How to Turn Your Vision of the Future into Reality




In a nutshell the definition of success is reaching one’s goals.  Although success is defined the same for everyone, it is different for everyone because success means reaching your goals.  It’s truly individual.  Goals go beyond financial ones to those related to friendships, family, spiritual growth and more.  

Setting goals is so important, yet more than 90% don’t have written goals.  The number one reason people don’t have goals is because they don’t know how to write goals, which is not easy, but you have to drill down and overcome the inertia.  Second, people are afraid to fail.  Remember, if you don’t set your goals you’re failing automatically.  Third, people buy into the idea that it’s too late or they’re too old to set goals.  You’re never too old or too late to set goals.

There’s a formula for success that boils down to setting goals and walking toward them.  Here are 12 steps to achieve your goals.   

1.  Have a burning desire for the goal or you’ll never accomplish it.   

2.  Believe your goal is achievable.  To do this, don’t set unrealistic ones.      
  
3.  Determine why you want to attain the goal.  Drill down and say how the goal is important in your life and how it will make a difference. 

4.  Write it down.  A lot of people set goals, but they never put them in writing.  You have to be able to visualize the goals and writing them down helps you do this.  

5.  Determine a starting point.  You start by writing them down and include when and how you’re going to start the plan of action to achieve your goal. 

6.  Set a deadline. Goals without deadlines are dreams—not goals—so have a deadline, whether it’s a month, a year or five years out.   

7.  Identify what is holding you back from reaching your goals.  

8.  Determine the skills or knowledge you need to achieve your goals. 

9.  Determine the people who can help you.  
  
10.  Make an action plan to reach all your goals—and a starting point.   
  
11.  Look at your goals often.  By putting your goals on an index card and keeping them on you, such as in a binder, you can look at them daily.  If you read them aloud every day, your mind will then subconsciously push you toward your goals. 

12.  Never give up.   Even if you write down your goals and you’re three months into it and you’ve missed your deadline, don’t let that stop you.  Never give up.  The person who gives up fails, and the person who perseveres never loses.     

I hope you find this information helpful.  I live by it.  By writing down your goals, you’ll change your life, so where should you start?  Contact me for a copy of a great spreadsheet that covers personal, spiritual, adventure, income, retirement goals and more.   

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If you or anyone you know has real estate goals for 2013, we’d love to help.  Please contact us at 502.458.2722 or jp@jpsold.com.     

Happy Holidays 2012



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To all our cherished friends, neighbors, family and clients – we are so proud to have been able to work with you and be a part of your lives! As we end this year and turn to the exciting time and events that 2013 holds, we just wanted to take a moment to thank you for all that you bring to our lives.

We have some really great plans in the coming year to bring more success to all your real estate endeavors. And with each transaction that makes it to the closing table in the coming months and years ahead – we know that there will continue to be new and exciting things to follow for all of us.

On behalf of the entire group – Happy Holidays, Season’s Greetings, Peace and Joy!

5 Things to Know When You Obtain a Mortgage in Today’s Lending Environment



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After going through all the motions of finding the perfect home, the LAST thing you want to happen is for the financing to fall through. That’s why it is critical to know the best practices of the lending process these days. Here are my top five things to do when dealing with a mortgage in today’s environment.

Make an Offer With a Pre-Approval In Hand
In many marketplaces, including ours, there are far fewer homes on the market than there are buyers. What this means for you as a buyer is that you need to stand out from others so that the seller is more inclined to accepting your offer. Typically in a sellers’ market, homeowners will not accept any offers unless a pre-approval letter accompanies them.

Borrow What YOU Can Afford, Not What the Lender Thinks You Can Afford
Banks will review your income levels, credit score and debt-to-income ratio to determine how much they think you can afford. But only you can truly know what is acceptable for you each month in terms of a mortgage. So regardless of the amount a bank approves for a purchase of a home, be sure to assess how much each month you would like to spend on a mortgage.

Understand All the Lending Options and Choose Wisely
Though there may be fewer options out there these days than there may have been just ten years ago, buyers have several ways to finance the purchase of their new home. Whether it be engaging in a government housing program, opting for a state or regional down payment assistance program or selection the type of loan product – it’s important to look over everything before choosing what’s right for you. Additionally, you want to explore all the financing options, such as fixed rate or balloon payments, ARM or short terms loans and more.

Know Your Options and Loan Restrictions
Aside from financing options in general, there are also things to consider within the type of loan product you end up going with. There may be restrictions at hand that you should consider and to address these issues beforehand you should ask plenty of questions to your lender. Find out whether there is a penalty for prepaying your mortgage. If possible, get a loan that is assumable, meaning that when you go to sell the home your low interest rate of today’s mortgage environment will be passed on to the buyer, making it a very attractive home to purchase.

Have a Professional On Your Side
This goes without saying but for such a complex transaction as the purchase (or sale) of real estate, it is critical to have a professional by your side. Not just a licensed Realtor® but also someone that dedicates their entire career to the profession. Their experience will come back to you ten-fold and you will be supported by an individual or team that will look out for your best interests only. In terms of choosing a bank, there are questions that should be asked on that end too. Find out the track record of your lender and make sure you are working with someone that has ample experience.

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As always, I welcome your calls or visits and invite you to get in touch for more information on any of your real estate needs. I’d be happy to help!