Finance With Factor

My kids love "Is it Cake" on Netflix. Honestly you cannot tell it is cake until you cut it open. On today's episode, I cut open the pre-underwriting process to explain what goes into a pre-approval and/or pre-commitment. I go beyond the marketing and into the math to share #howto read through the lender lingo and verify if your financing will get to closing. I arm homebuyers, sellers...

A real estate contract is filled with contingency clauses designed to protect the buyers. But, in a competitive market, everything is negotiable, and many buyers find themselves tempted to waive contingencies to make their offer seem more appealing. Megan Ritter, attorney with Griffin Law, helps us understand the risks and implications of each contingency clause. Strategically crafting these claus...

Real estate professionals appreciate how stressful a transaction can be, but you often here people say, "it isn't life and death...nobody ever died from a real estate emergency." But, Jenifer Vieira, realtor with Lamacchia Realty, is also an experienced nurse and military parent who has learned how to manage a wide-range of stressful situations. She shares how she uses personal, nurs...

There are days you just want a warm hoodie and other days a well starched suit makes you feel like James Bond. Jack Woods, a Professional Clothier with the Tom James Company, joins the podcast to discuss everything from the Fanatics MLB uniform disaster to why dressing in a way that authentically expresses your personality and goals can give you the confidence to be successful.

NAR has come under fire over the past year and made headline news. While commission lawsuits, trigger leads, inventory, mortgage rates, and affordable housing have all been national topics of conversation from the State of the Union to the kitchen table, the solutions start with local elections, advocacy, and trade organizations. President of the Massachusetts Mortgage Bankers Association (MMBA),...

As small businesses and local leaders, we are always looking for ways to market ourselves, donate to local causes, and be involved in our communities. Mike and Erin Richardson, co-owners of Richardson Insurance, a 4th generation insurance agency, in Hanover, MA, share how their focus on service and giving back to the community, through charitable events, supports their overall mission and clients....

It is only natural to feel great when things are going well and get hard on yourself when things get tough. Best of South Shore nominated personal trainer and owner of Moses Fitness, Lee Moses shares how he helps is clients build confidence. He believes that confidence is the outward projection of preparation—a lesson that applies to all aspects of work and life. We draw lessons about projecting,...

Kalie Hanlon, owner of btone Hanover, shares how she applies the lessons she teaches in her fitness classes to business and life. Small steps, consistent effort, yields sustainable growth.

Shopping for a condo with a generic pre-approval is a recipe for disaster. On this episode we discuss the can do and can don’ts of buying or selling condos. We share how to overcome township ratios, special assessments, and a variety of other potential tripping points. An educational listen for realtors, buyers, and sellers alike!

How are those cold calls going? Can you feel the lead not listening within a few moments of the call or meeting? Mike Tinsley, Managing Partner of Longwood Residential, shares how he uses his social media to compliment “supercharge” his marketing strategy. He explains how his online strategies and content have fueled his growth and helped his intro meetings become more successful. Plus, we share a...

@getsocialwithnikki audits my Instagram feed and social media content to share social media marketing tips and strategies. We discuss how to help build an audience, brand your voice, and generate online leads. Small business owners that sell items (in a storefront) or a service (like realtors) can all gain from Nikki's experience and advice. I've already implemented a few tips to see welco...

Many “experts” are projecting reasons for optimism in the real estate market. Wall Street predicts the Fed will be cutting rates, Fannie Mae projects mortgage rates to come down, NAR expects listings to increase, and places like "Housing Wire" report shifts in confidence. I sit down with Chris Rao, 3rd generation Managing Broker, Marketing Director, Owner and Training Coordinator at Berk...

Rates and home prices have dominated the real estate conversation, but homeowner's insurance can be a big variable in affordability. If you are in the market for a new home or you are a homeowner confused by you premium this renewal season, listen to this episode. Joel Fanjoy, of William Raveis Insurance, shares what is driving renewal rates, insurance premiums, and how to control your insuran...

