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Lisa Mascaro's Blog
Economic Advisor
Brought to you by Brady Spangler of Axia Home Loans
November 23, 2016
      

Last Week's Economic News in Review
November 23, 2016
Housing starts rocketed to a nine-year high, while retail sales exceeded market expectations and layoffs dropped to their lowest point in 43 years.

Housing Starts

Starts on new housing construction hit their highest point since the height of the housing boom in 2007. Starts on private housing in October shot up 25.5 percent, to reach an annual rate of 1.32 million, according to last week’s joint release from the Census Bureau and the Department of Housing and Urban Development.

Compared to the same period last year, October’s rate for overall housing starts was 23.3 percent higher than October 2015’s rate of 1.07 million. Starts on single-family homes grew 10.7 percent to hit a rate of 869,000.

“Housing starts are being driven higher by improved household growth as the economy promotes further job and income gains,” Nationwide Mutual Insurance Co. Chief Economist David Berson told U.S. News & World Report. “With improved employment and income prospects, millennials are an expanding portion of housing demand as they move out of their parents’ homes — increasingly to form families.”

Construction permits issued for private housing ticked up 0.3 percent in October to an annual rate of 1.22 million, which was 4.6 percent over October 2015’s rate of 1.17 million. Permits for single-family homes grew 2.7 percent in October to a rate of 762,000, which was 2.7 percent higher than September’s 742,000 permits.

Retail Sales

Retail sales for October grew 0.8 percent to hit $465.9 billion, beating marketing expectations of 0.6 percent, and sales for the August-through-October period increased 3.3 percent, the Census Bureau reported last week. Compared annually, October’s sales were 4.3 percent higher than October 2015’s and notably sales in October for non-store retailers (such as online businesses or kiosks) jumped up 12.9 percent over their October 2015 sales.

Key performers were sales for gasoline stations, which grew 2.2 percent; sporting goods, hobby, book and music stores, which increased 1.3 percent; building material and garden stores, which gained 1.1 percent; and food and beverage retailers, which enjoyed a 0.9 percent gain.

“The consumer is in very good shape and is poised to continue to lead the economy forward based on rising wages, low unemployment and clean balance sheets,” Amherst Pierpont Chief Economist Stephen Stanley told the Wall Street Journal.

Initial Jobless Claims

First-time claims filed for unemployment benefits by the recently laid off during the week ending November 12 tumbled to 235,000, a decline of 19,000 claims from the preceding week’s total of 254,000, the Employment and Training Administration reported last week. This is the lowest level for lay-offs since November 24, 1973’s total of 233,000.

The four-week moving average — considered a more stable measure of layoffs — fell to 253,500, a drop of 6,500 claims from the prior week’s average of 260,000.

This marked the 89th straight week of initial jobless claims below 300,000 — a level that economists say indicates a growing job market — and the longest streak since 1970.

Economic Advisor
Brought to you by Brady Spangler of Axia Home Loans
November 09, 2016
      

Last Week's Economic News in Review
November 9, 2016
New home construction bucked a downturn in overall construction, while the monthly unemployment rate was essentially unchanged and layoffs saw a small spike.

Construction

Construction spending in September dipped to an annual rate of $1.15 trillion, which was 0.4 percent below August’s pace of $1.154 trillion, according to the Census Bureau. Compared annually, September’s rate was 0.2 percent below September 2015’s estimate of $1,152.1 billion, marking the first year-over-year drop in five years.

Spending on private construction dipped to an annual rate of $879.7 billion, which was 0.2 percent below the revised August estimate of $881.6 billion. But, residential construction rose to an annual rate of $453.7 billion in September, which was 0.5 percent over the August pace of $451.3 billion. Nonresidential private construction was dropped 1 percent to an annual rate of $426 billion.

So what was the key driver for the overall downward trend? Public construction spending fell 0.9 percent to an annual rate of $270.3 billion.

“There is still plenty of oomph in private demand for construction and growing support for school construction, but public infrastructure investment is crumbling just when it is needed most,” Associated General Contractors of America Chief Economist Ken Simonson told National Mortgage Professional Magazine. “These conflicting trends have left total construction spending nearly flat for the past 15 months.”

