Showing posts with label self employed. Show all posts
Showing posts with label self employed. Show all posts
Friday, November 6, 2009
You're looking for a mortgage and you're declined by the bank...
If you are receiving this feed as an e-mail and don't see the post, please click back to the blog page http://mortgagemensch.blogspot.com/ as it is probably a video that has been posted. Thank you for subscribing to this blog! For more information call David Grossman at 416 876 2031 or go to http://www.mortgagemensch.ca to visit website.
Fixed or variable rate mortgage discussion with singer Limore
If you are receiving this feed as an e-mail and don't see the post, please click back to the blog page http://mortgagemensch.blogspot.com/ as it is probably a video that has been posted. Thank you for subscribing to this blog! For more information call David Grossman at 416 876 2031 or go to http://www.mortgagemensch.ca to visit website.
Monday, February 16, 2009
Service vs. Price: Service is the only sustainable way to differeniate yourself
As a mortgage specialist, one of most common questions I get when a prospect calls me is what are your rates? Through Mortgage Alliance we have access to very competitive rates, but I think that is one of the least important questions. First of all, most mortgage agents have access to the same lenders, rates and programs. In addition, rates change daily and sometimes by the hour. Fortunately we have access to Mortgage Alliance's Rate Advisor (click here to visit Rate Advisor now), which gives you current rates and automatically sends you weekly e-mail updates if you sign up; however, even Rate Advisor is not 100% accurate. It doesn't change everytime a lender announces a new promotion. The number of variables that will affect your rate are too numerous to capture in a chart. While I will always do my best to give people my best estimate as to what their rate will be, I usually have to get back to them after checking for the latest updates.
How do I differentiate myself?
In a word, SERVICE. Anyone in business for themselves knows that your business will not be sustainable if you try and compete on price alone (unless you are Walmart or somebody like that). There will always be someone willing to give their service away at a lower price. That's is why I put most of my energy into figuring out how I can offer better service than my competitiors. I want to be they guy you know you can count on to get things done, the guy who answers all your questions and explains everything to you until you have no more questions, they guy who ALWAYS gets back to you and your clients and who keeps you and your clients in the loop in terms of what is going on with the mortgage. That is how I compete. Knowing how to do, what you do, better than anyone else, being more helpful and more diligent than anyone else is in our industry is, in my opinion, the only way to complete. Oh yeah, and having a good marketing idea once in a while won't hurt either.
How do I differentiate myself?
In a word, SERVICE. Anyone in business for themselves knows that your business will not be sustainable if you try and compete on price alone (unless you are Walmart or somebody like that). There will always be someone willing to give their service away at a lower price. That's is why I put most of my energy into figuring out how I can offer better service than my competitiors. I want to be they guy you know you can count on to get things done, the guy who answers all your questions and explains everything to you until you have no more questions, they guy who ALWAYS gets back to you and your clients and who keeps you and your clients in the loop in terms of what is going on with the mortgage. That is how I compete. Knowing how to do, what you do, better than anyone else, being more helpful and more diligent than anyone else is in our industry is, in my opinion, the only way to complete. Oh yeah, and having a good marketing idea once in a while won't hurt either.
Thursday, January 22, 2009
What is a News Fast?
Good morning everyone,
Rates have been trending down nicely with the recent drop in the Bank of Canada’s overnight night. Our best 5-year variable rate is Prime plus .6%. Prime is now at 3% (that would put you at 3.6%) and rates may drop further when the Bank of Canada meets again March 3rd.
What is a News Fast?
Last month when I was getting ready for a presentation I delivered at YCR head office Finding Opportunities in a Down Market, I found that had to stop reading the newspaper because I couldn’t stand reading all the bad news. I needed to be in a positive mindset for the presentation and all the bad news just wasn’t helping. I casually mentioned to a friend that had started avoiding the newspaper. He said “Oh yeah, you’re on a news fast!” I didn’t know there was a term for it but I was intrigued, so I looked it up on Google and found this great article. The author, a personal development coach, talked about his news fast and I felt better knowing that I wasn’t the only guy avoiding the lousy news. I have since started reading the newspaper again in limited doses. To read the article, click here http://www.stevepavlina.com/blog/2006/09/overcoming-news-addiction/ to visit the author’s blog.
Rate Advisor
Want to have my weekly rate updates delivered to you inbox? Visit my Mortgage Alliance rate page at http://www.mortgagealliance.com/davidgrossman/default_Agent.asp?ContentTypeID=&PageID=10 to sign up.
If you need help with a mortgage, call me directly at 416 876 2031.
Have a great day!
David Grossman MBA
Mortgage Alliance Mortgage Loans Canada Inc.
Tel: 416 876 2031
Fax: 416 987 5631
Rates have been trending down nicely with the recent drop in the Bank of Canada’s overnight night. Our best 5-year variable rate is Prime plus .6%. Prime is now at 3% (that would put you at 3.6%) and rates may drop further when the Bank of Canada meets again March 3rd.
What is a News Fast?
Last month when I was getting ready for a presentation I delivered at YCR head office Finding Opportunities in a Down Market, I found that had to stop reading the newspaper because I couldn’t stand reading all the bad news. I needed to be in a positive mindset for the presentation and all the bad news just wasn’t helping. I casually mentioned to a friend that had started avoiding the newspaper. He said “Oh yeah, you’re on a news fast!” I didn’t know there was a term for it but I was intrigued, so I looked it up on Google and found this great article. The author, a personal development coach, talked about his news fast and I felt better knowing that I wasn’t the only guy avoiding the lousy news. I have since started reading the newspaper again in limited doses. To read the article, click here http://www.stevepavlina.com/blog/2006/09/overcoming-news-addiction/ to visit the author’s blog.
Rate Advisor
Want to have my weekly rate updates delivered to you inbox? Visit my Mortgage Alliance rate page at http://www.mortgagealliance.com/davidgrossman/default_Agent.asp?ContentTypeID=&PageID=10 to sign up.
If you need help with a mortgage, call me directly at 416 876 2031.
Have a great day!
David Grossman MBA
Mortgage Alliance Mortgage Loans Canada Inc.
Tel: 416 876 2031
Fax: 416 987 5631
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