Unlocking Potential: The Rise of Accessory Dwelling Units in the Bay Area and How to Navigate Financing Options

The San Francisco Bay Area, known for its stunning landscapes, technological innovation, and cultural diversity, faces a growing challenge in its housing market. As housing costs soar and urban spaces become more limited, residents and policymakers alike are exploring alternative solutions. One such solution gaining popularity is the development of Accessory Dwelling Units (ADUs). These compact living spaces, often referred to as in-law units, backyard cottages, or granny flats, are proving to be a game-changer in addressing the housing crisis in the Bay Area.

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Why is there a Rise in ADU’s (Accessory Dwelling Units) in Cities Like Oakland, Berkeley, and San Francisco?


With a scarcity of affordable housing options and an increasing population, ADUs are emerging as a viable solution to maximize existing residential spaces. In recent years, the Bay Area has seen a surge in ADU construction, thanks in part to more lenient zoning regulations and financial incentives. Homeowners are increasingly recognizing the potential of their underutilized spaces, such as garages or backyard areas, to create additional living quarters.


What are the benefits of ADU’s (Accessory Dwelling Units) in Cities Like Oakland, Berkeley, and San Francisco?


Increased Housing Stock: ADUs add to the housing inventory without the need for large-scale development projects. This allows for a more gradual and sustainable growth in housing supply.


How do ADU’s (Accessory Dwelling Units) Help Affordability in Cities Like Oakland, Berkeley, and San Francisco?


The relatively lower construction costs associated with ADUs make them an affordable housing option, both for homeowners and potential renters. This can contribute to easing the burden of high living expenses in the Bay Area.


ADUs offer flexibility in housing arrangements, providing options for multi-generational living or rental income. Families can use these units to accommodate aging parents, adult children, or even generate additional income through renting.


How do ADU’s (Accessory Dwelling Units) Help Environmental Sustainability in Cities Like Oakland, Berkeley, and San Francisco?


The compact size of ADUs often translates to lower energy consumption and a smaller environmental footprint. By utilizing existing structures and spaces, ADUs promote sustainable development practices.


What are the Challenges and Solutions of ADU’s (Accessory Dwelling Units) in the San Francisco Bay Area?


While the benefits of ADUs are evident, challenges remain. Zoning restrictions, permitting processes, and concerns about neighborhood aesthetics can hinder the widespread adoption of ADUs. However, local governments are increasingly recognizing the importance of addressing these challenges. Streamlining the permitting process, providing financial incentives, and engaging in community outreach are some of the ways policymakers are working to facilitate ADU development.


What are the financing options for ADU’s (Accessory Dwelling Units) in Cities Like Oakland, Berkeley, and San Francisco?


The growing popularity of Accessory Dwelling Units (ADUs) in Cities Like Oakland, Berkeley, and San Francisco is a practical and sustainable housing solution has prompted many homeowners to explore the possibilities of adding these versatile spaces to their properties. However, the journey from envisioning an ADU to making it a reality often involves navigating the seemingly intricate landscape of financing.


The good news is San Francsico Bay Area Homeowners have experienced a huge gain in equity in recent years and there are several different options available with flexible options and a quick and efficient streamlined underwriting process. Here are the various financing options to help you turn your ADU dreams into reality.


Home Equity Lines of Credit:


One of the most straightforward ways to fund an ADU project is by tapping into your home’s equity. Home equity loans lines of credit allow homeowners to borrow against the value of their property. These are flexible lines of credit that allow the borrower to withdraw and pay back funds and the borrower will only pay interest on the funds borrowed similar to the way a credit card works. This flexibility can be advantageous for managing construction costs as they arise. To learn more visit: https://freshhomeloan.com/heloc/


Cash-Out Refinance:


A cash-out refinance is a popular financing option for homeowners with significant equity in their properties. This method involves refinancing your existing mortgage for an amount higher than what you currently owe and receiving the difference in cash. This extra cash can then be used to fund your ADU project. While this option provides immediate funds, it’s essential to consider the impact on your mortgage terms and interest rates. To Learn more visit: https://freshhomeloan.com/cashout/


Rehabilitation Loans:

If your ADU project involves significant renovations or the conversion of an existing structure, rehab loans can be a valuable financing tool. FHA 203(k) and Fannie Mae HomeStyle Renovation loans are examples of programs that combine the purchase or refinance of a property with the cost of renovations. This option is particularly beneficial for those looking to transform existing spaces into functional ADUs. For more information on specific scenarios visit: https://freshhomeloan.com/todays-rate-checker/

 

Private Lenders and Investors:


For those seeking alternative financing, private lenders and investors can be potential sources of funding for ADU projects. Establishing partnerships or securing private loans may provide the flexibility and capital needed to bring your ADU plans to fruition. For more information on specific scenarios visit: https://freshhomeloan.com/todays-rate-checker/


Local and State Financing Programs:


Many local and state governments offer financial incentives and programs to encourage ADU construction. These may include low-interest loans, grants, or tax credits. Investigate the options available in your area, as these programs are often designed to promote sustainable housing solutions.


