bni 10 minute presentation mortgage broker

Get set for maximum impact with your BNI 10-Minute Presentation/ Featured Presentation

Most visitors and many new members don’t fully appreciate the difference between coffee groups and a professional referral organization such as BNI. Whereas there is always the temptation to sell to one another at any gathering, such practice is positively discouraged at BNI as this is not what BNI is all about. The power of BNI is that it gives you the opportunity – over time – to develop strong relationship and help others to gain a deeper understanding about what you do. The goal is to get to the point where the relationship, trust and understanding is sufficiently strong that others are willing to delve into their own contact spheres and seek out the people you want to be introduced to. Referrals take trust and confidence in the other person, and this takes time. Your feature presentation plays an important part in this process so let’s spend a few minutes thinking about this.

Referrals come from establishing a clear understanding of what someone else wants in the way of a referral or a business contact. This means that you are responsible for being very clear about what you want. You need to educate your fellow BNI members, not sell directly to them. Not easy, the temptation is to focus on what you actually do assuming that chapter members will automatically understand what you want and how they can help you get it.

One unique way to make a real lasting impression through your 10-Minute Presentation or BNI Featured Presentation is to plan, invite and deliver an expert workshop. If you plan your topic and content well in advance, give your presentation an engaging name and write a short synopsis of what it covers you will be able to sell it to your chapter members and possibly even their contacts too. Ask them to invite any clients who may benefit from the topic and content you will be covering on the day. A different and unique way of inviting visitors to your chapter! Don’t forget that visitors are responsible for a large portion of each chapters annual TYFCB (even if they mightn’t end up joining).

Shout from the roof top about your talk and advertise it on all your social media platforms, including your BNI chapter Facebook page. Send a save-the-date email to your own personal contacts and clients. For optimal results we suggest you make follow-up phone calls to ask if your contacts received the invite, book them in on the spot via the App if you are able. By filling the room with clients and prospects you can make your presentation much more dynamic and educate more people in the process.

You’ll generally have around 6-8 weeks from the time your presentation is scheduled to the time you present. That gives you plenty of time to plan who you should invite.

So, what are you waiting for……. don’t wait, you can start planning today!

BNI New Zealand

Thank you for visiting our Blog. I launched the first chapters of BNI in NZ in March 1999 and have been running BNI on a full time basis since that time. We currently have 130 chapters and approximately 2,800 members. Please feel free to submit comments and let us know how we can provide you with what you are looking for in a Blog.

3 ways giving back can help your business during 2018

Don’t be an overly anxious networker: some positive suggestions to help you this year, you may also like, international networking week 2024, new year goal setting for entrepreneurs in bni, i love bni®, as a businessperson, looking after yourself is critical..., words from mary ansell and starjam …, one grateful business networking starfish …, how can you sharpen your networking saw at..., weekly presentations at bni – is there a..., does your business have a drp or disaster....

The Official BNI Podcast

A weekly audio discussion with Dr. Ivan Misner, the Founder and Chief Visionary Officer of BNI, the world's largest business networking organization.

Episode 182: The Best 60-Second Presentation I Ever Heard

November 24, 2010 by Ivan Misner 29 Comments

Podcast: Download

Subscribe: Apple Podcasts | RSS | Subscription Options

In a BNI meeting, the “memory hook” isn’t as important as when you’re meeting strangers. To give a great 60-second presentation requires specificity and asking for a referral.

The best 60-second commercial Dr. Misner ever saw was done by a florist in Chattanooga Tennessee. He used visual aids: a rose from a grocery store, and one of his own roses. He compared the two, demonstrating how far superior his rose was, and concluded by saying “There’s only 3 cents difference in price. Theirs is more.”

Why was this presentation so good?

• He led with value.
• He trained a sales force.
• He was extremely specific.
• It was memorable.

Remember, Specific Is Terrific . The more you can train a sales force, the better results you’ll get.

Brought to you by Networking Now .

Complete Transcription of BNI Podcast Episode 182 –

Priscilla: Hello everyone and welcome back to The Official BNI Podcast brought to you by NetworkingNow.com, which is the leading site on the net for networking downloadables. I am Priscilla Rice, and I am coming to you from Live Oak Recording Studio in Berkeley, CA. I am joined today by the Founder and Chairman of BNI, Dr. Ivan Misner.  Hello Ivan. How are you?

Ivan: I am doing great, Priscilla. Today I am going to talk about a topic that I am often asked when I travel around the world and I talk to chapters about BNI and about networking. Many people ask me how do you do a good 60-second presentation?

One of the first things that I say to people that actually surprises them is I wish we’d stop focusing so much on memory hooks. We spend way too much time on memory hooks, and I know I have talked about that in another podcast. Memory hooks are great techniques to use, maybe during visitor’s day. But the whole idea behind a memory hook is to have people remember who you are, but of course, in a BNI meeting, after a few weeks, people ought to remember who you are.

So you have to be really specific in your presentation. In last week’s podcast, I used the expression “specific is terrific.” That’s so true.

As I travel around, people ask me what are some examples of a great 60-second presentation? What I thought I would do, because I have never done that in my podcast, is share with the listeners the best 60-second presentation that I have ever heard. I’ll try to do it in real time, but he had visuals, so I have to describe the visuals that he had and that shortens it.

Basically, it was a florist that I saw do a 60-second intro or commercial in Chattanooga, TN. The florist stood up when it was his turn, he reached under the tanble, and pulled out a single rose. The rose was maybe 8-12” long, kind of small but it was in good shape. And it had cellophane around it.  You have seen roses in grocery stores, where they’ll sell a single rose, right, with cellophane around it?

Priscilla: Right.

Ivan: It had a grocery store sticker on it. He’s a florist. It had a grocery store sticker on it. He held up the rose and said, “What do you guys think of this rose?”

