Learn the art of taking a low appraisal and turning it into a closed sale. The rules of appraisal and underwriting have changed and today's broker must understand how to "act" and not "react" to the news of a low appraisal. Discover the steps necessary to keep low appraisals from killing sales.

Each real estate licensee should be familiar with the basic concepts of the appraisal process and how that process affects their clients. Upon completion of this course, students will find a new understanding of the appraiser's role in the mortgage lending process. Students will also discover a new approach for handling low appraisals.

NEW YORK TIMES, WALL STREET JOURNAL, AND USA TODAY BESTSELLER • A ten-step plan for finding peace, safety, and harmony with your money—no matter how big or small your goals and no matter how rocky the market might be—by the inspiring and savvy “Budgetnista.” “No matter where you stand in your money journey, Get Good with Money has a lesson or two for you!”—Erin Lowry, bestselling author of the Broke Millennial series Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life. Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness: a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including: • A simple technique to determine your baseline or “noodle budget,” examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams. • An assessment tool that helps you understand whether you have a “don't make enough” problem or a “spend too much” issue—as well as ways to fix both. • Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future. • Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs. • Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time. An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that’s rich in every way.

Do you supervise people? If so, this book is for you. One of a manager’s toughest—and most important—responsibilities is to evaluate an employee’s performance, providing honest feedback and clarifying what they’ve done well and where they need to improve. In How to Be Good at Performance Appraisals, Dick Grote provides a concise, hands-on guide to succeeding at every step of the performance appraisal process—no matter what performance management system your organization uses. Through step-by-step instructions, examples, do-and-don’t bullet lists, sample dialogues, and suggested scripts, he shows you how to handle every appraisal activity from setting goals and defining job responsibilities to evaluating performance quality and discussing the performance evaluation face-to-face. Based on decades of experience guiding managers through their biggest challenges, Grote helps answer the questions he hears most often: • How do I set goals effectively? How many goals should someone set? • How do I evaluate a person’s behaviors? Which counts more, behaviors or results? • How do I determine the right performance appraisal rating? How do I explain my rating to a skeptical employee? • How do I tell someone she’s not meeting my expectations? How do I deliver bad news? Grote also explains how to tackle other thorny performance management tasks, including determining compensation and terminating poor performers. In accessible and useful language, How to Be Good at Performance Appraisals will help you handle performance appraisals confidently and successfully, no matter the size or culture of your organization. It’s the one book you need to excel at this daunting yet critical task.

Notes for the Homeowner. What is an appraisal? Understanding an appraisal. Common Appraisal Mistakes. Analyzing Markets and What is a Neighborhood? Competing Markets, Market Area, Competing Markets, Market Stabilization, Increasing and Declining Markets, Market Conditions Report and Neighborhood Analysis Comparable Selection. How is an Adjustment Calculated? How a Reconciliation Reads? Quality of Data and How it affects Real Estate Appraisals? Rebuttals and Creating One. Unacceptable Appraisal Practice, Appraisal Review. Things That May Kill the Deal. Real Estate Investment and Things to Avoid. Buying a "Rehabbed" Property. Sales via For Sale by Owner, Advice for the First Time Homebuyer. Your Appraiser, Inspection Issues and FHA Inspections. Drive by Appraisals, USDA, Your Appraiser and Home Inspectors. Who is Managing the Appraisal Process? This text discusses the appraisal process and all its facets as they relate to the mortgage industry at large. A borrower applying for a loan should know how this may affect them. Most would agree it is better to know beforehand if there is going to be problem, or at least understand what the reasons are when one arises. Most of us will encounter the work of a real estate appraiser at some point in our lives. The result could be completely uneventful, but problems may arise. What happens if the property's appraised value is lower than expected? Several things could happen. In some cases, a buyer will have to renegotiate the contract. If a homeowner has applied to refinance their property, they may move forward but with a higher interest rate and may have to pay PMI (Private Mortgage Insurance). In other situations, the loan may be denied due to insufficient collateral, since the appraised value was lower than expected. The appraisal process is complicated, certainly expensive, and sadly sometimes leads to no result. The industry is not perfect, and the appraiser has limitations on what they can or cannot do. Some limitations may cause borrowers to be frustrated. Market practices, a lack of data to support any other adjustment and restrictive Lender guidelines are common irritations. Then again in some cases, we do make mistakes, and it would be helpful for the borrower to identify them and have options to find a resolution. The average reader should be able to understand an appraisal report, at least to the point where it makes sense. This text endeavors to help in that process, yet in no way pretends to be complete due to the complex nature of the industry and appraisal practices, nonetheless most topics are discussed in depth.

