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Here's a neat idea for your Christmas Morning! Why should we do all the work?

 Weekly Tip -  Start some new traditions with your family this Christmas morning!!
 

jinglealltheway

Jingle All the Way (Family Fun Edition) (1996)
Starring: Arnold Schwarzenegger, Sinbad Director: Brian Levant Rating PG
 
 

I felt like Arnold Schwarzenegger in the hilarious comedy, "Jingle All the Way" that you have got to see.  In the movie, Arnold only had one present to buy but he kept putting it off and it was the "one" toy that everyone wanted.  He and Sinbad both fought for the "one" available toy so their kid would get it for Christmas that turned Arnold into a "hero" with his family unlike what you would ever expect.  If you haven't seen it, please rent this DVD and watch it over the holidays and I am sure it will become a new tradition in your home.

My task was to get the new Wii interactive computer game for Christmas and I have been looking for 2 weeks.  Well, last Tuesday morning, I waiting in line in the electronics dept in our Super Wal-Mart in Laurinburg for an hour because this when UPS "might" deliver some, we were told.  I got there early and was the 3rd in line and as we waited, the line grew and grew until around 30 people were anxiously waiting to see if today was the day.  Some drove in from other towns we learned while standing around watching the clerks go about their work. The lady at the head of the line was there an hour before me and she had waited at the K-Mart in Fayetteville for over 8 hours only to be too far in that line to receive the Wii when their shipment arrived a few days before.

It was my lucky day because around 15 Wii's came in!!

Now my kids are going to flip because they are old enough to know that it's not Santa and that the Wii's are impossible to get. 

Here's my idea for extending the fun at Christmas this year past the usual 10 minutes of madness with the opening of presents that I wanted to share with you so it might become a tradition at your home too!   

Like the many movies out like "National Treasure" and its sequel coming out any day and the "Da Vinci Code" and the "Amazing Race" television show, I thought I would put out clues for the kids to find the "BIG" surprise after "they thought" the fun was over.  I did this one year for one of my son's birthday parties and it was a blast.  For that one, I had a series of separate clues for 2 teams to solve which brought both teams together at the final destination.  It only took 10 minutes but was the most fun of the whole party.

 

To help you with this idea, here are several clues that you can use to do this with your family or you can think of them on your own:

 
1. The longer you stand, the shorter you glow. - Candle 
 
2. Thirty white horses upon a red hill, Now they tramp, now they chomp, now they stand still. With this, they'll stay bright and shiny. - Toothpaste

3. Round with a ribbon, Santa on my side, surrounded with beautiful lights and hung with care.  -  Christmas ornament with a Santa scene.

4. News, weather, sports, comedies, movies, what else can these buttons bring us?  TV remote control
 
5. Cold and dark for now but when the door opens, I'll be bright and warm and if there is toast, I might really get hot!  Butter in the refrigerator.

6. You can always find money when they look for it in here? The tabbing makes the searching fast and easy too.  I am an American classic - American Heritage Dictionary

7. Formed long ago, not made yet today, employed while others sleep - Bed

8. From this vantage point, the room looks messy yet this tree makes the room look and smell wonderful.  How many more days until I'll be put away for another year?  Angel on the top of the Christmas Tree.

9. Dry or cool, I keep you, in a can you keep me. - umbrella in metal umbrella holder.

10. I get wetter as you get drier but in a few days, I'll get all clean and fluffy again! - A towel
 
11. What a cute family we make on this pier.  What a beautiful summer day all framed up.  - Family picture.  You can look around for a picture that you can write about too then tape the clue to the back.

12. Poke your fingers in my eyes and I open wide my jaws.  Cloth or paper, I am hungry to devour them all? - Scissors

13. This ball will not move!  Maybe if we both weren't so bronzed.  Oh well, at least we look good and we are such an accomplishment!  - Soccer trophy of a girl kicking a ball.

14. These are always dirty.  Why don't they throw clean things in me!  Dirty clothes hamper, where I am going to hide the Wii!
 
Just come up with your own for your house and print them on a small piece of paper and fold it up and write "Clue #1 to the Big Surprise!", etc. and position them behind or under the appropriate thing that the previous clue described.  Make sure you test out the process to make sure it is right and hide your gift in the last clue.  I will hide the first clue in the tree in an envelope that has a note about the final gift must be located with a series of clues and I'll tell them that there is an envelope hiding in the tree that they missed to get them started!
 
 
Another neat idea would be to include this clue!!
 

