FAQ: Approval & Closing

If you're looking to purchase a home or refinance your current home, here are some some frequently asked questions regarding Approval and Closing.

1. How long does it take to obtain loan approval?

The average number of days from application to approval will vary from lender to lender, however 7-10 business days is typical. Depending on your credit history, down payment or equity in your home, and the loan program selected, some lenders may be able to approve your mortgage in less time.

2. How long will it take to close if I applied for my mortgage through a "pre-approval" program?

If you applied through a "pre-approval" program and were approved, some lenders can close within 3 weeks after a purchase contract has been signed. In most cases, 45-60 days from application to closing is typical. Each lender's timeframe will vary and the transaction itself may cause the timeframes to vary.

3. If I refinance my loan with my existing lender, will I have to pay all the closing costs again?

Typically, yes, as there is a cost to process any new loan application. This cost may include fees paid to third parties, such as the appraisal provider and the title and closing providers.

4. Will the lender agree to include my closing costs in the loan amount?

On a purchase transaction, you typically cannot finance your closing costs into the loan amount. Some lenders do, however, have special programs under which you may be able to finance some, or all, of the costs by agreeing to a slightly higher interest rate. Also, if you are refinancing, you may be able to refinance some, or all, of your closing costs.

5. How quickly can a lender close on my home loan?

Many lenders can facilitate closing 2 to 3 weeks after you have agreed on a purchase contract for a home. If you need more time, you can take as long as you need. However, keep in mind if you want to close after your rate lock expires, you will need to pay additional fees to protect your interest rate. Many lenders require 30-60 days from purchase contract and application to closing.

6. Can I close on a home without having to be at the closing table?

Many lenders are willing to accommodate what is termed a "mail away" closing. You may also appoint someone to act for you by using a Power of Attorney. In this scenario, you would actually assign someone to sign on your behalf. Each state has its own specific requirements, so please check with your closing agent for state specific requirements. If you select a "mail away," the lender will coordinate overnight delivery of the documents to ensure a timely closing. Please note this process may require some additional coordination time.

7. What is direct billing?

A direct billing program allows a relocation lender to pay all the non-recurring closing costs on your behalf and, in turn, bill them directly to your employer. This makes the closing process easier and reduces the out-of-pocket expenses you are responsible for at the time of closing. Direct billing is only available in certain situations.

8. How much money will be required at closing?

You should consult with your individual lender and closing agent; however, the amount of money needed for cash to close is comprised of your down payment, closing costs, as well as the prepaid items for your initial taxes and insurance escrow accounts. A lender is required to provide you with a good faith estimate of settlement costs at the time of application. Also, typically within 24 hours prior to your closing, the closing agent will provide you with the final sum of money required for the closing.

9. Does the lender require title insurance for purchase transactions?

Yes, a Mortgagee's Title Insurance Policy will be required on purchase transactions.

10. What homeowner's insurance requirements will I need to meet at closing?

Most lenders require a one-year paid receipt for homeowner's insurance policy for at least the amount of the mortgage at the loan closing.

11. What should an active duty service member consider before refinancing?

If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Service members Civil Relief Act or applicable state law.

Click here for more FAQs provided by Colorado Mortgage Alliance.

RE/MAX Alliance Wraps-Up Another Successful Agent Sales Mastery Day Event!

Each year RE/MAX Alliance provides their associates the opportunity to attend RE/MAX Alliance’s Sales Mastery Day. An event that brings the entire organization together for educational sessions, break-out panels, sales strategies, and updates on current and future technology tools.

This year’s event was held on February 7th at the Qwest Learning & Conference Center in Lakewood. In addition to the RE/MAX Alliance agents, staff and management, a number of sponsors and vendors were on-site to promote their services and products.

RE/MAX Alliance Announces David Knox Online Training for All Associates at NO Charge!

