Subject: 5 credit score mistakes to watch out for!

Hello NAME,

If you are like most Americans, you are concerned about maintaining a high credit score.

If you are planning to buy real estate in the near future, it’s a good idea to begin your process early by meeting with a lender and having them run your credit, just in case there are items that need to be cleaned up before you begin your property search.

If a real estate purchase is not in your future it still pays to be vigilant about protecting your score.

Here are 5 quick credit mistakes to watch out for!

Mistake #1: Making late payments. Thirty-day late payments can drop your credit score by 60-100 points!

Mistake #2: Opening store accounts to save on store purchases. Doing so means a hard inquiry, which can pull 5 or more points off your score.

Mistake #3: Closing the wrong accounts. Hold on to the cards that you’ve had the longest.

Mistake #4: Not having enough credit. Insufficient credit shows a lack of a track record and suggests you may not be able to handle more credit.

Mistake #5: Carrying high balances on your cards. High balances show that your debt ratio is too high.

If you have additional questions and need a connection to a quality lender or professionals that can advise you on how to raise your credit, reply to this email and I would be happy to help.

Warmly,
XXXXXXXX

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Subject: How to Find Your Perfect Neighborhood

Hello NAME,

Location, location, location. Half of buying a home is all about finding where you want to live. You may have found your dream house, but if it’s not in your dream neighborhood, then it’s not your dream home.

To find the neighborhood that is just right for you, start by making a needs and wants list and be sure to include activities, services, and hobbies that dictate the amenities you need nearby.

The internet provides an immense amount of information so do a little digging.

Check it out in person. Drive through the area multiple times and at different times of day so that you can get a true feel for the area. Consider taking long walks to truly absorb how it would feel to live there.

How far is your potential home from your job? For some, a long commute would be a deal breaker. What is your tolerance? Be sure to drive the route multiple times at the exact times you will be traveling to and from work.

Do your research on property taxes and any other special assessments, especially in new areas and areas that have associations.

Research crime statistics, school ratings, and any neighborhood noise or restrictions that would hamper your enjoyment.

Visit the local park and chat with neighbors to ask what they enjoy most about living in the area.

It’s easy to fall in love with a nice home, and it’s even better when a great lifestyle that is your perfect fit goes along with it.

Email me if you would like information and property searches, I will be happy to assist.

Warmly,
XXXXXXXX

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Subject: What Is in Your Real Estate Future?

Hello NAME,

Are property prices going up or down?

Are rates going to stay reasonable?

Is now a good time to buy or sell?

Are we headed for another downcycle?

Are there still any great investment deals out there?

Americans are fascinated with real estate and are always eagerly seeking information to find the path to buying their piece of the American dream.

In fact, millions of consumers purchase educational materials, attend investment conferences, and obsessively watch real estate reality shows! All for a good reason. Real estate, when purchased correctly, can be the best opportunity to build long term wealth, and the potential of passive income can help boost retirement earnings and security.

Across the nation it truly is still a very opportunistic market if you have the expertise to find the gems and navigate the hurdles. While market trends and financial reports can help us identify market hot spots and downturns, no one has a crystal ball to see into the future and perfectly time the market. 

Because purchasing real estate does have downsides as well as upsides, it is always wise to consider your next real estate step carefully. Be sure to do your homework by exploring your options and opportunities with a local experienced real estate professional while you are still early in the planning stages.

To assist my friends, family, and clients in making their buy and sell decisions and creating their real estate game plan, I have created two valuable educational resources: Becoming Financially Secure: The Real Estate Roadmap and Selecting the Right Real Estate Professional to Buy or Sell Your Investment Property.

These valuable reports offer a wealth of tips, worksheets, and answers to frequently asked questions. This guide is yours 100% free, no pressure, no obligation, just valuable information.  To request your reports simply respond to this email.

Warmly,
XXXXXXXX

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Subject: Do You Love Bright Colors but Are Afraid to Invest in Bright Furniture?

Hello NAME,

Bold, bright colors are in style!

However it’s a little scary to buy a hot pink couch or a lime green chair, especially when they come with a hefty price tag and you worry you may tire of them or the styles may change. and no one wants to be stuck with a dated piece of furniture.

A great solution: choose neutral furniture and add your pops of color with inexpensive art work, bright scatter rugs, throws, and pillows. Even painting a wall or two in your current favorite shade can liven up a room and be easy to change when you are ready for a new look. 

If you shop bargain sites like Wayfair or hit up TJ Maxx or HomeGoods, you can readily find fun pieces that allow you to go crazy with color and not break the bank.  Thrift stores and flea markets can offer fun vintage options that bring personality and pop, while also encouraging you to do a little DIY decorating to add your special touches.

Keep in mind that if you are planning to put your home up for sale anytime soon, keep the palette light and neutral (or be sure to change it back in the future) so your buyers can visualize their own décor and style in the space.

Warmly,
XXXXXXXX

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Subject: Questions to Ask at an Interview to List Your House With a Real Estate Agent

Hello NAME,

Whether you are preparing to list your home now or in the future, here are some questions to ask as you meet with your real estate agent/ advisor.

1. What do you think makes our home distinctive and how will this influence how you market our home?
2. How do you network with local realtors to increase their awareness of a home that you market?
3. How do you market properties online?
4. How many photos do you suggest for our home?
5. What is your negotiating philosophy?
6. How do you decide on the best pricing strategy?
7. Can you give me examples of when you sold a property for significantly more than your fellow agents thought was possible?
8. How do you determine the right marketing mix?
9. What are the pros and cons to having open houses?
10. What makes you and your company different from your competitors
11. Are you more focused on selling more homes, or selling homes for more?
12. Do you provide staging guidance and if so do you charge for this service?
13. What recommendations would you make that would make my home more attractive and more in demand to homebuyers?
14. What sources of quality prospects do you have access to?

