the Best Medium-Sized Companies to Work For in America, six times as one of America’s Fastest Growing Companies, and we get awarded Best Places to Work in Rhode Island yearafter
DEDUCTIONS AND TAX WRITE-OFFS FOR REAL ESTATE AGENTS IN Auto-related expense deduction. Alternatively, if you would prefer not to take a per-mile deduction, you can take individual deductions for a portion of each auto-related expense. In this case, you are able to write off a portion of your gasoline, maintenance, cleaning, and repairs. 3. Marketing and advertising write-offs for real estateagents.
6 TIPS FOR BECOMING A SUCCESSFUL PART-TIME REAL ESTATE Becoming a real estate agent part-time is no simple feat. That said, it’s far from impossible. With a little hard work and due diligence, it’s possible to start to grow a successful real estate business between other commitments.. If you’re interested in following this career path, read on below — we have six tips for becoming an agentpart-time.
5 COMMON REASONS HOUSE CONTRACTS FALL THROUGH Having a house contract in place is a big win — whether you’re buying the home or selling it.. But don’t celebrate too soon, because that contract is only the JASON COOK - MORTGAGE LOAN OFFICER IN OCEAN CITY, MD Currently, Jason lives in Berlin, Maryland, with his beautiful wife Dawn and his two sons Wyatt and Landon. Jason enjoys golfing, spending quality time with his family, being on the beach and craft brewing. 2020 - 2017 2020. Jason Cook, NMLS # 366127, is employed by Embrace Home Loans and is licensed in: DE, MD. BUYING A MULTIGENERATIONAL HOME? HERE‘S WHAT YOU SHOULD Look for a home that’s close to a local hospital or emergency room, and one that has quick access to emergency services and 911. An open layout – You don’t want anything winding or cramped. If your loved one needs a wheelchair, walker, or just has mobility problems, the more open the space is, the better. If your aging family member has 7 COMMON FEARS OF FIRST-TIME HOMEBUYERS (& HOW TO GET OVER 4. “I’m afraid I don’t have the credit score required to get a loan.”. Good credit is critical to getting the best interest rate on your loan. The higher your score, the better rates and terms you’ll get. The less risk to your lender, the better your chances of loan approval. Your credit score is aCHRIS HARDY
Chris Hardy has been in the mortgage banking industry for more than 15 years, bringing a wealth of knowledge and experience along with him. He has been recognized as a top producer at Embrace Home loans and earned a spot in the Presidents club since joining in 2012. Prior to becoming a part of the Embrace family, Chris spent most of his careerNICK SIGWALT
He enjoys working out, painting, and watching sports – his favorites being football, basketball, and baseball, all which he has experience playing in years past. Reach out to this go-getter to find the ideal loan product for your family’s needs. Nick Sigwalt, NMLS # 1708221, is employed by Embrace Home Loans and is licensed in: DC, MD, VA. HOW CAN LIFE INSURANCE HELP YOU BUY A HOUSE? A cash-value life insurance policy can also help with your down payment and closing costs. Homebuyers with permanent or whole life insurance can borrow against their policy and secure the amount needed for a down payment, closing costs or any other up-front fee the home purchase might come with. As an added bonus, a higher down payment canmean
CURRENT OPENINGS
It's time to work for #1. Embrace is SocialSurvey’s #1 Mortgage Company in Customer Satisfaction. On top of that, we’ve been recognized seven times as one of the Best Medium-Sized Companies to Work For in America, six times as one of America’s Fastest Growing Companies, and we get awarded Best Places to Work in Rhode Island yearafter
DECLARE YOUR INTENT TO PROCEED I/We have applied for a mortgage loan from Embrace Home Loans and having received a Loan Estimate, dated 10/10/2016.AUDLEY LEWIS
He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He’s faithful to his ministryand is
CHANGING REAL ESTATE AGENCIES? GOING TO A NEW AGENCY? 4 Nearly every agent will change brokerages at least once in their career. Whether it’s due to a move, a problem with how the last agency was operated, or just the need for a change of scenery, switching brokerages is often inevitable — but it shouldn’t mean a THE REPERCUSSIONS OF A MORTGAGE NOT CLOSING ON TIME If a home purchase doesn’t close on time because of the actions of the buyers or the mortgage company, the buyers could pay a hefty financial and emotional price. Regardless, if buyers miss a closing date, there are 2 basic options: Break the contract. Get the sellers to agree to an extension. The first option isn’t really much of anoption
DEDUCTIONS AND TAX WRITE-OFFS FOR REAL ESTATE AGENTS IN Auto-related expense deduction. Alternatively, if you would prefer not to take a per-mile deduction, you can take individual deductions for a portion of each auto-related expense. In this case, you are able to write off a portion of your gasoline, maintenance, cleaning, and repairs. 3. Marketing and advertising write-offs for real estateagents.
