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The NEO Experience

⚡️ MISSION: Change The Mortgage IndustryTo CHANGE THE MORTGAGE INDUSTRY, we have made an investment in creating a next generation tech platform that we call the NEO EXPERIENCE⚡️ PURPOSE OF THE NEO EXPERIENCE: To Train, Develop, and Mentor the communities we serve by providing access to FREE tools and resources, and increase awareness revolving around Financial Literacy // Creating Generational Wealth.⚡️ ENDSTATE: An educated, empowered, and confident family leveraging our holistic financial approach to create wealth through the acquisition of Real Estate are 1) open-minded, 2) understand their personal economy vs. the national economy, 3) fiscally fit, 4) proactive, and 5) passionate about achieving financial freedom in order to become mission essential and critical personnel for our communities and our nation........................................................................➡️ CLICK HERE TO DOWNLOAD THE NEO EXPERIENCE FOR FREE TODAY!.......................................................................⚡️ WHAT'S INCLUDED? ⚡️1. Credit Score Monitoring & Credit improvement Advice2. Spending Tracker & Budgeting Advice3. MORTGAGE READINESS ASSESSMENT TOOL - that will keep you in a basic state of pre-approval at all times4. Monthly Wealth Digest reports about your real estate5. HOME BINDER - "car fax for your home" - tracks appliances, paint colors, repairs/improvements and makes maintenance recommendations.6. Relocation Tech - helps you forward your mail, and set up utilities with ease.7. Our NEO "Annual Real Estate and Money Review" - Proactive guidance and support as your life changes and evolves........................................................................Our vision for what we can offer our clients is far beyond what most expect from their lender. We intend to create an entire new service category around managed financing.Thank you for your interest in our mission of CHANGE.Nick GolmitzMortgage Advisor | NEO Home Loans

Digital Open Houses

Revolutionize Your Open Houses with Digital SolutionsDear Listing Agents,In today's swiftly changing real estate environment, the intersection of technology and property marketing has never been more crucial. The digital realm is not just an alternative; it's becoming the standard, shaping the expectations of potential buyers and setting new benchmarks for property presentations.We recognize this shift and are thrilled to unveil our Digital Open House initiative. More than just a virtual tour, it's a holistic and immersive digital experience. Crafted with precision, our platform is meticulously designed to offer a deep dive into properties. From interactive floor plans and 360-degree visuals to detailed neighborhood insights and real-time buyer-agent communication, we ensure every facet of the property is highlighted.This isn't about replacing the traditional; it's about enhancing it. By integrating state-of-the-art technology, we aim to provide a richer, more informative, and engaging experience for potential buyers and their agents. With the Digital Open House, we're not just presenting properties; we're telling their stories, ensuring your listings are seen and remembered.Join us in redefining property showcasing, where digital innovation meets real estate excellence.⚡️ Highlights Of A Digital Open House ⚡️We can use some or all of the following features below. ⬇️➡️ Financing Details: We provide a unique Total Cost Analysis (TCA) video for each property. This breaks down all costs, payments, and options associated with purchasing the home, offering a transparent and comprehensive understanding of the financial aspects.➡️ Property Tours: We can integrate any property tour videos you've created and uploaded on YouTube. Showcasing the house inside and out, these videos are a valuable tool for immersing potential buyers in the property.➡️ QR Codes: Our special property QR codes can be printed and placed around the house during open houses. Once scanned, we capture consumer data, allowing us to provide personalized information about the property and financing options.➡️ Rate Buy-Down Video: Leveraging my expertise in rate buy-downs, I can create a separate TCA report showcasing different rate buy-down options that could be utilized to purchase the property.➡️ Traditional Property Flyers with QR Codes: We provide traditional property flyers alongside digital offerings. When scanned, these codes direct users to the property site URL for detailed information about the home.➡️ Matterport Video: We can integrate this into our site if you have recorded a 3D Matterport tour of the property. This provides an immersive visual experience for buyers and their agents, giving them a comprehensive view of the property.➡️ Appointment Scheduling Widget: Our property site includes a widget for scheduling calls using Calendly. This allows potential buyers or their agents to set up a 15-minute call to ask questions or discuss the property and financing options further.➡️ Pre-Approval Widget: We have a widget with my contact information and an application for those ready to proceed with a link to the loan application. This streamlines the pre-approval process and gets buyers one step closer to their dream home.➡️ Market Reports: This detailed report shows the actual numbers on income, demographics, and trends so that buyers and sellers can make a more informed decision on selling and buying.➡️ Bid Over Ask: This report can be customized to show a potential buyer who might hesitate to submit a competitive offer to a seller. This delivers a possible ROI on a bid over the list price.Our Digital Open House can revolutionize how you conduct open houses, enhancing the experience for potential buyers and increasing the chances of a successful sale. I look forward to supporting your next open house with these innovative digital tools.Nick GolmitzMortgage Advisor | NEO Home Loans

