Realtor Spotlight 2022

the ELEMENT age Lending in Mortg

2 0 2 2 Q U A R T E R LY E D I T I O N

INSIDE THIS ISSUE: Take this advice from

CAREER COACHES

Follow the billionaire’s advice

HEALTH in the NEWS

Keep your diet balanced with this simple advice

Still a CHAMPION

Realtor Spotlight

A HERO OF THE PANDEMIC

Myra Logan

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

REALTOR in the Spotlight Myra Logan is a full-time Real Estate agent with an extensive background in real estate sales, and truly enjoys providing exceptional service to her clients. Myra is a strong negotiator, getting her clients the best deal possible on the purchase or sale of their home and understands that Real Estate goes beyond providing an outstanding level of service in the transaction.

Representing each one of her clients with the highest level of expertise and integrity is a priority.

Myra Logan EXP Realty 704-619-8504 myra.logan@exprealty.com

Myra has serviced clients in the Charlotte area since 1998. Her extensive knowledge and experience coupled with her passion to help has contributed to her longevity and growing her list of clients. Mastering each intricate part of the process of a transaction along with solid relationships she has nurtured in the industry account for her track record and ability to close many transactions over her career.

Myra and her team of real estate professionals specialize in residential real estate representing both buyers, sellers and investors as well as extensive work with sellers experiencing Short Sale, Pre-Foreclosure and Foreclosure homes offering resources.

The Right Agent makes a difference!! Finding the right real estate broker for you is very important. It makes all the difference in a stress-free home buying or selling experience and an unpleasant one. She prides herself on being the right agent.”

“

All of my experiences with having Myra as my Realtor have been amazing. She was once my neighbor over 25 years ago when both she and I had purchased our first home. After beginning her career, she not only assisted my wife and I with selling our home, but with purchasing a larger house as our family had grown due to having twins. We also had an interest in obtaining property for rental purposes. Of course, we put our trust in Myra and she was able to meet our needs.

Unfortunately, my marriage ended, but the personal and professional relationship that my ex-wife and I had with Myra never has. She helped us overcome some obstacles by selling our rental property as well as the 2nd home that we had purchased. Not only that, but she helped my ex-wife find and purchase a townhome that she currently owns.

After I was able to reestablish my credit, I contacted Myra to let her know that I too was once again ready to purchase a house. Without hesitation, she went straight to work to find what I was looking for. No matter how busy she may have been, Myra always found the time to show homes to me or just answer any questions that I had. It’s because of her knowledge of the market that I’m now a happy homeowner. I have and always will recommend Myra to anyone seeking to either purchase or sell a house!

George A. Foust

”

2 | www.elementfunding.com

Finish Your Basement Combine a purchase or refinance with renovation funds in one loan.

Our HomeStyle Renovation loan lets you finance renovations, repairs or improvements to your home when you buy or refinance. That means you have only one loan, one closing and one monthly payment.

HomeStyle Renovation loan highlights: • Repair or renovate anything permanently affixed to the property • Purchase appliances as part of an overall substantial remodeling project • Build outdoor structures when allowed by zoning regulations • 15- or 30-year fixed rate • Qualify with a minimum credit score of 620

Contact us today to turn your house into a dream home. www.TheMortgagePlanner.net | 855-4-THE PLAN OR 704-728-0191 Brad Roche

Element Funding | Regional Manager PRMI | Chairman’s Club NMLS# 135191 200 North Harbor Place Suite G Davidson, NC 28036 (704) 929-7718 Office 704-728-0191

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

Element Funding is a Division of Primary Residential Mortgage, Inc. NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1.NMLS# 135191

3 | www.elementfunding.com

Take this advice from

CAREER COACHES

A good career coach can offer expert advice, even in the midst of a pandemic. The Make It website shares the tips some coaches have been giving their clients through the tumultuous months of COVID-19: • Give up a little control. Don’t try to keep an eye on everything. Decide what’s important, concentrate on that, and let the rest slide a little.

It’s better for your stress levels, and gives you a chance to relax.

• Control what you can. Don’t give up completely, though. Keep a handful of priorities front and center, and maintain your focus on

them so you don’t lose the progress you’ve made in your career so far.

Choose what you react to and don’t waste your time and energy on nonessentials.

• Show up. Keep working on what’s important. Tackle each project as it comes, attend meetings, and stay up to date on what’s happening in your organization and industry.

You’ll feel better about yourself— and present a positive image to others—if you keep doing the work you’re known for.

• Plan for failure—and success.

Anticipate things that could go

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wrong at work—missing a deadline, losing a client, getting fired—and develop plans to overcome setbacks. At the same time, think ahead so you can capitalize on success when it happens, maybe by investing an unexpected bonus or expanding a relationship with a client.

• Take care of yourself first. Think about the instructions given on airplanes—put your own oxygen mask on first before helping anyone else. Concentrate on your own survival first so you’re in a position to help other people when things get better.