WAYNE PALKOVIC
West Virginia - Martinsburg 25401. 300 Foxcroft Avenue, Suite 305. Martinsburg, WV, 25401. 855-612-9398 8 THANK YOU NOTE TEMPLATES FOR REAL ESTATE AGENTS As a real estate agent, thank you notes are a great way to show your appreciation, foster customer loyalty, and solicit referrals.But most agents? They just don’t have time to crank out a handwritten note for every client and vendor they come in contact with. Fortunately, in today’s world, a thank you email will usually suffice. HOW TO CONVINCE AN FSBO TO LIST WITH YOU Take some time to create an FSBO fact sheet — something you can leave with sellers to remember you by. Fill it with tips, tricks, and guidance aimed at FSBO sellers (but don’t give away all your secrets!) and of course include your contact info on the bottom. You can also ask to add them to your FSBO email list for extra advice. 6 TIPS FOR BECOMING A SUCCESSFUL PART-TIME REAL ESTATE Becoming a real estate agent part-time is no simple feat. That said, it’s far from impossible. With a little hard work and due diligence, it’s possible to start to grow a successful real estate business between other commitments.. If you’re interested in following this career path, read on below — we have six tips for becoming an agentpart-time.
CURRENT OPENINGS
It's time to work for #1. Embrace is SocialSurvey’s #1 Mortgage Company in Customer Satisfaction. On top of that, we’ve been recognized seven times as one of the Best Medium-Sized Companies to Work For in America, six times as one of America’s Fastest Growing Companies, and we get awarded Best Places to Work in Rhode Island yearafter
DECLARE YOUR INTENT TO PROCEED I/We have applied for a mortgage loan from Embrace Home Loans and having received a Loan Estimate, dated 10/10/2016.AUDLEY LEWIS
He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He’s faithful to his ministryand is
CHANGING REAL ESTATE AGENCIES? GOING TO A NEW AGENCY? 4 Nearly every agent will change brokerages at least once in their career. Whether it’s due to a move, a problem with how the last agency was operated, or just the need for a change of scenery, switching brokerages is often inevitable — but it shouldn’t mean a THE REPERCUSSIONS OF A MORTGAGE NOT CLOSING ON TIME If a home purchase doesn’t close on time because of the actions of the buyers or the mortgage company, the buyers could pay a hefty financial and emotional price. Regardless, if buyers miss a closing date, there are 2 basic options: Break the contract. Get the sellers to agree to an extension. The first option isn’t really much of anoption
DEDUCTIONS AND TAX WRITE-OFFS FOR REAL ESTATE AGENTS IN Auto-related expense deduction. Alternatively, if you would prefer not to take a per-mile deduction, you can take individual deductions for a portion of each auto-related expense. In this case, you are able to write off a portion of your gasoline, maintenance, cleaning, and repairs. 3. Marketing and advertising write-offs for real estateagents.
WAYNE PALKOVIC
West Virginia - Martinsburg 25401. 300 Foxcroft Avenue, Suite 305. Martinsburg, WV, 25401. 855-612-9398 8 THANK YOU NOTE TEMPLATES FOR REAL ESTATE AGENTS As a real estate agent, thank you notes are a great way to show your appreciation, foster customer loyalty, and solicit referrals.But most agents? They just don’t have time to crank out a handwritten note for every client and vendor they come in contact with. Fortunately, in today’s world, a thank you email will usually suffice. HOW TO CONVINCE AN FSBO TO LIST WITH YOU Take some time to create an FSBO fact sheet — something you can leave with sellers to remember you by. Fill it with tips, tricks, and guidance aimed at FSBO sellers (but don’t give away all your secrets!) and of course include your contact info on the bottom. You can also ask to add them to your FSBO email list for extra advice. 6 TIPS FOR BECOMING A SUCCESSFUL PART-TIME REAL ESTATE Becoming a real estate agent part-time is no simple feat. That said, it’s far from impossible. With a little hard work and due diligence, it’s possible to start to grow a successful real estate business between other commitments.. If you’re interested in following this career path, read on below — we have six tips for becoming an agentpart-time.