Everybody looked at it, and they knew it came from a grocery store, but nobody would say anything because it looked really good. He said, “It’s okay. You can be honest. This is a pretty good looking rose, isn’t it? I bought it at the Winn Dixie grocery store right next door. They do a pretty nice job on their roses.” Then he said, “Let me show you my rose.”

He reached under the table, and he pulled out a rose. Priscilla, I swear, this thing had to be 18” to two feet long. It was gigantic. Huge. Really big. And the flower was two or three times the size of the flower from the grocery store. He held them both up by the bottom. He said, “Here is the my rose. Look at how thick the stem is from the roses that we sell in my store.

The stem was almost as thick as a pencil, very thick. He said, “The larger the stem, the thicker the stem, the more water it draws up into the stem and into the rose, so the rose can be much larger, and more importantly, it will live longer. A rose like this can live anywhere from three to five days longer and be in good shape than a small stemmed rose like this. Here’s the Winn Dixie rose.” He held it from the very tip- imagine pinching your fingers together and holding it from the very tip at the bottom- and was waving it around back and forth. So it was waving around like a dead fish, right? He said, “Here’s the Winn Dixie rose.”

Then he held his rose from the bottom and did the same thing. It didn’t budge. “Here’s the Winn Dixie rose. Here’s my rose. There’s only three cents difference in price. Theirs is more.”

Priscilla: [laughs in surprise]

Ivan: And that was the reaction from the audience. It was like, wow!

Now, it’s hard to do this in a recording, in a podcast, but visually, I want everyone to visualize seeing two different roses, substantially different. One is big and beautiful and one is small and very attractive. You know, he could have picked- look, he could have gone to the grocery store. We have all been to grocery stores. He could have picked some skankly old beat up rose and said,”Look. Here’s what the grocery store sells.” But he picked a good rose and tried to compare a good rose from there to a good rose from his store.

He said, “Here’s a grocery store rose. Here’s my rose. Look at the difference in the stems. They’re basically only three cents difference in price. Mine’s cheaper.” That was so powerful. I looked around the room, and everybody in that room was going, I’m an idiot if I buy roses at the grocery store. Not only am I getting a higher perceived value, but his costs me less. His looks better and costs less.

To me, that Priscilla, was probably one of the best examples of a 60-second introduction that I have ever heard in my life because he was truly training a sales force. He was being laser-specific. He spent that presentation strictly talking about a rose. However, I could see him at his floral shop behind the scenes training an employee on the difference between grocery store roses and their floral shop roses. I could see him teaching an employee that.

So for those of you listening, the more you can break your business down into small parts, least or lowest common denominator, small pieces and talk about those pieces- be specific. The more you can educate people about your products and services, the better the results that you  are going to get from your fellow members. It’s because you are giving them something they can really envision and remember when they are out buying something.

I guarantee you that everybody who went to the grocery store or went any place thought of his roses the next time they were thinking of buying flowers.

Priscilla: I think it was so clever that his rose cost less. That is the last thing that you’d ever expect.

Ivan: Yeah, you’re right. You are absolutely right. The funny thing is if he would have said, look, it’s only 5% more, 10% more, or even 20% more, I think people would have thought, yeah, that makes sense. For 20% more, look at how much better it is. But no, it was a few pennies less. I think everybody in there was shocked. It was such a powerful way of showing value.

Many of our members are selling services or products where we are not the low-cost leader. It is rare that a BNI member is the low-cost leader. We are not the Wal-Mart of products and services as a rule. BNI is made up of professionals and members who are selling a product or their time, that is not the cheapest. So you have to lead it with value. That’s what he did. He led it with value. In this particular case, it was less than a grocery store, but in any case, it’s all about the value. You have to focus on the value and what sets you apart from your competition. He did that just brilliantly.

Priscilla: Oh that’s good. I like that.

Ivan: That, Priscilla, is the best 60-second presentation I have ever heard in the more than two and a half decades of running BNI. The one thing that we can all learn from this- because we are not all in the flower business, but the one thing we can all learn from this is that specific is terrific. And if you teach people specific parts of your business and how to look for opportunities to refer you or to use your products and services, then you’re giving people something to hang their hat on, something to say, hey, I know a little bit about flowers and this is why this is better than that.

It’s very important to do, and the more you can educate your members as though you were training a sales force, the more successful you are going to be at this.

Priscilla: Great. I am already thinking well, I could bring in a very badly recorded piece of music and then show them afterwards how wonderful it sounds when it has gone through my studio.

Ivan: Yeah. Absolutely. That’s a great example. I have not seen that done with a recording. I would love to see how that plays out, no pun intended. That’s great. I have seen it done with commercial graphics, the same thing. Somebody in a chapter I went to many years ago brought in the hand drawing that the customer brought into her store. Then  she showed the first draft mock up of what they designed after the hand drawing. You were like, wow! What a difference. Then she had the final version, full color. It went from a pencil drawing to a black and white graphic, which looked really good, to a full color piece. It was like, wow! What an amazing difference!

So yeah, something recorded would be another great example of it.

Priscilla: Those show and tell things are fantastically important.

Ivan: Yep, they really are. You bring up another good point. He had somehting that he brought in, and the more you can bring something in and do a show and tell, the easier it is for people  to visualize what you are saying. That’s why having it there works better and is actually quicker than me trying to explain it in a recording.

Priscilla: Yeah. That’s a great idea. Thank you, Ivan. Do you have anything else to add to that?

Ivan: That’s it for today, but if you have listened to this podcast and you have seen or heard a great 60-second commercial that you think was very powerful, just in a few sentences, put it in the comments here in the podcast and let me know how you are going to apply it to your 60-second presentation. I would love to get the feedback from the listeners. Thanks, Priscilla.

Priscilla: Oh, you are so welcome. Well, I would like to just remind the listeners that this podcast has been brought to you by NetworkingNow.com, which is the leading site on the net for networking downloadables. Thanks for listening. This is Priscilla Rice, and we hope you will join us next week for another exciting episode of The Official BNI Podcast.

You may also like...

