- Fotografías mal implementadas.
Una de las cosas que uno debe de tener como prioridad para vender una propiedad es tener fotografías bien hechas.
- Falsas promesas.
No seas “El Sabelotodo”, pero sí tienes que demostrar que sabes que es lo mejor para la propiedad. Muchos agentes de ventas cometen el error de prometer cosas de las que no están seguros si son realmente viables y al final los compradores terminan quejándose. No olvides mantener una postura de experto, pero al mismo tiempo tienes que ser honestos y humilde con tus clientes. Si no sabes algo, se humilde y responde: “No sé, pero lo averiguare”
- Falta de Investigación.
No sólo uno debe saber cuántos cuartos, baños, closets, etcétera, tiene una propiedad. Tienes que saber que hay a su alrededor con totalidad. Algunos agentes de bienes raíces han cometido el error de no hacer una investigación completa de los alrededores. Saber si es un vecindario seguro, proveedores exclusivos, que proveedores no llegan a ese vecindario, que hace la ubicación diferente a las demás, etc. Todo esto es clave para que tus clientes decidan comprar o no comprar.
- Falta de Estrategia.
Es importante tener una estrategia de ventas. Agentes que están empezando no están acostumbrados a tener un plan de trabajo. La información es clave y si fallas en planear, planeas para fallar. Conociendo a las tendencias del mercado, las estadísticas y el flujo de ventas, se puede generar una estrategia que te pondrá no solo delante de tus competidores, también te ayudará a tener una economía estable.
- Falta de Marketing.
Muchos agentes deciden no invertir en su imagen, logo y publicidad. La tecnología se mueve increíblemente rápido y hoy todo está conectado a la red. Ventas y publicidad, todo se maneja por marketing en línea. La mejor forma para que seas efectivo en ventas de bienes raíces y que la gente te conozca es en invirtiendo en publicidad y marketing para tu empresa.
Todos tenemos errores y logros, lo importante es evitar el fracaso utilizando las herramientas que tengamos. No se necesita ser un millonario, sólo se necesita darle la importancia y la atención al negocio, informándose y manteniéndose actualizado. Hacer las cosas lo mejor posible sin dejarlo de forma “pasable”. Cuidando detalles y manteniéndose lo más profesional posible, harás que crezcas como empresa y sobresalir de tu competidores. Source: msl.mx
Your Loan in the Valley
A successful real estate agent is adept at generating leads. Within the real estate industry, a lead is information on a possible buyer or seller. It is more efficient to target individuals already considering purchasing or listing property, as opposed to the general public. If the lead comes from a person the potential client knows and trusts, then the real estate agent has an advantage over other agents, when contacting the lead.
1. Send regular mailings to past clients, either monthly or quarterly, with valuable information, such as real estate tips and news, or an occasional marketing calendar or gift. This will remind them you are still in business, and entice them to refer you to a friend or to call you, if they need your professional services.
2. Pass out your photo business card during out-of-town real estate conventions or classes. Make contact with fellow agents in other communities and let them know you pay for referrals from other agents. If you make an impression, and establish yourself as an authority in your community, they may refer you to their clients who are shopping in your area.
3. Send out “just listed” or “just sold” postcards to neighborhoods where you just sold or listed property. Contact your local title and escrow company, as they may be willing to supply you with mailing labels or addresses for specific neighborhoods. Let the people know you are doing business in their neighborhood, as they may also require your services.
4. Join service organizations and clubs, and let your fellow members know you are practicing real estate. Become involved in the organization, and show your fellow members that you are active in the community, trustworthy, dependable and knowledgeable in real estate.
5. Start a real estate blog or website and offer to send visitors to the site free information, in exchange for completing a questionnaire, which you will use to generate leads.
6. Establish relationships with attorneys, paralegals, lenders, bankers, insurance agents and other professionals with clients, who may be looking to buy or sell property. Establishing just one solid relationship with an estate attorney has the potential for generating countless leads.
Source: sfgate.com Photo by: sdmania
Your Loan in the Valley
CalHFA offers a variety of loan programs to help you purchase your first home.
FIRST MORTGAGE PROGRAMS
CalPLUS Loan Program
The CalPLUS program is an FHA-insured loan featuring a CalHFA fixed interest rate first mortgage. This loan is fully amortized for a 30-year term and is combined with the CalHFA Zero Interest Program (ZIP) for down payment assistance only.
CalHFA FHA Loan Program
The CalHFA FHA program is an FHA-insured loan featuring a CalHFA fixed interest rate first mortgage. This loan is fully amortized for a 30-year term and can be combined with either the California Homebuyer Downpayment Assistance Program (CHDAP) or the Extra Credit Teacher Program (ECTP).
