HOME HOLIDAY HIGHLIGHTS The best dishes for holiday gatherings
ANNUAL REVIEWS
Learn how to maximize exposure and teamwork
A yearly service that saves thousands
BENEFITS OF A NEW HOME
MORTGAGE RATES
CORRECT PRICING SELLS!
Finance planning to save thousands.
MARKETING YOUR HOME
Staging, Photos, Videos 1 | www.elementfunding.com
MISSION STATEMENT Working together to create an exceptional experience for our clients and building relationships along the way! Many agents think their most important job is satisfying the customer. We don’t think that’s true. We believe that satisfying the customer is the minimum requirement for staying in business. Our systems, process and services go well beyond the standard level of service provided by most agents. Simply put, our objective is to get you the most money in the least amount of time, with the fewest hassles. We want to provide the BEST service in the industry. Period! We want to make you so satisfied that you listed your home with us that you will confidently refer us to your friends and family.
Service Beyond Expectations
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About LePage Johnson When you hire LePage Johnson Realty Group you are not just hiring your lead Listing Agent, you are hiring our company. A company’s culture reflects how their clients are treated and the quality of Service it delivers. QUALITY makes a difference. Craig LePage
Shelley Johnson
We have over 200 “5 Star Reviews” from past clients! Qualities and Statistics that make us stand apart from the competition: Our team was carefully built with professionals of high character, high standards, honesty, integrity and an “always do the right thing” approach. We truly are passionate about real estate and love what we do. Year after year LJR is a top producing, award winning team in the Carolinas. LJR is respected in the Charlotte market as a leader in marketing and is often emulated by other top producing companies and teams. We are a full service business, not a single agent or agent with an assistant trying to operate as a full service business.
About Your Team • A top producing team annually each of the last four years. • 2017 Production – 115 transactions and $78 million in sales • Charlotte’s #1 real estate internet presence • Charlotte’s leader in real estate marketing technology (we teach other agents)
Why are we with eXp Realty? • eXp Realty is the fastest growing real estate company in North America! • eXp Realty will have the largest market share in Charlotte and Lake Norman • eXp Realty is ahead of the curve with state of the art technology and cloud systems • eXp Realty matches the values and high standards of LePage Johnson Realty
What does this all mean? Your highly effective team has surrounded themselves with highly qualified, passionate professionals who have great values that offer the highest level of quality service and results.
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A check up can save you thousands… M
ost homeowners miss the benefit of the lender who doesn’t provide a yearly service called an Annual Review. Let me explain, we visit the dentist every 6 months for a cleaning and a checkup. We take our car in for an oil change every 4-6 months….why wouldn’t our biggest investment have a similar check up? Well, that is simple! Most lenders
are focused on the purchase and only that. While we have learned things change, expenses change, and goals change for most homeowners. So, at Element Funding we have designed a program that not only takes care of you on the purchase of a home but manages the debt on your home year after year.
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Annual Check Up
Each year, on the mortgage anniversary we want to review the mortgage and goals. Our clients simply provide our team the most recent mortgage statement on the home. It also doesn’t matter where you are making your payment (they are called the servicer) we are still your Lender for Life. Once we receive the mortgage statement we have a quick
checklist to complete. We discuss any monthly cash flow changes, upcoming expenses, investments into the home since the last review and some other factors. We then review the potential equity position you were at a year ago and what you are at today. Next, we look to better the terms of the financing. Sometimes we can make it better but other times we are able to save in other areas like home insurance or PMI (private mortgage insurance). These and other factors such as the loan to value ratio (CLTV) and credit score ratings. If all is good, we roll on and check back again next year…but if we can save or assist in additional services we complete a comparison for your review before and after. Please also be aware that some loans when you return for your purchase can be obtained with no closing costs. If you would like your review completed ahead of schedule please just let us know, we would be happy to assist. Furthermore, because most lenders don’t offer this important checkup, we would be happy to extend the service to any friend or family member. Article provided by Element Funding
Lynn’s Raspberry Holiday Coffee Cake
Recipe Ingredients
• 1 3 oz. package cream cheese • 4 tablespoons of butter • 2 cups Bisquick • 1/3 cup milk • 1/2 cup raspberry preserves • 1 cup sifted confectioners sugar • 1 to 2 tablespoons milk
Directions:
ter into Bisquick. Mix Cut cream cheese and but 1/3 cup of milk. Turn on until crumbly. Blend in the 10 stokes. On wax paper floured surface. Knead 8 to tangle. Turn on greased roll down to 12 x 8 inch rec ves down center. Make baking sheet. Spread preser rvals. Fold strips over 2.5 inch cuts at one inch inte filling. 425° F for 12 - 15 minutes n drizzle over cake.