The Appraisal Gap: Bridging Value Shortfalls

Hello,In the ever-evolving world of real estate, we're dedicated to ensuring our clients have the upper hand, especially when faced with the challenge of low property valuations. This video delves into our unique approach when such situations arise.Our primary aim? To safeguard transactions from potential disruptions. We recognize the financial strain and emotional stress that can emerge when there's a discrepancy between the agreed contract price and the appraised value. Our solution seeks to shield our clients from the possibility of transaction cancellations and the burden of shouldering unexpected, additional costs to bridge this value gap.But our commitment doesn't end there. Leveraging state-of-the-art technology and a well-crafted strategy, we've transformed this solution into a powerful tool during the offer submission phase. By dispatching tailored presentations directly to sellers or their representing agents, we showcase our client's genuine intent and emphasize our dedication to ensuring a smooth transaction. This direct engagement often makes all the difference in getting our client's offers noticed and accepted.To illustrate this, let me walk you through a concrete example of how we've employed the Appraisal Gap Strategy to clinch more deals and fulfill our client's homeownership dreams.Nick GolmitzMortgage Advisor | NEO Home Loans

Modern Home Buyer Guide

Dear Potential Homebuyer,The world of real estate and home financing is ever-evolving, often presenting complexities that can be overwhelming. With the recent shift towards commission disclosure transparency, we recognize the importance of keeping you well-informed and equipped. This transition aims to enlighten homebuyers on the intricacies of home-buying finance structures, ensuring openness and knowledge at every step.Our team has galvanized its collective expertise to aid you through these shifts. We are delighted to introduce FOUR strategic approaches, meticulously crafted to optimize your home buying journey, making it as straightforward, transparent, and advantageous as possible........................................................................⚡️ DIGITAL OFFER ⚡️The future of home buying is digital. Beyond mere convenience, this transformation promises a custom-tailored, transparent experience. Shed the traditional constraints of prolonged wait times and cumbersome paperwork. Our innovative digital offers allow you to access instantaneous approval letters, bespoke video messages, and precise financial breakdowns. And, with authentic property visuals incorporated, every detail you require is readily accessible.Example ➡️ Digital Offer PresentationOr, >>> CLICK HERE FOR THE DIGITAL OFFER <<< .......................................................................⚡️ AFFORDABILITY SOLUTIONS ⚡️Affordability remains at the heart of homeownership. Our commitment is to devise financing strategies that expand your horizons. Whether obtaining an attractive rate or leveraging a specialized loan product, our focus remains steadfast: to render home buying accessible and affordable.Example ➡️ Affordability Solutions.......................................................................⚡️ APPRAISAL GAP ⚡️Discrepancies between appraisals and sale prices can be a cause for concern. Fear not; our appraisal gap strategy is meticulously designed to maintain consistent rates and payments, eliminating unforeseen financial hitches. We're resolute in keeping your home-buying trajectory predictable and stress-free.Example ➡️ Appraisal Gap Details.......................................................................⚡️ COMMISSION GAP ⚡️We've got you covered in instances where specific commissions might be overlooked. Our Commission Gap approach ensures transactional fluidity. We're adept at structuring your financing to encompass all costs, providing a hiccup-free journey.Example ➡️ Commission Gap Strategy.......................................................................As the real estate panorama evolves, it's crucial to have seasoned experts by your side. In partnership, we pledge to deliver unmatched guidance and value, ensuring your home-buying journey is seamless, transparent, and fulfilling.Warm regards,Nick GolmitzMortgage Advisor | NEO Home Loans

