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Refinance Your Home Letter


Dear [NAME],

There are probably a lot of reasons that you invested in a home: security, stability, the benefits of accruing equity—and, of course, the pride of ownership.

But how much are you spending each month in relation to your mortgage?  If you’ve been paying your mortgage on time each month, there’s a good chance that you’re eligible to profitably refinance your home—and receive the benefits of lower mortgage payments.

Allow me to introduce myself!  My name is [NAME], and I am a full-service mortgage broker in your area.  I’d like to get together with you to discuss your options for refinancing; together, I know that we can achieve a fantastic new loan that will save you money—now, and in the future!

As your broker, I will ensure that you are fully informed as to your best possible options, and I will advise you accordingly.  You can trust that I will make every effort to make the refinancing process a success.

Give me a call today at [PHONE], or visit my Web site at [WEB ADDRESS] for more information about refinancing.




Finance Your New Home Letter


Dear [NAME],

The purchase of a new home is so much more than the accumulation of property—it is an investment in your future.  You’re a hard-working individual, and you deserve to get the most out of your money—and that’s exactly what financing a new home can do for you!

I would like to introduce myself; my name is [NAME], and I am a mortgage broker in your area.  I have worked with hundreds of people such as yourself to achieve affordable and satisfactory mortgages, and now I’d like to offer my services to you as well.

Financing a home doesn’t have to be a complicated procedure, if you have the right professional to guide you through the process.  You have my personal guarantee that you will receive unparalleled guidance and advice throughout the entire process.

More importantly, I will present to you the best options that are available—and I will never advise you to enter into a loan that is beyond your means or comfort level.

Let’s talk more about this in person; give me a call at [PHONE], so that we can discuss your options.  After all, it’s time for you to start investing in your future!

I look forward to serving you!




Thank You For Your Inquiry Letter


Dear [NAME],

Many thanks for expressing an interest in my services.  I realize there are numerous agents you might have chosen so I greatly appreciate the opportunity to fulfill your insurance needs.  I would consider working with you to achieve your goals both an honor and a privilege.

Feel free to contact me anytime at [PHONE], or visit my Web site at [WEB ADDRESS] for more information.

I truly look forward to fulfilling all of your insurance needs!




Appointment Letter


Dear [NAME],

This is just a quick reminder that our appointment is scheduled for [TIME] on [DATE] at [LOCATION].

I appreciate the time you have set aside for me, and I am very much looking forward to our meeting.

Should you find it necessary to reach me prior to our appointment, my number is [PHONE] or you may email me at [EMAIL].





When you purchase your copy of My Mortgage Letters, you'll also receive our
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My Broker Articles absolutely FREE (a $97 value)!

With My Broker Articles, you'll always have a supply of professionally written articles at your disposal. These are articles that will showcase your knowledge and expertise AND that will provide useful and fun information for your clients.

Whether you just don't have time to write weekly or monthly newsletters or you simply aren't confident in your own writing ability, our library of articles is packed with choices you select and use in any way you want. You can add them to your newsletter or Web site, post them on your blog, or even use them as part of an email marketing campaign. We supply the articles—YOU decide how best to use them as part of your successful marketing efforts.

Claim any article as your own—establish yourself as the expert to your customers!

With My Broker Articles you'll be saving time and money while also letting more potential clients get to know the experienced, knowledgeable, and informative mortgage professional you are.

Here is a complete list of the articles you'll receive for FREE (a $97 value) when you purchase your copy of My Mortgage Letters!