CURRENT OPENINGS
Embrace is SocialSurvey’s #1 Mortgage Company in Customer Satisfaction. On top of that, we’ve been recognized seven times as one of the Best Medium-Sized Companies to Work For in America, six times as one of America’s Fastest Growing Companies, and we get awarded Best Places to Work in Rhode Island year after year. DEDUCTIONS AND TAX WRITE-OFFS FOR REAL ESTATE AGENTS IN Auto-related expense deduction. Alternatively, if you would prefer not to take a per-mile deduction, you can take individual deductions for a portion of each auto-related expense. In this case, you are able to write off a portion of your gasoline, maintenance, cleaning, and repairs. 3. Marketing and advertising write-offs for real estateagents.
5 COMMON REASONS HOUSE CONTRACTS FALL THROUGH Having a house contract in place is a big win — whether you’re buying the home or selling it.. But don’t celebrate too soon, because that contract is only the 6 TIPS FOR BECOMING A SUCCESSFUL PART-TIME REAL ESTATE Becoming a real estate agent part-time is no simple feat. That said, it’s far from impossible. With a little hard work and due diligence, it’s possible to start to grow a successful real estate business between other commitments.. If you’re interested in following this career path, read on below — we have six tips for becoming an agentpart-time.
BUYING A MULTIGENERATIONAL HOME? HERE‘S WHAT YOU SHOULD Look for a home that’s close to a local hospital or emergency room, and one that has quick access to emergency services and 911. An open layout – You don’t want anything winding or cramped. If your loved one needs a wheelchair, walker, or just has mobility problems, the more open the space is, the better. If your aging family member has JASON COOK - MORTGAGE LOAN OFFICER IN OCEAN CITY, MD Currently, Jason lives in Berlin, Maryland, with his beautiful wife Dawn and his two sons Wyatt and Landon. Jason enjoys golfing, spending quality time with his family, being on the beach and craft brewing. 2020 - 2017 2020. Jason Cook, NMLS # 366127, is employed by Embrace Home Loans and is licensed in: DE, MD. 7 COMMON FEARS OF FIRST-TIME HOMEBUYERS (& HOW TO GET OVER 4. “I’m afraid I don’t have the credit score required to get a loan.”. Good credit is critical to getting the best interest rate on your loan. The higher your score, the better rates and terms you’ll get. The less risk to your lender, the better your chances of loan approval. Your credit score is aNICK SIGWALT
He enjoys working out, painting, and watching sports – his favorites being football, basketball, and baseball, all which he has experience playing in years past. Reach out to this go-getter to find the ideal loan product for your family’s needs. Nick Sigwalt, NMLS # 1708221, is employed by Embrace Home Loans and is licensed in: DC, MD, VA. HOME LOANS | OCEAN CITY, MARYLAND | EMBRACE HOME LOANS Maryland - Ocean City 21842 8008 Coastal Highway, Suite 2. Ocean City, MD 21842. 443.664.9000 HOW CAN LIFE INSURANCE HELP YOU BUY A HOUSE? A cash-value life insurance policy can also help with your down payment and closing costs. Homebuyers with permanent or whole life insurance can borrow against their policy and secure the amount needed for a down payment, closing costs or any other up-front fee the home purchase might come with. As an added bonus, a higher down payment canmean
ONLINE HOME LOANS
An FHA Limited 203 (k) mortgage lets you borrow up to $50,000 in additional financing to help pay for projects designed to remodel and repair single-family properties. With a Fannie Mae HomeStyle renovation loan, you can get funds for a wide range of renovation projects, from repairs and energy updates to landscaping and luxuryupgrades.
