Rose, Author at Business RadioX ® Page

Which Is Better, An Online Mortgage Lender or A Local Lender? “From The Heart and Sold Real Estate Show” with April Rooks and Cindy Vandiver

March 10, 2021 by Rose

From The Heart And Sold Real Estate Show

Which Is Better, An Online Mortgage Lender or A Local Lender? “From The Heart and Sold Real Estate Show” with April Rooks and Cindy Vandiver

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Home mortgage interest rates are still low. Homebuyers and those looking to refinance are shopping for the best deal possible.

So, during today’s “From The Heart and Sold Real Estate Show” April Rooks and Cindy Vandiver will be discussing the pros and cons of using an online lender vs a local lender.

Nearly half of the homebuyers out there do not shop around for the right lender or rates. And, it’s costing them.

The internet has brought about a whole new world of mortgage financing options.

And, as it is with everything else in the world — advertising is everything.

So, how do you know that you’re making the right choices for yourself and your finances? And, that you’re actually going to get what was advertised?

“If it seems too good to be true, it probably is!”

Onlne advertisers talk about:

1. Better rates
2. Convenience
3. Overnight Approval

And because consumers live in a space of instant gratification, we really do want and expect to have everything right now, at our fingertips!

Online can be a HUGE time saver. And it does come with its drawbacks.

You can call or text a local lender. If you’re working with an online lender, you need to expect that there will be delays in response time and truly personalized service.
You can walk into your local lender’s office. You can’t do that with an online lender.
If you need help, your local lender is a huge asset to you. You just won’t be able to get personal guidance and access to community relationships from an online lender.
Many times rates are better with a local lender than with an online lender. They usually are more firm and locked in, too!

From the Heart Moment

Conditioned Air Systems recently installed an HVAC unit in the home of a local family that had no heat for the winter. They were struggling and simply couldn’t afford to get the work done. The relief and gratitude the family experienced were so touching.

We’ve all struggled at some point in our lives. And to have someone do something so special is miraculous. And we really want to acknowledge and thank our community for doing so much for so many.

Contact April Rooks:
aprilrooksrealty@gmail.com
678 851 4992

Connect With April and Cindy:

@realtoraprilrooks
https://www.facebook.com/aprilrooksrealty/

@cindyvandiver1
https://www.facebook.com/CindyVandiverMortgageBanker/

Disclaimer: This podcast features Mortgage Banker, Cindy Vandiver, NMLS 164102, at Stockton Mortgage, NMLS 8259, Equal Housing Lender. Views and opinions expressed are those of Ms. Vandiver and do not necessarily reflect those of Stockton Mortgage. Ms. Vandiver’s information should not be considered to be legal or tax advice.

Real Estate Investing “From The Heart and Sold Real Estate Show” with April Rooks and Cindy Vandiver

March 4, 2021 by Rose

From The Heart And Sold Real Estate Show

Real Estate Investing “From The Heart and Sold Real Estate Show” with April Rooks and Cindy Vandiver

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Buy land, they’re not making it anymore.” — Mark Twain

Real Estate Investing can set you up with a great cash flow for your future!

Join April Rooks and Cindy Vandiver for a candid conversation about the basics of Real Estate Investing during this episode of the “From The Heart and Sold Real Estate Show”.

Investing in real estate has created enormous wealth for many people. As Cindy points out, “Buy land early. It’s like a 401(k). If you don’t do it early, you don’t reap the benefits over time.”

Advantages of Investing in Real Estate:

1. Great way to build passive income.
2. Predictable cash-flow when done right.
3. Real estate appreciates in value.
4. Real estate can be leveraged — ex: 1031 exchange.
5. Can provide retirement cash-flow.
6. Many different ways to invest in real estate.

Prepare Yourself Financially To Invest In Real Estate

1. Expect a 20 – 25% down payment on the purchase price
2. Banks need to see a minimum of 6 months cash reserves on hand to cover the principal, interest, taxes and insurance in an account to cover expenses should something not work out as expected.
3. Expect that interest rates will be higher than for a primary residence.
4. The banks like to see good debt to income ratios.
5. Take the time to do your homework so you can understand and accurately calculate ROI and risk.

This week’s “From The Heart Moment”

Kay Blackstock from the Georgia Mountain Food Bank was recently involved in an event with the Gainesville Housing Authority and a number of other organizations in Gainesville — the Gainesville Police Department, the Boys and Girl Club, Andrea Cheeks, Sean Watson, just to name a few. They served food to over 800 families during the event. All of the extra food was shared with the St. John Baptist Church later that day!