Home And Garden Articles Volume 1

Attracting Birds To Your Backyard
Backyard Summer Entertainment Ideas
Building A Home Theater
Childproofing Your Home
Cleaning Tips And Tricks
Cut Your Cooling Costs With These Money-Saving Tips
Decorating Ideas For Boys' Rooms
Decorating Ideas For Girls' Rooms
Do-It-Yourself Pest Control Tips
Family Three-Day Home Emergency Kit
Hanging Pictures 101
Home Safety Tips
Home Security Tips
Hot Decorating Tips
How And When To Prune Roses
How To Care For Your Lawn
How To Choose The Perfect Grill
How To Start A New Garden
How To Successfully Set Up A Freshwater Aquarium
Ideas For Organizing Your Garage
Landscaping Design Tips
Maintenance Tips For Your Home
Make Gardening A Family Affair
Mood Lighting With Tiki Torches
Patio Decor Ideas
Safety Tips For Barbeque And Grilling
Strategies To Reduce Dust In Your Home
Swimming Pool Safety Tips
Ten Most Forgotten Items During A Move
Ten Things Every Gardener Should Know
Tips On Saving Energy And Money At Home
Tips On Setting Up Your Outdoor Music System
Tips To Make Your Move Easier
Top Five Ways To Ruin Antiques
Unclutter Your Home In Ten Easy Steps
Use Flowers To Add Color To Your Home
Watering Your Lawn The Right Way
Ways To Make Your House Smell Good
Ways To Reduce Your Heating Bill
Your Home First Aid Kit - Ten Must Haves

Home And Garden Articles Volume 2

A Homeowner's Toolkit
Build Your Own Deck - Choosing The Right Material
Can A Bathroom Remodel Increase Your Home's Value
Choosing The Best Lighting For Your Space
De-Clutter Your Kitchen
Decorating For Men - Creating A Man-Friendly Space
Decorating With Plants
Defining Distinct Spaces In A Large Room
Getting Your Garden Ready For Winter
Give Your Front Porch A Style Makeover
Green Laundry Tips - Save Money And The Environment
Hot Tub Purchasing Tips
Is A Pool Right For Your Property
Start A Kitchen Herb Garden
The Latest In Window Treatments
Using Bright And Bold Paint Colors

Home And Garden Articles Volume 3

Decorating For Small Spaces
Give Your Old Furniture New Life
Home Theater Tips And Tricks
Maintaining Air Quality In Your Home
Sealing Your Windows And Doors Against Leaks
Simple Ways To Add A Splash Of Color To Any Room
Solar Lighting For Your Yard
Storage Solutions For Your Child’s Toys
The Best Ways To Reduce Your Water Bill
Using Your Fireplace Safely

Home Buying Articles Volume 1

Benefits Of Home Ownership
Buying A Home With Bad Credit
Buying Verses Renting A Home
Buying Your First Home
Earnest Money Deposit
Finding Your Perfect Home
Home Buying Checklist
Home Buying Negotiating Tips
Home Warranty
Things Needed After Purchasing A Home

Home Buying Articles Volume 2

A Single Woman’s Guide To Homeownership
Buying A Fixer-Upper - Are You Ready For The Work
Buying A Foreclosed Property - What You Should Know
Buying A Home Long Distance
Buying A Home That Can Grow With Your Family
Getting To Know The Neighborhood Before Buying A Home
Hiring A Home Inspector
How Much House Do You Need
How To Handle A Bidding War
How To Handle A Motivated Seller
Is An Income Property Right For You
Negotiating Contract Contingencies From The Seller
Understanding Buyer Closing Costs
What A REALTOR Can Do For You As A Buyer
What Is A Property Survey
What To Consider Before Buying An Older Property

Home Buying Articles Volume 3

A Nice Home Or A Nice Neighborhood - Which Matters More
Choosing A REALTOR You Can Trust
Examining A Home Objectively - What Matters And What Doesn’t
Finding A Neighborhood With Great Schools
Homeowner’s Associations - What You Need To Know
How Much Yard Do You Need
Making An Offer - Negotiating Your Buying Price
Selecting Homeowners Insurance
Should You Consider A Condominium Or Townhome
When To Consider Raising Your Home Buying Budget

Home Selling Articles Volume 1

Choosing The Right Listing Agreement
Five Steps To Holding A Successful Open House
Getting Your Home Ready To Sell
Home Selling Checklist
Marketing Tips
Pricing Your Home To Sell
Selling A House With Pets At Home
Top Ten Home Showing Tips
What Are Lockboxes
When Is The Right Time To Reduce The Price

