Shawn Ziem's Blog

There are four types of buyersType #1: First time homebuyers-This type has never bought a home before, and they are a little unsure of themselves. They need someone to hold their hand and guide them through the process. They are an important group of buyers, and they almost always use a real esta...

                                                                                  TRI-STATE MORTGAGEZiem's Core Values________________________________________________________________________I have decided that without exception I will:•Þ     Ask questions and listen to my clients in order to full...

I have used this flyer with agents I work with on open houses. They have given me some good feedback on the usefulness of the form. Let me know what you think and if you need financing flyers for any upcoming open house. I lok forward to helping agents sell homes.Open House SurveyHOW DID YOU LEAR...

Whether you are planning to buy your first or second home or refinancing your current mortgage, making the right choices now can save you thousands of dollars over the life of your loan. Understanding the past practices of other people will help you make the right choices for your future.  I pres...

Why do you want a professional real estate appraisal?  America's wealth lies in real estate and figuring out the value is important to your economic well-being.  The job of the professional appraiser is to determine the value by gathering and analyzing the property and appraisers are an important...

Now, let me tell you that home ownership is one of the key ingredients to building wealth. Take any 100 people at the start of their working careers and then follow them for 40 years until they reach retirement age. Here's what you'll find: only 1 in 4 will be really wealthy and financially secur...

"Prescription before diagnosis is malpractice!"  1.     Before phone or in-person appointment, Fill out form online http://www.opteum.com/sziem2.     We do a credit analysis, review together over the phone3.     Analyze your financial history (page 5 of the 1003)4.     Shawn Ziem gives his diagno...