RE/MAX Alliance is thrilled to announce an exclusive, online David Knox training, mentoring, and education program for all of it's more than 800 real estate professionals in the Front Range of Colorado.  Even more exciting is that there will be no cost to RE/MAX Alliance Associates and affiliates for the training!  For a quick intro, please take a peek at the video posted below.

David Knox, an international speaker and trainer was a keynote speaker at RE/MAX Alliance's Mastery Day at the Arvada Center, near Denver in February.

RE/MAX Alliance Sales Mastery Day - February 9th at Arvada Center

RE/MAX Alliance, the third largest RE/MAX franchise in the world, has scheduled its annual Alliance Sales Mastery Day for Tuesday, February 9, 2010 at the Arvada Center. The theme of this year’s event is “On Target: Your Passport to Success.” The highly regarded educational forum includes keynote speaker David Knox, a widely respected international real estate sales trainer and owner of David Knox Productions, Inc. The Arvada Center for the Arts and Humanities is located at 6901 Wadsworth Boulevard. For more information and to register, visit www.masteryday.com.

Headliner David Knox is a noted authority on pricing, negotiating and selling. He presents his seminars to more than 20,000 sales people each year in the United States, Canada, Australia, New Zealand and South Africa. His presentation, titled Mastery of the Game of Selling, will show attendees how the “masters” of real estate achieve success.

Additional sessions include a global overview of the technology landscape presented by Kristi Granning and Marnie Blanco, senior IT officers with RE/MAX International, and “tips that work for buyers and sellers” presented by broker associates Jace Glick and Amanda DiVito of RE/MAX Alliance. Other sessions will focus on how technology has changed your business and added to your bottom line; creating urgency in this market; and how do you best manage a challenging property…short sale, bank or auction?

Additional speakers include David Behr, a Fortune 500 trainer, coach and speaker; Marnie Blanco, vice president of eBusiness for RE/MAX International.

Visit online today at www.masteryday.com for all the details and to register for the Alliance Sales Mastery Day on February 9th.

Top 10 negotiating rules for Realtors

BY RICH LEVIN, WEDNESDAY, JUNE 17, 2009.

Inman News <http://www.inman.com>

Editor's note: The following is a guest perspective by Rich Levin, a real estate coach and speaker.

Most agents have little or no specific training in negotiating, though it is a major component to an agent's success.

Negotiating is a skill like any other that is awkward at first and improves with practice. Some of these rules will take some time to implement effectively. Others you will be able to apply immediately. (Some of these rules refer to a situation in which you are presenting and negotiating directly versus through the other agent.)

Rule No. 1: Do not go back and forth between the buyer and seller more than twice or you make them crazy. At and after the third round, your chance of making the sale drops dramatically.

1. In the first round the buyer and seller are thinking about buying and selling the home.
2. In the second round the buyer and seller stop thinking about buying and selling the home and start thinking about the money.
3. At and after the third round they begin to resent each other. Both buyer and seller lose sight of the home and money. They begin to make it personal and focus on the other party.

Your buyers and sellers are not experienced negotiators. In fact, most have only experienced the often-negative negotiations when buying cars. So, they are predisposed to fear and discomfort in a negotiation. Others get caught up in the fight and just want to win no matter the cost or loss. Either way, these predispositions make it a lot harder for you. And you can avoid it if you shorten the negotiation.

Rule No. 2: Don't let the buyers and sellers come to dislike each other.

You take responsibility for what you convey to all parties. The most frequent reason buyers and sellers come to dislike each other is because the agent talks about one party to the other. So if you hear your client or yourself beginning to disparage the other client, intercede and suggest that whatever the reasons for the client's behavior might be, let's focus on putting together the sale and getting the move completed.

Rule No. 3: Stay focused on the goal of completing the sale.

Never let interruptions, the other party's emotions, emotional outburst, personality, position, or anything else distract you from the issues and the concessions that lead to completing the sale.

