Financial Apps
Here are all the financial apps you could want to do any analysis that you need!
Certified Home Buying Advisor
Whether you're looking to buy a home now or you're just curious about what's out there. There are many websites that promise to give you what you're looking for. However, in today's market, using these sites to find your next home might mislead you into thinking you're seeing every available property that could meet your needs and match your budget, but what you can't see is what these sites won't tell you, is that there are dozens if not hundreds of better homes at better prices hidden in plain sight. Before making one of the biggest decisions in your life, you want to be absolutely certain you're seeing all of your available options. Right? Because if you ask any real estate expert, they will tell you the nicest homes and the best deals always go quick regardless if the market is up or down. This means you are always in a race against smart homebuyers who know what they want and have been prepared by an expert to take immediate action in order to get it. Yes. What we're talking about is selection. Just like your taste for cars, clothes, and music, there is a house out there that uniquely fits with who you are and where you are in your life. Now, your problem won't be getting excited about moving into this perfect home, but rather it will be finding it fast before someone else while buying it at the lowest possible price. Contrary to popular belief, finding an expert certified to advise you on all of your options while preparing you to act fast is critically more important now than previously ever understood.Here's another way to look at it. You wouldn't show up to represent yourself in court or hire an attorney who lacks expert credentials because like the legal process, unknowingly choosing an agent who isn't certified in the home buying process, can unnecessarily cost you tens of thousands in closing fees, repairs, and other expenses, but most importantly, it can cost you your dream home. As someone who is looking, what can you do to ensure when you're ready to buy, you find an expert who is trained and certified to find your perfect home at the perfect price before someone else grabs it. Thankfully, research conducted by the National Association of Expert Advisors an independent members-only organization has isolated 81 unique variables that occur during the home buying process that result in perfect homes at the perfect price going to the fastest buyers. Members of this organization are educated beyond your average agent. These professionals rigorously trained to become certified home buying advisers and members of the association by demonstrating their mastery of the home buying process. These experts are trained and tested to follow a proven repeatable home buying system that categorizes the 81 unique variables into seven distinct home buying steps to give you an unfair competitive advantage in today's new real estate economy.The first step to gaining this advantage starts with having a smart home buying strategy. Like any plan or strategy, it is designed to predict problems. In this case, ones that stand in the way of you finding and buying your perfect home. Unfortunately, most buyers don't know they have this option and start the buying process completely wrong. They unknowingly put themselves at a significant disadvantage which prevents them from seeing all of their options and are at risk of overpaying for the home they choose. This mistake typically occurs when a buyer sees an attractive property online, from the street, or in an advertisement, and then calls or emails the agent for more information. From what seems like the logical thing to do, can actually be a trap because it doesn't matter if it's new construction or an existing home. You're guaranteed the agent on the other side is paid to sell their properties. Not to help you find the perfect one at the perfect price. A smart home buyer knows this, and a smart home buyer has a smart home buying strategy that starts by contacting a certified adviser to represent their best interest. Not contacting someone else who's paid to indulge in their own. If you look at the numbers, they tell the same story. 90% of homebuyers say they did not have a buyer representation disclosure presented to them in writing before working with their agent. This is probably why 68% of those surveyed said they were not satisfied with their real estate agent's home buying process.When you meet with a certified home buying adviser, you'll know they're working for you using a process proven to find you the perfect home. They are trained to evaluate your timing and motivations. They're prepared to stop you from buying out of pure emotion and help you evaluate your purchase as a long term investment. They're ready to match you to the most number of available homes that meet your needs. Can you see why working with a certified home buying adviser is in your best interest because as you'll find out, a smart home buying strategy prepared by a certified adviser can position you to be the accepted offer at the lowest possible price? Regardless if other buyers are bidding on it. Now that you know the benefits of becoming a smart home buyer, and working with a certified expert to find your perfect home, you can now remove the risks and gain your unfair competitive advantage by having a smart home buying strategy prepared for you. Again, this strategy evaluates your timing and motivations stops you from buying out of pure emotion and helps you purchase your home as a long term investment, and of course, matches you to the most number of available homes that meet your needs. Only members of the National Association of Expert Advisors are certified to provide you this valuable service. Look and ask for their credentials. You are never under any obligation to buy a home, and even if you've already started looking, it's not too late to contact an advisor to provide you with strategy for the rest of the way. It takes only minutes to start, but the results will reward you for years to come. Look for the seal of approval, and to have this agent help you, enter your information now. Your local certified home buying advisor will then be able to help you find the perfect home at the perfect price. Call 804-354-6000.
