I posted a few weeks ago about "Short Sales" and how we can help people who are facing foreclosure due to varying circumstances.
The response has been astounding. I have received several inquiries about this service and have obtained a few listings as a result.
It is not uncommon for people who were able to get adjustable rate mortgages to fall behind once the initial rate period expires. I have heard the same stories again and again; many people can't afford to live in the houses they purchased 3-5 years ago and need help.
A Short Sale will bruise your credit, but it won't destroy it. You may be able to purchase a home again in as little as two years. The key is to act quickly and hire a professional who has experience in these types of transactions. Some of the people I have spoken with have reported that they've talked to other "professionals" who agree to help them for an up-front fee. If anyone tells you this, you are talking to the wrong person.
You will not pay us a dime to handle the transaction. You'll gain peace of mind knowing that your stress will be alleviated, and you'll come out on the other side with hope.
We truly believe in helping, and we're ready.
Have a great Tuesday.
Tuesday, October 30, 2007
Friday, October 26, 2007
It's Friday already......
I haven't posted since Monday? Where has this week gone?
It goes to show how busy we've become and I'm not going to complain.
Statistics show that home values in Tarpon Springs have remained steady, despite the downward spiral of other markets. The reason? Florida is a destination state, and Tarpon Springs is the perfect location in Pinellas County. I've spoken to several people over the past few days that are in LOVE with Tarpon Springs and I can't blame them.
So your house is on the market in Tarpon Springs and you're wondering why you haven't seen an increase in activity? Be patient a little longer. The snowbirds are returning by the flock and they are ready to invest in Florida.
We should be seeing increased activity from now through next April, which is when the experts predict the ebb and flow of the real estate market to even out.
Good things are coming. Do you have the best real estate professional on your side? If it's not us, then you probably don't.
Have a great weekend!
It goes to show how busy we've become and I'm not going to complain.
Statistics show that home values in Tarpon Springs have remained steady, despite the downward spiral of other markets. The reason? Florida is a destination state, and Tarpon Springs is the perfect location in Pinellas County. I've spoken to several people over the past few days that are in LOVE with Tarpon Springs and I can't blame them.
So your house is on the market in Tarpon Springs and you're wondering why you haven't seen an increase in activity? Be patient a little longer. The snowbirds are returning by the flock and they are ready to invest in Florida.
We should be seeing increased activity from now through next April, which is when the experts predict the ebb and flow of the real estate market to even out.
Good things are coming. Do you have the best real estate professional on your side? If it's not us, then you probably don't.
Have a great weekend!
Monday, October 22, 2007
Rants....again.......
Happy Monday!
I hope you enjoyed a great weekend and you've been refreshed to start a new week.
I spent some time this weekend looking at all of the "Active" listings in Tarpon Springs on the MLS. I've said it before and I'll say it again; if you, as the seller, are not aware of how your property is being marketed to buyers and other agents, you need to contact your real estate professional today and become informed.
I can't tell you how many million-dollar plus homes are listed on the MLS with ONE picture. It costs no more to put 12 pictures on MLS as it does 1, and no matter what the price of the property if your agent has posted only 1 picture on MLS, you are being short-changed. Your property is not being marketed to its fullest potential. And in this type of market, your agent should be working doubly hard to get the word out about your home.
One picture! And do you know there were at least 2 properties where the one picture was taken from the car of the agent! They couldn't even get out of the CAR to take the picture! This tells me that the client isn't very important to him/her and that he/she doesn't feel that the client's business has to be earned.
Remember your agent is working for YOU. Tell your agent if you feel your property isn't being marketed properly and try to work as a team.
Have a successful and happy Monday!
I hope you enjoyed a great weekend and you've been refreshed to start a new week.
I spent some time this weekend looking at all of the "Active" listings in Tarpon Springs on the MLS. I've said it before and I'll say it again; if you, as the seller, are not aware of how your property is being marketed to buyers and other agents, you need to contact your real estate professional today and become informed.
I can't tell you how many million-dollar plus homes are listed on the MLS with ONE picture. It costs no more to put 12 pictures on MLS as it does 1, and no matter what the price of the property if your agent has posted only 1 picture on MLS, you are being short-changed. Your property is not being marketed to its fullest potential. And in this type of market, your agent should be working doubly hard to get the word out about your home.
