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Perhaps you re a homeowner in need of some quick cash.

Maybe you want to consolidate your debts so you have better control of your money.

Perhaps a lender is urging you to refinance because interest rates are low, and he has a too-good-to-be-true deal that will shorten your current loan s term.

Here are 6 essential questions to ask yourself before making the decision to refinance.

1. What s My Motive and What Will It Cost Me?
Before you even consider a refinance, ask yourself this fundamental question: Why do I need it?

Many times, people take out a new, larger loan to pay off credit cards, automobiles or even to purchase another home, says Norm Bour, host of the nationally syndicated U.S. radio program The Real Estate & Finance Show, and an experienced mortgage lender. Sometimes they need the money to do home improvements or renovations.

If, however, you want to lower your current loan payments or switch to a different type of loan, you must calculate the benefits before going the re-fi route.

If someone is going from a fixed loan to another fixed loan, my general benchmark is to see a 1% reduction of interest rates to justify it, says Bour, who also teaches money-management classes in Southern California. Sometimes the borrower goes from a fixed-rate loan to an adjustable to lower his payments. Sometimes he does just the opposite maybe to get away from interest-rate volatility. These are very personal decisions, specific to each individual client.

2. How Long Will I Be in the Property?
You may already know or suspect that you will not live in your current home beyond a certain timeframe (perhaps 5 years). If this is the case, why would you even consider a 30-year loan?

Sometimes, an adjustable-rate loan or a hybrid say, a 5-year fixed, then converting to an adjustable makes the most sense, Bour says.

3. What Am I Worth?
Do your homework before trying to qualify for a new loan. You should know:

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The approximate market value of your property, as loan to value (LTV) is one of the primary factors that control interest rate, Bour says.

Your credit score, which will affect your overall ability to secure a loan, as well as the interest rates offered and the options available to you.

4. Do I Have a Competent Loan Officer?
In certain cases, refinancing may not yield a monetary savings, per se, Bour says. This means there must be compelling reasons to secure a new loan, he emphasizes.

A good loan officer will ask a series of questions to help the borrower identify his best option, Bour says. The officer should:

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Assess your current monthly cash flow and potential future risks.

Calculate your monthly savings if you were to refinance.

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Determine how long it will take you to break even.

Fully explain the different types of loans and interest structures.

Disclose all closing costs and hidden fees (origination fees, escrow, title, underwriting, interest, taxes, insurance, prepayment penalties, etc.).

Treat you with respect and as an individual not come up with a one-size-fits-all, cookie-cutter approach to your financial future.

5. Do I Need a Second Opinion?
Because lenders have an interest (pun intended) in having you sign on the dotted line, it s often worthwhile to seek advice from a certified financial planner or other expert who has no investment or agenda when it comes to your refinancing decisions especially if you re a first-timer who lacks fluency in real estate issues.

Accept your limitations, and have enough smarts to ask for help. A lot of money is riding on this decision, so never let pride get in the way of making the right choice.

6. Will This Hurt My Credit Rating?
While refinancing, in and of itself, will do very little damage to credit scores, what will cause harm is excessive shopping amongst too many lenders, Bour says. Each time a credit report is pulled by a potential grantor of credit, it shows up as an inquiry and each inquiry drops the credit score by a little bit.

In the United States, the laws have changed over the past few years, and inquiries do not have the same negative impact as they used to. Most credit bureaus will now look at a cluster of inquiries over a short period of time as being one inquiry.

——–
Mortgage Relief specializes in assisting Australian families with mortgages by making their monthly repayments more manageable and decreasing their overall debt and total interest paid over the life of their mortgage. Mortgage Relief is a mortgage refinance provider that it part of Australia s largest Debt Relief organization. Visit Mortgage Relief on the web at http://www.mortgagerelief.com.au or contact them directly on 1300 789 014.

About the Author

Rob Sallay

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“How to Transform a Boring Message Into A Killer Cover Letter”

The AIDA formula is as old as dirt. It was taught when I was in school over a decade ago. And it’s still being taught for good reason - it works! When you apply it to your cover letter, it has the power to transform a regular cover letter into an attention-grabbing “Killer Cover Letter” that’ll make your phone ring off the hook.

AIDA is an acronym. It stands for Attention, Interest, Desire, and Action. It describes the process marketers want to take their prospect through in order to make a sale.

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In this case, the prospect is the hiring manager and you’re selling yourself in the sense that you want the hiring manager to contact you for an interview. So I’m going to show you how to grab the hiring manager’s attention, create interest, arouse desire, and ultimately get him or her to take action (pick up the phone and call you for an interview).

By the way, I’ve tested this killer “System” so I know it works. Ready to get started?

Attention

The first thing you need to do is grab the reader’s attention. You must get the reader’s attention before he or she can become interested and desirous of your offer to come in for an interview. We’re all busy and we all have several things going on in our lives. So how do you cut through the clutter and grab the reader’s attention?

