The PIN Magazine July 2016

July 2016 Vo l . 0 3 | I s s u e 7

IN THIS ISSUE: • THE GUIDE TO BUILDING CREDIT • TRAGEDY IN ORLANDO

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EDITORIAL TEAM Eric Lawrence Frazier MBA Editor in Chief (800) 401-8994 Ext. 703 Kristina Mari Managing Editor (800) 401-8994 ext. 723 kristina.mari@thepowerisnow.com Goldy Ponce Arratia Graphic Artist and Design Manager (800) 401-8994 ext. 711 goldy.ponce@thepowerisnow.com Andrej Jovanovic Graphic Designer (800) 401-8994 ext. 713 andrej.jovanovic@thepowerisnow.com Nicholas Clarkson Director of Technology (800) 401-8994 ext. 704 nicholas.clarkson@thepowerisnow.com Scocrates Ayala Online Radio & Media Manager (800) 401-8994 ext. 709 socrates.ayala@thepowerisnow.com

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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: Kristina Mari ONLINE Web Designer: Nicholas Clarkson DESIGN Art Director & Design Manager: Goldy Ponce ADMINISTRATIVE Administrative Assistant: Kendra Gedeon

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ECONOMICS

LEGAL

24 Property Boundaries 101

YOU TECHNOLOGY

Part I 46 How to Buy a Flip Property and Know that the Home Has Had a Bone Marrow Transplant Versus Simply Put a Lipstick On?

4th of July at the Suisun Marina

40 The Power of Language

22 Stop Answering Your Phone -

14 The Guide to Building Credit

34 5 Ways Technology is Making Moving Easier

16 Tragedy in Orlando

FOCUS

REAL ESTATE

Issue...

THE VIP CORNER

In This

20 Lynell Holden:

From the Editor...

A

s we continue into this warm summer, our beloved country is in a full blown crisis that has been developing for some time.

We are all traumatized by the recent shootings and murders of unarmed black men by the police, the racist and incendiary commentary coming from the extremist on all sides, the killing of policemen as revenge for the deaths of these black men by an assassin, and the heated discussions that have raged these past few weeks on social media and around the world. We are also all frightened about what is next and the fear has no colorlines. Regardless of your gender, sexual orientation, or ethnicity you are and should be afraid of the path that we are on.

What is next? Race riots in the streets? The rise of extremist fringe group who have been marginalized are now seizing the opportunity to leverage these tragic events to propel their agenda of racism, hatred, violence and separation. We are all afraid of what is going happen next. None of us know what will happen, but we all know that the next event will be an escalation of what has already occurred.

Questions of right and wrong or who is to blame are surging throughout the media. Since when do we blame a movement for violence? We all know that there has never been a movement of any type, black or white, male or female, in the US or abroad, that did not have members of their cause that were prepared to act with violence and to die for their cause. These individuals act alone and do not represent that leaders of the movement or the movement itself for that matter. These men and women are also not endorsed or sanctioned by the movement or it’s leaders. They are lone assassins who have an agenda and a mission that is their own.

They move and act without the knowledge of the

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FROM THE EDITOR

movement or its leaders. But, we cannot deny that their actions are in support of the movement regardless their poor judgment or misguided attempt to support the movement. In spite of the violence and death black lives still do matter, but not for the purpose of disregarding or devaluing Blue lives, or White lives, Latio lives, Asian Lives, Muslim lives or any life for that matter.

Black lives matter is a statement and a mantra of the families and children whose loved ones have been killed while unarmed by the police.

The goal of the movement is to bring to the attention of the world the systematic murder of unarmed black men by police officers. That is it.

All lives matter, and right now we need to focus on equality for all.

The Civil Rights Movement really took off after the death of Martin Luther King Jr., and it has played an important role in moving America forward in race relations and equal opportunity.

But the police, who are rarely, if ever, held accountable for murder have set us back. The police have become, the judge, the jury and the executioner on the street. What can we do about this? Will legislation stop it? The problems of hate and intolerance will never go away through legislation. Legislation is necessary to ensure that those who break the law are held accountable but do we need more legislation to hold the perpetrators accountable? No. What we need are men and women in blue to move from behind the shield and to expose the men and women who are unfit to wear the uniform Let us not forget the real issue in spite of the and are perpetrating violence and murder on retaliation that has taken place and the lives black men and citizens that they are suppose to that have been lost. Black men are being shot serve. and killed while unarmed by the police. This must stop. Police officers are now being killed We will see real change when police officers in revenge. Even though there are a proportion who are witnesses of the evils in police work of police officers that are abusing their power, start to expose the perpetrators. Real change there are responsible police officers working to must come from within. We can march, write retain our safety while other officers threaten it. speeches and even boycott but until the head of This must stop and cannot continue. But will it? snake is cut off, the body of the snake will still Does anyone know? The men and women who live and keep regenerating. The Chief of Police have lost their lives to the police are casualties is accountable for the actions of its officers. of far too many unfit, untrained, undisciplined The field leaders are accountable. The sergeants and unsupervised police officers who have and lieutenants are all accountable. Until they dishonored themselves and the men and women identify the problem men and women on the who wear the uniformed by their actions. force and get rid of these bad cops the violence Thousands of men and women in uniform who and “accidental deaths� will continue. The have not been caught up in circumstances like deaths that are occurring on such a frequent this in their entire career. Hundreds of unarmed basis is not the result of a police training issue. black men are being shot down in the street The incidents where unarmed black men are by the police just this year alone. The issue is killed are the result of psychological problems clear, simple, verified by video, witnessed by and character defects that affects a very small thousands, and nothing is being done to stop the percentage of men and women in the police killing. It has to stop. force. It is happening to them for a reason.

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FROM THE EDITOR

These are people who lack restraint and common sense. Who are unable and ill equipped to make quick decisions that do not include shooting their gun. These are police officers who do not call for backup. They have a superman or cowboy attitude or a superiority complex and believe they can handle any situation. We need to weed these people out of the police force. There are thousands of officers in uniform that have never pulled a gun on a civilian. There are even more that have never discharged their gun or killed someone. These wild, untrained, unskilled, and unfit cops dishonor the profession and the Chief of Police and their leadership team are not doing enough to identify these people and get them out. Until that happens, we can expect business as usual with the police across the country.

