Who is John Israel and what is the Mr. Thank You Project??

January 9, 2019

The short answer to that question is True Greatness, that is who he is!!  John Israel is a guy from California that found himself in Plano, TX and decided to challenge himself and that challenge changed him, me and thousands of others.

His challenge was to write 5 hand written thank you cards a day, for a year.  Let’s get that again, 5 Hand Written Cards a Day, for a year!!!  I first heard of his story via Jen Du Plessis’ Pod Cast this summer.  It was a great listen, loved the message of Gratitude giving so I bought the book and dove right in!  What a great read as he did a recap of the year, things learned and some amazing takeaways!

I only learned he lived in Plano, TX after I finished the book and had sent him a “thanks for writing this book” e-mail.  His response was welcoming and we meet at a local coffee house and had an amazing conversation and affirmed how he was the same man who wrote the book, the same man who wrote those 1825 cards!  So much so that I took a chance and asked him if we would come and speak at my Frisco Sunrise Rotary club?  Staying consistent to his message and who he is, he agreed.

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This is a great easy read, add it to your list!!!

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Sources:

https://mrthankyou.com/

https://www.amazon.com/Mr-Thank-You-Project-Planet-One/dp/0997128321

https://www.jenduplessis.com/podcast1/

 

Geoffrey Davis, aka, The Frisco Mortgage Guy!

A Trusted Mortgage Loan Originator

NMLS 206192

 

Guardian Mortgage

2701 N. Dallas Parkway, Plano, TX 75093

Mobile: 214-529-9622

GeoffreyDavis@GMC-inc.com

www.GeoffreyWithGuardian.com

 

Guardian Mortgage, a division of Sunflower Bank, N.A


Make Your Workplace More Productive With These 5 Tech Tools

January 7, 2019

I hope you find this article helpful. I value our partnership.

TrustedTools

https://www.inc.com/lenovo/make-your-workplace-more-productive-with-these-five-tech-tools.html?cid=hmbv1

How innovative software and hardware is helping companies find more efficiencies.

San Francisco-based accounting firm Kruze Consulting has built a big business working with venture capital funded technology companies, so it’s only natural it would embrace technology for its own operations.

The company, which made its way onto this year’s Inc. 5000 list, uses a host of tools with the goal of making day-to-day tasks easier. For instance, Slack, a popular collaboration program, makes it easy for an accountant to get a quick answer to a tough tax question, while video conferencing allows CPAs to meet with clients without having to brave the ever-increasing Bay Area traffic.

Healy Jones, Vice President of Marketing for Kruze Consulting, says that if it weren’t for tech, the company wouldn’t have been able to grow into the 35-person operation it is today. “If you’re in the service business, you can only do as much as an individual can do,” he says. “If you want to grow faster, then you have to use technology to make you more productive.” And, in today’s digital landscape, there’s no shortage of productivity-boosting tech that companies can employ.

Here are five difference-making technologies worth checking out:

Work From Anywhere With USB-C

Stephen Miller, a brand ambassador with Lenovo, says that USB-C-enabled devices can do wonders for efficiency. USB-C is an easier-to-use USB port and cord that’s been embraced by most technology companies and comes with a majority of devices. With USB-C, employees can move from one desk to another without having to drag their own cords and computer docks around. “You have the same dock everywhere so people can work from anywhere,” he says.

Make Use of More Monitors

With more companies offering their employees more places to work–outside, in a cafeteria, in a closed cubicle–they must also give staff the tools they need to be productive wherever they are. That means providing more monitors and TVs where people can plug in and get right to work. “Maybe you’re working in the cafeteria–you can just plug your USB into a TV and be as efficient there as you are at your desk,” says Miller.

Soup Up Your Video Sessions

Video is a big deal at Kruze Consulting, which uses Zoom, a free video-conferencing tool, to communicate with clients and colleagues in other offices. But as useful as that may be, Miller suggests taking it a step further with something like the ThinkSmart Hub 500, an all-in-one device that connects with Skype and allows people to join a conference as soon as they enter a room. Since audio and video is already connected, all you need to do is hit a button and say hello. “It knows when the meeting has started,” says Miller.

Find Time-Saving Software

There are a host of programs that can save companies time and money, from project-management software to cloud-based file-storage sites that make document sharing a snap. One of Healy’s top programs is Gusto, a cloud payroll provider. All someone has to do is input employee details into the program and the software will pay staff and submit government deductions. “It would take hours each month to do this manually,” he says. “Now, it’s automatic.”

Beef up Security

It may not seem obvious, but security and efficiency go hand in hand. A cyber attack would slow down your business and destroy productivity. That’s why Miller recommends using software from companies you trust. Brand-name businesses spend millions to monitor breaches and they’re always updating security patches. To keep your data safe, it’s important to take advantage of multifactor authentication, an important security measure that makes it difficult for hackers to weasel their way into a program, and to ensure all firmware and software is updated, he says.

