Here are the TOP 3 misconceptions of a REVERSE MORTGAGE: (do a fast forward video of me going down the stairs then talking)
1. The bank or lender will own your home - This is not true, you will still own your home and be responsible for property taxes, insurance, and upkeep.
2. You can owe more than your home is worth - This is also not true, as the loan is based on the value of your home and you will never owe more than that amount.
3. Reverse mortgage is only for desperate seniors - This is a HUGE misconception as well. Reverse mortgages can be a helpful financial tool for retirees looking to supplement their income and improve their cash flow.
Happy Birth-MONTH!! As your mortgage lender, a leading mortgage coach and of course your friend, I want to remind you to celebrate not just your birthDAY but birth month and make it your best year ever. What you celebrate replicates! In my birthday month, I started taking the time to write myself a brag page or two and read it ad often as I can of all My accomplishments and then I send love and gratitude to the people that helped me make good things happen. And Yes- I said brag about yourself. Celebrate all the amazing things you have received from your hard work and Even how strong you had to be at times for pushing through experiences. When I first did mine, I felt a little embarrassed to compliment myself even though it was just me reading it! Enjoy celebrating YOU! Your a boss, happy birthday, birth month and make it your best year ever! And as a little present, I’ve attached a brag page to get you started! Happy birthday.
Veterans!
Here’s what you who do know about your homebuying opportunities:
You can get into a house with no down payment
No mortgage insurance
Typically an average of .5% lower than a traditional product
Book a call to find out what your options are here for you to invest in real estate! It’s one of the fastest and smartest ways to grow your wealth and generational wealth. Thank you for your service and I hope to serve you in the home buying process.
Success is Learned
Did you know that our brains millions of years ago were wired to protect us and to recognize fear but our brains weren’t exactly wired for success. Success can be learned! There is so much information out there by just scrolling on YouTube (you can go on my you tube channel for mortgage lending info) this stuff a lot of times is for FREE, you can read books that have been written by absolute genius brains, and podcasts, it’s endless. Write your ultimate goals down and go learn how that success you deserve can be learned.
From Doubt to Homeowner
Rich people take earned income and INVEST it in Real Estate? Thats where they protect their money. Fact: We in the United States have one of the coolest opportunities to buying a home, a 30 year fixed! Did you know how rare that is? As a mortgage lender and mortgage lending coach, let me help you take advantage of that and get a safe loan with no prepayment penalty so you “Marry the house, date the rate. Rates are expected to go way down in 12-24 months so after I find you something that works right now and is safe for the future regardless, you have the opportunity to refinance it when you gain equity and when rates go down. Respected experts that I follow say as low as the 4%’s in 12-24 months. When that buying frenzy happens and there are multiple offers on a house, YOU want to be the homeowner getting that equity. Is it your turn? Why wouldnt it be your turn? I believe that 75% is mindset and 25% is skillset in the road to success. In my Free 1 hour First Time Homebuyer Seminar, I will blast through the barriers stopping you whether its a true financial challenge or a shift you needed to make in your mindset. Click to get access to my “From Doubt to Homeowner” Masterclass, Now.
Insight # 2
Dan Sullivan wrote a book called "Who, not how?" I often apply this as a mortgage lender, because as an LO, you'll inevitably face challenges along the way. Rather than attempting to tackle every obstacle alone, you can hire a virtual assistant to do the 2023 technical stuff that we can get hung up on and that can pull us away from our clients and build a strong network of experts in related fields that know about things that maybe isn’t your strong suit. Surround yourself with experienced real estate agents, financial advisors, and other industry professionals. By seeking advice and collaboration from those who possess specialized knowledge, you'll navigate complexities more efficiently, saving time and resources.
Debt to Income Ratio
Debt to income ratios are important and us lenders use this to determine your max monthly outgo you can have to qualify. Let’s do easy math so an income of $100,000 per year gives you $8k per month. Most products can go about 43-55 percent of that for total mo outgo. Let’s assume you have no car payment, credit cards or student loan debt bc we do count that but let’s keep it simple.