DOWN PAYMENT ASSISTANCE PROGRAMS
The money you put “down” or the down payment on your home loan can be one of the largest hurdles for many first-time homebuyers. That’s why CalHFA offers several options for down payment and closing cost assistance. This type of assistance is often called a second or subordinate loan. CalHFA’s subordinate loans are “silent seconds”, meaning payments on this loan are deferred so you do not have to make a payment on this assistance until your home is sold, refinanced or paid in full. This helps to keep your monthly mortgage payment affordable.
California Homebuyer’s Downpayment Assistance Program (CHDAP)
Offers a deferred-payment subordinate loan in the amount of (3%) of the purchase price or appraised value, which ever is less to be used for down payment and/or closing costs.
Extra Credit Teacher Home Purchase Program (ECTP)
Program intended for eligible teachers, administrators, classified employees and staff members working in high priority schools in California. Offers a deferred-payment junior loan of an amount not to exceed the greater of $7,500 or 3% of the sales price or in CalHFA-defined high cost areas an amount not to exceed the greater of $15,000 or 3% of the sales price. Assistance can be used for down payment.
OTHER PARTNERSHIP & PROGRAM OPTIONS
Mortgage Credit Certificate Tax Credit Program (MCC)
A federal credit which can reduce potential federal income tax liability, creating additional net spendable income which borrowers may use toward their monthly mortgage payment. This MCC Tax Credit program may enable first-time homebuyers to convert a portion of their annual mortgage interest into a direct dollar for dollar tax credit on their U.S. individual income tax returns.
Individual Development Accounts
IDA’s are special savings accounts designed to assist low income borrowers on their path toward ownership of a long-term asset, such as a home, through matched contributions by nonprofit organizations and eligible banks. These organizations may offer up to a 3:1 savings match (i.e., if you save $1,000, you will receive an additional $3,000). To find an organization that offers an IDA program please follow the link above.
HUD – Section 8 Housing Choice Voucher Program
The Section 8 Housing Choice Voucher Program may enable qualified first-time
homebuyers to receive monthly assistance for homeownership expenses in lieu of monthly rent aid. Pursuant to Congressional authority, HUD has authorized states and Public Housing Authorities (PHA’s) to provide this assistance using funds available through the Section 8 rental voucher program.
The PHA’s may choose to participate in offering the Section 8 for homeownership but are not required to do so. Under the Program at least 30% of the eligible homebuyers’ income will go to pay the homeownership expenses with Section 8 covering the remainder.
For additional information:
- HUD – Housing Choice Voucher Fact Sheet
- HUD-approved Public Housing Agencies in California
Utility Energy Efficiency & Solar Programs
California’s various Investor-Owned Utilities (IOUs) and Publicly-Owned Utilities (POUs) offer a variety of Energy-Efficiency and Solar programs designed to assist single-family and multifamily owners in covering or deferring the cost of making their properties go green.
Weatherization Assistance Program
The Weatherization Assistance Program reduces the heating and cooling costs for low-income families by improving the energy efficiency of their homes and ensuring their health and safety. Among low-income households, the program focuses on those with elderly residents, individuals with disabilities, and families with children.
Looking for more information? Talk with a Your Loan in the Valley Loan Specialist today.
818 810 4646
Your Loan in the Valley
We’re getting close to the holiday season, and not only does that mean it’s time to start gift shopping for all of your friends and family on your list, but it’s also time to start thinking about sending holiday cards to your clients and colleagues.
You are already ahead of the game by thinking about your holiday cards now. In fact, right now is the perfect time to order your cards, especially if you plan to include customization, branding or special designs. Use the next week or two to select and design your cards, and get your order in by the end of the month to ensure you have them in-hand on time.
You can, of course, just select a standard design from the card catalog, but why not try a different approach? You can create a very unique and memorable card that doesn’t have to break your budget. Some ideas include using the typically family-oriented photo card format to show a picture of your team, designing a flat greeting card that incorporates your actual business card, or selecting a humorous card to go for the laugh.
Brand Your Cards
Aside from using your actual business card incorporated into your greeting card, you can consider including some other forms of branding on your card. You will probably want to include your business name and URL, but also consider using your logo and even company colors to tie it all together.
Make It Personal
Many business holiday cards are pre-printed, giving them a professional look and feel. But make sure you take time to address your cards individually and write a personal message in each card. A handwritten note from you can be the difference between a throw-away business greeting card and one that is kept and remembered.
Who says a holiday card has to be sent for the big holidays? Consider sending a Thanksgiving card or a New Year’s card to separate yours from the masses that hit the mailbox every December.
Your Loan in the Valley.