CUSTOMER CENTER
As of March 2, 2020, all existing customers serviced by RoundPoint (on behalf of Embrace Loan Servicing) will be transferred to Rushmore. No need to worry, though — you are still an Embrace customer and Rushmore is just one of our trusted partners. CALL US! 800-333-3004. DECLARE YOUR INTENT TO PROCEED I/We have applied for a mortgage loan from Embrace Home Loans and having received a Loan Estimate, dated 10/10/2016.AUDLEY LEWIS
He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He’s faithful to his ministryand is
5 COMMON REASONS HOUSE CONTRACTS FALL THROUGH Having a house contract in place is a big win — whether you’re buying the home or selling it.. But don’t celebrate too soon, because that contract is only the THE REPERCUSSIONS OF A MORTGAGE NOT CLOSING ON TIME If a home purchase doesn’t close on time because of the actions of the buyers or the mortgage company, the buyers could pay a hefty financial and emotional price. Regardless, if buyers miss a closing date, there are 2 basic options: Break the contract. Get the sellers to agree to an extension. The first option isn’t really much of anoption
DEDUCTIONS AND TAX WRITE-OFFS FOR REAL ESTATE AGENTS IN Auto-related expense deduction. Alternatively, if you would prefer not to take a per-mile deduction, you can take individual deductions for a portion of each auto-related expense. In this case, you are able to write off a portion of your gasoline, maintenance, cleaning, and repairs. 3. Marketing and advertising write-offs for real estateagents.
HOW TO CONVINCE AN FSBO TO LIST WITH YOU Take some time to create an FSBO fact sheet — something you can leave with sellers to remember you by. Fill it with tips, tricks, and guidance aimed at FSBO sellers (but don’t give away all your secrets!) and of course include your contact info on the bottom. You can also ask to add them to your FSBO email list for extra advice. CHANGING REAL ESTATE AGENCIES? GOING TO A NEW AGENCY? 4 Nearly every agent will change brokerages at least once in their career. Whether it’s due to a move, a problem with how the last agency was operated, or just the need for a change of scenery, switching brokerages is often inevitable — but it shouldn’t mean aWAYNE PALKOVIC
West Virginia - Martinsburg 25401. 300 Foxcroft Avenue, Suite 305. Martinsburg, WV, 25401. 855-612-9398ONLINE HOME LOANS
An FHA Limited 203 (k) mortgage lets you borrow up to $50,000 in additional financing to help pay for projects designed to remodel and repair single-family properties. With a Fannie Mae HomeStyle renovation loan, you can get funds for a wide range of renovation projects, from repairs and energy updates to landscaping and luxuryupgrades.
CUSTOMER CENTER
As of March 2, 2020, all existing customers serviced by RoundPoint (on behalf of Embrace Loan Servicing) will be transferred to Rushmore. No need to worry, though — you are still an Embrace customer and Rushmore is just one of our trusted partners. CALL US! 800-333-3004. DECLARE YOUR INTENT TO PROCEED I/We have applied for a mortgage loan from Embrace Home Loans and having received a Loan Estimate, dated 10/10/2016.AUDLEY LEWIS
He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He’s faithful to his ministryand is
5 COMMON REASONS HOUSE CONTRACTS FALL THROUGH Having a house contract in place is a big win — whether you’re buying the home or selling it.. But don’t celebrate too soon, because that contract is only the THE REPERCUSSIONS OF A MORTGAGE NOT CLOSING ON TIME If a home purchase doesn’t close on time because of the actions of the buyers or the mortgage company, the buyers could pay a hefty financial and emotional price. Regardless, if buyers miss a closing date, there are 2 basic options: Break the contract. Get the sellers to agree to an extension. The first option isn’t really much of anoption
DEDUCTIONS AND TAX WRITE-OFFS FOR REAL ESTATE AGENTS IN Auto-related expense deduction. Alternatively, if you would prefer not to take a per-mile deduction, you can take individual deductions for a portion of each auto-related expense. In this case, you are able to write off a portion of your gasoline, maintenance, cleaning, and repairs. 3. Marketing and advertising write-offs for real estateagents.