Conclusion:


Financing your ADU in in Cities Like Oakland, Berkeley, Alameda and San Francisco involves careful consideration of your financial situation, project scope, and long-term goals. Cash-out refinance and rehab loans offer distinct advantages, but the key is finding the solution that aligns with your unique circumstances. As you embark on this journey, consult with financial professionals, explore local incentives, and make informed decisions to transform your ADU vision into a tangible and rewarding investment.


As “Independent Mortgage Brokers that Work for the People” ™ Fresh Home Loan Inc. Provides California Homeowners with the options and resources needed to fund just about any ADU project, often times with little to no documentation required from the homeowner. As third-party brokers, we work for you, and you alone, and have the wholesale financing options and rates to help make your ADU project a reality.


Garrick Werdmuller is President and CEO of Fresh Home Loan Inc., and has been featured in National Mortgage Professional Magazine and other publications for his work with Rehab Loans on challenging properties in the San Francisco Bay Area.


To schedule and appointment visit:

https://freshhomeloan.com/schedule-a-meeting/

Link to our online application:

https://freshhomeloan.com/apply-now/


You may also contact Garrick Werdmuller Directly:

Garrick Werdmuller

President CEO

Fresh Home Loan Inc

510.282.5456 call/text

NMLS 242952

www.FreshHomeLoan.com

 

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All loan approvals are conditional and not guaranteed and subject to lender review of all information. Loan is conditionally approved when lender has issued approval in writing, but until all conditions are met, loan cannot be funded. Specified rates and [products may not be available to all borrowers. Rates subject to change according to market conditions and agreed upon lock times set by borrower. Fresh Home Loan Inc. is an Equal Opportunity Mortgage Broker in California. This licensee is performing acts for which a real estate license is required. Fresh Home Loan, Inc. is licensed by the California Department of Real Estate #02137513 NMLS # 2124104