Unemployment

The U.S. economy added 161,000 non-farm jobs in October, which kept the unemployment rate at 4.9 percent, with 7.8 Million people out of work, the Bureau of Labor Statistics reported last week. Key sectors that added jobs were healthcare, professional and business services, and financial activities.

The number of Americans involuntarily employed on a part-time basis for economic reasons, such as their hours getting cut or that being the only work they could find, essentially hovered at 5.9 million. The number of people without a job for 27 weeks or longer, referred to as the long-term unemployed, was unchanged at 2 million in October, which represented 25.2 percent of the unemployed population.

Average hourly earnings for all employees on non-farm payrolls grew by 10 cents in October to $25.92, following an 8 cent increase in September. Compared to October 2015, average hourly earnings rose by 2.8 percent.

“We’re increasingly seeing evidence that the labor market is tight enough to put some upward pressure on wages and inflation generally as well,” High Frequency Economics’ Chief U.S. Economist Jim O'Sullivan told the Washington Post. “The message generally from this is that the Fed probably won’t want the unemployment rate to go a lot lower.”

Initial Jobless Claims

First-time claims for unemployment benefits filed during the week ending October 29 hit their highest point in three months, according to last week’s report from the Employment and Training Administration. Initial jobless claims filed during that week hit 265,000, a gain of 7,000 claims from the preceding week’s total of 258,000.

Most economists chalked up the surge partially to Hurricane Matthew, which allowed some employees eligible to claim unemployment benefits after the storm temporarily closed some businesses starting October 8. State-level data did indicate upswings in those states. Others said the rise was a bit of a statistical “reset.”

“The snapback in the number of new filers may be a garden variety makeup for two readings below 250,000, rather than a result driven specifically by the storm,” Amherst Pierpont Securities Economist Stephen Stanley told the Wall Street Journal.

The four-week moving average — considered a more stable measure of layoffs — notched up to 257,750, an upturn of 4,750 claims from the prior week’s average of 253,000. The week was the 87th consecutive week of first-time claims under 300,000, which is a level economists consider indicative of a growing job market. This is the longest such streak since 1970.

Wells Fargo Mortgage rate
Brought to by by Dan Bardenhagen of Wells Fargo Home Loans
November 04, 2016
      

Current Mortgage Rates for MAUI COUNTY, HI
I hope you are having a great day! I've included below a selection of current rates for a few of our many products. I'd be happy to discuss options with you and your client based on their particular needs.

Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Conforming  2.875% 3.477%
7/1 ARM Conforming  3.000% 3.436%
30-yr fixed Conforming  3.500% 3.525%
VA 30-yr fixed  3.250% 3.348%

Non-Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Non-Conforming  2.750% 3.410%
7/1 ARM Non-Conforming  2.875% 3.355%
30-yr fixed Non-Conforming  3.500% 3.503%
Information displayed is accurate as of 11/4/2016 5:42:57 PM (CT) and is subject to change without notice.
For information on the many other loan options we have available, please contact me. I look forward to hearing from you.


Dan Bardenhagen

Private Mortgage Banker
Private Mortgage Banking
NMLSR ID 653667

Housing market looks strong thru 2016
November 03, 2016
      

http://www.realtor.com/news/trends/housing-market-chugs-on-after-a-strong-first-half-of-2016/

The Weekly Brief
Brought to you by Brady Spangler of Axia Home Loans
October 19, 2016
      

Things are relatively quiet this morning as markets in China and Germany were closed for national holidays, and many traders in the US are out for Rosh Hashanah. The economic calendar is quite full this week with many key economic releases, capped off by Friday's closely watched non-farm payrolls report.  Don't let the quiet opening to the week fool you, because mortgage pricing is likely to be very volatile this week!

SOURCE: CMPS Institute

Current Mortgage Rates
Brought to by by Dan Bardenhagen of Wells Fargo Home Loans
October 07, 2016
      

Current Mortgage Rates for MAUI COUNTY, HI
I hope you are having a great day! I've included below a selection of current rates for a few of our many products. I'd be happy to discuss options with you and your client based on their particular needs.

Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Conforming  3.125% 3.626%
7/1 ARM Conforming  3.250% 3.600%
30-yr fixed Conforming  3.500% 3.517%
VA 30-yr fixed  3.250% 3.289%

Non-Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Non-Conforming  2.750% 3.490%
7/1 ARM Non-Conforming  2.750% 3.371%
30-yr fixed Non-Conforming  3.375% 3.386%
Information displayed is accurate as of 10/7/2016 5:37:04 PM (CT) and is subject to change without notice.
For information on the many other loan options we have available, please contact me. I look forward to hearing from you.


Dan Bardenhagen

Private Mortgage Banker
Private Mortgage Banking
NMLSR ID 653667

Wells Fargo Home Mortgage | 34 WAILEA GATEWAY PLACE, A205 | KIHEI, HI 96753
MAC E3627-021
Tel 808-891-6075 | Cell 808-280-6168

5 Things You Should Know About Interest Rates Now
September 23, 2016
      

Informative article

5 Things you should know about interest rates now

1031 Exchange
September 20, 2016
      

A 1031 exchange is a way to buy and sell investment properties that are of "like-kind" and defer any capital gains for tax purposes.  Below is a list of things that can often go wrong in a 1031 exchange.

1. Failure to get a replacement property with equal or more debt.

2. The term, "like-kind" is rather vague.  You do not need to replace a condo with another condo, you can exchange your condo for a single family home or vacant lot if you wish.

3. Exchanges were created for investment properties so do not move right into your newly exchanged property, be patient and let it build up a rental history. 

4. The most important thing is to always consult with your CPA and attorney to see if using an exchange will even make sense for you.

5. Do not wait until after closing to call IPX 1031 Exchange Services or it will be too late for them to assist you with the exchange.  They are full service and will help you throughout the exchange process.

6.  There are 2 important deadlines not to be missed when doing an exchange.  You have 45 days after closing to identify the new property you would like to use for the exchange.  Then after that you have 135 days to close on that property.

What do condo Fees Cover?
September 16, 2016
      

Informative article

What Do Condo Fees Cover?

Current Mortgage Rates
Brought to by by Dan Bardenhagen of Wells Fargo Home Loans
September 02, 2016
      

Current Mortgage Rates for MAUI COUNTY, HI
I hope you are having a great day! I've included below a selection of current rates for a few of our many products. I'd be happy to discuss options with you and your client based on their particular needs.

Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Conforming  3.125% 3.546%
30-yr fixed Conforming  3.500% 3.515%
VA 30-yr fixed  3.125% 3.239%
15-yr fixed Conforming  3.000% 3.030%

Non-Conforming
Loan Type MI Type Interest Rate APR
7/1 ARM Non-Conforming  2.625% 3.248%
30-yr fixed Non-Conforming  3.375% 3.378%
15-yr fixed Non-Conforming  3.125% 3.144%
Information displayed is accurate as of 9/2/2016 9:43:56 PM (CT) and is subject to change without notice.
For information on the many other loan options we have available, please contact me. I look forward to hearing from you.


Dan Bardenhagen

Private Mortgage Banker
Private Mortgage Banking
NMLSR ID 653667

The Weekly Brief
Brought to you by Brady Spangler of Axia Home Loans
August 29, 2016
      

Mortgage pricing got worse last week after Fed Chair Janet Yellen made some comments that placed another Fed rate hike firmly on the table, perhaps as soon as their September meeting in three weeks. This week, all eyes will be on Friday's non-farm payrolls report. In the meantime, the market will be digesting a full docket of economic releases, including Wednesday's ADP Employment numbers.

SOURCE: CMPS Institute

The Weekly Brief
Brought to you by Brady Spangler of Axia Home Loans
August 22, 2016
      

Later this week on Friday, markets will be watching Janet Yellen's speech at the Fed's annual Economic Policy Symposium in Jackson Hole, Wyoming. Investors are anxiously awaiting to see if a September rate hike is in the cards or if the central bank will wait until December to make a move. Recent speeches by Fed governors and the minutes from last month's Fed meeting have highlighted a lack of clear direction on the part of the Fed.  In addition, markets have an active week of economic data to digest including home sales, GDP and consumer sentiment.