Combine sugar and milk the
Steve Kinzler | NC
Christmas Monkey Bread
Recipe Ingredients
Directions:
• 24 oz frozen dinner roll dough The night or several hours before, grease and flour a 9 • 1 cup packed brown sugar or 10 inch tube pan. Mix brown sugar & pudd ing mix • 1 (3.4 oz) package of instant together. Mix white sugar and cinnamon together. Place butterscotch pudding (I used sugar the frozen rolls in pan, a layer at a time. Sprin kle brown free) sugar & pudding mix over the first layer of rolls . Sprinkle • 1/4 cup white sugar sugar and cinnamon mixture over the brow n suga r& • 2 tsp of ground cinnamon pudding mix. Spread half of the nuts and melted butter • 1/2 cup chopped walnuts or pecans over the first layer. Repeat with the next layer. • 1/2 cup melted butter
Angela Roche | NC 5 | www.elementfunding.com
Place on counter overnight. Do not cover. Next morning bake in a preheated 350 degrees oven for 30 minutes. Let stand a few minutes and turn pan over onto serving platter.
The benefits of a BRAND NEW HOME are plentiful. W
hen buying a home there are two choices one has to make, a brand new home or a resale. As my career spans it’s third decade I have guided thousands of clients through the mortgage process to acquire a brand new home or a resale. DESIGNING THE HOME AS YOU WISH. The benefit of starting from scratch, your vision, your lay out, your elevations and your bathrooms . Whether you are building custom or building with a larger national builder you get to make the selection of your options and upgrades. You will not inherit the previous owners choices which you may be changing out once you close and incurring a cost to do so. A FRESH START If your moving from a resale into a new home you are the first to use that new kitchen, and first to park the car in the garage. No repainting, no re-flooring and no re-landscaping. Older homes have older appliances, older electric
installation and older plumbing that could need repair on your watch. New homes will facilitate current technological advancement with wiring, sophisticated lighting options and last but not lease security systems. In addition to which many if not all come with a builder warranty that will protect defects. Typically 2 years for many items and 10 years for structural defaults. STRUCTURAL SAFETY In the span of 30 years I have seen devastating storms throughout the regions we serve in the southeast Unites States. 6 | www.elementfunding.com
In each of those occurrences there has been significant improvement to the building codes making new home enhancements not available in older homes. Homes being built today are the safest homes available in the marketplace. GOING GREEN Builders now are incorporating the world wide initiative of going green to the design of their homes. Many homes being certified by green building coalitions in the markets they serve.
These new homes strive to reduce the ecological impact while maximizing sustainability to create efficient and healthy environments. Focus points of lower utilities, efficient water usage, maximum insulation, zero voc paints, echo friendly floors, and the usage of solar power. A new home community offers just that~ a sense of community. Many new construction homes are part of a Planned Urban Development (PUD) where the builder has incorporated a vision of a community lifestyle. This offers homeowners instant access to many things not offered in an older home. Typically they include guarded access, bike/hike trails, community fitness center/ clubhouse, tennis courts and more. These popular amenities and built in benefits only enhance the sense of community while enhancing the interaction of the neighborhood.
5 Ways to Dress the Holiday Table
On a Budget!
CREATE A THEME
r
Pick something like ‘pumpkins’ or ‘a colo scheme’ and stick with it!
BE CREATIVE
Use new things but mix in some old such antique candlesticks
as
USE A VARIETY OF GREENERY AND LEAVES To give the table a unique look and fill in
blank spaces
DON’T BE AFRAID TO PAINT!
like, A lot of time you can see something you but wrong color scheme that may be an easy fix.
