Building Wealth Magazine

There are 220 million people in America eligible for credit, however credit card companies sent out over 6 BILLION offers last year.  Besides the obvious waste of paper, these offers create a real risk of Identity Theft. 

Should you ever need to take out new credit you are much more likely to get great credit card deals at sites like BankRate.com so there is no need for these offers to clog your mailbox.

If you would like to reduce the number of pre-screened credit and insurance offers you are receiving, visit www.optoutprescreen.com or call 1-888-5OptOut (1-888-567-8688) to opt-out of these offers. This is a free service to consumers offered by the major credit bureaus.

Through this website, you may request to:

• Opt-Out from receiving Firm Offers for Five Years - (electronically).
• Opt-Out from receiving Firm Offers permanently - (mail).
• Opt-In and be eligible to receive Firm Offers. This option is for consumers who have previously completed an Opt-Out request - (electronically).

Other consumers who wish to decrease the amount of unsolicited telemarketing calls they receive should register with the Federal Trade Commission’s National Do Not Call Registry at: www.donotcall.gov or by phone 1-888-382-1222.
Lee Williams

Choosing the Right Real Estate Agent

Choosing the right person to represent you in negotiating your home purchase is a major decision. Whenever you see the designation of REALTOR® (with a registered trademark) you can rest assured that person is a member of the NATIONAL ASSOCIATION OF REALTORS® (NAR), and has a commitment to meeting the standards of the organization. My team and I have a network of professionals that have done a great job for our clients in the past, and we can provide you with a referral to a qualified representative, and pre-approval to shop as a cash buyer.

How will you know which REALTOR® is right for you?

Seek to work with an experienced Real Estate professional that works with buyers on a regular basis. A real pro will go the extra mile to show you that they will look out for your best interest and gain your respect. Sincerity is a key word here. This type of Real Estate Agent

will act promptly to get you information about their team and their methods of doing business, along with quotes and references from past clients.

Once you set an appointment to meet with a Real Estate Agent and his/her team, they should be rolling out the red carpet for you. You should have a personal introduction to each person you are expected to have contact with throughout the buying process. They should go out of their way to establish a long-term relationship with you, rather than thinking of you as a one-time transaction.

An experienced buyer’s representative will ask many questions regarding your goals rather than tell you what they think you want to hear. He/she will also take your finances into consideration so that they can help you make the purchase you qualify for. They will seek to exceed your expectations in every way by having a system in place that provides complete customer satisfaction

.

What can an experienced REALTOR® do for you?

An experienced professional will have access to the computerized Multiple Listing Service

(MLS), which changes daily. He or she can provide you with new listings to consider as they become available, and will also include important demographics and market value information on the area you are seeking to buy a home. This person will serve as a strong negotiator on your behalf and provide guidance every step of the way. In the long run, using a trained professional will save you time and money. It is important to let your Real Estate Agent know what your goals are so he/she can eliminate the listings that do not meet your criteria.

Likewise, it is equally important to let my team know what your goals are so we can provide you with financing that fits your current and long-term goals. Our job is not just to close a loan for you, but to help you build a strong financial future by assisting you with managing that debt in the future. We use an extensive database system that allows us to run reports and determine when refinancing is appropriate and beneficial.

 

 

We work with Realtors® Nationwide. Contact us for one we trust near you. www.GGGLoans.com