Stay calm. Listen. Empathize. Do not get involved in conversations about the party's personalities. Do not get emotionally hooked by the emotions of the client. Be a professional. Whether your clients know it or not, they want and need that kind of focused objectivity from you.

Rule No. 4: People believe what is in writing.

So, support your position in writing. If a comparative market analysis supports your position, prepare it. If certain comparables support your position, provide them. If a report supports your position, copy that portion and use it.

And most of all put your offer in writing. Don't negotiate verbally. I realize that it can work many times. I realize that some agents will insist on it and there is little you can do at those times. Please for your sake and for your client's sake make those times rare. Verbal negotiations are fraught with potential problems, misunderstandings, misinterpretations, omissions, as well as simple changing of minds. Put every step of the negotiation in writing.

Rule No. 5: When you give a concession, ask for something in return.

You may not get anything in return but asking dampens the motivation to ask for more. The seller wants another $3,000 in price and the buyer says, "If I accept that, I want the kitchen appliances." The seller says, "OK," and so the buyer says, "We have been thinking about it and we want the washer and dryer, too." The seller says, "OK."

So the buyer then asks for ... you get the idea. If the seller says "no" the first time, even if he or she ultimately ends up giving up the kitchen appliances to make the deal, asking for something in return dampens the buyer's motivation to ask for more.

Then, at the structural inspection or at the pre-closing inspection the earlier dampening of the buyer's motivation carries forward and dampens the buyer's motivation to ask for too much later.

Rule No. 6: Never take the first offer too quickly or easily.

It sends a message that may make your job more difficult later. When you have an offer accepted quickly, wait a few hours to call the buyer. Then, don't emphasize that it was easy.

On this same topic, don't tell the buyer they have bought the house or the seller they have sold the house just because they have an accepted offer ... because they haven't. The house isn't sold until there are attorneys' approvals, approved inspections, a mortgage commitment and all other contingencies are removed.

Instead of saying, "Congratulations, you got it," say, "Congratulations, you are on your way. We want to get the attorney's blessing, get through the structural inspection and get through the bank process. I don't expect any problems so I think you have a great home."

Rule No. 7: Never gloat.

I remember walking into a seller's house with a full-price offer, all cash, and only attorney's approval as a contingency. It had the closing date the seller wanted, no personal property. I was proud and pleased. This one was going to be easy.

So I strutted in with swagger and a smile. I said, "You guys are gonna love this offer."

Well, as you might expect, they questioned me and challenged me about everything from the legitimacy of my buyer to where their cash was coming from -- all because I didn't have the good sense and sensitivity to realize these people are moving their lives. I treated it like a game and they quickly reminded me of the offer's importance to them.

The next time I had the situation I talked about how hard I worked to get them as much of what they wanted as I could. I couldn't get it all but I hoped we were close enough to come to an agreement. They looked at the great offer and said, "Rich, you did great. We can accept this as it is." Lesson learned.

Rule No. 8: When you hit an impasse, settle everything else first and return to it.

As you present the offer to the seller and you reach an item they don't accept, make a note to come back to it and get agreement on everything else first. Then, once you are through the offer completely, you will have isolated all the items, if there is more than one, that requires negotiation. You will find that at that point the negotiation goes easier. There is nothing else on their mind and they know that this item or these items will complete the transaction. By doing this you create a momentum that carries you to success more easily.

Rule No. 9: Get the other party to negotiate with themselves. Never negotiate with yourself.

This is a more aggressive rule. Above, in Rule No. 4, I said to always get your negotiations in writing. This is the exception that proves the rule.

Watch. I am sitting with the seller reviewing an offer by the buyer's agent. The seller is willing to accept it and doesn't want to lose the buyer or the sale. I say to them, "Let's see what I can do without risking the sale."

I call the other agent and ask if the agent can reach their buyer. They say, "Yes." I tell them that the sellers are in the room and they are really close to accepting the offer. If we could get another $1,500 it's a done deal. Could they check with the buyers and see if they would move at all? And if they will, I want to get it wrapped up tonight while everyone is in agreement.