We are due for change. As the heat rises during one of the hottest summers on record, I urge America to look toward solutions, not scapegoats. Blame cannot bring peace and harmony, but accountability and justice can. The police who have the power of life and death in their hand, because they can carry a gun and have the authority to kill, are responsible to manage that power so that we do not live in fear of the police but respect the police. There should be a difference between fear and respect. Right now the police are feared like gangs are feared, because they are out of control and unafraid of doing whatever they want to do because they are rarely held accountable. This must stop. Let’s pray for our leaders in law enforcement that they will do the right thing.

about the tragic events of late. How would each candidate deal with the recent tragedy and the turmoil it has caused? Both campaigns are falling short by the weak rhetoric and patronizing statements about race, gun violence and the police to please both sides of the issue.

Even the President is dialing back his comments as to not offend the police or black america. It is during times like this that I dislike politicians the most. I will not tell you how to exercise your right to vote, but I do ask that you thoroughly think through your options in light of recent events and consider a write in.

In this issue of The Power Is Now, we look back to the Orlando shooting and the horrible tragedy that it was. Let us pray for the victims and the families and pay attention to legislation in Congress. While the LGBT community gained the right to marry in the Supreme Court ruling, we must ensure that discriminatory legislation becomes taboo for all groups.

Of course this issue of The Power Is Now Magazine also includes your real estate database. We cover everything in this issue from the power of language to how technology is making moving easier. Ensuring that you have the necessary information to move through your real estate ventures from start to finish is essential, and I am ready to assist you. Email me at eric.frazier@thepowerisnow.com to talk to me one on one. Thank you for your dedicated readership; I look forward to speaking with you.

The Power Is Now!

Presidential campaigns continue, urging citizens to choose the candidate that will destroy the country the least. We are in trouble. I know that Eric Lawrence Frazier, MBA my opinion has been cemented after thinking Editor-In-Chief

july 2016

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ECONOMICS

THE GUIDE TO BUILDING CREDIT Everyone starts out in the same place when it comes to credit. Until someone opens his/ her first account, he/she has no credit history.

Unfortunately, no one seems to want to be the business that offers the first credit account, so it is often difficult for people to gain access to the benefits of having a credit history. The key to developing a strong credit profile is to start building it before you need it.

Opening an account with a credit card company is one of the best ways to create a credit profile.

If you cannot qualify for a Visa or MasterCard, then start out with a store credit card to help you build your credit. Just make sure you choose one designed for people with no or low credit and one that reports to at least one of the three major credit reporting agencies – Equifax, Experian, and Transunion.

1. START WITH A CREDIT CARD

To make the most of this credit card, use it for small purchases and pay off the balance or at least most of it each month. Always pay before the due date and do not let your payment be late or for less than the minimum required. It will take about six months before the account will be reported, but then you will have a credit history established.

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ECONOMICS

on time will also be reported, so you cannot be late if you want to establish good credit.

2. GET A SECURED CREDIT CARD

4. GET A PERSONAL LOAN

A secured credit card is often easier to get for a person with no credit history than a traditional or unsecured credit card. You just have to provide a deposit with the credit card company, and they will open a card account in your name. You can use this card just like a regular credit card, and the provider will report your payments to the credit agencies. Approval is easy because there is less risk for the credit card company.

The initial credit limit may be equal to the amount you paid in the deposit or the company may match it for a higher credit limit. Look for a company that allows you to get the deposit back after a series of on-time payments, which will turn the card into an unsecured card.

3. MAKE SURE RENT PAYMENTS GET REPORTED In the past, rent payments and utility bills were never reported to the credit bureaus, so you never got credit for paying your biggest bills on time. Now, you have options, but you often must be the one to take action. You can find several online sites where you can make your rent payments, and they will send the payment to your landlord.

A personal loan is another way to show you are responsible with credit. The easiest way to get a personal loan is through your local bank. Many banks will provide a small loan while using a savings account or certificate of deposit as collateral. As you make payments to repay the loan, they are reported to the credit bureaus.

These loans will typically be for small amounts of $1,000 or less, but you can usually qualify for a bigger loan once you pay off the first one. The terms are generally short, with most loans being due within a year or less.

5. GET A CAR LOAN Getting a car loan is rather difficult for people with no credit history. However, you can qualify for financing if you have a cosigner or if you make a large down payment. If you have someone willing to cosign on a loan, you can go to just about any dealer for approval. If you plan to try to get approved on your own, then you will want to shop around and ask about finance companies that work with no credit history. Establishing credit is not easy, but it can be done. The key is to responsibly manage your new credit to ensure you are building a positive history. After a year or longer, many doors will be open to you with your newfound credit score, but the first step is to start building credit.

One of the most popular is WilliamPaid.com.

The site reports your monthly payments to Experian. Of course, failure to make payments

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FOCUS

TRAGEDY IN ORLANDO Orlando, Florida was a city with a very different reputation before the night of June 12, 2016.

The happiest place on Earth turned into a place of fear, hate, and death.

Nicknamed “The City Beautiful� Orlando is home to several major theme parks and has even been referred to as the theme park capital of the world. A city that has long been known as a major tourist destination will now likely be known for something very different.

By now the news has circulated, and you all know of the gunman that attacked the Pulse nightclub in Orlando. I will not mention his name here, for this blog is not for him. I will not showcase the hatred and prejudice of

july 2016

this individual, encasing his name in infamy- no.

In this blog we are going to be talking about the victims.

Everyone has a story; some stories are stopped short by an individual with a legally purchased firearm. No one knows this better than the families of these forty-nine young men and women that were murdered in Pulse that night. These men and women that were killed in the deadliest mass shooting in modern U.S. history have been condensed into a number: 49. While I cannot know what these people were thinking when their futures were taken from them, I know that this cannot happen again (Orlando Shooting CNN

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Coverage).

