Al Auger, Author of Pure Profits

As published in Scotsman Guide's Commercial Edition, February 2005.

Question:
I am a mortgage professional who wants to increase my commissions while assisting my clients at the same time. Can you please give me some suggestions for doing so?
Answer:
Real estate is the best investment opportunity today. As a mortgage professional, you should know that and believe it with all confidence. Once you do, your service to your clients will be superior. If there is the slightest doubt in your mind, the following facts will blow it away.

This generation has experienced the evaporation of stock market equi­ties. Retirement funds and 401(k)s have been hurt badly. A recent investment study comparing equities to real estate over a 30-year period found that real estate was the undisputed winner. So what does real estate offer that equi­ties don’t?

Consistent returns are possible because land is a limited quantity, and properties with great locations are even more in demand. Since demand for these properties exceeds supply, real estate can offer the best invest­ment time after time. Even during down-market cycles, a hard asset like real estate will not evaporate. The uses of real estate can adjust to the market conditions. For example, if you had to do so, you could grow crops on your property. In addition to flexibility of use, acquisition and sale provide the same option.

Ownership of real estate comes in many forms. You can purchase property with cash, with part cash and part con­ventional financing from a bank or other financial institution, with a purchase money mortgage (a mortgage held by the seller) or with any combination of the above. As such, virtually anyone can take advantage of various real estateopportunities. As a lender, you can use these scenarios to help your client properly structure sound investments.By doing so, you will have more loans, more money in your pocket and more satisfied clients for your future business.

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