Solutions-focused comments are welcome. Dr. Misner reads every comment personally.

All comments are moderated before posting. Profanity, personal attacks, and sales pitches will be deleted.

November 24, 2010 at 12:11 pm

Leading with with value. Training our sales/marketing force. Being specific is terrific.

My next 60 sec. with be a comparison, thank you!

November 24, 2010 at 12:17 pm

I feel this is a great way to show how your product is of superior quality than your competition. We are custom builders wo offer standard items in our homes which others call extra. Being able to show to each member how what you have to offer is of higher quality is a great way to expand your business.

November 24, 2010 at 12:41 pm

Awesome presentation of the best “60 Second Training Moment”. It is the blueprint! Thank you for this timely message!

November 24, 2010 at 2:54 pm

Thanks for the wisdom. I’ve heard over 80 60 seconds this week and none have matched that idea!

Keep smiling :)

November 24, 2010 at 3:48 pm

Very timely! We just completed a “prop day” where all members were encouraged to conduct their SMM with a prop. We award the best SMM each week with the “Tabasco Award” for the “hottest” SMM. The SMM that won was from our State Farm agent, Gary Lorge. He produced three items from a brown bag one at a time and asked us to guess what the item was…the forst was a “piece of pizza”, the next was a “piece of trash”, the final item was a State Farm envelope and the agent said this is “peace of mind” and proceeded to ask for a person over 50 who would like to have their auto insurance reviewed…VERY powerful, memorable and specific!

November 24, 2010 at 4:42 pm

As someone who has numerous products and is not the low price leader, but prefers to be the highest quality leader, providing value for that quality is crucial. Thanks for the insight.

November 24, 2010 at 10:31 pm

Sir I have been attending BNI meetings for last mote than 18 months. This podcast will help me rebuild my 60 secs in a better effective manner. Thanks a lot. BNI Prosperity Maharastra India

November 25, 2010 at 2:35 am

A memorable and specific 60secs for me at BNIbentley chapter in Livingston Scotland was Derrick our double glazing salesmen whose tagline is “others measure, we fit” He brought along a wii fit and did his 60secs on it!

November 25, 2010 at 2:42 am

Par excellence. Most of us are visual led.The rose is a memorable device and is relevant to the presenter’s business and it has cutting edge impact via its value for money proposition.Tuck Fook(Homespa specialist at Millennium Chapter Malaysia)

November 26, 2010 at 6:08 am

This podcast message has given me another commercial for my tool bag. I’m a florist, so I loved this example of a florist’s presentation. I try to bring something fresh for my 60-sec. each week, and similar to this example, probably the most effective one I’ve used is to bring one of my roses, ask everyone if they’ve ever seen a more beautiful rose, them tell them that I had set this rose aside in my cooler, and it had been there 24 days! (It still looked perfect!) The presentation helped me drive home the importance of purchasing flowers from a florist because we understand what a difference can be made with proper care and cold storage, unlike the typical grocery store or big box store. Judging by the compliments I received after the meeting, I think I left an impression on the group.

November 28, 2010 at 6:36 am

I thought the Florist’s Demo was a great demo. Strong side x side superior product demo, with a surprise cheaper ending, it was the most powerful I’ve heard. But for those of us that have services it’s very hard to do a visual side by side. Would love an example of that approach done for services.

December 16, 2010 at 4:23 pm

I love the show & tell.I’ve been bringing in water bottles filled w/color examples of tones & levels of lightness& darkness to teach my sales force my knowledge of color as I am trying to build more color clients

October 29, 2011 at 3:27 pm

Excellent example of florist and other tios too of 60seconds presentation

November 22, 2011 at 1:03 am

I am a member of Dynamite Chapter in Pune, Maharashtra, India for over 2 yrs. I have been working as a Life Insurance Agent for last 25 years. My subject is pretty dry. I use short stories in my 60 sec’s with a “moral of the story” connection to Life Insurance. I have over 50 different printed 60 secs, which I use once in a year. Members & guests, all enjoy. Members tell me that whenever I get up for the 60 sec, they stop everything else & really give full attention to my 60 sec. In one of my 60 sec’s, I had played a small mp3 clipping of a famous old Hindi song on my Mobile, in another I tore a paper into small pieces. I met a guest who attended that meeting after 4 months & he still remembered me for the 60 sec. Many guests have given me spot referrals because of the story content. I try to do it differently. I know I am a popular 60 sec member, however don’t know if it is effective from the generation of referrals point of view.

Thanks for the podcast subject & your inputs, very useful, as usual.

May 7, 2012 at 6:45 pm

This was a outstanding podcast. I am a social mobile media guy. I am going to think up a way to use this one before my next meeting. This was very powerful. I think that I will show the power of text over mailer, e-mail, TV, websites, and other forms of marketing. Short and to the point I love it.

Thank you, Z

May 27, 2012 at 2:18 pm

A splendid case study of a 60 second presentation.

March 14, 2013 at 4:30 am

i just went to one of the BNI meetings this wednsday and felt welcomed i want to continue going to these meetings and just need tips on how to handle my self with potential customers

February 16, 2015 at 7:12 am

I am with BNI Harmony Chapter for the last 2 years. I find 30 seconds too short for introduction and ask for referrals.Any idea/suggestions?

April 8, 2015 at 11:54 am

I absolutely love this example of a great Weekly Presentation. I have a florist I am going to share this podcast with and I am going to find a way to be creative with my next weekly presentation.

June 9, 2015 at 8:08 pm

It was a great example of the perfect 60 sec presentation. I got completely the visual, you are very good a story telling as many have told you before. I did not “have time” to listen to the podcasts of the last past weeks, but I got this one right on time. I have my 10 min presentation coming up this Friday and I was not sure what to do. This gave me a lot of insight and I got it! Thank you so much,

June 10, 2015 at 4:41 pm

This is a fantastic example of a solid sales manager minute.

