8 minute read
Cover Story Sharon Wofford
the ELEMENT
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in Mortgage Lending
2019 QUARTERLY EDITION
UPGRADES
Small things to add value to your HOME quickly
Staying Active in the
COMMUNITY
DRESS THE TABLE FOR HOLIDAYS
for pennies on the dollar
BENEFITS OF
A NEW HOME
TOP PRODUCER DELIVERS EXCELLENCE
and clients rave about process
COVER STORY Sharon Wofford:
Mortgage Branch with as much style as the service!
1 | www.elementfunding.com
About Sharon
Throughout her 30+ years in the mortgage industry, Sharon C. Wofford has worked with an array of clients with a wide variety of needs. She is knowledgeable about all loan products and has a passion for helping homebuyers achieve sustainable homeownership by matching them with the best financing. Over the years, Sharon has built a reputation for successfully bringing even the most challenging loans to the closing table, and for counseling her clients to help them make their homeownership dreams become reality.
Sharon C. Wofford Branch Manager NMLS# 582336
Sharon has been honored with several awards throughout her career, and in addition to her professional involvement in the local Board of Realtors, Chamber of Commerce and other organizations, she enjoys serving the youth of her community through involvement in youth missions, middle and high school sports organizations, and the School Advisory Council.
As a branch manager, Sharon is available to her customers seven days a week and strives to provide superior customer service throughout the entire mortgage process. When working with Sharon, you can rest assured knowing that your mortgage is in good hands, and you can count on her to provide the same level of attentive, professional and ethical service to friends and family.
While her expertise includes all types of mortgage products, Sharon specializes in conventional, FHA, VA and USDA loans. She’s also very familiar with financing options for manufactured homes and is a great resource for first-time homebuyers. Whatever your mortgage needs, Sharon looks forward to putting her expertise to work for you!
2 | www.elementfunding.com
Meet our Team
Sharon works with an elite team of experts on the mortgage process and experience for our clients. Element Funding has a team that specialize in specific functions during and after the process for clients to deliver above the standard of service in the industry.
Zucchini Casserole
Recipe
Ingredients
• 2 lbs zucchini
• 8 oz. sour cream
• 1 cup shredded carrots
• 1 cup water
• 1/4 cup onion
• 1 can cream of chicken soup
• 1 package (12 oz.) Pepperidge Farm herb seasoned cubes)
• 1/2 cup melted margarine (1 stick)
Gus Pasquale | FL
Directions:
Cook peeled/cut up zucchini with carrots, water and onion in microwave until soft. Approx 5 min total. Do in intervals and stir.
Drain extra liquid from above.
Mix cubes, margarine, sour cream, soup and zucchini mixture together.
Heat in 350° F oven or in microwave for 30-45 minutes.
Debbie Farist
Loan Processor
Katherine E. France
Mortgage Originator
Baked Ham Cheese Sandwiches
Recipe
Ingredients
• 2 pkgs. party rolls (heat & server Parker House)
• 1 8 oz. pkg. sliced ham
• 1 8 oz. pkg. Swiss cheese Melt & bring to boil:
• 2 stks. Margarine
• 2 tblsp. Worchestershire sauce
• 2 tblsp. Poppy seeds
• 2 tblsp. prepared mustard
• 4 tblsp. brown sugar Set aside to cool
Directions:
Slice sideways through rolls. Separate rolls. Make sandwiches with ham & cheese (cut the meat & cheese into sizes to fit the rolls) Put into pan side by side. Spoon sauce over rolls. Refrigerate 2 hours or overnight (covered).
Bake in 350° F for 25 minutes covered. 5 minutes uncovered.
Kelly Waldo | GA
3 | www.elementfunding.com
Active in the Community
1. Presenting a check to Ferst Readers of Pickens County as a result of our social media “likes=$1” campaign, wherein all of our closing posts rhymed
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2. .5K (yes, that’s a POINT 5k) for Reinhardt College’s annual Shamrock Run
3. Sponsoring a table for the First Baptist Church of Jasper pre-school tea party
4. Volunteering with the Pickens County Board of Realtors to help clean up a veteran’s yard.
5. Marble festival 5k race
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Our Office
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1, Our first closing in our new office
2. Building our wall in our conference room
3. T-shirt spotlight with the Pickens County Chamber of Commerce
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4. Custom cookies for our grand opening in spring of 2019
5. Outside shot of new office
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7 | www.elementfunding.com
Should I just stay?
Thought about moving? Then thought, maybe if we just did _____________ it would beperfect to stay? Well we havesome great options on homeimprovements or rehabilitationfinancing. It doesn’t alwayshave to be a huge projectbut think about what youare planning, will it reflect inmy value? One of the majorpoints of any rehab work to aproperty is to make sure thatyou know the cost and youknow the outcome. Meaningwe often will recommendgetting an appraisal completed“subject to” what you plan toimprove (ie: new kitchen, newbath). I like to call it a “what if”appraisal. You simply get thecost for the work to be doneand the plans to complete itwith the contractor, then weorder the appraisal. We arelooking for the “what if we dothis to the home” value andwe want to make sure yourinvestment is strong. Meaningwhat do we need to put in andwhat will be a direct influenceto the value. Some of theoptional items to have a directimpact on the value are:1. Landscaping2. Bedroom conversion3. Lower level basement
completed4. Window replacements5. Bathrooms6. Kitchen remodel
Here is a recent remodel examples range between project for a new kitchen $6,000 and $30,000. We have that was a direct increase in programs that allow for up to saleability as well as the value $30,000 plus improvements. for the investment return. The As an example if you added cost to complete the kitchen $30,000 to your mortgage the upgrade was completed for payment is as low as $170 per approximately $6000. The month. For more details please cost to complete the below contact Element Funding.
Before
Before
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After
After
