Our Affiliate Club members are some of the best in the industry, so we're excited to put the spotlight on them for our Affiliate Club Member Spotlight Series on the ABoR.com blog! This month, get to know USHealth Advisors and On Q Financial.
Platinum Affiliate Club Member
Q: Healthcare is a relevant and important topic being discussed nationally. How do USHealth Advisors keep in touch with conversation, trends, and concerns regarding healthcare options?
A: Healthcare is also a very highly-regulated industry, so compliance is of utmost importance. Therefore, we have a team in our home-office specifically dedicated to monitoring industry trends and the fluidity of regulations. We also actually listen to our clients and apply their feedback to make the necessary adjustments to our plans.
Q: In the complex world of health insurance, how do USHealth Advisors employees assure customers of a satisfying and helpful experience?
A: USHA has won multiple national awards in sales and customer service. We achieve this type of recognition by listening very well to our clients and providing personal one-on-one service for the life of the policy. We don't have a "one-size fits all" program. Instead, we assist our clients in building the plan that fits their needs and budget. Additionally, we regularly update our product portfolio to keep up with the ever-changing healthcare industry, and the changing needs of our clients.
Q: Since 2016, USHealth Group, the national health distributor of USHealth Advisors, has been recognized as "Insurance Company of the Year," making it a trusted name in the industry. What sets you apart from other insurance companies?
A: Actually, USHealth Advisors is the sales and marketing arm of US Health Group. USHealth Advisors is the distributor of USHealth Group products.
At USHealth Group, with our family of companies, we offer a full portfolio of plans that let you tailor health coverage to YOUR specific needs. With over 50 collective years of health insurance experience, the USHealth Group family of companies are true innovators in the industry that offer flexible, affordable, and secure plans for you and your family.
Affordability and reliability are the hallmarks of our product portfolio. Whether you need coverage for everyday medical expenses or want peace of mind for more serious medical events, we can help. With more than 15 million customers served, the USHealth Group family of companies brings an unparalleled combination of award-winning experience and innovation to everything we do.
Q: What value does USHealth Advisors gain from being an Affiliate Club Member with ABoR?
A: We can help anyone in need of affordable benefits plans, but we focus on small business and the self-employed. Real estate professionals are a very large and important sector of this demographic, so being an Affiliate Club Member with ABoR allows us to serve a large number of people that we can help. It also allows us to stay "in touch" with the needs and concerns of real estate professionals.
On Q Financial
Silver Affiliate Club Member
Q: How does On Q Financial make the home mortgage process more efficient for homebuyers?
A: Simplifying the home-buying experience is one of our top priorities here at On Q Financial. So much so that it's our tagline. "Mortgages Simplified." We achieve this through the use of our simple mobile app, our streamlined loan process that allows for 15-day closings, and our commitment to customizing each client's experience so we know how to best serve them both efficiently & effectively.
Q: What are some mistakes you see first-time homebuyers make, and what are some tips REALTORS® can pass on to their clients about the mortgage process?
A: The biggest mistake I see with first-time homebuyers is making assumptions. Many "think" they aren't ready to purchase a home when, in fact, they really are. The assumptions I hear the most are "I'm not ready," "I don't have any money for a down payment," and "My credit is bad, so I probably won't qualify." The best tip I have for REALTORS® is to encourage first-time homebuyers to speak with a trusted mortgage consultant who will take time to analyze their true purchasing power, put together a game plan for credit repair (if needed), and provide loan options for them to choose from. It's never too soon to get pre-qualified, and it's better to know exactly where you stand.
Q: What is your advice to those deciding between renting or buying?
A: Do your homework. Understand the cost of waiting versus the risk of buying now. Get clear about your housing plans for the next 3-7 years. If a potential homebuyer is prepared financially, there's a high probability that buying is the better choice. 12 months from now the same exact home could easily cost hundreds of dollars more per month if we wait. That's where analyzing the cost of waiting comes in. Ask me or a trusted mortgage consultant to run one for you.
Q: Mortgage rates have seen a steady increase since the beginning of the year. What are your predictions for interest rates in 2019?
A: I believe interest rates will move higher gradually over the course of the next 12 months. No one knows for sure, but I can see them getting into the 6% range within the next 1-2 years.
Q: What value does On Q Financial gain from being an Affiliate Club Member with ABoR?
A: Being a part of the real estate community that ABoR created has been a valuable part of our experience as an Affiliate Club Member. Connecting with real estate agents and having the opportunity to support and grow alongside their businesses has also been extremely valuable.