One picture! And do you know there were at least 2 properties where the one picture was taken from the car of the agent! They couldn't even get out of the CAR to take the picture! This tells me that the client isn't very important to him/her and that he/she doesn't feel that the client's business has to be earned.
Remember your agent is working for YOU. Tell your agent if you feel your property isn't being marketed properly and try to work as a team.
Have a successful and happy Monday!
Thursday, October 18, 2007
Would you like that in Euros........
With the decrease in worth of the dollar overseas, it has become apparent that foreign property investors are on the forefront of calling America a second home.
We have already seen an increase in buyers from other nations, specifically in Florida. While this has always been the case, with more purchasing power in the form of Euro currency, foreign nationals are increasing our sales numbers in this state by leaps and bounds. Many of these buyers are gambling that properties purchased now will translate into huge dividends in the near future.
If your home is on the market currently, you should be asking your agent if he or she provides for any international marketing. Do they speak another language? Do they have contacts in countries which represent the largest pool of buyers in the United States? The answer should be a resounding "yes".
This is truly a global village and we should be extending a welcome to our international friends.
Have a great Thursday!
We have already seen an increase in buyers from other nations, specifically in Florida. While this has always been the case, with more purchasing power in the form of Euro currency, foreign nationals are increasing our sales numbers in this state by leaps and bounds. Many of these buyers are gambling that properties purchased now will translate into huge dividends in the near future.
If your home is on the market currently, you should be asking your agent if he or she provides for any international marketing. Do they speak another language? Do they have contacts in countries which represent the largest pool of buyers in the United States? The answer should be a resounding "yes".
This is truly a global village and we should be extending a welcome to our international friends.
Have a great Thursday!
Monday, October 15, 2007
Renewals WAY down.........
Time gets away from me lately. But I'm not complaining, because that means I'm busy!
I wanted to pass on some information regarding the renewal of licensed real estate agents in the state of Florida. Renewals for licenses are either due in March or September. The September statistics show that out of a potential 86,000 (approximately) renewals possible, only approximately 22,000 actually renewed their licenses.
As I and others predicted, the agents who got into the industry to make easy money during the hot market have found it hard to generate business in this correcting market. This is good news for those of us who have committed ourselves to real estate and to hard work.
We'll see more and more agents dropping out for the promise of a regular paycheck and stability, but those of us remaining in the industry know our determination and the support of our clients will bring about fruition.
We're here to help and we're not going anywhere!
I wanted to pass on some information regarding the renewal of licensed real estate agents in the state of Florida. Renewals for licenses are either due in March or September. The September statistics show that out of a potential 86,000 (approximately) renewals possible, only approximately 22,000 actually renewed their licenses.
As I and others predicted, the agents who got into the industry to make easy money during the hot market have found it hard to generate business in this correcting market. This is good news for those of us who have committed ourselves to real estate and to hard work.
We'll see more and more agents dropping out for the promise of a regular paycheck and stability, but those of us remaining in the industry know our determination and the support of our clients will bring about fruition.
We're here to help and we're not going anywhere!
Thursday, October 11, 2007
Property Tax info........
From the Florida Association of Realtors:
With the removal of Amendment 1 from the ballot on January 29th, the Governor and Legislature are working to get a new proposal ready for the ballot during the Special Session that has been prolonged through October 22nd. The phase-out of Save Our Homes and the Super-Homestead Exemption portion of that amendment appear dead.Proposals, ideas, and press conferences are at a breakneck pace on the property tax issue this week. The Governor has outlined a plan and is personally asking Legislators to vote for it during special session next week. You can read his proposal in bill form here: Gov Crist language. His proposed constitutional amendment, which he wants the voters to see on January 29th, 2008, would:
- Double the homestead exemption to $50,000 (though school board taxes would stay exempt at $25,000) that would increase with CPI each year
- Offer a blanket 25% homestead exemption for owners of homestead properties who have never owned homestead property in Florida- Allow unlimited statewide portability of Save Our Homes exemption to homesteaders (excluding the school board tax portion) by allowing the full amount to be carried to the next homestead if buying up; if buying down the new assessed value would be equal to the old homestead's assessed value to market value ratio
- Exempt the first $25K of the tangible personal property taxes paid by businesses and mobile home owners- Apply an across-the-board revenue cap on local governments, including property taxes (already in law), and collection of almost all fees and taxes - including impact fees, local business taxes, utility fees, and licenses. This will provide additional protection across the board for all property owners.
