Great financial tips to ensure you make more dollar

Getting a mortgage loan or a mortgage loan refinanced without a financial plan is one of the worst decisions Americans make every day.

Unbeknownst to the average American, they are losing over $1,000,000 for their retirement!

Dont get me wrong. Mortgage loans are a necessity of life. However, mortgage loans in Nevada can be dangerous if a family doesnt get a financial advisor to help them.

Nevada mortgages can be dangerous because:

* Lenders in Nevada only need to fill out a form to get their mortgage license.
Thats right! Anyone with a pulse can offer a mortgage loan to consumers simply because he or she turned in a form. Most of the mortgage lenders in Nevada became mortgage brokers simply because they heard of the growing housing market and are desperate to make high commissions off of those who dont know any better.

* Private mortgage companies can only offer one or two specific mortgage loans.
Private mortgage companies are not looking out for the consumers interest. They will do anything to sell you on a mortgage loan, even if it isnt right for you, your lifestyle, or your budget. Because they have contracts with certain loan companies, they can only sell you one or two specific mortgages, and their commission depends on it.

* Desperate mortgage brokers will do anything to make a sale and I mean ANYTHING.
While many of us are optimistic that the person we are dealing with is being honest, oftentimes, mortgage brokers are not as honest as we would hope. Any of us who have signed mortgage papers before, know what a mountainous stack it can truly be. Do any of us really read the find print on each page? That would take over a month! So usually, a mortgage lender will summarize each page for you, so you dont have to read the fine print. How nice of them or is it? Sometimes, the mortgage market is so tough that mortgage brokers will tell a family one thing, but the fine print will say another. For example, the mortgage broker might not mention that a fee will incur of three years payment if a family refinances their home before 5 years after the first mortgage.

What is a Family to do?

The answer is simple. Get a financial planner. A financial planner is not only a PROFESSIONAL that can help you with your mortgage, but they can help you in other aspects of your finances as well.

Las Vegas financial planners can be life saving because:

* They are professionals in financial planning, INCLUDING MORTGAGES, so you dont have to worry about their qualifications.

* They arent tied down by contracts with mortgage lending companies, so they can offer you hundreds of different options for mortgages verses the one or two from private mortgage companies. THIS CAN GUARANTEE YOU THE LOWEST INTEREST RATE IN NEVADA!

* Financial planners have an established career as financial planners, so you dont have to worry about dishonesty to make a sale.

* Financial planners can help to eliminate credit card debt and help with other debt management at the same time you are purchasing a mortgage, which can ultimately help you save hundreds of thousands of dollars.

* Some financial advisors will help you for free!

* Financial planners can show families how to house their savings in a FOREVER TAX FREE accumulating account with up to a 12% interest rate. THIS CAN ULTIMATELY HELP FAMILIES RETIRE WITH $1,000,000 OR MORE!

* Financial planners dont just plan, they teach. They will teach you everything you need to know about your mortgage loan and any other savings plans so you know what is happening with your money.

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Selling a home can be difficult. But by employing the right tactics, you can find a buyer who’s willing to pay the price you want.

Here are four tips to help you sell your home for top dollar:

* Create competition for the property. Create an environment where multiple buyers are competing to buy. Stack appointments to show the house in a narrow window so that several buyers are at the property at the same time. This strategy taps into a buyer’s fear of loss, the single greatest spark to get a buyer to buy now.

* List it with the very best agent in the area. Interview agents and choose one who has a record of selling homes for a high percentage of the listing price. You should interview at least three agents, ask for referrals and ask for proof of their ability to do what they say they can do. Get in writing what the agent will do to market the house. Be clear that if the agent doesn’t live up to his or her promises, you want the option of canceling the listing.

* Set the right scene in your house. Make sure the house is bright, clean and open. Get the temperature right, and make sure the house smells nice. The three most important views of the house are the view from the front curb at the front of the house, the view at the front door, and the view at the front entranceway when someone first walks into the house. The combination of these three views gives the prospective buyer his or her first impression of the house. Make sure it’s a good one.

To improve the front view, use flowers with color and ensure the front porch looks tidy. The door should be either freshly painted or brand new.

The kitchen and master bedroom deserve special attention. Simple things like new hand towels in the bathroom or fresh flowers in the kitchen go a long way.

* Spend money for the upgrades that buyers want most. Before you rush off to make repairs in the property or pay for expensive upgrades, tour five or more homes of similar value that are selling in your area. See what final touches are popular with actual buyers. For example, a Jacuzzi tub can be an important feature on homes in certain price ranges but can be a waste of money in others. The key is to ensure upgrades generate at least twice their cost in the home’s final selling price.

David Finkel is co-author of the Wall Street Journal best seller “Making Big Money Investing in Foreclosures Without Cash or Credit.” He also is a full-time real estate investor and the host of the nationally broadcast “Real Estate Radio.”

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