November 21, 2014

Page 1

Why sell in November? Pg. 7

Featured Home pg. 18

Blessings Most Thankful pg. 8 November 21, 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 19 Easy Home Winterization Projects 5 Blessings Most Thankful 8 Fannie Mae Loans 97% LTV 9 Promote Yourself Using Video 12 Top 10 Individuals YTD 14 Top 10 Teams YTD 15 Apps You can’t Live Without 17 Featured Home 18 Boy Scouts Hayride Through the Lights 22 How to Survive a Bidding War 23 The Proper Way to Carve a Turkey 24 Winning the Battle for Family Time 26 7 Ways to Reach Gen X and Gen Y 27 Awards Recognition 31 – 33 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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LET’S TALK TURKEY The average weight of a turkey purchased at Thanksgiving is 15 lbs. The heaviest turkey ever raised was 86 lbs, about the size of a large dog. In the US, about 280 million turkeys are sold for the Thanksgiving celebrations. It takes 75-80 lbs of feed to raise a 30 lbs Tom turkey.

Turkeys have very poor night vision. A large group of turkeys is called a flock. Turkey has more protein than chicken or beef. Turkeys have heart attacks. The United States Air Force was doing test runs and breaking the sound barrier. Nearby turkeys dropped dead with heart attacks.

The pilgrims didn't use forks; they ate with spoons, knives, and their fingers. Commercially raised turkeys cannot fly. Turkeys will have 3,500 feathers at maturity. A 15 pound turkey usually has about 70% white meat and 30% dark meat. BrevardElite.com


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

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19 Easy Home Winterization Projects 1. Dodge the Draft(s) According to the U.S. Department of Energy, drafts can waste 5% to 30% of your energy use. Start simple and adopt that old Great Depression fixture -- the draft snake. 2. Change Furnace Filters Yes it's easy to forget, but it's important to replace or clean furnace filters once a month during the heating season. Dirty filters restrict airflow and increase energy demand. Here's a worry-saving tip: mark a monthly check on your calendar. 3. Run Fans in Reverse Most people think of fans only when they want to be cool, but many ceiling units come with a handy switch that reverses the direction of the blades. Counterclockwise rotation produces cooling breezes while switching to clockwise makes it warmer: air pooled near the ceiling is circulated back into the living space - cutting your heating costs as much as 10%! 4. Winterize Your A/C and Water Lines This one's really easy, and it will even save you a few pennies next summer, too: Simply drain any hoses and air conditioner pipes, and make sure you don't have excess water pooled in equipment. If your a/c has a water shutoff valve, go ahead and turn that off. 5. Turn Down Your Water Heater While many conventional water heaters are set to 140 degrees F by installers, most households don't need that much steam, and end up paying for it – in dollars and the occasional scalding burn. Lowering the temperature to 120 degrees F (or lower) would reduce your water heating costs by 6% to 10%.

6. Install Storm Doors and Windows

The simple act of installing a storm door can increase energy efficiency by 45%, by sealing drafts and reducing air flow. Storm doors also offer greater flexibility for letting light and ventilation enter your home. Read more

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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


Why November is the Best Month to Sell Your Home Some owners hesitate to market their homes between Halloween and New Year’s Day, believing the holiday season to be an off-peak time to sell. But the idea that houses don’t sell in November and December comes from outdated historical trends. In fact, several studies show that, on average, homes listed during this time are more likely to sell, sell more quickly, and sell closer to the asking price. November, in particular, has some unique advantages that make it an ideal time to sell. Here are three reasons why Thanksgiving month might be the best time to sell your home. More motivation The idea that homes sell best in spring and summer stems from the fact that parents want to wait until summer to move school-aged children. But today, more than half of buyers aren’t married, so their decisions aren’t necessarily based on kids’ schedules. If buyers are looking for a home in November, they’ve either waited through the busy season in hopes of a better deal, or they’re facing their own time constraints due to work changes or other reasons. For these highly motivated buyers, the traditional barriers to winter house-hunting — bad weather, short days, holiday preparations — don’t apply. If your house is available for them to view in November, these buyers are more likely to make an offer close to listing price.