Home Selling Articles Volume 2

Are Your Neighbors Affecting Your Home’s Value
Avoid The Most Common Mistakes When Selling Your Home
Creating Curb Appeal
Eight Things To Consider Before Listing
Home Seller Disclosure Obligations
Home Staging - Should You Hire A Professional
Protecting Your Privacy While Your Home Is On The Market
Repairs To Make Before Selling Your Home
Sell Or Remodel - Which Is Right For You
Sell Your Home Fast - Five Tips To Get A Fast Sale
Selling Your Home - Why You Need A REALTOR
Selling Your Home During The Holidays
Selling Your Home In A Buyer’s Market - How To Maximize Your Profit
Staging An Open House That Won’t Cost You A Fortune
Ten Tips To Successfully Market Your Home
When Should You Accept A Low Bid

Home Selling Articles Volume 3

Five Things You Should Put In Storage While Selling Your Home
How Long Should You Keep Your Home On The Market
Negotiating With A Buyer
Quick Clutter Fixes For Unexpected Showings
Selling A Home When You Have Kids
Should You Show An Empty Home
Simple Ideas To Make Your Home More Welcoming To Buyers
The Downside To A Sale By Owner
The Home Remodels That Will Most Increase Your Selling Price
What Season Is Best To Sell

Financing Articles Volume 1

Buying A Home With Past Credit Problems
Calculating Your Monthly Mortgage Payments
How Much House You Can Afford
How To Buy A Home With A Low Down Payment
Recognizing Predatory Mortgage Lenders
Shopping For The Best Home Loan
Step-By-Step Guide In Obtaining A Home Loan
Things You Need When Applying For A Home Loan
Types Of Home Loans
Understanding The Closing Process

Financing Articles Volume 2

A Reverse Mortgage - Is It Right For You
Avoiding Mortgage Fraud
Finding A Mortgage Broker
Finding The Best Fit For Your Mortgage
Finding Your Credit Rating
Fixed Mortgage Vs. Variable Rates - Which Is Right For You
Getting A Second Mortgage
Negotiating An Owner Financing Purchase
Paying Off Your Mortgage Faster
Protect Yourself From Unexpected Mortgage Loan Adjustments
Taking Advantage Of Low Interest Rates - Should You Refinance Your Mortgage
The Advantages Of Pre-Approval
Tips For Getting Your Down Payment Faster
Understanding Interest Rates
Why You Should Avoid Subprime Lenders
Will You Qualify - What You Need To Get A Mortgage

Financing Articles Volume 3

All About Home Equity Loans
Applying For A Joint Mortgage Loan With Your Spouse
Balloon Payments - What They Mean To You
Can You Buy A Home With No Down Payment
FHA Loans - What They Are And Who Qualifies
First Time Buyer Loan Tips
How Much Cash Will You Need To Close
Insurance And Property Taxes - Should You Add Them To Your Mortgage Payment
Interest Only Loans - What You Should Know
Tips For Qualifying For A Better Interest Rate

Holiday Articles Volume 1

Christmas Decorating Ideas
Creative Ways To Say I Love You On Valentine's Day
Father's Day Gift Giving Ideas He'll Love
Halloween Safety Tips
Have Some Fun With Easter Eggs
How To Make The Fourth Of July Fun For Kids
New Year's Eve Decorating Ideas
St. Patrick's Day Ideas For Family Fun
Thanksgiving Menu Ideas
Ways To Thrill Mom On Mother's Day

Holiday Articles Volume 2

A St. Patrick's Menu That Your Guests Will Enjoy
Create A Romantic Dining Room For Valentine's Day
Create A Spooky Yard For Halloween
Create Kid-Safe Jack O Lanterns
Decorating For Christmas The Green Living Way
Decorating For Thanksgiving Using The Bounty Of The Season
Decorating For The Fourth Of July - Show Your Patriot Pride
Easy Easter Decorating Ideas
Hanukkah Decorating Ideas
Host A Chinese New Years' Party
Memorial Day Picnic Menu Ideas
Mother's Day Brunch - Decorating And Menu Ideas
Planning A Fun Fourth Of July Block Party
The Right Christmas Wreath For Your Front Door
Tips For The Perfect Turkey

Holiday Articles Volume 3

A Mother’s Day Menu Your Kids Can Prepare
Celebrating New Year’s With Young Children
Fabulous Homemade Halloween Costumes
Holiday Meal Ideas You Can Prepare Ahead Of Time
Is A Real Christmas Tree Right for You
Planning The Perfect Easter Egg Hunt
Planning The Perfect Memorial Day Barbeque
Preparing Your Home For Holiday Guests
Safety Tips For Fourth Of July Fireworks
Valentine’s Day Crafts For Kids

See sample articles below.


