BEVERLY HILLS, CA / ACCESSWIRE / August 3, 2020 / All around the world are individuals who are dominating the real estate industry. In today’s story, we’ll be highlighting a few of their stories for the world to read about.Cesar Piña (@flipping_nj)Cesar … Dendy Media
BEVERLY HILLS, CA / ACCESSWIRE / August 3, 2020 / All around the world are individuals who are dominating the real estate industry. In today’s story, we’ll be highlighting a few of their stories for the world to read about.
Cesar Piña has been rehabbing and flipping homes for over a decade all over New Jersey. With over 1,100 rental units across the country, Cesar is the definition of self-made and has grown from just a few rentals to a real estate empire. In 2019, he hosted over 30 real estate seminars and spoke in front of over 35,000 people around the United States with his real estate seminar partner DJ Envy co-host of Power 105’s The Breakfast Club. In Cesar’s words, “I want to give people in our communities the guidance I didn’t receive until later in my life. Change someone’s mindset, that’s the moment their life changes.” To learn more, follow Cesar on Instagram (@flipping_nj).
With over 17 years in the mortgage industry and more than 1 billion funded in home loans, Matthew Garland has emerged as one of the top advisors and leaders in the mortgage industry. He turned free social media platforms into an education source providing a wealth of information for information seekers on any level. He not only empowers individuals to become owners regardless of their current status. He also provides step by step tips on how to take advantage of ways to save money and improve their credit. If you’re interested in buying your first home, refinancing or investing, connect with Matthew today.
Robert Tuzzo is a 20 year veteran in the real estate & mortgage and residential finance space. Rob currently holds the Vice President position of Cross Country Mortgage, one of the largest privately held mortgage banks in the country. 6 years ago, Rob co-founded The New York School of Real Estate with Doug Vairo where they felt transactions were becoming more difficult than they had to be because the industry was underserved when it came to continuing education amongst real estate professionals. During the pandemic, they started zoom webinars where they continue to teach over 3,000 real estate professionals per week and are growing their following at a rapid pace.
Reunekiea Williams began her real estate journey at the age of 17 years old. She purchased her first investment property at the age of 22 with no income, credit cards and a college scholarship. She now has million dollars of real estate assets under management. She also co-owns a direct private lending company, Capital On Demand Inc, who raised over $7 billion dollars of private investors and institutional money to lend to real estate investors nationwide. If you’re interested in starting a financial plan or diversifying your real estate portfolio and need creative financing you can visit linktr.ee/fkfinancials and connect with her on Instagram (@reunek). She is also on Facebook and LinkedIn as Reunekiea Williams.
Shawneequa Badger is the product of Silicon Valley. She is the team owner of The Badger Real Estate Group, a top 10% team that provides full-service with Intero Real Estate Services located in the San Francisco Bay Area. Her business is not transactional, it’s transformational. Since starting her career in 2004, she was able to transition her business into a multi-tiered real estate company. She has the expertise and proven record to service the specialized needs of tech professionals and entertainers, as well as the average homebuyer/seller. Shawneequa is one of the fastest rising stars in the Bay Area’s highly competitive real estate market. You can learn more by following her on Instagram (@shawneequa) or visiting her website at www.REbySB.com.
Victor Bomi is a real estate investor, entrepreneur and author born in Lagos, Nigeria and based in Atlanta, Georgia. He is the CEO of Zirowin Group. Collectively, his business portfolio has acquired and closed over $11M dollars worth of real estate and been a keystone in closing 100+ real estate investment deals. Victor is also the author of the book series, “Investing In American Real Estate.” He has published two editions which can both be found on Amazon and at victorbomi.com. If creating generational wealth and financial freedom through real estate investing is something that you’re interested in, you can schedule a consultation with Victor at zirowinvest.com/consultation.
DeOnna Britt founded Law Clerk On Demand, LLC to provide real estate marketing lead lists to real estate investors and agents. Her team of law clerks research fresh court information such as probate, eviction and divorce cases to assist real estate investors or agents with finding properties for sale. DeOnna has taught at several real estate investor associations, meetups and conferences on topics such as business law, probate and real estate marketing. Law Clerk On Demand also launched the Real Legal Cash Course and podcast with a focus on real estate marketing. You can get her free training on “How To Find Real Estate Deals At The Courthouse” on her company website.
Dustin Brohm is the co-founder of the Industry Syndicate podcast network, the first and largest podcast network specifically for realtors, loan officers, and real estate investors. The network has over 30 of the top real estate and mortgage podcasts. Dustin is also the host of the Massive Agent Podcast, one of the most popular podcasts for real estate agents. He began his real estate career as a realtor in Salt Lake City and has grown to become one of the most sought after speakers and coaches in the industry. He has programs to help other realtors generate real estate leads, and to know what to post on social media each day. You can follow Dustin on Instagram.
Starting his journey off becoming one of the top realtors in New York, Michael LaVan decided to expand his brand into other aspects of the business. Owner of Homes By LV LLC, a real estate investment company, Mike has redeveloped homes in upstate New York and Atlanta, GA. These experiences in the real estate industry motivated him to write his first book “I Got The Keys,” a step by step guide for first time homebuyers. The book is currently on Amazon. To learn more about Michael, you can connect with him on Instagram (@pophlv_realestate) or on Youtube at Michael LaVan The Realtor.
In 2018, Andrea Lane & Brian Fine joined forces to build a massive portfolio of cash flowing rental properties. Today, their team acquires over 1 unit of income property per day. As their network grew, many other investors asked them to share their infrastructure and access to the same kinds of deals. In 2020, they launched Coast 2 Coast Turnkey to help other investors grow their own portfolios by providing the same deals, financing, property management, and risk control systems they use for their own properties. To get your done for you rental portfolio, you can visit their website at http://coast2coastturnkey.com.
Asia is a construction and real estate professional who is committed to developing and renovating Detroit, one house at a time. She has been in the Detroit construction environment since 2007, operating as an independent, capable and conscientious contractor. As a native of Detroit, Asia has invested, renovated, and flipped nearly 90 properties in the last six years throughout the city of Detroit. She has taught several in person and online classes to people around the world on how to properly invest in Detroit. Her social media following is steadily growing, and she uses social media as a tool to market her business and obtain clients.
Brandon Elliott is a real estate investor, podcast host, author, international speaker, and credit specialist. Brandon utilizes credit to implement the “BRRRR Strategy.” He has done numerous fix and flips locally in San Diego as well as out of state virtually with his worst project still being 60% cash-on-cash return ROI. Brandon has a thriving credit repair and tradelines company but prefers teaching people the credit hacks he’s been utilizing for years such as building credit lines, leveraging credit to purchase properties and more. To learn more about Brandon’s credit repair services, visit CreditRepairMobile.com and check out CreditCounselElite.com to start utilizing credit today.
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When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.
However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.
What is Sallie Mae?
Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.
In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.
However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.
In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).
At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.
What is the difference between private and federal student loans?
With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.
On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.
Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.
As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.
Are Sallie Mae loans better than federal student loans?
In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.
However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.
If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.
With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.
The bottom line
Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.
Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.
PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have.
1. Analyze Your Finances Quarterly or Biannually
You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.
With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.
The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.
4. Savings and Retirement Accounts
The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.
A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies.
Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan.
Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito.