November 14, 2014

7 Signs You’re Dating/Married to a Real Estate Agent pg. 25

Featured Home pg. 14

Top Teams of Brevard County – Residential & Commercial in September pg. 6

November 14, 2014 BrevardElite.com

Links & Content Website Links: Training Center RE/MAX Mainstreet Paperless Pipeline ShowingTime RE/MAX University The ABOVE Magazine

In This Issue: Page Freddie Mac Offers Small Mortgages 4 Financial Barriers 5 Safety First 8 6 Most Dangerous Everyday Situations 9 Tech Corner 12 Lifesavers no Home Should be Without 13 Featured Home 14 Dyer Mortgage 15 Rent vs. Buy 16 Hayride through the lights 18 A REAL Pie Chart 20 Brass Doorknobs Stop Superbugs 22 Pinterest 26– 27 Awards Recognition 30 – 32 Birthdays & Anniversaries 34 Property Management Division 35 Supporting Staff 36

Weekly Coaching!

RE/MAX Elite agents do not forget we meet every Wednesday at 9:00 am to brainstorm in ways to make your business soar! If you want to join our coaching sessions, just contact Susan Lewis at susan.brevardelite@gmail.com

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5 Steps to a Manageable Thanksgiving Dinner Click to read

Freddie Mac offers small apartment mortgages Government-sponsored enterprise Freddie Mac is venturing past its standard mortgage originations and building a business to originate small apartment loans, between $1 million and $5 million, as part of its mandate to support affordable housing.

Per Bloomberg: The average loan will be about $2.5 million, the McLean, Virginia-based company said today in a statement.

The mortgage giant plans to originate as much as $1 billion of such debt in 2015, according to David Brickman, the head of multifamily operations at Freddie Mac. “It is critical to provide financing for smaller loans and properties, Especially since this market segment disproportionately serves lowerIncome renters,” Brickman said in the statement.

This falls right in line with Freddie’s September Economic and Housing Market Outlook report, which said that the multifamily sector is witnessing a strong rebound as the singlefamily sector struggles to move at all.

"The apartment market has been vibrant, reflecting the desire of many millennials to live in an urban setting and retain locational flexibility,” Frank Nothaft, Freddie Mac vice president and chief economist, said.

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Bob DiBella, CLTC Financial Services Representative Registered Representative Investment Advisor Representative

"I can't balance a blimp, but I can help you balance your portfolio"

www.rdibella.metlife.com 321.610.9934 321.255.1480 rdibella@metlife.com

Financial Barriers are Most Common Reasons for Always Renting

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800+ Standard & Climate Controlled Storage Units in a wide range of sizes 24/7 gate access & Sophisticated Security System

Safety on the job should be on all Realtors’ agendas; luckily today’s specialized apps and smartphone technology put a backup plan right in the palm of agents’ hands.

Phone: (321) 433-3341 www.storesmart.org

Real Alert Devices: iPhone & Android Cost: $1.99

IcePics Device: iPhone Cost: $2.99

SafeTREC Devices: Most mobile devices Cost: Free limited plan; full-featured plan $9.95 per month Snap Secure Device: Blackberry, Android, & iPhone Cost: Basic - Free, or $2.49 per month.

Moby Devices: BlackBerry and iPhone*; coming soon to Android Refer a Friend and get a Cost: Free and premium plans available $25 Credit on Future Rent ($9.95 per month/$99.94 per year) or Merchandise BrevardElite.com

Real Estate's 6 Most Dangerous Everyday Situations 1. Entering foreclosed or vacant homes - The Risk: Foreclosures may attract unexpected house guests — such as squatters — or former home owners refusing to leave. The homes also may be damaged and poorly lit or attract wildlife since it’s abandoned, leading to more potential safety hazards.

Safety Tips: Inspect the exterior - Don’t confront a squatter - Use the buddy system - Let others know where you are - Visit during the day 2. Meeting with a new client for the first time - The Risk: Meeting with people you don't know can put your safety at risk. You don’t know whether this person could potentially be a criminal, stalker, thief, or worse.

Safety Tips: Meet at the office first - Ask for identification - Have all clients fill out a customer identification form - Introduce them to a coworker 3. Showing a property alone - The Risk: You’re touring vacant properties with strangers.

Safety Tips: Use the buddy system - Don’t go into confined places - Walk behind - Let others know where you are - Have an excuse 4. Open houses - The Risk: You’re inviting the public to a property, which is an invitation to anyone, from thieves to those who might want to harm you.

Safety Tips: Promote security in your advertisements - Partner up - Introduce yourself to neighbors - Watch for patterns - Stow away your valuables 5. Flashy personal marketing - The Risk: Marketing materials that contain photos of yourself may attract the attention of criminals.