Ten minutes later the agent called to tell me they'll do it or they'll do $500 or $1,000 or nothing. A vast majority of the time I'll get more and make the seller very happy with me. If the buyers won't move I call the buyer's agent back in five minutes, tell them that their offer was accepted as is, and compliment them on their smart negotiation.

You may or may not approve of this methodology. I am not condoning or condemning it. I am just using it as an example of, "Get the other party to negotiate with themselves. Never negotiate with yourself.

Rule No. 10: Do not use these rules and approaches carelessly.

When these rules are applied or are done awkwardly or carelessly they cause your clients to distrust you. Be careful.

Done with care and confidence (and practice), you are going to have a lot more fun, be a lot more productive, preserve more time, and get the admiration and referrals from your clients because you will make them more comfortable in addition to getting them more money with your negotiating skills.

Rich Levin <http://richlevin.com/rich_levins_final_richbio.aspx> is a real estate coach and speaker. He has worked as a real estate agent, manager, and broker-owner.

Failure or Success - Which one are you afraid of?

Are you done doubting yourself?

When was the last time that you accomplished something huge?

That's an easy question for Helen Phillips.

Last month Helen wowed the world with her dramatic transformation on the NBC show The Biggest Loser. At 48 years of age she is the oldest contestant to win the weight loss competition, shedding 140 pounds and 54.7% of her body weight.

I'd call losing more than half of your body weight a huge accomplishment - wouldn't you?

The crazy part is that Helen was clearly the underdog. She was simply too old and too fat to win. At least that was what the other contestants thought.

And that's what Helen thought too.

"I never believed in myself in the beginning," she admits. However when a doctor told her that she was living in the body of a 60 year old woman, Helen got serious.

"I'm tired of doubting myself," she decided and something inside of her head clicked into place. "The minute I started doing that, things changed for me."

And, oh, how she changed.

Helen buckled down and made losing weight her only focus. Her hard work paid off, giving her the prized title of the Biggest Loser.

She accomplished something huge and now her life is vastly improved. "I feel so good! I feel like I can do anything," she told reporters with a huge smile.

Helen also had a message for you. "If I can do it, you can do it."

I have to agree with her.

If a 48 year old, 257 pound woman can transform her body from a size 22 to a size 2, then anyone really can do it. Think for a moment of that huge accomplishment that you haven't made. Maybe it's a weight loss goal that you've had for years. Maybe it's something completely unrelated to your weight.

What's holding you back?

Are you afraid you'll fail?

The fear of failure is a powerful thing. No one likes to fail, and repeat failure is even worse. So what can you do to conquer it?
• Realize that failure isn't the worst outcome. Not trying is.
• You only fail when you decide to give up. Get up and try again!
Are you afraid you'll succeed?

You may not realize it, but most people fear success. Success means change and change can be scary. It is important that you embrace the idea of success and ditch any negative self talk.
• Close your eyes and picture yourself accomplishing your goal. What will that accomplishment do for your life? List the benefits you'll enjoy.
• Spend a few minutes each day visualizing yourself accomplishing your goal. How great does it feel? Savor those victorious emotions and use them to drive your motivation.
Helen didn't believe in herself, until one day she decided that she was done doubting.

Are you done doubting?

When you're ready to transform your body, like Helen did, I'm here to help. Is NOW a good time? Call or email, and let's get started on a program that will really improve your life.

It's your turn to accomplish something huge.
Who Knew?

While being interviewed after her victory Helen revealed the secret behind her staggering weight loss. "Who knew diet and exercise really were the answer?" It always comes back to diet and exercise. When it comes to losing weight forget about the fad diets, the pills and the potions. Focus on your diet and focus on your exercise plan then you too will see amazing results.
Click here to request your FREE Consultation

 

Danielle Dupree, NASM-CPT
W8trainHer Fitness, LLC
8775 East Orchard Road, #819
Greenwood Village, CO 80111
720-810-0047
w8trainher@gmail.com
www.w8trainher.com (Coming soon!)