Matthew 1:18-25          - this makes them read the Christmas Story so they don't forget the reason

                                    for the celebration and then put your next clue on the Jesus in your nativity

                                    scene, etc.

 

And if you have older kids, you can put a dollar bill in the dictionary under the word "money" from the tip above with a note that the bill may hold more clues.  Then add this paper as another clue after they find the money as your final clue.  (Fix your sequence to match your serial number sequence first.)  Mine was A86173489B so here's the note I am including...

Using the sequence between A & B complete each row with the corresponding letter.

 
J  S  F  R  Y  P  W  D  L

T  A  E  B  Q  C  F  X  N

H  M  J  E  Z  A  U  I  P

E  S  X  B  F  H  A  P  R 

L  G  M  S  T  O  D  W  N

W  R  B  P  I  C  H  S  A

Y  D  N  A  J  O  U  E  B

M  N  W  L  S  A  D  G  R

_. _. / _ _ _ _ _ _

They'll count across to the 8th letter on the first row which is "D" and then repeat for each space with the following rows, etc. with the appropriate letter from the serial number on the bill.

If they get it right, it will say D. C./HAMPER and then they'll have to noddle a bit to think of dirty clothes hamper.

 
Have fun with this idea and
Merry Christmas!
 
Please let me know if you tried this!
 

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

3 commentsSam Thompson • December 20 2007 07:37PM

Are your buyers coming to you pre-approved?

How many buyers come to you pre-approved?
 

nevergiveup
I'll Never Give Up!
 
In this business, we hear a lot of realtors say "all of my buyers are already pre-approved when I get them".  Experienced Mortgage Advisors know that comment defies the law of averages and that you are mostly just saying that to keep from hurting our feelings because you may be sending your buyers to other lenders out of habit or to the last mortgage advisor that came by your office.  We know this because the national average is only about 30% of the buyers call a lender before calling a Realtor to roughly 2/3's have not spoken to a lender first.
 
Another thing that may have happened is that many of your pre-approved buyers have talked to another realtor first, who sent them to a lender and THEN they found you.  In this case, that could explain the unnatural statistics.  But in this case, you should be worried because it can mean that they are shopping realtors.
 
In mortgage sales, we can't get offended by this the same way that you cannot get offended when people you know that just bought a house or listed one without calling you to help them.  It's just business and you have to be happy to get what you can and hope for the best. 
 
But be honest, it hurts when your friends don't call you doesn't it?  It hurts me too because you are my friend.  Mainly because I know that the ones getting the referrals are not doing anything more than I do and maybe a whole lot less. 
 
I walk in some of my weekly visited offices with 10 or more, sometimes 50 sales on the board for the month and most of the time, I don't have any mortgages for any of them.  That really hurts and sometimes I consider giving up and trying my hand at selling cars or something that I can control better myself because I would be directly involved with the customer.
 
I hope you see that I am trying really hard to win your business by taking your calls day, night and weekends, providing mortgage, market and motivational information and the best rates and service that I possibly can.  If I am not doing enough for your business, please call me and tell me what else I can do and I'll do it! 
 
I know you don't want to upset the applecart when a buyer says he has his money covered but think about it this way.  I can probably get them a better deal and with me, you know the processing is going to be smooth and easy. 
 
So, all I ask for you to do is to say something like this,
 
"That's great that you have already got a pre-approval letter because most people I work with don't know to do this.  But I feel l would be doing you a disservice it I did not mention this to you.  We have a super mortgage guy that I would be very surprised if he couldn't get you a better deal and since I have worked with him and his company, as has most everyone else in my office and we all know that they are very good at working through the conditions and closing our loans smooth and easy.  I really would like for you to talk to Sam too, can I have him give you a quick pre-approval call?" 
 
This one question gives me a shot and that is all I would ever ask of you.  By challenging them on their lending source, you and they will be much happier when this closes than they would have been, I promise!!
 
For the buyers that may be shopping realtors, keep in mind that I do everything I can to promote the realtors that refer borrowers to me because I know how important the 3rd-party referrals are to your business too.
 
I am going to keep trying everything I can to win your business to the best of my abilities and try to improve what I do every chance I can and hopefully one day, you will refer a client to me.  I have a family to support and they depend on me the same as your family depends on you and I owe that to them.
 
Thanks for your business and support in advance! 
 
I WILL NEVER GIVE UP ON YOU!!
.
And I hope you never give up on me either!
 
Call me and lets help each other!!  And if you are not in my primary market, that's okay.  I have done loans for folks all across the country and would love to help you too!
 
 
This is my Christmas Wish
this year!
 

