The Power Is Now Real Estate Magazine May 2018

Vol. 1 Issue 3 | May 2018

the power is now R E A L

E S T A T E

M A G A Z I N E

Featured Listing 3644 Park Ridge Dr, Richmond, CA 94806 Pg. 8

Premium Listings Available!

Meet Our Top Real Estate Agents

the power is now REAL ESTATE MAGAZINE THE POWER IS NOW INC. Vol. 01 | Issue 3

Eric Lawrence Frazier, MBA President and CEO Office: (800) 401-8994 Ext. 703 Direct: (714) 361-2105 Eric.Frazier@ThePowerIsNow.com www.thepowerisnow.com www.blogtalkradio.com/thepowerisnow

EDITORIAL TEAM Eric Lawrence Frazier MBA Editor in Chief (800) 401-8994 Ext. 703

Goldy Ponce Arratia Graphic Artist and Design Manager (800) 401-8994 ext. 711 goldy.ponce@thepowerisnow.com

online homebuyer’s seminar • Learn about the state of housing and the Wealth Gap • Learn about Zero Down Payment Home Loans on 1 to 4 units • Learn about Down Payment Assistance Programs with state, county and city • Learn about partnership strategies to buy your first home • Learn how to buy a 4 unit home as a first time home buyer Presented by: Eric Lawrence Frazier, MBA

CalBRE # 01143484 | NMLS # 461807 www.thepowerisnow.com eric.frazier@thepowerisnow.com Ph: 714-475-8629 | F: 800-261-1634

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the power is now REAL ESTATE MAGAZINE CEO & Publisher Eric Lawrence Frazier, MBA 3739 6th Street, Riverside, CA 921506 Ph: (800) 401-8994 ext. 703 EDITORIAL Editor in Chief: Eric Lawrence Frazier MBA Managing Editor: Daniel Mungai ONLINE Web Designer: Design Box DESIGN Art Director & Design Manager: Goldy Ponce ADMINISTRATIVE Administrative Assistant: Kendra Gedeon

SALES National Sales Manager: Christina Kimble National Relationship Manager: Success Money HEADQUATERS The Power Is Now Inc. 3739 6th Street Riverside, CA 92506 Ph: (800) 401-8994 Fax: (800) 401-8994 Email: info@thepowerisnow.com www.thepowerisnow.com www.thepinmagazine.com PUBLICATION AND SERVICES The PIN Magazine The Power Is Now Radio The Power Is Now Publications The Power Is Now Radio Guide The Power Is Now VIP Agent Program The Power Is Now Power Consulting/Coaching The Power Is Now Association Management The Power Is Now Event Management

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Our Professional Realtors ERIC LAWRENCE FRAZIER, MBA CA BRE: 01143484 | NMLS 461807

CHRISTINA KIMBLE CA BRE: 01395886

Phone: (800) 401-8994 x 703 Direct: (714) 475-8629 eric.frazier@thepowerisnow.com

Phone: (800) 401-8994 x 705 Direct: (714) 709-1394 christina.kimble@thepowerisnow.com

DANON BURNSIDE CA BRE: 01835853

LANISE SPANN CA BRE: 01143484 | NMLS 461807

Phone: (800) 401-8994 x 724 Direct: (951) 205-5796 danon.burnside@thepowerisnow.com

Phone: (800) 401-8994 x 703 Direct: (707) 297-0398 lanise.spann@thepowerisnow.com

DONALD DRAKE CA BRE: 01256986

LEON TOWNSEND CA BRE: 01979416

Phone: (800) 401-8994 x 755 Direct: (714) 724-3604 donald.drake@thepowerisnow.com

Phone: (800) 401-8994 x 733 Direct: (626)372-9374 leon.townsend@thepowerisnow.com

CHARLENE NEELY CA BRE: 01235710

LATRESEYA MORALES CA BRE: 02034858

Phone: (800) 401-8994 x 740 Direct: (510) 435-0648 charlene.neely@thepowerisnow.com

Phone: (800) 401-8994 x 735 Direct: (818) 853-1831 latreseya.morales@thepowerisnow.com

ALICIA VENNER CA BRE: 01874114

DAVID ELLIS CA BRE: 01970680

Phone: (800) 401-8994 x 751 Direct: (951) 415-7816 alicia.venner@thepowerisnow.com