Do's Don'ts and Gotcha's of Social Networking

RE/MAX Alliance's own Brad Hanks offers his insights into Social Networking.

"People want to connect with people," Hanks says, going on to quote friend Jeff Turner of Real Estate Shows. "Social networking is about YEO - you engaging others."
And if you can learn quickly and follow the rules, Hanks says, there's tremendous business potential in social media.
"You can build a referral network and collaborate with experts to get answers to real estate questions," he says. "You can connect with past clients, prospect for new ones, market your services and improve your search engine optimization by expanding your Web footprint. And, what makes it even better is that it's all free to start."
The down side? Hanks warns that social media can suck all the time out of your day.
-- Excerpt taken from RE/MAX Times 6/2/2009. Please read the entire article in it's entirety on Mainstreet by clicking here.

8 Hour CREC Contracts Class - Only $95!

Alliance Sales Institute Presents - Broker's Guide
Broker's Duties and Standards of Care
Preparation, Presentation, Explanation & Transaction Management of the Colorado Contract to Buy and Sell Real Estate

There is no other contracts course like this one. Please join the course author and CAR approved instructor, Brad Katz for this 8 hour CREC Credit course. Please RSVP to the Park Meadows (303.796.1222) or Westminster (303.420.8800) offices.

Download the flyer for more information.

Free Realtor® Safety Class!

Safety Class - Thursday, April 23

rd

Park Meadows 10:00-12:00

-

Westminster 1:30-3:30

Realtors® face more on-the-job risks than many other business professionals. This course is designed to increase your awareness and enhance your ability to remain safe in the course of your business activities.

For more information, please download the flyer or RSVP to kimhawkins@remax.net

Mastery Day Roundup - Personal Mastery Programs

Some words from Al Killeen, Personal Mastery Programs

Hi,

Several years ago, I wrote this newsletter at time in the world where people were challenged by external circumstances and, accordingly, feeling under siege and disempowered.

I thought it was time to revisit where our power comes from, and how might get back in touch with it... to control what we can, and to live with what we can’t...

Please feel free to share it with whomever you feel it may help at this time.......:)

"How To Put The Power Back Into Your Life"

In America today, we are living in a vast population of disempowered people. It isn't government's fault, or the economy's, or the hand of fate.

It is self-created by multitudes of people through the way they approach the issues of power, trust, and commitments.
 
Power in individuals is a direct reflection of the congruity with which they take actions aligned with their core values and clarity of purpose in life. Trust in individuals is created through the consistency with which a person acts in accordance with their stated purpose. In other words, people have power and can be trusted to the extent that they know themselves clearly, and that they are willing to take actions that are direct reflections of their "word".
 
A person's "word" is a person's expression or declaration to the world of their deepest promise, their purest expression of being. A person's promise is a powerful and sacred thing. When it is given, it should be so solid that there is never any doubt as to the extreme likelihood that whatever has been promised will occur, to the absolute extent of the giver's ability to make it happen.
 
I'm going to call people who operate in the above-described manner "whole", or "Commitment type 1" people.

"Commitment type 1" people are people who:

- show up at appointments or meetings on time or early;

- never make flimsy excuses for breaking their word;

- are in control of their lives as much as any human being can be;

- are clear as to who they are and what they stand for in life;

- are courageous in standing up for the core values and principles they believe in;

- are willing to be ruthless in controlling their calendars, commitments and circumstances in life, rather than being controlled by them;

- can be trusted to do what they say they will do in life;

- have power to direct their lives to selected futures with great certainty of the outcome;

- rarely have to make excuses for breaking commitments or appointments;

- operate with a discernable air of control and calm, regardless of circumstances.