Modern Home Seller Guide

Dear Seller,Navigating the intricate real estate and home financing world can be daunting as the landscape undergoes transformative changes, particularly with affordability, values, commission conversations, and increasing lowball offers. I've assembled this playbook to illuminate solutions to our market's most pressing challenges. Consider this an educational tool and a resource you can share with your sellers. It's designed to answer some of the pivotal questions they may have about the nuances of selling and purchasing real estate under your expert guidance........................................................................⚡️ AFFORDABILITY SOLUTIONS ⚡️ Home affordability is a cornerstone in our industry. My team and I are equipped to devise financing solutions that cater to a diverse range of potential homebuyers. By securing favorable rates or introducing unique loan products, our goal remains steadfast: making the dream of homeownership feasible for more individuals. Example video on the sidebar: ➡️.......................................................................⚡️ APPRAISAL GAP SOLUTION ⚡️ We have a remedy when a property's appraised value doesn't measure up to the anticipated list price. Our appraisal gap strategy is tailored to bridge this disparity, ensuring that you, as the listing agent, can secure the most competitive offer for the property. I've incorporated a video detailing our approach to this challenge for a more comprehensive understanding. Example video on the sidebar: ➡️.......................................................................⚡️ COMMISSION GAP ⚡️ There are times when specific commissions might fall short. Fear not, as our Commission Gap initiative ensures a seamless transactional experience. We meticulously structure the financing to cover all associated costs, eliminating the possibility of any unforeseen financial hitches. Example video on the sidebar: ➡️.......................................................................⚡️ NEGOTIATING LOWBALL OFFERS ⚡️ Encountering a lowball offer doesn't have to be a setback. We have a tried-and-true strategy to counter such offers, striking a balance that meets the buyer's proposal without compromising your financial considerations. This approach ensures that both parties reach an equitable and satisfactory agreement. Example video on the sidebar: ➡️I aim to be a collaborative partner in your real estate journey. Our challenges in this dynamic market are surmountable with the right tools and strategies. I hope this playbook serves as a testament to my commitment to excellence and unwavering support for you and your clients. Let's work together to turn challenges into opportunities and achieve unparalleled success in our ventures.Warm regards,Nick GolmitzMortgage Advisor | NEO Home Loans

Reviews

"Nick provided multiple choices of financing, along with the Pros and Cons of each choice. My wife and I would highly recommend Nick Golmitz for your financial needs."

david c

"In a time of need or accomplishing goals I was extremely impressed and happy with the whole process. Nick golmitz has continued to impress in all ways and produce results every time."

eric a

"Nick is a true professional and I am so pleased with my home-buying experience. Making the decision to purchase a home was intimidating initially, but Nick talked me through each step of the process, made sure I understood the scenarios we discussed, and truly made the process of breeze. I would never have imagined the process could be as easy as this went. I am thankful for Nick and Team and their total support and guidance, which is truly priceless. Thank you for helping me accomplish this goal!"

nicole g

"All though it was our first time buying a home, Nick and his team made it possible and enjoyable. Nick’s thoroughness and knowledge allowed us to feel confident making an offer, then sit back while the rest of the process took place. Will absolutely recommend to anyone looking to purchase a home. We are looking forward to this continuing conversation about our long term goals!"

jake w

"We had an amazing experience working with Nick Golmitz from start to finish. My partner and I felt supported throughout the entirety of the pre-approval, our home search, making an offer, and getting the loan approved. Nick went above and beyond spending time with us to answer all of our questions and to educate us regarding our lending options, future refinancing, and the home buying process, which was important to us as first time home buyers. The sale went through seamlessly, in large part due to Nick’s diligence, meticulousness, and expertise in ensuring that all of our bases were covered. We cannot recommend his holistic mortgage advising services highly enough!"

alicia l

"Our interaction with Nick and his team exceeded all expectations. With adept skill, Nick led us through a multiple offer scenario and secured our dream home, even without making the highest bid in our initial offer. His impeccable timing in locking our mortgage rate proved invaluable as rates surged shortly after. Nick seamlessly blends his financial expertise with a compassionate approach. He took the time to enlighten us about our personal financial landscape versus the national economy, patiently addressing all our inquiries and ensuring we remained well-informed throughout the journey. Nick and his team's approach was evidently centered around more than just selling us a significant mortgage; their priority was delivering accurate data regarding the investment, assisting us in moving towards financial independence, and establishing a foundation for generational prosperity. We're incredibly grateful for his instrumental role in our homebuying journey, and most importantly, our financial future!"

andrew p

"Nick was an outstanding Morgage Advisor throughout our home buying journey. Even during the initial pre-approval phase (which is usually overly tedious), Nick made sure the process was as seamless and painless as possible. He helped us determine the best loan options for our family, as well as provided guidance on ways we could save/better invest our money moving forward. Overall, we felt that Nick was genuine in helping us make the best choices to set our family up for the future. Even after we closed on our house, Nick is still available to answer all the questions we have. Thanks again! Highly recommend!"

shana d

"My husband and I felt supported throughout the entire process. Any question/concern was answered quickly by Nick and team and we felt that it came from a very genuine place."

shana d

"What made this a great experience was the truly genuine and authentic nature of working with Nick and his team. There were no hidden agendas, no ulterior motives. It was like working with a family member that truly had our best interest at heart. I could not have asked for a better home buying experience. From the bottom of our hearts, THANK YOU!!"

eric l