Issuu

WELCOME JOSKE THOMPSON G L O B A L R E A L E S T A T E A D V I S O R , C I P S , F I A B C I 1 6 9 9 V A N N E S S , S A N F R A N C I S C O C A 9 4 1 0 9 M . 4 1 5 . 6 0 8 . 2 2 3 3 | E . J O S K E @ J O S K E . O R G | DRE 0 0 8 4 3 8 6 5

BUYER'S GUIDE MADE FOR :

Bryan Weis and Amanda Norden Dear Property Buyer, You are about to embark on an exciting journey with Compass seeking and securing the property of your dreams. My job in this journey is not only to see that you find that property at the best possible terms, but also to aid you in the entire process from beginning to end. Here, then is the package I have prepared for you to explain the particulars of buying a property. You will find it useful to familiarize yourself with the various documents and procedures you will be encountering throughout the property acquisition process. Please read the material over and feel free to contact me if you have any questions or require any further information that you feel is pertinent to your specific situation.

Joske Can Help You Find Your Dream Property Do you have an agent who understands the 2020 market? If you do not have an agent, consider what Joske can offer you.

The buyer’s interview:Delivering a comprehensive understanding of: • • • • • •

Sales Process in San Francisco A thorough explanation of the Time & Action Flow-chart Determining your “Buyer’s Cost” Explaining the Inspection Process Explaining the Escrow Process in San Francisco Understanding the Property Tax Calendar for San Francisco

Financial resources: • • • •

Pre-qualification/pre-approval forthe purchaser so that you areassured of getting a loan before youmake an offer. Recommendation of lenders withthe best rates and most professional service. Information and recommendationson alternative financing.

Assistance in locating the right property: • •

Often time’s well-priced propertiesare sold before the first Sunday openhouse. Understanding and working withinyour parameters.

Help determine what the fair market value is in the current frenetic market. • •

Preparation and professional presentation of your offer. Providing direction in choosing your Lender, Escrow, and Title Company. Termite Inspector and General Contractor.

How much does having a “buyer’s agent” cost? • • •

Nothing. The seller pays the realestate commission. They charge no less for their homes if you are under-represented. The only difference is that they paythe entire commission fee to their agent instead of splitting it withyours.

When you are serious about house hunting, have Joske work on your behalf.

Two Main Reasons To Buy Property

1 Tax Benifits A homeowner can exclude up to $500,000 of capital gain if married and filing jointly, or up to $250,000 if single or filing separately. The home must have been the taxpayer’s principal residence for two of the past five years. Beginning May 7, 1997, there is no requirement to purchase another home more expensive than the one sold. Homeowners are free to buy up or down with no tax consequence, assuming their gain is less than the allowable amount. Property taxes (up to $10,000 annually in addition to State and Local taxes) and qualified home acquisition indebtedness (up to $750,000 for homes acquired on or after 1/1/18)

2 Investment Potential The largest investment for most people is their home. In the long run, investments in homes far outpace inflation. Homeowners build equity and, in most states, can borrow against it.

Seven Benifits To Buying Property

Tax Deductibility of Mortgage Interests and Tax Deductibility of Property Taxes

Appreciation Potential

Capital Gains Exclusion

Qualified mortgage investment on the first mortgage and home equity loans are deductible as well as Property Taxes on a first or second home are deductible on Schedule A as a personal deduction (up to $10,000 annually in addition to State and Local taxes) and qualified home acquisition indebtedness (up to $750,000 for homes acquired on or after 1/1/18)

Real estate is considered a good long-term investment because it usually continues to appreciate. The effects of leverage can multiply this increase when borrowed funds are used to purchase the home.

A homeowner can exclude up to $500,000 of capital gain if married and filing jointly, or up to $250,000 if single or filing separately for homes that have been the taxpayer’s principal residence for two of the past five years.

Capital Gain Treatment

Principal Accumulation

You Can Enjoy It!!!

Congress allows preferential tax treatment on gains from capital assets held for more than one year. This would be important for a homeowner who has gains in excess of the allowable exclusion.

Mortgages are designed to pay the interest for the time that the money has been used, as well as to retire the principal debt over a period of time. This means that part of the payment each month is for the principal accumulation.

Pride of ownership is a valid reason for wanting to own a home. You can decorate it to your own taste and enjoy all the benefits while making a great investment.

1&2

Our Professional Relationship

If you have any questions about how I work, please ask. Our professional relationship is critical to the successful purchase of your home.

My commitment to you

How I am compensated

I am a full time professional Realtor®. I am educated in the legal aspects of real estate practice and licensed by the Sate of California to provide real estate services. As a member of both the California and National Associations of Realtors®, I abide by a strict Code of Ethics to provide you with the highest level of service. As an associate with Compass I am part of one of the strongest networks of professional Realtors® in the Bay Area. I earn my living by serving the needs of homebuyers and seller with integrity.

I am not paid a traditional salary; I work entirely on commission, which I receive only if I initiate and complete a transaction for you. I am compensated only when all of your needs have been satisfied and you take ownership of your new home. All of the service I provide are uncompensated unless you purchase a home through me. Real estate commissions traditionally are paid at the close of escrow from the Seller’s proceeds.

Benefits of service A large part of my work is performed “behind the scenes”; previewing homes, researching comparable sales, gaining market knowledge, evaluating changing legislation, and maintaining my professional credentials. For every hour I spend showing you homes, I will have spent up to ten hours preparing. I am constantly acquiring information that will help to better serve you. One of the first things I do is to merge your profile with the MLS. The benefit to you is that you will be one of the first people to see a new home on the market. Since the best values sell within days, we feel that it is crucial for you to see the homes first.

Your commitment to me I will invest substantial time and effort in locating your home and will represent you with unequaled integrity throughout the purchase of that home. In return, I request your loyalty – a commitment that you will work with me exclusively, in selecting and purchasing your home.

Putting me to work for you If you see any home that interests you, ask me about it. Whether it is advertised by sign, in the newspaper, a “For Sale by Owner,” listed with another Realtor®, or not even on the market – I am the best to represent you in the pursuit of that property.

The Sales Process Make Offer to Purchase Using standard contract form, as your agent I will write the offer detailing all aspects of the transaction including down payment, financing, property inspections, condominium disclosures (if applicable) and all contingencies. Negotiate with Seller As Your agent, I will advise you on negotiation strategy and personally negotiate on your behalf with the Seller and Seller’s agent. Ratify the Transaction Both parties agree to price and terms in writing. Continue Loan Application It is assumed that the Buyer has been pre-qualified for the loan. All remaining paperwork is now due to the lender. Conduct Inspections As your agent I will assist you in scheduling inspections, will accompany you during inspections and help you interpret the reports. If necessary, credits from the seller will be negotiated. Remove Contingencies All contingencies in the contract relating to inspections, condominium documents and financing are removed in writing by the buyer. As your agent I will complete all forms for signature. Loan is Funded by Escrow Buyer Signs Loan Document and Closing Papers Seller Signs Closing Papers Escrow Closes The deed is recorded and title to the property transfers to Buyer.

These are the basic parts of the sales process from the time a property is selected to the close of escrow

Property Buying: Step-by-Step Step 1

Step 8

Select a REALTOR

Open Escrow.

I am a full time, professional REALTOR with extensive market knowledge. We will work closely together to find the right home for you.

Step 2 Initial Consultation. Once we establish your needs, I will provide guidance to financial institutions where you can obtain information in order to get the best financing available. We will meet to discuss your needs and analyze your resources.

Step 3 Identify Property to Buy. I will show you homes based on the criteria that we establish. The more precise and direct you are with me, the more successful your search will be.

Step 4 Determine Seller’s Motivation. Once you have found the home that you wish to purchase, I will do all the necessary research to help you structure an effective offer.

Step 5 Write Offer to Purchase. I will draft the Purchase Agreement for you, advising you on protective contingencies, customary practices, and local regulations. At this time you will need to provide an “earnest money” deposit, usually from 1 to 3% of the purchase price. (This deposit is not cashed until your offer has been accepted by the Seller)

Step 6 Presentation of Offer. I will present your offer to the Seller and the Seller’s agent. The Seller has three options; they can accept your offer, counter your offer, or reject your offer. My personal knowledge of your needs and qualifications will enable me to represent you in the best way possible.

Step 7 Seller’s Response. I will review the Seller’s response with you. My negotiating skills and knowledge will benefit you in reaching a final agreement.

When the Purchase Agreement is accepted and signed by all parties, I will open escrow for you. At this time your earnest money will be deposited. The escrow, or Title Company will receive, hold, and disburse all funds associated with your transaction.