Less competition Because of the misconceptions about selling during winter, it’s true that many sellers don’t think it’s worth their time to try and sell their homes toward the end of the year, so they take their homes off the market. Their loss of a potential buyer is your gain! Serious buyers have fewer homes to choose from over the holidays. That means less competition for you — and more buyers checking out your even more desirable home, either online or in person. Tax benefits A house marketed in November may lure buyers looking for year-end tax breaks. Buyers looking to lower their taxes may snatch up a home late in the year so they can deduct home purchase costs. That includes points, interest and property taxes. If someone sold a house during the traditional summer selling season and faces capital gains tax on the deal (because he’s an investor or lived in the house for fewer than two years), he may be highly motivated to buy in November since closing on the purchase of another house within 180 days lets him avoid paying capital gains tax. BrevardElite.com


Ronda Chandler – The Ability to Love ( & Smell) Patty Teachman ~ Family/Successful Business Mary Gowenlock ~ Good Health Jeanne Hanson ~ Family/Good Health/ Dog “Clash” Liz Cooper ~ Family Jen Conrad ~ The Best Bosses Pat Murphy – Husband Peggy Penridge – Grandbaby (Mia) Theresa Friend – God’s Saving Grace Silvia Mozer - Freedoms That Come With Citizenship Gloria Williams – Health Abby Barclay – Children & Spouse Justin Brown – Supporting Staff June Mogavero – Friends & Family Barb Mihalik – Living in The United States of America Diane Calleja – Wonderful Friends Susan Lewis – God’s Eternal Love Candace Jansen – Health John Haley - Clean Air & Beautiful Mountains of Wyoming Carol Burke – Family Joy Frankel – Family/Friends/Clients Kim Osman – Our Heavenly Father Melinda Corns – Family Kerry Ramage – Sons…Both of Them Karen Biamonte – Children Being Home for Thanksgiving Sharon Natale – Kind Words Scott Sarver – Freedom and Grateful to Men & Women Who Serve in Our Military

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Fannie Mae will buy 97% LTV mortgages Fannie Mae CEO Timothy Mayopoulos said the government-sponsored enterprise will soon begin offering a 97% loan-to-value mortgage. Speaking at the Mortgage Bankers Association Annual Convention & Expo, Mayopoulous said the government-sponsored enterprise is working “closely” with the Federal Housing Finance Agency to offer this product to all Fannie associates. He said increased underwriting quality and improving representations and warranties will allow Fannie to buy these loans. "We now we can safely and responsibility do these loans…we reduced the layering of risk," Mayopoulos said. Fannie Mae does not lend mortgages, but rather securitizes the loans into the secondary mortgage markets. “Under our new rep and warrant framework we are reviewing more loans closer to delivery," Mayopoulos said. Mayopoulos said his firm repurchased only 8,200 out of 2.7 million recent loans. And when Fannie gives lenders time to correct any outstanding issues, a buyback is unnecessary in most circumstances. "At Fannie Mae we are focused on serving you," he told the crowd of mortgage bankers, "and looking forward to serving you in the future."

The announcement builds upon FHFA Director Mel Watt's speech from earlier in the day on Monday, when said that the FHFA was clarifying the Representations and Warranty Framework to help reduce repurchases. "We know that the Representation and Warranty Framework did not provide enough clarity to enable lenders to understand when Fannie Mae or Freddie Mac would exercise their remedy to require repurchase of a loan, Watt said. "And, we know that this issue has contributed to lenders imposing credit overlays that drive up the cost of lending and also restrict lending to borrowers with less than perfect credit scores or with less conventional financial situations." Watt also touched on the prospect of the 97% LTV ratio in his speech. "To increase access for creditworthy but lower-wealth borrowers, FHFA is also working with the Enterprises to develop sensible and responsible guidelines for mortgages with loan-tovalue ratios between 95 and 97%," Watt said. Read more BrevardElite.com


The owners and staff here at Prestige Title are truly thankful for all of the friends and clients we have met over the last 7 years. We know that we are truly blessed to have all of our agents and friends trusting us to handle their customers day in and day out. We are truly grateful for our customers continued faith in us and it’s our promise to continue to deliver great service in return. Since starting Prestige Title back in 2007, We have grown to be the largest title agency by resale volume in the county. This achievement is solely because of realtors all over the county trusting us to handle their files. We would not be where we are today without the support of our agents and friends that we have met over the years. Without our agents trust, we would not be able to move into a new, bigger and better location in 3 weeks. Words cant truly express how grateful we are here at Prestige Title and it’s our goal to continue providing the best service possible as a show of our thanks. So for this and every other holiday season to come, we would truly like to thank our agents and friends who have stood with us over the last 7 years. It’s been a long and memorable journey. It truly has been and continues to be a blessing and we promise to never stop working hard for our agents. We again thank all of our agents for the continued support and hope you all have a happy Thanksgiving and a Merry Christmas!! Shawn & Tiffany Fortenberry Prestige Title

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

Contact: Kelly Cox 321.751.8711 Pillartopost.com

If the Pilgrims landed today what would they stand on? Answer on pg 28

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

Call Today! 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


Easy Ways to Promote Yourself and Your Real Estate Business Using Video Click here for full article 800+ Standard & Climate Controlled Storage Units in a wide range of sizes 24/7 gate access & Sophisticated Security System