Contact April Rooks:
aprilrooksrealty@gmail.com
678 851 4992

Connect With April and Cindy:

@realtoraprilrooks
https://www.facebook.com/aprilrooksrealty/

@cindyvandiver1
https://www.facebook.com/CindyVandiverMortgageBanker/

RichLife Retirement Show with Beau Henderson and Bill Maine #025

February 28, 2021 by Rose

North Georgia Business Radio

RichLife Retirement Show with Beau Henderson and Bill Maine #025

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Join Beau Henderson, CEO of RichLife Advisors and Bill Maine from WDUN for a conversation about:

· Are you setting yourself up for an IRS Audit?

· The fee that’s annoying you the most may not be the one that’s costing you the most!

· What you need to consider when you’re deciding how to take your pension benefits

About Beau Henderson:

Beau Henderson is a retirement planning specialist located in Gainesville, GA, a USA Today and Wall Street Journal best-selling author, and the founder and visionary of RichLife Advisors. He has helped more than 3,000 clients to not only improve their relationship with money, but to live their unique definition of a fulfilled, meaningful retirement with purpose.

Through his innovative RichLife Retirement Success Strategy™, Beau and his team at RichLife Advisors help families across the United States approaching retirement to properly address the six components a successful retirement:

Maximizing income (including Social Security)
Optimizing assets for long-term growth
Paying less in taxes
Planning for healthcare
Protecting the people and things that they care about the most and
Addressing non-financial considerations to ultimately living their unique definition of a RichLife in retirement

Beau is an avid local business advocate, podcast enthusiast and studio owner of North Georgia Business RadioX. He was recognized as Junior Achievement’s Business Partnership of the Year in 2016 for his efforts and commitment to increasing financial literacy in the community.

Website:

RichLifeAdvisors.com

Contact Beau:

EMAIL
Info@RichLifeAdvisors.com

PHONE
(770) 249-7424

Connect with Beau:

Facebook — https://Facebook.com/RichLifeAdvisors
Twitter — https://Twitter.com/RichLifeAdvisor
LinkedIn.com — https://www.linkedin.com/in/beauhenderson/

Senior Transitions and Reverse Mortgages “From The Heart and Sold Real Estate Show” with April Rooks and Cindy Vandiver

February 24, 2021 by Rose

From The Heart And Sold Real Estate Show

Senior Transitions and Reverse Mortgages "From The Heart and Sold Real Estate Show" with April Rooks and Cindy Vandiver

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Helping parents or grandparents with senior transitions can be extremely confusing and challenging.

As one woman April worked with said…

“Gettin’ old ain’t for sissies!”

Before returning to work in the Real Estate industry, April worked in the Senior Care field for seven years.

She helped seniors and their families with all of their care needs during a very, very challenging time of life for everyone.

One thing she realized after helping with her grandmother’s transition and then helping many other families navigate through those transitions, having a solid care plan created in conjunction with someone’s other health care providers, is absolutely essential.

Also, knowing where to find trustworthy information and help is critical.

There are a lot of resources out there — the big problem is most people don’t know they even exist.

For example, many Gainesville residents don’t know there is an adult daycare center located within the community that can help working families care for their elderly loved ones.

The Guest House Adult Day Health Services
320 Tower Heights Rd
Gainesville, GA 30501
General Info: (770) 535-1487

There are also programs available to Veterans that can help, too.

April is one of the few Realtors who specializes in Senior Transitions.

Cindy helps seniors and their families with Reverse Mortgages.

There’s a lot of misinformation and misconceptions about Reverse Mortgages out there.

She is happy to help answer any questions about them so that senior couples and their children can decide if a reverse mortgage is right for their individual situation.

From The Heart Moment

Over Christmas, Beronica from Dorcas Place — a mobile, nonprofit children’s clothing closet — sponsored Christmas Blessings an event during which she collected toys in conjunction with The Edge Church. Everything went directly to the children.

Dorcas Place Gainesville is a community-oriented organization that provides families in need with new or gently used children’s clothing and shoes, and hygiene items for FREE.

If you’d like more information about Dorcas Place:
https://dorcasgazelle936.wixsite.com/dorcasplace/

If you need assistance:
https://dorcasgazelle936.wixsite.com/dorcasplace/apply/

Contact April Rooks:
aprilrooksrealty@gmail.com
678 851 4992

Connect With April and Cindy:

@realtoraprilrooks
https://www.facebook.com/aprilrooksrealty/

@cindyvandiver1
https://www.facebook.com/CindyVandiverMortgageBanker/

RichLife Retirement Show with Beau Henderson and Bill Maine #024

February 21, 2021 by Rose

North Georgia Business Radio

RichLife Retirement Show with Beau Henderson and Bill Maine #024

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Join Beau Henderson, CEO of RichLife Advisors and Bill Maine from WDUN for a conversation about the market and what to expect, what you need to know about Social Security, and important numbers you need to know in retirement!