Element HOME I am fortunate enough to have been granted a front row seat in witnessing the amazing feats that Element Funding has accomplished over the last eleven years. None of which would have been possible without the hard work and commitment of our treasured associates, referral partners, and great customers. I’m proud to relay our biggest accomplishment to date, making the dreams of homeownership a reality with over 8 Billion funded and over 35,000 families.

At Element, we believe in the importance of family. We fully realize that buying a home is the singularly most emotional and greatest financial purchase that a family will ever make. To that extent, we place an incredible amount of emphasis on never missing a closing date. This all leads back to our strong belief in the importance of keeping our promises.

We celebrate our associates, referral partners and customers with gatherings and consistent communication. We promote and embrace the concept of “lender for life” and want our customers and partners to think of Element Funding anytime they, or a family or friend of theirs, has a housing finance need. Element embraces technology that not only helps our valued customers but allows Element loan officers to keep our customers informed on the latest real estate finance trends.

We look forward to continuing this fantastic journey with you.

Larry W. Sutton, Jr. Element Funding Division President

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Still a champion Charlie Boswell was an all-American athlete who was offered professional contracts in both football and baseball. But when WWII erupted, Charlie enlisted in the military and was assigned to a tank division.

During a battle in Europe, a shell hit Charlie’s tank. As the tank burned, he made sure everyone else got out safely.

A second shell hit, throwing him 50 feet, breaking his bones and burning his body.

After a weeklong coma, Charlie woke up in a hospital and learned that he’d be blind for the rest of his life.

Refusing to be discouraged, he worked hard at his rehabilitation, learning to live in a world of darkness.

One day a friend came to visit him. “Would you like to play some golf?” he asked.

“How in the world can I hit a golf ball when I can’t even see it?” Charlie asked, but the friend was persistent.

He took Charlie to a golf course, showed him how to hold and swing a club, and let him hit the ball.

Charlie’s first drive traveled 200 yards straight down the fairway.

Charlie began training, and slowly his abilities improved.

Ultimately Charlie won a world championship, shooting a 38 on nine holes.

The moral, as the Conscious Panda website puts it: There is always an alternate route if you just have the will to find it.

Follow the billionaire’s advice Billionaire Warren Buffett has plenty of good ideas for getting rich—or at least, doing better financially.

Here’s some of his savvy advice, from the Ascent website: • Save before you spend. Resist the temptation to buy things whenever you have a little extra money.

Make a habit of putting some of it into savings and investments to start growing your wealth.

• Be prepared. You can’t anticipate every setback.

Maintain a solid emergency fund so you can respond quickly to unexpected financial problems.

• Invest for the long term. Don’t invest in a stock in hopes of a quick payoff. Look at everything you buy as if you’re going to hang onto it for 20 years.

Patience wins over time.

• Invest in yourself. Go back to school for an advanced degree or take an online course to master new skills. The greater your knowledge, the more you can accomplish.

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Recipe:

Pink Kiss Cookies

Celebrate Valentine’s Day with a special pink kiss cookie! The kids will love them.

Ingredients

1 box cake mix 8 tbsp butter melted 1 egg 1 tsp vanilla 4 oz cream cheese softened Pink food coloring Pink sanding sugar Hershey’s kisses

Directions

Take the wrappers off the Hershey’s Kisses and place them into the freezer. Combine the dry cake mix, butter, egg, and vanilla in a bowl. Mix until it forms into a dough. Add the cream cheese (you will want to make sure it is very softened) and mix in completely.

Add food coloring and mix well again.

Refrigerate the dough for 30 minutes to chill.

Grabbing a small amount of dough at a time, roll in the palm of your hands to form a ball. Roll the balls in sanding sugar and place on a greased cookie sheet.

Bake at 350 for 8 minutes.

Once you remove the cookies from the oven, place on a cooling rack. Press a Hershey’s Kiss into the center of each one.

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Health in the News

Keep your diet balanced with this simple advice Staying healthy, especially during the winter months, requires commitment, but it’s not all that complicated. Just remember these health and wellness tips from the Savvy Mom website: • Eat breakfast every day. Eating something in the morning helps kick your metabolism into gear. A piece of toast, some oatmeal, or a smoothie can help you wake up and feel energized for the day.

• Practice moderation. You don’t have to starve yourself or deny yourself your favorite foods. Just keep things in the right proportion. Eat slowly, and resist the temptation to binge. You’ll find yourself just as satisfied without stuffing your stomach.

• Stay hydrated. Water helps flush things through your system and makes you feel full. You can add some flavor to it with a slice of lemon or a drop of orange or cranberry juice if plain water is too boring.

• Monitor your emotions. Depression and anxiety can push you into overeating. Don’t wallow in guilt for having an unhealthy meal. Put it behind you and focus on maintaining a healthy routine going forward.

• Keep a food journal. Write down everything you eat. This helps you keep track of habits and patterns so you can make better choices during and between meals.