Warmly,
XXXXXXXX

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Subject: Looking for a vacation home on a budget?

Hello NAME,

Do your future plans include saving up for a great vacation home? Does the thought of a vacation home seem more like a dream than a reality due to the high price tag that comes with the area you want to be in?

Why not consider a small cottage in your dream location, rather than waiting to save up for that “someday vacation home” in the distant future?

In a busy household everyone is often heading in different directions, allowing very little time for quality togetherness. This tendency has sparked a trend of vacation home buyers who prefer small homes with fantastic views. Maybe waterfront or ski-in, ski-out. The small size and the option to rent it out when you’re not using it make it affordable and even a great investment.

Before you start shopping for your small slice of heaven, sit down and make a list of the must-have features. Think about your hobbies and activities – a family of cooks might want most of their space in the kitchen, and movie aficionados might want a larger living room to pile up on the couch in front of the TV.

Consider renting several different times in your area of interest so that you can try on different floorplans and square footage. This will give you a chance to see how small you can go while still having big family fun.

If you have a dream of owning a vacation home anywhere in the world, reply to this email and if I cannot assist you, I will find an area specialist who can!

Warmly,
XXXXXXXX

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Subject: A Few Quick Ways to Increase Curb Appeal

Hello NAME,

Whether you are preparing your house to sell or simply want to make a good first impression, curb appeal is important.

There are a few simple steps you can take to add curb appeal to your home without spending a lot of money.

1. The Front Door: It is the entry to your home so don’t neglect it. Get creative with your front door by adding a splash of color. Try a fresh coat of paint or a bold and colorful new door mat.

2. Make a Statement with Some Flowers: Keep things symmetrical by adding a flower pot to each side of the entrance. Visit your local nursery and ask for advice on the best design ideas for your flower pots. Get something with more height for the middle and then place lower annuals such as wave petunias around the edges so the flowers spill over the edges of the pots.

3. A Good Clean Rinse: Use a pressure washer to clean your driveway and walkways. Then clean your windows inside out to let the sun shine in.

4. Take Care of Your Lawn: Your lawn has a huge impact when it comes to the over-all curb appeal of your house. Make sure to keep your lawn manicured and green. For expert advice on caring for your lawn visit the national Association of Landscape Professionals’ website at https://www.loveyourlandscape.org/.

5. Upgrade Your Lighting: Visit your local hardware store to select lighting that better fits the style and size of your home.

With these budget-friendly changes you will see your home’s curb appeal drastically increase.

Feel free to reply to this email to find out the accurate value of your home!

Warmly,
XXXXXXXX

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Subject: Book Recommendation of the Month

Hello NAME,

Are you looking for your next good read? Consider The New Retirementality: Planning Your Life and Living Your Dreams… at Any Age You Want by Mitch Anthony.

This book is not an instruction manual full of homework and complicated financial spreadsheets. Rather, Anthony strives to display why those looking to the future need a new mentality when it comes to retirement. Retirement now looks very different than it did for previous generations, and this book teaches you to begin to think about the process and how it might look like for you personally. Most importantly, Anthony helps the reader create a plan to get there! The New Retirementality was recently recommended by Money Magazine as one of the 10 best books to help you retire richer.

I hope you enjoy the book!

Warmly,
XXXXXXXX

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Subject: 5 credit score mistakes to watch out for!

Hello NAME,

If you are like most Americans, you are concerned about maintaining a high credit score.

If you are planning to buy real estate in the near future, it’s a good idea to begin your process early by meeting with a lender and having them run your credit, just in case there are items that need to be cleaned up before you begin your property search.

If a real estate purchase is not in your future it still pays to be vigilant about protecting your score.

Here are 5 quick credit mistakes to watch out for!

Mistake #1: Making late payments. Thirty-day late payments can drop your credit score by 60-100 points!

Mistake #2: Opening store accounts to save on store purchases. Doing so means a hard inquiry, which can pull 5 or more points off your score.

Mistake #3: Closing the wrong accounts. Hold on to the cards that you’ve had the longest.

Mistake #4: Not having enough credit. Insufficient credit shows a lack of a track record and suggests you may not be able to handle more credit.

Mistake #5: Carrying high balances on your cards. High balances show that your debt ratio is too high.

If you have additional questions and need a connection to a quality lender or professionals that can advise you on how to raise your credit, reply to this email and I would be happy to help.

Warmly,
XXXXXXXX

Word Doc Version of Email

Rich Text Version of Email

Subject: How to Find Your Perfect Neighborhood

Hello NAME,

Location, location, location. Half of buying a home is all about finding where you want to live. You may have found your dream house, but if it’s not in your dream neighborhood, then it’s not your dream home.

To find the neighborhood that is just right for you, start by making a needs and wants list and be sure to include activities, services, and hobbies that dictate the amenities you need nearby.

The internet provides an immense amount of information so do a little digging.

Check it out in person. Drive through the area multiple times and at different times of day so that you can get a true feel for the area. Consider taking long walks to truly absorb how it would feel to live there.

How far is your potential home from your job? For some, a long commute would be a deal breaker. What is your tolerance? Be sure to drive the route multiple times at the exact times you will be traveling to and from work.

Do your research on property taxes and any other special assessments, especially in new areas and areas that have associations.

Research crime statistics, school ratings, and any neighborhood noise or restrictions that would hamper your enjoyment.

Visit the local park and chat with neighbors to ask what they enjoy most about living in the area.

It’s easy to fall in love with a nice home, and it’s even better when a great lifestyle that is your perfect fit goes along with it.

Email me if you would like information and property searches, I will be happy to assist.

Warmly,
XXXXXXXX

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