Let’s say we chose a program where the max DTI is 50 %. So 50 % of 8k is $4k per month and that is the max your total (PITI) can be. Talk to a mortgage lender FIRST before you find your dream home and call an agent. My team helps get the money for the house and calculate what’s possible:
Book a discovery call
Do you know the real reason why you arent taking the leap today to get pre-approved for a loan or buy more real estate? The answer may surprise you. I’ve been in decision making situations and I thought it was one thing, when really there was a deeper worry that I had to work thru. It may be a limiting belief that you aren’t aware of like, your credit score isnt good enough and you have to wait until its better but really you feel you wont ever have good credit because you never have so why even try OR you won’t be able to afford it, thats a money trauma from the past or in other words a financial limiting belief OR you aren’t good at paperwork could be that you feel you are unorganized and the homebuying process will be too. I have worked through all of these beliefs in my 23 yrs as a real estate investor and mortgage lender. I would honored to have a real conversation with you and help find solutions to your conscious OR subconscious worries. Book a 30 minute FREE Discovery call and lets make some mortgage loan magic!
Leverage your money friends!
Pop news Adelle purchased Sylvester Stallones mansion for $58 million US dollars and although she is worth .25 of a billion she used a mortgage lender and financed the home. Now why did she do this? The rich get richer because they know that if they take that money and invest in other avenues they can make way more money than having the cash be plopped down and sit there earning nothing. there are so many ways to buy real estate without putting a huge amount of cash down and options for less than 20% down I do them all the time. Leverage your money friends!
Additional Scripts
Join Our Free Trial
Get started today before this once in a lifetime opportunity expires.
Hi Trailblazers
This is an excellent script to send to current Pre-Approvals/Clients/Closed clients (take a deep breath before you hit send and make sure you adjusted the verbiage to align with the recipients status and realtor correct name, etc) sitting in your pipeline whether actively looking, in contract or closed. Its an excellent way to get your realtors referrals. Add a video to this and Viola!
Hi [NAME]
Hope you’ve been great and are excited!
I have a favor to ask for X and myself. Since you’re in the process of buying a home, you’re probably talking real estate with a lot of people on a day to day basis. Friends, family, coworkers, neighbors, etc.
X and also my business, is built on 100% referrals from great clients like yourself so if you hear of anyone that is thinking of buying, selling or refinancing their home that we can help, please let us know. The best way to refer us is to tell them you have a great loan agent and Realtor you know and trust and if it’s ok with them, you'll have us give them a call.
Then send us their contact info. You may also start a group text and do the introduction. It would be a honor to help another person that’s amazing… just like you.
That way we can follow up and be sure they get all the info they need and are well taken care of.
Thank you in advance for your referrals! It helps us do better jobs for our clients like you as we can spend 100% of our time focused on their needs instead of marketing for new business.
Successfully,
[YOUR NAME]Scripts
Instagram Scripts for Ideal Client
Script 1
**HOOK:** I see you. I know you. You think homeownership isn’t for you—let’s change that.
**VALUE:** You might feel like your credit or finances will never be ‘good enough’ for a home, but I’ve seen so many clients start there. I know because my own family stayed in the rent cycle for years. Sometimes we don’t buy real estate because of broken money stories we carry. Let’s bust those myths and start your journey to generational wealth.
**CTA:** Drop a if you’re ready to see that homeownership can be for YOU, too.
Script 2
**HOOK:** The rental cycle doesn’t have to be your forever. Here’s why.
**VALUE:** Staying in the rental loop isn’t your only option. I’ve helped clients who felt stuck, just like my family once did. I know firsthand that homeownership is the fastest way to build wealth, with benefits like appreciation, tax savings, and income potential.
**CTA:** Comment “WEALTH” to learn how I help clients break free from renting and step into homeownership.
Script 3
**HOOK:** Think your credit will never be good enough for a home? I’m here to say otherwise.
**VALUE:** I’ve worked with clients who felt they were ‘too far behind’ to own a home. With guidance and the right loan options, they’ve made the leap. Sometimes the only thing standing between us and homeownership is a broken money story.
**CTA:** Tap the link in bio to discover loan options and see if you qualify to start building wealth today.
Script 4
**HOOK:** Buying a luxury home feels like a stretch? I get it, but let’s redefine what’s possible.
**VALUE:** Luxury home financing might seem out of reach, but with the right jumbo loan, I help clients turn big dreams into real homes. I’ve seen people go from doubt to delight as they walk into their dream homes.
