Can you imagine paying cash for all your purchases? Saving up to purchase property with 100% down? Up until relatively recently, that was the way purchasing occurred. Credit was not handed out or even solicited, and purchasing property came after years of diligent saving. Today, most consumer goods, and property is purchased with mortgage credit. It is estimated that 80% of consumer goods, and 70% of all residential properties are purchased with credit. Even with the prevalence of credit, recent events and changes in credit availability have led to many potential property buyers being unable to afford the property they desire. Being able to counsel people on improving their financial standing can not only improve your service to current clients, it can also be used as a marketing tool to attract and help new clients!