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Money and Retirement

What Should We ask Ourselves Before Making any Investment?
What Should We ask Ourselves Before Making any Investment?

The questions prospective investors typically ask are what is the initial cost, what is the return, how secure is the investment, and what is the timing? Those are great questions. However, equally important questions to ask ourselves are, what is the worst-case scenario, what is the...

The Art of Retaining Your Client: A Mortgage Broker’s Ongoing Challenge – Part 2
The Art of Retaining Your Client: A Mortgage Broker’s Ongoing Challenge – Part 2

Is there real value in a Brokerage Fee Agreement? In an ideal world, you should have clients with such loyalty that you don’t need a contract to collect a fee.  However, in the real world, you need a fee agreement to perfect your interest in the brokerage relationship and get paid for the...

The Art of Retaining Your Client: A Mortgage Broker’s Ongoing Challenge – Part 1
The Art of Retaining Your Client: A Mortgage Broker’s Ongoing Challenge – Part 1

Have you ever worked hard, spending hours arranging financing for a potential client, and come to find out it was all for naught because you did not execute a fee agreement, and the client went to another lender? I understand this is the nature of the business; however, there are ways to improve...

Four things to Know Before Building an ADU on Your Residential Investment Property
Four things to Know Before Building an ADU on Your Residential Investment Property

The local and state government have made it extremely attractive to construct additional dwelling units (ADU’s), also known as Granny Flats, on a property with a single-family residence by loosening the density restrictions. The additional square footage created with an ADU can help increase the...

When Does Using Private Money Make Sense?
When Does Using Private Money Make Sense?

Have you passed up an investment opportunity because private money was expensive and it was your only option for financing? Private money, or hard money financing, is non-conventional financing. The funds are not coming from a federally insured source, as in a bank or credit union. A private...

Are we Goal-Oriented or Growth-Oriented?
Are we Goal-Oriented or Growth-Oriented?

There is no such thing as a “risk-free” real estate investment. With any return, there is risk. Successful real estate investors typically know and understand two essential things: The financial objective or why they are investing in real estate, .i.e., is it for future cash flow, preserve...

How to Mitigate the Risks When Investing in Real Estate
How to Mitigate the Risks When Investing in Real Estate

There is no such thing as a “risk-free” real estate investment. With any return, there is risk. Successful real estate investors typically know and understand two essential things: The financial objective or why they are investing in real estate, .i.e., is it for future cash flow, preserve...

What Makes a Mortgage Fund Like Fidelis a Hedge Against Inflation?
What Makes a Mortgage Fund Like Fidelis a Hedge Against Inflation?

There are numerous benefits to investing in a mortgage fund. Click here for a list of benefits. However, one benefit not often talked about is a hedge against inflation. In the last year, to fight the COVID-19 pandemic, the government injected over 2.5 trillion dollars into the US economy. These...