Phone: (800) 401-8994 x 744 Direct: (909) 560-1091 david.ellis@thepowerisnow.com

thepowerisnowrealestateservices.com

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SYLVIA YOUNG CA BRE: 01039092

ALEXANDRA TREFRY CA BRE: 01987453

Phone: (800) 401-8994 x 734 Direct: (510) 821-2599 sylvia.young@thepowerisnow.com

Phone: (800) 401-8994 x 753 Direct: (707) 494-2028 alexandra.trefry@thepowerisnow.com

LINDA QUINN CA BRE: 01341680

CHARLES CLARK CA BRE: 01995015

Phone: (800) 401-8994 x 738 Direct: (714) 944-2233 linda.quinn@thepowerisnow.com

Phone: (800) 401-8994 x 746 Direct: (909) 319-1256 charles.clark@thepowerisnow.com

APRIL HARRIS CA BRE: 01988009

ROBIN DAVIS CA BRE: 01971982

Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 april.harris@thepowerisnow.com

Phone: (800) 401-8994 x 706 Direct: (925) 565-484 robin.davis@thepowerisnow.com

ALSHAUN RODGERS CA BRE: 01374164

CLASSYE JAMES CA BRE: 01991620

Phone: (800) 401-8994 x 742 Direct: (310) 227-2247 alshaun.rodgers@thepowerisnow.com

Phone: (800) 401-8994 x 743 Direct: (650) 804-8326 classye.james@thepowerisnow.com

SHALONDA PILGRAM

GRACE RICHARDSON CA BRE: 02047556

CA BRE: 01994236 Phone: (800) 401-8994 x 730 Direct: (951) 704-2590 shalonda.pilgram@thepowerisnow.com

Phone: (800) 401-8994 x 716 Direct: (909) 614-9100 grace.richardson@thepowerisnow.com

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The market is still hot for Vallejo Real Estate

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he US real estate has not always been banal or on the upswing in the recent years. Vallejo hit the news last year as being the hottest real estate market in the whole country. The growth of this region has been spurred by the boom in the tech industry in the San Francisco Bay Area. In the month of January for example, homes in Vallejo sold 45-50 days more quickly compared to most other areas in the country.

Vallejo and Solano counties have been dubbed as the most expensive counties more than some places and also less expensive compared to others. If you are looking for an apartment building, size is one important factor that has to be weighed in. If a person can afford an apartment for $1,500 they could do a lot with it, may be rent out with a friend, set up an office in the house and such like things. In Vallejo, that money rents a 960 square foot apartment. Comparing this with some other regions such as San Francisco, where you

thepowerisnowrealestateservices.com

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get a 340 square foot apartment, it is obvious that what you are getting in Vallejo is double what you get in San Francisco. In Benicia and Fairfield, renters get 860 and 1,040 square feet respectively meaning that Vallejo has placed itself considerably well to outperform most markets in the bay area.

In Vallejo the average price per a square foot is $1.50 which only means that with $1,500 it is very much possible to land on a 1,000 square feet of the living space, this compared to some other states is still much smaller because if you consider other places like Indianapolis, Dallas and Phoenix you get 1,770, 1,330 and 1,480 respectively.

Looking for a place to call your home is a big decision and most of the renters base this decision by first of all figuring out the price range. Even though it is very important to always stay within your budget limits, you must understand that the options that are available at different price points will differ from one part of the country

to another. To understand this better, a report released by the apartmentlist.com showed that for $1,500 you will get a 1,770 square foot apartment in Indianapolis, in Philadelphia, the same amount will give you a 1,030 square feet apartment. The size shrinks when you move to places like Chicago (890 square foot), Portland (870 square foot), Denver (840 square foot), Seattle (620 square foot) or even Los Angeles (560 square foot).

This data reveals that it is relatively cheaper and a good option to rent in Vallejo compared to most other Bay Area regions. The data from Apartment list reveals that $1,500 will give you an apartment to rent that is 960 square feet which is equivalent to $1.56 per square foot. This figure is almost triple what San Francisco offers and still more than the California average 700 square feet. Even if the rent continues to rise by the day, Vallejo is still more affordable than most of the cities in the Bay Area.

