TIPS ON HOW TO INTERVIEW

In today's competitive market you have to shine above your competition. Therefore it is critical to interview well. A poor interview can result in a lost opportunity, so here are a few tips to consider when you're looking for your new opportunity.

1. Appearance - You always want to dress to impress. It doesn't matter if the job opportunity you are seeking is one of a street sweeper. Make sure that you are the sharpest street cleaner in your town.

2. Preparation - Always do your research on the company before you have a telephone or face to face interview. If you truly are interested in the position, then you need to know what the company's background and philosophy is to make sure it's a good fit.

3. Resume - There are thousands of online tools that will show you how to prepare a good resume. The best rule of thumb is to keep it simple. Although that may be hard to do within the Technology field, just remember to keep it as clean as possible. Also put your technical skills (i.e. hardware, software, networks, protocols) under each job you've held. It's okay to list skill sets under a summary, but most employers and HR professionals want to see when and how you used those skills.

4. Questions - Make sure you are prepared to ask questions. Remember this new job is like a partnership or marriage. You must get a good feel for what your new partner expects in this new relationship. Remember, never start off talking about money, you haven't gotten the job just yet, therefore tell your potential employer that you're looking for the best possible offer.

5. Follow-Up - I can not stress this enough. Always send a thank you email or follow up email to let your potential employer know you appreciate the opportunity. In other words, you're letting them know that you are interested and you're asking for the job.

6. Stay Encouraged - Unfortunately, you may have a few turn downs, but that's okay...be encouraged! That just means that it wasn't the right job for you. Remember you are entitled to have that perfect job that you seek. Your time will come, but you've got to keep the right attitude!

Finally, keep sending out those resumes and networking.. You are your own Marketing tool, so get out there and make yourself known. Your New DREAMJOB is right around the corner.

IT A GREAT TIME TO REFINANCE!

ALTHOUGH WE HAVE NOT GOTTEN BACK TO OUR 2003 DAYS OF PAYING 4.00% ON A PRIME RATE MORTGAGE, WE'RE STILL LOOKING PRETTY GOOD WITH FHA AND CONVENTIONAL LOANS PAYING AS LOW AS 5.875% AND 6.00% INTEREST RATES.

ARE YOU LOOKING FOR CASH OUT TO PAY OFF ALL OF YOUR DEBTS OR DO YOU NEED CASH FOR THAT LONG AWAITED VACATION? GIVE ME A CALL TODAY AT 770-262-2218, AND TAKE A LOOK AT SOME GREAT REFINANCING OPTIONS.

THERE IS A PROGRAM FOR CREDIT SCORES AS LOW AS 520 AND INVESTORS AS WELL.

IT'S ALL ABOUT REFINANCING IN 2008!

THE NEW FHA

FHA has been around a long time, however just as the world is ever changing, so it is with Financing Programs and Options. Today you can qualify for an FHA loan paying as little as 4.00% to upwards of 5.75%.

Prime Rate is currently 3.25%, so you can see that an FHA loan can provide you with not only a fantastic rate, but the peace of mind that we so want to obtain in life.

If you are thinking of purchasing a new home or refinancing your current home, please give me a call and you'll be able to consider your options and make the best descision for how you live your life.

Call me, Karen Francis today on 770-262-2218.

12 MONTH BANK STATEMENT PROGRAMS

ATTENTION ALL SELF EMPLOYED /1099 /BUSINESS OWNERS or W'2 Emloyees

Chase has a great 12 month personal or business bank statement program loan that will get you qualified up to 95% CLTV. We also offer a lite doc program that only requires 6 month personal or business bank statements.

Give me a call today for detailed information on how this program works. Karen Francis 678-512-7039 or 770-262-2218

ATTENTION CREDIT UNIONS AND LOCAL BANKS IN GEORGIA

ORIGINATOR PLUS IS HERE!

Originator Plus is a great tool for local credit unions and banks. It allows you the freedom to offer more financing solutions to your clients. Chase Home Finance is your new partner in NonPrime Home Financing Solutions.

Call me to today at 877-520-2015 ext. 4020 for more information on how Chase Home Finance can grow your business and assist with your client retention efforts.

Karen Francis

NO MIN CO-BORROWER CREDIT SCORE REQUIRED

NEWS FLASH! I was pleasantly surprised to discover recently that JPMorgan Chase Home Finance does not have a min credit score requirement for co-borrowers. Yes, that's right! If you (the borrower) has a score of at least 500 and your co-borrower has a 400 credit score, JPMorgan Chase has a loan program available for you.

Please give me a call today to find out more. Karen Francis/JPMorgan Chase NonPrime Unit - 678-924-4020 or 770-262-2218.

4 Steps to Establish or Rebuild Your Credit

The first step in establishing or rebuilding your credit is knowing your current status. Once you've requested your credit report from all three credit bureau's, then you will know what your credit status as well as your credit score is.

Most people think if they pay off all of their outstanding debts and close their accounts that this will improve their credit. Unfortunately, we live in a world where everything is credit or credit score driven, therefore you must establish credit and not simply pay all your debts off and close the accounts.

I had a client 4 years ago that wanted to open an equity line of credit on her house. While reviewing her credit report I realized that the last credit account she had opened was 20 years ago. Although she had a home with a tremendous amount of equity there was nothing I could do to help her obtain a home equity line of credit. The client did not have any open/current credit accounts established.

Once you know your status, the next step you want to take is to acquire a secured or unsecured credit card in the amount of $250.00 to $500.00. Use the card and pay it off every 30 days and over a 3-6 month period you will see a positive increase in your credit score.

Once you have at least established some credit the next step is to try for a big ticket purchase such as a new or used car. Regardless of your income make sure that your first car is an affordable car. Always take into account the cost of the maintenance on the vehicle as well as the cost of the monthly insurance premium.

Your next big purchase will be a home, so be sure to manage your credit well and pay down your credit cards debts significantly before you take steps in becoming a home owner.

Remember the steps...1. know your status 2. establish 3. build and 4. maintain.