Step 9 Contingency Period. This is the time allowed per your Purchase Agreement to obtain financing, perform inspections, and satisfy any other contingencies to which your purchase is subject.

Step 10 Homeowner’s Insurance. I will coordinate between your Insurance Agent and the Title Officer to make sure your policy is in effect at close of escrow.

Step 11 Down Payment Funds. You will need a Cashier’s Check or money transfer several days prior to the closing date of escrow.

Step 12 Close Escrow. When all of the conditions of the Purchase Agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow and your lender will deposit the balance of the purchase price. The Deed will then be recorded at the County Recorder’s office and you will take ownership of your home.

*TAKE A TIP FROM US: Arrange for Movers Now. I will offer suggestions to you, so you can shop for the best price.

Time and Action Flowchart

Buyer

Initial Consultation: Financial Qualifications, Commitment to Agent

Market Education to Buy View Property

Select a Home to Buy Write an Offer

Present Offer to Seller

Negotiate Terms

Time and Action Flowchart Continued Ratified Contract

Schedule Inspections, Receive Disclosures

Open “Escrow” Deposit Earnest Money

Search for Loan Submit Loan Application

Review Disclosures Have Inspections

Title Search Preliminary Title Report

Loan Processing Starts Property Appraisal

Remove Insoection and other Contingencies Increase “Escrow” Deposit funds

Arrange Homeowner’s Insurance & Movers

Deposit balance of Down Payment to “escrow” Sign Closing and Loan Papers at the Title Company

Loan Funding Record Title

Closing Escrow, Get the Keys Welcome Home!

Loan Commitment Remove Financial Contingencies

Inspection Process When you make an offer on a home, your Purchase Contract will likely contain provisions allowing you various inspections of the property. The purpose of these inspections is to educate you as to the physical condition of the property you are purchasing. While these inspections do not provide guarantees of the condition of the property, they do provide valuable information to you as a Buyer. It is important to remember that your Purchase Contract may provide for withdrawal from the contract if these reports are unsatisfactory to you, but inspections should not be considered an open door to renegotiate the purchase price. Structural Pest Control Inspection Often referred to as a “Termite Report”, the Structural Pest Control Inspection is conducted by a licensed inspector. In addition to actual termite damage, the Pest Report will indicate any type of wood destroying organisms that may be present, including Fungi (sometimes called “dry rot”), which generally results from excessive moisture. Section I Conditions Most Pest Reports classify conditions as Section 1 or Section 2 items. Section 1 conditions are those, which are “active”, or currently causing damage to the property. Generally, Section 1 items need to be corrected before a lender will make a loan on a home. Section II Conditions Those which are not currently causing damage, but are likely to, if left unattended. A typical Section 2 item is a plumbing leak where the moisture has not yet caused fungus decay. Who Pays? Your Purchase Contract will specify who is responsible for the cost of the inspection and making these corrections. This is a negotiable item and should be considered carefully. I will advise you as to what is customary and prudent.

Home Warranty Home Protection Plans are available for purchase by a Buyer or Seller. Such plans may provide additional protection of certain systems and appliances in your new home. I will provide you with brochures detailing different companies and options.

Physical Inspection The Physical Inspection clause in your Purchase Contract, when initialed by both parties, allows you the right to have the property thoroughly inspected. This is usually done through a General Home Inspection. While Home Inspectors are not currently required to have a license, most are, or have been, General Contractors. The inspection and the resulting report provides an overall assessment of the present condition of the property. What is Inspected The Home Inspection covers items such as exterior siding, paint, flooring, appliances, water heater, furnace, electrical service, plumbing, and other visible features of the property. This is a general inspection and will often call for additional inspections by specific trades, such as roof and furnace inspections. Further Inspections If conditions warrant, the Home Inspector may recommend a Structural Engineer’s Report. Such a report would identify structural failures and detail recommended corrections. Typically, this inspection is paid for by the Buyer. Geological Inspections You may also elect to have a Geological Inspection to educate yourselves as to the soil conditions at the home you are purchasing. This inspection is performed by a Geotechnical Engineer and involves not only physically inspecting the property, but also researching past geological activity in the area. The primary purpose for a Geological Inspection is to determine the stability of the ground under and around the home. Who Pays? Typically the Seller pays, but as with other inspections, this is negotiable according to the contract.