Safety Tips: Avoid provocative photos in your marketing - Watch what you wear - Protect your personal information 6. Transporting strangers in your car - The Risk: You’re showing houses to potential buyers and chauffeuring them in your car from house to house. Most people don’t pick up hitchhikers, yet real estate professionals put strangers in their car all of the time and don’t think anything of it, Siciliano says. There’s a risk of being robbed, your car being stolen, and you victimized and thrown to the side of the road.

Safety Tips: Drive separately - Watch where you park

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An agent averages 19 hours of their time on a transaction from contract to closing.

We are giving you back most of that time, so that you can focus on activities that drive in more income for your business!

We have established exclusive pricing for these services and you only pay at closing.

$200 for 1 side or $250 for both!

Providing the processing, organizing and communications you need to manage your transactions with accuracy, speed and the highest level of professionalism.

For more information contact: The Elite Transaction Management Department Denell Hastings 321.775.8178 denell.brevardelite@gmail.com BrevardElite.com

HAPPY HOME INSPECTIONS happyhomeinspection.com Veteran-owned company Established 2000

Please give us a call 321-302-1120

Work Smarter.

SmartTargeting focuses you on the homes most likely to sell.

Website: www.smartzip.com BrevardElite.com

Collect and Convert More Open House Leads

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Prestige Title of Brevard has the knowledge, experience, and resources to get your real estate transaction closed. So whether inmanNEWS.com you’re a buyer, seller, mortgage broker, lending institution, or real estate professional we want to be your preferred title insurance provider of choice!

6450 N. Wickham Rd, Suite 106 Melbourne, FL 32940 Phone: 321.242.7660 Fax: 321.242.1675

Tiffany Fortenberry 321.288.8931 Shawn Fortenberry 321.302.0031

www.prestigeclosings.com

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Two Lifesavers No Home Should Be Without

Click to Read full article

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2972 Emeldi LN., Melbourne, FL Listed by Susan Senecheck with RE/MAX Elite

A special THANK YOU to our Realtors!

Our 16th annual football party was a huge success! We had over 125 Realtors attend and we gave away 22 door prizes including a flat screen TV. We truly appreciate your support and we want to show our appreciation to you by offering a special promotion for you and your clients. This special is good for all RE/MAX Elite agents (loan application/contract received

by November 30; closing by 1/31/15).

For all new applications in November the Dyer Mortgage Group will pay for the 1 year home warranty on your behalf-you are our most important Realtor clients! For buyers that don’t need a home warranty we will instead do a free appraisal for the buyer (savings of $425).

Dyer Mortgage Group offers a wide range of programs, including: *FHA, VA, and Conventional *Loans from $50,000-$3,000,000 *Jumbo VA loans to $1,500,000 (minimal down payment) *Jumbo loans with 10% down payment and no mortgage insurance option *Condominium financing with limited review/minimal documentation option (we can finance nearly every condo in Brevard County) *Fixed or adjustable rates-each loan is customized to meet the client’s needs *Physicians, Self-Employed, and Complex Tax Returns/Financials are our specialty *Free consultations and free preapprovals-you know your buyers are qualified when you send them to Dyer Mortgage Group! *Credit scores as low as 580-we will also work with buyers to improve their credit score (no charge) *New construction financing and reverse mortgages also available *Local service-loans are done locally (we process, underwrite and close in our Melbourne office)-we provide face to face assistance with our clients and we assist them every step of the way. Call your favorite title company and ask them how our closing packages are done days ahead of the closing date! *Close-On-Time Guarantee-if we do not close on the contract date we will pay the buyer $1,000 at closing (please call for details) *Most loans close in 30 days or less (rush loans in as little as 15 days!)

We also offer our FREE Realtor promotional video that we will produce for you in our “Green Screen Room”-let us do a 1-2 minute commercial for you to promote yourself on Facebook or other social media; please call us for details and to schedule your personal, professional video shoot!

Thank you for choosing the Dyer Mortgage Group-we appreciate your business very much.

Please call one of our experienced loan officers today for more information.

www.dyermortgagegroup.com

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Reasons to rent: •Career Uncertainty •Income Uncertainty •Bad Credit •No Maintenance expenses •Utilities (sometime included in with the rent) •May not allow pets

Reasons to Buy: •Equity •Tax Deductions •Creative Control •Maintenance Choices •No Payment Increase •Family Pet is your Choice

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Save the date!!

November 24th at NOON is our annual Thanksgiving Pot Luck (bring a dish to share). Turkey and ham will be provided by the office.

December 5th Annual Christmas Party!

Theme: Tackiest Christmas attire.

Invitations to follow.

Give us a call today!