Of course, this tragedy has sparked debate instantly, but there is an important piece that we must all understand. There is no democrat or republican in light of such a tragedy; this is a human issue. This is a piece of history that still hurts and should be treated as such. Yes, action must be taken, because this American gunman is no stranger to us. As movie theaters, schools, and nightclubs become cemeteries, I cannot help but worry for myself and my family to somehow be caught in this kind of tragedy. It can happen to anyone as it happened to the unsuspecting friends, sons, daughter, sisters, brothers, fathers and mothers at this nightclub.

FOCUS

Edward Sotomayor Jr., 34, Sarasota, Fla. Stanley Almodovar III, 23, Clermont, Fla Juan Ramon Guerrero, 22 Eric Ivan Ortiz-Rivera, 36, Orlando, Fla. Luis S. Vielma, 22, Sanford, Fla. Peter O. Gonzalez-Cruz, 22 Luis Omar Ocasio-Capo, 20 Kimberly Morris, 37 Eddie Jamoldroy Justice, 30 Darryl Roman Burt II, 29 Deonka Deidra Drayton, 32 Anthony Luis Laureanodisla, 25 Jean Carlos Mendez Perez, 35 Franky Jimmy Dejesus Velazquez, 50 Amanda Alvear, 25 Martin Benitez Torres, 33 Luis Daniel Wilson-Leon, 37 Mercedez Marisol Flores, 26 Xavier Emmanuel Serrano Rosado, 35 Gilberto Ramon Silva Menendez, 25 Simon Adrian Carrillo Fernandez, 31 Enrique L. Rios Jr., 25 Miguel Angel Honorato, 30 Javier Jorge-Reyes, 40

Jason Benjamin Josaphat, 19 Cory James Connell, 21 Juan P. Rivera Velazquez, 37 Luis Daniel Conde, 39 Jonathan Antonio Camuy Vega, 24 Christopher Andrew Leinonen, 32 Frank Hernandez, 27 Shane Evan Tomlinson, 33 Brenda Lee Marquez McCool, 49 Angel L. Candelario-Padro, 28 Geraldo A. Ortiz-Jimenez, 25 Akyra Monet Murray, 18 Paul Terrell Henry, 41 Antonio Davon Brown, 29 Christopher Joseph Sanfeliz, 24 Alejandro Barrios Martinez, 21 Rodolfo Ayala-Ayala, 33 Tevin Eugene Crosby, 25 Yilmary Rodriguez Solivan, 24 Joel Rayon Paniagua, 32 Juan Chevez-Martinez, 25 Jerald Arthur Wright, 31 Jean C. Nieves Rodriguez, 27 Leroy Valentin Fernandez, 25

This is the list. These are the people that the story. One of the youngest people killed in the world lost. These are the people that lost their attack, Josaphat—who was only 19—had just lives that were so full of promise to hate. graduated from high school and was beginning A number is easy to quantify—and 49 murders is a lot by any calculation. But numbers are easy to move past. Most news pieces contain them.

Text books are full of them.

Numbers don’t convey the story of young men like Simon Carillo and Oscar Aracena. The partners had recently returned from a trip Niagra Falls, and had also just purchased a home.

Numbers fail to tell Jason Benjamin Josaphat’s

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courses at Valencia college. Josaphat’s uncle people that had their lives and their futures taken said, “he was very excited about his journey.” from them (NPR Orlando Shooting Victims).

If you only look at the numbers, you’ll miss stories like Cory James Connell’s. The 21-yearold was at Pulse with his girlfriend. He was a student at Valencia College and had hoped to become a firefighter.

You’d also miss Brenda Lee Marquez McCool’s story. A mother of 11 and a cancer survivor, McCool was dancing at Pulse with her son, Isaiah Henderson, at the time of the attack. She was able to place herself between the gunman and her son—saving his life.

We can never lose sight that these young people were not simply “gay people at a nightclub”.

Sexual orientation does not make a person; it is not the end all be all. Gay, straight, bisexual, or questioning, these people had families, identities, and futures with plans well underway. I mourn for the city of Orlando and this horrible tragedy.

May God bless the victims, the families, and the future of this country to be safe from terrorism and murderous violence that is becoming a frequent occurrence in America.

These are just a few of the stories. So, as news sources around the world cover the political issues and possible ways to prevent a tragedy like this from happening again, take a moment and go to NPR’s article that details the stories of the

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4TH OF JULY AT THE SUISUN MARINA The oohs and ahhhhs on my kid’s faces are pr iceless

By Lynell Holden

A

s a child one of my favorite things to do was to watch the fireworks on the 4th of July. Now as an adult I my inner child get excited to see the beautiful, bold and colorful light combinations. It never gets old.

My family has traveled to San Francisco, Six Flags Marine World in Vallejo, and old Suisun at the waterfront marina just to watch the fireworks and take in all he City had to offer that day. If you do no love firework shows on the 4th of July, then that would be sign that it time to make some changes in your life and live a little.

small and little, different colors, and the names always make me laugh because they can be very creative.

I live in Solano County, Old Suisun, or the Suisun Marina as we call it and. I love seeing people of all ages dance to the live music. You feel a true sense of community, and everyone looks happy. The police department hands out gold badge stickers to the kids, and the fire department pour drinks under their tent. If you are a Foody then the food smells will drive you crazy because they are out of this world. You name it and you can find it there: cotton candy, barbecue, grilled corn, and much more. There is also great entertainment from martial arts and hip hop and many other dance performances.

You can stop and visit the restaurant called Babb’s, the Lawler House Gallery, the Solano Historic Exploration Center, Suisun Wildlife Center, the Hampton Inn and Suites hotel, and much more. Since I am in real estate, I love just walking by and looking at the architecture of The 4th of July it’s always really hot. However the stores on the bottom and the homes on top. last year we got smart and decided to have a picnic There are so many different types of boats there, with our kids and eat in an air conditioned RV.

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THE VIP AGENT CORNER

I think this will be a tradition that we will continue from here on out. As the day comes to an end the anticipation builds up and the parking gets more and more crowded the closer we get to 9pm. Once the vendors start to pack up, the blankets and lawn chairs come out. Everyone is picking their spots to get the best view of the fireworks.