By Garrick Werdmuller August 27, 2025
Welcome back to The D&G Loan Officer Realtor Motivational Business Mindset Podcast πŸŽ™οΈ In this episode, we’re diving into a mindset shift from Dan Sullivan that has transformed how entrepreneurs, REALTORS®, and loan officers approach business: πŸ‘‰ Ready, Fire, Aim. ο»Ώ 🎧 Listen on Spotify: https://open.spotify.com/episode/0UmcIu1EmN11YfXzvH9lzQ πŸ”₯ What Is “Ready, Fire, Aim”? Traditional wisdom says: Ready – Aim – Fire Get prepared Get perfect Then act But Sullivan flips it to: Ready – Fire – Aim Get a direction Take fast action Refine and adjust with real feedback πŸ’₯ Why It Works Perfection is procrastination. Waiting for perfect means you may never launch. Momentum dies when you overthink. Real feedback only comes in motion. Clarity doesn’t come from sitting still — it comes from doing, failing, and adjusting. Speed creates confidence. Quick action builds momentum, and momentum fuels smarter choices. Action filters ideas. Not every idea needs deep analysis. Execution reveals what works and what doesn’t. 🧠 Real-World Applications Podcasting: Start with what you have. Don’t wait for the perfect mic or setup. Entrepreneurship: Launch MVPs (Minimum Viable Products) and refine later. Content Creation: Post today; let feedback guide you. Marketing: Send the email, post the reel, make the call — now, not later. πŸ” Supporting Concepts by Dan Sullivan The 80% Approach: Ship it when it’s 80% good; the rest improves with feedback. Who Not How: Don’t do it all yourself — start, then find partners to fill the gaps. Failing Forward: Mistakes are part of progress — embrace them. 🧨 Final Takeaway You don’t need it all figured out before you begin. πŸ‘‰ The only way to figure it out is to begin. “If you wait until you’re ready, you’ve waited too long.” – Dan Sullivan πŸ“… Schedule a Meeting To schedule an appointment with Garrick, visit: πŸ‘‰ https://freshhomeloan.com/schedule-a-meeting/ Garrick Werdmuller Independent Mortgage Broker DRE BRKR 01368202 | NMLS 242952 πŸ“ž 510.282.5456 | πŸ“  510.225.0382 βœ‰οΈ garrick@freshhomeloan.com 🌐 freshhomeloan.com 🏁 #ReadyFireAim πŸ’₯ #TakeAction 🎯 #EntrepreneurMindset #PodcastLife #BusinessGrowth #MindsetMatters #JustStart #ActionOverPerfection #Entrepreneurship #Motivation #SuccessMindset #HustleAndFlow #LaunchNow #LearnAsYouGo #Momentum #StartToday #SmallBusiness #ContentCreators #Podcasters
By Garrick Werdmuller August 26, 2025
Welcome back to The D&G Loan Officer Realtor Motivational Business Mindset Podcast πŸŽ™οΈ If you’re a REALTOR® or mortgage pro looking to scale your referrals, prospect smarter, and cut through the noise , today’s episode is for you. We’re diving into LinkedIn Sales Navigator and data mining with AI tools — two game-changers that help you target the right people at the right time. ο»Ώ 🎧 Listen & Learn on Spotify https://open.spotify.com/episode/4H5Vev58EH1v3ERp1AU8LR πŸ’Ό Why Use LinkedIn Sales Navigator? This isn’t just another social media platform—it’s your B2B prospecting engine. With Sales Navigator , you can: 🎯 Build custom lists of referral partners like investors, CPAs, divorce attorneys, estate planners, and business owners 🧠 Filter by location, title, industry, and years in business πŸ” See who’s viewed your profile (hello, warm leads) ✍️ Send personalized, trackable messages πŸ““ Save leads and track engagement across conversations Example Use Case: “Want 10 estate attorneys in your county who work with high-net-worth clients? Sales Navigator can find them in minutes. Connect, follow, message, and follow-up like a pro.” πŸ€– LinkyBot.ai = AI Follow-Up on Autopilot Once your list is built, LinkyBot takes over with automated outreach that feels personal, not spammy. What It Does: πŸ“© Sends intelligent, human-sounding DMs or emails πŸ’¬ Keeps conversations alive while you focus on showings, closings, or calls πŸ” Reaches out on your behalf, even when you forget πŸ”— Works with LinkedIn, email, or exported contacts from your CRM or Covve Instead of saying: πŸ‘‰ “I should follow up with that attorney I connected with.” You’ll say: βœ… “LinkyBot already did — and they booked a call.” πŸ” Data Mining = Your New Prospecting Advantage Data mining is the process of extracting predictive insights from massive datasets to identify who is most likely to move, sell, or refinance. Think: finding the needle in the haystack before the needle realizes it’s sharp. 