There's a viral email circulating around that has been sent to me by a few of our associates who had received it from clients . . .
The "Freak-out factor" is off the charts because the bill in its original form was far from "user friendly" for real property owners.
Below is a copy of that email - The MYTH . . . and below that is - The MYTH BUSTING - a summary of what actually passed as well as a link to the National Association of REALTORS website where you can find more information:
"H.R.2454: "American Clean Energy and Security Act of 2009" Beginning one year after enactment of H.R. 2454, you won't be able to sell your home unless you retrofit it to Comply with its energy and water efficiency standards. The "Cap & Trade" Bill, already passed by the House of Representatives and pending in the Senate, will be the largest tax increase ever. The Congressional Budget Office estimates that the average cost to every family of four will be $6,800 per year. No one is excluded. Mr. And Mrs. Middleclass America will Pay even more since those with lower incomes can apply for a tax refund (even if they pay no taxes at all) to offset this new cost.
Under the Act you won't be able to sell Your house without the permission of the EPA administrator. Yes, you read That right. Even if you have enough money to make the required upgrades to Your home, or if your income is low enough that the government subsidizes Your upgrades, you can sell it only if the EPA Administrator approves it. Even pre-fabricated homes are included.
To get this permission, you will have to Have the energy efficiency of your home measured. Then the government will Tell you what the new energy efficiency requirements are and you will be Forced to make modifications to your home under the retrofit provisions of This Act to comply with the new energy and water efficiency requirements. Then you will have to get your home measured again and get a license (called A "label" in the Act) that must be posted on your property to show what your Efficiency rating is; sort of like the Energy Star Efficiency rating label on your refrigerator or air conditioner. If you Don't get a high enough rating, you can't sell. And, the EPA Administrator. Is authorized to raise the standards every year, even above the automatic Energy efficiency increases built into the Act.
The EPA administrator, appointed by the President, will run the Cap & Trade program (aka the "American Clean Energy and Security Act of 2009") and is authorized to make any future Changes to the regulations and standards he alone determines to be in The government's best interest. Requirements are set low initially so the Bill will pass Congress; but thereafter the Act requires that there be Annual increases in energy efficiency for private and commercial residences And buildings.
Sect. 202: Building Retrofit Program Mandates a national retrofit program to increase the energy efficiency of All existing homes across America . The Act allows the government to give You a grant of several thousand dollars to comply with the retrofit program Requirements if you will meet certain energy efficiency levels.. Who will Be eligible for these grants? The government will decide who qualifies to Receive the grants. As long as the Obama Administration is enforcing the Act, you can expect such requirements as "can't have an income of more than $50K per year," or "home selling price can't be more than $125K," etc.
Sect.. 204: Building Energy Performance Labeling Program requires that "at least 90 percent of the residential Market within 5 years after the date of the enactment of this Act" shall be Measured, rehabbed, remeasured and labeled with its energy efficiency Performance. The EPA administrator will get $50M each year, and the Secretary of the Department of Energy will get an additional $20M each year, To enforce the labeling program. You will be required to post the label in A conspicuous location in your home and will not be allowed to sell your Home without having this label. The government estimates the cost of Measuring the energy efficiency of your home should cost only $200 each Time. [Note: When the California auto smog inspections first started, they Were to cost $15. Now they cost $50 and up for the inspection andCertificate.]
Sect. 304: Greater Energy Efficiency in Building Codes establishes new energy efficiency guidelines for the National Building Code and mandates that 1 year after enactment of this Act, all State and local jurisdictions must adopt the National Building Code energy Efficiency provisions or must obtain a certification from the federal Government that their state and/or local codes have been brought into full Compliance with the National Building Code energy efficiency standards.
MYTH BUSTING
Here's what actually happened:
The American Clean Energy and Security Act
The U.S. House of Representatives approved H.R. 2454, the American Clean Energy and Security Act by Reps. Waxman (D‐CA) and Markey (D‐MA). Following NAR’s long‐standing policy to only take a position on legislation, or provisions within legislation that have a direct affect on real estate, NAR worked with our Congressional allies to strip the Energy Bill of provisions that would have adversely affected our industry.
After multiple consultations with the NAR Climate Presidential Advisory Group, the NAR Land Use, Property Rights and Environment Committee, and state associations who had dealt with energy audit legislation at the state level, the Land Use, Property Rights and Environment Committee directed NAR staff to concentrate on the real estate provisions in the bill. As a result, NAR issued calls for action and made this a talking point for Capitol Hill visits during its recent Midyear meeting.
