Our strengths often become weaknesses because we rely on them too heavily, habitually doing what we do best instead of seeking the best things to do. Someone said, If your only tool is a hammer, you approach every problem as if it were a nail. Put down your old, familiar tools for now, or else find a different way to use them. Doing the right things, even very imperfectly, can bring you a quantum leap. Doing the wrong things, even if you do them to perfection, will never deliver your dreams.
Think Beyond What Common Sense Would Allow.
Webster describes common sense as: Ordinary good sense or sound practical judgment.
Ordinary, according to the dictionary, means: customary, usual, regular, normal; familiar, unexceptional, common; relatively poor or inferior. Webster also describes common sense as sound, practical judgment. The meaning of practical is: obtained through practice or action. In other words, common sense is judgment based on past experience. When you boil it all down, common sense is just what it sounds like - it is what people today commonly believe. And common sense is full of dumb, limiting ideas. It has always been that way. Common sense used to say the world is flat, people cannot fly, bleed people if you want to heal them. The idea of a man on the moon was once pure science fiction, so was television and the idea of a heart transplant. Common sense lies to you. It focuses on the obstacles, reviews what you have done in the past, studies the normal achievement patterns of people in general, and tells you what you can commonly expect to achieve. It is a self-fulfilling prophecy. Rely too much on common sense, and you can expect to see common results.
Quantum Leaps require you to start thinking about what you want, instead of what common sense says is the reasonable thing for you to expect. What would common sense say you can accomplish? What would be a sensible goal?
Uncommon sense says that you can accomplish astounding things. What would be a goal well beyond the boundary of improbable...far beyond the obvious next logical step?
What would you go for if you knew your success were guaranteed?
What would you do, how would you proceed, in terms of specific action steps?
Most people have the wiring in their brains messed up. They have decided to doubt the wrong things, such as their potential, the availability of breakthrough opportunities, and their chances for making a quantum leap. For now, if you must doubt something, doubt your limits. While it is true that you cannot make yourself believe in your ability to make the quantum leap, you definitely can act like you believe. You can go ahead and do what you would do if you had complete faith. You always choose how your going to act anyway. You decide how you are going to behave. You do not have to eliminate doubt to disregard it for the time being. Let it lie there, without influence, while you produce a remarkable set of results by acting as if your success is for certain. Instead of letting doubt decide what you will do, decide what you are going to do with your doubt.
You will understand the importance of being able to describe in one brief sentence the purpose of your refinance. You will feel confident knowing you are prepared with the proper details before contacting a lender. You will know to ask questions in order to find the lender that best fits you.
My name is Kate Ford. I am retired now but I have been in mortgage lending for more than 20 years. You could call me a mortgage insider. Over the years I have studied the mortgage business as well as my own clients to learn the often obvious as well as the not so obvious secrets to home loan financing.
If you are like most people, when it comes to getting the lowest payments and the best mortgage rates, you probably feel uncomfortable with the terminology and unfamiliar with the mortgage process. I can't blame you. There is no school to teach you how to refinance a home. I wish there was.
But there is something that you can do to take better control of your mortgage destiny.
Look! Here are three money saving tips to refinancing your home for the lowest interest rates. These secrets may seem like common sense to you but the best kept secrets are the ones often hidden in plain sight.
Here is secret number one. Know what you want before you ever begin your search.
Seems logical, doesn't it? You cannot imagine how often I heard people tell me they wanted the lowest mortgage rate. However, they couldn't explain the reason for their refinance or perhaps felt it was unnecessary.
But listen. We all want our best mortgage rates. That is a given. In order to get the best interest rate, a lender needs to know your purpose to refinance.
So focus on why you want to refinance. Help yourself and your lender by determining what you want before you get online or pick up the phone.
Ask yourself a critical question. If I were to tell someone in one sentence why I am refinancing, what would it be? Are you refinancing to pay off a car loan? To remodel? To reduce payments? To pay off a 2nd mortgage? The better you know your primary purpose the better results you are likely to see.
Secret number two is next. Take a couple of minutes to prepare before shopping for a mortgage lender, whether on line or by phone. Mortgage lenders are going to ask questions about your income, employment, expenses, and type of property you are financing. You will feel more confident and less frustrated if you don't have to go searching for answers while online or on the phone. This will save time, save energy, and especially save money on your refinance.
Secret number three is not so obvious but I can help. You may have to change the way you think though. Qualify your lender before your lender qualifies you.
What? Yes, you really did hear me. Before getting qualified for a home loan, you want to qualify your lender.
Why? It's important to determine if this is the right lender for you.
Most borrowers never think about qualifying their mortgage lender. I doubt if anyone has ever told you this hidden secret. But knowing what to ask is the first step to getting it. In fact, qualifying your lender is the most important exercise you can do when deciding what mortgage lender is right for you.
Most people are not aware of these hidden secrets. It has taken me 20 years to synthesize these and other secrets so that I could make it easy for the average homeowner and home buyer to find the best mortgage for their present circumstances.
Remember secret number one. Before you begin your search for a lender know what you want. Be able to explain in one sentence what is the purpose of your refinance. It is advantageous to do this before turning on your laptop or initiating a phone call.
Secret number two is be prepared before getting online. Gather personal details regarding income, employment, expenses, and your property. Knowing you already have the answers before the questions are asked will give you a boost of confidence.
Qualifying your lender before your lender qualifies you is the third secret and the one most hidden from view. Although sometimes a challenge to learn, it is the most crucial. It will be much easier to locate a lender that fits you if you know the right questions to ask.
Discover how much easier refinancing can be by simply following these three insider secrets to getting low mortgage payments.
Both Pj Germain & Kate Ford are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Kate Ford has sinced written about articles on various topics from Health, Finances and Family. Kate, a mortgage insider, translates the secret code of refinancing at so homeowners and home buyers discover how to find thei. Kate Ford's top article generates over 74000 views. to your Favourites.