BE SURE TO CHANGE THE HEIGHT
Have multiple items that give the display using different sized decor
Thinking about buying a new home? We are subject market experts please allow us to be your mortgage resource! Article provided by Element Funding
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height
Marketing Brochures
Technology Focus MOBILE ENABLED WEBSITE Potential buyers can search for your home or gain additional information from their cell phone.
DIGITAL VIDEO MARKETING Your Property Virtual Tour will be loaded on YouTube for Online Marketing Exposure.
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Digital Media 1 SOCIAL MEDIA | WEBSITE
Digital Media 2 YOUTUBE | BLOGS NEIGHBORHOOD PROFILES
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Pay off Your Mortgage Early...Yes or No? There are smart people that argue both sides of this question. Who is right depends on your financial goals and perspective. Before looking at their positions, let’s take a reality check and look at societies push to program us, (consumers), to purchase things, including homes. It begins with a philosophy that we deserve what we want. Unfortunately, not everyone deserves to be a homeowner. Sounds harsh, but buyers need to demonstrate the ability and responsibility of managing debt before taking on a mortgage. Ability simply refers to a regular monthly cash flow. This can be from a job, annuity, pension, social security, or another source that is regular and expected to continue in the future. Responsibility refers to paying debts timely. We are told that the amount of the debt is not important, but
rather the monthly payment is your measuring stick. In other words, if you can “afford” the payment, then you can buy it. With home purchases, buyers often stretch to a higher price than they can comfortably afford, and then package it in a 30-year mortgage. There’s no thought of paying the debt off. In fact, if a 50-year mortgage was available, I’m sure it would be preferred. We’ve seen this in auto sales. What was norm to payoff in three years, today, the average new car loan is more than five-and-a-half years. There is little thought of future ramifications of today’s purchases and the concept of delayed gratification is framed as “old-school thinking.” This is witnessed with first home buyers. They often move out of their parents’ home with their sites on homes, at or above their parent’s lifestyle. Too often, people purchase emotionally from an illogical framework. 10 | www.elementfunding.com
You ask, who are those that suggest this philosophy? It’s the very people that benefit from the purchases...the sales and marketing arms of companies. They want you to purchase high and finance. Most of us have bought into this view– why? Because it’s empowering, it’s fun, and after all, we deserve it! Too often, we over leverage tomorrow with today’s temporary pleasures; but, isn’t a home an asset? Not if it doesn’t fit within a budgeted financial plan. Ask the thousands of people that over-extend each year on home purchases, only to find themselves facing foreclosure. It’s said that we spend money we don’t have, to impress people that we don’t know...which is true. Even more true, is that we simply don’t understand basic financing and money management. We take our lead from others that are preying on our lack of understanding or knowledge.
I speak like I know these consumers and I have been until recently. Debt, credit, leveraging, and fairy dust... these are the pillars that hold up this philosophy. It’s a house of cards.
So, what should you do when you want to purchase a home? 1) Identify a financial budgeting program that dumbs down the hocus pocus of the financial options into simple truths. I like Dave Ramsey’s Financial Freedom course because it includes the spiritual aspect; but no matter your beliefs, the principles are solid. There are many programs available, but please beware and check them out. A good place to start would be a reputable church. Most can provide several programs to consider. 2) All good finance programs will help you understand how to develop a budget that is driven by your cash flow. Your determined budget will help you identify your monthly housing payment goal. 3) Choose a trusted mortgage professional that will guide you through the process with your interest in mind. All lenders are not created equally! In fact, let me toot our horn for a moment. We have access to more loan structures than most lenders.
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)
Directions:
Cook peeled/cut up zucchini with carrots, water and onion in microwave until soft. stir. Approx 5 min total. Do in intervals and 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.
Gus Pasquale | FL
Baked Ham Cheese Sandwiches
Recipe Ingredients
• 2 pkgs. party rolls (heat & server Parker Ho use) • 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
Kelly Waldo | GA
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Directions:
Slice sideways through roll s. Separate rolls. Make sandwiches with ham & cheese (cut the meat & cheese into siz es to fit the rolls) Put into pan side by side. Sp oon sauce over rolls. Refrigerate 2 hou rs or overnight (covered). Bake in 350° F for 25 min utes covered. 5 minutes uncovered.
once you invest money into your home, those funds are gone and cannot be used for other purposes, unless you take out a mortgage.