Finally, the fireworks start and it takes my breath away. I become a child again and the look of amazement on my kid’s faces and hearing the ooohs and ahhhhs in the crowd is priceless. The fireworks show can be as long as 20 minutes but it feels like 5 minutes because you want to see more when it’s over. The crescendo at the end is my favorite part.

The bright stars, the big bang of the Red White and Blue

colors. Travis Air Force Base is 5 minutes away from my home. My boyfriend, my best friend, and many members of members in my family served in the military and. I appreciate the sacrifices that our military families make to keep our country free and protected.

Many people choose to park along the side of Highway 12 and other large parking lots that are adjacent to the Marina to avoid the 1 hour traffic of getting out of the marina. Yes I said it. 1 hour ! When you drive out of there it looks like Christmas tree lights with the parking brakes, reverse lights, and headlights everywhere.

It’s all worth it in the end. The weather, food, entertainment, community, fireworks, family, and fun just makes you want to come back next year and do it all

over again. My only suggestion is get there early, park your cars, bring umbrellas, use sunscreen, bring your blankets, plenty of water, and just relax. Hope to see you there this year.

NHF Sapphire is a grant

T

housands of people each year dream of becoming homeowners. The NHF Sapphire Program may help that dream become reality.

This homebuyer assistance program currently provides low-to-moderate income families and individuals with a choice of a 3% or 5% Grant* that does not have to be repaid. The grant can be used towards down payment or closing costs.

Many times this allows homebuyers to purchase a home much sooner than they thought possible.

The NHF Sapphire Program is available for the purchase of an owner-occupied singlefamily residence, approved condominium, or planned unit development located in the state of California. The program is available for purchases of both new and existing homes and is NOT limited to first-time homebuyers.

Program Features at a Glance • • • • • •

Down payment assistance (Currently in the form of a 3% or 5% Grant)* For the purchase of primary residences in California New or existing properties are eligible Program is NOT limited to first-time homebuyers Income limits up to 115% of HUD Area Median Income

*Differing rates apply to 3% and 5% Grants respectively

Call me for details: 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 Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994 The Power Is Now Inc., is a Mortgage Brokerage Licensed by the State of California CALBRE License #1980407 and is not affiliatedwith any state or federal agency. Go to www2.dre.ca.gov for verification. The Power Is Now Inc., is also licensed by the NMLS License #1435243. Go to www. nmlsconsumeraccess.org for verification. The Power Is Now Inc., is an equal housing lender. Our corporate office is located at: 379 6th Street Riverside, CA 92501. Telephone and Fax: 800-401-8994. Eric Lawrence Frazier, MBA is a California Licensed Loan Originator NMLS# 461807.

This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.

LEGAL

PROPERTY BOUNDARIES 101

D

ealing with neighbors can be a big headache when you do not know where your property boundaries are. In old and new neighborhoods, homeowners need to know where the boundaries to their properties are especially when it comes to building fences, building additions, and buying and selling a home. Significant disputes have caused problems between homeowners, especially when older homes have been bought and sold several times.

In many cases, existing fence lines may not have been properly surveyed. To avoid unfriendly disputes with neighbors, it is in your best interest to know what your property boundaries are and to be aware of your rights as property owners.

Most communities have established fence ordinances. If you live in an association, the board most likely has established rules about fences, too. In most cases, the fence rules and ordinances are set based on the location of the fence as well as the height and materials. Many communities have special ordinances set for fences around swimming pools, too. While some associations may have rules about the style of fence you can build, most communities do not july 2016

care if the fence is ugly or not.

Prior to building a fence, it is wise to get learn about the property boundaries on your lot. If you build a fence and it is on the boundary, you and your neighbor both own the fence - even if you pay for the entire thing. If the fence is completely on your property, then the fence is yours. In most cases, this means you can cut down tree limbs that hang over your fence, but not if the cutting will harm the tree. As the owner of the fence, it is your job to maintain it.

The property boundaries on your lot are always kept at one of two places, either the county offices or the city offices. They will have the precise layout of your plot. Unfortunately, the average homeowner does not know how to read the property map. It is in your best interest as a homeowner who wants to avoid any legal issues with neighbors to have a professional surveyor lay out the boundary lines before you begin adding a fence. Some older homes might have more than one survey to work from, so be sure that you have all of the paperwork in your possession prior to any building that could

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LEGAL

encroach on a neighbor’s land. The cost of of plowing services if you need to have snow hiring a professional surveyor will be much moved in the winter months. It can also affect less than hiring a lawyer for legal defense. who has access to what you think is you yard.

Believe it or not, a properly line can be changed; but, it does require the agreement of the parties on both sides of the line. When fences cross into a neighbor’s yard, homeowners can have difficulty selling their home because not all of the fence is in their yard. Using a a lot line agreement, neighbors can make subtle adjustments when necessary. Prior to making this agreement it is important to be sure it is allowed in your community or neighborhood.

If the homeowners are still paying their mortgages, the bank might also have to get involved in the lot line agreement. Many banks will nix these agreements immediately. If you do get permission from the banks and the neighbors, the new lines need to be recorded in the proper government location.

It is also important to know where your property boundaries are if you have any natural water features on your property. People who live on lakes, ponds, rivers, and other waterways might be responsible for cleaning portions of the water way. They might also need to know about wetland rules when it comes to landscaping and home improvement projects.

One of the most common reasons why neighbors have property line disputes is because of encroachment. This is when a structure crosses a property boundary. It is a good idea to know where these occur on your property from your neighbors or where your property crosses the line. When encroachment occurs, it can be challenging to sell a home. It can also be challenging to buy a home that is involved in an encroachment dispute. Sellers must disclose encroachments. Many people will settle disputes with lot line agreements; but in other instances, the disputes are settled in court.

If you live in an older home, you might actually have a burial plot on your property. With a properly done survey, you will know exactly what property is your and what is actually in that property.