321-698-5370 Florida License # HI 8266 Melbourne & Surrounding Areas

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*AUTO *HOME *LIFE *BUSINESS www.SuntreeInsurance.com

Paul McDonough

3199 Suntree Blvd., Suite 2 Rockledge, FL 32955 Phone: 622.5333 Fax: 622.5336

Vynn Pechart BrevardElite.com

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Brand Transfer & Storage 1731 Cogswell St. Rockledge, FL 32955 321.632.5020 Ext. 102 www.brandtransfer.com BrevardElite.com

Making Doorknobs Brass Could Stop The Spread Of Superbugs Brass door knobs, handles and handrails should be brought back into common use in public places to help combat superbugs, according to scientists.

Researchers have discovered that copper and alloys made from the metal, including brass, can prevent antibiotic resistance in bacteria from spreading.

Plastic and stainless steel surfaces, which are now widely used in hospitals and public settings, allow bacteria to survive and spread when people touch them.

Even if the bacteria die, DNA that gives them resistance to antibiotics can survive and be passed on to other bacteria on these surfaces. Copper and brass, however, can kill the bacteria and also destroy this DNA. Professor Bill Keevil, head of the microbiology group at Southampton University, said using copper on surfaces in public places and on public transport could dramatically cut the threat posed by superbugs.

Professor Keevil said: “There are a lot of bugs on our hands that we are spreading around by touching surfaces.

In a public building or mass transport, surfaces cannot be cleaned for long periods of time.

“Until relatively recently brass was a relatively commonly used surface. On stainless steel surfaces these bacteria can survive for weeks, but on copper surfaces they die within minutes.

“Part of the process DNA from bacteria is also destroyed just as rapidly on the copper, so you cannot get gene transfer on the surface.”

Almost 43,000 people a year are infected in hospitals with antibiotic resistant bacteria MRSA and Clostridium difficile.

Antibiotic resistance usually occurs in a single bacterium that then multiplies and passes on this resistance to other bacteria around them.

In research published in the journal Molecular Genetics of Bacteria, Professor Keevil and his colleagues found that compared to stainless steel bacteria on copper surfaces bacterial DNA rapidly degraded at room temperature.

Professor Keevil added: “We live in this new world of stainless steel and plastic, but perhaps we should go back to using brass more instead.”

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Sell faster - Homes with an AHS Home Protection Plan sold an average of 10.73 days faster than those without a home warranty.

See what our clients have to say about American Home Shield My experience has been the best. They (AHS) are there whenever you need them and that is why I recommend them to each one of you. Make a smart decision when you become an owner: get protection for your home.

— CC Limardo Hostess of Casa Al Dia, TV show

Tony Fletcher Account Executive American Home Shield 321 480 7562 tfletcher@ahslink.com

AHS Customer for 13 years I would absolutely recommend AHS to my family, friends and customers. I explain to them what it is and how it works and that it makes you feel comfortable. You don’t need an umbrella every day, but it’s nice to know that if it starts raining, you’ve got that umbrella with you. That’s what it’s all about.

— David Leon Licensed Contractor We live four states away from the house that we have the American Home Shield warranty on so for us, it's important to have immediate access and assistance when things go wrong in that house. AHS was there immediately when we contacted them and got the ball rolling to fix the leak in our hot water heater. They provided a reputable plumbing company to do the work, and they fixed the problem before any great damage could be done to the house.

Great job.

— Terry Hubbard

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Welcome to the

Platinum Club Steve Vitani

Steve has qualified for the 2014 RE/MAX Platinum Club Award.

This award honors successful agents who have earned at least $250,000 in annual commissions. In 2013, less than 10% of the RE/MAX network achieved this prestigious award.

Steve is a Florida Realtor providing 5 Star Service for Buyers and Sellers in Viera, Rockledge, Suntree, Melbourne & Beaches.

He has an extensive knowledge of Luxury Home Sellers & Buyers, First-Time Buyers, Short Sales, Investment Property, Condominiums, and Down Payment Assistance Loan Programs.

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7 Signs You’re Dating or Married to A Real Estate Agent 1. Flirting and lead generation start to look alike Only an agent’s other half will send their mate out into the world looking their best, hoping they come back with lots of phone numbers from interested people. Face it: Someone else’s reason to be jealous inspires your thoughts of a trip to Cabo.

2. Odd calls mean a happy mate In a normal relationship, random numbers or late-night calls would be cause for concern.

When you’re with an agent, they mean leads are being followed up with (perhaps using one of these seven online lead follow-up strategies) and business is good.

In addition, you know you’re in love when you start answering the phone like you’re the office receptionist and know the qualifying script.

3. Weekends equal me time In most relationships, weekends mean dates, romance and quality time together. When you’re with an agent, you probably party with your friends or tackle errands more than most. That is, unless you consider attending an open house a hot date.

