Realtor Toolbox
*All resources are property of Jim Yarrington of First State Bank Mortgage DBA MortgageStuff.com and may not be distributed or copied without express permission.
View, download, or print for your personal use!
Download and re-share this ready-to-post social media graphic with your client base. It’s designed to drive engagement and spark meaningful conversations about “the cost of waiting” in today’s real estate market—helping you stay top of mind while providing real value.
The Cost of Waiting (Social Media Post)
A quick side-by-side comparison explaining what each document means, how strong it is in an offer, and which provides the most value for your buyer.
MCL vs PAL Table (PDF)
A quick-reference chart outlining maximum seller-paid concessions by loan type, property type, and down payment. Helps you structure stronger offers while maximizing your buyer’s savings.
Seller Concession Chart (PDF)
Printable, easy-to-use labels that help your clients clearly organize and mark boxes by room and priority — keeping move-in day efficient, stress-free, and organized.
Click here to view and share our First-Time Homebuyer Roadmap — a clear, step-by-step guide designed to help your clients prepare with confidence and know exactly what to expect throughout the homebuying journey.
This resource breaks down “out of the box” type of loans. This includes “non-QM loan options” as well as some other well known, but seldomly used loans. This Matrix shows who they’re best for, and how they can open doors for self-employed, investor, or move up buyers, needing to access their equity. Share with your clients—so you can keep more deals moving and serve a wider range of buyers with ease.