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Charles C. Hoskins leading from the front! Spearheading Wounded Warrior Fundraiser for Reality Realty Virginia Heroes, Virginia's #1 Homes For Heroes Affiliate Brokerage! 1500 dollars for the cause and hundreds educated on the Foundation and National Hero Home Buying Program.http://www.worldslargestgolfouting.com/bcg_bio.cfm?sid=2783

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From...The Front Line Logo
We interrupt this week’s From the Front Line 10 steps series, to announce our National Coaching Webinar next week. Be sure to mark you calendars for Wednesday, Aug 21st at 12:00pm Central as this will be one you don't want to miss!

Coming straight from one of our top affiliates, Sam Cachola will share the secrets to his success. Sam has been featured on several news stations during prime time in the DC metro area, been personally invited to events by local General's and other dignitaries and had hundreds of hero closings over the last few years all at little to no cost to him. Getting your mind aligned with the right Homes for Heroes mindset is essential to your success with the program and will enable you to build your own program to be even bigger than you could possibly imagine, helping you reach every single hero in your local market!

Register for The Homes for Heroes Mindset Webinar
on Aug 21, 2013 12:00 PM CDT
by CLICKING HERE

After registering, you will receive a confirmation email containing information about joining the webinar.

 

Watch for next week’s From the Front line, for the final steps to being a successful affiliate in 5 weeks.
 

!Up Close and Personal With A Top Affiliate and The Reality Reality Realty Team!

Reality Realty   We took to the streets and asked some of our most successful affiliates a series of questions to see what makes them a top affiliate. This month we turn to Sam Cachola, Broker affiliate with Reality Realty in Stafford Virginia.
                                                                                
HFH: What made you want to get involved with Homes for Heroes?

Sam:

Speed to Market! I was already giving back to my Hero clients. So much so that I was in the middle of starting my own company that supported the SAME Hero population. When my team was doing our due diligence we found the HFH team beat us to it! Once I got over my disappointment, I gave Homes For Heroes a call and evaluated whether or not it was pure of heart or a coupon/gimmick/bait switch. It was very important for me that the program be “pure” and not a gimmick.  I am a Marine and a former Polygraph Examiner, married to a Nurse, and all my friends are Heroes i.e. fire fighters (Dear friends are Chiefs ,Lieutenants EMT), Law Enforcement ( Capt, Detectives or Feds),  and some are Pastor/Deacons. I could not in good conscience be a part of a gimmick in anyway shape or form. After lengthy discussion with the team, doing my own due diligence and validating the “Heart” of the program I decided to become an affiliate. 


Caleb Shaw, our Texas Affiliate and Air Force Veteran, says it best , “This isn't a marketing scheme, or get rich quick at the expense of Heroes, this is real, there is no catch!” Once I saw the sincerity in Caleb and verified it with my due diligence it was a no brainer. I never wanted to own the idea. I wanted greater impact for my Hero clients and community. The way I figure it HFH had saved me six figures in marketing material, back end systems, and time! All I had to do was plug in and focus on my “WHY” which was reaching more Heroes, impacting their live positively, and making a difference in the community I live and work in. 
Speed to Market! 

 
HFH: What marketing techniques do you find to be the most successful for you?

Sam:

This is a service and folks need to understand that! Its not about a coupon or spending thousands on a marketing blitz. It’s a program rooted in service, therefore go out an serve. “Kiss babies and squeeze palms”. Educate folks on how you can both help them and their communities with the program. If you want something you must give it! Heroes from all disciplines pride themselves on giving support, ergo that is what they give that is what they want! They could give a shit about you 100k radio add or “savings” program. Give them what they want not what you think they want! Pretty good advice for any relationship actually, and make no mistake about Homes for Heroes, this is a relationship! You will either address the needs, embrace your responsibility to meet those needs, or it will wither and die like any other relationship.


HFH: Have you tried something that didn’t work as well as you had hoped?

