Michael D Steller Loan Officer Academy Mortgage 300 Union Blvd Suite 650 Lakewood CO 80228 Direct: 720-224-1679 Office: 303-914-3820
www.michaelstellerhomeloans.com NMLS: 501897 CO Lic: 100049329 Corp: NMLS #3113 Regulated by the Colorado Division of Real Estate
Editor’s Note The real estate business is crowded, isn’t it? What makes you stand out? Why should clients choose you? These are just some of the questions you’ll find in this issue focused on helping you define your service so you can gain competitive advantages. If you’re lost in the crowd then essentially you’re invisible. Too often, in the hustle and bustle of real estate, it’s easy to go in too many directions instead of having a solid game plan that you follow closely. Knowing how to promote your service and gain the spotlight makes it easier for prospects to find you. I share some thought provoking questions that help you decide the best course of action. I even raise the idea of mentoring. It can be the shortcut to success! OK, I know shortcuts to success aren’t realistic, but you can accelerate your learning curve from someone’s experience, right? A mentor can help you avoid the pitfalls and find success faster. If you don’t have a mentor already hopefully you’ll find the article informative and see why and how a mentor can make a difference. In the marketing department, I deliver tips that help you get the most out of your website and farming your neighborhood electronically, and share some rules for postcard marketing. All 3 things can work together to help you get more leads. Leads are the lifeline of your business. Lead generation is either the culprit for failure or the reason for success. If there is a steady stream of leads at your doorstep your odds for success increase greatly. Enjoy this issue, but most importantly, take action from the ideas that inspire you!
Contact Me! Feel free to contact me if you have questions or would like your peers added to the distribution list.
Michael D Steller Academy Mortgage Loan Officer 300 Union Blvd Suite Suite #650 Lakewood, CO 80228 Ph: 303303-914914-3820 Mb: 720720-224224-1679 Office: 303303-914914-3820 Email: michael.steller@academymortgage.com LO NMLS: 501897 State Lic: 100049329 Corp Lic# 3113 Regulation by the Colorado Division of Real Estate. Estate
This information is provided exclusively to real estate professionals and is not intended for public use. This is not an advertisement to extend consumer credit. All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts. This magazine is only to be delivered to real estate agents, not consumers. This is not to be shared with the public.
CONTENTS
10. Why Are You Better Than the Rest?
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Mentoring to Grow How You Can Benefit From a Mentor
You are only one out of millions in the US; in fact, in large cities like LA, NY, or Chicago, there are quite a few agents working these saturated markets. For this reason, working with a mentor, who has been in real estate transactions for many years, is a simple solution to learning the ropes. Rather than a book or seminars, learning from firsthand experience gives you more in depth knowledge of what they have done before you.
Knowledge The greatest benefit a mentor will bring is first hand knowledge.
Not only of how to sell, how to stage a home, and how to find the right clients, but also knowledge of the market. A mentor can teach you how the local market works, when peak listing months are, when to try and reach out to new buyers, and so forth. They will help you understand the market, the skills you need to sell, and how to apply knowledge about your local market, to sell homes.
Time Management A mentor can show you how to manage your time. If you have 10 potential buyers and are trying to work with 10 sellers simultaneously, you will
be stretched too thin to provide the right amount of care for each client. Instead, focus on the clientele that will pay off; you have to focus on buyers who are ready and committed to finding a home, rather than trying to draw in more potential clients, that might turn into a moot point. Besides managing time with buyers and sellers, you need to set up a website, market your skills, use local and online ads to sell yourself, and find a team that can help you. It is far more important to manage your time, and spend more time with fewer clients, rather than spend less time with
each, and lose the ones that really matter. A mentor can guide you through the tricky maze of managing time, and how to keep commitments to your clientele.
Confidence Sometimes you have more skills than competitors, know more about the local market, and have read more resources about selling homes than other agents. But, if you lack confidence and your ability to meet with potential clients, this will do nothing for you.
you post homes for sale in local bulletin boards, who can you reach and how can you build connections locally. The Internet is imperative, and you have to market yourself online. But, building relationships with other agents, the city, zoning boards, and other powerful people, is also important; a good mentor will show you how to reach out to the right people. There are several skills you might have as a new agent; but, if you
really want to excel, taking on a mentor, might be something you want to consider doing. Not only can they give you in depth knowledge on how the markets really work, but they can also give you much more, via their years of personal experience. The longer they have been in the industry, the more changes they have seen, so the more they know about adapting to it, and still remaining relevant as an agent.
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Building Your Electronic Farm Vital Marketing Tips Using Social Media You should be familiar with the way social media and mobile Internet access has re-defined marketing for real estate agents. Virtually every agent now uses at least one of the major social media platforms to market their services and communicate with potential customers. However, while you use online marketing to advertise your services, you should constantly look for effective ways to combine online and offline methods to farm a carefully chosen neighborhood.
These residents could easily become your clients when they need to sell their homes. Your page will also become valuable to potential buyers who are thinking about moving to the neighborhood.
in your chosen neighborhood that you are different from your competitors. Provide interesting and informative posts for members of the community.
Provide your fans with helpful tips about their homes, their neighborhood and other up-todate information on real estate.
• Ways to manage energy costs in the home
Show them that you care by calling their attention to new blog posts and information that will be useful to them. This will help them to see you as a friend and develop trust in you.
• How to improve security in your home
Social Media Promotion One of the best ways to farm a neighborhood is by creating a Facebook page where you interact regularly with residents.
Become an Authority with a Great Blog Use your blog to demonstrate your expertise as a real estate professional. Show the residents
Examples of topics you can write:
• How to budget and save for a new home
• Home decoration tips • Home maintenance tips • Home buying tips The aim of your blog should be to demonstrate your expertise and familiarity with the neighborhood while you develop a solid relationship with residents and other readers.
Once your readers trust you, they will most likely call on you first when they need your service. In addition, you should provide vital facts about the real estate market. But let your real estate marketing be done in a modest and professional way.
Market Your Real Estate Business With Testimonials With the ever increasing competition in the real estate market, there are many agents trying to woo few clients so your marketing strategy must give your prospective clients a compelling reason to call you for their next real estate transaction. The good news is that most of your competitors believe that if they can simply tell prospects how committed, competent, experienced and hard-working they are, the effort will attract new business. Unfortunately, these claims can no longer convince prospects to trust you. They are on virtually every real estate agent’s website. How can you get prospects to develop confidence in you quickly? The key is to let satisfied clients speak for you with well written, believable testimonials that also have some kind of contact information.
Since selling or buying a home involves such a huge financial transaction, you need to remove the initial anxiety that most prospective clients have. You can do this easily by giving them a chance to learn about the pleasant experiences that others have had with your service. Here are a few tips to help you get the best testimonials to put on your website:
Here are a few ideas for making online coupons: • Get a list of merchants that serve a large section of the targeted neighborhood • Contact them and provide a discount coupon to help them market their business for free • Create the coupon using one of the free coupon creation tools online
• Get testimonials for every major benefit you offer
• Put a link to your coupon page on your Facebook page and your blog
• Let your testimonials come from the neighborhood you are trying to farm
• Let your target residents know about your discount coupons
• Avoid editing your testimonials
If you mix the use of blogging, social media, testimonials, and discount coupons effectively, you will be engaging one of the best strategies of marketing for real estate agents. You will be known as a real estate professional who really cares for the people in your neighborhood farm and your revenue and profit will increase.
• Use a trust worthy third party to gather your testimonials
Use Money Saving Coupons to Help Neighborhood Residents Another powerful way to stand out among your competitors is to offer local coupons to residents in your neighborhood farm. You can show how much you care by obtaining special discount coupons from local merchants and giving them to current or prospective residents.
A testimonial is simply what your clients say about your services. They are a potent marketing tool because people will believe what others say about you more than what you choose to say about yourself. 7
Rules of Postcard Marketing If you have been in the real estate industry for a number of years, you have likely encountered postcard marketing one way or another. Though they lack the dynamism of social networks or roadside billboards, postcards are an effective marketing tool for successful realtors. Important factors about postcards is that production and distribution is rather easy, they are quite affordable and there is no need to be a marketing genius to create them! Realtors use postcard marketing for different reasons including versatility, cost effectiveness and simplicity. Effective postcards can help create a steady and increased flow of business. Below are some guidelines to ensure your postcards generate positive results.
Measure the Outcome It is necessary to measure “instant” and “over time” results of your postcard campaign. After a couple of days, some people may respond upon receiving a postcard. You may get requests for more information, e-mails or website registrations based on the action requested. You never know, a personal acknowledgement may come your way or a request to talk about buying or selling. Since postcards may generate initial appointments, sales and listings months after being mailed, be sure to record results. Each week track your sales, listings and initial appointments on a spreadsheet.