**CTA:** Drop a 🔑 if you’re ready to explore what’s truly possible for your next home.
Script 5
**HOOK:** Think your financial past will hold you back from buying a home? Let’s talk.
**VALUE:** Sometimes we hold onto beliefs about what’s possible for us. I’ve had clients who were the first in their families to own homes, breaking cycles and creating wealth. Owning a home isn’t ‘too much responsibility’—it’s an opportunity to create a legacy.
**CTA:** Comment “MY HOME” if you’re ready to see the path to homeownership, no matter your starting point.
Script 6
**HOOK:** Afraid a bridge loan is too costly? Here’s the real story.
**VALUE:** Bridge loans can help you secure your next home without waiting to sell your current one. I’ve had clients who thought this wasn’t in their budget, only to find it was the perfect step to owning their dream home sooner.
**CTA:** DM me “BRIDGE ME” for a cost breakdown and to see if this option fits your goals.
Script 7
**HOOK:** Not sure you can make money from buying a home? Let’s talk about real estate and wealth.
**VALUE:** I know what it’s like to think ‘homeownership is for other people.’ But real estate can change lives. I help clients go from “just getting by” to building wealth through appreciation, rental income, and equity growth.
**CTA:** Save this post to remember: homeownership is a path to wealth, not just a place to live!
Script 8
**HOOK:** Down payment feeling overwhelming? Here’s a little-known solution.
**VALUE:** Down payment assistance has helped clients just like you become homeowners sooner. I know the mindset of ‘I’ll never have enough saved,’ but there are options to help. I’ve worked with clients who thought it was impossible but now own homes they love.
**CTA:** Comment “HELP” to see if you qualify for down payment assistance.
Script 9
**HOOK:** Feeling like homeownership is ‘too much responsibility’? Here’s why it’s a gift.
**VALUE:** I understand the worry; many of us carry a broken money story. But I’m here to tell you that owning a home is the fastest way to build wealth—just ask my clients who are building a legacy for their families.
**CTA:** Like this post if you’re ready to shift your mindset about real estate and wealth.
Script 10
**HOOK:** Luxury home financing doesn’t have to feel out of reach. Let’s make it possible.
**VALUE:** I’ve helped clients who thought they’d never qualify for their dream homes realize that the right jumbo loan opens doors. Sometimes we doubt our ability to own big, but real estate can turn dreams into wealth-building realities.
**CTA:** Message me “LUXE” to explore how you can achieve your luxury home goals.
Script 11
**HOOK:** Scrolling Zillow again? Let’s make sure you’re ready when your dream home appears!
**VALUE:** I know it’s tempting to start on Zillow, but the first step is getting pre-approved! Don’t miss out on that perfect home because you skipped the approval process—knowing your purchase power is key.
**CTA:** Book a call for a 30-minute strategy session, and let’s get you truly ready for your dream home.
Script 12
**HOOK:** If you’re dreaming of buying a home, STOP scrolling Zillow and START here!
**VALUE:** Looking on Zillow can be fun, but without pre-approval, it often leads to disappointment. I’ve helped clients go from ‘just browsing’ to fully prepared to make offers. Let’s get you set up for success.
**CTA:** DM me “POWER,” and I’ll send you my guide to building purchase confidence.
Script 13
**HOOK:** Found your dream home on Zillow? Here’s why you need to be pre-approved first.
**VALUE:** Too many homebuyers miss out because they go to Zillow or a realtor before getting their financial plan in place. Don’t let that be you! With pre-approval, you can act fast when you find the one.
**CTA:** Comment “READY” below, and let’s talk about your next steps to homeownership.
Script 14
**HOOK:** Want to avoid the Zillow heartbreak? Here’s how to get homebuying-ready.
**VALUE:** I’ve seen clients stress over paperwork because they went to Zillow and a realtor before securing their pre-approval. Pre-approval puts you in control of your buying journey—let’s make sure you’re prepared!
**CTA:** Book a free 30-minute call with me, and we’ll walk through your roadmap to homeownership.
Script 15
**HOOK:** Dream home on Zillow got you dreaming bigger? Let’s make it a reality the right way!
**VALUE:** Skipping pre-approval can cost you the home you love. I’ll help you get financially ready and show you how pre-approval can boost your buying confidence.