You need to know all options to choose the best plan for you. The one that accomplishes your goals both short and long term. Special care should be made, because an unwise structure with this large purchase, can cripple you financially. 5) Provide your lender with your payment goal, funds available to purchase, how long you plan to live in the new home, and your purchase timing. They will provide you loan structures that accomplish your goals. They should provide you different term options to pay off the mortgage sooner, showing the positives and negatives of doing so. Sometimes you will need to adjust your budget as your appetite may be bigger than what you can eat financially. 6) After identifying a realtor, give them your price range along with a list of things you require in your home purchase.
7) Let’s fast forward. You’ve found the perfect home within your budget, contracted, inspected, cleared underwriting conditions, received a good appraisal, closed, and now you are the proud owner of YOUR OWN HOME! Now the question is, do you pay off your mortgage early, or make the minimal monthly payments?
Camp NO, says you should not pay off your mortgage, because: 1) Your mortgage is your biggest tax write-off. You save money by having the write off. It is true that a mortgage in the front part of the loan term provides a lot of interest deduction, because that’s mostly what you are paying. However, you can get the same deduction by contributing to your favorite non-profit cause. 2) If you paid off your mortgage, you would experience a loss of opportunity. This means that
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3) They say it does not make sense financially to payoff the mortgage, because the interest rate is typically lower than what can be expected in investments earnings. This is one reason why most financial planners suggest putting your money into the market, that it is the quickest route to creating wealth. Don’t forget that that’s how they make commissions. 4) Lastly, it’s important to have access to reserve funds to protect your lifestyle from reduced income or unexpected expenses. Reserves become your lifestyle insurance. Valid point, however, you can generate reserves no matter what mortgage strategy you choose.
Camp YES...says to payoff your mortgage ASAP. 1) They point to the security of owning your home. I once asked a friend who purchased a home with cash, why? This was because I once believed that having a mortgage was an advantage. He said, “Once it’s paid for, it’s ours and no one can take it away.” For this person, a home carries with it emotional ties and often, family roots. There is no price that can be placed on a home’s security, peace of mind, and stability. According
to ATTOM Researchers and the Urban Institute, 34% of American homeowners or nearly 30,000,000 people, do not have a mortgage. Many of them paid cash and never had a mortgage.
Pimento Cheese
2) Lack of stress. If you are a debtor, what you have is always in jeopardy, unless you have savings or investments that can be liquidated to pay off the debt. 3) Less debt provides more funds for other things, such as funding retirement, income generating investments, or lifestyle activities. 4) You still have the tax benefits of a mortgage, but instead of paying the mortgage company, you donate to your favorite non-profit cause.
Let’s assume you decide to payoff your mortgage. How do you do this? • Lottery: Not a great return on your investment but isn’t it fun to think about...after all, someone does win. Let’s get back to reality... • Biweekly Mortgage Payments: This concept teaches you to make half your mortgage payment every twoweeks. The result is that you make an extra payment each year which potentially, can remove 8-years off a 30-year mortgage. To setup, contact your mortgage service provider to verify they will accept half-payment. If they do not, simply open a new bank account and deposit your half-payment every two weeks and use this account to pay your mortgage. In time, you will have enough for an extra payment. • Extra Payment Each Quarter: This will reduce your 30-year mortgage approximately 11-years. • Accelerate Payments: Let’s assume you have a 30-year mortgage. Determine when you want to pay off the mortgage and contact your mortgage servicer. Ask them to provide an amortization schedule with the payoff date you specify. You will see exactly how much extra you need to include with each payment to accomplish your goal. • Invest Your Windfalls: When you receive a bonus, gift, or any unexpected windfall, simply direct it to the principle of your mortgage. You will be surprised just how quickly you can pay it off with regular effort. • Refinance: The typical reasons to refinance include
Recipe Ingredients
ed • 4 oz. Goat Cheese, soften ted sharp cheddar cheese, gra rel • 1.5 cups of cracker bar ese • 4 oz. softened cream che jar) peppers (comes whole in red d ste roa ed • 1/4 cup dic ce sauce plus 1 tablespoon sau • 1 chipotle pepper in Adobo • 1 tsp. onion powder Directions: • 1 tsp. garlic powder te tas to per Serve with crackers and • Salt and pep peach preserves.