Write down which postcard generated positive results and the elements that made it successful. Don’t forget to assess your return on investment (ROI). Don’t be surprised if you find out that postcard campaigns return at least 4 times the cost.
Uphold Consistency in Branding and Frequency The main objective of marketing is to grow a powerful brand by creating awareness. This implies that each time your targeted audience thinks of real estate, your name comes to mind. When this happens, it clearly indicates that the targeted market associates your brand with victorious real estate dealings. Successful postcard frequency means mailing nine to twelve times annually to a higher-value market and four to twelve times annually to additional targeted markets.
How Will Your Audience Benefit? As you plan a postcard campaign, you should consider your audience’s mindset. The most crucial question on the minds of most clients is, “How will I benefit?” Your clients should know how they will benefit immediately the moment they look at your postcards. Here are some questions designed to help you brainstorm potential benefits: • What will they gain most from buying or selling a home now? • Why should clients care about buying or selling right now? • What do you offer that your competitors don’t and what do your clients gain from it? Your message should be brief and inspire them to take action. Always tell the reader what to do. Describe the steps they need to take to contact you or reply to your offer on the postcard.
Focus on High-Value Markets Targeting the high-value markets is another valuable strategy for successful postcard marketing. These are the markets that can bring the largest return on your investment and effort. By sending your postcards to high-value clients, you are most likely to generate positive results.
Here is a high-value market hierarchy: • The locality where you work or reside • Demographic or geographic markets where your face or name is well recognized • Your sphere of influence, which includes your previous clients
Well-Designed Postcards for Positive Outcome Postcard marketing can never be effective if the postcards are not properly designed so the designs need to be well crafted and purposeful for the targeted audience. Important elements to be included is your photo on both sides, a specific message for your targeted audience, photos of the property for sale, branding developed with consistency of design, fonts, color and layout and a strong call to action. Postcard marketing is about creativity and reliability. Clients need trustworthy agents. A well designed postcard will help prove your reliability. If you have your postcards designed according to the guidelines mentioned above, you will find that postcards can be powerful and a cost effective strategy.
Are You Getting FREE Leads from LinkedIn? Get 50 Powerful Ideas and Explode Your Growth! Request Your Report Today! Call Michael directly at 720-224-1679
Why Are You Better Than the Rest? How to Become a Great Self-Promoter As an agent, you are just one in a pool of millions; for this reason, self promotion is critical to getting your brand and name out to local buyers. When it comes to real estate agents marketing their services, a majority of agents simply tell clients to choose them. But, they do not take into account what their special skills are, how they are better than other agents, or why the client should choose them. If you don’t sell yourself to potential clients, who will? And, with so much competition out there, you have to find what
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really makes you stand out, in a market of many choices.
What Differentiates You? When it comes to real estate agents self promotion of their services, one must dig deep, and really consider what makes them a top choice. • Do you speak several languages? • Are you accomplished in selling a certain type of property? • Do you have licenses and higher education degrees?
• Are you licensed as a broker, where most agents are simply licensed as real estate agents? Regardless of which of these, or any other features which really make your services stand out, in comparison to other local agents, you have to showcase your services to potential clients, in a manner that they haven’t seen before. And, even if other local agents have similar skill sets and credentials, are they as good at all of these areas as you? The answer is likely not. You have to give potential clients reasons why you are a great agent, what you can do better than your competitors, and give
them viable reasons as to why they should choose you, when buying their new home.
Make a List A great way to begin marketing and self promotion, is to make lists of the services you offer, as well as your credentials. From there, you can create online e-newsletters, you can send out monthly postcards or newsletters via mail, and constantly keep your potential market informed of what you do. By letting potential buyers know what you can do, and how you can do it better than other agents, you are likely going to draw in new buyers, who want to work with you, when they are ready to buy their new home.
What are Competitors Doing?
competitors are doing, and by reaching potential buyers through all markets, you are going to realize more new business, and you will find that more buyers want to work with you.