- Equals $6.3 billion in savings over 5 years statewide
That is how the plan is laid out now, but again - much is subject to change over the next few days. Governor Crist seems open to exempting a higher portion of a homestead property value, and he's mentioned the third tier, from $50K - $75K. This issue was specifically mentioned as an alternative in discussions between John Sebree and top aides to Governor Crist today.
The Senate plan will be unveiled later this week, but through our meetings with top legislators and staff we've learned that it will likely:
- Offer statewide portability of a limited amount of Save Our Homes savings, and have it limited over time. EXAMPLE: John Smith ports $200,000 in savings value to his next homestead, but every year his assessed value will rise by 8% (no matter what), and eventually (after 12-15 years) raising his assessed value to his purchase price. At that point, his assessed value reverts back to the Save Our Homes value of 3%. The Senate claims that this is a federal constitutionally-sound method of providing portability.
- Offer a 50% homestead exemption to owners of homestead properties who have never owned homestead property in Florida, and have that phase out over 5 years OR offer a larger homestead exemption of $50,000 that phases out over 5 years (and leaves them with a $25,000 exemption). This may ONLY apply to homes bought at or below median home price in the area.- Exempt the first $25K of the tangible personal property taxes paid by businesses and mobile home owners- Allow for assessment changes for working waterfront properties
- A non-homestead and commercial assessment cap (similar to Save Our Homes) at 8 or 10 percent maximum per year
Again, we will know more specifics in the coming days, but we're fairly confident that this will be the crux of the Senate proposal.The House plan will be unveiled later this week as well, but we've learned the following today:
the House Republicans want more dollar savings ($3 billion), and while not completely agreeing with all concepts the Governor has laid out, want the following to be included as well:
- Total elimination of property taxes for low income seniors
- Targeted relief for affordable housing
- Targeting relief for working waterfront properties
- Additional property tax relief for property owners making energy efficient improvements to homestead and non-homestead owners
- Eliminate the "presumption of correctness" of local property appraisers, and make the Miami-Dade Property Appraiser an elected - rather than appointed - position
Both the House and Governor insist that this is not the end of tax reform in any case, but the Senate is sending messages that they want to end most property tax reform talk until 2009 if a ballot proposal in January passes. There is also some concern around Tallahassee that the House may throw up their hands and not be able to come to any agreement with the Senate on a ballot property tax reform measure. Several FAR lobbyists are having lunch with Speaker Rubio tomorrow, and we'll know more details on the House position after that meeting.
With the removal of Amendment 1 from the ballot on January 29th, the Governor and Legislature are working to get a new proposal ready for the ballot during the Special Session that has been prolonged through October 22nd. The phase-out of Save Our Homes and the Super-Homestead Exemption portion of that amendment appear dead.Proposals, ideas, and press conferences are at a breakneck pace on the property tax issue this week. The Governor has outlined a plan and is personally asking Legislators to vote for it during special session next week. You can read his proposal in bill form here: Gov Crist language. His proposed constitutional amendment, which he wants the voters to see on January 29th, 2008, would:
- Double the homestead exemption to $50,000 (though school board taxes would stay exempt at $25,000) that would increase with CPI each year
- Offer a blanket 25% homestead exemption for owners of homestead properties who have never owned homestead property in Florida- Allow unlimited statewide portability of Save Our Homes exemption to homesteaders (excluding the school board tax portion) by allowing the full amount to be carried to the next homestead if buying up; if buying down the new assessed value would be equal to the old homestead's assessed value to market value ratio
- Exempt the first $25K of the tangible personal property taxes paid by businesses and mobile home owners- Apply an across-the-board revenue cap on local governments, including property taxes (already in law), and collection of almost all fees and taxes - including impact fees, local business taxes, utility fees, and licenses. This will provide additional protection across the board for all property owners.
- Equals $6.3 billion in savings over 5 years statewide
That is how the plan is laid out now, but again - much is subject to change over the next few days. Governor Crist seems open to exempting a higher portion of a homestead property value, and he's mentioned the third tier, from $50K - $75K. This issue was specifically mentioned as an alternative in discussions between John Sebree and top aides to Governor Crist today.
