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We need you!

Friday, April 18th, 2014

happy jump 238x300 We need you!Utah Physician Home Loans is expanding and looking for one awesome experienced loan officer who loves life, creating insanely good experiences for clients, 100% transparency and excellence. If this describes you, it’s your lucky day. Your new passion awaits!

Please use our contact us form or email your resume and why you are awesome to info@utahphysicianhomeloans.com.

We look forward to meeting you!

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Homeowners Net Worth Over 30 Time Greater Than Renters

Wednesday, April 16th, 2014

Net Worth Homeowners Net Worth Over 30 Time Greater Than RentersHere is some great news to share with your clients:

Over the last six years, homeownership has lost some of its allure as a financial investment. As homeowners suffered through the housing bust, more and more began to question whether owning a home was truly a good way to build wealth. A study by the Federal Reserve formally answered this question.

Some of the findings revealed in their report:

  • The average American family has a net worth of $77,300
  • Of that net worth, 61.4% ($47,500) of it is in home equity
  • A homeowner’s net worth is over thirty times greater than that of a renter
  • The average homeowner has a net worth of $174,500 while the average net worth of a renter is $5,100

Bottom Line

The Fed study found that homeownership is still a great way for a family to build wealth in America.

Thanks to KCM Blog for this post.

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March Report Card

Monday, April 14th, 2014

crocus March Report CardMarch was a great month for our group as a whole. We we’re able to help 27 families into their new homes and all but two of them were very happy and would use and refer us again.

However, we fell short with two clients. As a reminder, this report card and the client satisfaction questionnaires are 100% real; we post the good, the bad and the ugly.

Why? Good question, I’m glad you asked. Because we believe in total transparency and if I were in your shoes, I would want to be able to see the good, bad and ugly, and then decide if I wanted to trust you to do my loan. This is how we treat you – exactly like we would want to be treated – with honestly, integrity, respect and humility.

So here goes the humility: we failed with two clients last month. It’s painful to say, it’s even more painful to post online for the world to see.

I’m reminded of my favorite Bill Gates quote, “My biggest critic will always teach me more than my biggest fan”. So painfully true, Bill.

So here it goes, for the month I give us a B. We received 78.95% excellent, 17.11% good (96.checklist  March Report Card06% above average), 1.32% fair and 2.63% poor.

Click here to see our March Customer Satisfaction Questionnaire

Keep reading March Report Card

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Mettle Family Thailand Adventure, Lessons Learned

Monday, April 7th, 2014

Here is a short video I made about our three month long adventure in Thailand. Whether you live in Salt Lake City, Park City, Provo or somewhere in between, you probably deal with the stress that our fast paced lives can bring along with the joys we experience too. I hope some of the lessons I learned will resonate with you.

Hey, it’s Josh and I’m just back from a three month sabbatical in Thailand. And I thought I’d just leave a little video here to capture the moment and the messages that are burning kind of bright with me as I return. It was an amazing trip. It was an incredible time with our family, something that we may never have a chance to replicate again for a very long time.

The couple of things that stood out to me were number one, people need time to defrag. They need time to get away and unplug and Americans don’t do that very well. We ran into a good number of Aussies who were out for a month, six weeks, and they just did that all the time. They thought three months was a long period of time, but our normal vacations of a week to two weeks, they just don’t get. Having never experienced a longer vacation, I always thought that the kind of European version of longer vacations were pretty weird.

But having gone through it, what you realize is, your body and your mind need a chance to just tune out. We just get pounded with communication and messages and marketing and it’s just a never stop kind of a world that we live in. And you get to place where you lose your enjoyment for life a little bit. It just kind of gets numb, at least that’s how I was feeling.

In going away and coming back, the best way I can describe it is, it feels like I hadn’t washed the windows in my car for twelve years, and then when I came back, my car was all detailed and the windows were clean. You just have this new appreciation for life. Just little things, you see things that you maybe never would have thought of or never would have caught your eye. But now those things are really important to you. And you have your fire for life back, which is really cool. So, I invite you to check out, if you can make it happen for three months, do it, a month would probably get the job done.

Another thing that I found that was really neat about Thailand and we went to Cambodia as well, is that, these people are unbelievably resourceful. I saw a guy on a scooter carry six buckets, big huge buckets of ice over his head while driving a scooter with one hand. He probably had 300 pounds of ice balanced on this scooter as he was driving through the market. Absolutely incredible.

I saw a guy in Cambodia on a little Honda 150, built in like the 70′s, this old, old motorcycle. And on the back he’d connected a trailer and he had 30 foot long bamboo shoots, huge bamboo shoots that he’d counterbalanced perfectly, and then had two kids sit on top and he was pulling down on the street. We’d need a semi-truck to get that done and he’s doing it with a 30 year old Honda motorcycle. It was absolutely incredible.

I saw five people on a scooter. Mom, Dad, infant up front, and a kid in the front between the mom and the dad, and a kid in the back. And the kid in the back was holding on with one hand while watching their phone. It was absolutely incredible.

So, the resourcefulness of these people, the determination of these people is absolutely, it’s just – it’s enlightening, it makes you think completely in a different way. And that’s something that I bring back with me and start to analyze why we do things, how else could it be done, what else could we get done with what we have.

So the trip and all taught me many lessons. It was amazing to be able to spend the time with my family and the bond that we’ve created, which definitely feels deeper to me now after spending such one on one time. I just wanted to share a few of those messages with you. Hope to connect with you soon.

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