Financing Article


Shopping For The Best Home Loan

Finding the perfect home is a task, but shopping for the best home loan can be even more tedious.  With so many lenders promising low rates, closing costs and little or no down payment requirements, it's often difficult to know which way to turn.  Luckily, there are several steps that you can take to find the right lender for your individual needs.

Assess Your Situation

Do you know what your credit score is?  If not, you should.  Most lenders rely on this triple digit number to determine both your creditworthiness and interest rates.  If you have excellent credit, you can probably work with almost any lender.  If you have severe blemishes in your financial past, however, finding the right lender may require a little more footwork.

How much money do you have for a down payment?  If you are on a budget, you will need to choose a lender that can help to get you into a home with a minimal down payment.  Knowing where you stand will give you a good idea as to which lender you need to work with.

Compare Rates

As is the case with anything in life, it pays to shop wisely.  Because a home is the largest investment that most people will ever make, it stands to reason that comparison shopping is a must.  As you speak with various lenders, ask about their rates, loan terms, qualification process and down payment requirements.

Interest rates change often, which means locking in your rates when they are low can save you a bundle of money.  Because there are so many lenders competing for your business, you will be greeted with plenty of appealing offers, including low rates, closing costs and down payment requirements.

Demand the Best

You are the one buying the home, so you should be the one to choose the length of your loan term.  With the exception of a situation where payments are simply unaffordable, it's up to you to decide how long you want to pay for a house.  Many homebuyers prefer a longer loan term to keep the payments low, while others want to get the home paid for as quickly as possible with a shorter term.  It's important to keep in mind that the longer you pay for a home, the more money you will end up spending in interest.

It's a good idea to talk to your lender about their willingness to accommodate your needs.  If you're in doubt about which lender to choose or are new to the area and need a little guidance, ask your REALTOR® for a referral.  He/she knows the business and will be more than happy to assist you in making your dream of home ownership become a reality.


Home And Garden Article


Hot Decorating Tips

Let's face it.  There are two kinds of people in the world - those who have a knack for being creative and those who are seriously lacking in decorating skills.  The good news is that it doesn't matter which category you are in because there's always something new to be learned.  If you want to know how to add some new life to your home without spending a fortune, here is how to get started.

Spruce Up Your Walls

If you need a quick and affordable way to decorate your otherwise bare walls, consider adding a square of your favorite gift wrap to a standard photo frame and hanging it on the wall.  Not only will this look great, but it will also save you a bundle of money when compared to the cost of traditional artwork.

Lighten Up

If you are tired of looking at a plain lampshade, consider adding some pizzazz by purchasing tassel fabric at your local craft store and affixing it to the trim.  This will create a designer look and, best of all, won't cost you a fortune.

A Little Paint Can Go Along Way

If you have an old drawer set that's simply gone out of style, add a fresh coat of paint and some new hardware.  This will work brilliantly whether you are changing the decor or just need a more updated look.

Have a Seat

If the cushions on your chairs are looking worn or simply need some new life, you can make a big difference with some new fabric.  You can change the look of any chair by purchasing fabric and attaching it to the underside of the cushion.  This is an easy and affordable way to get the look of a brand new chair at a bargain.

Wow Your Walls

If you're looking for a conversation starter, consider purchasing plain white quilt squares and sending them to your favorite celebrities for an autograph.  Be sure to send a SASE (self-addressed stamped envelope) with your request so that they can return the item to you.  With each autographed quilt square that you receive, sew it next to a patterned square.  Over time, you will have a wall hanging that's sure to be a colorful treat for both you and your guests.  Having a quilt signed by dozens of your favorite celebrities is one way to wow your walls in a big way.

Create the Illusion of a Larger Space

Did you know that mirrors can actually give the illusion of a larger room?  Even if your house is small, you can open it up with a few strategically placed mirrors.  Horizontal designs are some of the best and they can offer a look that turns a small room into an open and airy spot.

Now that you know what's hot in decorating, it's time to get busy and start sprucing up your space.  After all, it's often those finishing touches that make a house into a home.


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