Sam:

Home Shows early on. Hind site being 20/20 no surprise, focusing on the house/discount is not at the heart of the program. Find opportunities to touch the heart and you will get the jump start!


HFH: Is there something you've done that turned out really well?

Sam:

Any event where you can talk to people directly and educate on the program, the process and its ability so change lives! 


HFHWhere do you get most of your hero clients from?

Sam:

Direct Marketing Events initially, BUT Referrals are the majority, period! So every Hero client you touch you better take care of. Heroes talk and will refer, its our nature. Do me right I will do you right. The inverse is true, screw one you slam the door on all! “Screw me on accident or screw me on purpose I'm still screwed!”, that is what I say. You better bring you A game, be ready to serve and have your back end process ready to nurture! Its about the Heart not the coupon!


HFH: What do you feel makes you so successful with the Homes for Heroes program?

Sam:

CSI. Clarity/Sincerity/Integrity! It does not take an investigation to figure this one out. 
Get clear on why you want to be a part of the program? Sincerity in all you do, that is what Heroes bring to the game daily, they deserve, earn and expect it back!Treat every hero transaction with the integrity you would like to be treated with yourself!

 
HFH: If you could give one piece of advice to other affiliates what would it be?

Sam:

Stop treating the program like a coupon and get your “group on”! Take it to the people, satisfy their needs! Zig Ziglar says it best, “If you help enough people get what they want you will get what you want”. Its not rocket science, but is certainly an applied science. Never forget what Zig says about sales,”Sales is something you do FOR people not TO people”. Focus on the FOR and you will never worry about what happens TO your business!
 

Sophia Ahmed is now an Accredited Buyers Representative!  Congrats and a thank you for taking the time to hone your skill  and better prepare herself to serve her clients!  

 

www.VirginiaHeroes.comhttp://www.Virginiaheroes.com

Reality Realty Virginia Heroes FHA Lending Changes Update

by Sam Cachola

 

Stay on top of Lending Changes. FHA changing the requirements:
 
Effective for all FHA Loans with Case #’s issued AFTER April 1st, 2013.
Affects all traditional 3.5% down FHA purchases.
Old Guideline:  Monthly PMI - 125 BPS – Cancelled at 78% LTV & 5 years
New Guideline:  Monthly PMI – 135 BPS –PMI to remain for life of loan !
Yes. It’s true. April 1. That’s the date set by FHA to raise mortgage insurance premiums again. If you are working with FHA borrowers who are thinking about purchasing a home, moving now would make sense with rates rising and FHA set to raise premiums.  This increase will cost the average FHA borrower more than $150 per year and those who purchase homes and make application before this date will be eligible for the lower mortgage insurance costs.  
FHA is also increasing down payment requirements for certain loans in the next few months. It would also be wise to see if your clients qualify for a low down payment alternative for FHA financing. If you would like more information, please contact me.
FHA faces a $16.3 billion deficit due to a rise in delinquencies over the last few years, particularly among loans that originated during the housing bubble from 2007 through 2009. FHA is a big contributor to first-time home buyer funding. It insures about 1.2 million residential loans, which is about 15 percent of all U.S. home loans.
The number of loans it insures has increased dramatically over the last few years. In 2006, FHA insured just 5 percent of the all U.S. home loans. FHA is federally mandated to maintain a 2 percent capital ratio—a target it has yet to reach in four years. Its current ratio is negative 1.44 percent, according to a recent audit of its finances.

Wounded Warriors Supported at Fredericksburg Baptist Church!

by Sam Cachola

Fredericksburg Baptist Church Support our Wounded Warriors

 

"Recipient of the 2013 Entrepreneur Of The Year Award"
 

Reality Realty's MLS Smart Phone app voted number one Real Estate app in Virginia! Download now and get direct access to the same systems all brokers use!  Text message to 87778 with 1VAMLS in the body of the text message will receive a reply with a link to download the #1 Rated Real Estate App in Virginia! Plug in now and get the information and service you deserve! 