HOW TO CONVINCE AN FSBO TO LIST WITH YOU Take some time to create an FSBO fact sheet — something you can leave with sellers to remember you by. Fill it with tips, tricks, and guidance aimed at FSBO sellers (but don’t give away all your secrets!) and of course include your contact info on the bottom. You can also ask to add them to your FSBO email list for extra advice. CHANGING REAL ESTATE AGENCIES? GOING TO A NEW AGENCY? 4 Nearly every agent will change brokerages at least once in their career. Whether it’s due to a move, a problem with how the last agency was operated, or just the need for a change of scenery, switching brokerages is often inevitable — but it shouldn’t mean aWAYNE PALKOVIC
West Virginia - Martinsburg 25401. 300 Foxcroft Avenue, Suite 305. Martinsburg, WV, 25401. 855-612-9398ONLINE APPLICATION
For your security, please retype the characters from the image below: UNCONVENTIONAL LOANS That’s why we introduced Beyond by Embrace, a program offering purchase and refinance loan options designed for borrowers with circumstances that may otherwise prevent them from securing financing with a more traditional lender. If you’ve tried to get a mortgage while self-employed, you’re well aware of the related challengeswhen your
CURRENT OPENINGS
It's time to work for #1. Embrace is SocialSurvey’s #1 Mortgage Company in Customer Satisfaction. On top of that, we’ve been recognized seven times as one of the Best Medium-Sized Companies to Work For in America, six times as one of America’s Fastest Growing Companies, and we get awarded Best Places to Work in Rhode Island yearafter
5 COMMON REASONS HOUSE CONTRACTS FALL THROUGH Having a house contract in place is a big win — whether you’re buying the home or selling it.. But don’t celebrate too soon, because that contract is only the 6 TIPS FOR BECOMING A SUCCESSFUL PART-TIME REAL ESTATE Becoming a real estate agent part-time is no simple feat. That said, it’s far from impossible. With a little hard work and due diligence, it’s possible to start to grow a successful real estate business between other commitments.. If you’re interested in following this career path, read on below — we have six tips for becoming an agentpart-time.
WHAT TO DO IF YOU OWN A HOUSE AND GET MARRIED? What about your other assets when you get married? Are there other properties or accounts you have on your own? Do you want to protect your money, inheritance, or real estate in case you split up?Then you may want to consider getting a prenuptial agreement before you getmarried.
8 THANK YOU NOTE TEMPLATES FOR REAL ESTATE AGENTS As a real estate agent, thank you notes are a great way to show your appreciation, foster customer loyalty, and solicit referrals.But most agents? They just don’t have time to crank out a handwritten note for every client and vendor they come in contact with. Fortunately, in today’s world, a thank you email will usually suffice.BRIAN WOLTMAN
New Jersey - Basking Ridge 07920. 180 Mt. Airy Road, Suite 104. Basking Ridge, NJ 07920. 855-612-9398 “DEAR SELLER” LETTERS TO POTENTIAL SELLERS THAT WIN IN A The personal “dear seller” letter aims to change that. A simple, direct letter attached to an offer, it gives the buyer a chance to tell their story, declare their love for the property, and convince a seller that they’re the right choice to buy the home. Think of them like a cover letter — an extra attachment to ensure your buyer’sAMY CLATTERBAUGH
Amy is hardworking loan officer/customer service superstar and loves helping her clients make the most important purchase of their lifetime. She’s a Huddleston, Virginia native and her knowledge of Bedford County is a true asset for homebuyers looking to purchase in the area. Amy lives on Smith Mountain Lake with her daughter, Lily, ina
ONLINE HOME LOANS
An FHA Limited 203 (k) mortgage lets you borrow up to $50,000 in additional financing to help pay for projects designed to remodel and repair single-family properties. With a Fannie Mae HomeStyle renovation loan, you can get funds for a wide range of renovation projects, from repairs and energy updates to landscaping and luxuryupgrades.
