Friday, September 30, 2011

Top Producing Agents August 2011

In addition to annual awards we also honor our top producing agents each month with an "Agent of the Month" and the "On Track Club". The "Agent of the Month" award is given to the top Listing and Sales agent each month. To become a member of our "On Track Club" an agent must achieve at least 5 listings or sales per month.

Congratulations to our top agents for August 2011!

JD Yeager
Listing and Sales Agent of the Month
(229) 740-0978
jd@jdyeager.net

Victoria Copeland
On Track Club
(229) 630-0826
karen@era4sale.com

Blake McLeod
On Track Club
(229) 251-1817
blake@era4sale.com

Danny Metcalf
On Track Club
(229) 412-1613
danny@era4sale.com

________________

Buying or selling a home is the largest transaction you'll complete; you want the best agent available. Give one of these agents a call!

Visit our website at era4sale.com for all your Valdosta Real Estate needs. You may also reach us at (229) 241-8884 or info@era4sale.com.

Wednesday, September 14, 2011

Top Producing Agents July 2011

In addition to annual awards we also honor our top producing agents each month with an "Agent of the Month" and the "On Track Club". The "Agent of the Month" award is given to the top Listing and Sales agent each month. To become a member of our "On Track Club" an agent must achieve at least 5 listings or sales per month.

Congratulations to our top agents for July 2011!

JD Yeager
Listing and Sales Agent of the Month
(229) 740-0978
jd@jdyeager.net

Karen Dennis
On Track Club
(229) 563-5121
karen@era4sale.com

Danny Metcalf
On Track Club

(229) 412-1613
danny@era4sale.com

________________

Buying or selling a home is the largest transaction you'll complete; you want the best agent available. Give one of these agents a call!

Visit our website at era4sale.com for visual tours and all your Valdosta Real Estate needs. You may also reach us at (229) 241-8884 or info@era4sale.com.

Wednesday, July 6, 2011

Top Producing Agents - May 2011

In addition to annual awards we also honor our top producing agents each month with an "Agent of the Month" and the "On Track Club". The "Agent of the Month" award is given to the top Listing and Sales agent each month. To become a member of our "On Track Club" an agent must achieve at least 5 listings or sales per month.

Congratulations to our top agents for May 2011!

JD Yeager
Sales Agent of the Month
(229) 740-0978
jd@jdyeager.net

Blake McLeod
Listing Agent of the Month
(229) 251-1817
blake@era4sale.com

Victoria Copeland
On Track Club
(229) 630-0826
vcopeland@bellsouth.net

Karen Dennis
On Track Club

(229) 563-5121
karen@era4sale.com

Tony LaMarca
On Track Club

(229) 292-2482
tony@era4sale.com

Janice MacMillan
On Track Club

(229) 834-0946
janice@era4sale.com

Dianne Parrish
On Track Club

(229) 563-6507
dianne@era4sale.com

________________

Buying or selling a home is the largest transaction you'll complete; you want the best agent available. Give one of these agents a call!

Visit our website at era4sale.com for visual tours and all your Valdosta Real Estate needs. You may also reach us at (229) 241-8884 or info@era4sale.com.

Thursday, June 16, 2011

Free Credit Report Online - Or Fishing Bait?


It’s safe to say that almost everyone in America has seen or heard a commercial for free credit reports. Watch an hour of national television anytime during the day, and you’re virtually guaranteed to see a commercial about credit reports.

But did you know that most of the offers for the so-called free reports are actually lures to sell other products? It’s true, and that’s the subject of this eye-opening article — the latest installment of our dirty little secrets of the credit industry.

Free Credit Reports Online - The Real Source

Let me start with the most important premise of this article, and then we can build from there. By law, you are entitled to one free credit report per year, from all three of the reporting agencies (Experian, TransUnion, Equifax). When I refer to “laws” in this context, I am talking about the Fair Credit Reporting Act. This is a federal law enforced by the Federal Trade Commission, and it regulates everything related to credit reports and reporting.

But there is only one official website that’s mandated and regulated by the FTC, and that is where I recommend you go to get your free credit reports online. That website is AnnualCreditReport.com.

So what is the fishing bait I mentioned in the title of this article, and what does it have to do with free credit reports online? Well, a lot of companies offer your free reports through their websites — but only when you sign up for some kind of credit monitoring or identity-theft prevention service. So while there is only one official website where you can get your free reports, there are literally thousands of other sites that offer freebies in conjunction with some kind of monthly service.

I’m not saying these monthly services are bogus. On the contrary, some of them do offer a good level of protection against credit fraud and identity theft. All I’m saying is that you can get your free credit reports from all three bureaus once a year, without signing up for anything at all. It’s required by law, and you can do it through the website I mentioned earlier in this article.

© 2011, Brandon Cornett. All rights reserved
_________________________

Visit our website at era4sale.com for visual tours and all your Valdosta Real Estate needs. You may also reach us at (229) 241-8884 or info@era4sale.com.

Monday, June 13, 2011

5 Key Concepts of Home Insurance


If you plan to buy a home in the near future, you should be researching the various components of homeowners insurance. Why? Because you’ll need to have a policy in place by the time you close on the house. In fact, your lender will require you to provide proof of insurance on closing day.

This article offers a solid introduction to the world of homeowners insurance. We will cover several key concepts you need to understand before you start shopping for insurance.

Here are five important things you need to know:

1. Understanding Premiums and Deductibles

Here are two key definitions you should know, before we go any further: The home insurance premium is the amount you pay for the policy. The deductible is what you’ll have to pay if you ever make a claim against the policy, before the insurance company will pay the rest. If you can keep these two definitions in mind, everything else will make more sense. Let’s move on to discuss the relationship between these two things.