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3644 PARK RIDGE DR, RICHMOND, CA 94806

$750,000

LANISE SPANN CALBRE # 01800507 PHONE: 800-401-8994 X 713 DIRECT: 707-297-0398 EMAIL: LANISE.SPANN@THEPOWERISNOW.COM WEBSITE: WWW.THEPOWERISNOW.COM

2,732 Sq Ft - 5 Bedrooms and 3 Bathrooms This 5BR 3BA BEAUTY! sits in the Sterling! Neighborhood of the Country Club Vista. A Cutting Edge Home with the largest floor plan in the division at 2,732 Sq Ft. A Back Yard Breath Taking water view of the Carquinez Bridge and Vallejo. Near by Richmond County Club Golf Course with Restaurants and Starbucks blocks away.

Public transportation within waling distance and easy access to 80 and 580 freeways.

A STELLAR HOME!

PREMIUM LISTING AVAILABLE TODAY!

NEW MARKETING SESSIONS

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Increase lead generation, and give you the POWER to close more deals!

• Streamed live on Facebook, and are rebroadcast on BlogTalkRadio which is syndicated to iTunes, TuneIn and many other online radio platforms.

During the show each agent and their listings are featured for approximately five minutes to discuss why buyers should consider buying their listing(s). In addition, each agent will be given an post-show opportunity to launch a customized marketing campaign to get additional exposure.

Every Thursday 12:30 PM - 1:30 PM Promote Your Listings Online

• These sessions provide real estate agents and brokers a powerful marketing opportunity to access The Power Is Now Network of Agents nationwide and our audience of prospective buyers and sellers that is 1 million strong and growing.

CALL ME FOR MORE INFORMATION ERIC LAWRENCE FRAZIER MBA

CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243

Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com Mobile: 714-361-2105 Office: 800-401-8994 ext. 703

How is real estate in Wine Country after the Aftermath of the Conflagration?

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ith inventory being low in most part of the California County, prices have fueled sharply making it difficult for buyers to gain foothold in most markets and Wine Country has not been left behind. However there are speculations that this may not be for long as efforts to ease up the tension in the market are underway. The easing of the inventory shortage is expected to result in a more manageable situation with the home prices being at close pars and also a modest home sales.

Nationwide, the best month to sell your home for more than it is worth is May and between 2011 and 2017, sellers have received premiums of up to 5.9%. In California, the best months to sell a home is between May, June and July and in the Bay Area, the best months are April and May, good news for investors while bad news for the home buyers. Therefore, if you are looking to invest in real estate, you should consider doing it now.

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This part of the California, just like any other, was already limited before devastating events of October 2017. This year, and perhaps a few more to come has shown a possible scenario of a more introspective larger demand with little supply. This has had immense effects in the performance of the region as this economic shift has created a rather unusual competitive market place for the home buyers. Due to this competition, prices are on an upward trend subsequently making it very difficult for people to buy a home in the area.

In the region, the aftermath of the conflagration that shook all California and swept nearly 3000 homes in the Wine Country. To put the record straight, this translates to about 5% of the homes. Still shaken by what happened, Wine Country’s housing market saw the inventory drop significantly. The inventory has never been so low as witnessed in the market. Clearly, the fire set off one very large scuttle for housing units that continues to be felt.

for this is that people aren’t rebuilding. Rather than building, most people who lost their homes to the fires prefer purchasing.

In November and December last year, home buyers purchased a record of $738 million in houses and the condominiums. For the last 5 years, Wine Country market has been marked by some unrelentingly rising prices with a stable or declining sales and a limited supply of inventory.

This further indicates a very possible scenario where more residents will want to list their homes for sale this summer if they are thinking to vacate the region in the next few years.

Nonetheless, the market remains comparatively uncongenial to the sellers who want to stay in the country. Buyers are not lacerated from the equation, especially for those looking for somewhat smaller homes. Given the competition, most buyers find the few houses to choose from and the more a buyer downsizes the more he gets deeper and deeper into the stiffer competition.