4. Tax-deductible vacations You know the love has gotten real when your vacation locations are centered around the next season’s real estate conference. One of the big benefits of “standing by your man/woman” when they’re in real estate is planning your getaways around continuing education or networking events.

5. Furniture randomly disappears Nothing sells faster than a well-staged home. And if you’re paired up with an agent, you know this because sometimes pieces of your well-staged home may disappear.

Every relationship is give and take. In real estate, sometimes the give is your favorite lamp or painting. Look at it this way: By utilizing your tasteful furnishings or decorations, your partner is able to avoid committing any of these shockingly bad staging decisions that sellers (and some agents!) have been known to make.

6. You hear mobile voices (and they’re very motivational) Whether it’s the self-pep talk or someone like Brian Buffini on an audiobook, if you’re courting an agent you’ve probably caught them motivating themselves on the go. It’s OK, they aren’t that crazy. Enjoy the hum that gets the deal done.

7. You know real estate TV shows can be hogwash If you have a hard time watching the 30-minute real estate hunts or get a feeling similar to road rage when you flip to HGTV, you might be dating an agent. You know the realities are a lot less pretty, and that’s OK. It just means you’re really connecting with your mate.

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• Leader in our industry in home inspections • Comprehensive & Accurate Reports

Contact: Kelly Cox 321.751.8711 Pillartopost.com

Kim Osman Insurance Group, Inc. 474 N Harbor City Blvd, Suite 4 Melbourne, Fl 32935

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321.549.0678

Kim Osman

kosman1@kimosmanins.com

Find out why It's Always A Great Day at Pete Osman the posman1@kimosmanins.com Kim Osman Agency BrevardElite.com

RE/MAX Elite Clients Can Save Up to 10% Visit Our RE/MAX Elite Exclusive Site pods.com/remaxelite

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CALL TODAY, INSTALLED TOMORROW 1-877-542-2972 www.protectyourhomepartners.com/partner/remax-elite BrevardElite.com

2014 Awards Recognition

Jennifer McCoy & Bobby Freeman

Steve Vitani

Bridget Sentz

Andy Barclay

Carolyn Smith

Silvia Mozer BrevardElite.com

2014 Awards Recognition

Karen Osiniak

Mary Gowenlock

Brad Kuhns

Kerry Ramage

Marilyn Pinkerman

Sue Tillman

Melinda Corns

Steve Romano

Barbara Lyn

Joy Frankel

Pat Murphey

Jean Hanson

Karen Biamonte

Peggy Penridge

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2014 Awards Recognition

Connie Trincali

John Murphy

Diane Calleja

Dee Dee Sheffield

Bruce Kwitny

Barb Mihalik

Lou Ann Janke

June Mogavero

Suzi Granger

Gloria Williams

Theresa Friend

Bree Fary

Patty Teachman

David Dicioccio

Scott Case

Sheryl Jones BrevardElite.com

We at H.I.P. Construction are dedicated to creating an organizational culture that encourages honesty, integrity, and professionalism by adopting and enforcing the following practices: 1.

Emphasize, through staff training, that the organization expects its employees to be honest, have a sense of integrity, and behave professionally. Convey these same expectations to vendors, consultants, volunteers, and anyone else who performs paid or unpaid work for the organization.

2.

Explicitly require "honesty, integrity, and professionalism" in all job descriptions, staff contracts, volunteer policies, performance evaluations, and labor agreements.

3.

Inform employees, contractors, and the general public of established policies, procedures, and expectations regarding honesty, integrity, and professionalism.

4.

Commend and reinforce behavior that exemplifies high ethical expectations.

5.

Never tolerate dishonest, corrupt, or unprincipled behavior in the workplace, regardless of job type or level of authority.

Get started with your FREE estimate today!

321.775.8212 jason@trusthip.com BrevardElite.com

Mary Gowenlock – 11/02 Dawn Long - 11/07 Nikki Freeman – 11/07 Theresa Friend – 11/08 Taylor Sentz - 11/10 Denise Lemons – 11/11 Jeanne Hanson – 11/23 Brad Kuhns – 11/26 Sherry Toms – 11/27

Melinda Corns – 7 years David Dicioccio - 4years Connie Trincali – 2 years Bridget Sentz – 1 year Carolyn Smith – 1 year BrevardElite.com

Our Property Management Division Your clients can fill out their credit application and pay online. It’s easy and menu driven. If you have any questions please call Sheryl at 321-863-7824 (cell) or 321-775-8122 (office). She will be happy to tell you all about it.

Click Here to see 321rentals.net Thank you for your support and referrals! Be the best you can be each day!

This weeks featured Rental: 250 Saint Lucie Lane 8, Cocoa Beach, FL

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Wishing you a fantastic Friday on behalf of your RE/MAX Elite Family!

321.752.5858 BrevardElite.com Your Supporting Staff

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