THE MOST INTERESTING THING ABOUT A POSTAGE STAMP IS THE PERSISTENCE WITH WHICH IT STICKS TO ITS JOB.

AND while we are talking about follow up-I also have a simple 10 word killer email that will revive dead deals or old leads from months past. - Jerry helping realtors one at a time.

Did you know that only 50% of the people who inquire about a purchase OR a refi will do so within the first 18 months?? But get this...only 15% will do so within the first 90 days. What does that tell you? Follow up is perhaps the single most important thing you can do to easily grow your business and to start producing immediate results. I have a FREE FIVE YEAR FOLLOW UP PROGRAM where all you do is provide the names and I do all the work. Set it and forget it. Leave name and email address if interested.

And Forbes said:

As this is the best time in 50 years to buy homes, Paulson advised his listeners to take 30 year mortgages to buy a home as “your debt and interest payments get locked in at record lows, while the price of your home will rise.”

Refinance Closing Costs and
Break-Even Analysis Formula
Closing Costs from Good Faith Estimate to Include for Break-Even Analysis

Subtract any estimation for property tax escrow deposits, homeowner's insurance (and homeowner's association dues if applicable) escrow deposits, and pre-paid interest estimations.

You are now left with the true "Bottom Line" closing costs total by adding the remaining expense items from the good faith estimate.

Refinance Closing Costs Break-Even Formula:

"Bottom Line Closing Costs Divided By Monthly Savings = Break-Even Point"

Say for instance that your total Bottom Line closing costs amount to $6,600 and by refinancing into your new loan, your monthly mortgage payment will decrease by $275. Divide the $6,600 by $275 and your resulting Break-Even Point is 24 months.

So, in 24 months, the closing costs will be paid for and the borrower will receive a net benefit of $275 per month thereafter. Yes, it's that simple!

What's the weather like where YOU are at right now?

Guys if you have a Droid, you should definitely check this out.

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