Now let's talk about the other type of person, the "incongruent" or "Commitment type 2" person. This person is disempowered in life by being untrustworthy to complete what they commit to. They don't mean to be this way. In fact, they are often the most noble and well-intentioned of people. Therein lies the problem. They are so "well-intentioned", they treat commitments as mere intentions subject to non-fulfillment should any circumstances arise that cause a change of priority. Often times, these circumstances aren't even that important. It simply becomes a methodology of operating where commitments are treated as intentions, and then violated (i.e. not completed or fulfilled) because a new commitment or circumstance comes up that interrupts the willingness to honor the original commitment.
 
The problem with "Commitment type 2" people is that they rob themselves of power and trustworthiness in life. Other people know that they treat commitments as mere intentions (rather than promises), and accordingly accommodate the anticipated violation of that commitment. These are the people who are always late to appointments or meetings. These are the people that other people shake their heads at and laugh when they make commitments. They are expected to dishonor their commitments, and the world supports their disjunctive, incongruent behavior.
 
The sad reality about "Commitment type 2" people is that they really can't even trust themselves. They know they mean well, but a sense of powerlessness sets in when a person operates in this manner in their life. Also, a sense of emptiness can occur, because these people often have the highest of core values that they believe in, yet are unable to build a life that reflects those values.
 

"Commitment type 2 people":

- often show up late to appointments or meetings, or cancel them at the last minute;

- are often afraid to say "no" to others, which results in still more over-commitment and further disempowerment;

- fear the confrontation of saying "no" to others, more than they realize the devastating effects of being incongruent to their stated values in life;

- often have to make excuses for consistent violation of what they commit to (which others may take as promises, but they exhibit as mere intentions);

- feel a sense of being out of control of their lives, and their calendars;

- cannot be trusted when making commitments, even by themselves;

- are controlled by circumstances in their lives, rather than controlling their own life;

- often grow discouraged as to their actual ability to create what they desire in their lives;

- often display a sense of anxiety or angst in their daily activities, as though they are barely in control.

So, the final decision is up to you. Are you going to live your life as a "Commitment type 1" person who can trust himself or herself to treat any commitments made as though they are promises, expressions of their "word"?
Or are you going to settle for being a "Commitment type 2" person who gives away their control in life to circumstances by treating commitments as mere intentions.
 
You are not doomed to continue being a "Commitment type 2" person in the future just because you may have been one in the past. In fact, you will experience transformational epiphany with the courage to declare yourself a "Commitment type 1" person from now on, and hold yourself accountable to being so.
 
It's your choice.
 
The choice you make will determine, directly, the power that you have over the results that you will achieve in life, whether in business, relationships, or in any other domain...
 
I Promise....  
 

"Our deeds determine us,
as much as we determine our deeds..."

- George Eliot –
 

--

Al Killeen

Personal Mastery Programs

4730 Walnut Street, Suite 108
Boulder, Colorado 80301
(Ofc) 303-544-2113
(Cell) 303-478-6344
(e-mail)

alk@personalmasteryprograms.com

(web)

www.personalmasteryprograms.com

(fax) 303-544-2117

When did you last attend FAST Training?

If your answer is "what is Fast Training?" or "I don't remember," then maybe it's time to come to FAST Training.

Every month, RE/MAX Alliance holds FAST Training which is a fast paced, fun, and educational overview of all of the tools and services that are provided to our associates. As you know, the world changes fast. You might even say it changes FAST, and that's why FAST Training is available to all of our agents at any time. We used to call FAST Training 'Orientation', which in many ways it still is, but it's now 'Fantastic Alliance Services and Tools' which is a much more appropriate term.

Need a refresher on all of the ways you can use your website to enhance your business?

Having a tough time justifying your advertising budget and need some lower or no cost marketing options?

Can't remember some of the great reasons why you joined RE/MAX Alliance?