About Beau Henderson:

Through his innovative RichLife Retirement Success Strategy™, Beau and his team at RichLife Advisors help families across the United States approaching retirement to properly address the six components a successful retirement:

Maximizing income (including Social Security)
Optimizing assets for long-term growth
Paying less in taxes
Planning for healthcare
Protecting the people and things that they care about the most and
Addressing non-financial considerations to ultimately living their unique definition of a RichLife in retirement

Website:

RichLifeAdvisors.com

Contact Beau:

EMAIL
Info@RichLifeAdvisors.com

PHONE
(770) 249-7424

Connect with Beau:

Facebook — https://Facebook.com/RichLifeAdvisors
Twitter — https://Twitter.com/RichLifeAdvisor
LinkedIn.com — https://www.linkedin.com/in/beauhenderson/

No Down Payment Loans “From The Heart And Sold Real Estate Show” with April Rooks and Cindy Vandiver

February 17, 2021 by Rose

From The Heart And Sold Real Estate Show

No Down Payment Loans “From The Heart And Sold Real Estate Show” with April Rooks and Cindy Vandiver

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Cindy Vandiver and April Rooks talk about the incredible benefits of using No Down Payment Home Loans to purchase a home in North GA.

If you’re thinking that NOW would be the perfect time to purchase a home if you had the down payment, you will definitely want to listen to what Cindy and April have to say about no down payment loans…

Cindy shares the things you need to know about qualifying for this type of loan:

The areas in North GA that are eligible for this special type of loan — not all areas are eligible!
The financial information and documentation you need to provide to the USDA to qualify for a No Down Payment Loan (it’s very different from applying for a regular home loan).
Rules and restrictions for no down payment loans.
Why it’s important to get both pre-qualified and pre-approved — Cindy is an expert in this area — call her at 706 – 219 – 2500!

Why would you want to take advantage of using a No Down Payment Loan to buy a home?

Many times owning a home is CHEAPER than renting.
Owning real estate is the cornerstone of building wealth. Given enough time, real estate will appreciate — meaning your property is worth more than what you paid for it.
When you rent, you are building someone else’s wealth, not your own.

From The Heart Moment…

April KNOWS first-hand that music is a powerful place for healing. She has personally experienced the impact of music through her own life and witnessed it in the lives of the children she has taught piano and voice.

She is passionate about bringing a shift into our communities through investing in the children who have been abused, neglected, and are currently in the foster care system and under the care of a CASA volunteer.

In 2018 she founded the AMPED Kids Foundation — a 501(c)3 — with a mission to positively impact the lives of foster children by providing access to free private music instruction and other music programs throughout Georgia. Amped Kids is lifting up children and giving them a voice.

2020 was a difficult year for everyone — especially young, aspiring musicians who want to perform live — due to COVID and physical distancing.

AMPED Kids was able to host one live show during which instruments were given out to some of the children.

One young man, who had a particularly hard time understanding that he was being GIVEN an instrument, made a point of going to April and thanking her personally for everything.

It’s one thing to know that you’re making a difference, it’s something else entirely to SEE the difference you made for someone shining all over their face!

Contact April Rooks:
aprilrooksrealty@gmail.com
678 851 4992

Connect With April and Cindy:

@realtoraprilrooks
https://www.facebook.com/aprilrooksrealty/

@cindyvandiver1
https://www.facebook.com/CindyVandiverMortgageBanker/

RichLife Retirement Show with Beau Henderson and Bill Maine #023

February 14, 2021 by Rose

North Georgia Business Radio

RichLife Retirement Show with Beau Henderson and Bill Maine #023

00:00 / 24:50

Join Beau Henderson, CEO of RichLife Advisors and Bill Maine from WDUN for a conversation about:

1. Why some people are taxed on their Social Security benefits and others are not…

2. A powerful member of Congress has complained that the stock market isn’t working the way it’s “supposed to”. We’re digging into what that “really” means!

3. Upcoming local North GA Social Security workshops…

4. And, a Valentine’s Day gift men can (and should) give to the special women in their lives!

About Beau Henderson:

Maximizing income (including Social Security)
Optimizing assets for long-term growth
Paying less in taxes
Planning for healthcare
Protecting the people and things that they care about the most and
Addressing non-financial considerations to ultimately living their unique definition of a RichLife in retirement

Website:

RichLifeAdvisors.com

Contact Beau:

EMAIL
Info@RichLifeAdvisors.com

PHONE
(770) 249-7424

Connect with Beau:

Facebook — https://Facebook.com/RichLifeAdvisors
Twitter — https://Twitter.com/RichLifeAdvisor
LinkedIn.com — https://www.linkedin.com/in/beauhenderson/

New Beginnings “From The Heart And Sold Real Estate Show” with April Rooks and Cindy Vandiver

February 10, 2021 by Rose

From The Heart And Sold Real Estate Show

New Beginnings "From The Heart And Sold Real Estate Show" with April Rooks and Cindy Vandiver

00:00 / 25:22

Today’s “From The Heart and Sold Real Estate Show” is all about New Beginnings!

