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Friday TeamCoOrdinator Officer Training 

With today's technology, anyone can find a mortgage calculator online as well as find the average 30-year fixed rate. This is a great way to get a large ballpark estimate. However, the issues with that are there are many variables that are considered when determining someone’s rate and monthly payment. The other issue is that the posted average 30-year fixed rate is always a week or two behind and isn't accurate to where today's rate is.&nbsp;
One final issue with the online mortgage calculators that I find to be major, is that they don't give you what other funds for closing that you need to consider besides a down payment. In a typical mortgage transaction, you have lender and attorney fees, prepaid interest, escrow account funding, and government fees which can add up to a significant amount.
I realize how important this is for my clients to know so I have an online mortgage calculator that I can customize specifically for them to give them an accurate estimate of what their monthly payment would be on a specific property. I have also developed a spreadsheet that I customize to give them an estimate of their monthly payment along with funds needed to purchase a property and different purchase prices. This leaves no surprises for my clients and they can confidently search for a new home knowing what the payment can be and how much funds may be needed to purchase it.

A recipe card won’t say you need a bowl or a knife, because there is an assumption that every kitchen is equipped with bowls and knives. The recipe only lists the tools you may not have.
<ul>
<li>What tools are assumed for your business, and</li>
<li>Which, like a mandolin, are used by real pros in your industry.</li>
</ul>

Other Ways to Participate | Tools | PowerCore.net

Other Ways to Participate | Tools

Recognizing a Team for 100% participation in the Referral Trigger response.

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Building Contractor

When I started digging into Phil Terranova's past, I had to do a double take. I mean, the guy looks great for his age—remarkable, even, considering he was born in 1919. In fact, his obituary, published in March of 2000, reported that he had left this world two decades ago. But apparently, rumors of Phil’s demise were greatly exaggerated. Today, he’s living proof that you can’t believe everything you read in the news—and that you can take a punch from time and still get back up, sprightly as ever.
&nbsp;Phil's survival skills aren't just limited to cheating death, though. Take his love life, for example. Around Thanksgiving a few years ago, he met Lauren, a lovely woman who, at the time, was involved with someone else. But Phil knows a thing or two about patience, so he played the long game. And sure enough, five months later, he and Lauren were together, the former beau nowhere to be seen.
&nbsp;
&nbsp;Now, 17 years and three kids later, Phil and Lauren are still going strong. One might say his ability to survive in love is as remarkable as his ability to survive life, proving that even if you've been counted out, you can always pull off a comeback, whether it's from a premature obituary or a bumpy dating history. And through it all, Phil's resilience continues to be a testament to the power of patience—and a good sense of humor.
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Professionalism: Tasked with running a professional weekly meeting and directing the LeadershipCore in alignment with a proven success structure.

TeamCoOrdinator

Equality: Provides an equal platform for self-promotion so Members both recognize and receive referrals.

ParticipationCoOrdinator

Phil Terranova

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