The housing demand continue to rise higher by the day and perhaps a possible explanation

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APRIL HARRIS

MLS # 01988009 Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 april.harris@thepowerisnow.com www.thepowerisnow.com

3600 Shoreline View Wy , Kelseyville 95451 2 Bedrooms, 3 bathrooms, 2,486sqft, 6,806sqft lot, $170.96/sqft Price: $425,000

Preferred Lender

Imaging waking up to a view of Clear Lake overlooking the Konocti Harbor Resort and Spa! When the Spa re-opens, enjoy free outdoor concerts!! AS-IS “Diamond in the Rough� custom home with a Million Dollar View at a fraction of the cost. Remodel began; the NEW OWNERS can refine the finishing touches. The floor level boasts a two car garage and large shop area in the garage. The lower level entrance begins with a bonus room/ library, a bedroom with full bath (recently remodeled with wood flooring, tile and new bath fixtures and lighting).

ERIC LAWRENCE FRAZIER, MBA CA BRE: 01143484 | NMLS 461807 Phone: (800) 401-8994 x 703 Direct: (714) 475-8629 eric.frazier@thepowerisnow.com www.thepowerisnow.com

3965 Oak Av Clearlake 95422

2beds

2baths

2,208 sqft 9,855 sqft lot Built in1971

APRIL HARRIS

MLS # 01988009 Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 april.harris@thepowerisnow.com www.thepowerisnow.com

$249,000

$112.77/sqft

OFFERED AT $55,500

APRIL HARRIS

CalBRE # 01988009 Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 april.harris@thepowerisnow.com www.thepowerisnow.com

ALEXANDRA PHILLIPS

CalBRE # 01987453 Phone: (800) 401-8994 x 753 Direct: (707) 494-2028 alexandra.phillips@thepowerisnow.com www.thepowerisnow.com

11733 Rose Anderson Rd Middletown 95461 Bring plans for your dream home in the Historic Anderson Springs Community that is thriving and rebuilding! This oversized corner lot is ready for construction. Never developed with healthy, mature trees remaining after the fire. Community sewer hookup service is already accounted for when new system is operational, water connection is in place. Within a short distance for a nature walk to the spring which runs through the community or to the clubhouse/pool.

Owner may be willing to sell adjacent lot to expand your estate, which has a septic system in place.

19734 Park Hill Rd | Middletown 95467

$39,900

BRING YOUR PLANS, CAMP GEAR and GOLF CLUBS to build your lovely private estate w/ possible in-law unit! These combine lots (141-461-04 and 141-461-03, must be sold together) total .65 acres of never developed land in the exclusive community of Hidden Valley Lake. The land is situated centered on a short street with a panoramic view of Cobb Mountain and Mt. Saint Helena. Mature trees provide a canopy of shade.The community hosts lots of special features such as a community center, horse trails and a KOA campground. Located a short distance to the 18-hole golf course/ Pro Shop, shopping center and the historic community of Middletown, situated at the southern Gateway to Lake County. Hidden Valley Lake is a reasonable commute to the Bay Area, Napa and/or Sonoma Counties to the south or Colusa and Yolo Counties to the North. Soil analyses on file, water hookup, electricity, cable and phone are available.

APRIL HARRIS

CalBRE # 01988009 Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 april.harris@thepowerisnow.com www.thepowerisnow.com

ALEXANDRA PHILLIPS

CalBRE # 01987453 Phone: (800) 401-8994 x 753 Direct: (707) 494-2028 alexandra.phillips@thepowerisnow.com www.thepowerisnow.com

2360 Spring Valley Rd - Clearlake Oaks 95423

$35,000

• 0.211 acres • $165,877 Per Acre

APRIL HARRIS MLS # 01988009 Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 april.harris@thepowerisnow.com www.thepowerisnow.com

ALEXANDRA PHILLIPS

CalBRE # 01987453 Phone: (800) 401-8994 x 753 Direct: (707) 494-2028 alexandra.phillips@thepowerisnow.com www.thepowerisnow.com

This is a rare find for Spring Valley -- water available, soil test on file and architectural plans for a 3/2 home comes at this very affordable price. Corner lot with flat terrain with mountain views. Easy access to HWY 20 -- within 2 hour of Sacramento and San Francisco. Enough room for 4-H and FFA projects; close to the Cache Creek Winery to entertain out of town guests.

APRIL HARRIS

MLS # 01988009 Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 april.harris@thepowerisnow.com www.thepowerisnow.com

Great opportunity to build a home on a major thoroughfare in the City of Clearlake. A little bit of country in a growing metropolitan area of Lake County. Just blocks from major shopping center, banking institutions, movie theater, restaurants and the lake; just seconds off the main highway.

