To rent or not to rent, that is the question. It may not carry the same profound implications as William Shakespeare, but this question can certainly have big implications for the Realtors client. The decision of whether to buy a home or continue renting is not always an easy one, but something your client shouldnt put off. What your client does today can have a ripple effect on their financial futurebig milestones like retirement, investments, family college tuition and more. The most important thing you must convey to your client, as a Realtor is that home ownership is an investment, while renting translates to money that will never come back. To be fair, there are some benefits to renting. Often the monthly payment is lower and the landlord is responsible for all major repairs, but the bottom line: AT SOME POINT, YOUR CLIENT WILL WANT TO STOP PAYING FOR A PLACE TO LIVE. Imagine your clients budget, as it is right now if rent wasn't an issue. Imagine what your client could do with that money, or just how much they could be adding to their retirement funds. Actually, we'll do the math for you. Let's say that your client decided to work hard and pay off your home quickly - they started a mortgage at age 25 and paid it off when they were 40 (best case scenario: a standard 15 year mortgage, possibly taken out as a 30-year and paid off faster). Most people retire when they're 65, so that would give them 25 years to put money into savings - say, $500 a month. Over those years of saving,

that's $150,000 more dollars that could be in their retirement account, not including the extra they will get from investments and the like. The bottom line? You need to let your client know that owning a home and paying it off is big money. Specifically, it's their big money. That's why our team here at the Northern States Funding Group is dedicated to providing the best service and support as you're looking for a home. As explained by Vice President, Eric Reeber, "We offer all of the capabilities of the big national lenders, but treat every transaction with the mindset of a small town mortgage lender. Low rates are important and certainly our rates are something were very proud of, but the entire NSFG team knows that the process of buying a home is about so much more. When working with NSFG as your Realtor partner, you dont just have a bank, you have a partner." Home buying isn't something your clients want to stumble through, hoping they land on a house and the right home loan that's magically perfect for them. NSFG knows how to assess your clients home financing needs and align them with their financial goals (current and future). We are dedicated to ensuring that transactions go smoothly. Buying a home has lots of complications and lots of paperwork, but we'll help your client through it with ease and answer all their questions. If youre a Realtor ready to work with a team thats fully invested into your clients needs, Northern States Funding Group just may be the perfect solution. About Northern States Funding Group, Inc.- NSFG is a full-service mortgage lender with a strong reputation of outstanding performance in satisfying the lending needs of Real Estate Professionals, Builders and Individual Homebuyers in the New Jersey and Pennsylvania markets. Lender NMLS: 120891 - Equal Housing Lender, Equal Opportunity Employer. 600 Birchfield Dr. Suite 604, Mount Laurel, NJ 08054 - Toll Free: 877.302.4044 www.nsfg.net