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

0 commentsSam Thompson • December 20 2007 07:35PM

Our Christmas Holiday Hours - We are open for you!

We are open during the holidays to serve you for most days as follows.  
 
 
Monday, Dec 24, Christmas Eve Open until 3:00 p.m.
 
Tuesday, December 25, Christmas Day Closed All Day
 
Mon, Dec 31, New Year's Eve Open until 5:00 p.m.
 
Tue, Jan 1, New Year's Day Closed All Day
 
 
But, if you need me on any other day, do not hesitate to call and I'll help you just as soon as I can.  I know how it is right now and I want to help you any way I can.  And if you have a deal going bad with another lender that I can bail out for you, please call me on those too!!!!
 

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

0 commentsSam Thompson • December 20 2007 07:34PM

Agent Discounts - Your Christmas Present available all year long!

SamChristmas
We have Agent Discounts!
 
Did you know that we have agent discounts for Realtors' personal loans? 
 
My company is very committed to serving our clients AND the agents that support us with this special deal which is really a neat benefit that I am proud to offer you.  If you need to refinance your home or if you ever want to take advantage of any homes that you would like to buy for yourself, please let me know.  Now is the time with interest rates below 6% for a 30 yr fixed rate that has not been this low in over 2 yrs with the housing pricing very favorable right now as you know.
 
Along with this feature, I will do everything in my power to get you the best pricing that I can because I want to make sure you are getting a great deal the same as I do for all of my borrowers.
 
Another reason why this is such a neat deal is that it allows you to see how well we process loans from the borrower's stand point so you will be more likely to recommend us to your clients.
 
Just give me a call and I will personally take your application or I will get one of my colleagues to help me that I have a lot of faith in because I want you to be very happy with the entire experience.
 
Think of this as our Christmas Present to you! that is available all year long!!
 
Call me if I can help you with this!
 

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

 
0 commentsSam Thompson • December 20 2007 07:32PM

Super Jumbos! We can help you! Let me compete.

We are now able to do loans up to $10 million so call me and let me compete for your business.  Our processing is superior so if I am competitive, you are going to love us and I will make sure to be competitive!

Since my average loan amount is only around $100K, you can believe that I will jump through loops to help you on a SUPER JUMBO in all 50 states!

Call me if I can help you with this!

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

0 commentsSam Thompson • December 17 2007 09:54AM

Fed Rate Cut didn't help. The credit crunch continues.

The Fed Cut their Rate and What Happened?

The mortgage rates drop for one afternoon and then increase slightly everyday since then.    That's right, the .25% rate drop controlled by the Fed has not helped the investors overcome other financial news that has continued to cause uncertainity in the housing industry.  

If I were you, I would strongly encourage anyone watching rates to lock in and buy that house they have been thinking about.    If they do not have to sell a house, the time may never be better to buy than now.  Do you believe this?  Then sell it!!    And if they do have to sell a house first and if they are not having any luck, encourage them to rent the house for a while.  All I need is a signed simple lease agreement that shows the rent and we'll help them get in their new home now while the rates and prices are right!  

Call me if I can help you with this!

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

0 commentsSam Thompson • December 16 2007 09:58AM

Craigslist.com - Another free site for your promotions!

 Weekly Tip -  Craigslist.com - free classifieds...
 

classifiedads

Looking for a free place to promote a listing?   I read a blog from a realtor that said he listed listings on http://www.craigslist.com/ everyday to gain additional exposure and traffic to his site.  Why not give it a try?   If your city is not listed, just go to a nearby city and key in your city in their section as a subsection for that city.  You can do it in several cities nearby.   Here are a few categories that contain housing information for promoting listings or yourself online.

housing
apts / housing rooms / shared sublets / temporary housing wanted housing swap vacation rentals parking / storage office / commercial real estate for sale  
services
beauty computer creative erotic event financial legal lessons automotive household labor/move skill'd trade real estate sm biz ads therapeutic travel/vac write/ed/tr8
 

Since it's free, why not put on a few lstings and see what happens?  Be sure to always include a link to your website so the visitors can click to your site.  The more linking you do, the more visitors and the better page ranking you'll get to help your visibility on google, etc.   Also, you can try trulia, kijiji, gumtree, backpage, Loopnet, CCIMNet,  google and yahoo groups.   Here's a Craig's List Realtor comment...   "I've been advertising on Craigslist, and depending on the area of the listing, we get a lot of calls. Dallas is a hot area for CL too so that helps a lot. I also use backpage and postlets. I have just started using backpage, and I did receive 1 lead recently. Nothing so far with postlets.