Certified Home Selling Advisor
Whether you're looking to sell your home now or you're just curious about its value, there are many websites that promise to give it to you. However, using these sites to price your home in today's market could mislead you into giving away tens of thousands in equity, especially if you need to sell your home fast. Now, because the market is always changing and your home's competition is, too, a proven way to prevent this is to hire an expert who is trained to prepare a smart home selling strategy for you. This strategy takes into consideration all the factors involved in the home selling process that are proven to sell homes faster and for up to 18% more than the methods of traditional real estate agents.As you probably know, finding an expert qualified to sell your home can be a daunting task. See, in most states, with just 45 hours of classroom time and a state exam, anyone can call themselves a real estate agent, and they're legally allowed to direct the largest financial decision in your life. Compare this to other licensed occupations where it takes 600 hours to be a licensed nail technician, or 1,200 hours to be a licensed beautician. It's easy to see why traditional agents are poorly prepared to serve your needs.As a homeowner, what can you do to protect your largest asset and ensure you hire an expert who is trained and qualified when you're ready to sell? Thankfully, research conducted by the National Association of Expert Advisors has discovered seven unique factors that an expert will manage in order to sell your home at the top of the market in the least amount of time. The seven factors are, expert advice, differentiation, market exposure, agent cooperation, buyer acquisition, offer negotiation, operational execution.Let's start with number one, pricing expertise. Traditionally, agents price homes using what is called a comparative market analysis, also known as a CMA. This establishes the value of your home by comparing it to historical sales. What most agents don't realize is that historical data doesn't determine how you should position your home in today's market to attract the highest offer. This would be like driving your car while looking in the rear-view mirror. What if the home was a rental occupied by college kids? What if the home was packed wall to wall with junk? What if one sold low because it reeked of offensive cat odor? Or worse, what if the seller was motivated because of a divorce or death and needed to unload it quickly?All of these homes would be used against your home's value in a CMA. As you might imagine, they should have absolutely no bearing on how to price and position your home. Be wary, if an agent presents you a CMA, it is likely they will not be able to price your home to sell for top dollar. This leads us to factor number two, differentiation. To attract the highest possible offer, a home must be positioned to attract buyers who will perceive its highest value. Expert advertisers understand that there is a perfect buyer profile for the buyer that would be willing to pay the most money for your home. Expert advisors attract these perfect buyers by differentiating your home from other homes on the market by first anticipating a buyer's wants and needs.As you'll notice, the key focus here is not on past market sales, but what is likely to attract a top-paying buyer in today's market. This means the advice you should receive to attract buyers like this must include how to make small investments in your home's curb appeal to pull buyers off the street, how to inexpensively update outdated interiors to stimulate offers, how to use preemptive negotiation strategies to attract high offers in comparison to your competition, and why you should consider repairs, upgrades or professional staging to eliminate the potential for attracting low offers. Statistically, the pay off for differentiating your home like this will yield you more equity in less time, and that's worth celebrating.Moving on to factor number three, market exposure. Once your home has been differentiated to target top-paying buyers, like a loaded cannonball, it's ready to fire. This next factor ensures when you launch your home onto the market, it's aimed at the right target. This requires you to be especially careful when selecting a professional. Here's why. Exposing your home to the market requires marketing. Research shows that the average agent only spends $89 a month on marketing and only sells an average of eight homes per year. On the other side, top agents will tout their large budgets for newspaper, TV, home magazines, and a list of hundreds of websites where they advertise.You would think that the answer is obvious. Hire the top agent, right? Not so fast. The key to a smart marketing plan for your home starts with a clear understanding of where buyers are going to search for homes. With thousands of places to invest, you want to fish where the fish are biting. Expert advisors know the top websites that attract the most buyers and employ a deep, not wide, marketing strategy to get more qualifies eyeballs on your home. Since the agent you hire is