June 2013 newsletter

Erawilderrealty.com Mail - June Newsletter 2013

5/24/13 12:55 PM

Becca Talley <beccat@erawilderrealty.com>

June Newsletter 2013 ERA Wilder Realty <elzah@erawilderrealty.com> Reply-To: elzah@erawilderrealty.com To: beccat@erawilderrealty.com

Fri, May 24, 2013 at 11:10 AM

STAY CONNECTED with ERA WILDER REALTY

Dear ERA Colleagues, On Monday afternoon, a massive tornado ripped through Moore, Okla., leaving devastation in its path for miles on end. A tragedy like this calls for all of us to unite and reach out to those who need us. Our parent company, Realogy, has looked at the charities that are responding to the victims' needs and have suggested the following causes to support: American Red Cross - At the forefront at any disaster, the Red Cross is on the ground with shelters and its website, Safe and Well, allowing victims to connect with distant relatives to let people know they are safe. https://mail.google.com/mail/u/0/?ui=2&ik=e2807ed2a9&view=pt&search=inbox&msg=13ed71721c57ebed&dsqt=1

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Erawilderrealty.com Mail - June Newsletter 2013

5/24/13 12:55 PM

Feed the Children - Since 1979, Feed the Children has focused on clean water and good nutrition for children both in America and around the world. With their headquarters in Oklahoma City, they quickly mobilized equipment to provide clean water and emergency food rations.

Regional Food Bank of Oklahoma - As the 21st food bank formed in the United States in 1980, this charity has supported the community with food collection and distribution, steadily growing to its current size with a 150,000 sq. ft. warehouse and a volunteer staff ready to handle the expected requests for food and meal plans in the coming weeks.

Salvation Army - The Salvation Army activated its disaster response teams and mobile feeding units for the victims and rescuers in both Moore, Okla., as well as other areas that were hit by the recent tornadoes.

Those who want to help people affected by this disaster can support any of the charities by making a donation through the Realogy Charitable Foundation. Your gift enables these charities to provide food and other assistance in response to this disaster.

Please know that 100% of the funds raised by the Realogy Charitable Foundation for this effort will be donated to the charity you select.

There are two ways you can contribute, either by entering your credit card information through this secure website or by mailing a check.

If you make a donation by check, please mail your check made payable to "RCF-OK Disaster" and note on the check the charity you wish to fund. If you do not specify a charity, the Foundation will split your donation evenly among these four charities. Checks can be mailed to: Realogy Charitable Foundation OK Disaster Fund 175 Park Ave. Madison, NJ 07940 Thank you in advance for your consideration.

Sincerely, Charlie Young President and CEO ERA Franchise Systems LLC The Realogy Charitable Foundation is a 501 (c)(3) public charity supporting the philanthropic and volunteer activities of Realogy Holdings Corp. and its family of companies in communities where the company has a presence. Contributions made to this site will be managed by the Realogy Charitable Foundation which will distribute 100% of all funds raised. All gifts are tax deductible to the extent allowed by law and individuals should consult their tax professional to determine the amount they can claim as a tax deduction.

The 15th Annual Black Expo - Columbia, S.C.

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Erawilderrealty.com Mail - June Newsletter 2013

5/24/13 12:55 PM

The 15th Annual Black Expo was held May 19th, 2013 at the Colonial Life Arena in Columbia, SC. Henrietta Gadson and Robin Belgrave represented ERA Wilder Realty.

Chris Andrews Joins ERA Wilder Realty as Director of Career Development Columbia, S.C. May 17, 2013 - ERA Wilder Realty welcomes Christopher Andrews United States Marine Corps Master Gunnery Sergeant, as the new director of career development.

"Chris is bringing a lot of discipline and career success to our company," said Eddie Wilder, president of ERA Wilder Realty. "I believe that he will be able to anticipate and satisfy our evolving needs to deliver the best talent and provide growth."

Andrews has been honorably serving as a United States Marine for the past 28 years. During 23 of these years, he held a variety of executive responsibilities within the Recruiting Command. Some of his areas of expertise include strategic future planning, sales force management, interpersonal management skills, sales and market analysis, and leading tactical change.

As ERA Wilder's new director of career development, Andrews will be managing a full cycle recruiting process to seek and hire new and experienced agents, brokers, and other vital members for the company. His skills will allow him to develop and implement strategic initiatives for recruiting diverse talent, to satisfy today's real estate market and the needs of its consumers.

ERA Wilder Realty Welcomes New Agents https://mail.google.com/mail/u/0/?ui=2&ik=e2807ed2a9&view=pt&search=inbox&msg=13ed71721c57ebed&dsqt=1

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Erawilderrealty.com Mail - June Newsletter 2013

5/24/13 12:55 PM

From the Left: The Lexington office welcomes Gina Bowers.

The Sumter office welcomes Linda Mixon.

The Irmo office welcomes Emily Hammond & Linda Matthiessen.

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Erawilderrealty.com Mail - June Newsletter 2013

5/24/13 12:55 PM

A Client Testimonial Todd Beckstrom https://mail.google.com/mail/u/0/?ui=2&ik=e2807ed2a9&view=pt&search=inbox&msg=13ed71721c57ebed&dsqt=1

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Erawilderrealty.com Mail - June Newsletter 2013

5/24/13 12:55 PM

Chapin Office Todd and his team were the best real estate people I have ever dealt with. Todd and his team are very professional, very informative and very helpful!! They handled all the details. This was the easiest and fastest house I have ever sold. I will DEFINITELY use The Todd Beckstrom team again. !

Why Classes at ERA Wilder Realty are the Best!

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Erawilderrealty.com Mail - June Newsletter 2013

5/24/13 12:55 PM

!!

Indications for Success with a Home Loan The following are symptomatic indications of whether we are setting someone up for success with a home loan. * OVERDRAFTS - if someone has overdrafts showing on their bank statement then it is possible that their income did not cover their living expenses in their current situation. This is a symptom that requires a loan go to loan committee for extra review. * PAYMENT SHOCK - this is a comparison of the current housing expense with the proposed payment. If there is a significant increase then there should be cash building up in the borrower's bank account. If there is a reduction in housing expense then extra leniency may be in order. Of particular concern is 100% payment shock for borrower's who have lived rent free, perhaps with a family member. Whereas there is nothing wrong with this, they should have reserves. * REVOLVING UTILIZATION - the use of revolving credit is important in building a credit score. Utilizing all available credit, or maxing out your card, can hurt your score and also be a symptom of a person who is not living within their means. It is best to have revolving accounts open and with balances between 0% and 50% of the limit. * RESERVES - there is no other way to better prove one's capacity to live within their means than to have reserves. Borrowers can have severely damaged credit, reestablished credit and save money to demonstrate they are ready.

Action Plan: 1) Establish two revolving accounts and one installment account of a minimum of 24 month duration.

2) Utilize revolving accounts with minimal transactions.

3) Keep all accounts current.

4) Save money. Build some reserves.

5) Avoid additional and unnecessary inquires.

6) Avoid allowing items going to collections.

7) Avoid overdrafts.

8) Show your taxable income and avoid gaps in employment greater than 60 days.

Ultimate Goal: live your financial life such that being prepared for home ownership is a symptom of the way you live.

Click Here To Contact a Mortgage Expert from Movement Mortgage.

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Erawilderrealty.com Mail - June Newsletter 2013

5/24/13 12:55 PM

For More Information: Contact Becky Schmitt at 800.800.8880 ext.6728 or email bschmitt@ahslink.com.

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Erawilderrealty.com Mail - June Newsletter 2013

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ERA Wilder Realty | 1730 Main Street | Columbia | SC | 29201

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