2. Raising the Deductible Can Lower the Premium

Premiums and deductibles generally have an inverse relationship. This means you can lower your premium (the amount you pay every year) by raising your deductible. A lot of financial experts recommend this very strategy, as way of lowing the overall cost of insurance.

According to the Insurance Information Institute: “If you can afford to raise your deductible to $1,000 [as compared to the standard $500 deductible], you may save as much as 25 percent.”

3. There are Other Ways to Control Costs

So how much does a homeowners insurance policy cost, anyway? In the United States, the average policy costs about $800 per year. This is just for the premium, which is the amount you pay year after year. Deductibles vary from one policy to another, and they can be raised or lowered by the insured party.

You can lower the cost of coverage by increasing your deductible amount (mentioned earlier), by shopping around for competing offers, and by getting a multi-policy discount from your current insurance company.

4. Replacement Cost is Better Than Cash Value

When you choose a home insurance policy, you will probably be asked to choose between replacement cost and actual cash value (as they pertain to your belongings). Replacement cost offers more protection, because it will replace the items you have lost with comparable items — even if they are worth more today than when you bought them.

Take a big-screen television, for example. If you lose a model that’s ten years old, it’s possible that a newer but comparable model will cost hundreds more than what you paid for your older model. Replacement-cost coverage will pay the higher amount. Cash-value coverage will only give you what you paid, ten years ago.

5. Flood Protection is Extra

Did you know that most homeowners policies do NOT offer flood protection? It’s true. So if you live in an area where there’s a reasonable risk of flooding, you should get a separate policy or a “rider” for flood coverage. You can learn more from the federal government’s website at FloodSmart.gov.

These are the most important concepts to keep in mind when shopping for homeowners insurance. Obviously, there is more to the picture than what is discussed in this article. But if you keep these concepts in mind, you’ll have a much easier time choosing a policy.

© 2011, Brandon Cornett. All rights reserved

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Visit our website at era4sale.com for visual tours and all your Valdosta Real Estate needs. You may also reach us at (229) 241-8884 or info@era4sale.com.

Wednesday, June 1, 2011

Top Producing Agents for April 2011

In addition to annual awards we also honor our top producing agents each month with an "Agent of the Month" and the "On Track Club". The "Agent of the Month" award is given to the top Listing and Sales agent each month. To become a member of our "On Track Club" an agent must achieve at least 5 listings or sales per month.

Congratulations to our top agents for April 2011!

J. D. Yeager
Listing & Sales Agent of the Month

(229) 740-0978
jd@jdyeager.net

Karen Dennis
On Track Club

(229) 563-5121
karen@era4sale.com

Tony LaMarca
On Track Club

(229) 292-2482
tony@era4sale.com

Danny Metcalf
On Track Club

(229) 412-1613
danny@era4sale.com

Buying or selling a home is the largest transaction you'll complete; you want the best agent available. Give one of these agents a call!

_________________________

Visit our website at era4sale.com for visual tours and all your Valdosta Real Estate needs. You may also reach us at (229) 241-8884 or info@era4sale.com.

Thursday, May 26, 2011

3 FHA Loan Myths


FHA home loans are a popular financing strategy for home buyers. They’re especially popular with first-time buyers who don’t have much of a down payment saved up. But FHA loans are also commonly misunderstood. Here are some of the biggest misconceptions about these loans.

But first, a quick definition. An FHA loan is simply a mortgage loan that’s insured by the Federal Housing Administration. The FHA is part of the Department of Housing and Urban Development, better known as HUD. This government agency insures mortgage lenders against losses resulting from borrower default. This makes the lenders more inclined to use the program, and to give loans to people who might not otherwise qualify for a mortgage.

Myth #1: Anyone can qualify for an FHA loan.

Truth: Not everyone will qualify. Generally speaking, it’s easier to qualify for an FHA home loan than a conventional mortgage loan. But that doesn’t mean they’re available to everyone. In fact, the Department of Housing and Urban Development (HUD) has recently tightened-up their lending standards for FHA loans. One of the changes affects people with low credit scores. If your credit score is below 580, you’ll have to make a larger down payment. If your score is way below 580, you probably won’t get approved for the loan. With good credit, you’ll still have to make a down payment of at least 3.5% to get approved. You’ll also need to document your income and expenses, to show that you can afford the monthly payments.

Myth #2: You can get an FHA loan with no money down.

Truth: In the current economy, you can’t get any kind of loan without making a down payment of some kind. The days of “easy credit” and “no money down” disappeared when the housing bubble burst. The minimum down payment for an FHA loan is currently 3.5%. And, as mentioned earlier, you’ll need a credit score of 580 or higher to qualify for the 3.5% down payment. If your score falls below that cutoff point, you’ll have to put 10% down.

Myth #3: FHA loans are safer, because the government will bail you out if you fall behind.

Truth: Wishful thinking. If you fall behind on an FHA home loan, you can be foreclosed upon — the same as any other type of loan. Remember, the FHA is not the one giving you the money. You must apply for one of these mortgages through an FHA-approved lender. The government just insures the lender against losses resulting from borrower default. So the lender can still foreclose on you, if you fail to make your payments. As an FHA borrower, you might have more workout solutions and modification options available, but that’s about it. The FHA will not “bail you out.” So make sure you buy an affordable house!

Federally insured loans offer certain advantages to home buyers. But they are not a risk-free path to homeownership. As a borrower, you are still responsible for making your payments on time. If you would like to learn more about FHA loans and how they work, refer to the resource links provided above.

© 2011, Brandon Cornett. All rights reserved.
_________________________

Visit our website at era4sale.com for visual tours and all your Valdosta Real Estate needs. You may also reach us at (229) 241-8884 or info@era4sale.com.