6/02/2022

Best CRM Marketing Tools For Real Estate and Lending

 

















Choose best CRM service marketing list for real estate, loans, lending, partners







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Shopping for a contact management system that your real estate clients will interact with and love?

We all need to keep lists of emails phone numbers and details to keep up. Doing an EXCEL spread sheet long ago became insufficient to hold enough information and categorize. There are many free and paid services. I suggest you do a free trial first and enter three clients and try out the email, see if the SMS or text is easy, look for one that allows video if you are already filming your own content. The key really is to create your own useful information that your target needs. No one likes annoying emails saying buy my book, buy my wrinkle cream. Soon as you get the opt out to subscribe you lost them.

Here is my ranking of about one hundred CRM apps, websites, tools you can check out. Some are desktop, some are cloud based, many work with mobile phones. What is it you need? How many users do you plan to team up? Know your own needs. Many are free or offer free trials. Make sure they agree not to share your list. If they don’t offer free service then try another one there are thousands to choose from.

 

Podio

️ https://www.podio.com

 

 

Zoho CRM,

https://www.zoho.com

 

 

Realeflow,

https://www.realeflow.com

 

FreedomSoft

https://www.freedomsoft.com

 

Insightly

https://www.insightly.com        

Pipedrive

https://www.pipedrive.com

 

Goldmine

https://www.goldmine.com

 

The great advantage of goldmine an old But a great CRM SAAS is that you own it. When you move companies no one can steal your client list I bought mine in 1995 for $22But now it is $3100 – perhaps negotiable

             

Infusionsoft now called KEAP

https://www.keap.com

 

Boomtown

 

Liondesk

 

Top Producer CRM

 

 REIMobile

 

Bitrix

 

ACT!

 

Highrise

 

Active Campaign

 

Sales Force

 

REI Black Book

 

Propelio

              SUGARcrm

              Contactually

 

              Hubspot

 

              REI AUTOMATER

 

REI Pro

 

Pipeline Deals

 

RealtyJuggler

 

Streak

 

IMS

 

Suite crm

 

REI/lit

 

BaseCRM

 

 REI Automation Squad

Brivity,

Less Annoying CRM

 Vtiger CRM

 

Follow Up Boss

ClientLook

Microsoft Dynamics

Vulcan7

 Freshsales

Godfather CRM

 IXACT Contact

 amoCRM,

 kvCORE I get the most questions from Realtors struggling with how to use this one

Nimble,

REsimpli,

 ProsperWorks,

Agile CRM

Real Geeks

 Monday

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

              4.          

5.           Zendesksell

6.           Net suite

5/24/2022

Rural Nevada Down Payment Assistance

 

NEVADA DOWN PAYMENT ASSISTANCE PROGRAMS

RURAL NEVADA COUNTIES





Rates Effective 5/23/2022 Today's FHA, USDA, VA loans

Conventional rates are similar but note there are rules


Rates change daily

GOVERNMENT LOANS
RATES & ASSISTANCE OPTIONS 

(NOT LIMITED TO FIRST-TIME BUYERS!)

Assistance Options

Loan Rates

Loan Types

0%

5.625%

FHA, VA, USDA

1%

6.125%

FHA, VA, USDA

2%

6.625%

FHA, VA, USDA

Conventional also available call for rates, 

income limits and all the rules

(949) 784- 9699

C G Caroline Gerardo Barbeau

NMLS 324982

Sun West Mortgage Company, Inc

6131 Orangethorpe Avenue Suite 500

Buena Park, CA 90620

NMLS license # 3277

For licensing information, go to: www.nmlsconsumeraccess.org.
Visit https://www.swmc.com/disclaimer 

for the full list of license information.

Please Click Here to view Texas Complaint Notice 

and Servicing Disclosure.


LI - Low Income

VLI - Very Low Income


High Needs Rural County Area

Lookup address on the map here:

https://ami-lookup-tool.fanniemae.com/amilookuptool/

 


Reverse Mortgages

 

REverse Mortgage HECM older man handing flowers to a boy









Today There are Four Types Of Reverse Mortgage:

 






1.    HECM FHA

Purchase or refinance

Governed by HUD

Property needs to meet health and safety codes

Over 62 years old both on title

Can vest in Living Trust

1-   4 units and condo

2.  Jumbo HECM

Limited States

Up to $7,000,000.

Over 62 years old both on title

NO PMI of 1.75 –

Higher rate higher FICO needed 680

3.  Community and City Reverse Programs

4.  Shared Equity Programs

 

 

We are going to talk about using a Reverse as a purchase and as a refinance with #1 and #2

 

Although I’m licensed in twenty states talking about

#3 is best if you call me or I can refer you to someone in Georgia or Massachusetts where I’m not licensed.

 

#4 There are about twenty different lenders for shared equity programs. Some target seniors, some do not

 

 

 

Rules

Take to class

Owner occupied property until you die.

Condo to be FHA approved for #1 and case by case for the #2-4

1-4 for #1

1-2 for #2- 4

Large down payment or equity

Not be delinquent on a federal debt

Keep taxes, insurance, and HOA current

The Loan amount is the lesser of:

  • appraised value;
  • the HECM FHA mortgage limit of $970,800; or
  • the sales price (only applicable to HECM for Purchase)
  • or be a Jumbo #2

Costs:

1.75% MIP mortgage insurance premium upfront

2% or $2500 of first $200000 + 1% after up to $6000

The usual and state customary: Title, escrow/attorney, recording, transfer, notary, appraisal, credit…

 

Income tax question:

Cash out refinance is not taxable.

Interest is not deductible until you pay it off in one lump

Property taxes are deductible as they are paid

 

Recourse:

Is a non-recourse loan

 

Refinance dispersement options:

  • Tenure - equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence
  • Term - equal monthly payments for a fixed period of months selected
  • Line of Credit - unscheduled payments or in installments, at times and in an amount of your choosing until the line of credit is exhausted
  • Modified Tenure - combination of line of credit and scheduled monthly payments for as long as you remain in the home
  • Modified Term - combination of line of credit plus monthly payments for a fixed period of months selected by the borrower

For fixed interest rate mortgages, a the Single Disbursement Lump Sum payment

 

Spouse:

Non borrowing spouse allowed

Joint Tenants

Or Living Trust

 

When borrowers pass:

Heirs have twelve months to settle and either sell or refinance.

The 12 months can be extended if you complete a form asking for total 24 months.

Sometimes no probate is necessary, depending on the equity and cash in the estate.

Or go through probate process and get court approval to sell.

Heir(s ) can apply elsewhere to refinance and pay off the balance.

 

As long as borrowers live in the house, they do not make a mortgage payment, but you can make payments like a HELOC.

 

Borrowers have to maintain property taxes, fire insurance, HOA and keep house “safe.”

 Caroline Gerardo Barbeau C G

NMLS 324982

(949)  784- 9699

Reverse mortgage HECM photo