Any homeowners who share driveways, walls, and overhangs, as well as rights-of-support should know their boundaries. Any property that is shared can become problematic, especially when it comes to expensive maintenance projects. When you do not know what belongs to you, you have no idea what your responsibility really is.

There are plenty of other perfectly good reasons to have absolute knowledge of the boundaries of your property. When it comes to maintaining good relationships with your neighbors, knowledge is definitely powerful.

Fences are not the only reason to have a survey performed. There are several other important reasons to have know exactly where your property lines lay. Some homeowners need to deal with rights-of-way and easements. These could impact your ability to get into and out of your driveway or for neighbors to have access to the street. This could affect the costs The Power Is Now MAGAZINE | 25

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REAL ESTATE

Stop Answering Your Phone Part I

By Eric Lawrence Frazier MBA

A

s real estate and lending professionals, our goal is to provide the best customer service that we can. So what does that look like? First, we want to be fully engaged with our clients. We want our clients to know that we are paying attention to what they are saying. We do this by responding to their statements and asking and answering their questions fully. We must be engaged which is very difficult when you are multitasking. It is also important that our clients understand that we are clear about what their needs are. We must understand how their needs or requests are impacting them emotionally, financially, and in other ways that they may not be able to articulate. Having a high degree of emotional intelligence is helpful in understanding what is going on beyond the words of the client. Sometimes greater clarity is achieved when we can identify what is not being said by listening very carefully.

Buying a home is perhaps one of the most life impacting decisions that most people will ever make. It ranks right up there with marriage and deciding to have a child. It represents the highest amount of debt that most people will ever incur in their lifetime. It represents the highest expense and the largest amount of money that they will have to invest in the house

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over time. It also represents the largest amount cash that they have to save or be given to put as a down payment to buy it. To say it is a serious matter is an understatement. Few matters in life can rise to this level of importance.

So when we have a meeting with a client whether it is by phone, video, or in person, it is important, as professionals, that we bring our A-game. We must be ready to pay attention, take notes, provide insight, repeat the buyer’s or seller’s concerns so they know we care and understand their goals or needs. We must also be able to create a game plan to help them navigate through the decisions and challenges that they potentially may face in execution of the plan.

This level of engagement and service can only be achieved by paying attention and being very focus on your client.

So I ask, given the gravity of a home purchase or selling a home, why would a lending or real estate professional answer their cell phone in a meeting with a client? It seems to me that answering the telephone during a meeting is not only disrespectful, but it sends a message that our clients are not as important as the person is who is calling. Now whether the value of one client is greater than another is true or not, is that

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REAL ESTATE

the message we want our clients to hear and see as a lending or real estate professional? It is not for anyone who seriously pursuing excellence in service and professionals.

Now I must make a confession before I continue. Some of you reading this blog may have been victims of being put on hold by me so that I could take another call. Please accept my heartfelt apology. I am without excuse.

I pride myself on being accessible to everyone and available all the time. I am one of “those guy’s� who brags about always answering my phone and being available.

It is only partly true. I have realized through consistent failure in answering every call that it was and is an unrealistic expectation that I had for myself and that others may have of me.

I do not blame the client at all.

I created that expectation and now I am changing it. I am the captain of my ship and the master of my destiny. I have struggle with this dilemma my entire 34 year career in lending and real estate. It is a well establish conflict that all sales professionals have with time management and client accessibility. We spend 70% of our time generating, capturing and following up on leads and the other 30% on managing everything associated with the results of the activity that

takes most of our time. One of the most common complaints I hear about real estate and lending professionals is that they are not accessible and that they take too long to get back to their clients. Many salespeople try to make this complaint a market differentiator from their competition and make the claim that they always answer their phone and of course fail to do so. This was the number one complaint that I received as a Home Loan center manager in supervising loan consultants over the years. In general most sales complaints center around poor communication and lack of responsiveness. In response to these complaints, many consultants and professionals including myself try to be more accessible by answering the phone when it rings; even when we are on the phone or in a meeting with our clients. It

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is a failed strategy.

I believe that answering phone everytime it rings and or answering the phone when you are with a client is a serious strategic mistake and will ultimately hurt your brand and reputation. This conclusion based on thirty four years of first hand experience in watching and managing sales people, who have this problem, and seeing how ineffective they are in building trust and maintaining long term relationships. As result their business is dependant on the ebb and flow of the market and is transactional as opposed to business that is driven by referrals and is based on relationships. Their clients eventually get the message that they are not really that important; which is not true but a reasonable conclusion based

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REAL ESTATE

on their behavior. I have always known better and believed that it is a mistake to answer your phone when in a meeting with a client. It is a mistake not to block time to manage the results of your sales activity so that your clients are being properly served. But why is this behavior so prevalent? Why do most sales people break these commonsense rules? I believe we break the rules because there is something in all of us that is activated by the fear of losing out on a new opportunity. It is the survival instinct, divinely endowed, that is always on the hunt because we can only eat what we slayl. This is not an excuse, so please do not take it that way, it is an explanation or perhaps exploration of the psychological makeup of commission sales people. They are hunters and must always be in hunt because no one knows when the market will change and opportunities to hunt will more scarce.

that is also divinely endowed. It is a grave mistake to cause a client to feel that they are less important than any other person that is seeking your expertise; especially when you are in a scheduled meeting with that client (emergencies are of course an exception to the rule.) It clearly sends the wrong message, it shows a lack of organization and professionalism. It shows that you are someone who is not proactive but reactive and ultimately it shows and utter disrespect for your clients time.

So what is the solution? I will tell you in Stop Answering Your Phone: Part 2 where I will discuss how I climbed out of the horrible pit of answering the phone while with a client. I did it and it is still a work in progress. It’s like being a drug addict or alcoholic but you can do it too.

Tune in for part two! Your Power Is Now.