Overall, REALTORS® succeeded in making a number of positive changes affecting the real estate provisions of the bill. The House‐approved bill:
Does not create a federal energy audit requirement for real property;
Exempts existing homes and buildings from any federal guidelines for new construction energy efficiency information labels.
Prohibits the implementation of any labeling during a sales transaction.
Leaves the decision to states as to whether to require energy audits, disclosures, etc.
Provides property owners with significant financial incentives, matching grants and tools to make property improvements and reduce their energy bills;
Prohibits the Environmental Protection Agency from regulating residential and commercial buildings under the Clean Air Act;
Eliminated an early proposal to allow citizens to sue over minor climate risks under the Clean Air Act; and
Establishes green building incentives for HUD housing, including a loan program for renewable energy, block grants and credit for upgrades in mortgage underwriting.
Follow this link for other documents pertaining to this law.
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
We know better than to think that we can create motivation, so our focus was on having found motivated Buyers how we can create some urgency to protect them from their own inaction.
If you're a motivated Buyer, and you are not BUYING because you're waiting for "better" ANYTHING (Pricing, rates, etc) You are playing a dangerous game.
We blew the dust off a few archived Gary Keller & Dave Jenks videos and found this golden nugget.
REALTOR to Buyer:
"If you buy a house today, I am willing to GUARANTEE that I will will buy it back from you in ten years at the same price. DEAL?"
The Buyer will say: "NO WAY!"
Why?
Because of the high probability that the house will be worth MORE in 10 years than today.
PLUS . . . Owning a home is an investment that you get to LIVE IN!
Additionally, consider the leveraging power of buying a house.
For relatively very little capital investment (Down-payment), home ownership offers potentially gargantuan gains in ROI over time.
With a taste of careful budgeting, most folks could actually pay OFF most (if not all) of a home mortgage in a 10 year period of time . . . THEN what do you have?
FORCED SAVINGS!
There you sit 10 years from now having made an initial 3.5% investment (FHA financing) - Let's say a $200,000 house = $7,000 . . . You get to live in it and pay your mortgage (You'd be paying to live somewhere anyway) . . . and it appreciates as real estate has historically appreciated over time @ 3% per year . . . and you're sitting on an ASSET worth @ $270,000.
Hmmm . . . Turning a $7,000 investment into $270,000 in 10 years.
Sounds like a great reason to buy a house NOW!
OBTW - That 3% annual appreciation is probably lower than reality when the market turns UP.
I'm just sayin'
Best,
b
Barry Owen Principal Real Estate Broker Keller Williams Realty 30 Burton Hills Blvd Suite 175 Nashville, TN 37215 - Green Hills
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
The truth is that interest rates will rise before this chapter in the story of our economy ends.
It is also inevitable that when they do rise, they will rise QUICKLY!
Thus far, the Powers that be have effectively (artificially) been able to enable us all by keeping the rates low . . .
As Gary Keller said: "When the American public stopped spending, SOMEONE had to spend . . . so the Government has stepped in and has been doing the spending for us to keep the economy moving and hold off inflation."
The trick is that eventually even the government will have to decrease spending . . .
This comes to mind for me today as I remember that when I got into this business of selling houses in 1993, the interest rates were for the first time in YEARS just dipping below double digits . . . and there was veritable dancing in the streets.
From then until now, we have all enjoyed hilariously LOW interest rates and have reaped LOTS of rewards . . .
and we have been cruising along "borrowing Buyers from the future" and basking in our gluttony.
I think we are finally at the point where we are going to need teenagers to start buying houses because nearly 70% of all other humans in the USA now own houses . . . The pool of available Buyers HAS shrunk because we created such a "friendly" home buying experience.
So here's my message . . .
Don't let yourself stay in denial . . .
RATES WILL RISE!
and
When they rise, they will rise QUICKLY!
If you're alive and have the ability to buy a house, NOW is the time to do it . . . PERIOD!
And REALTORS . . . If you are not a die-hard believer in this and are not communicating this very real threat of rate increase to your sphere of influence, I recommend some level of therapy to pull yourself out of denial.
A YEAR AGO, Keller Williams Realty published a brochure entitled "What Are You Waiting For?"
Did you know that a 1% increase in rate results in @ an 11% DECREASE in Buying Power?
Here's how that looks:
When that brochure was created, rates were @ 6.04% (Today, they are significantly lower)
Add a 1/2 point to the rate @ 6.54% and the selling price drops to $207,955 for the same payment.
Add another 1/2 point to 7.04% and the Buyer power decreases to $197,010 for the same payment
Just imagine what happens when the rates jump SEVERAL points in a relatively short period of time???