Easy access from Hwy 20 corridor (from Colusa or Sacramento) or from Highway 29/53 intersection (from Napa/ Sonoma Counties).

Fairly priced for a quick sell.

About 3398 Brown St , Clearlake 95422 Price: $22,000 Lot Acres: 0.1148 $/Acre: $191,638 Lot SqFt: 5,000 ALEXANDRA PHILLIPS

CalBRE # 01987453 Phone: (800) 401-8994 x 753 Direct: (707) 494-2028 alexandra.phillips@thepowerisnow.com www.thepowerisnow.com

LOTS/LAND LISTINGS 20458 E State Hwy 20 , Clearlake Oaks 95423

$475,000 A rare opportunity to own 249+ acres located above State Highway 20, east of Spring Valley.100+ plant-able acres. Expansive holding with panoramic views, behind a locked gate. Multiple sites for potential building(s). This property has rolling hills, gullies, seasonal springs, scrub brush, oak and pine trees (in clusters to provide necessary cover during summer months and inviting meadows for grazing and/or picnics. Purchased decades ago as a family hunting camp. Unlimited opportunities as a family retreat/ farm, vineyard, orchard, etc.

APRIL HARRIS BRE # 01988009 Office: 800-401-8994 x 717 Direct: 707-814-5457 Email: april.harris@thepowerisnow.com

LOTS/LAND LISTINGS A P R I L H ARRIS BRE # 01988009 Office: 800-401-8994 x 717 Direct: 707-814-5457 Email: april.harris@thepowerisnow.com

3391 Boxwood St , Clearlake Park 95422

$5,000

A lot in one of the last under-developed in Clearlake. Lots of potential with few neighbors and within walking distance to the elementary school and a short distance to the lake, park, restaurants and shopping.

5,232 sqft lot, 0.12 acres, $0.96/sqft

3730 Koloko St , Clearlake 95422

$9,500

Vacant lot in an established community not far from Austin Park and Clearlake PD. Close to shopping, restaurants and other amenities.

4,636 sqft lot, 0.11 acres, $2.05/sqft

$55,000

5718 PONCA WY

0.209 acres $263,158 per acre

APRIL HARRIS

CalBRE 01988009

(800) 401-8994 x 717

$25,000

KELSEYVILLE 95451

(707) 814-5457

www.thepowerisnow.com april.harris@thepowerisnow.com

9548 TIMBERLINE CT KELSEYVILLE 95451 0.1424 Acres • $175,562 Per Acre

APRIL HARRIS

CalBRE 01988009

(800) 401-8994 x 717

(707) 814-5457

www.thepowerisnow.com april.harris@thepowerisnow.com

IS THIS THE RIGHT TIME TO BUY IN OAKLAND?

O

ver the last 6 years, Oakland and the Bay Area in general has seen house prices upsurge and continue to soar to vertigo-inducing heights. This is a real cause for concern, and the reality is, with these prices, most people will be priced out. What is even surprising is that the prices might not come down any time soon. The house prices in the U.S have almost doubled, while the median household income has barely moved, meaning that a typical worker purchasing a typical home would require to work over 2 or even 3 times the standard work hour to get approved for a home.

The good times started in 2012 and since then, Oakland and the Bay Region has seen its homes gain value year-over-year setting a record of 70 straight months. It’s been 6 years now, the housing market in the region seems to be stronger than ever. Oakland just like other regions in California, has experienced a shortage in supply and therefore, there aren’t enough houses to support the ever growing exigence for housing, this has led to prices rising significantly.

Market trends The median home value in Oakland is $760,157 according to Zillow, this represents a yearly rise of 12.6% and the company also predicts that the home prices will rise by 6.3% in one years’ time.

The general consensus is that Oakland house prices might continue to rise even further in the coming months.

Is 2018 a good year to buy? Definitely, yes. To the extent that the prices are in question, 2018 is may be the best chance to purchase a home.

As projected by most real estate companies, the house prices will continue to rise and the buyers who postpone their purchase for a later date should be wary of this.

Apart from prices, mortgage rates are another eminent consideration that buyers have to make. Again here, the forecasts for the mortgage rates show a gradually increasing cost for the rest of the year, which means, mortgage rates shoppers can’t catch a break, at least, not yet. By historical standards, the rates are still low but the 30-year mortgage rate peaked high past the multi-year high and

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there isn’t much to stop it from rising even higher.