But let’s be clear. We cannot allow our basic instincts to override our support intelligence

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REAL ESTATE

Frazier Group Realty, Inc. As you venture into the World of Real Estate, we can help you put the pieces together and Naviagate you into Home Ownership

Ruby L. Frazier President License #01751773

Briana M. Frazier Broker License # 01751473

Jessica E. Frazier License # 01817312

Erica L. Frazier License# 01791095

Frazier Group Realty is the right place. Our Navigators are available to give you personalized service and answer any questions you may have. You can call, email or visit us and we will be there ready to help you every step of the way. Wether you are a first time home buyer or an experienced real estate investor, here at Frazier Group Realty you gain useful information about how to choose the “right” property, and everything involved in making an informed decision in today’s real estate market.

Making Clients for Life

3739 6th Street, Riverside, CA 92501 Office: (951) 686-5261 Fax: (951) 686-5264 www.fraziergrouprealty.com

TECHNOLOGY

5 Ways

TECHNOLOGY IS MAKING MOVING EASIER

Moving to a new home is rarely easy. Packing and unpacking are only part of the hard work.

The nitty-gritty details also involve looking for a new house or apartment, finding out about cost of living, jobs, schools, and services in a new locale, and getting rid of household possessions not making the move. Then, there are documents to sign, boxes and tape to buy, and details like turning utilities off and on at the right time. On top of all that is the actual packing, transport, unpacking, and settling in.

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However, technology and the Internet are taking a big chunk of effort out of the process of moving, making it a little less painful. Many of the tedious tasks involved in a move are now

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TECHNOLOGY

easier and faster than ever before. Here are five ways new technologies and the Internet are making moving to a new home easier.

Viewing Houses, Apartments, and Neighborhoods Online Real

estate websites l i k e

Trullia, Zillow, and Realtor.com have all of their MLS listings and rentals online for easy browsing. Potential houses and apartments can be sorted by zip code, minimum and maximum price, lot size, property type, number of bedrooms and baths, AP number, address, and many other categories. Most listing have extensive photographs of the property and some offer virtual video tours.

Viewing listings online is not a replacement for having a look on the ground when a promising prospect appears, but it makes the process of narrowing down a new address much less time consuming than searching in newspapers and driving around with a real estate agent. After finding a potential home online, meeting the realtor or landlord in person at the property before signing any documents or making any payments greatly reduces the chances of falling victim to an Internet housing scam.

an aerial view of the property, as well as a view of the property from the street. From there, it just takes clicking to travel down the street and have a look around the neighborhood without ever leaving home.

Using Google Map and Street View can provide information on the approximate location of property lot lines, proximity to neighboring houses and businesses, a peek at the backyard from a birds-eye perspective, and a feeling for the general appearance of the neighborhood and street.

Web sites like City-Data.com have a wealth of information on all cities in the United States of interest to people relocating. Just type in the city and view reports on population, demographics, income levels, neighborhoods, crime statistics, housing prices, local news, and photos of the area.

Using a site like City-Data in combination with Google Map and Street View provides a Google Maps and Street View comprehensive, virtual picture allow real estate buyers and of new neighborhoods and apartment hunters to look at towns.

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TECHNOLOGY

and National Commerce Act (E-Sign Act). Of course, it is a good idea to print out a copy of all Gone are the days of huge stacks of paper, electronic documents as a back-up.

Faxing, postage, and trips to the post office or UPS when signing a real estate contract. The Selling Stuff Online reams of paper are rapidly being replace by online document signing services like dotloop. Most moves involve unloading possessions too hard to move or not needed or wanted in the new com and DocuSign.com. location. Having a garage sale, heading to the Using a service like these, the realtor creates flea market, or transporting car loads of stuff to digital copies of all documents and sends them a charity drop-off site are the traditional ways of by email to the buyer. The buyer selects a custom disposing of possessions before a move. Now, digital signature to sign with and simply clicks the Internet makes it easy, and sometimes even profitable, to sell unwanted possessions on sites on the spots where a signature is needed. like Craigslist and eBay. Electronic signatures have been valid for real estate transactions in the US for over ten years Posting on Craigslist is free and simple. Scams through the Electronic Signatures in Global do happen there, but it is usually easy to spot Signing Documents Online

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TECHNOLOGY

them, and the site provides information on common scam tactics to be aware of. Legitimate buyers and sellers far outnumber scam artists, and finding a new home for old furniture and household goods is often fast and easy, especially in metropolitan areas.

Besides finding private parties to buy or take away unwanted stuff, Craigslist and similar services are also frequently browsed by commercial operations in the used furniture, antique, and thrift store businesses.

can be found at the government sponsored Federal Motor Carrier Safety Administration website. The Better Business Bureau also has online search tools for checking on complaints and licensing of moving companies.

Staying Organized with Apps for Moving

A large number of computer applications are available for staying organized, planning, and completing a move. These apps can be downloaded on a smartphone or PC and include packing checklists, inventory spreadsheets, By simply posting some photos of items online, budgeting tools, change of address notification people who are moving can use Internet buy and tools, weight calculators, moving company sell sites to find people and businesses willing reviews, and more. to carry the unwanted belongings away, and possibly pay for them.

Some of the most popular moving apps are, Researching and Scheduling Moving Companies • Suddath’s Moving Guru Online • MoveMatch • MovingPlanner Many moves require the services of a professional • MovingVan moving company. There are a lot of moving • iMoving companies out there, and, unfortunately, there are also a lot of scam artists and people without Moving will never be easy, but with the use the right equipment, licenses, or insurance. of the Internet and new technologies, it is now Using the Internet to find a reputable mover easier than ever. requires some caution, because many moving company scams use elaborate websites and sales References pitches to build up their image.

Federal Motor Carrier Safety Administration Nonetheless, the Internet can be useful for https://www.fmcsa.dot.gov/ finding, researching, and scheduling a moving company. Before hiring, prospects should be Better Business Bureau checked out in person and asked for an onsite https://www.bbb.org/ estimate of moving costs. Licensing information

The Power Is Now MAGAZINE | 37

www.thepowerisnow.com

THE POWER IS NOW MORTGAGE SERVICES

A Division of The Power Is Now Inc.

ERIC LAWRENCE FRAZIER, MBA MORTGAGE SERVICES

APPLY ONLINE AT WWW.APPLYTOBUYNOW.COM OR CALL 800-261-1634 EXT. 703

Why Work with Eric Lawrence Frazier MBA?