🧠 How Platforms Use It: Public Records πŸ”‘ Ownership history, mortgage type, equity position πŸ’Ό Tax data, zoning, property age, square footage Consumer Behavior πŸ“² Online search habits (Zillow visits, moving boxes ordered) πŸ“¦ Life event triggers (marriage, divorce, new baby, inheritance) MLS + Market Trends 🏘 Expired listings, price reductions πŸ“‰ Days on market, agent-switchers Third-Party Data πŸ’³ Pre-mover credit pulls 🧭 Out-of-area ownership, investor activity, rent vs own 🎯 Why It Matters for REALTORS βœ… Beat Zillow, Redfin & Rocket to the consumer βœ… Focus on the right people, not just more people βœ… Build hyper-targeted lists for AI follow-up, postcards, ads, and calls πŸ’₯ This isn’t cold calling anymore… it’s precision prospecting with data . πŸ“… Schedule a Meeting To schedule an appointment with Garrick, visit: πŸ‘‰ https://freshhomeloan.com/schedule-a-meeting/ Garrick Werdmuller President & CEO Fresh Home Loan Inc πŸ“± 510.282.5456 (call/text) NMLS 242952 🌐 www.FreshHomeLoan.com Socials: Facebook Instagram LinkedIn YouTube #LinkedInSalesNavigator #DataMining #AIForRealtors #RealEstateProspecting #RealtorTips #LoanOfficerLife #BusinessMindset #FreshHomeLoan #ReferralPartners #SphereOfInfluence #PrecisionProspecting #RealEstateTechnology
By Garrick Werdmuller August 26, 2025
Welcome to The D&G Loan Officer Realtor Motivational Business Mindset Podcast — yeah, probably the longest and least catchy name in all of streaming. πŸ˜… In this episode, you’ll hear an excerpt from a live event we did on social media + prospecting . If you’ve ever struggled to stay consistent with calls, letters, or outreach, this one’s for you. 🎧 Listen & Learn on Spotify https://open.spotify.com/episode/1GRwITq5KiFxyBpuLdh4Ly πŸ”₯ Let’s get into it: 🧠 Beast Mode Prospecting Plan Your database is a goldmine. Treat it that way. πŸ“¬ 2 Letters a Week (Every Wednesday) βœ–οΈ 52 Weeks = 104 touches πŸ“ž 4 Calls Per Year (Per Contact) That’s once per quarter — simple, human, consistent. πŸ’¬ What Do You Say When You Call? Keep it simple and real: “Hey, just checking in — how’s it going?” “Thank you again for working with me!” “Did you hear about that ___ down the street?” “Just wanted to say hi. No pitch. Anything you need?” πŸ”₯ Here’s the truth: It’s not what you say… βœ… It’s that you say something . 🎯 The “3 x 2” Referral Script When you make those calls, just ask: πŸ‘€ “Do you have any: πŸ‘¨‍πŸ‘©‍πŸ‘§‍πŸ‘¦ Friends πŸ‘― Family πŸ’Ό Co-workers looking to 🏑 buy or 🏠 sell?” That’s it. No pressure. Just planting seeds. 🌱 🧩 Part 2 – Sphere of Influence Your SOI (Sphere of Influence) is your untapped goldmine. πŸ‘¨‍πŸ‘©‍πŸ‘§‍πŸ‘¦ Friends & family 🏘️ Neighbors πŸͺ Local business owners πŸ‹οΈ Gym buddies, church members, school parents, clubs πŸ™‹ Anyone who knows your name and would say: “Oh yeah, I know Garrick.” πŸ’‘ Why It Matters: 🌟 According to NAR, 63% of business for top agents comes from their sphere . βœ… More referrals βœ… More repeat deals βœ… Steady stream of business πŸ“± Pro Tip: Mine Your Cell Phone Use a tool like Covve Export to pull all your contacts into a CSV. Clean it up, delete duplicates, and upload it to your CRM. Your phone = your prospecting powerhouse. πŸ“žπŸ’₯ πŸ“† Lock It Into Your Weekly Routine πŸ—“οΈ Wednesday = Database + SOI prospecting day Keep it light, human, and consistent Your voice is your superpower ⚑ πŸ’¬ Final Thought Prospecting doesn’t have to be complicated. It’s about letters + calls + consistency . Show up, stay in rhythm, and the business will follow. Old school ALWAYS wins. 🧒 πŸ“… Schedule a Meeting To schedule an appointment with Garrick, visit: πŸ‘‰ https://freshhomeloan.com/schedule-a-meeting/ Garrick Werdmuller President & CEO Fresh Home Loan Inc πŸ“± 510.282.5456 (call/text) NMLS 242952 🌐 www.FreshHomeLoan.com Socials: Facebook Instagram LinkedIn YouTube #BeastModeProspecting #RealtorTips #RealEstateProspecting #SphereOfInfluence #DatabaseMarketing #RealtorLife #LoanOfficerLife #AIforRealtors #BusinessMindset #MortgageTips #FreshHomeLoan #JustCall #RelationshipMarketing #ConsistentAction
By Garrick Werdmuller August 26, 2025
If you're a new loan officer , a REALTOR® learning the ropes of mortgage pre-approvals , or a homebuyer ready to take that first step toward homeownership , understanding the 1003 Loan Application is absolutely essential. This form isn’t just paperwork—it’s your gateway to pre-approval and ultimately closing on your new home. 