If we have learned nothing else from 2020, we’ve learned that New Beginnings are always possible.

Of the many lessons learned:

Multitasking and working from home with a house full of people, although challenging at times, is quite doable and even fun!
There are always new ways to do things — even when entire industries are turned upside down and inside out!
There is tremendous value to be found in the simple things life has to offer us.
Learning new technology — especially how to use Zoom — has been really beneficial for everyone!
Nothing beats the value of the relationships we create with the people we truly serve and help straight from the heart!

Housing and Lending Forecast for 2021:

Right now we’re seeing:

Higher home prices
Lower inventory (inventory is down by half – definitely a seller’s market)
Lower mortgage rates

Toward the end of 2021 we expect to see:

Interest rates to rise after the stock market and political fronts simmer down a bit more.
Expecting a buyer’s market toward the end of the year as different market sectors level out.

What this means is that many Millenials and Gen Z will be seeing higher home prices and mortgage rates. Right now is the best time to buy a new home. Getting pre-qualified so you can close quickly is really important.

New home construction is on the rise. And, expected to increase by 9% by the end of the year. This is will help boost the inventory.
Building costs are currently very high. Hopefully, with certain improvements to material shortages in the the supply-chain, those costs will start coming down by the end of the year.
There has been a spike in land purchases, leading to an increase in construction loans. Stockton Mortgage has some excellent options available for modular and mobile home construction.

Bankruptcy and New Beginnings

Bankruptcy is a temporary thing. Most people don’t realize they can finance the purchase of a new home 2 years after they’ve filed for bankruptcy if they manage their bankruptcy correctly.

A couple of tips to do that:

Reaffirm (in writing) one or two of your liabilities and stay current with the payments.
As soon as you can, get a credit card. Pay it down 7 – 10 days early every month to demonstrate you can handle revolving credit.

If you are facing bankruptcy or recently filed, please contact Cindy. She is an exceptional resource when it comes to recovering from bankruptcy and creating a plan to help you move forward in a positive way.

Educate Yourself

Dave Ramsey has a lot of great Real Estate focused information available on his website.
Robert Kiyosaki is known worldwide for his Real Estate Investing books and courses.

What are your Real Estate goals for the next two to five years?

April and Cindy are here to help you create a plan to turn them into reality for you and your family! Let them know what you want to accomplish.

Reach out to April — AprilRooksRealty@gmail.com — so she can help you get started with the right information and resources!

From The Heart Moment

A salute to our local North GA Healthcare Heroes!

Your hard work, dedication, care, love, and sacrifice are appreciated so very much during these unprecedented times. Thank you for putting everything you’ve got on the frontline to take such good care of all our friends and families.

Your example has shown us that the only way through all of this is for everyone to come together as a community — something the entire world needs more of right now!

Contact April Rooks:
aprilrooksrealty@gmail.com
678 851 4992

Connect With April and Cindy:

@realtoraprilrooks
https://www.facebook.com/aprilrooksrealty/

@cindyvandiver1
https://www.facebook.com/CindyVandiverMortgageBanker/

RichLife Retirement Show with Beau Henderson and Bill Maine #022

February 7, 2021 by Rose

North Georgia Business Radio

RichLife Retirement Show with Beau Henderson and Bill Maine #022

00:00 / 24:50

Join Beau Henderson, CEO of RichLife Advisors and Bill Maine from WDUN for a conversation about proposed tax changes that could impact your retirement, why you just might want to be rooting for the Buccaneers tonight, and upcoming Social Security workshop dates!

About Beau Henderson:

Maximizing income (including Social Security)
Optimizing assets for long-term growth
Paying less in taxes
Planning for healthcare
Protecting the people and things that they care about the most and
Addressing non-financial considerations to ultimately living their unique definition of a RichLife in retirement

Website:

RichLifeAdvisors.com

Contact Beau:

EMAIL
Info@RichLifeAdvisors.com

PHONE
(770) 249-7424

Connect with Beau:

Facebook — https://Facebook.com/RichLifeAdvisors
Twitter — https://Twitter.com/RichLifeAdvisor
LinkedIn.com — https://www.linkedin.com/in/beauhenderson/