Come to FAST Training! It's easy -

• Once a month, the last Friday of every month (There's one in Westminster on February 20th)
• The location alternates between Westminster and Park Meadows
* Just tell your Office Administrator when you will be attending

Full Agenda for Mastery Day Now Available

8:15 Registration
Have you registered yet? Don't miss out on this opportunity! Register Now!

9:00 - 10:45 Keynote Speaker Margaret Kelly, Awards Ceremony
We are thrilled to welcome Margaret Kelly, CEO of RE/MAX International as our keynote speaker.
RE/MAX Club Level Awards will be presented and Alliance associates will be recognized for their achievements.

11:00 - 12:00 Industry Panel, Real Estate Overview from the Top
What questions would you ask if you could speak to leaders in the industry? Now is your chance!


• Margaret Kelly - RE/MAX International
• Howard Brinton - Star Power Systems
• David Mandarich - Richmond Homes
• Mark Samuelson - Denver Newspaper Agency
• Dean Haugen - Wells Fargo

12:00 - 12:30 Lunch

12:30 - 1:30 Breakout Sessions
• Just Do It! - Attitude and Accomplishments
• Unraveling the Economic Mystery
• Can Social Networking ‘Work’ for You?
• Purchasing Real Estate in Your 401k

1:45 - 2:45 Breakout Sessions Repeat

3:00 - 3:50 Al Kileen, Effectively Pursuing Opportunities in Today's Market
I have two different types of animals that I watch every day in my parking lot of my office building; rabbits and foxes.

3:50 - ? Cocktails, Networking

Howard Brinton Coming to Mastery Day!

Generous, knowledgeable, experienced, wise and entertaining. These are a few of the initial impressions you will hear from people who are familiar with Howard's programs and presentations. Everything you look for in a dynamic educator, you'll find in Howard Brinton. Howard has a pulse on the heartbeat of the real estate industry from first-hand experience.

For more information about Howard Brinton or Star Power Systems, visit www.gostarpower.com.

Have you registered for Mastery Day? Register Now!

Registration for Mastery Day is now available online!

Registration is now available online! It's simple, secure and only takes a couple of moments.

Don't miss out on Alliance Sales Mastery Day! This is an excellent opportunity to jump start your business as we move in to the busier Spring and Summer seasons.

Visit www.allthingsalliance.com/asmd to register!

February 10, 2009 at the Arvada Center for Performing Arts.

FREE Real Estate Coaching Session with Terry Watson - 1/13/09

Wells Fargo Home Mortgage CENTER STAGE workshops feature some of today's most sought-after speakers in the real estate industry, including Terry Watson. He's a great source for proven business strategies, new ideas and valuable inspiration. Terry will share with you his techniques for effectively reaching more homebuyers and sellers TODAY!

Terry reached the status as one of the nation's top agents before 25. He is one of only 156 people in the world to hold the Distinguished Real Estate Instructor (DREI) designation and so far is the youngest person ever to be named as such.

Click Here to Download the PDF Flyer

This dynamic, insightful session will be at the location, time and date below:

INVESCO Field at Mile High

West Club Lounge
1701 Bryant Street
Denver, CO

Tuesday, January 13, 2009
9:00 a.m. to 1:00 p.m.

Full Breakfast will be served

Reserve your seat today! www.wellsfargo.com/events (select Real Estate Professionals, then Center Stage)

Mark Your Calendar for Mastery Day!

The 3rd annual RE/MAX Alliance Sales Mastery Day will be held on February 10, 2009 at the Arvada Center for Performing Arts. As in years past, we are pleased to offer a full day of education, networking, and exposure to industry professionals.

This year we are thrilled to announce our keynote speaker, CEO of RE/MAX International, Margaret Kelly!
You may register with your office administrator anytime from now to February, or you may visit the link below to register online (coming soon).
For more information, please visit

www.allthingsalliance.com/events/asmd