CUSTOMER CENTER
As of March 2, 2020, all existing customers serviced by RoundPoint (on behalf of Embrace Loan Servicing) will be transferred to Rushmore. No need to worry, though — you are still an Embrace customer and Rushmore is just one of our trusted partners. CALL US! 800-333-3004.ONLINE APPLICATION
For your security, please retype the characters from the image below: DECLARE YOUR INTENT TO PROCEED I/We have applied for a mortgage loan from Embrace Home Loans and having received a Loan Estimate, dated 10/10/2016.AUDLEY LEWIS
He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He’s faithful to his ministryand is
TRACY PUTMAN
About Tracy. Tracy Putman is a Senior Loan Officer in our Frederick, MD office. Having spent more than 16 years in the mortgage industry, Tracy has the expertise and knowledge to guide you through the mortgage process one step at a time. HOW TO CONVINCE AN FSBO TO LIST WITH YOU Take some time to create an FSBO fact sheet — something you can leave with sellers to remember you by. Fill it with tips, tricks, and guidance aimed at FSBO sellers (but don’t give away all your secrets!) and of course include your contact info on the bottom. You can also ask to add them to your FSBO email list for extra advice. THE REPERCUSSIONS OF A MORTGAGE NOT CLOSING ON TIME If a home purchase doesn’t close on time because of the actions of the buyers or the mortgage company, the buyers could pay a hefty financial and emotional price. Regardless, if buyers miss a closing date, there are 2 basic options: Break the contract. Get the sellers to agree to an extension. The first option isn’t really much of anoption
8 THANK YOU NOTE TEMPLATES FOR REAL ESTATE AGENTS As a real estate agent, thank you notes are a great way to show your appreciation, foster customer loyalty, and solicit referrals.But most agents? They just don’t have time to crank out a handwritten note for every client and vendor they come in contact with. Fortunately, in today’s world, a thank you email will usually suffice. CHANGING REAL ESTATE AGENCIES? GOING TO A NEW AGENCY? 4 Nearly every agent will change brokerages at least once in their career. Whether it’s due to a move, a problem with how the last agency was operated, or just the need for a change of scenery, switching brokerages is often inevitable — but it shouldn’t mean aONLINE HOME LOANS
An FHA Limited 203 (k) mortgage lets you borrow up to $50,000 in additional financing to help pay for projects designed to remodel and repair single-family properties. With a Fannie Mae HomeStyle renovation loan, you can get funds for a wide range of renovation projects, from repairs and energy updates to landscaping and luxuryupgrades.
CUSTOMER CENTER
As of March 2, 2020, all existing customers serviced by RoundPoint (on behalf of Embrace Loan Servicing) will be transferred to Rushmore. No need to worry, though — you are still an Embrace customer and Rushmore is just one of our trusted partners. CALL US! 800-333-3004.ONLINE APPLICATION
For your security, please retype the characters from the image below: DECLARE YOUR INTENT TO PROCEED I/We have applied for a mortgage loan from Embrace Home Loans and having received a Loan Estimate, dated 10/10/2016.AUDLEY LEWIS
He was named Loan Officer of the Year in 2016. Audley is a 20-year resident of Hampton Roads, and currently lives in Newport News, Virginia with his wife of over 30 years, Vicky, and their son Ethan, the youngest of their five children. He’s faithful to his ministryand is
TRACY PUTMAN
About Tracy. Tracy Putman is a Senior Loan Officer in our Frederick, MD office. Having spent more than 16 years in the mortgage industry, Tracy has the expertise and knowledge to guide you through the mortgage process one step at a time. HOW TO CONVINCE AN FSBO TO LIST WITH YOU Take some time to create an FSBO fact sheet — something you can leave with sellers to remember you by. Fill it with tips, tricks, and guidance aimed at FSBO sellers (but don’t give away all your secrets!) and of course include your contact info on the bottom. You can also ask to add them to your FSBO email list for extra advice. THE REPERCUSSIONS OF A MORTGAGE NOT CLOSING ON TIME If a home purchase doesn’t close on time because of the actions of the buyers or the mortgage company, the buyers could pay a hefty financial and emotional price. Regardless, if buyers miss a closing date, there are 2 basic options: Break the contract. Get the sellers to agree to an extension. The first option isn’t really much of anoption
8 THANK YOU NOTE TEMPLATES FOR REAL ESTATE AGENTS As a real estate agent, thank you notes are a great way to show your appreciation, foster customer loyalty, and solicit referrals.But most agents? They just don’t have time to crank out a handwritten note for every client and vendor they come in contact with. Fortunately, in today’s world, a thank you email will usually suffice. CHANGING REAL ESTATE AGENCIES? GOING TO A NEW AGENCY? 4 Nearly every agent will change brokerages at least once in their career. Whether it’s due to a move, a problem with how the last agency was operated, or just the need for a change of scenery, switching brokerages is often inevitable — but it shouldn’t mean aCUSTOMER CENTER