SOURCE: CMPS Institute

Current Mortgage Rates
Brought to by by Dan Bardenhagen of Wells Fargo Home Loans
August 19, 2016
      

Current Mortgage Rates for MAUI COUNTY, HI
I hope you are having a great day! I've included below a selection of current rates for a few of our many products. I'd be happy to discuss options with you and your client based on their particular needs.

Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Conforming  3.125% 3.544%
30-yr fixed Conforming  3.500% 3.515%
FHA 30-yr fixed MIP 3.375% 4.064%
VA 30-yr fixed  3.000% 3.113%
15-yr fixed Conforming  2.875% 2.911%

Non-Conforming
Loan Type MI Type Interest Rate APR
7/1 ARM Non-Conforming  2.750% 3.298%
30-yr fixed Non-Conforming  3.375% 3.386%
15-yr fixed Non-Conforming  3.125% 3.155%
Information displayed is accurate as of 8/19/2016 6:11:21 PM (CT) and is subject to change without notice.
For information on the many other loan options we have available, please contact me. I look forward to hearing from you.


Dan Bardenhagen

Private Mortgage Banker
Private Mortgage Banking
NMLSR ID 653667

5 Things renters should know about owning
August 11, 2016
      

5 Things Renters Should Know About Owning

DAILY REAL ESTATE NEWS | THURSDAY, AUGUST 11, 2016
For renters who aspire to be home owners, transitioning from an apartment to a house requires a shift in their thinking that they may not be prepared to make. The financial changes that come with owning, the need to consider planting longer-term roots in a neighborhood, and new neighborhood rules are things renters may not be thinking about enough.

Moving can already be one of the most stressful times in a person’s life, but it may be doubly so for a new home owner. In order to be their most reliable resource, using your knowledge and experience to provide them with guidance, share these helpful nuggets of information with your clients so their transition from renter to owner can be as smooth as possible.

They need to understand how their financial investment is changing. Renters may see an increase in their monthly rent every lease term, but they don’t see exactly where it goes — toward property taxes and insurance, even “luxuries” such as trash pickup. As home owners, they don’t have a landlord who handles all those details, so they need to be ready to juggle the financial responsibilities of home ownership. Have an open conversation with your clients about these changes and the importance of budgeting to make sure they make smart financial decisions during this process.

They need to be happy with their location for the long-term. As a renter, you can bounce around from home to home every year if you want. But when you own a home, you have to stay put — unless you plan on renting it out, which most home owners don’t. Impress upon your client that location is going to play a much more significant role in their future, so they should think about evaluating school districts, access to amenities, and commute time now as they search for their next home.

They may need to abide by new rules. Renters don’t think about possible homeowner association rules they may be governed by, such as trash pickup rules or any curfews or rules pertaining to animals. Make sure to get all the information on neighborhood rules and associations to help your client understand what their new obligations will be.

They’ll need to get into the mindset of an owner. Life as your client knows it is about to change. Once your client purchases a new home, they will no longer have a landlord to tend to their many needs, including lawn care and plumbing. The best way you can help them as their real estate agent is to provide them with contact information for local industry experts. They will eventually need certified specialists ranging from HVAC companies to carpenters to electricians. Let them know they don’t have to do everything themselves.

They should know their neighbors can affect their value. Renters don’t care who their neighbors are as long as they’re quiet (enough). But your client is now going to want to know whether their new neighbors are renters or home owners. This knowledge can help your clients gauge current and future home value in the neighborhood. If the neighborhood consists mostly of rental properties, it is likely a home owner will lose money on their house in the future. Renters do not always feel responsible for maintaining their properties the way home owners do. Property value comes down to curb appeal. Less-appealing neighborhoods often have more-appealing prices, which is not always good for buyers and home owners.

