Finance With Factor

In a competitive real estate market, "off market" listings can be a way to avoid a bidding war.  For sellers, they can provide comfort and convenience, at the desired price.  But, they come with their own layers of complexity.  Max Perkins, of William Raveis--Nantucket, shares his experience and tips to navigate the how and why of "off market" transactions.

Job interviews are a high-wire act. Was I too confident? Did I ask the "right" questions? Should I have mentioned...? Q1 is when many real estate professionals make "the switch" to a new shop or even to go out on their own.  Eric Rollo, Managing Partner and Broker, of The Agency--Boston, is actively hiring.  He shares what he is learning and observing during his interviews.  He shar...

Noah Pransky, Emmy Award winning investigative journalist and reporter, shares his tips on asking quality questions.  We discuss various interview strategies and how the right questions can help you inform negotiations and focus on services that build better relationships.  If you're going on your first date or you're an experienced real estate/financial advisors alike can all learn and...

[E99] When done well, good marketing can cause you to hum a jingle 32 years later while randomly walking down the street. But, how do they do that? Lindsay Cardinale, with MullenLowe, shares how being memorable comes down to the practice of finding and speaking to the right audience.  She shares how all memorable marketing starts with a plan...and how we can scale the basic concepts from larg...

[E98] Interest rates have seen unprecedented volatility over the past few years.  How do buyers and realtors manage a search, within budget, when rates are on the move? In this episode, I share how rate moment impact buying power. Plus, tips to keep your search on budget and within your approved limits…even if the targets keep moving!

[E97] How does a "homebuying team " add value?  Can't the closest realtor open the door and the best rate online close my loan?  Bhamin Chhatrapati, realtor with Better Living Real Estate, shares why and how having a cohesive realtor-lender team helps buyers get offers accepted and ensures a more enjoyable homebuying experience for everyone involved in the process.

[E96] Act like someone is always watching...or in this case recording!  I am joined by three fellow Senior Loan Officers, who thought we were having an "off air" conversation.  What they didn't know was that I was still recording after last week's episode ended...Enjoy part 2 of our round table conversation about time blocking, prospecting, and ways we plan to focus attention and grow ou...

[E95] I enlist a few Senior Loan Officer colleagues to help me with my homework and complete my goals for 2022.  We discuss current trends and ways we want to grow in 2022.  Enjoy this authentic conversation about where real estate and lending professionals are looking in the coming year.  (Preview: Next week, I air part 2...the part of the meeting where everyone thought we were off...

I am a big believer that every introduction is a good introduction because, if you treat everyone right , you never know where things can lead, but especially in real estate!  Don't believe me?  Enjoy this crowdsourced episode of all the funniest and most unexpected "meet cute" moments when these real estate professionals were surprised to meet a client or referral partner and the lesson...

[E94] CEO and Founder or Lendaid, Jerry Devlin, shares his insights on what to look for in a mortgage lender.  We discuss how Lendaid evaluates mortgage originators and what goes into "making the grade" as a real estate professional.  We also share how customers, referral partners, and hiring managers can "read between the lines" on reviews and effective ways (any small business owner) c...

[E93] Everyone has professional groups and networking organizations they belong to as part of their profession.  But, how do you maximize those groups to benefit you?  Michael Chase, Managing Director of NorthMarq Capital, shares how he leverages the wide-variety of groups and structured networking opportunities to grow his reach, knowledge, and business.  This episode is a must lis...

[E92] In real estate, you are only as good as your next deal and you are only as busy as your most recent lead.  Word of mouth, referrals and, most importantly,  your network are the only things that build your business. After 2 years off from in-person networking, I enlist Judy Cazeau, author of "Building Your Network; 3 Top Secrets" and commercial realtor with Boston Trust Realty Group...