🎧 Listen & Learn on Spotify https://open.spotify.com/episode/2CSWRFrcIaOHU9SmItH6lG πŸ’‘ What Is a Loan Application? A loan application is a financial snapshot that helps determine whether someone can be pre-approved or fully approved for a home loan. At its core, there are six key elements required to trigger the process: βœ… The 6 Things That Make a Loan Application Complete Borrower’s Name – Legal name(s) as shown on your ID. Income – Salaried, self-employed, or rental income. (Think paystubs, tax returns, or P&L statements.) Social Security Number – Required to pull credit and verify identity (encrypted & secure). Property Address (if known) – Optional for pre-approvals, required for full underwriting. Estimated Property Value – Helps determine Loan-to-Value (LTV) ratio. Loan Amount Requested – Drives monthly payment and approval calculations. πŸ•’ Timeline: What Happens Next Day 0 – Application Date (“Trigger Day”) Disclosures are legally required to be triggered. Day 3 – Initial Disclosures Due The Loan Estimate (LE) must be delivered or mailed. Borrowers must acknowledge receipt before appraisal or fees can be collected. πŸ“„ The Full 1003 Form (aka URLA) The official name is the Uniform Residential Loan Application (URLA) — also known as Fannie Mae Form 1003 or Freddie Mac Form 65. It’s used for conventional, FHA, VA, and other residential loans and includes: Section 1: Personal Info (name, SSN, marital status, housing history) Section 2: Employment Info (employer, title, self-employment details) Section 3: Income (base pay, commissions, rental income, child support, etc.) Sections 4–5: Assets, Liabilities & Real Estate (bank accounts, retirement funds, debts, properties owned) Section 6: Loan Info (loan purpose, property details, loan amount) Sections 7–9: Declarations, demographic info (optional), and loan originator details 🏑 Why It Matters With a complete 1003, we can: Pull credit Issue disclosures Submit to underwriting Lock your rate Move you closer to homeownership πŸ’¬ Final Thought Taking a great loan application isn’t about filling in boxes—it’s about asking the right questions, gathering the right documents, and building trust. If you’re ready to get started—or want to learn what goes into a solid pre-approval—our team is here to help. πŸ“… Schedule a Meeting To schedule an appointment with Garrick, visit: πŸ‘‰ https://freshhomeloan.com/schedule-a-meeting/ Garrick Werdmuller President & CEO Fresh Home Loan Inc πŸ“± 510.282.5456 (call/text) NMLS 242952 🌐 www.FreshHomeLoan.com Socials: Facebook Instagram LinkedIn YouTube #LoanApplication #1003Form #MortgageTips #HomeLoan #FirstTimeHomebuyer #RealtorLife #PreApproval #MortgageEducation #BuyAHome #DreamHomeJourney #FreshHomeLoan
By Garrick Werdmuller August 26, 2025
Most entrepreneurs, salespeople, and professionals I talk to live in a constant state of reactive chaos — jumping from one fire to the next with no time to plan, build, or breathe. Here’s the truth: it’s not just a time problem — it’s a quadrant problem . In this episode of The D&G Loan Officer Realtor Motivational Business Mindset Podcast , I break down the legendary 4 Quadrants of Time Management , based on Stephen Covey’s model, but tailored for modern professionals like us. Understanding this concept has changed how I structure my day, lead my team, and scale my business — and it can do the same for you. 🎧 Listen on Spotify: πŸ‘‰ 4 Quadrants of Time Management πŸ”₯ The 4 Quadrants Explained Quadrant 1: Urgent & Important Examples: Crises Deadline-driven loan files Emergencies that can’t wait This is the firefighting zone . You don’t want to live here — just visit when necessary. If you ignore the next quadrant, you’ll stay stuck in this one. πŸ’‘ Quadrant 2: Not Urgent but Important Examples: Planning & goal-setting Marketing & prospecting Relationship building Systems, training, & development βœ… This is where success lives . Want to grow your business, have more peace in your day, and build something sustainable? Quadrant 2 is your new home. Pro Tip: If you don’t make time for this quadrant now, you’ll be forced into Quadrant 1 later. πŸ“ž Quadrant 3: Urgent but Not Important Examples: Unnecessary meetings Solicitors Constant notifications “Got a minute?” interruptions These tasks feel urgent but don’t contribute to your long-term goals. Delegate or eliminate whenever possible. Learn to say “no” or “later” without guilt. πŸ’€ Quadrant 4: Not Urgent & Not Important Examples: Instagram scrolling during work Binge-watching Random internet rabbit holes Pointless group chats We all need a break — but too much time here is how dreams die slowly. Audit your screen time and be honest about distractions. 🎯 Final Thoughts: Where Are You Spending Your Time? Time is your most valuable resource . Once you understand how to categorize your daily tasks using this quadrant system, you can start making powerful shifts — from reactive to intentional, from busy to productive. 🧠 Pair this framework with your personal motivators (Wealth, Health, Peace, Freedom, etc.), and your whole day begins to align. ⚑ Action Steps πŸ”Ή Comment or DM me “Quadrant 2” and I’ll send you the time-blocking worksheet I use weekly. πŸ”Ή Need help building a system around this? Let’s chat : Schedule a Meeting πŸ”Ή Want to share this with your team? Grab the Slide Deck Here Garrick Werdmuller President & CEO Fresh Home Loan Inc πŸ“± 510.282.5456 call/text NMLS 242952 🌐 www.FreshHomeLoan.com Socials: Facebook Instagram LinkedIn YouTube For more information, give me a call at πŸ“ž 510.282.5456 or visit πŸ‘‰ Schedule a Meeting