Source: Rob Rimeris is owner of EverSafe Moving Co. in Philadelphia. EverSafe is a five-star, full-service company that offers affordable moving and storage services.

http://realtormag.realtor.org/daily-news/2016/08/11/5-things-renters-should-know-about-owning?om_rid=AALVsK&om_mid=_BXthPGB9RSTgPN&om_ntype=NARWeekly

Current Mortgage Rates
Brought to you by Daniel Bardenhagen of Wells Fargo
July 08, 2016
      

Conforming
Loan Type MI Type Interest Rate APR
7/1 ARM Conforming  3.250% 3.414%
30-yr fixed Conforming  3.625% 3.640%

Non-Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Non-Conforming  2.875% 3.289%
7/1 ARM Non-Conforming  2.875% 3.220%
30-yr fixed Non-Conforming  3.500% 3.500%
Information displayed is accurate as of 7/8/2016 7:33:11 PM (CT) and is subject to change without notice.

The Return of Quasi Full Employment
brought to you by Mark Vitner, Senior Economist Wells Fargo
July 08, 2016
      

https://www08.wellsfargomedia.com/assets/pdf/commercial/insights/economics/special-reports/quasi-full-emp-20160707.pdf

Current Mortgage Rates
Brought to you by Daniel Bardenhagen of Wells Fargo
July 01, 2016
      

Conforming
Loan Type MI Type Interest Rate APR
7/1 ARM Conforming  3.250% 3.414%
30-yr fixed Conforming  3.625% 3.640%
VA 30-yr fixed  3.000% 3.111%
15-yr fixed Conforming  2.875% 2.911%

Non-Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Non-Conforming  2.750% 3.251%
7/1 ARM Non-Conforming  2.875% 3.219%
30-yr fixed Non-Conforming  3.375% 3.388%
15-yr fixed Non-Conforming  3.375% 3.391%

Kitchen Counter Tops - First Aid for Scratches
Brought to you by Jane Hoback
June 30, 2016
      

You can repair kitchen counter mishaps with only a little time and money. Big boo-boos, however, will need professional help.

Repair kitchen counters that show a history of wine spills, dropped pans, and unidentified sharp objects, and you’ll maintain the value of your kitchen and home. You can easily hide some counter mishaps, while only professional contractors can solve other surface problems. Here’s a look at counter cures and lost causes.

 

Granite

Even granite counters suffer kitchen wear and tear. But you can make them shine with a little time and know-how. After you fix them, don’t forget to reseal them.

Cracks, chips, scratches: Fill nicks in granite by building up layers of epoxy resin colored to match the stone. Clean the area first with acetone, which breaks down grease. Be sure to open a window for ventilation.

Stains: The type of stain -- wine or ink, oil or bleach -- determines the type of poultice you’ll need to suck it out. A paste of flour and hydrogen peroxide pulls out grease, oil, bleach, and ink stains; a mix of flour and bleach cleans wine stains. If you want to go commercial, check out Alpha, Aqua Mix, and StoneTech stone cleaners. Cost: $6 to $20.

Related: Can Granite Film Fool the Eye?

Solid-Surface Counters

Solid-surface countertops, such as Corian, are man-made from resin, acrylic, and other materials. They’re tough but not impervious to scratches and stains. To repair minor scratches, rub a white polishing compound on the area with a wool pad, then apply a countertop wax.

For deeper scratches or cuts, call a professional. Figure labor costs at about $15 to $35 an hour. If you need to replace portions of the counter, figure at least $35 to $65 per square foot.

Laminate

Fixing gouges or covering burns in laminate is tough for mortals, though repairing minor problems is doable.

Fix small chips with laminate repair paste that matches the color of the countertop.
Cover scratches with countertop polish or car wax.
Fix peeling laminate with contact cement applied to both surfaces and pressed back into place.
Remove coffee and tea stains with vinegar or a paste of baking soda and household cleaner.
Bigger problems will require replacing the damaged stretch. Laminate comes in a billion colors, but finding an exact match for an old counter could be difficult.

To get the look you want, replace the counter. Labor will cost $15 to $35 per hour; countertops range from $3 per linear foot for Plain Jane straight-edged laminates to $100 per linear foot for laminates with a beveled edge that look like granite.