February 22, 2016 at 8:00 pm

That was a precise presentation of his product & value addition. I am into waterproofing and this exactly gave me the insight to my 30 secs. Thank you.

April 6, 2017 at 8:19 am

Great tip on perfecting the presentation and moving away from memory hooks. I followed the link from Episode 490 something about memory hooks.

My take away from this session: – memory hooks are for people who don’t know what you do – the 60-second presentation is an opportunity for you to break down what you do in the least common denominator to make it easier for someone ignorant of your craft to understand a piece of what you do – using the 60-second presentation as training opportunity versus a sales opportunity – train your members like you would train your staff – show and tell vs. tell and sell – visuals are compelling, figure out a way to bring visuals into your presentation to make the training stick with your members – make the presentation memorable

How I’m going to use this information?

1st step – plan my presentations months in advance. This action will give me time to present my message over several weeks instead of feeling like I need to squeeze a book into 60-seconds.

2nd step – think about my business from a child’s perspective. How would I explain what I do to a child? What visuals could I use to help a child understand my value? Answering these questions will help me come up with a presentation that resonates with the masses.

3rd step – find stories to shares from past successes. I sell real estate. Use past client experiences to show the value my company provided to others and the effects this interaction has had on their life.

Thanks for sharing this information. I’ll make a point to add my thoughts to the sessions I’ve listened to because this helps us build a stronger community.

April 26, 2017 at 1:17 pm

What a great 60 second presentation.

August 10, 2017 at 8:03 am

Any suggestions for my 60 second presentation as accountant? I can not think of anything really to ‘hook’ a memory.

October 26, 2017 at 9:22 am

Simple examples are better because an audience gets lost when there is too much talk/details.

December 22, 2018 at 11:14 am

Live Demo is the best example…I will surely apply in my next presentation…Thank you…

December 26, 2018 at 9:21 am

Very powerful indeed ,being specific to the point makes it easy to understand the service or products one sells

November 12, 2021 at 9:20 am

Great Tip: Show and Tell. Reminded me when my kids were at school and had days when they would havde a show and tell session and talk about it.

Post a Comment Cancel reply

Your email address will not be published. Required fields are marked *

By using this form you agree with the storage and handling of your data by this website. *

Notify me of follow-up comments by email.

Notify me of new posts by email.

This site uses Akismet to reduce spam. Learn how your comment data is processed .

Past Episodes

Subscribe to podcast, the latest from bni.com.

• The Importance of Social Responsibility in Growing Your Business November 29, 2023
• Inviting for the Speaker October 12, 2023
• Setting Goals for Your BNI Chapter October 5, 2023

• Ivan’s Blog
• Misner Audio
• BNI® Business Builder

• Skip to main content
• Skip to footer

Search the Site

Whether you are buying, building, or considering refinancing your home, let us help!

Start your consumer real estate loan application by clicking on the loan type you request below or contact us today .

Make a loan payment here!

• Individual Residential Real Estate Loan Application
• Joint Residential Real Estate Loan Application
• CHARM Booklet
• Home Loan Toolkit
• HELOC Loan Application
• Home Equity Line of Credit Booklet

Ecosystem Kalinka

Luxury real estate in Russia, Europe, Asia and Middle East for a comfortable life and profitable investment. Our team — it is an association of market professionals, innovations and digital technologies, traditions and continuous development.

In the premium real estate market

Share of the moscow market, clients, including the forbes list, objects in the company's database., market experts work in the company, cumulative revenue, company turnover per year, the most expensive penthouse sold, ekaterina rumyantseva.

CEO of Kalinka Ecosystem

Our Mission: Tradition & Innovation

Pre–sale preparations

• Examination of competitors' sales
• Securing our sales plan
• Creation of a sales office
• Product training for brokers
• Development of efficient financial instruments
• Developing sales incentives

• Implementation of sales plan
• Premium brokerage/ brokers school
• Own client base
• Sales funnel management
• Mortgage broker services
• Legal support
• Monitoring of all stages of implementation

After–sales service

• Working with accounts receivable
• Informing the customer about the project status
• Working with customer reviews
• Loyalty programs
• Recommendation deals

International recognition

Aldar Properties

TOP Performing Dubai Agency

TOP 15 Performing Agency

Envoy Category

AZIZI Developments

TOP Performing Agency New Grade Reached

Select Group

TOP Performing Agent Runner Up

#1 Agen Newcomer of the Year

TOP Performing Sales Agent Ambassador Category

New grade reached Consul Category

Rolls–Royce

BEST REAL ESTATE AGENCY MARKETING RUSSIA

2021 – 2022

Awwards Winner

2019 – 2020

BEST REAL ESTATE AGENCY SINGLE OFFICE MOSCOW

REAL ESTATE AGENCY MOSCOW

2018 – 2019

2017 – 2018

official airline partner

The Telegraph

2016 – 2017

Rolls–Royce motor cards

2014 – 2015

in association with

Virgin Atlantic

PROPERTY CONSULTANCY RUSSIA

2013 – 2014

Best real estate company for high price category real estate according to the magazine «Novyy Adres»

First place in the Forbes rating № 4 (25). Leader in the number of closed deals in the segment of high-budget real estate according to the survey of NVM Business Consulting.

First place in the real estate market records award in the category of «Professional pride» with the project «Dvoryanskoye Gnezdo».

Only Russian company to win in three «International Property Awards» nominations.

Best real estate agency in Russia according to the «Premio Internazionale Le Fonti» award. Winner of two «International Property Awards» nominations.

Best real estate agency in Russia according to the «International Property Awards» with the presence of representatives of The Daily Telegraph.

First place in the «European Property Awards» in «Real Estate Agency Marketing for Russia». A high appraisal of an important part of the company’s work — management of marketing and sales of real estate developers.

First place in the «European Property Awards» in «Real Estate Agency for Moscow, Russia»

Best company in both Real estate and Marketing according to the «European Property Awards»

Solutions for developers, investors and buyers

Urgent buyout of distress-assets, apartments trade-in, accurate assessment with ai, investors club, apartments for sale, investing in redevelopment.