Do You Go Above and Beyond? When creating your self promotion campaigns, you have to begin with the question: • “What do I offer, that other agents don’t?” By considering the services you provide, which go above and beyond the minimum job requirements, it is going to be much easier for you to make the sales pitch, and draw in new clients. A good place to start is to create lists of what you do, which
is above and beyond what is required, which your competitors don’t do. From there, you can come up with your marketing campaigns, in order to make your pitch to local buyers, who are searching for a local agent to help them find a new home in the market. With so many real estate agents to work with, in any market, you have to create marketing campaigns, which call out to the buyer. Letting them know where you excel, the skills and credentials you hold, and letting them know you do more than other agents, for no additional fees, are just a few of the ways you can begin your marketing campaign, in an attempt to create the desire for more buyers to work with you.
Don’t Overlook Your Service Show Customers How Much You Care
Great customer service skills, keeping in touch with your past clients, and reaching out to new ones, is essential to selling yourself in the market.
to gain a much broader customer range, and sell more homes as an agent.
Due to the fact that there are hundreds, if not thousands of agents in your market alone, it is imperative that you keep in touch with former clients.
By posting a monthly newsletter online, you can send it out to past clients, as well as potential buyers in the market.
Doing this, they will remember your services, and will come back when they are in the market again; further, they will refer your services to friends and family who are looking to buy or sell. And, by reaching out to new, prospective clients, you are going 12
Monthly E-Newsletters
You can include information about your current listings, homes which are about to enter the market the current rates and average home prices, and more. If you’re a broker or have a team, you can include professional news about your staff, or talk
about new agents that joined your team. By keeping up with former clients, not only will they remember your services, and how you helped them through the process, they will also keep you in mind when a friend or family member is ready to move, and needs an agent to help list the home or help them find a new home.
Quarterly Phone Calls Customer service not only consists of helping your clients through the buy/sell process, but also keeping in touch with them.
Making a phone call every 90 days to find out if they are happy in the new home, how things are going, and simply to check in on former clients, is a great way to show your relationship with them was more than a one-time transaction. You can also send out quarterly automated drip marketing campaigns using a CRM program to reach out to new clients. Doing this will help build your potential client list, and help you gain new clients who are buying or selling a home.
Host an Event Hosting a buyer seminar, a local BBQ for your former clients and family, and other local teaching and gathering events, is a simple way to keep in touch with old clients, and meet new people.
When you invite old clients, they might bring a friend who is looking to buy a home, or a relative who is ready to sell their home. By providing this continual contact, not only will they feel comfortable referring your services, but will also provide you with other potential referrals of friends who are getting ready to list their home or buy a new one.
Anniversaries & Birthdays Keeping in touch with past clients by sending a birthday card each year, with a simple happy birthday message, is a great way to show you care, and remember working with them. It is also nice to send them a note or email message, on the year anniversary of when they purchased their home, or sold
their home with you as their agent. These little remembrances not only show you want to provide exceptional customer service, but also want to keep an open, running relationship, in the event they have to buy or sell their home in the future. Keeping in touch with former clients, is the easiest way to gain repeat business (even if it is only 5 to 10 years down the road), and to gain new referral business from them. By doing these little things, you are not only going to show your clients you had a great time helping them find or sell a home, but it also shows you did not only think of them as one of your many clients you did business with. Regardless of which of these methods you use, it is important to include a picture of yourself, along with all contact information. People don’t always remember names, but they do remember faces. So, in your email campaign or monthly newsletter, include all contact information and your current picture. Whether your past client calls, or provides a referral, they will know who you are, and will feel comfortable doing business with you again.
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Who Do You Want to Sell? Decide Your Likes & Dislikes When marketing yourself to home buyers, it is more than a commission check; in fact, you have to consider your likes and dislikes to know who to work with in the housing market.
Rich, poor, middle class - these are some of the things you have to consider to ensure you are working with the right home buyers when you are marketing your business.
As an agent, you are not working a 9 to 5 job; rather, you are working with your clients at all times.
Finding Similiarities
If they need to close quickly, they are going to call on weekends; if you are on vacation, and a client wants to know about whether or not their offer was accepted, you have to answer the call. As an agent, it is an around the clock job, and one that never ends. So, just as you choose your friends, you have to know the basics about what kind of people you like (and dislike), when it comes to marketing.
Where to Begin A good way to start the marketing for your clients, is to consider your personal friends. Do you have a social group, or do you prefer a quiet evening in with friends? Do you like an elite group, where your friends are affluent or do you prefer talking to people who have less, and do not really look at the financial aspect of everything in life?
