Meet Real Estate Experts: Kristie Weber and Ryan Thies!

 

Studio Pic Team Weber

Our exclusive interview with Kristie Weber and Ryan Thies gives an inside look at their success formula!

Contact them for real estate advice at: (314)333-2225 or visit TeamWeberRe.com

 

Part One:

Part Two:

Going Beyond Pre-Approval

diamond-approvalWhat is the difference between Pre-Qualification VS Pre-Approval?

A Pre-Qualification is used to lure you in
A Pre-Approval happens after you have shown documentation (Tax returns, W2s)

Cornerstone goes further with an approach called the Diamond Approval. The Diamond Approval is when a Loan Officer takes a full file has it ran through Underwriting and an Underwriter reviews the file and gives a full approval on the Diamond process. It is important to go beyond a pre-approval because by the time a file can get in to Underwriting things can change with your credit, income, tax return issues, etc…

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What’s The Difference Between a Mortgage Broker, Mortgage Banker, and Banks?

HEATH-SHOWCARDHeath Keller, a Senior Loan Officer at Cornerstone Mortgage joins Doug on todays show to shed light on what the differences are between a Mortgage Broker, Mortgage Banker, and Banks. Heath also gives insight on why he chose to work for Cornerstone.

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5 Ways That Hackers Exploit your Mobile Devices

istock_smartphone_security_mdmScott Schaffer, CTO of Blade Technologies joins Doug & Tammie for another round of technology advice. Continue reading or download the audio to learn 5 ways that hackers exploit your mobile devices.

Free Wi-Fi

  • Using easy to carry hardware, hackers can impersonate a free WiFi network and invite users to join
  • It looks and feels like free internet, and few people ask many questions if their browser worls

2. PIN code

  • Lost phones and repercussions

3. A single password

4. Social engineering

  • “Hi, this is Scott from IT. I need your password to correct a security problem we have found on your device”
  • “Hello, this is ____ from IT. I need you to double-click on the attachment that I just sent you.”

5. Out-of-date operating systems

  • Many phones older than 2 years may no longer receive OS updates

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10 Common Mistakes in Securing Your Email

email2Scott Schaffer, CTO of Blade Technologies sticks around to discuss 10 common mistakes you might be making in securing your email.

1. Using simple passwords for your email accounts

2. Not recognizing scams, phishing attacks, or malware

3. Sending personal information, passwords, and financial information

4. Unsubscribing from email lists that you don’t recognize

  • A common way for spammers to verify that your email is active

5. Sharing your account information with others

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Scott Schaffer of Blade Technologies Discusses 5 Good Computing Habits Everyone Should Have

scott-s-showcard-fontScott Schaffer, CTO of Blade Technologies joins Doug & Tammie on today’s show to talk about 5 good computing habits that are worth working in to your routine.

1. Use Antimalware protection

  • Anti-Virus, Anti-Spam, etc.

2. Keep programs up-to-date

  • Updated programs have the most recent security patches for the operating system and applications

3. Backup your data

  • How much is your data worth?
  • Carbonite and Crashplan are examples of online backup programs worth looking in to

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When Is It Worth It to Refinance? Use Doug’s Refinance Formula to find out

DOUG-CHALKBOARD-2Do you feel like it may be time to refinance but you just aren’t sure if it’s worth it? Use Doug’s refinance formula to figure out if it’s the right time for you.

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Check The Real Estate Healthiness of Your Zip Code + Doug Answers a Listeners Budget Question

intense-budgetDoug & Tammie talk the top ten healthiest zip codes in our area, is one of them yours? Check out the other 80 to see how you rank. Plus, Doug answers a listeners question, how intense do I really have to be with my budget?

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11 Great Reasons to Carry a Big, Long Mortgage

equity-buildup-chart

Doug explains what a big, long mortgage is and what the advantages of having one are on today’s show.

1. Your mortgage doesn’t affect your home’s value.
2. A mortgage won’t stop you from building equity in the house.
3. A mortgage is cheap money.
4. Your mortgage interest is tax-deductible.
5. Mortgage interest is tax-favorable.
6. Mortgage payments get easier over time.
7. Mortgages allow you to sell without selling.
8. Mortgages allow you to invest more money and to invest it more quickly.
9. Mortgages allow you to create more wealth than you otherwise would.
10. Mortgages give you greater liquidity and flexibility.
11. You’ll never get rid of your monthly payment, no matter how hard you try.

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Doug Sheds Light on Home Prices Outpacing Wage Growth in 76% of U.S.

According to the RealtyTrac report, home price appreciation is outpacing wage growth in 76% of U.S. housing markets in the last two years. RealtyTrac showed that nationwide home price appreciation is outpacing wage growth by a 13:1 ratio in the same time period.

What this would mean is that housing prices would become unaffordable again, but is that really the case?  Doug digs deeper into these numbers to analyze how they will affect you.

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