«Working daily with buyers and sellers of real estate. We know everything, from the customer’s first call up to the final sales.»

Ekaterina Rumyantseva,

our own full-time team of analysts and investment advisors

Created and implemented more than 200 consulting projects, analysis of the target group behavior utilizing a modern crm system, analysis of 1,000 customer requests and 300 transactions per year, own real estate database, updated daily, purchase and support of related databases, data on real estate lots in “closed sales”, information about the actual transaction sum and bargaining, kalinka realty.

Buying, selling and renting real estate

Kalinka Consulting

Complex solutions for developers

Kalinka Legal services

Legal support and audit

Kalinka Design

Professional selection of architects and designers

Kalinka analytics

Reviews of the real estate market in Moscow and MO

Kalinka Media

Current webinars and  situation in market

Kalinka International

Profitable investment. Citizenship and residence permit

30% of real estate transactions are not done after the purchase decision has been made. That’s why we maintain a constant dialogue with the buyer, lawyers, mortgage brokers and designers, to study the needs and implement the solution.

Our Partners

• AB Development
• ANT Development
• Capital Group
• Central Properties
• Insigma Development

Investment companies

• Capital Partners
• Hines International
• Absolut Bank
• VTB Capital
• Gazprombank
• Sberbank Capital
• Otkritie Capital

Design and architecture

• Andrew Martin
• Artistic Design
• Aukett Swanke
• Candy & Candy
• Helene Benhamou
• Jade Jagger
• Kelly Hoppen

Kalinka International (UAE, Turkey)

Programs for any purpose:

• Visa-free travel
• Life and business abroad
• Tax residency
• Cross-border movement under restrictions
• Education and career of children abroad

Kalinka Dubai

• Buying property in the UAE
• Sightseeing tours of the best residential complexes in Dubai
• Capital transfer (urgent purchase of ready-made companies in the UAE, opening an account)
• Long stay apartments
• Yacht charter
• School education
• Restaurants, shopping, household matters
• Flight organization.
• Assistance with international itinerary planning

Simplified visa system

No income tax, high return on investment, full ownership.

The Ritz-Carlton Residences

Collection of luxury residences

UAE, Dubai, Dubai International Financial Center, Al Sukuk Street, 9/1

The complex is located on the coast of the picturesque bay of Dubai Creek, where the world-famous Ras Al Khor flamingo and wildlife sanctuary is located. A unique location among mangrove forests, small lagoons and lakes combines peace and tranquility with the advantages of a large metropolis.

Rent – Start of sales.year

DAMAC Lagoons

Family low-rise residential complex

UAE, Dubai, Dubai Land, El Hebia Fift

Family low-rise residential complex in the spirit of the Mediterranean cities in the depths of Dubai. Convenient location allows you to get to large shopping centers, business clusters and offices of international companies in 20 minutes. Nearby are medical facilities, schools, an equestrian club, golf courses and the Dubai Sports City multifunctional complex.

Rent – year

DAMAC Cavalli Tower

UAE, Dubai, Dubai Media City

Elite residential complex on the west coast of Dubai, in the prestigious Al Sufuh area.

Atlantis The Royal Resort & Residences

Complex in the center of the Palm Jumeirah crescent

UAE, Dubai, Jumeirah, Palm JumeirahUnited Arab Emirates, Dubai, Jumeirah, Palm Jumeirah

Luxury residential complex in the center of the crescent of the Palm Jumeirah in Dubai. The developed infrastructure of the man-made island is impressive: gourmet restaurants, modern fitness studios, luxurious wellness clubs, shops and boutiques in Nakheel Mall. Well-maintained walking and jogging paths stretch along the many kilometers of beaches with snow-white sands.

Canal-front luxury serviced apartments

UAE, Emirate of Dubai, Zabeel, Business Bay

Luxury canal-front serviced apartments in the heart of Dubai.

W Residences Dubai Downtown

Complex in the prestigious Downtown area

UAE, Dubai, Zabeel, Burj Khalifa

Elite residential complex in the prestigious Downtown area, in the center of Dubai.

Kalinka Turkey

• Elite real estate
• New buildings and secondary offers
• Investment property
• Sightseeing tours
• Second Citizenship by Investment Program

Get a selection of foreign investment offers

Moscow exclusive properties, 6 unique projects, popular areas of moscow, secure business transactions, developed infrastructure.

Sociocultural cluster with modern apartment buildings

Zvenigorodskaya 2nd st., 12

The residential quarter is located on an area of 4.5 hectares, 200 meters from the Ulitsa 1905 Goda metro station, surrounded by parks: Krasnaya Presnya, Krasnogvardeyskie Prudy, the December Uprising Park and the Presnensky Childrens Park

Poklonnaya 9

Premium apartment house

Poklonnaya st., 9

he complex is located in a prestigious location in the west of the capital. Panoramic windows offer magnificent views of Victory Park, Sparrow Hills and Moscow City towers.

Victory Park Residences

Elite family residences in the west of the capital

Brothers Fonchenko st., vl. 3

he complex is surrounded by green parks and iconic sights of the city. Panoramic windows offer magnificent views of Poklonnaya Gora, the Triumphal Arch and City skyscrapers.

Capital Towers

Residential skyscrapers 500 meters from Moscow City

Krasnopresnenskaya emb., 14, building 1

A 10-minute walk from the metro stations "International" and "Vystavochnaya", a little further - the platform of the MCC "Business Center" and "Testovskaya" of the first Moscow diameter. For motorists, convenient exits to the Third Ring Road and the Garden Ring are located 6 minutes from the complex.

Neva Towers

Complex on the territory of the business center Moscow-City

Krasnogvardeisky 1st pr-d, 17-18

Panoramic windows offer direct views of the legendary Ukraina Hotel, the Government House and the embankments of the Moscow River. Residents have access to the entire infrastructure of the business district within a 10-minute walk. Afimall shopping center, multiplex cinema, cafes and restaurants, fitness studios, beauty salons and viewing platforms.

