Occupational Commissioning Prayer

INTRODUCTION (to be read before each of the four prayers)

Within the Kingdom of God every role has significance. We are each witnesses for our faith, whether we talk about it or not.

How we are perceived at our workplaces and in our homes impacts whether we’re trusted or not – whether or not we are credible witnesses for Christ.

Many people come to faith – saying “yes” to Jesus – because they reached out to someone they trusted in a time of need.

Ours is that opportunity… to be the person they reach out to.

We want to commission the following vocations today – as missionaries – into service for Jesus at their workplaces. If you are involved in the following areas, please stand:

PRAYER ONE – Retail/wholesale/sales/marketing/hospitality/tourism/real estate/arts/Recreation services…

I will ask… to pray for you and then I will pray the Prayer of Commissioning…

Most Gracious Father,

We thank you for these workers of yours who are standing; for their skills, for their experience in many cases, and for their knowledge in their roles – for the service they provide for their employers.

We know how important integrity is in these roles and professions, LORD, where trust, respect, humility, and patience are keys in dealing with customers, clients, and guests – particularly in dealing with difficult people and situations. We ask that you would fill these people standing with your grace in a special way so they will be known as persons of integrity.

In your name, Jesus, we commission these workers as workers for you in their context. We ask that you would fill these people standing with your Spirit in a special way by revealing to them the divine appointments you have planned for them in their work. We ask that you would bless them with boldness as they care enough to share of themselves, where they see your Spirit at work. Help them to discern you.

We commission them in your name, Jesus, and we ask that you would bless them with every possible assurance as they share their faith wherever they can.
It’s in your name we pray, AMEN.

PRAYER TWO – Administration workers/clerical/finance/accounting/human resources/supply/insurance/retirees

I will ask… to pray for you and then I will pray the Prayer of Commissioning…

Most Gracious Father,

We thank you for these workers and retirees of yours who are standing; for their skills, experience, and for their knowledge – for the service they provide for their employers; for what they give of themselves to their communities.

We know how important integrity is, LORD, where trust, diligence, honesty, and responsibility – and kindness, patience, and grace – are keys in dealing with people and processes – particularly when dealing with money and power, as well as in dealing with difficult people and testing situations. We ask that you would fill these people standing with your grace in a special way so they will be known as persons of integrity and kindness.

In your name, Jesus, we commission these workers and retirees for you in their context. We ask that you would fill these people standing with your Spirit in a special way by revealing to them the divine appointments you have planned for them in their work and in their communities. We ask that you would bless them with boldness as they care enough to share of themselves, where they see your Spirit at work. Help them to discern you.

We commission all of you who are standing, in the name of Jesus, and we ask that you would be blessed with every possible assurance as you share your faith and caring wherever you can.

It’s in His name we pray, AMEN.

PRAYER THREE – Education/training/medical/health/social services/ care services/ public servants/public administration/ legal services & mums at home

I will ask… to pray for you and then I will pray the Prayer of Commissioning…

Most Gracious Father,

We thank you for these workers and mums of yours who are standing; for their skills, experience, and for their knowledge, and for their caring – for the service they provide for their employers; for what they give of themselves to the people they serve; and, in the case of mums, for their devotion to their kids.

We know how important diligence and love are, LORD, where care, compassion, fairness, justice, and faithfulness are keys in dealing with those who must rely on us – particularly when dealing with those who are totally dependent on us, as well as in dealing with testing times and situations. We ask that you would fill these people standing with your grace in a special way so they will be known as persons of diligence, insight, and compassion.

In your name, Jesus, we commission these workers and mums for you in their context. We ask that you would fill these people standing with your Spirit in a special way by revealing to them the divine appointments you have planned for them in their work, in their communities, and in their homes. We ask that you would bless them with boldness as they care enough to share of themselves, where they see your Spirit at work. Help them to discern you.

We commission all of you who are standing, in the name of Jesus, and we ask that you would be blessed with every possible assurance as you share your faith and caring wherever you can.

It’s in His name we pray, AMEN.

PRAYER FOUR – Construction/engineering/manufacturing/mining/trades/ transport/internet/media/telecommunications

I will ask… to pray for you and then I will pray the Prayer of Commissioning…

Most Gracious Father,

We thank you for these workers of yours who are standing; for their skills, experience, and for their knowledge – for the service they provide for their employers; for what they contribute within the industrial sectors they serve in.

We know how important quality, production and safety are, LORD, where diligence is the key in dealing with significant workplace issues where testing times and situations push your people to the limit. We ask that you would fill these people standing with your strength and grace in a special way so they will be known as persons of diligence, quality, and reliability.

In your name, Jesus, we commission these workers for you in their context. We ask that you would fill these people standing with your Spirit in a special way by revealing to them the divine appointments you have planned for them in their work. We ask that you would bless them with boldness as they care enough to share, where they see your Spirit at work. Help them to discern you.

We commission all of you who are standing, in the name of Jesus, and we ask that you would be blessed with every possible assurance as you share your faith and caring wherever you can.

It’s in His name we pray, AMEN.

Owner Financing – Discover the Top 3 Myths of the Seller Carry-Back Note

With the economy and real estate markets on the decline seller financing is on the increase.  The installment sale is being pulled out of the toolbox as an alternative financing method to conventional loans.

As the owner financing method becomes a frequent topic among real estate agents, investors, and discussion boards there are inevitably some misconceptions being perpetuated. These three myths seem to continually reoccur:
 
MYTH #1The Seller Must Own Property Free and Clear to Offer Owner Financing
 
FACT: While zero existing debt on a property can be an advantage in seller financing it is NOT a requirement.   In fact, the majority of owner-financed transactions have a prior debt incurred by the seller from when they bought the property.  When the seller offers financing and this mortgage remains it is commonly known as a “Wraparound Mortgage” or “All Inclusive Trust Deed (AITD).”

 
As the buyer makes payments to the seller on the new owner financing the seller must in turn continue to keep payments current with their lender.  This type of arrangement comes with risk, including a senior mortgage holder calling their note all due and payable for violation of the due on sale clause.
 
MYTH #2Seller Financing Just Involves FSBO Deals
 
FACT: – A portion of seller financed notes are created from For Sale By Owner (FSBO) transactions but there are equally as many sellers using the services of a Real Estate Agent.  Experienced agents will often encourage sellers in slow markets to include “Owner Will Finance” in the Multiple Listing Service (MLS) property description.
 
These agents are still paid their commission at closing from proceeds, generally from the down payment funds.  In the rare cases there are not sufficient proceeds to cover the commission at closing some agents have elected to take back a note themselves for a portion of their fee.
 
MYTH #3 – There Are Only Second Liens With Seller Carry Back Financing
 
FACT: The majority of seller financed notes sold to investors for cash on the secondary market are NOT second liens. If the seller wrapped an existing mortgage and still owes money the note investor will pay off the seller’s debt at closing from the note purchase proceeds.  This puts the seller-financed note in first position.

 
There are also many second liens created from some version of the 80-10-10 transaction.  This is where the buyer puts 10% down, obtains an 80% bank loan the seller carries back the 10% remaining balance as a second lien.  The buyer’s new bank loan is in first position and the seller is in second position.
 
These small second position notes are highly risky transactions, especially in a falling real estate market. Many note investors decline to purchase a small second due to the high risk of default on a low equity high Loan-to-Value subordinate lien. 
 
Recognizing these common misconceptions and their myth busters will help sellers, investors, brokers, and buyers put seller financing to good use during the sub prime mortgage meltdown.