Who Pays for What? The seller can generally be expected to pay for:

The buyer can generally be expected to pay for:

• • • • • •

• • • • • • • • • •

• • • • • • • •

Real estate commission Document reparation fee for deed Documentary transfer tax* (see below) Any City & County transfer tax* (see below) Any loan fees required by buyer’s lender Payoff of all loans in seller’s name (or existing loan balance if being assumed by buyer) Interest accrued to lender being paid off, statement fees, reconveyance fees and any prepayment penalties Termite inspection (according to contract) Termite work (according to contract) home warranty (according to contract), any judgments, tax liens, etc., against the seller Recording charges to clear all documents of record against seller Tax pro-ration (for any taxes unpaid at time of transfer of title) Any unpaid homeowner’s dues Any bonds or assessments (according to contract) Any and all delinquent taxes notary fees

• • • • •

Title insurance premiums Escrow fee Document preparation (if applicable) notary fees Recording charges for all documents in buyer’s names Termite inspection (per contract) Tax pro-ration (from acquisition date) Homeowner’s transfer fee All new loan charges (except those required by lender for seller to pay) Interest on new loan from date of funding to 30 days prior to first payment date. Assumption/change of records fees for takeover of existing loan Beneficiary statement fee for assumption of existing loan inspection fees (roofing, property inspection, geological, etc.) City transfer/conveyance tax * (see below) Fire insurance premium for first year

Transfer Taxes $100 - $250,000 = $5.00 $250,000 - $1,000,000 = $6.80 City & County Transfer Tax per $1000

$1,000,000 - $5,000,000 = $7.50 $5,000,000 - $10,000,000 = $22.50 $10,000,000 – 25,000,000 = $27.50 $25,000,000 or more = $30

Common Forms of Ownership This document is for informational purposes only. Specific questions for actual real property transaction should be directed to your attorney or CPA. Tenancy in Common

Joint Tenancy

Community Property

Parties

Any number of persons (can be husband and wife)

Only husband and wife

Division

Ownership can be divided into any number of interests, equal or unequal

Ownership interests cannot be divided

Ownership interests are equal

Title

Each co-owner has a separate legal title to his undivided interest

There is only one title to the whole property

Title is in the “community” (similar to title being in a partnership)

Possession

Equal right to possession

Conveyance

Each co-owner’s interest may be conveyed separately by its owner

Conveyance by one co-owner with the others breaks joint tenancy

Both co-owners must join in conveyance of real property. Separate interests cannot be conveyed

Purchaser’s Status

Purchaser becomes a tenant in common with other co-owners

Purchaser becomes a tenant in common with the other co-owners

Purchaser can only acquire whole title of community; cannot acquire a part of it.

Death

On co-owner’s death, his interests pass by will to his devisees or heirs. No survivorship right

On co-owner’s death, his interest ends and cannot be willed. Survivor owns the property by survivorship

On co-owner’s death 1/2½ goes to survivor in severalty. Up to 1/2 goes by will or succession to others (consult attorney with specific questions)

Successor’s Status

Devisees or heir become tenants in common

Last survivor owns property in severalty

If passing by will, tenancy in common between devisee and survivor results

Creditor’s

Co-owner’s interest may be sold on execution sale to satisfy his creditor. Creditor becomes a tenant in common.

Co-owner’s interest may be sold on execution sale to satisfy his creditor. Joint tenancy is broken, creditor becomes a tenant in common.

Co-owner’s interests cannot be seized and sold separately. The whole property may be sold to satisfy debts of either husband or wife, depending on debt (consult attorney with specific questions)

Presumption

Favored in doubtful cases except husband and wife (see community property)

Must be expressly stated and properly formed. Not favored

Strong presumption that property acquired by husband and wife is community

Tax Calendar Second Installment

Computing Delinquent Penalties

Important Dates Feb 1: 2nd Installment Due

January 1st Mar 1: Assessment Due Mar 1: Taxes on Unsecured Roll

April 10 to June 30 One or both installments Delinquent: • ADD 10% + $10.00 Cost

Apr 1: 2nd Installment delinquent Apr 15: Last day to file Homeowner Veteran and Senior Citizen exemptions