Get yourself out of denial and PAY ATTENTION to the probability of this happening.
How will this affect Home Buyers and Sellers?
What will we need to do differently to keep the market flowing?
These are the questions we need to be addressing NOW.
Oh yeah!
and it can't hurt to educate our potential Buyers a bit . . . If they are standing on the sidelines waiting for values to fall further, I believe it would tragic for them if interest rates ROSE while they were waiting.
I'm just sayin'
Best,
b
Barry Owen Principal Real Estate Broker Keller Williams Realty 30 Burton Hills Blvd Suite 175 Nashville, TN 37215 - Green Hills
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
Have you ever been watching TV or listening to the radio when there was a "Network Glitch" that caused the sound to decrease or get garbled and difficult to understand?
How 'bout when you are talking with a person who speaks a different language, and you're having difficulty understanding?
Can't quite make out what that sign says on that blimp flying over?
What's your first gut reaction?
Most people TURN UP THE VOLUME when they begin having difficulties with communication.
or FOCUS more intently to seek understanding.
Listen to your gut also when the economy and the real estate market go weird on ya.
Sure, you could ignore it and plod along in denial and hope for the best.
Denial offers that great opportunity to keep doing the same things (Stay in your comfort zone) all the while expecting the same results in a RADICALLY different environment.
Denial can also lead to certain death of your business.
Pay attention to your gut . . . to how your body responds in times of uncertainty and apply all that to your way of responding to an ever-shifting market environment.
When things get wacky, your adrenaline should start PUMPING.
It's time to TURN UP THE VOLUME!
When your listings are not selling, FOCUS on those listings individually to find understanding as to why they are not selling . . . AND . . .
GET MORE LISTINGS!
Listings attract BUYERS even in markets where you think all of the Buyers have left the roost.
In my coaching appointments this week, I have heard many rationalizations as to why goals are not being met.
"The HomeBuyer Tax credit was extended/expanded, so the Buyers have lost their urgency."
"It's the HOLIDAY season, so I guess I'll just have to accept the fact that business will be slower."
and many more.
I say:
"HOGWASH!"
Get off your duff and find that adrenaline rush for your business . . . The rush that is similar to one you had that day when the train was heading straight for your car which was stalled straddling the tracks :-)
GO OUT THERE AND FIND MORE LISTINGS!
PERIOD!
There is NO better time than NOW to BUY a home . . . (Your new mantra as you move about your target area).
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
There are only a few things in this world we can all really expect to be able to count on - Death, Taxes, & CHANGE!
These are all equally inevitable and unavoidable, yet many people exert vast amounts of energy evading them.
I "get" the motivation to "cheat Death" . . . That's one cause I'll join without much thought . . . So I try to watch what foods and drink I consume and am careful while driving and how Ilive my life . . . I don't feel ready for that "Ultimate Change" because I think I have a LOT left to do while here.
Some folks get great thrill from cheating taxes . . . That might be fun but stands a good chance of facing the music in the form ultimate clash with the government. I think that if you don't want to pay the taxes you only have a few valid choices . . . Move to a place where the taxes are lower (and likely the services and protection of your way of life will be less secure) or join the politicians and see what you can do about legally decreasing taxes.
Cheating change itself is a complete exercise in futility. We do this in many ways, and it's seldom pretty.
There's disappointment, fear, denial, anger, PAIN, and a whole slew of emotions that emerge at some level with each and every change . . . and the real sentiment is: "Why can't things just stay the way they have ALWAYS been?"
Because in this world if there were no change, the whole system stalls into doldrums and ultimately dies.
Change creates opportunity for GROWTH.
Change offers a chance to move on - TOWARDS better/different things.
Change keeps us entertained.
Change brings new people and relationships into our lives . . .
and
Change removes some people from our lives.
In yesterday's homily, our priest said that change offers the chance to re-set the clock . . . or flip the hour-glass and begin anew.
Keep yourself in POSITIVE FLOW and celebrate change - I find it exciting as I consider the possibilities.
Best,
b
Barry Owen Principal Real Estate Broker Keller Williams Realty 30 Burton Hills Blvd Suite 175 Nashville, TN 37215 - Green Hills
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
We are an accumulation of all of our prior relationships, experiences, accomplishments, joys and sorrows.
Some believe they can forsake all of that and be someone different in their professional role than they are in their personal lives . . . That there can a well defined chasm between the two never to intertwine.
Others are "All work, no Play . . . makes a dull life"
or "All play, little work" . . . FUN but not very lucrative . . . Gotta pay the bills somehow.