There are several ways actually. One way is to create an attention-grabbing opening sentence or headline as copywriters call it. Think of it like the headlines in newspapers and magazines. You choose which articles to read by quickly glancing at the headlines, don’t you?

Okay. Your exquisite urge to examine more would be contented further. Keep reading, you’ll find some additional information.

So why not put an attention-grabbing headline on your cover letter? Most cover letters don’t have an attention-grabbing opening sentence so the mere fact that your cover letter even has a headline separates you from the pack and draws attention to your message, wouldn’t you agree?

Let’s say you’re walking along a crowded street and you spot a friend of yours on the other side of the street. Let say his name is Joe. How do you get Joe’s attention? You could start jumping up and down and yelling, “Hey! Over Here!” That might work.

A better way would be to yell “Hey Joe! Over Here!” That’d be more likely to catch Joe’s attention, wouldn’t it? Because he hears his name. Personalization increases response dramatically.

Now let’s take that thought and apply it to your headline. Adding personalization to your headline is a great idea. Use the recipient’s name right there in the headline. It makes the message more personal and increases the chance the message is read.

Let’s take that one step further. Say you’re looking for a job as a nurse and you know the hiring manger’s name is Susan. Susan is understaffed and looking for nurses. So give Susan an attention-grabbing headline to open your cover letter.

How about this, “Susan, Finally! A Nurse Who Can Do More Than Take A Temperature! But don’t stop there. Make it big and bold. Remember, it’s a headline. Make sure Susan notices the headline. Grab Susan’s attention.

How could Susan possibly not notice that headline strategically placed at the top of your cover letter? And you can take that simple concept and apply it to a cover letter to any hiring manager for any job.

Now that you’ve grabbed the reader’s attention with the opening sentence. Now we’ll get them interested, arouse desire, and get them to take action. Let’s get moving.

Interest

The next step is get the reader interested in what you have to offer. In this case, since you’re applying for a job, the goal is to get the reader interested in you, right?

So how do you do that? You feed them interesting facts. Like how much money you saved your previous employer. By telling them how you were at top of your class. Or that you were one of the top salespeople and the qualities you possess that enabled you to become a top performer.

Look at your past. There have to be some accomplishments you can talk about. And you must possess some strengths that enabled you to achieve those accomplishments. Don’t keep them to yourself. Tell the hiring manager. Create enough interest to make the reader want to know more. How else can they make an informed decision? You’re not helping anyone by holding back.

Desire

You’ve grabbed the reader’s attention and created interested, now you’ll arouse desire by describing the benefits the company will get if it “buys” what you’re selling (which is you). What are the benefits of hiring you?

You’ve got a proven track record. You possess qualities that have made you successful in the past and will continue to make you successful in the future. The hiring manger will be congratulated for making such an outstanding hiring decision. Those are some general ideas. I’m sure you can think of some that are more specific to you and your situation.

Fill in the details that apply to your situation. Do you have some special certification or accreditation? Do you have a specialized degree? Do you have unique and relevant experience that make you an ideal candidate for the job? Surely, there are several benefits you can use to sell the hiring manager on bringing you in for an interview.

Even if you’re trying to switch careers, my killer “System” will get you noticed. You’ll get interviews just because the hiring manger wants to meet someone who’d send such a creative cover letter.

Action

All that’s left now is to get the reader to pick up the phone and call you. Don’t leave the reader hanging. You’ve grabbed their attention, created interest, and aroused desire. Now tell them what to do next. And don’t be timid. I like to use a subheadline - a headline within the letter. It looks like this:

Here’s What To Do Next

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Can you be any clearer than that? I don’t think so. You could also use something like: “Here’s How To Schedule An Interview With Me ”

Then give them your contact information - all of it. Your phone number, fax number (if you have one), mailing address, email address, cell phone, etc. People are different and you don’t know what their preferred method of communication is so make it easy for them to “order” an interview with you.

Some people will want to pick up the phone and call you. Others prefer email. So give them multiple ways to contact you. That increases the chance they’ll contact you for an interview. And that’s what you want, isn’t it?

So there you have it, the AIDA formula. Apply it to transform stale, boring cover letters into Killer Cover Letters that’ll get the phone ringing off the hook.

Here’s What To Do Next

Hey, haven’t you seen that somewhere before? Well, if you liked this article, you’ll absolutely love my Killer Cover Letter “System.” You can get all the details at: www.CoverLetterGuru.com

To Your Extreme Success,

Robert A Phillips

About the Author

Robert is an author, speaker, and real estate entrepreneur(both on & offline). Robert applied his direct response marketing skills to develop a Killer Cover Letter System that produced 3 job offers in 72 hours. Please visit www.CoverLetterGuru.com to find out more about Robert’s Killer Cover Letter “System.” To request your FREE Report send a blank email to report@CoverLetterGuru.com

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