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

Refer a Friend and get a $25 Credit on Future Rent or Merchandise BrevardElite.com


The Elite Transaction Management Department can help!! 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


Congratulations to Our Top 10 Individuals YTD as of October 2014

#1 Silvia Mozer $13,373,100 54 Transactions

#4 Pat Murphey $7,303,600 33 Transactions

#7 Bruce Kwitny $3,660,900 22 Transactions

#2 Karen Osiniak $9,940,703 30 Transactions

#5 Sue Tillman $4,186,450 23 Transactions

#8 Melinda Corns $3,567,990 15 Transactions

#9 Peggy Penridge $3,555,025 21 Transactions

#3 Steve Vitani $9,112,817 27 Transactions

#6 Theresa Friend $3,751,1000 20 Transactions

#10 Connie Trincali $2,970,400 17 Transactions BrevardElite.com


Congratulations to Our Top Teams YTD as of October 2014

#1 McCoy-Freeman Group $25,376,210 98 Transactions

#4 Joy Frankel Team $12,465,982 62 Transactions

#7 321 Team $8,346,639 45 Transactions

#2 Platinum Realty Group $20,616,064 108 Transactions

#5 Barclay Group $11,634,500 44 Transactions

#8 Romano Team $7,602,019 27 Transactions

#3 Coastal Estate Team $19,364,530 63 Transactions

#6 Kuhns Realty Group $10,621,410 57 Transactions

#9 Central Florida Team $2,909,620 26 Transactions

#10 B & B Elite Group $1,588,300 13 Transactions

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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


Mobil apps you didn’t know you couldn’t live without

Click to view

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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1431 S Atlantic Ave 302, Cocoa Beach, FL Listed by Stephen Romano with RE/MAX Elite


Free Services for RE/MAX ELITE agents! Dyer Mortgage Group offers our Elite agents many tools to help grow your business. We are committed to helping you sell as many homes as possible. Every lender will tell you they have great service, low rates and fees, and loan programs. But what additional service can we do to help you make more money? Here is an overview of some of the tools we have to help you: *Open house sponsorships-we will make you customized flyers for any of your listings. The flyer will feature your picture/contact info, photo and information for the home, various financing options and any other information you would like featured. In addition we can provide snacks or a door prize as a thank you to the agents attending. *Free agent promotional video-we have an in-house “green screen” room and full time marketing professional on staff to help you take your business to the next level! Schedule a 30 minute appointment with our team and we will make you a personalized video that you can use on Facebook, your website, or to send to potential buyers and sellers. We can make the background be just about anything-we will also help you with “what to say” so the video conveys your personal message to attract new business. *Joint marketing-if you are interested in doing joint advertising, postcard mailings or any other direct to consumer promotion please contact us. We LOVE to support our best agents! This is just a sample of what we can do for you as your lending partner. Of course we have great rates, low fees, local service from application to closing (no out of town underwriting or closing department that doesn’t care about individual situations), rush closings, excellent communication, 7 day a week service, and loan programs to help just about any buyer. We want to show our appreciation to you by offering additional services at no cost to you. Please call Dyer Mortgage Group for more information. We are here to help you every step of the way! Bobbie Dyer Division President 321-215-4419 bdyer@dyermtg.com

www.dyermortgagegroup.com BrevardElite.com


Click to order

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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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How to Survive a Bidding War Let’s face it, the homebuying process is stressful. Factor in incredibly competitive market conditions and you may need to book a week at the spa just to get through the next open house. Never fear, I have you covered. During my many years as a licensed broker in the Seattle area, I developed a few triedand-true tips that helped my clients’ offers come out on top — even in the most serious bidding wars. (That said, if your offer falls significantly short cashwise, even the most savvy tips might not help.) However, when similar offers are on the table, there are some strategies that can help you squeeze out the winning edge.

letter with the initial offer can make all the difference. It almost seems too simple, but sharing details in an honest and heartfelt introduction letter about how you would enjoy living in the seller’s property may secure your dream home. Even though the homeowner is moving on, she probably still has a sentimental attachment to the property — so promising to maintain the architectural heritage of a historic home, for example, could make you a more compelling buyer.