The Senate plan will be unveiled later this week, but through our meetings with top legislators and staff we've learned that it will likely:
- Offer statewide portability of a limited amount of Save Our Homes savings, and have it limited over time. EXAMPLE: John Smith ports $200,000 in savings value to his next homestead, but every year his assessed value will rise by 8% (no matter what), and eventually (after 12-15 years) raising his assessed value to his purchase price. At that point, his assessed value reverts back to the Save Our Homes value of 3%. The Senate claims that this is a federal constitutionally-sound method of providing portability.
- Offer a 50% homestead exemption to owners of homestead properties who have never owned homestead property in Florida, and have that phase out over 5 years OR offer a larger homestead exemption of $50,000 that phases out over 5 years (and leaves them with a $25,000 exemption). This may ONLY apply to homes bought at or below median home price in the area.- Exempt the first $25K of the tangible personal property taxes paid by businesses and mobile home owners- Allow for assessment changes for working waterfront properties
- A non-homestead and commercial assessment cap (similar to Save Our Homes) at 8 or 10 percent maximum per year
Again, we will know more specifics in the coming days, but we're fairly confident that this will be the crux of the Senate proposal.The House plan will be unveiled later this week as well, but we've learned the following today:
the House Republicans want more dollar savings ($3 billion), and while not completely agreeing with all concepts the Governor has laid out, want the following to be included as well:
- Total elimination of property taxes for low income seniors
- Targeted relief for affordable housing
- Targeting relief for working waterfront properties
- Additional property tax relief for property owners making energy efficient improvements to homestead and non-homestead owners
- Eliminate the "presumption of correctness" of local property appraisers, and make the Miami-Dade Property Appraiser an elected - rather than appointed - position
Both the House and Governor insist that this is not the end of tax reform in any case, but the Senate is sending messages that they want to end most property tax reform talk until 2009 if a ballot proposal in January passes. There is also some concern around Tallahassee that the House may throw up their hands and not be able to come to any agreement with the Senate on a ballot property tax reform measure. Several FAR lobbyists are having lunch with Speaker Rubio tomorrow, and we'll know more details on the House position after that meeting.
Tuesday, October 9, 2007
No fees, please........
With mortgage rates still as low as they are, financing a house is dirt cheap these days, right?
Not if you pay a fortune in closing costs.
As anyone who has shopped around for a mortgage knows, it's extremely difficult to compare one lender's offering to with that of another lender because the up-front fees vary so much and are not guaranteed. Lenders and their venders can, and sometimes do, add or inflate fees in the eleventh hour of a transaction.
The U.S. Department of Housing and Urban Development (HUD) has been working on regulations that promise to simplify the mortgage process and save consumers as much as $1,000 off a typical mortgage transaction. When such rules will be rolled out, if ever, is still anyone's guess.
With no regulation in sight, borrowers should consider these strategies for keeping their closing costs in check.
Get friendly with your current lender.
If you're looking into refinancing, the first call you should make is to your existing lender, who already has critical information about you and your house on file, said Keith Gumbinger, vice president for HSH Associates.
Since you have an existing relationship, a "streamlined" process might be possible. That can save you a lot of extra paperwork and money on everything from application fees to appraisal fees.
Fee-ed Up?Here are just some of the costs of closing on a mortgage.
Application
$272
Appraisal
$310
Credit report
$28
Document preparation
$206
Processing
$288
Recording
$86
Underwriting
$236
*Based on a $100,000 loan. Not every lender surveyed charges all of these fees.
Source: HSH Associates December 2003 survey of lenders
Although fees for title search and title insurance are not determined by the lender, you may also get a break there. If you recently refinanced or took out a loan, you can save as much as 50 percent on title insurance by asking for a reissue rate, which your lender can request on your behalf.
If you're a homeowner shopping for a new house, you should also try giving your existing lender first dibs on the new business. Assuming you've been a good client and your lender originates the kind of mortgage you're interested in, it's possible to get a better-than-market deal, according to Gumbinger.
Get nitpicky about fees...
There are more than a dozen kinds of fees that could show up on your final closing statement, including credit report fees, appraisal fees, document preparation fees, title fees, recording fees and underwriting fees.
All told, fees on a $200,000 mortgage could add up to anywhere from $1,000 to $3,000 – that's not including any "discount" points you pay up front to get the best interest rate. (A "point" is a fee that equals 1 percent of the loan amount.)
Lenders are required to give you a good-faith estimate of your closing costs within three days after you apply for a loan. Some will give you such an estimate even before you apply if you ask for one. Even if it is no guarantee, this written estimate will give you an idea of what kind of fees you can expect to pay, as well as an opportunity to negotiate for a better deal.