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If you have a nice car, if you live in a luxurious waterfront condo, and if your friends are all well off and have great careers, then you
are likely going to want to work with this type of client. Real estate agents marketing to wealthy buyers, and those who want the finest, luxurious finishes, have to know how to interact with these individuals. If you are a young agent, who is just starting out, you might want to work with younger buyers.
If you want to help a young family buy their first home, you have to know how to communicate with them. You have to know how to speak to them, which homes they are interested in, and which entry level properties, are going to work best for them. And yet a third group of agents, might like the middle class family. A simple car, a home that is suitable for their family, a good career, and simple lifestyle. If you enjoy these type of people, and if you interact with friends who are a part of this social group, you are going to feel far more comfortable marketing to this type of client, and working with these home buyers when you are trying to sell homes in your market.
As a new agent, you may be limited. Maybe you sell homes in a small town, where most residents have similar wants. Maybe you are trying to make a name for yourself so you have to take any buyer that comes in the door. But, as you grow, and progress, and as you become more well known in various housing communities, you will have more selection so you can be more discriminating.
Comfort Breeds Success Real estate agents marketing their skills, their experience, and their expertise should consider these factors to ensure they are going to work with home buyers they feel comfortable around.
a community, which you have nothing in common with, sure a nice commission check will come out of it, but you might be miserable in your career. To avoid this mistake, you have to market your skills to the people you feel comfortable around, and want to sell to. As an agent, your job never stops so consider your clients as friends. In this sense, you are going to want to look for buyers who have similar interests, are similar in stature, and if you market to the buyer who you really enjoy working with your chances for success are far greater.
If you are selling multi-million dollar condos, to elite people in
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8 Tips for Giving Your Site a New Lease Do you want more leads from your website? If yes, the following is a breakdown of 8 tips that can help turn an average website into a great one!
You cannot operate as if you are an island; give potential customers a wide array of possibilities and they will be interested.
First, think of your website like a 24-hour convenience store; it’s always open for business and it starts with your home page.
A full IDX (Internet Data Exchange) feed uses listings from other approved sources besides your office listings so customers have more variety.
Don’t just rely on customers to use your contact details found on your site. Add a contact form they can submit with their questions. Customers who are not ready to speak by phone will use your contact form as a way to connect with you.
Use Google to research which IDX feed provides an interface that is simple and clear with advanced filter options.
When you receive submissions from your contact form try to make phone appointment before answering their question.
Let’s look closer at how you can establish credibility, provide a one-stop-shop for customers’ real estate needs and promote yourself as an authority in your niche.
Advanced filters should include having a short sale or foreclosure search, school location search and others; this helps visitors save time.
Moving the relationship from the contact form to the telephone is the next step in the relationship process so try executing it first.
1. Full IDX Search
2. Provide a Contact Form
A perfect home page connects people with home listings, updated local data on the market and answers to their questions.
site is live is to attract leads so you can earn more money!
3. Fast Page Loads Vsitors to your site do not want to see a narrow list of homes for sale. 16
The reason why your site is live is to attract leads. That is worth repeating! The reason why your
Web pages can be overwhelming to anyone when they visit your site for the first time.
Site that have a lot of customization will include heavy code that can slow down your site. Visitors click away from slow websites. Speed is an important factor. Keep your web design and layout simple and make sure your home page loads quickly. Also, don’t force messages on visitors like pop ups of video, ads or voice recordings. It’s perceived as being rude and desperate. Reduce the bounce rate by giving visitors an organic experience where they click and read what they want or what is relevant to them.
that connects people to their ideal home.
6. The Power of Video Using video can be a big win! This is because more and more audiences are becoming more enchanted by watching rather than reading online. Who can blame them! Create tasteful videos that give your visitors a real taste of your service and showcases your business. If you optimize your video for the Search Engines, it can bring some good traffic too!
7. Don’t Ignore Social Media 4. Keep Content Updated Visitors do not want to see robotic information. They want local market statistics, neighborhood highlights and more so they know what is happening locally. When it comes to generalized information, stick to DIY projects, finance guidelines, real estate news and the like. Your visitors will appreciate photos, text and videos; this cocktail will surely get them inspired.