Remember That Not Everything Is about Cash Seasoned agents know that one of the best ways to land a deal in a competitive market is to appeal to the sellers’ nostalgia for their home. Including a short personal

Time Is Money When a seller considers offers, she views each one holistically. Make yours more attractive by shortening contract timelines. For example, maybe your offer is $3,000 less than other buyers’, but your

proposed inspection period is five days shorter. This aggressive timeline shows the seller how serious you are about purchasing her property. The worst-case scenario for a seller is waiting out a number of days with no forward movement toward closing and then having the buyer back out. Shortening the contract timelines reduces a seller’s risk, adding an incentive for her to accept your offer. Show Them the Cash — Upfront Another way to make your offer attractive without burdening your bottom line is to showcase just how earnest you are to purchase the home. Earnest money is a deposit made to a seller showing the buyer’s Read more BrevardElite.com


The proper way to carve a turkey Click here to watch video BrevardElite.com


Baby News:

Cheryl Kennedy’s Grandson has arrived!!

Brand Transfer & Storage

Carter Brandon Reidy Born 8:03AM November 18th, 2014 5 lbs 3 oz 17 1/2 inches long

1731 Cogswell St. Rockledge, FL 32955 321.632.5020 Ext. 102 www.brandtransfer.com BrevardElite.com


Winning the Battle for Family Time This Holiday Season: Three Simple Rules Rule one: Schedule it! An often overlooked fact is that what gets scheduled is more likely to get done. So schedule the things that are important. I know it probably sounds like scheduling family time will take away some of the magic of it. But if you don't schedule this time and really protect it, you run the risk -- really, high likelihood -- of having that time get overrun with other tasks and activities. And time is something we can never get back. So think about the most important things you want to spend time on this holiday season -- time with family, time with friends, finishing reading that book -- schedule them, and protect that time at all costs. Rule two: Schedule it at the right time Holidays aren't the most productive time in the office anyway, so think about how you can shift more of the holiday distractions to you work hours. Office holiday parties are a good example. Rather than holding the traditional holiday dinner or cocktail party, shift this rather mandatory event to work hours. Maybe this year it's a holiday lunch rather than a dinner. Or even take an afternoon to swap gifts with your co-workers. According to a Harris Interactive survey from a couple of years ago, about half of us already do some of our holiday shopping online at work. By shopping online, we can save ourselves those dreadful trips to the mall. And when you buy online, gifts arrive at your door already gift-wrapped, saving time for yet another holiday chore that can encroach on family time. Make sure you know the rules at work about online browsing and shopping. You may have to limit this activity to lunch and work breaks. But it's still hours of time you've now eliminated that might otherwise threaten family time. Rule three: Turn holiday chores into family time opportunities Clearly scheduling family time at the right time is important because there are necessary holiday chores we can't just ignore. So we should all think about how we can turn some of these chores into new family time opportunities. Even in this electronic age, most of us still sit down in the evening to address and stuff those holiday greetings that go out in the mail. This year, think about nixing the holiday cards and instead create a family eGreeting. Do a web search to find one of the many companies that let you build websites for free. Gather up the kids and build a holiday website that features every member of the family. You could even shoot a great holiday selfie and post it on your holiday website. I'd recommend elf ears. Read Full Article

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7 Ways to Reach Gen X and Gen Y Terry Watson’s top tips for connecting with the MTV and social media generations. 1. Ask, “What is most important to you?” It’s the million-dollar question you need to ask every generation. Not what’s important; what’s most important. It may not be what you think. 2. Don’t make them think. People hate going to a website and having to search for a phone number and guess how to do something. It’s not enough to make things easy for Gen X and Y; you need to make things stupid easy. 3. Enjoy what you do. Gen X and Y want to be with people who are enjoying what they’re doing. You can be serious and use humor effectively at the same time. We move to positivity. 4. Talk in sound bites. Get straight to the point. Say what needs to be said in as few words as possible. If you talk to me for more than two minutes, I don’t care what you’re saying. 5. Show them, don’t tell them. Any message you’re trying to get across to any member of Gen X or Gen Y, show them a video that makes that point. They’ll get it. 6. Re-examine your social media. One of the first things Gen X and Gen Y clients are going to do is look at your social media. They’re going to look at your personal Facebook page, your Twitter, your everything. Get a professional Facebook page. 7. Be brutally honest. Gen X and Gen Y appreciate total transparency. They have an irk meter and, if they’re like me, once that meter gets pegged, they’d rather be pecked to death by chickens than work with that person again BrevardElite.com


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

Answer: Their FEET BrevardElite.com


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

promo code: REMAXELITE 866-556-9595

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


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

Steve Romano

Peggy Penridge

Barbara Lyn

Melinda Corns

Joy Frankel

Pat Murphey

Jean Hanson

Karen Biamonte

Sue Tillman

BrevardElite.com


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


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: 1541 Wekiva Drive, Melbourne, 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

Justin

Tiffany

Lisi

Susie

Candace

Susan

Cheryl

Natia

Dawn L

Ronda

Sheryl

Sharon

Avto BrevardElite.com


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