Jul 1: Beginning of fiscal year to July 1 of the following year

June 30th

Jul 1: Properties w/delinquent taxes sold to State Jul 1: Owners to be informed of new values Jul (first Monday): Assessment Appeals Board

First Installment July 1st

Jul 30: Last day to advise owners of new values

July 1 to Dec 9 One or both installments Delinquent: • ADD 10% Penalty • ADD $10.00 Cost • ADD $15.00 Redemption Charge • Add 1 1.5% per Month

December 31st

Aug (late): Sale number assigned for delinquent taxes Sep (mid): Tax rates set

Oct (last week): Tax bills mailed

Dec 10 to April 10

Nov 1: First Installment Due

First Installment Delinquent: • ADD 10%

Dec 10 First Installment Delinquent

Checklist for Moving

DOWNLOAD THIS PAGE

BEFORE YOU LEAVE: Address Change Post office: Give forwarding address Charge accounts, Credit Cards Subscriptions: Notice requires several weeks Alert Friends and Relatives

Bank Transfer funds, arrange check cashing in new city Arrange credit references

Insurance Notify company of new location for coverage: Life, Health, Fire and Auto

Utility Companies Gas, light, water, telephone, fuel, garbage Get refunds on any deposits made

Delivery Services Laundry, newspaper, changeover of services

Medical, Dental, Prescription Histories Ask Doctor and Dentist for referrals; transfer needed prescriptions, eyeglasses, X-rays. obtain birth records, medical records and dental records

Pets Ask about regulations for licenses, vaccinations, tags, etc.

And Don’t Forget To Empty freezer; plan use of foods Defrost freezer and clean refrigerator Place charcoal inside to dispel odors Have appliances serviced for moving Remember arrangements for television cable/internet/ home security service

Have appliances serviced for moving Remember arrangements for television cable/internet/home security service Clean rugs or clothing before moving; have them wrapped for the move. Check your Moving Counselor; insurance coverage, packing and unpacking labor, arrival day, various shipping papers, method and time of expected delivery and payment Plan for special care needs of infants or pets

ON MOVING DAY Carry enough cash or travelers checks to cover the cost of moving services and expenses until you make banking connections in your new city. Carry jewelry and documents on your person; or use registered mail Plan for transporting pets; they are poor traveling companions, if unhappy. Carry travelers checks for quick available funds Let a close friend or relative know the route and schedule you will travel including overnight stops; use him or her as a message headquarters Double check closets, drawers, shelves to be sure they are empty Leave all old keys needed by the new tenant or owner with your Realtor® or a neighbor.

AT YOUR NEW ADDRESS Obtain certified check or cashier’s check necessary for closing the Real Estate Transaction Check on telephone, gas, electricity, water and garbage services Check pilot light on stove, hot water heater and furnace Have appliances checked Ask Mail Carrier for mail he or she may be holding for your arrival Have new address recorded on driver’s license Visit city offices and register for voting Register car within five days after arrival in state or a penalty may have to be paid when getting new license plates Obtain inspection sticker and transfer motor club membership Apply for state driver’s license Register family in your new place of worship Register children in school Arrange for medical services: Doctor, Dentist, Veterinarian, etc.

Joske Thompson | 415.608.2233 | Joske@joske.org | Joske.org | DRE 00843865

Services Directory

DOWNLOAD THIS PAGE

GAS + ELECTRIC

RECYCLING | WASTE PICK-UP

Pacific Gas & Electric (PG&E) 800.743.5000 | www.pge.com

Recology Golden Gate 415.330.1300 | www.recology.com

PG&E 24 Hour Power Outage Information Center 800.743.5002

Recology Sunset 415.330.1300

TELEPHONE | INTERNET | TELEVISION CONNECTION

Recycle Central 415.621.6200

AT&T 800.310.2355 | www.att.com

San Francisco Transfer Station 415.330.1400

Comcast Xfinity 800.945.2288 | www.comcast.com OR www.xfinity.com

WATER

Vonage 800.980.1455 | www.vonage.com Dish Network (Satellite) 888.557.9569 | www.dish.com Direct TV (Satellite) 888.489.3591 | www.directv.com

San Francisco Water Power Sewer 415.551.3000 | www.sfwater.org

SAN FRANCISCO CITY + COUNTY POLICE DEPARTMENT www.sanfranciscopolice.org Life Threatening Emergencies or Crimes in Progress call 9-1-1 Non-Emergency call 415.553.0123