GA Ashley Rustom |
ROLL CREDIT CARD DEBT INTO
ONE LOW PAYMENT
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a shorter term, lower interest rate, or cash-out for personal or home updates. The shorter term, such as moving from a 30-year to a 15 or 10-year mortgage forces you into a new payment plan...there is no choice once you refinance, you must make the new payment. Your mortgage professional can compare your current plan against shorter terms to make sure you are ready for that commitment, (often comes with a higher monthly payment). They may advise accelerated payments are easier and appropriate. A lower interest rate may be your bridge to a quicker payoff. With any refinance, do not ignore the expenses which are often discounted by lenders. There is a break-even date which is a good gage to determine if refinancing is an option to
consider. • Downsize: Sounds drastic but that’s what many have done, including me. Once you develop your budget, you may find that you overextended yourself with your current mortgage. One option is to refinance, but often you need to re-set. For me, I simply wanted to get that big mortgage liability and the pressure off me! We sold our beautiful large home, which we loved, and purchased a home one-third the size, with half the debt. We then used accelerated payments to pay it off. I’m sure there are other ideas and options, but these provide a starting point for your consideration. So which side do you lean towards? The good news is there is not a right or
wrong answer. If you have a financial plan and understand the impact a home purchase makes upon it, you’re on the right track. With prayerful consideration, I’m sure you will make the right choice for you! Article provided by Element Funding
stevekinzlermortgage.com | 704.906.4339
Trusted Financing Partner Steve Kinzler
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How an appraisal is ordered matters... E
Persimmon Pomegranate Margarita
lement Funding has selected The Nations Companies as their fully vetted and trusted real estate information professionals. Nations has been providing exceptional customer experiences to the borrowers of Element Funding for nearly 10 years. When selecting a mortgage company, is it imperative that they are aligned with the most knowledgeable and customer focused professionals. Evaluating your home accurately by a qualified real estate appraiser is critical in maximizing your financial resources and accomplishing your refinancing goals and objectives. Nations Valuation Services have been providing quality appraisals for nearly 30 years. The appraisers are background checked and specifically selected based on your specific property, location and scope of work. The appraiser will be familiar with your neighborhood and specifically your market conditions. Too often, big banks or out of area lenders select appraisers based on cost. This approach may result in selecting an appraiser that is not familiar with your home or neighborhood. With Nations, your appointment will be set at your convenience and the report is typically returned to Element for review 48 hours after inspection. Once your home is appraised, Element Funding will work with Nations Lending Services to provide a seamless, convenient closing experience. Nations is committed to ultra-aggressive closing costs to insure you are receiving the best overall refinance value. Nations will provide automatic reissue title insurance discounts to all qualified borrowers and close the loan the day, time and location that works best for you with NO extra charge! Long gone are the days that you must travel to a title company to close your loan during business hours… with Element Funding and Nations, we come to you! Kelly J. Kern President The Nations Companies 913 558 7332 15 | www.elementfunding.com
Recipe Ingredients
• 2 oz. good si lver (clear) tequila • 1 oz. triple se c • 1 oz. fresh lim e juice • 1 T. pomegra nate juice • 1 oz. agave nectar • 1 T. persimm on Puree (you can just pure yourself in a fo e this od processor with a little su gar)
Recipe Directions:
, or shake with Add ice and blend for frozen ice and serve on the rocks. topped with Cheers! (I made a pitcher and service) whole cranberries for pretty
GA Ashley Rustom |
WHY LEPAGE JOHNSON? • #1 Real Estate internet presence in the Charlotte market with over 5,000 visitors/mo. • Top Real Estate team in the Carolinas with over $80 million in annual sales • Over 100 Real Estate transactions in 2017; we sold a home every 3 days in 2017 • Your home featured on over 400 syndicated sites • Full time marketing team providing unmatched marketing: • Graphic designer • Videographer/Aerial Drone Photographer • Studio Grade Photography • Digital media team • 400 plus buyer inquiries signing into our home search per month • 20 Full Time Realtors representing both Buyers and Sellers • Over 14,000 active buyer leads in our database, BoomTown CRM • International buyer pool with multiple annual international sales • International and National Real Estate agent database • Over 200 FIVE STAR client reviews at LePageJohnson.com under “ Testimonials” • CEO/COO and NYC Hedge fund database for luxury buyers • LePage Johnson is a part of the fastest Real Estate company in the US, eXp Realty
Preparation and Staging We want your home to be shown in the best possible light to prospective buyers to get you top dollar in the shortest amount of time. We will create a warm and inviting environment focusing on the best architectural features and selling points of your home.