Related: Why Laminate Countertops Deserve a Second Look

Tile

If you’ve planned ahead and stockpiled old tiles, then grab a few and replace cracked or scratched areas. If you don’t have extra tile, then attempt the following first aid:

Wipe away scratches with a dab of toothpaste on a clean cloth.
Work epoxy glue into cracks with a toothpick, then color with matching oil-based artist paint.
Remove old grout with a utility knife, then replace with a rubber trowel.
Stainless Steel

Stainless steel countertops become scratched, stained, and dull over time. Although you’ll never completely remove scratches, you can buff them into a warm patina by massaging with vegetable oil.

Remove stains with a paste of baking soda and dish soap. A sprinkle of Barkeeper’s Friend will remove stains without scratching.

Related: 99-Cent Store Solution for Scuffed Countertops

Remove Stains from Walls before you Paint
brought to you by Pat Curry
June 24, 2016
      

Remove Stains From Walls Before You Paint

It's the first commandment of painting. Here’s how to wash seven common stains off your walls.

Painting instructions often warn: Remove stains from walls before painting. But they never say how. Any cleaning rookie can wipe off dust and cobwebs. But it takes a cleaning pro to scour grease stains, watermarks, and kids’ crayon and ink wall art.

Dirt and Grime

Dirt and grime are part of everyday life. The oil from your hands gets onto walls, cabinets, doors, and door frames. A Mr. Clean Magic Eraser ($3 for 4 pads) easily cuts through these stains. Wet the sponge and rub gently to avoid taking bits of paint off with the stain.

Or try this: Mix 1 cup ammonia, 1/2 cup white distilled or apple cider vinegar, and 1/4 cup baking soda with one gallon of warm water. Wipe the solution over walls with a sponge or cloth, and rinse with clear water. The solution won’t dull the painted finish or leave streaks.

Grease

Grease is an occupational hazard of cooking; it covers cabinets and walls and attracts dirt and dust. Any good dish soap can remove grease stains on walls. For small stains, mix 1/4 teaspoon of soap in a cup of warm water, and wipe. Rinse with clean water, and blot until dry. Clean stubborn grease stains with solution of 1/3 cup of white household vinegar with 2/3 cup of water.

Crayons

Wall erasers work like a charm on crayon marks. If they don’t do the trick:

Rub marks with toothpaste (not gel).
Erase marks with an art gum or a pencil eraser; use a circular motion.
Swipe marks with baby wipes.
Sprinkle baking soda on a damp sponge and scrub marks.
Permanent Marker

Permanent markers are tough to remove from walls. Soak a cotton ball with rubbing alcohol and dab the stain. Or spray marks with hairspray, then wipe drips.

Ink

Ballpoint ink, which is oil-based, often succumbs to foaming shaving cream, dry-cleaning solvents such as Carbona, or nail polish remover. Make sure you open windows when using cleaning solvents and polish remover.

Mildew

Mildew is a fungus that eats soap scum and body oil. To remove from walls, spray with vinegar water: 1 tablespoon white vinegar to 1 quart water. Also, try an enzyme laundry detergent; follow the pre-treating directions on the label. Blot it on the stain, and then rinse thoroughly with water.

Water Stains

After you’ve solved the problem that caused the water stains, rinse with a solution of 1 cup bleach to 1 gallon of water to prevent mold and mildew from growing. Thoroughly dry with a hairdryer or fans. If bleaching doesn’t remove water stains, you’ll have to repaint. Prime the walls with a stain-killing primer, such as Kilz Paint.

Mortgage Rates
Brought to you by Daniel.Bardenhagen of Wells Fargo
June 17, 2016
      

Current Mortgage Rates for MAUI COUNTY, HI
I hope you are having a great day! I've included below a selection of current rates for a few of our many products. I'd be happy to discuss options with you and your client based on their particular needs.

Conforming
Loan Type MI Type Interest Rate APR
yourFirst MortgageSM 30-yr fixed Conforming LPMI 4.375% 4.405%
yourFirst MortgageSM 30-yr fixed Conforming BPMI 3.750% 4.185%

Non-Conforming
Loan Type MI Type Interest Rate APR
5/1 ARM Non-Conforming  2.875% 3.290%
7/1 ARM Non-Conforming  2.875% 3.224%
30-yr fixed Non-Conforming  3.500% 3.509%
Information displayed is accurate as of 6/17/2016 9:29:37 PM (CT) and is subject to change without notice.

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