Moving is emotional. Sometimes it is exciting...new opportunities. But, for many, moving means leaving behind...it means change. Our homes become a piece of us (a box full of memories), and that can make moving on or moving forward very difficult. Kelly Cervantes is an award-winning writer, speaker, advocate, and author of "Normal Broken: The Grief Companion for When it's Time to Heal But...

Referrals are the most important part of our business.  For Julia every product she puts on the shelf of her store is personal referral—a reflection on her, her business, and her mission.  Julia carefully sources and tests every item in her store, Four Corners Supply Co (in Hanover, MA), is a wholesale refillary offering a variety of local sustainable bath & body products, cleaning supplies, and h...

Calling all business holiday elves. It is time to build your marketing and promotional budgets, send greeting cards, mail client gifts, and host events. Which means, it is time to speak with Josh Donovan, President/Owner of South Shore Business Checks & Printing, Inc., a printing and promotional marketing company. If you are struggling on where to start, what to order, or in need of some help,...

Attention all self-employed small business owners! Now is the time to start your tax planning...especially if you want to buy a home within the next three years or have just purchased a home and want to refinace (whenever rates eventually come down). Pamela Hilton, CPA and Owner of Hilton CPA, shares valuable tips and advice on how to evaluate your tax stratagies. What questions should you be aski...

Why do economists focus so much on builders’ confidence levels and metrics?  One reason is because they are the key to many economic indicators and future housing inventory.  Mike Preston, Co-Founder & Principal of Beacon Montclair Development and Managing Partner of C21 Revolution, shares what developers are looking for in a purchase and resale.  As the BMD team’s lead and acquisition and sal...

Cold calling can be scary. It can result in an embarrassing disaster that makes for legendary stories...or new or unexpected opportunities. And, there is only one way to find out...make the call. Jack Woods, is an experienced, well-trained cold call expert joins to share his tips on how to get over the fear of making the call! Listen to enjoy his tips and advice, learn from a few success stories,...

Have you ever been too nervous to push record, felt the anxiety of a big moment in the game, or stood frozen off stage? Dr. Carol Nabatoff is an accomplished acting/voice coach and musical theory teacher.  Her students range from local children to performers on the Voice, stars of the Broadway stage to the silver screen...and just about every other form of entertainment.  She shares tips and advic...

It's what is on the outside that counts. That may not be the saying, but in real estate, it is true! Curb appeal and big ticket items, like roof and siding can make a substantial impact on your sale or offer price. Kevin Green, COO of G&G Development and President/CEO of Green Brothers Roofing, shares tips and advice for realtors, sellers, and homebuyers. We discuss ways to perform basic i...

Negotiations are the art of give and take, but there are ways to be a better artist. Sarah Catapano-Friedman, Real Estate Attorney with Crowley & Cummings, shares her tips to be a more effective negotiator. There are takeaways for homebuyers, realtors, attorneys, or parents who dare to ask their kids a question.

Back to School!! But not just for the kids. Realtors, financial advisors, mortgage lenders are also hosting classes, seminars, and lunch/learns. An accomplished author, speaker, and Boston University Professor, Anthony Abraham Jack, joins the podcast to "teach" us how to be more effective presenters and teachers. He shares tips can help you lead a lecture hall of colleagues and/or connec...

Learn about the Friends of Boston's Homeless, a housing first non-profit organization dedicated to helping our vulnerable unhoused neighbors. Enjoy discovering the impact they have on our Greater Boston Community and how you can get involved. You can also join me as a sponsor, donor, or golfer at the Friends' signature event, the 32nd Annual Friends of Boston's Homeless Golf Tournament...

Many realtors hear and empty nesters say, "We want to downsize, but I don't think we can afford it, even if we sell our home." Harlan Accola, one of the nation's most respected Reverse Mortgage experts, busts Reverse Mortgage myths, explains how to use a reverse to purchase, and how realtors can use these strategies to increase listings and overcome objections! You will leave this interview, with...