Club city on the river

Volokolamskoe sh., vl. 71/12

Moskvoretsky Park is a 5-minute walk away. In 10 minutes by car - the parks Shodnya, Pokrovskoe-Streshnevo and Stroginsky. A grandiose sports infrastructure is planned on the territory of the peninsula: more than 30 types of activities in one location and three yacht clubs in the neighborhood.

Community participation

PR and Media

Kalinka is in the TOP-3 in terms of citation in  the media in the elite real estate market and in the TOP-5 of business class and investment segment. Monthly number of publications mentioning Kalinka  — 250-300. Main sources: RBC, Forbes, Vedomosti, Kommersant, BFM, Elitnoe.ru. Joint analytics and press releases with leading Moscow developers: Insigma, AEON, Level Group and others. The Kalinka press service is always open to the media: journalists can be sure of comments, interviews and expert opinions. We promptly respond to requests and help the editors in the preparation of objective and high-quality materials.

A fifth of the entire interior improvement in the premium segment is created in the area of Minskaya Street

According to research of the Kalinka Ecosystem, the total area of internal landscaping in 40 projects on the premium real estate market in Moscow is 43.5 hectares.

Russians remain the leaders in buying Turkish real estate

Russians still occupy the first place in the demand for real estate in Turkey among foreigners. However, compared to 2022, there is a decrease in demand from our fellow citizens by 17%.

"Obydensky No. 1" became the best-selling club house in Moscow

According to a study of the Kalinka ecosystem, sales in 11 club houses started in the capital in 2023. The leader in sales was the club house "Obydenskiy No. 1", in other projects clients purchased on average four times fewer apartments.

Stay up to date with the latest news

We promise to send only interesting and important articles.

CEO of International consulting company Kalinka

Alexey Chumalov

General manager of Kalinka Moscow

Alexander Shibaev

General manager of Kalinka Middle East

Yulia Kovaleva

City real estate manager

Polina Medelyanovskaya

Denis Trusov

Dmitry Mezhinsky

Mikhail Dolgov

Head of Country Property Department

Best Pennsylvania Mortgage Lenders of 2024

Advertising Disclosure: When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence.

Ready to claim the keys to your own home in the Keystone State? You're part of a growing trend. Pennsylvania has more than 5.7 million housing units and a homeownership rate of 69.9%, according to the U.S. Census Bureau. The median housing price for Pennsylvania is $183,820, compared with a $404,700 national median value. Depending on where you live, though, you may have higher or lower expectations.

Summary of Top Lenders

New american funding, rocket mortgage, farmers bank of kansas city, veterans united home loans, u.s. news' best pennsylvania mortgage lenders.

Buying or selling a home?

U.S. News Rating

Why We Picked This

New American Funding is a mortgage lender offering a variety of home loan options to homebuyers and homeowners nationwide except for Hawaii and New York. The company, founded in 2003 and based in Tustin, California, has originated more than $66 billion in mortgages to date.

The lender has multiple mortgage options, including low- and no-down-payment loans.

Specializes in loans to minority borrowers.

Ability to choose between fixed- or adjustable-rate mortgages.

Fees aren't disclosed unless you're applying for a mortgage.

Alternative to New American Funding

If you don't want any surprises on fees, Ally Bank is a good alternative. Ally Bank charges no lender fees on its mortgages.

See full profile »

NBKC Bank, founded in 1999, is a Kansas City, Missouri-based online bank and mortgage lender. The financial institution says it is one of the few that funds VA and FHA loans in all 50 states.

You may qualify for a mortgage if you have fair credit.

The lender provides a simple online application process.

No lender fees are charged on VA loans.

Loan fees are not transparent.

U.S. Department of Agriculture loans are not available.

Brick-and-mortar branches are only in the Kansas City metro area.

Alternative to NBKC Bank

AmeriSave Mortgage is worth considering if you're looking for a U.S. Department of Agriculture loan. NBKC Bank does not offer USDA home loans.

Rocket Mortgage, the largest mortgage lender in the nation, was founded in 1985. The Detroit-based company is best known for its fully digital experience of buying or refinancing a home. Rocket Mortgage changed its name from Quicken Loans in the summer of 2021.

This company offers a variety of loan options and customizable loan terms.

The digital application process is user-friendly, and loan status information is always available.

Rocket Mortgage has an excellent reputation for customer service.

Borrowers won't have an option for in-person service.

Home equity lines of credit are not available.

Rocket Mortgage does not currently offer U.S. Department of Agriculture loans.

Alternative to Rocket Mortgage

If you need a home equity line of credit or U.S. Department of Agriculture loan, New American Funding is a good alternative. New American Funding offers those among its wide range of mortgage products, and it specializes in loans to minority borrowers.

Farmers Bank of Kansas City is a branch of Farmers Bank & Trust. While it started with a focus on agricultural lending, today it offers a range of lending products, including home and business loans.

Online application process that allows you to view your loan status 24/7.

Possible to communicate with the lender via text, phone call or email.

Limited branch locations.

No automatic payment discount.

Alternative to Farmers Bank of Kansas City

Citizens mortgages are a good alternative if you want a discount for automatic payments. Citizens offers a 0.125 percentage point interest rate discount to eligible mortgage borrowers who set up automatic payments, but you may need to pay from a Citizens checking account depending on where you live.

Veterans United Home Loans offers mortgages in all 50 states and Washington, D.C., and specializes in Department of Veterans Affairs loans. Since 2016, Veterans United Home Loans has generated the largest number of VA purchase loans per year in the nation. The lender was founded in 2002 and is based in Columbia, Missouri.

VA loan specialization.

Non-VA loan options are also available.

No minimum loan amount.

Home equity loans and home equity lines of credit aren't available.

