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At Help-U-Sell, we love Patricia Boyd.  Her consumer advocate approach to real estate finance is a perfect match for our own consumer oriented program and she’s already brought great value to our new relationship.  Patricia is the founder of Real Finance Solutions and has spent almost 30 years working with Realtors to increase their understanding of mortgage financing so that they can help consumers make good decisions.  Recently, the National Association of Realtors brought her ‘Certified Real Finance Advocate’ training program into Realtor University.

The training program consists of two video lessons delivered online and upon successful completion of an exam, results in a certification of the participant a cRFA.  What’s important though is the quality of information that is delivered in the program and the ongoing support and education cRFA designees receive.  They have their own website that keeps them updated about new programs and changes, regular coaching sessions and networking opportunities.

In this business, we are all about VALUE.  Value is what bring to real estate transactions.  It is our commodity.  The only reason any consumer would ever choose to do business with you (over someone else) is that they perceive the value you bring to their situation.  Knowledge of finance and the ability to use it to make transactions happen is an essential part of our value package.

Help-U-Sell folks:  you know what I’m talking about.  You’ve heard Jack Bailey work with buyers to create a Real Estate Plan and you have swelled with pride and admiration at how he brings his vast knowledge to the task of solving real problems. With the cRFA program, you can begin to develop that same kind of expertise, that same depth of value.

Patricia recently teamed up with TurnScor, a credit repair company that approaches the process a little differently.  They provide software to participating real estate brokers who then offer it to consumers for free.  Consumers work through the software on their own, repairing or improving their own credit scores.  This is a superior solution for real estate professionals because they’re saving their customers the often substantial fees most credit repair companies charge and they are not handing their customers off to an outsider who may or may not support the original relationship.

As a broker I think I’d make TurnScor a part of every initial buyer consultation.  Credit score will absolutely impact the quality of financing the buyer will be able to achieve, and even the buyer with a 700 FICO could benefit from raising it to, say, 740.   I think I’d also use it with sellers who will likely be buying something else.

Here’s a novel idea:  why not give TurnScor to everyone on your CI list for the Holidays?  It will certainly be perceived as valuable.


TurnScor usually costs $199 a month (with no contract) and a $99 setup fee.  For the month of December ONLY, new signups are at $149 a month and the $99 fee is waived.  PLUS!! Patricia will throw in her full two course cRFA certification program – which usually sells for $199 – FOR FREE.   If that’s not a bargain, I don’t know what is.  Here’s a link to Patricia’s flyer with all the details (be sure to go to the TurnScor link and watch the Demo):  Real Finance Solutions System

Here is a short video with Patricia talking about the power of the cRFA program:

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