5. Define Links to the Text Your site should be a gateway to helpful information. Through the use of links on the menu bars, visitors should be able to access relevant content immediately. Add links to content that exists to make sure your page is a portal
If any web page wants to mature, a social media strategy must be put in place.
will that translate into business? SEO can be over-rated. Your site must have great useful content and using keywords in a perfect manner does not equal leads. Therefore, why not spend your time making the user experience great rather than obsessing about keywords your visitors will not use? Stay focused on the right priorities! The bottom line is that you want to make the user experience great. Seek to draw people in and keep them coming back. This can only be achieved by delivering on the promise regarding content. With a few tricks highlighted here, you can give your website a new lease on life today.
It is not enough to have a Facebook or Twitter link, go a step further. Share buttons are the quick way to help your content reach more people without hassle. With this respect, place “share this” buttons strategically after every post so people can share on their favorite social media platforms. It can draw more focus and traffic to your site.
8. What About SEO? Don’t put SEO (Search Engine Optimization) over your visitor’s experience. Sure, having good keywords will draw people in, but
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Relationships Matter! What You Can Expect from Working with Me
…A Profitable Alliance
…Quality Customer Care
Here’s the Best Part… How we work is by spending the appropriate time it takes to learn about your business. Unlike many loan officers who seem to only care about how many deals you’re sending them, I focus on how to help grow your business. My philosophy is built around guiding principles:
1. Customers Are Serviced For a Lifetime Does your daily routine make it difficult to stay in touch with your customers? If you work long hours, which is common for many career-oriented agents, chances are you’re not keeping a message in front of your customers to create a stream of new and repeat business.
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If so, how much is this costing you annually? Not only do satisfied customers provide a valuable source of repeat business, they are your best source of referrals. They have relationships with family, friends, co-workers and business professionals that could one day be your customer. However, this can only happen if you are able to cultivate the relationship over time. Service is the backbone of my business. I enjoy a strong referral base of customers because of the commitment I’ve made to servicing and keeping in touch with my clients.
and embarrassment for you. No matter how well you try to explain things, it’s quite painfully obvious not to expect any future referrals from the customer. Can you see how much income this is costing you? What if you could work with a Mortgage Specialist, who was trustworthy and accountable? What if you could work with someone who communicates during the entire process and delivers what is expected? How much would that be worth to you? I believe in a united alliance in front of the client.
I can help you cultivate relationships by keeping you in the forefront. I execute timely and predictable campaigns that help you cultivate relationships with little effort and can add to your income annually.
3. Success Means Constant and Never-Ending Improvement
2. Both Parties Need to be Trustworthy & Accountable
You don’t earn a salary while you’re trying to figure out how to crack the code to success. Yet, here you are in a highly competitive industry and have found a way to survive.
Example: Loan Officer who isn’t accountable You’ve been told that the status of your customer’s loan will be approved. Then in the eleventh hour, lender conditions popup and cause you and your client to scramble to provide what’s needed. As the Close of Escrow date fast approaches, the loan documents are not delivered to the Title Company as promised. The entire experience causes stress for your client
that, gosh, I should see better results!” Still there is the fear factor. If you could learn to change for the sake of betterment and be confident that you’d see steady, predictable results, would you do it? How much income would a few new customers provide monthly? How many more referrals would you enjoy? What the impact on your selfconfidence? Top agents depend on predictable systems to produce results, and they don’t work any harder than you do - they just work smarter!
Most people who enter real estate sales ultimately leave it because of lack of success.
Michael D Steller Residential Mortgage Loan Officer
You see the kind of dollars the top agents earn, and you wonder how they do it. Because you are experiencing some success, you may not be afraid to change. You say to yourself, “Well, at least
I’m generating some business, and doing some business is better than doing no business,” or, “I’m working so hard now
720720-224224-1679
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Beat the Odds, Overcome Resistance and Conquer Real Estate!
Build a Loyal Following, Attract Fame & Money Stop chasing prospects and wasting money on advertising. Get all the referrals you deserve today and start enjoying the real estate business!
- Become Recognized as a Leading Authority - Build Your Reputation So It Goes Viral - Create a Line of Prospects at Your Door It’s the perfect solution for new agents getting started or for experienced agents who need to differentiate over competitors and dominate their area. Contact me today for more details ... act now before it’s too late! Michael D. Steller Loan Officer,NMLS #501897 State Lic #100049329 | Corp NMLS #3113 Branch: 303-914-382 Direct: 303-914-1315 Mobile: 720-224-1679 Email: michael.steller@academymortgage.com www.michaelstellerhomeloans.com