 

New Chem-Dry Franchisee to Use Profits to Support Fellow Veterans

Retired Army Sgt. Chad Yancey opens Chem-Dry carpet cleaning franchise in Stafford, Va.

STAFFORD, Va. — A veteran who medically retired from the U.S. Army in 2012 is launching a new business — one that will support not just his family, but also his fellow soldiers.

Sgt. Chad Yancey, 29, launched Honor Chem-Dry carpet cleaning franchise on Feb. 11 to serve Stafford, Manassas and surrounding areas, and he plans to donate 10 percent of his profits to veteran organizations, with the money to be split between Wounded Warrior Project and Disabled American Veterans. His business number is 571-989-3039, and customers can book online atwww.chem-dry.net/honor.va.

Yancey found his way to Chem-Dry through a career transition program offered by the Army.

“I took a class on franchising, what they were, how they have an increased success rate, and how their training and systems lend themselves to military members, and I was really intrigued,” he said. “I liked the idea of starting my own business and spent a year researching the franchise industry and found a few that had a compelling return on investment, including Chem-Dry.”

Founded in 1977, Chem-Dry is the world’s leading carpet and upholstery cleaner, serving 10,000 homes a day. Its highly ranked franchise system, which consists of 3,500 units, extends worldwide.

Yancey thinks Northern Virginia customers will appreciate the healthier — and more thorough — carpet cleaning that Chem-Dry offers. Chem-Dry’s hot carbonating extraction method uses 80% less water than steam cleaning, and its primary cleaning solution, The Natural®, is green-certified and does not contain phosphates or detergents, making it safe and non-toxic for kids and pets. In contrast, steam cleaning uses soaps and detergents that can leave behind a residue that can trigger allergies and attract dirt, and the excessive water used in steam cleaning creates a breeding ground for mold and mildew.

“Everything about it makes sense,” Yancey said. “I couldn’t be happier with my purchase. The training and quality of the cleaning has really blown me away. I’m used to being part of an organization that is the best in the world, and I’m proud to be joining another one that is excellent.”

Yancey, who is married with a 2-year-old son, already has plans to expand to the south as his new business takes off, and he looks forward to employing veterans while helping others through his charitable efforts.

Dozens of veterans have used Chem-Dry to embark on new careers, and the company offers franchise discounts to those who have served. For more information, visit www.chemdryfranchise.com.

Media contact:

Chad Yancey

Honor Chem-Dry

571-989-3039

cdyancey@gmail.com

 

This is a gift! Get off the fence and get out from underneath thes 4 wall fiscal anchors! Get smart and get on the path to recovery. 
 
Happy New Year!!  Great news for our Short Sale clients – Congress was able to include the extension of the Mortgage Forgiveness Debt Relief Act in the fiscal cliff deal.  Below is an excerpt from a newspaper article.  For the full article see: http://www.housingwire.com/news/2013/01/02/mortgage-industry-fares-well-fiscal-cliff-deal-debt-forgiveness-law-survives
 
“One of the more watched provisions of the fiscal cliff was the Mortgage Forgiveness Debt Relief Act of 2007, which was set to expire on Dec. 31.  The fiscal cliff deal extends it for another year, meaning homeowners who experience a debt reduction through mortgage principal forgiveness or a short sale are exempt from being taxed on the forgiven amount.
"The amount extends up to $2 million of debt forgiven on the homeowner's principal residence," Compass Point Research & Trading said. "For homeowner's to qualify, their debt must have been used to 'buy, build, or substantially improve' their principal residence and be secured by that residence. The law, which was passed in 2007 with a 5-year sunset provision, will now be in effect until Jan. 1, 2014."”
 
Contact
Samuel Cachola
Broker@RealityRealtyPros.com
703-785-1158
 

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Reality Realty Professionals, LLC,
Sam Cachola Broker/Owner
44 Mine Rd Suite 2-169
Stafford VA 22554
Cell: 703.785.1158
Office: 540.628.0028
Fax: 703.842.8005