"If you're a good credit borrower you can challenge fees if they seem excessive," said Gumbinger, noting that lenders don't control many fees that show up on your statement.
Keep in mind that the good faith estimate doesn't include such out-of-pocket costs as state mortgage taxes, homeowners insurance and property taxes, which you may be expected to pay at the time of closing. In fact, your total tab at closing could be several times more than originally estimated, said Gumbinger.
... but keep the big picture in view
Closing costs are certainly a consideration for both new loans and refinancing. But it's important to not lose sight of what should be your first priority – getting the lowest rate possible.
Indeed, the difference between paying, say, 6 percent and 5.5 percent on a new loan adds up to nearly $23,000 in total interest on a $200,000 30-year loan. If you have to pay a few hundred dollars in closing costs to get that rate, you can rest assured that it is a worthy investment.
It may even be worth it to pay a point or so up front in order to lock in the lowest rates. Let's say that you'll knock your rate down to 5 percent on that $200,000 loan by paying an extra point ($2,000) up front. Considering that you'll cut $62 off your monthly payment and about $22,000 from total interest by going from 6 percent to 5.5 percent, it makes sense as long as you plan to stay in the house long enough to recoup those up front costs.
In fact, if you're short on cash you might even consider rolling the closing costs into your loan, if that is an option. You'll want to consider how much more you'll pay each month as well as in interest over the life of a loan.
If you roll $2,000 in finance costs into a loan with a 5.5 percent rate, for example, you'll pay an extra $11 a month and about $2,000 extra in total interest. In this case you're still better off than if you had not refinanced at all.
Not if you pay a fortune in closing costs.
As anyone who has shopped around for a mortgage knows, it's extremely difficult to compare one lender's offering to with that of another lender because the up-front fees vary so much and are not guaranteed. Lenders and their venders can, and sometimes do, add or inflate fees in the eleventh hour of a transaction.
The U.S. Department of Housing and Urban Development (HUD) has been working on regulations that promise to simplify the mortgage process and save consumers as much as $1,000 off a typical mortgage transaction. When such rules will be rolled out, if ever, is still anyone's guess.
With no regulation in sight, borrowers should consider these strategies for keeping their closing costs in check.
Get friendly with your current lender.
If you're looking into refinancing, the first call you should make is to your existing lender, who already has critical information about you and your house on file, said Keith Gumbinger, vice president for HSH Associates.
Since you have an existing relationship, a "streamlined" process might be possible. That can save you a lot of extra paperwork and money on everything from application fees to appraisal fees.
Fee-ed Up?Here are just some of the costs of closing on a mortgage.
Application
$272
Appraisal
$310
Credit report
$28
Document preparation
$206
Processing
$288
Recording
$86
Underwriting
$236
*Based on a $100,000 loan. Not every lender surveyed charges all of these fees.
Source: HSH Associates December 2003 survey of lenders
Although fees for title search and title insurance are not determined by the lender, you may also get a break there. If you recently refinanced or took out a loan, you can save as much as 50 percent on title insurance by asking for a reissue rate, which your lender can request on your behalf.
If you're a homeowner shopping for a new house, you should also try giving your existing lender first dibs on the new business. Assuming you've been a good client and your lender originates the kind of mortgage you're interested in, it's possible to get a better-than-market deal, according to Gumbinger.
Get nitpicky about fees...
There are more than a dozen kinds of fees that could show up on your final closing statement, including credit report fees, appraisal fees, document preparation fees, title fees, recording fees and underwriting fees.
All told, fees on a $200,000 mortgage could add up to anywhere from $1,000 to $3,000 – that's not including any "discount" points you pay up front to get the best interest rate. (A "point" is a fee that equals 1 percent of the loan amount.)
Lenders are required to give you a good-faith estimate of your closing costs within three days after you apply for a loan. Some will give you such an estimate even before you apply if you ask for one. Even if it is no guarantee, this written estimate will give you an idea of what kind of fees you can expect to pay, as well as an opportunity to negotiate for a better deal.
"If you're a good credit borrower you can challenge fees if they seem excessive," said Gumbinger, noting that lenders don't control many fees that show up on your statement.