So, therein lies the enigma for many professionals who have what it takes to achieve high levels of success, but thwart their own success . . . They simply fail to learn this dance.
I believe you are who you are - warts and all . . . and you should be proud of it and DECLARE it to the world.
Don't attempt to change who you are for professional reasons.
AND
Don't sell yourself short when it comes to integrating your professional goals and aspirations into your personal life.
If you aren't reaching your professional goals and you are intentional protecting your personal friends, family, and acquaintances from your professional self . . . QUIT THAT!
I believe they will not take you seriously and will "dismiss" your career as a hobby . . . and will not refer business to you.
They've ALL gotta know that you are a driven professional and that you and your business NEED their support.
You must invite EVERYONE into your life fully.
We are not here to dabble in life . . . Life is too short for that . . . Let's get the most out of it.
It's OK for you to have different presences - Like a personal and a professional page on Facebook . . . or personal on Facebook and professional elsewhere (Linkedin) . . . Just be sure to extend invitations to EVERYONE to both places.
I think you might be surprised to see how many of your personal relationships have a great interest in the success of your professional self . . . and how many of your professional relationships who would be interested in knowing your personal self.
If you shield yourself, you limit your success.
Stop worrying about whether your friends and family "care" about your work . . .
they DO . . .
AND they would be honored to be a part of your success.
Go ahead and invite'm in :-)
I'm just sayin'
Best,
b
Barry Owen Principal Real Estate Broker Keller Williams Realty 30 Burton Hills Blvd Suite 175 Nashville, TN 37215 - Green Hills
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
Seems like as the market slowed, Broker Open Houses have been swarming.
The up-side is that there's really no excuse for any REALTOR not to enjoy a good lunch on any given day.
The down-side is that if you are the one hosting the luncheon for your Seller, your invitations may get lost in the shuffle . . . and thereby low attendance.
The competition is fierce for attendance . . .for getting other REALTOR's attention.
In my market, I think I see @ 10 email blasted brochures DAILY . . .
I'm very quick to delete . . .
UNLESS . . .
Something REALLY catches my eye . . . Like THIS!
"See 5 Great Houses and WIN A NETBOOK"
Note . . . a FABULOUS PRIZE!
In this case a Netbook which I got for @ $315 ($63 per agent)
FOUR real Estate companies represented (5 agents) for DEEP exposure.
An eye catching brochure.
This Broker Open House has been announced by all 5 agents to their individual offices and the the entire local REALTOR public multiple times.
None of the REALTORS are on the hook for a heavy (expensive) luncheon, and we and our sellers all benefit from a robust attendance,
If you're gonna do something in this market . . . DO IT LARGE!
I'm just sayin'
Best,
b
PS . . . we invited the general public also :-)
Barry Owen Principal Real Estate Broker Keller Williams Realty 30 Burton Hills Blvd Suite 175 Nashville, TN 37215 - Green Hills
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
For many people, the conventional wisdom is that they should pull their OFF the market through the holidays because of myriad "reasons" and wait til the Spring market.
My initial question is: "Has your motivation changed? Don't you want to SELL your home?"
Sure, there can be some inconveniences with showings happening while celebrating . . .
and sure you can listen to the "mass of men who lead lives of quiet desperation" . . .
and you can succomb to the dreary and cold winter weather and allow the Seasonal depression to "talk" you into complacency.
OR
You can CHOOSE to be BOLD and LIVE LARGE and stay IN (or ENTER) the market during this remarkable time.
After all, you would be doing your ultimate Buyer the HUGE favor of simplifying their Christmas Shopping . . .
They can simply buy YOUR house as the"Family Gift".
As other houses LEAVE the market, the adventuresome, motivated Sellers and Listing Agents dive INTO the market with great gusto and enthusiasm.
The choice is yours . . . Below is a list of 11 reasons to list your house during the holidays from Keller Williams Realty's Thriving in a Shifted Market book.
and below that . . . a tip from me for REALTORS who are interested in jump-starting their 2010 year NOW!
Here's my tip:
START WORKING WITHDRAWN LISTINGS!
Begin by previewing all of the houses currently available in your target area.
Now WATCH THEM!
As they withdraw from the market (and many WILL), give the owners a call to find out WHY?
Be armed with this list of reasons and head onover to take a slew of new listings.
The worst thing that could happen is that you could take a lot of listings in the next 60 days.
What would taking a LOT of listings in the next 60 days do for your business next year?
hmmmm
Any Sellers in Middle TN thinking about taking a break from the market?