essentially investing the commission you are paying them, you want to have an agent that tracks every dollar and the return on investment.Now, a widely known but little discussed selling factor that significantly increases the likelihood of you getting a top dollar offer is factor number four, agent cooperation. Agent cooperation simply predicts that there is a greater than 50% chance that once your home is exposed to the market, another real estate professional will bring you a buyer. Since the largest pool of potential buyers are probably under the guidance of another agent, it's critical that your expert advisor allocate a portion of their marketing budget to get your home in front of the top agents in the market who represent buyers.This means hiring an expert advisor who understands the current incentives that motivate other agents to bring their best clients is as critical to success as differentiating your home is to attract targeted buyers. Be wary of the agent that offers to accept lower commission. Often this leads to a lower compensation being offered to the agents that potentially have a buyer for your home, resulting in little to no activity on your house.This brings us to factor number five, buyer acquisition. With your home differentiated to attract top dollar offers, a strong marketing budget in place to expose your home to targeted buyers, and an aggressive plan to motivate cooperating agents to bring you their best clients. Hiring a professional who has developed an immediate response system is critical to acquiring a buyer for your home. Think of this like the circuit breaker in your house. Emails, calls and showings are like electricity for the sale of your home. Without a system to process and qualify their flow, you risk shorting out a top dollar offer.Here's why. When a buyer visits your home online, a cooperating agent calls to set up a showing, or if someone calls from your yard sign, studies repeatedly show the fastest response wins the deal. Anything more than 15 minutes lowers the chance of your agent making contact and decreases showing your home by up to 105 times. Therefore, ask the professionals you're considering who answers the phone while they're busy with other clients? What training or certification do they have? How do emails and website leads get responded to over the weekend or after hours? What is their average response time to an incoming lead?An expert advisor understands they're running a business and solid systems and processes are needed to successfully manage all of the variables in the home selling process. All right, the next to last factor that influences the likelihood you get top dollar for your home is factor number six, offer negotiation. Regardless of how well a home is positioned to attract the perfect buyer, they will want to order their own inspections, will want to pay less than full price, and will likely make demands you're not comfortable agreeing to.Therefore, not enough can be said then about hiring an expert who can negotiate an outcome that serves your best interests. Too many good deals go bad, and time is always of the essence. If you lose a good deal because of bad negotiating, it could be weeks to months before another deal that good comes your way, and the market could have shifted out of your favorite during that time. Do your homework. Ask the professionals you're considering if they have a strategy for negotiating. If they do, you're likely in good hands.The last factor that brings everything together is factor number seven, operational execution. The sale of your home is much like flying in an airplane. You want an expert in the cockpit who's flown hundreds of times and follows a set of documented processes to get your plane safely into the air and back on the ground again. You would never want your pilot to be the person who is checking the air in the tires, fueling the plane, washing the windows, or serving drinks up and down the aisle. Because there are over 115 unique individual variables that go into the successful sale of every home, you don't want an agent who doesn't have systems and relationships in place to manage the process.Like a safe flight, it takes many people working together to get your home sold for top dollar. When hiring an expert, ask about their relationships with title companies, mortgage lenders, photographers, lawyers, sign companies, professional stagers, inspectors, and cleaning crews. The expert will be prepared to explain how they work together to get your home sold. By now you know selling a home is a process, not an event. You also learned how to hire an expert who can attract the perfect buyer, willing to pay top dollar for your home.If you're selling, the next logical step is to request a free, no commitment, smart home selling strategy from an expert advisor. Expert advisors are members of the National Association of Expert Advisors who are trained and certified to prepare a smart home selling strategy that can sell your home faster and for up to 18% more money than the traditional real estate agent. Look for the seal of approval. To have this agent help you, call 804-354-6000.