Alternative to Veterans United Home Loans

If you're a service member or veteran who has exhausted your Department of Veterans Affairs loan benefit, Navy Federal Credit Union is worth considering. Navy Federal offers no-down-payment Military Choice loans for qualifying active duty service members, reservists or veterans.

PenFed Credit Union

Pentagon Federal Credit Union, widely known as PenFed, offers borrowers access to many types of mortgages: conventional, adjustable rate, jumbo and Department of Veterans Affairs, plus refinancing loans and home equity lines of credit. The financial institution, which serves 2.9 million members, was established in 1935 and is based in Tysons, Virginia.

Receive a broker-paid closing credit of up to $1,500. Choose from a variety of loan types.

Has no Department of Agriculture loans.

Requires credit union membership.

Alternative to PenFed Credit Union

For qualifying service members or veterans seeking a Department of Veterans Affairs loan, Veterans United Home Loans is worth considering. Veterans United operates nationwide and specializes in VA loans.

U.S. Bank Mortgage

U.S. Bank is based in Minneapolis, Minnesota, tracing its roots back to 1863. The lender provides various banking products and services as well as a handful of mortgage options. The lender offers conventional loans, Federal Housing Administration loans, Department of Veterans Affairs loans, jumbo loans and more.

Provides mortgage loans nationwide.

Assists U.S. Bank customers with closing costs.

Doesn't offer personalized rate quotes.

Alternative to U.S. Bank Mortgage

If you want an idea of what your interest rate would be before you apply for a mortgage, TD Bank is worth consideration. TD Bank will give you a personalized rate quote before you apply.

Chase, one of the world's largest banks, was founded in 1799 in New York and offers fixed-rate, refinance and other mortgage loans.

Down payments as low as 3% are accepted on conforming loans.

Fixed- and adjustable-rate mortgages are available.

Home lending advisors aren't based in every state.

The Chase Homebuyer Grant isn't available in all states.

Alternative to Chase

If you need a mortgage loan but can't make a down payment, Alliant Credit Union is worth considering. Alliant Credit Union offers no-down-payment loans to first-time homebuyers, but you'll need excellent credit to qualify.

Guaranteed Rate

Guaranteed Rate, founded in 2000 and based in Chicago, offers mortgage options including conventional loans, FHA loans, jumbo loans and interest-only loans to customers in all 50 states and Washington, D.C. Borrowers can take advantage of specialized loan products and Guaranteed Rate's online application, documentation and loan payment options.

Gives homebuyers the opportunity to use a fully remote, zero-contact closing process.

Offers many types of mortgages.

No traditional home equity loans.

No USDA loans.

Alternative to Guaranteed Rate

If you're looking for a home equity loan, Farmers Bank of Kansas City is worth considering. Farmers Bank of Kansas City offers home equity loans and home equity lines of credit of up to a 100% loan-to-value ratio.

PNC Bank is one of the largest banks in the United States and serves customers in all 50 states and the District of Columbia. A full-service mortgage lender, PNC offers most mortgage loan product types.

PNC Bank offers multiple mortgage product lines.

Low down payment mortgages are available.

Its website has tools to help you understand the full cost of homeownership.

PNC Bank does not have physical branches in all 50 states.

Alternative to PNC Bank

If you prefer to work with a credit union over a large bank, PenFed Credit Union is worth considering. PenFed offers a full selection of mortgage products nationwide along with broker-paid closing credits, and anyone can easily join by opening a savings account with the credit union and depositing $5.

On This Page

What Are the Mortgage Rates in Pennsylvania?

• Current Mortgage Rates

What Are Some Pennsylvania Homebuyer Programs?

The average mortgage rate in Pennsylvania is currently 7.19% for a 30-year fixed loan term and 6.61% for a 15-year fixed loan term.

These are the interest rates offered to Pennsylvania residents looking to buy or refinance a home as of 02/08/2024.

What Are Current Mortgage Rates?

Mortgage rates increased again this week, according to the Mortgage Bankers Association. Interest rates are expected to remain higher for longer until the economy cools down and inflation shows signs of slowing.

Looking forward, mortgage interest rates are still forecasted to decline somewhat throughout 2024, as the Federal Reserve projects rate cuts will begin sometime later this year. Here are the current mortgage rates, as of April 24:

• 30-year fixed: 7.24% with 0.66 points (previous week: 7.13% with 0.65 points).
• 15-year fixed: 6.75% with 0.64 points (previous week: 6.64% with 0.64 points).
• 5/1 ARM: 6.64% with 0.87 points (previous week: 6.52% with 0.6 points).
• 30-year jumbo loans: 7.45% with 0.56 points (previous week: 7.4% with 0.46 points).
• 30-year FHA loans: 7.01% with 0.94 points (previous week: 6.9% with 0.99 points).

Pennsylvania homebuyers can get help with down payments and closing costs as well as reduced interest rates, lower fees and tax credits with these Pennsylvania Housing Finance Agency programs.

HFA Preferred Program

• Available to: Eligible Pennsylvania homebuyers.
• Income limits: Vary by county (see PHFA income limits ).
• First-time homebuyers only? No.
• Loan options: 30-year fixed-rate mortgages.
• Benefits: Provides access to low-cost mortgage insurance and a $300 credit toward closing costs if you have prepurchase counseling.

Keystone Home Loan Program

• Available to: First-time homebuyers, or military veterans and homebuyers purchasing in a targeted county (indicated with a "T" in the program's purchase price and income limits ).
• Income limits: Vary by county.
• Benefits: Conventional loans are insured by the Pennsylvania Housing Insurance Fund. It also allows you to qualify for down payment assistance.

Keystone Advantage Assistance Loan Program

• Available to: Homebuyers with a qualifying PHFA home purchase loan.
• Down payment and closing cost assistance: Grants a no-interest second mortgage of up to 4% of the purchase price or market value, or $6,000, whichever is less. The loan is repaid over 10 years.