Studio Quality Photography STILL | VIDEO | DRONE
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Correct Pricing Sells
• The value of your property is determined by what a buyer is willing to pay and a seller is willing to accept in today’s market. • Buyers make their pricing decision based on comparing your property to other properties SOLD in your area. Historically, your first offer is usually your best. • Pricing your property competitively will generate the most activity from agents and buyers. • Pricing your property too high may make it necessary to drop the price below market value to compete with new, well priced listings.
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MARKETING & Distribution Our aggressive marketing approach: There is a lot more to marketing than putting a sign in the ground, putting it in the MLS and on the internet and waiting for good things to happen.
Standout amongst your competition: Nearly 94% of home buyers first view your home online prior to even thinking of seeing it in person. What will make them choose to see your home? Eye Candy! Studio grade photography • Professional videographer • Custom video editing • High grade glossy, hard stock in-house brochures so they can leave with a lasting impression and fall in love.
Distribution reach: Global Exposure – direct access to multiple international real estate hub portals in addition to our company sites which register thousands of international IP address hits per month. National Exposure – Our listings also have direct access to List Hub and fee to every nationally ranked real estate site there is.
Many regional companies in your own backyard do not offer this exposure. #1 Local Exposure – LePage Johnson Realty Group has the leading real estate internet presence in the Charlotte and Lake Norman Real Estate market. Over 20,000 visitors monthly. Boots on the ground – traditional staples such as MLS, Open Houses, Broker Opens and Signage. Direct agent Marketing – Direct email access to the top 3,000 Charlotte area agents. Social Media Marketing – LJR is the leading social media face of
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real estate in the charlotte market. We teach to other agents social media skills and marketing tips (Facebook, YouTube, Google+, Instagram and Twitter.)
What does this all mean? You will have the best real estate marketing machine in the Charlotte market working for you. Wider exposure brings faster offers and higher profits. In the last year this strategy has generated over 115 transactions equaling over $78 million in sales.
EXPERIENCED Approach
You will have a highly
Your Lead:
experienced team of
Project Manager & Client Care Advisor – The sale of your home will be led by your lead listing agent, who we will call your Project Manager and backed up by your Client Care Advisor who will work to eliminate any problems before them arise. These people are essential to making sure your selling experience is worry free.
professionals working with you throughout your home selling process. There are many moving parts to a real estate transaction and things can go amiss if there is a lack of attention to detail tied together with experience. Choosing a highly experienced group of professionals is the smarter choice over one individual trying to wear several hats!
Hassle and Worry Free! How do we accomplish this? Clarifying the entire process, explaining all the ins and outs so there are no surprises. Managing the selling team from photography, videography, marketing team, negotiations to inspections and settlement. Transaction Management System – using a detailed
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checklist, our Closing Coordinator will orchestrate the process so nothing is overlooked. Weekly Updates – Communication is key. Our team of professionals will update you weekly with information and activity about your home by way of several systems in place. Call Back Now Policy – guaranteeing a speedy response.
What does this all mean? Selling a home can be stressful, but with the right team in place and correct preparation you will have peace of mind and will know all bases are covered. Let our team of experienced professionals take all your worries away!
A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC
Locations 200 North Harbor Place, Suite E Davidson, NC 28036 14825 Ballantyne Village Way, Suite 250 Charlotte, NC 28277
A HIGH POWERED MORTGAGE COMPANY
with a hometown feel
stevekinzlermortgage.com | 704.906.4339 Primary Residential Mortgage, Inc., DBA Element Funding, NMLS #3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.