Don't Risk Receiving A Low Home Appraisal! Get insider tips from a Professional Real Estate Appraiser. "The Most Helpful and Inexpensive Guide for Maximizing Home Appraisal Value" This specialized guide has helped thousands of people Maximize Their Home Appraisal Value. Do you have a home appraisal coming up and you really need your home to appraise for a certain value but you're not so sure that it will? This can be a nerve wracking place to be in because your entire mortgage loan hinges on the home appraisal and having a successful result. Maybe you are looking to refinance your current mortgage to consolidate debt, or maybe you are looking to take out some of the home's equity to pay for a child's education or complete some home renovations....well all this disappears if the appraisal doesn't come out as high as you need it too... I wrote The Complete Homeowners Guide To: Maximizing Appraisal Value to give you the best chance at getting the highest possible home appraisal value. Which of These Powerful Tools Will You Use to Maximize Your House Appraisal Value? - Complete and outlined description of how an appraisal works - Walks you through the appraisal process from start to finish - Information on what an appraiser looks for - A Step By Step guide on how to prepare for the appraisal - Tips on what can come up in an appraisal that will wreck your mortgage refinance - Cheap ways to increase appraisal value - Personal Tips from me throughout the entire guide - What to have ready when the appraiser comes - How to challenge a low home appraisal - Plus Lots More! Okay, so what's the cost for this Incredible Resource? Well, realize that this resource could easily sell for over $100. I could easily sell it for $50.00 or even $40.00. That's much cheaper than having your appraisal come in too low and having to pay for another one. In fact, your total investment for The Complete Homeowners Guide To: Maximizing Appraisal Value is only $6.99 USD for the paperback version and $2.99 for the kindle! So what's the catch? Why am I practically giving this resource away? Well, it's simple. I want The Complete Homeowners Guide To: Maximizing Appraisal Value to be the most inexpensive guide you can buy. Plus, you're already paying a lot money for the home appraisal. Why should you spend way more? FREE BONUS GIFTS INCLUDED! Bonus #1: The Step By Step Home Appraisal Preparation Checklist Bonus #2: List of 50 Tips To Increase Appraisal Value I collected from 50 Home Appraisers Easily a $50.00 value for ABSOLUTELY FREE! (For a Limited Time Only) Thanks for taking the time to read this. I wish you the best of luck with your home appraisal. Sincerely, Bryce Witherspoon, Professional Real Estate Appraiser p.s. Just think! You'll never again have to worry about how to prepare for your home appraisal to get the best possible appraisal value again!

For 75 years, the VA loan program has helped U.S. service members and their families achieve the dream of homeownership. Today, in the wake of the subprime mortgage meltdown and ensuing foreclosure crisis, this no-down payment loan is more important than ever. VA loans have emerged as a lifeline for veterans and active duty personnel who understand their unmatched safety and buying power. The Book on VA Loans takes service members and their families on an insider's journey into VA loans, from credit scores and interest rates to the unique opportunities and challenges of this long-cherished program. Readers get insider tips and expert advice from the country's largest dedicated VA lender, Veterans United Home Loans. They also receive a buyer-friendly education in a sometimes complicated world that can trip up even seasoned real estate veterans.Featuring simple, straightforward language and voices of previous VA borrowers, this resource helps ensure service members are in the best position possible to maximize the benefits earned by their service.

Simply Selling More Cars Won’t Be Enough: Revolutionizing the Retail Automotive Industry ​Dale Pollak believes that the car business—and the dealers who make their living in it—are in more trouble than anyone cares to admit. After four decades and three best-selling books, Pollak has witnessed the trials and triumphs of the retail automotive industry from a vantage point that few get. While car dealers are making good money, he warns that the industry is at a critical turning point, with too few paying attention to how inefficiency and lack of transparency are sapping the industry’s true potential. Amid the ever-faster confluence of technology, the Internet, and changing consumer preferences, the future prosperity of the industry is far from secure. Like I See It offers practical solutions, such as making the sales process more customer-focused and digitally driven to encourage sales, managing new and used inventory to mitigate margin compression, and ending factory bonus checks. It spurs much-needed conversations and sets guideposts that help dealers, OEMs, and solution providers improve how they do business. It also shows dealers how to stay relevant, evolve to keep up with the changing times, and deal with issues like high personnel turnover and the coming disruption of ride-sharing, self-driving cars, and Millennials who don’t want (or can’t afford) to own a car. Pollak believes that success will come to dealers who recognize that each customer engagement is a chance to make a positive impact and create a bond. He offers a collectively minded approach that will help build a better, more profitable, and prosperous retail automotive industry for tomorrow.

"A book to help Canadians get a better understanding of their options with mortgages, what pitfalls to look for, and how to use strategies that could save them thousands."--

The tools you need to enrich the performance-appraisal experience as you streamline the process Whether you're a manger looking to implement employee appraisals for the first time, concerned with improving the quality and effectiveness of the appraisal process, or simply trying to save time and mental anguish Performance Appraisals & Phrases For Dummies provides the tools you need to save time and energy while presenting fair and accurate evaluations that foster employee growth. This convenient, portable package includes a full-length appraisal phrasebook featuring over 3,200 spot-on phrases and plenty of quick-hitting expert tips on making the most out of the process. You'll also receive online access to writable, customizable sample evaluation forms other timesaving resources. Includes more than 3,200 phrases for clear, and helpful evaluations Helps make evaluations faster, more effective, and far less stressful Offers far more advice and coaching than other performance appraisal books Serves as an ideal guide for managers new to the appraisal process With expert advice from Ken Lloyd, a nationally recognized consultant and author, Performance Appraisals and Phrases For Dummies makes the entire process easier, faster, and more productive for you and your employees.