Lose weight the healthy way Losing weight isn’t a matter of not eating anything.

Starving yourself isn’t healthy, and it’s unsustainable in the long run. Parade offers these suggestions for taking off unwanted pounds safely for the long term: • Focus on fiber. Whole grains, fruits, and vegetables take longer to digest, so they keep your stomach feeling full longer than low-fiber foods. You’ll feel more satisfied after each meal.

• Concentrate on long-term progress. Don’t beat yourself up if every meal isn’t 100% healthy. That’s unrealistic, and expecting to never make a mistake will lead to despair and more unhealthy eating habits.

Give yourself permission to slack off a little bit. As long as you’re eating well 85% of the time, you’ll slowly but surely reach your goals.

• Plan your plate. Follow this plan when filling your dinner plate: One half vegetables, one quarter carbohydrate, and one-quarter fat or protein. This keeps portions under control and ensures you get the right balance of food.

• Drink lots of water. It’s easy to mistake being thirsty for feeling hungry. Drinking more water or other lowcalorie beverages can help you feel full and less inclined to snack.

• Remember your goals. Don’t obsess over trying to lose weight—focus on why you want to do it. Think about all the positive benefits of sticking to your plan—a better appearance, the ability to be more active, and so forth., This can keep you going when you feel like giving up.

• Enlist a support system. Don’t try to do it all on your own. Team up with friends also trying to lose weight and become healthier. This provides you with a morale boost and also some accountability. Talking about your struggles and successes can help you stay on track.

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A HERO OF THE PANDEMIC Many heroes stepped up to raise money to help people during the COVID-19 pandemic.

One of them, as told on the Baxter Restoration website, was Captain Tom Moore, a 99-year-old British veteran of WWII. He wanted to support Britain’s National Health Service.

He announced he would walk laps around his garden to encourage people to pledge money to his cause.

Moore promised to do 100 laps by his 100th birthday, hoping to raise $1,000.

Much to his surprise, Captain Moore became a hit on the internet, raising $33 million.

Photo by Peter Cziborra/Reuters

He’s still doing his laps.

Listening to the groundhog Most of us know the story of Groundhog Day. On Feb. 2, the legend goes, a groundhog that comes up out of its burrow to check the weather will go back inside if it sees its shadow, and winter will continue for six more weeks.

But if the sky is cloudy and it casts no shadow, the harsh winter weather is over.

So, keep an eye out for the groundhog’s report, and dress appropriately.

Punxsutawney, Pa., hosts the best-known Groundhog Day event, featuring “Punxsutawney Phil” (who gained fame in the 1993 film Groundhog Day), but other towns in Pennsylvania and Maryland hold similar celebrations.

Where does the legend come from? It may have origins in ancient European beliefs involving a badger or a bear as a weather forecaster, as well as the pagan festival Imbolc, whose traditions point to a bear or a serpent as a herald of good or bad weather. In the United States, Groundhog Day can be traced back to 1841, when a Pennsylvania shopkeeper wrote in his diary that that Candlemas day (Feb. 2) was the day on which, “according to the Germans, the Groundhog peeps out of his winter quarters and if he sees his shadow he pops back for another six weeks nap, but if the day be cloudy he remains out, as the weather is to be moderate.”

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FALL IN LOVE

Click for our Fall in Love video

Click for the February birthdays!

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TESTIMONIALS

Here’s what you had to say this month...

“

-Very easy process. Best was closing came to us - couldn’t have been simpler.

-The Brad Roche Group made our home purchase a very easy experience! Very informative and great communication throughout the process!

-Brad Roche is an excellent mortgage lender. He is efficient in communication and explaining the process. He is always there to answer any questions along the way.

His service is prompt and on point. I highly recommend Brad and his team for residential home financing and re-financing.

- Everyone was so great! The requests were timely and everything was on point. We moved along quickly, all questions were immediately answered and the team worked extra hard to get everything ready in time. They were amazing to work with!

-The home buying process is normally stressful but our experience was not that at all.

Everything was explained to is and made convenient for a family with a busy schedule.

- Excellent team, true professionals who provide top-notch levels of service to the client through the entire home buying experience.

Brad and Angela are highly recommended!

”

Thank you for your continued trust.

Anyone you know we may be able to help?

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PROUDLY PROVIDED BY Brad Roche

NMLS# 135191 400 North Harbor Place, Suites H-G Davidson, NC 28036 Cell 704-797-1365 Office 704-728-0191 TheMortgagePlanner.Net A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

A HIGH POWERED MORTGAGE COMPANY

with a hometown feel

TheMortgagePlanner.net Primary Residential Mortgage, Inc., DBA Element Funding, NMLS #3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. North Carolina Commissioner of Banks L-112833. South Carolina Department of Consumer Affairs MLS3094, As Element Funding MLS-3094 OTN#1. NMLS# 135191