DMV Department of Motor Vehicles 1377 Fell St., San Francisco, CA 94102 800.777.0133 | www.dmv.ca.gov

SAN FRANCISCO UNIFIED SCHOOL DISTRICT San Francisco Unified School District 555 Franklin Street, San Francisco, CA 94102 415.241.6000 | www.sfusd.edu

San Francisco Fire Department 415.558.3200 | www.sf-fire.org Bureau of Fire Prevention 415.558.3300 San Francisco Chamber of Commerce 415.392.4520 | www.sfchamber.com

Joske Thompson | 415.608.2233 | Joske@joske.org | Joske.org | DRE 00843865

Joske’s Biography

Global Real Estate Advisor, CIPS President Emeritus, FIABCI San Francisco Council joske.org | 415.608.2233 Broker at Compass, DRE# 00843865 1699 Van Ness Avenue, San Francisco, CA 94109

Broker since 1983 Joske works equally well with property sellers and those looking to buy property in San Francisco, primarily because he never loses sight of their goals.

Joske has been a licensed real estate broker since 1983. His extensive experience in both residential and commercial sales over the last 37 years has made him a coveted real estate resource.

Trusted Counselor. Skilled Negotiator. Expert Facilitator.

His instinctual ability to identify market directions and new market trends within the San Francisco property market was honed in his background when he co-founded the real estate division at an Australian Merchant Bank. His global reach as a Certified International Property Specialist is complemented by local expertise in San Francisco, where he is consistently ranked as a top producing agent and is Chair of the Global Business Council at the San Francisco Association of Realtors. Facilitating international business development with the most representative organization of the real estate industry in the world, Joske is a member of FIABCI, an elite network represented in 65 countries with members from all professions of the real estate sector. His extensive knowledge on international property and investment practices, paired with his robust worldwide network, affords Joske the competitive edge to deliver successful strategies for his global clientele. Joske works equally well with property sellers and those looking to buy property in San Francisco, primarily because he never loses sight of their goals. He has established a solid reputation for adeptly representing luxury real estate buyers, sellers, and developers from across the globe. He has sold properties in exclusive territories in San Francisco, Marin County, Sonoma County, Napa Valley, and Lake Tahoe. During his time away from the office, Joske enjoys the arts. He has served on the Board of several organizations, including SECA at SFMOMA, SF Art & Film for Teenagers, The Joe Goode Performance Group, and Capp Street Project/California College of the Arts.

Why Consult Joske when Buying or Selling? Expertise Joske Thompson has the experience and resources to find homes that suit your needs. If you are selling, Joske may be able to help you make more on the sale than you could on your own. Contacts You don’t know who’s who in the business-but Joske has friends all over the market. Inside Savvy Joske is familiar with all the local and current real estate values, taxes, costs and services that could affect your purchase. Numbers Joske knows the local market and can help you set a fair market price if you’re selling, or can advise you on a reasonable price for a given home if you are buying. Experience Joske has counseled many others like you. He can help you determine how much home you can afford and show you some financing methods. Time Spare yourself hours of research by conferring with Joske. He already knows the answers to many of your questions. Support Purchasing a home can be unbearably stressful. Allow Joske to attend to all the details that may overwhelm you. Success Joske can help you show your home to potential buyers at its best advantage. Joske will advise prospects of all aspects of your home, and protect you from later objections. Resourcefulness Joske can show you a variety of homes suited to your needs, and can also suggest simple changes that could make a home a good choice. Marketing Sense Joske takes a proactive approach to marketing your property by planning, organizing, implementing & controlling the progress of the listing from initial signing through to close of escrow.

Joske’s Online Presence Always Connected. Maximum Exposure. Optimal Results. Gracefully matching passionate clientele with distinguished properties takes place in-person and on the internet. Joske’s cohesive social media and listing market strategies are rooted in a deep understanding of the nuances that occue in the SF residential districts in addition to the latest commonplace for business transactions online. Artfully, crafting the message, maximizing reach, and creating competitive advantage by utilizing the latest digital practices continually guides Joske’s clients towards their ideal properties and crucial market information.

Website Stats

81K Annual Page Views 2019

67K Unique Visitors 2019

6K International Visitors 2019

Joske.org compass.com/agents/joske-thompson/