There are plenty of other tools to use, too–virtual reality is making training more efficient, while 5G-enabled devices will allow people to connect faster, says Miller. But the goal is the same: to help your business accomplish more in a day. If it weren’t for productivity-boosting technology, then Jones and his colleagues wouldn’t be able to help their clients bring difference-making technologies to market. Instead, they’d be spending hours on manual processes – like many accounting firms still do – and growth would be nonexistent. “Technology has helped this business grow a lot faster,” he says. “It’s also helped us continue moving forward.”

Geoffrey Davis, aka, The Frisco Mortgage Guy!

A Trusted Mortgage Loan Originator

NMLS 206192

 

Guardian Mortgage

2701 N. Dallas Parkway, Plano, TX 75093

Mobile: 214-529-9622

GeoffreyDavis@GMC-inc.com

www.GeoffreyWithGuardian.com

 

Guardian Mortgage, a division of Sunflower Bank, N.A


ADP Employment Report – Big, Big number!

January 3, 2019

Big ADP Employment Report came out today – BIG number!  More than 271,000 job creations happened in the Month of December and wow has that report changed the market trades so far.  Our Bond Market is on fire to start the day and the selloff in the Stock market continues.  Most of the jobs in this report were from the service sector and has traders guarded for is this a sustainable number or do we see a slowdown in January.

ADP-Employment-Report-1-3-2019

I would love to hear your views on this – but for now – Mortgage rates drop again so let’s talk soon about a new loan scenario you have been thinking about.  Mortgage rates are great, do not let the media fool you!!

Geoffrey Davis, aka, The Frisco Mortgage Guy!

A Trusted Mortgage Loan Originator

NMLS 206192

 

Guardian Mortgage

2701 N. Dallas Parkway, Plano, TX 75093

Mobile: 214-529-9622

GeoffreyDavis@GMC-inc.com

www.GeoffreyWithGuardian.com

 

Guardian Mortgage, a division of Sunflower Bank, N.A


Deal Alert!!! 2008 E. Lamar St. Sherman, TX 75090

January 2, 2019

Sure, it needs some work, sure it’s sold as is, sure there are no sellers disclosures…..but at a list price of $55,000 – maybe the bones are good!!??  Since we all know the kind of work needed on a purchase like this, let’s not do a mortgage loan to start – better to buy for cash our call some of my great bankers below so you can borrow on the purchase and updates. Throw $30k at it and put a renter in it for the next 20 years. By then, Sherman will be a North Dallas suburb.

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More Information on this home here

Barry Saulters, MidSouth Bank, barry.saulters@midsouthbank.com 972-578-5000

James Wiggins, Extraco Bank, JWiggins@extracobanks.com  972-345-0633

Billy Leavitt, Texas Farm Credit, bleavitt@texasfcs.com  214-442-9095

Ron Corcoran, Texas Republic Bank, ron.corcoran@texasrepublicbank.com  214-619-3915

Geoffrey Davis
Mortgage Loan Originator
NMLS # 206192

 


Lower Buyers’ Monthly Payment with Seller Buy-Down Points

November 19, 2018

Over the last year, we’ve seen rates creep up which has an impact on what buyers can afford. With a larger percentage of their payment going to interest, they can afford less house than they could have at a lower rate. The good news is that not all is lost!  With the local real estate market shifting more from a seller’s market to a buyer’s market, sellers are more interested in making concessions. Specifically, sellers can “buy down” the rate for buyers in an effort to help make their home more affordable to a broader market.

Contract

Here’s how it works:

-Buyers have max of $600k, but really want a home offered at $650k

-Seller drops price to $630k and offers a seller credit of 3% ($18,900)

-Proceeds are then used to “buy down” the rate giving the buyer their original desired payment

Rate buy-downs are a great way for sellers to attract more interest and for buyers to be able to afford that dream home!

Have questions? Give me a call anytime; always happy to chat about options.

Geoffrey Davis
Mortgage Loan Originator
NMLS # 206192

Guardian Mortgage
2701 N. Dallas Parkway | Suite 180 | Plano, TX 75093
Mobile: (214) 529-9622
GeoffreyDavis@gmc-inc.com
www.GeoffreyWithGuardian.com
Guardian Mortgage, a division of Sunflower Bank, N.A.

On the Move….to Guardian Mortgage!

November 19, 2018

Six months ago I posted my response to a Realtor friend’s question around why so many Loan Officers (LOs) were starting to change companies. The answer? Changing Volumes = Time to Look. I am no different…and am happy to announce my move to Guardian Mortgage!

Rates will continue to rise over the next 24 months and I want to be in the strongest position to deliver on clients’ needs with traditional and specialty products (e.g., self-employed, portfolio products) with a smooth internal process. And, that’s exactly why I moved to Guardian: Product Mix and Process.

*Product Mix: I’ve been in the business a long time, which means I have a large book of business with diverse clients. It’s critical for me to have the right products and rates to serve their diverse array of needs.

*Process: Nothing makes everyone happier than an on-time closing with limited drama leading up to it. In our business this is key! Drama is for movies, not mortgages, and I want a drama-free process for my clients.