Keep in mind that the good faith estimate doesn't include such out-of-pocket costs as state mortgage taxes, homeowners insurance and property taxes, which you may be expected to pay at the time of closing. In fact, your total tab at closing could be several times more than originally estimated, said Gumbinger.
... but keep the big picture in view
Closing costs are certainly a consideration for both new loans and refinancing. But it's important to not lose sight of what should be your first priority – getting the lowest rate possible.
Indeed, the difference between paying, say, 6 percent and 5.5 percent on a new loan adds up to nearly $23,000 in total interest on a $200,000 30-year loan. If you have to pay a few hundred dollars in closing costs to get that rate, you can rest assured that it is a worthy investment.
It may even be worth it to pay a point or so up front in order to lock in the lowest rates. Let's say that you'll knock your rate down to 5 percent on that $200,000 loan by paying an extra point ($2,000) up front. Considering that you'll cut $62 off your monthly payment and about $22,000 from total interest by going from 6 percent to 5.5 percent, it makes sense as long as you plan to stay in the house long enough to recoup those up front costs.
In fact, if you're short on cash you might even consider rolling the closing costs into your loan, if that is an option. You'll want to consider how much more you'll pay each month as well as in interest over the life of a loan.
If you roll $2,000 in finance costs into a loan with a 5.5 percent rate, for example, you'll pay an extra $11 a month and about $2,000 extra in total interest. In this case you're still better off than if you had not refinanced at all.
Saturday, October 6, 2007
Stop Foreclosure..............
We have all heard about the increasing number of foreclosures occurring not only in the nation, but in Florida specifically.
WE CAN HELP YOU STOP FORECLOSURE PROCEEDINGS!
The term "Short Sale" has been tossed around the media as of late, and it's a way for people to stop the foreclosure of their home, and get out of the hole they are in relatively unscathed.
It takes a real estate professional who is skilled at negotiation with the lender, marketing a home properly and who knows the required legal paperwork involved.
WE ARE THOSE PROFESSIONALS.
We are excited to be able to help those people who have found themselves in this unfortunate circumstance. If you are in danger of foreclosure, or you know someone who is ANYWHERE in ANY STATE, contact us immediately. We must work quickly to get the process started.
We have Certified Short Sale Specialists on our team, and we're here to help. Your situation and the issues surrounding it are totally confidential, but you must act quickly to take advantage of the help we are offering.
I wish you a successful and stress-free weekend.
WE CAN HELP YOU STOP FORECLOSURE PROCEEDINGS!
The term "Short Sale" has been tossed around the media as of late, and it's a way for people to stop the foreclosure of their home, and get out of the hole they are in relatively unscathed.
It takes a real estate professional who is skilled at negotiation with the lender, marketing a home properly and who knows the required legal paperwork involved.
WE ARE THOSE PROFESSIONALS.
We are excited to be able to help those people who have found themselves in this unfortunate circumstance. If you are in danger of foreclosure, or you know someone who is ANYWHERE in ANY STATE, contact us immediately. We must work quickly to get the process started.
We have Certified Short Sale Specialists on our team, and we're here to help. Your situation and the issues surrounding it are totally confidential, but you must act quickly to take advantage of the help we are offering.
I wish you a successful and stress-free weekend.
Wednesday, October 3, 2007
Wednesday musings........
Bear with me.
Today is a great day for you. Today is the day you are going to feel like you're on FIRE, that you can't lose. As the great (I love her) Stevie Nicks says "what I seem to touch these days just turns to gold".
I say this because consumer confidence (or lack thereof) seems to be the problem in the real estate market and I want you to know it's OK. These things happen. But the dark clouds have lifted, and enough people care about this market correction and avoiding a recession that there is plenty of help out there for buyers and sellers. There are tons of competent professionals waiting to assist, to guide and to nurture your decision.
So let's all remember that today is a GREAT day.
Happy Wednesday.
Today is a great day for you. Today is the day you are going to feel like you're on FIRE, that you can't lose. As the great (I love her) Stevie Nicks says "what I seem to touch these days just turns to gold".
I say this because consumer confidence (or lack thereof) seems to be the problem in the real estate market and I want you to know it's OK. These things happen. But the dark clouds have lifted, and enough people care about this market correction and avoiding a recession that there is plenty of help out there for buyers and sellers. There are tons of competent professionals waiting to assist, to guide and to nurture your decision.
So let's all remember that today is a GREAT day.
Happy Wednesday.
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