By Garrick Werdmuller August 26, 2025
Welcome to The D&G Loan Officer Realtor Motivational Business Mindset Podcast ! In this episode, we dig into a powerful truth: every human action is driven by self-interest . That might sound selfish—but it’s not a bad thing. It simply means that everything we do is motivated by something deeply personal. When you understand these motivators, you unlock the ability to influence behavior, build trust, close more sales, and lead with impact. Whether you’re a loan officer, REALTOR®, entrepreneur, or leader, mastering these motivators will help you connect with people on a deeper level. ο»Ώ 🎧 Listen on Spotify: πŸ‘‰ The 8 Human Motivators The 8 Human Motivators Here are the eight reasons people take action—and how you can use them to connect better with clients, partners, and even yourself: 1. πŸ’° To Be Wealthy Money may not buy happiness, but it provides freedom, options, and security. People want to grow their wealth or save money. In sales, frame your message around outcomes: how your service increases financial security or protects their resources. 2. 😍 To Be Good Looking It’s not always about vanity—this is about confidence and presence. People want to feel admired, sharp, or stylish. Show clients how your solution enhances their image, reputation, or how they present themselves to the world. 3. πŸ’ͺ To Be Healthy Health covers both physical and mental well-being. Reduce stress, simplify processes, and remove obstacles that cause anxiety. Clients who feel healthier (in mind or body) because of working with you will always come back. 4. 🌟 To Be Popular Recognition and approval are powerful drivers. Everyone wants to be seen, appreciated, and valued. Help your clients feel important, highlight their wins, and show them they’re part of something bigger. 5. πŸ”’ To Have Security Safety and stability are non-negotiables in major decisions like buying a home or taking on a loan. Offer reassurance, clarity, and predictability. Trust is built when clients feel safe in your hands. 6. 🧘 To Achieve Inner Peace People crave calm, alignment, and peace of mind. When your process feels smooth, stress-free, and values-driven, you become more than a service provider—you become a trusted guide. 7. πŸ•°οΈ To Have Free Time Time is the ultimate luxury. Saving time, simplifying steps, or giving clients back hours in their day is one of the most powerful motivators you can tap into. Respect it—and you’ll win loyalty. 8. πŸŽ‰ To Have Fun At the end of the day, people want joy and meaning. Create memorable, engaging, and even fun experiences. When clients feel good working with you, they’ll remember you and refer you. How to Apply This in Business and Life Here’s the secret: most people are primarily driven by two or three of these motivators. Your job as a professional is to listen carefully, identify which ones drive your client or team member, and then speak directly to those motivators. If your client values wealth and security , emphasize financial outcomes and predictability. If they want free time and fun , show them how your service is efficient and enjoyable. If they’re motivated by popularity or looking good , highlight recognition, prestige, and confidence. The key is personalization. Once you know someone’s motivators, you can connect with them authentically and build stronger, lasting relationships. Final Takeaway Human beings aren’t complicated—we’re consistent. We all want more wealth, health, security, recognition, joy, and time. But each of us is moved by different priorities at different times. When you master the art of spotting these motivators, you’ll gain influence, build loyalty, and grow your results in business and in life. πŸ“… To schedule an appointment with Garrick visit: πŸ‘‰ https://freshhomeloan.com/schedule-a-meeting/ Garrick Werdmuller President & CEO Fresh Home Loan Inc πŸ“± 510.282.5456 call/text NMLS 242952 🌐 www.FreshHomeLoan.com Socials: Facebook Instagram LinkedIn YouTube For more information give me a call at πŸ“ž 510.282.5456 or visit πŸ‘‰ Schedule a Meeting
By Garrick Werdmuller August 26, 2025
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¡Compra más, con el mismo engache!