The only downside of Guardian is that they’re in Plano, but I anticipate a Frisco location coming soon!  Either way, I am giddy with excitement to share with you all the products Guardian has to offer–be prepared! It’s going to be a big list!!

Geoffrey Davis_MOVED-01

Geoffrey Davis
Mortgage Loan Originator
NMLS # 206192

Guardian Mortgage
2701 N. Dallas Parkway | Suite 180 | Plano, TX 75093
Mobile: (214) 529-9622
GeoffreyDavis@gmc-inc.com
www.GeoffreyWithGuardian.com
Guardian Mortgage, a division of Sunflower Bank, N.A.

Use Location Intelligence to Market Your Listings

November 19, 2018

 

TrustedTools

https://magazine.realtor/technology/feature/article/2018/10/use-location-intelligence-to-market-your-listings

 

Data visualization and geofencing technologies allow real estate professionals to create highly targeted, hyperlocal advertising campaigns.

It’s not uncommon for real estate professionals to find new clients from word-of-mouth referrals and networking. But with the abundance of information now available online, property buyer and seller behaviors are shifting, and real estate agents need to find new ways to market and sell their services in order to stay relevant.

One of the most recent advancements helping those in the real estate industry is location intelligence. This essentially means taking large sums of data about a place and transforming it into useful insights to understand and visualize the context around where a property is located.

The global location intelligence market is anticipated to reach $25.25 billion by 2025, according to market research and consulting company Grand View Research Inc. What’s more, 66 percent of enterprises currently rank location intelligence as either critical or very important to their ongoing revenue growth strategies.

Of course, the idea is nothing new in real estate. Buyers agents routinely perform this task for their clients, helping them purchase property in areas with good schools, convenient public services, or nearby other developments that may positively affect the value of the property in the future.

But with big data tools and advancements in location-based technologies, agents are able to visualize a property’s surroundings and target their advertising efforts like never before, helping them save time, impress clients, and ultimately, grow their businesses. Here’s a look at how location intelligence is entering the real estate industry and a few of its use cases for real estate marketing.

Data Visualization

Location intelligence tools can help real estate agents aggregate and visualize data for better insights into a property. For example, it’s possible to layer a map of a neighborhood with demographic, socioeconomic, or even local crime data to assess the opportunities and risks involved with a specific property based on its location and historical patterns. By combining data from a variety of sources, this helps buyers see what it would really be like to live in a certain area.

Real estate agents can also incorporate intelligent tools in their marketing plan for listings. The Walkscore widget showcases the ease of getting around a neighborhood, such as the distance from a property to a grocery store, park, school, or public transit system. Agents can also use REALTORS Property Resource® to create reports and maps that incorporate school data, flood zones, tax information and other important points of consideration for potential buyers.

Geofencing

Geofencing allows businesses to advertise to potential clients within a specific geographic area by constructing virtual limits around a location. Typically, geofencing uses some combination of GPS, radio frequency identifiers, Bluetooth technology, and beacons. While the technology is not new, the increasing presence of mobile devices has made geofencing more accessible to the average agent.

Geofencing allows real estate agents to create virtual boundaries around areas where they want to advertise their properties. For instance, a geofence could be set up nearby certain office areas or shopping centers where target demographics are likely to spend their time. The easiest way to do this is by using a mobile app. For instance, a brokerage might work with a developer to create an app so agents can select boundaries around a specific location. As customers enter that area, the app will trigger mobile alerts. Typically, customers will need to opt into location services on their devices for the geofence to work. Building a geofencing app from scratch can cost thousands of dollars; however, services such as Reach Local and Simpl.fi offer more affordable options.

A mobile app that allows customers to opt in to receive notifications is recommended, as some operating systems, such as Google’s Android, have recently disabled automatic “nearby notifications,” typically pushed by marketers to users without making them download an app.

Hyperlocal Ad Targeting

Location technology can also help your ad budget go further. Facebook, Twitter, and most other social networks offer businesses the ability to target audiences based on their location or specific geographic area. This is just one example of how location intelligence has worked its way into the marketing world, helping businesses tap into the demographic data of their target audience.

To bring this tactic to the next level, think about what other types of information can be layered onto location to give you even better targeting abilities. Transactional data, or information about consumers’ spending habits, can help you segment audiences more accurately. With an understanding of a target market’s lifestyle choices and spending power, real estate agents can design more accurate ad campaigns to reach those consumers at the right time. For instance, consumers who have the ability to purchase luxury vehicles may also be interested in luxury properties in specific areas.

As attention spans continue to shrink and competition for buying and selling properties online intensifies, brokerages must deliver relevant offerings at the right time—and the right place. Moving forward, location intelligence will play a major role in helping agents gather insights and make better decisions about listing ads, marketing, and strategic planning for their business.

Geoffrey Davis
Mortgage Loan Originator
NMLS # 206192

Guardian Mortgage
2701 N. Dallas Parkway | Suite 180 | Plano, TX 75093
Mobile: (214) 529-9622
GeoffreyDavis@gmc-inc.com
www.GeoffreyWithGuardian.com
Guardian Mortgage, a division of Sunflower Bank, N.A.