Refinancing homes seems like a feasible option to most as trends show that home buyers are snapping at the instant the home is available.

According to data by Freddie Mac, mortgage rates just took on another level as they surpassed a barrier not broken in more than four and a half years.

may be the best chance for you to make your home purchase.

Since August 2013, the rates were persistently below 4.58%. The 30-year fixed rate average is up 80 basis points compared to the lows reached in the last quarter of 2017. This means a lot for the buyer since they will have to pay nearly $150 per month for a $350,000 home with a 10% down.

The housing inventory in Oakland comes as a no surprise. It is the situation witnessed in all over California. A balanced real estate market has about 6 months of supply and in October last year, Oakland was reported to have an insufficient 1.4 monthly supply of homes, which is very low compared to the national average and even as we move on, the sellers’ market is a market that needs to be put under scrutiny.

Among the top competitive counties in the country, Oakland happens to be among the top.

The real estate market is doing considerably well, it is a county where homes sells quickly and often above the list price. Currently, the median price of homes in Oakland is $649,000 while the median price for the sold homes is $700,500.

Putting all these factors into consideration, 2018

thepowerisnowrealestateservices.com

Sources; https://www.zillow.com/oakl and-ca/hom evalues/# https://www.mercurynews.com/2018/02/28/ b ay-area-hom e-prices-continue-to-rise-inrecord-breaking-streak/ https://www.bizjournals.com/s anfrancisco/ news/2018/02/08/bay-area-p aragon-interestrates-ipo.html h t t p : // w w w . a l a m e d a m a g a z i n e . c o m / J anuary-2018/Bay-Area-Real-Estate-Exper tsPredict-a-Modest-2018/ h tt p s : //them or tg ag er ep or ts .com /3 2 6 67/ m or t g a g e - r a te s - for e c a s t - fh a - va - us d a conventional

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CHARLENE NEELY BRE # 01235710 Office: 800-401-8994 x 740 Direct: 510-435-0648 Email: charlene.neely@thepowerisnow.com

2912 Meadow Creek Rd, Clearlake Oaks $35,000 Bare land, facing Views in nice neighborhood.

ACRES: 0.271 | $ PER ACRE: $129,151

Home Ownership

Home ownership brings stability to individuals and families who have never had a dwelling place that they could call their own. There is something special about owning real estate that is unlike anything else on earth you can own.

Real Estate you own is not like cars that decay over time and you have to replace them.

Real Estate you own is not like clothes that go out of style and you have to buy new ones.

Real Estate you own is not like expensive vacations or experiences that only last a moment in time.

Real Estate you own is not like an apartment where the landlord may increase the rent until it’s no longer affordable.

Real Estate you own is not like staying at your parents house where you know can’t stay forever.

Home ownership is the beginning of wealth that increases over time and becomes your estate & legacy Home ownership is the pride of a mother nurturer and the kitchen her domain Home ownership is the pride of a father provider and protector of his territory and family.

Home ownership is the foundation of permanence and the place where life happens, birthdays celebrated, deaths mourned.

Home ownership is the place you build memories that can never be taken from you.

Memories etched in walls and concrete, experienced in rooms and floors, Memories living in trees and shrubs planted by your hand.

Howe ownership is the manifestation of you - your style, your colors, your smell, your stuff, your junk, your memories, your yard and your spaces, your life.

It’s the height markers on your first child’s bedroom wall.

It’s the hearts drawn in the concrete slabs when you pour your patio floor It’s the birthday parties, and anniversaries in the living room and kitchen.

It’s the back yard barbecue with friends, neighbors and family contentions it’s the high school and college graduation, and wedding receptions Its’ the family nights and block parties and the fellowship of family connections Home ownership It’s more than real estate. Land, brick and mortar, wood frame construction and chicken wire.

It’s more than money saved, gifts recieved and grants obtained It’s more than the debt you incur to buy it.

It’s more than the payments you make to own it.

It’s more than the appreciation that comes with keeping it over time.

It’s memories, it’s family, and it’s life that can happen in one place Until you say it’s time to move.

By Eric Lawrence Frazier MBA CA BRE 01143484 | NMLS 461807

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