Miami Real Estate Podcast with Dean Adler

By using a rapid rescore, you can increase your credit score. If you have a low credit score, a rapid rescore can show you how to rebuild it and qualify for a better mortgage loan. In fact, I recently used a rapid rescore for a couple clients of mine, and it helped them boost their credit.  The first client had a score of about 570. At that mark, that eliminates the possibility of getting a conventional loan and means they’d have to get an FHA loan at a fairly high rate. By using the rapid rescore, though, I saw that they could increase their score. Specifically, this client had some medical bills, and we determined that if those bills could be paid off and deleted, their score would increase into the 720 to 740 range.  “Essentially, a rapid rescore can save you money.” Over the next three weeks, that’s exactly what they did. They paid off and deleted a couple of accounts and raised their score to 740. This allowed them to secure a conventional mortgage with an excellent rate.  The second client also had unpaid medical bills, and the rapid rescore simulation told us that if they paid those off, it would increase his score from the mid-600s to the mid-700s. They were also able to do this in a matter of weeks. Cases like these illustrate what’s often the difference between getting a loan and not getting a loan, or getting a great rate and getting a poor rate. Essentially, a rapid rescore can save you money, and your mortgage professional should know how to use it to guide you to a better loan.  So before you reach out to a credit repair company because you think you can’t qualify for a loan, give my office a call and we’d be happy to do a rapid rescore for you.  If you have any questions about this or any other mortgage-related topic, feel free to reach out to me as well. I look forward to hearing from you.

What’s the trick to remembering people’s names? Here’s a tip I learned from a pro. Dale Carnegie once said that a person’s name is to that person the sweetest, most important sound in any language.  I took a Dale Carnegie class when I was 22 years old, and the first night we practiced memorizing names. There were 50 people in that class, and they taught us a technique that helped me to remember all 50 names by the end of the night.  Someone recently asked me for help with remembering names to spare them any embarrassment during social events. Today I’ll share a simplified version of that technique to help you master the art of remembering names. Mr. Carnegie looks at three different things to help him remember names: Truly listen to the person when they say their name. Repeat the person’s name as you look them in the eye. Come up with a visual to associate with their name. For my part, I was “Dean, Dean, the Jumping Jellybean”; if you made the jellybean purple, so much the better. People would envision me jumping up and down to help them remember my name, and it worked! “Dale Carnegie once said that a person’s name is to that person the sweetest, most important sound in any language.” While I was researching names and memorization, I came across a lot of very interesting and unusual names—names that you probably wouldn’t have a difficult time remembering if you met that person: Crystal Ball Kash Register Filet Minyon Donald Duck Brock Lee Chris P. Bacon If you have any questions about this or other topics, don’t hesitate to reach out to me. I’d love to hear from you.

We’ve opened a new branch in Sunrise, Florida, and this means great changes for you! I have an exciting announcement! I’ve had a unique opportunity to open a brand new branch with Hamilton Group Funding in Sunrise, Florida! We have over 30,000 square feet available here. So, what does this mean for you? My branch is 20 feet away from the underwriting department; if I walk down the hall a bit I’ve got the marketing department, further down the hall is the closing department and the funding department. Everything is under one roof. All departments are close, and we’re able to help you get through the loan process as quickly and efficiently as possible.  “We’re able to help you get through the loan process as quickly and efficiently as possible.” I’ve also been able to keep my original team intact, as well as grow it further. One of the biggest reasons for this change is that Hamilton Group Funding has a product that enables us to have no fees for my prior clients, as well as a product called Hamilton Heroes which requires no lender fees for policemen, firemen, and veterans.  So, prior clients, policemen, firemen, and veterans will receive no lender fees, underwriting, doc prep, or application fees. A savings of $1,500 or more immediately! If you have any questions whatsoever please give me a call or send me an email. We’d love to answer them.