Programs:

• 34 years of experience in helping buyers finance their home • BS in Business Administration and Management and a MBA in Finance • Real Estate Broker CALBRE # 1980407 • Experienced Business Consultant and Life Coach • Eric Frazier will counsel and guide you through the process. He will help you to make difficult decisions and support you until the loan is closed.

• • • • • • • • • •

• Obtain Preapproval online in 48 hours at www.applytobuynow.com • Join the Power Is Now Buyers Club for free at www.neverrentagain.com ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com

Grant Funds for Down Payment Assistance 100% FHA Financing Programs Conventional Loans Government Loans Jumbo Loans None Prime Loans Commerical Loans Private Equity Loans Land Loans Note Loans Buy a Home 12 Months After Bankruptcy, Foreclosure and or Short-sale.

Email: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994

The Power Is Now Inc., is a Mortgage Brokerage Licensed by the State of California CALBRE License #1980407 and is not affiliated with any state or federal agency. Go to www2.dre.ca.gov for verification. The Power Is Now Inc., is also licensed by the NMLS License #1435243. Go to www.nmlsconsumeraccess.org for verification. The Power Is Now Inc., is an equal housing lender. Our corporate office is located at: 379 6th Street Riverside, CA 92501. Telephone and Fax: 800-401-8994. Eric Lawrence Frazier, MBA is a California Licensed Loan Originator NMLS# 461807. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.

YOU

THE POWER OF LANGUAGE L

earning a second language is often a requirement of high school and college students as it can benefit individuals by making them more desirable in the job market.

A second language also has relevance in today’s real estate industry. Agents who speak a second language find that they stand out from the crowd, and they will see their business grow by adding whole new groups of people to their clientele.

While these clients will be purchasing homes, they might also be interested in obtaining a space to run their own business. A large majority of America’s small business owners hail from foreign countries. In fact, 1 out of every 5 U.S. small businesses is established by immigrant entrepreneurs. In larger markets such as those mentioned before, you are going to meet up with people who are first-generation Americans all of the time. They may speak broken English An increasing number of people are choosing or have someone to translate, but it will still be to move away from their home countries for beneficial to know the person’s native language multiple reasons ranging from societal hardship in order to come to a full understanding. to job relocation. Those who enter the country without a firm grasp on the English language are However, what many new agents do not realize cautious about the decisions they make and who is the smaller markets have a growing nonthey do business with, and for good reason. native population as well. Look at cities with 100,000 – 200,000 population, and you will Luckily, their transition to American living see more people who have English as a second can be made a lot easier if they find a realtor language or are struggling with the complex who speaks their mother tongue. Not only will English language. Learning a second language they benefit, but so will you. Language barriers can be difficult, but it is especially so in English. are a frustrating obstacle for both parties. By removing those language barriers, you will be REMEMBER THAT ENGLISH IS HARD able to make a real connection with your client, making your job simplier.

It is important to sympathize with those who are still learning our language. English is, after WHY BE BILINGUAL? all, widely regarded as being the most difficult language to study, especially for those whose It may seem obvious for those in major metro first language did not stem from Latin or Ancient markets, like Los Angeles, Dallas and New York Greek words. To keep it simple, English just does City to speak a second language. Real estate not make much sense as far as structure goes. It agents in the largest housing markets are just as is full of contradictions and words that sound the likely to work with a non-native English speaker same but are used differently such as “there” and as someone with a long lineage from the U.S. “their” or “feeling” and “filling.” There are also As immigration continues, the need for bilingual words like “hamburger” that contain words that realtors be in high demand. mean something else entirely. Ham is pork, but july 2016

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YOU

there is no pork to be found in a hamburger.

distant second.

The English language is also riddled with rules.

Some of which are only applied under certain circumstances. For example, when you were in school you were taught “I before E except after C,” but as you know, this rule has many confusing exceptions. It doesn’t apply to words like “science” or “weird” and you probably do not have an answer for why this is. This is just one of many examples that could be given. If it is confusing for native English speakers, it is bound to confuse others.

Spanish classes are widely available. They are thought at almost every university and even small community colleges that you are bound to find nearby. There are also plenty are learning tools you may use online for studying Spanish on your own time. You can find basic free courses or explore comprehensive programs with reasonable prices. Check your local listings to find French, Mandarin, and other language classes.

A Second Language Means More Opportunities When you are fluent in a second language, you can promote your services to reflect this skill.

Buyers and sellers who are able to conduct business in a language other than English will have a strong and loyal audience. Get one client who appreciates this fact, and they will tell all of their friends about you. After all, even in this digital world, word-of-mouth remains a great marketing tool. People are still more likely to consider a service that has worked for others that they know personally.

Even if you work with international real estate investors who are fluent in English, they often feel more comfortable communicating in their native tongue. It also marks you as a professional who cares enough about their clients to make an extra effort, which will retain their loyalty. After all, when working with repeat customers you will be able to deliver better services since you will already be aware of their preferences.

For first-time buyers who do not understand English well, it will help reduce their fears and confusion in a complicated situation. They have all of these technical terms coming at them, and a person who can translate everything into In many areas, agents with a second language layman’s terms in their native language will help skill have unlimited potential. It is here that you make the process less frightening. can seize a golden opportunity with virtually no competition. However, even in large markets, the number of agents who can speak a second language well enough to enhance their business is small. In fact, the National Association of Realtors estimates the total number of agents who do speak a second language in their job is 15 percent.

Spanish is by far the most spoken second language with French coming in a

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YOU

BUILDING A BILINGUAL BUSINESS Anyone who is considering building up their agency with agents who speak a second language or learning one themselves should test the market first. They should do some research and find out who the largest minorities in the area are and what percentage of the total population they compose. You also want to know how many of them are interested in buying a home. You can conduct surveys and other types of research to get an idea of how much more business it would bring in. Developing a bi-lingual agency is one way to increase your client base and to separate your company from the competition. You will see sales increase and your reputation develop as your agency becomes more diverse.