I use Realtour.biz to create my flyers for free, but I also like the look of vFlyer and they will post it to Craigslist to you as well. The key is making your listing stand out from all the others (as always!)" 

GOOD LUCK WITH IT!!  

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

0 commentsSam Thompson • December 16 2007 09:46AM

Xpressdocs.com - Postcard campaigns - Another tool for your arsenal.

Xpressdocs.com - Post Card Campaign Ideas
  howitworks   Many of you already utilize postcards to promote yourself and your listings and here's a site that you probably already knew about.  In case you didn't, this website is pretty inexpensive because you do all of the work and they just print and mail.  They can also mail out to your clients for you if you give them the addresses and will probably save you money if you consider your time and postage that will probably be higher than what they pay.   The good thing about postcards are that they are a quick read without having to open the envelope and they are more attractive and cheaper to mail.  They can help you promote a listing, houses just sold, your business, your town, etc.   That's right, promoting your town can help you in many ways...
  • Promote the things to do
  • Promote the historical things
  • Promote the health facilities
  • Promote the logistics to the nearby attractions
  • Promote the friendly people
  • Promote the many churches
  • Promote the climate and four seasons
  • Promote the retail and restaurants
This will help to get people excited about relocating to your town first, then about your listings and then about you!  Keep in mind that the town has to be attractive before the house unless the job or current family members living in the town are driving their decision to move.   Try to include at least one good action photo of people having fun!   Then think about getting merchants to put out a few cards on their shelves in nearby towns and mail out to your relocation prospects that you met on the Internet or from a sales call.  A good "just listed" campaign showing several good new listings with a link to your website where they can sign up for "Up-to-the-minute Hot Listings" would be a great way to get buyers to call you too!   Think about adding a postcard campaign to your arsenal and see if it helps your business take off next year.  

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

 

1 commentSam Thompson • December 16 2007 09:45AM

HopeNow - Who can benefit and who can't.

HOPENOW - Who gets to take advantage of this?

  Hope Now  

Thursday, the White House revealed its HOPE NOW program, aiming to help sub-prime borrowers freeze their initial "teaser" rates for a period of five years.  The program is receiving a lot of ink in the newspaper dailies but sometimes it's unclear exactly what the program offers, and to whom.  Let's look at the details and see who qualifies and who doesn't.

Mortgage loan type

Qualifies: Sub-prime mortgage
Doesn't qualify: everyone else.

Date of mortgage origination

Qualifies: January 1, 2005 to July 31, 2007
Doesn't Qualify: Everyone else

Date of first interest rate reset

Qualifies: January 1, 2008 to July 31, 2010
Doesn't qualify: Everyone else

Previous mortgage delinquencies

Qualifies: No more than one 60-day late in the last 12 months
Doesn't qualify: Multiple 60-day lates, or one 90-day late

Potential payment increase

Qualifies: Payment will increase by more than 10% at 1st adjustment
Doesn't qualify: Everyone else

Credit score

Qualifies: Less than 660; less than 10% improvement since closing
Doesn't qualify: Everyone else

Because of the restrictions, only a small subset of the 1.8 million sub-prime loans issued between January 1, 2005 and July 31, 2008 are eligible for the rate freeze.  A New York Times article estimates that figure to be 360,000 loans.  

For homeowners not qualified for the HOPE NOW program, mortgage servicers will attempt remortgage their loans, or evaluate the homeowner for a rate reduction and/or for debt forgiveness on a case-by-case basis. 

If you're not sure whether you have a sub-prime loan, or whether you can benefit from the "interest rate freeze" program, call me or call HOPE NOW.

  Source:  Who Qualifies for Help, And What Qualifies as Subprime?

 

Sam Thompson,  PHH Mortgage Advisor - Helping you GROW your business!

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

 

0 commentsSam Thompson • December 16 2007 09:33AM

Elf Yourself! Great way to spread some holiday cheer!

Elf Yourself - This is so funny!!
elfyourself

Hey, I just made a total elf of myself and you can do it too! Check it out by clicking the link below.   http://www.elfyourself.com/?id=1452220583

This elfin' greeting brought to you by OfficeMax®.

Sam Thompson, Senior Mortgage Advisor and "Crazy Elf"

www.activerain.com./luckydog1 - SC

www.activerain.com/luckydog2 - NC

http://samthompson.phhmortgage.com/

www.myphhmortgageadvisor.com/

 

 

0 commentsSam Thompson • December 16 2007 09:30AM