Mortgage Tax Credit Certificate

• Assistance: Provides a tax credit of 20% to 50% of mortgage interest paid, with a $2,000 annual limit.

Access Home Modification Program

• Available to: Homebuyers with a disability (or a disabled household member) who qualify for a PHFA mortgage loan.
• Down payment and closing cost assistance: Offers an interest-free loan of up to $10,000 that borrowers can use to make modifications to meet the needs of the person with a physical disability. Payment is deferred until sale, transfer or nonowner occupancy of the property. Participants may also qualify for down payment and closing cost assistance of up to $15,000 through the Access Downpayment and Closing Cost Assistance Program .

HOMEstead Downpayment and Closing Cost Assistance Loan

• Available to: Pennsylvania homebuyers purchasing a home in an eligible city or county through the HOMEstead program.
• Income limits: Vary by county (see HOMEstead Program income limits ).
• Down payment and closing cost assistance: Provides a no-interest second mortgage loan of up to $10,000, which is forgiven over five years.

Employer Assisted Housing Initiative

• Available to: Low- to moderate-income employees of participating employers .
• Down payment and closing cost assistance: Workers can receive assistance through their employers, which doesn't require a PHFA loan. But homebuyers who choose a PHFA loan can get an interest-free Keystone Advantage Assistance Loan of up to $8,000 for down payment and closing cost assistance that is repaid over 10 years.

Our Mortgages Methodology

Mortgage rates by mortgage type.

• Compare Mortgage Rates
• Compare Today’s 30-Year Mortgage Rates
• Today’s 15-Year Mortgage Rates
• Today's 20-Year Fixed Mortgage Rates
• Today’s 10-Year Fixed Mortgage Rates
• Today’s FHA Mortgage Rates
• Current VA Mortgage Rates
• Current Mortgage Refinance Rates
• Current Jumbo Mortgage Rates
• Current 30-Year Mortgage Refinance Rates
• Current 15-Year Mortgage Refinance Rates
• Current 5/1 ARM Mortgage Rates

To recap, here are the picks:

• New American Funding : 2024 Award Winner: Fast Closing
• NBKC Bank : 2024 Award Winner: Mortgage Lender
• Rocket Mortgage : 2024 Award Winner: Changing Rates
• Farmers Bank of Kansas City : 2024 Award Winner: Refinance Lender
• Veterans United Home Loans :
• PenFed Credit Union : 2024 Award Winner: First-Time Homebuyers
• U.S. Bank Mortgage :
• Guaranteed Rate :

Jessica Merritt , Contributor

Jessica Merritt has contributed to U.S. News since 2017 as a writer and editor specializing in personal finance. Merritt worked closely with U.S. News from 2018 to 2020 to plan, edit and write credit cards and loans content. Read more

Related Categories

Best Mortgage Lenders by State

• Bahasa Indonesia
• Slovenščina
• Science & Tech
• Russian Kitchen

Moscow hopes to become first 5G city by 2020

One of the 5G network will be a speed of 100 megabits per second for residents of large cities.

The Moscow mayor's office is in talks with a consortium of mobile operators over the possibility of developing 5G networks, the Kommersant daily reported on April 7. The government is determined to make the project an attractive investment for the operators and hopes the Russian capital will have 5G networks in 2020. 

Moscow’s telecom market is divided between four major players: Russian companies Megfon, VimpelCom, and MTS, plus European Tele2 – which entered the fray in 2015. A query from RBTH about a 5G consortium received an optimistic response from Megafon and Tele2, but VimpelCom and MTS decided not to answer. 

"The consortium may lay the foundation for the joint development of this technology by all the operators," said Konstantin Prokshin, head of strategic communications at Tele2.

The support of the authorities is important for telecom operators because such issues as equipment deployment and power supply can often be solved only with the government’s help, explained Yulia Dorokhina, head of the press service at Megafon.

2018 World Cup and rivalry with London

City of London Corp., which runs London's financial center at the municipal level, has announced its plans to switch to the 5G standard as soon as it becomes available, writes The Financial Times. The company has signed a multimillion dollar wireless Internet upgrade contract with Cornerstone, which is owned by the Vodafone and O2 telecom operators.

Global capitals will be competing with each other over which of them will become the first to switch to 5G, said Konstantin Prokshin. The pace at which new technologies are introduced suggests that Moscow can indeed become one of the leaders in the development of 5G, he added. "Moscow's mobile market is one of the most developed in the world, with a low average cost of services and high quality," Prokshin pointed out.

During the 2018 FIFA World Cup in Moscow and St. Petersburg, Megafon plans to set up 5G test zones, Yulia Dorokhina said. "One of the main advantages offered by the new network is its huge capacity. The client receives high-quality signal in places of mass gathering of people – stadiums, railway stations, traffic jams," she added.

What is known about 5G today

Exact 5G specifications are still being developed, but one of them – as identified by the Next Generation Mobile Networks alliance – will be a speed of 100 megabits per second for residents of large cities.

"So far, some disparate research experiments have been conducted. What exactly the 'fifth generation' will provide is not quite clear," said Vladimir Korovkin, head of Innovations and Digital Technologies at the Moscow School of Management Skolkovo.

He added that the focus of 5G developers is not to increase the bandwidth of the channel, but to provide a guaranteed high-speed signal and density of coverage. "Both these features are important for mass use of M2M (machine to machine) networks," Korovkin explained.

One of the crucial questions is who will be producing the technical equipment and how the link to international networks will work. For the first time, Chinese companies, in particular Huawei, are taking an active part in creating a new standard, Korovkin pointed out. For example, Megafon has successfully tested mobile data transmission at 1 Gbit/s using Huawei equipment and at 5 Gbit/s during network equipment tests with the Finnish company Nokia, Dorokhina said.

Read more: Russians believe their life would not change without Internet>>>

If using any of Russia Beyond's content, partly or in full, always provide an active hyperlink to the original material.

to our newsletter!

Get the week's best stories straight to your inbox

This website uses cookies. Click here to find out more.