Buyers who speak only minimal English or none at all are concerned about being taken advantage

of or getting a bad deal. By being able to speak to them in their native language, you can allay those fears and create a unique niche that will provide you with long-term success. So find your avenue to learn a second language now, or hire licensed assistants who speaks the languages you need in your business. Be aware that these assistants may become your competition in the future, so choose carefully. Personality tests are helpful in determining if you are hiring someone who wants to work in support role or on team as opposed to being their own boss and leader. Agents who feel the need to lead need to create their team and build their own business instead of working under you. Choose carefully. Your people will make or break you. You have the power to build a business that serves the community with the right people who reflect your goals and value.

“We don’t

make loans

in black

neighborhoods.”

YOU WON’T HEAR THAT. WHAT YOU MAY HEAR IS:

“Your debt to income ratios are too high.”

“The appraisal said ‘inadequate collateral.’ ”

“You need more money down.”

Anytime you’re denied a home loan or the terms and conditions are changed, you could be a victim of mortgage lending discrimination.

If you believe you may be a victim of housing discrimination, contact HUD or your local Fair Housing Center:

Visit www.hud.gov/fairhousing or call the HUD Hotline 1-800-669-9777 (voice) 1-800-927-9275 (TTY)

Your Choice. Your Right. Your Home.

A public service message from the U.S. Department of Housing and Urban Development in partnership with the National Fair Housing Alliance. The federal Fair Housing Act prohibits discrimination because of race, color, religion, national origin, sex, familial status or disability. For more information, visit www.hud.gov/fairhousing.

JUMBO LOANS YOU COMMUNITY

WITH 10% DOWN

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FREE mortgage app for your cell phone!

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Loan Amounts up to $3 Million! * No monthly PMI Fixed-rate and ARM options are available Eligible for primary, secondary and investment properties

Name: Eric Lawrence Frazier MBA CA BRE # 01143484 | NMLS # 461807 Website: www.thepowerisnow.com Call me for details: Website: www.thepowerisnow.com Email: eric.frazier@thepowerisnow.com E-mail: eric.frazier@thepowerisnow.com Video Chat: https://zoom.us/j/5443077305 ERIC LAWRENCE FRAZIER MBA Mobile: 714-361-2105 CA BRE: 01143484 | NMLS 461807 Direct: 714-475-8629 Office: 800-401-8994 ext. 703 The Power Is Now Inc.O: 800-261-1634 x 703 Fax: 800-401-8994 CA BRE: 1980407 | NMLS 1435243 F: 800-261-1634

* Restrictions may apply.

The Power Is Now Inc., is a Mortgage Brokerage Licensed by the State of California CALBRE License #1980407 and is not affiliatedwith any state or federal agency.

Go toiswww2.dre.ca.gov verification.

The Power NowofInc., is also01143484 licensed by Licensewith #1435243. www.

Frazier, Eric, Lawrence a CA Mortgage for Brokerage Licensed by the Is State CA BRE andthe is NMLS not affiliated any stateGoortofederal nmlsconsumeraccess.org for verification.

The Power Is Now Inc., is- an equal housing lender. Our corporate officeLawrence is locatedisat: Street agency. Frazier, Eric Lawrence is also licensed

by NMLS# 1273606 www.nmlsconsumeraccess.org.

Frazier, Eric, an 379 equal6th housing Riverside, 92501. office Telephone and Fax: 800-401-8994.

Eric Lawrence Frazier, MBA is aand California Licensed Loan lender. OurCA corporate is located at: 3739 6th Street Riverside, CA 92501.

Telephone Fax: 800-261-1634 EricOriginator Lawrence NMLS# Frazier, 461807.

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HOW TO BUY A FLIP PROPERTY AND KNOW THAT THE HOME HAS HAD A BONE MARROW TRANSPLANT VERSUS SIMPLY PUT A LIPSTICK ON?

S

o you walk into that open home and fall in love with the kitchen countertop, the cabinets, the tiles, the floors but when you look under the kitchen sink, you see this big hole in the wall.

Do you buy? Do you skip? Do you risk spending money on inspections? As an expert in buying and flipping properties, we can attest to the fact that it is very easy to spot a home with just aesthetics done or actually a home with a “bone marrow transplant.”

you can also have them look at the p trap under the bathroom sink to see if it was replaced. If some of all of these items were done you can at least sleep better knowing somethings were changed behind the walls as well instead of just aesthetics.

For example, some flipper will go in and replace the kitchen the shower walls, replace the shower hardware and replace the vanity while doing the rehab. But how do you that they actually replaced the hardi backer board and the water proofing material right behind it? How do you know they replaced any damaged wood in the shower wall structure?

In reality you cannot know for sure. But few things you can do.

You can have your inspector look behind the shower wall from the attic and see if they can spot new water proofing membrane, see if they can shine their light on the water plumbing for the shower head,

Another example would be to having your inspector look at the electrical subpanel and veryify if any new circuits were run. Not only you should check for new circuits but verify if the kitchen electrical was upgraded to 6 or more circuits (which is the code for most states).

You should notice if the each bathroom has its own breaker or not. These things will give you an idea whether the electrical was updated or not and if it was, whether it was done up to code or not.

Another spot to notice is your crawlspace, if you have one.

See if it is clean or not. Usually that is the first indicator that tells you if the flipper actually cleaned out the crawlspace r left junk or garbage in there.

When you see garbage in there, it is a sign that farther damage such as fungus or termite could be there. Have an inspector crawl the area and notice any

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The Power Is Now MAGAZINE | 46

water damage especially under the kitchen and bathrooms. If you see damage, that means the flipper did not do a “bone marrow transplant” meaning the flipper did not actually fix the bones of the home but rather threw in some tile flooring and painted the walls so these damages are covered up.

These are just a few examples of how you can spot a well done rehabbed home versus a home with lipstick put on. It is very important to know what you are getting into.

For more tips please contact my team at 510-493-3508 Thanks!

Basil Yaqub Creating Wealth & Lasting Relationship www.BasilRealtor.com Phone: 510 - 493 - 3508

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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