As of March 2, 2020, all existing customers serviced by RoundPoint (on behalf of Embrace Loan Servicing) will be transferred to Rushmore. No need to worry, though — you are still an Embrace customer and Rushmore is just one of our trusted partners. CALL US! 800-333-3004.ONLINE APPLICATION
For your security, please retype the characters from the image below: 7 COMMON FEARS OF FIRST-TIME HOMEBUYERS (& HOW TO GET OVER 4. “I’m afraid I don’t have the credit score required to get a loan.”. Good credit is critical to getting the best interest rate on your loan. The higher your score, the better rates and terms you’ll get. The less risk to your lender, the better your chances of loan approval. Your credit score is aKARLA MELGAR
Whether you’re looking to buy or refinance, I have the experience and resources to help make your dreams a reality. Contact me today and we’ll work together to find a solution that puts you on the path toward a better financial future. 2019, 2018 2020. Karla Melgar, NMLS # 186602, is employed by Embrace Home Loans and is licensed in: DE, MD 5 THANK YOU NOTE TEMPLATES FOR LOAN OFFICERS If you or one of your friends or family members are ever looking to buy, sell, or refinance your home, I sincerely hope you’ll reach out to me. Here to help, 5. For colleagues who referred business your way. Good afternoon, , I wanted to take this opportunity to thank you for sending [client’sfull name
MARVIN CALDER
He loves to try different foods, listen to music, and go sightseeing in those regions of the world. His idea of the perfect day would be to close a loan or two, then network with new clients over dinner and drinks. Marvin Calder, NMLS # 1094002, is employed by Embrace Home Loans and is licensed in: DC, MD, VA.STEPHEN THAGGARD
Stephen is also a member of FAMP – Florida Association of Mortgage Professionals and MBA – Mortgage Bankers Association. Currently he lives in Merritt Island, FL with his wife Karen Thaggard and their 3 children Blake, Brandi and Logan. His oldest son, Ryan, lives in Sarasota, FL. Stephen was born in Jacksonville, FL and raised inVirginia
HOW CAN LIFE INSURANCE HELP YOU BUY A HOUSE? A cash-value life insurance policy can also help with your down payment and closing costs. Homebuyers with permanent or whole life insurance can borrow against their policy and secure the amount needed for a down payment, closing costs or any other up-front fee the home purchase might come with. As an added bonus, a higher down payment canmean
ANGELA LEVESQUE
Angela graduated from the University of Connecticut with a minor in Real Estate Finance. She grew up in Cape Elizabeth and now lives in Scarborough with her husband and two daughters. Angela Levesque, NMLS # 201293, is employed by Embrace Home Loans and is licensed in: FL,ME, NH.
BRIAN WOLTMAN
New Jersey - Basking Ridge 07920. 180 Mt. Airy Road, Suite 104. Basking Ridge, NJ 07920. 855-612-9398888-907-6261
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AT EMBRACE HOME LOANS, FINDING A MORTGAGE DESIGNED JUST FOR YOU IS PRECISELY WHAT WE DO. IN FACT, IT'S ALL WE DO. If you're looking to purchase a new home, refinance an existing mortgage or consolidate high-interest debt... look no further than Embrace. It's what we've done for tens of thousands of customers during our over 30 years in the business, and it's what we believe makes us one of the fastest growing lenders in the nation. So, you can count on Embrace Home Loans to exhaust all options to get you theright loan...fast.
_ 30 YEAR FIXED-RATE MORTGAGE Example: The payment on a $225,000 30 year fixed-rate purchase loan at 3.49% with a 70% loan-to-value (LTV) is $1,009.10 with 2 points due at closing. The Annual Percentage Rate (APR) is 3.733%. This assumes a FICO score greater than 700. Payment does not include taxes and insurance premiums, which will result in a higher monthly payment. Interest rates and annual percentage rates (APRs) are based on current market rates and are subject to change without notice. Rates offered may be subject to pricing add-ons related to property type, loan amount, LTV, credit score and other variables. Mortgage insurance may be required for LTV >80%. If mortgage insurance is required, the mortgage insurance may increase the APR and the monthly payment. Stated rate may change or not be available at the time of loan commitment or lock-in. _ “Embrace was wonderful to work with. They were attentive to our needs and questions throughout the process!” - Jean G, FloridaPurchase
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