Jody Bruns' Niche Marketing

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RECENT BLOG POSTS
It's great getting new clients - whether selling a new home or closing a new loan. Sometimes we don't realize how our hand in a transaction plays into other facets of our client's circumstances.  Take Marital Property vs. Separate Property for instance. Generally, there are three basic questions ...
07/06/2016
I received quite a few inquiries to further elaborate on my Price-to-Rent Ratio post, so here goes: Even though we can do a quick calculation of the Price-to-Rent Ratio: what does that number really mean? Boiled down – just remember that if the number is lower than 20% it is in the best interest ...
07/05/2016
Breaking Down the Price-to-Rent Ratio in Your MarketThe price-to-rent ratio is a measure of the relative affordability of renting and buying in a given housing market. It is calculated as the ratio of home prices to annual rental rates. So, for example, in a real estate market where, on average a...
07/01/2016
Income vs. Qualifying Income Jody Bruns   Often times in a divorce and mortgage situation there are various types of  income to consider: Employment Income; Alimony/Maintenance Income;  Unallocated Maintenance Income; Child Support Income; Property  Settlement Note Income; and more. Although all ...
06/30/2016
A common question I am often asked is, "How long do I need to wait to purchase a new home after I had to short sale my house; let my home go into foreclosure; filed bankruptcy; etc.?" The answer is more grey than black and white for some borrowers now that there are "Extenuating Circumstances." T...
06/22/2016
Did you know your sellers might not be totally out of luck with regards to their Capital Gains Exclusion if they sell within 2 years of purchase? We all know you have to live in your home for 2 of the previous 5 in order to use your full exclusion of $250,000 single or $500,000 married on the Cap...
06/20/2016
Do you have any real estate clients who could benefit from a Buy Down on their interest rate? Of course you do - but do you understand how a Buy Down can help them? A Temporary Buydown is a mortgage loan option that reduces the borrower's interest rate for a specific amount of time. The main bene...
06/17/2016
 Have you ever had a client downsize and plan to move into an investment property they own? You might want to pass on some valuable information and refer them to a tax accountant! It’s important to know and inform your clients that there is a new IRS tax rule on capital gains when making a previo...
06/16/2016
The Denver market is putting a strain on local appraisers! We are all experiencing the painful delays with appraisals in the Denver market. I thought I would give you some information that might help you and your current listings and or purchase contracts. New American Funding has just added a 3r...
06/13/2016
Working with divorcing clients requires patience and knowledge! Having been introduced to the opportunities in the Divorce Real Estate niche in part 1 of my post, let's look at some of the required knowledge a real estate professional should have in order to be successful working with divorcing c...
06/13/2016
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Jody Bruns, CDLP

Niche Marketing Expert in Real Estate & Mortgage
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