**CTA:** DM me “PURCHASE POWER,” and I’ll send you my top tips to start the process right.
Script 16
**HOOK:** Already planning the decor on that Zillow home? Let’s make sure you’re ready to buy it!
**VALUE:** Looking on Zillow before getting pre-approved can lead to missed opportunities and unnecessary stress. I’ve guided clients through the process, ensuring they’re prepared to buy when the perfect home shows up.
**CTA:** Tap the link in bio to find out your purchase power and avoid missing out!
Script 17
**HOOK:** Stressing over paperwork because you started with Zillow? Let’s fix that.
**VALUE:** Homebuying starts with a plan, not just browsing. Skipping pre-approval can lead to stress and missed chances. I help my clients get prepared, so they feel empowered, not overwhelmed.
**CTA:** Comment “PLAN” if you’re ready to set up a game plan for your homebuying journey.
Script 18
**HOOK:** Don’t let Zillow browsing lead to disappointment. Here’s the smarter first step.
**VALUE:** Starting with Zillow can feel exciting, but without pre-approval, it’s just a wish. I help clients begin their journey with clarity on their finances, so they’re ready to buy when they find ‘the one.’
**CTA:** DM me “POWER” for my guide on how to get pre-approved and prepared.
Script 19
**HOOK:** If you’re serious about homeownership, here’s what NOT to do: skip pre-approval.
**VALUE:** I’ve seen too many buyers miss out because they started on Zillow or with a realtor first. With pre-approval, you can make offers quickly, with confidence.
**CTA:** Book a call to unlock your purchase power, and let’s get you a solid homebuying strategy.
Script 20
**HOOK:** Still browsing Zillow, hoping for your dream home? Here’s a tip: get pre-approved FIRST.
**VALUE:** Skipping pre-approval means you’re not ready to make a strong offer when it counts. I’ve helped clients navigate the right first steps, avoiding the Zillow heartbreak and buyer’s stress.
**CTA:** Comment “READY” below if you’re serious about owning, and I’ll send you my quick-start guide to home readiness.
Listing of the Month
The Listing of the MONTH, its on 455-457 Love Lane in Danville (California) for $4,998,888. Its listed AND was absolutely TRANSFORMED by my long time, dear friend, Ray Marquez. This beautiful home is 2 minutes from my family home and its such an opportunity to live by Downtown Danville and Iron Horse Trail where my husband and I ride our e-bikes constantly and.....within A+ schools. The main house at 455 Love Lane is a custom home, 2023 NEW construction, 2 story. Its on a huge .38 acre lot and I love the this property for so many reasons. The kitchen, the custom BAR in family room and top of the line appliances make me want to go remodel my home right now and heres where it gets even better. There are TWO ADU's and they all have separate utilities! Theres great views and I could go on and on! Come see it for yourself! We are hosting Thursday Oct 12th from 10:30 am to 1:30pm with wine and champagne and I cannot wait to have you explore all the additional units and features. Its open this weekend as well.
2024 around the corner
2024 is right around the corner. Which means what you do today is going to heavily echo the first and second quarters of 2024. So hi, I'm Tiffany Rose. I'm a top mortgage lender and I survived the crash of 2008 by three unwavering principles. Number one mindset mastery. Amidst all the chaos and turmoil, I've always been able to confront a crucial choice. I either stand still or I continue to make strategic moves. So I had to look at the deeper reasons, like my real true why and how to build my businesses every day, even when it was hard.
So number two, Strategic marketing Evolving with time. So I understood that relying solely on word of mouth or relationships, it's just not enough. I had to get where I wanted to go. I had to elevate my marketing strategies no matter what, which I'm gonna help you with. So number three Time efficiency. Embracing automations. The need for speed is more important than ever. Optimizing my time do you know what your money making activities are? So in my VIP day this month I will be going over the principles in a lot of depth.
Plus a deep dive into building your lists and communication styles for building rapport through professional relationships and realtors through social media. There's a better way to do it than what you're doing now. If you're interested in hearing more, go to the link in my bio or click somewhere around here.
Celebrate- Replicates
It’s important to understand that what you celebrate gets replicated! The lending business can create havoc on our nervous system and we can start negative thought patterns of what we didn’t get done in the day or what interest rates are doing and if you keep thinking and talking about those, they too can get replicated. Instead, you want to start building habits of positive thoughts and when you celebrate the daily wins in your business, you can make more money, feel a sense of purpose and be more present each day! Celebrates your daily wins, your future self will thank you for it.