[E91] Real estate professionals are often in a second career or have other side-hustles.  Max Perkins, with William Raveis Nantucket, has built a successful growing real estate practice by leveraging his "side hustles" and family businesses on the island.  He joins "Finance with Factor" to share his experience using his network outside of real estate to generate genuine connections that...

[E90] Buying or selling real estate can be scary.  Especially without the right team at your side.  This episode features a variety of "scary stories" -- things that went wrong, or could have gone wrong, to complicate deals.  We share how we overcame those obstacles and even a few tips on ways you can avoid them in the future.  Thank you to all the wonderful guests for sharing your tales...and Hap...

[E89] "It says optional, so why do I need it?" This is one of the most common questions asked when home buyers review a Loan Estimate. So, I bring in an expert, Sarah Catapano-Friedman, Esq., of Crowley & Cummings, LLC, to discuss all the exciting details of Title Insurance.

[E88] Appraisals are the scariest part of the financing process for most realtors, buyers, and homeowners.  Brian White, a realtor and former Board of Appraisers member, shares his tips and advice on how to leverage the appraisal, maximize your home value, and create back-up plans.  A must listen for any buyer, seller, or real estate professional!

[E87] In competitive service based businesses, we are all searching for a bigger slice of the pie. Eric Rollo, Managing Partner and Broker of The Agency (Boston), shares how the firm's aggressive growth strategies have quickly established market share around the world and his plans to grow The Agency in the Boston market.

[E#86} Rates, price, credits, market volatility, the 10 year, the Fed...I am joined by a guest to help us breakdown all the mortgage market headlines and banking buzz words to ensure you can understand what "makes" a rate. Knowing how rates work will empower you (your clients and friends) to make well informed financing choices that compliment your goals.

[E85] Moving means a lot of changes. For many, new schools are one of the most important and stressful. Lisa Kingsley, an experienced teacher and school administrator, shares ways that parents can help their kids adjust smoothly and quickly to a new school this year.  She even shares a few tips on how your real estate team can help you evaluate schools and start the registration process.

[E84] Fantasy football is just around the corner.  There are a lot of lessons we can take from fantasy football and use in real life to help us build good credit.  Join me to decode the magical fantasy world of credit scores as I share tips and advice on how to maintain, manage, and improve your credit!

[E83]Mayor Kassandra Grove discusses how she is helping Amesbury, MA build the infrastructure and atmosphere to accommodate the changes of remote/hybrid work from home economy. We discuss how, like in many suburban towns, creating space where residents and businesses can work and play is a growing priority.  How do these changes impact real estate, taxes, and your home search?

[E82] #RealEstate professionals and #SmallBusinessOwners are always seeking ways to leverage #socialmedia to build a brand, create content, and connect with customers.  This week, Brian Bond (@LeverageFinancial on IG) joins #FinanceWithFactor to share how he has grown his social following, found his voice, and expanded his business through IG, without buying a single ad! 

[E#81] Private Mortgage Insurance (PMI) is often seen as a #realestate swearword, but the reality is that sometimes it can SAVE you money. Using the right strategies, a lender can play with MI to reduce rate, cover appraisal gaps, lower monthly payment, etc. Joanne Skerritt, Regional Account Manager at Raidan MI, joins the podcast to inform us on current trends and cost savings strategies of mortg...

[E#80] Getting a mortgage can be like ordering from a menu at a new restaurant.  Plenty of restaurants have the same items, but sometimes they cook them a little different.  Mike Cronin, Portfolio Lending Manager at Mortgage Network, Inc., joins the podcast to breakdown the types of lenders, loan options, and "menu items" a buyer may need to consider when "shopping" for the right lender.

[E#79] Ransomware, wire fraud, and other schemes are all over headlines these days.  They are impacting pipelines, ferries, hospitals, and even individuals or small businesses, but real estate transactions are particularly high risk targets. This week, I am joined by Lindsay Usherwood, General Counsel and Corporate Secretary at Usherwood Office Technology, to discuss security tips and what real es...