Just give me a call as soon as your house is withdrawn, and we'll get rolling with getting it SOLD :-)
I'm just sayin'
Best,
b
Barry Owen Principal Real Estate Broker Keller Williams Realty 30 Burton Hills Blvd Suite 175 Nashville, TN 37215 - Green Hills
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
Sunday morning, Deb and I both simultaneously said that we would LOVE a robust cup of Starbucks coffee instead of our usual (Less robust and less tasty) home brewed java . . .
We knew that our local Starbucks Opens @ 5:30 AM and the time was @ 6:45, so I grabbed my wallet and keys and drove the mile and a half to get the goods.
While driving there, I could almost smell and taste that fresh brewed coffee.
Strange but true, I was anticipating that first sip . . .with boyish excitement :-)
When I turned into the parking lot of the strip mall, I sensed that something was wrong . . .
I saw a cluster of "things" at the front door of the Starbucks.
My heart sank as I drove closer certain that there had been some sort of coffee catastrophe . . . and that I would not be able to get what I came to get.
When I got close enough to see clearly (Eyes still "morning Blurry"), I saw a SHOCKING display of "limited Service"
Instead of opening the store, they had decided to fill a few cambros with coffee and put them on a folding table and had a single employee serving coffee from those over-grown thermos's.
Unbelievable!
Perhaps I'm going over the top here, but 9/10 of the appeal of Starbucks is the ambiance of walking into the place and getting the sensation and warmth and the smell . . . and having a FRESHLY BREWED cup of coffee.
Luckily, there's another Starbucks 3 miles down the road . . . I went there and enjoyed the full experience.
Call me crazy, but there is NO WAY I'm buying my coffee from a cambro on a sidewalk when I can get the full experience 5 minutes away.
Next time you think about cutting your level of service for your clients, think again.
Your clients won't tolerate it . . . They'll go to your competitor.
Cut expenses? YES!
but not at the cost of reducing your level of service.
There are customers who will happily pay less for less service and/or quality, and that's OK!
If you say you're the BEST, you've gotta BE the best.
No compromising allowed!
I would have rather driven up and found that Starbucks CLOSED then to experience "less"
Consumers these days want ALL . . . or nothing . . . There's not much tolerance for "in-between"
I'm Just sayin'
Best,
b
Barry Owen Principal Real Estate Broker Keller Williams Realty 30 Burton Hills Blvd Suite 175 Nashville, TN 37215 - Green Hills
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
Your client's listing is sitting listless in a sea of other similar listings.
To the Buying public, they are all starting to look the same.
You find it difficult to distinguish much differentiation for YOUR client's house to get more attention from the others.
You've convinced the Seller to take the price as low as they can go . . .
You've tried ALL of the conventional stuff.
Open Houses with a bajillion pointer signs and balloons . . .
A Broker Luncheon . . .
Brochures and BLAST emails to everyone on the planet . . .
You might have even gone door knocking through the neighborhood in search of a prospect.
All to no avail.
The Seller is getting anxious and is beginning to call you more frequently . . .
and you can sense that they are starting to lose confidence in YOU . . .
After all, isn't EVERYTHING that happens (Good or Bad) the fault of the REALTOR?
You might be falling out of love with the listing (and the Seller), yet you continue to hang on because you have so much time, energy, and money already invested . . . At a MINIMUM, you have committed yourself to be there when the right Buyer DOES eventually walk through the door.
When will that be?
How much longer can you dance the same old dance and continue to humor the Seller without anything new and exciting happening (like an offer)?
I'd say that unless you can get yourself thinking outside the box, you're on a path towards that call from the Seller informing you that they are going to "go with a different REALTOR"
While that might be a relief in some cases, it never feels good.
What's "out of the box"?
Could the property be RENTED for a while?
Perhaps there's a Property Management company you could align with to handle that side of things.
If the Seller is wanting to move to a different area, they can certainly rent something there . . . Rent their house out here . . . and go ahead and make their move.
How about something like a "long range purchase" . . . Lease-purchase?
Could you leave the ski boat in the garage for the Buyer?
How 'bout an annual membership to the local gym?
or . . . mounted TVs throughout the house that remain.
or
or
or
We are now at the point in our respective markets that "average same ole" ain't cuttin' the mustard for many of the listings out there.
I thinks it's worth getting a LOT creative with our listings if for no other reason than to PRESERVE OUR RELATIONSHIPS WITH OUR CLIENTS.
Our most valuable business asset is our relationships with our clients . . . and these clients expect us to demonstrate determination and drive and sticktoitiveness and creativity and innovation when things go quiet.
I don't think you can gracefully get away with saying:
"OH! Well! The whole MARKET is SLOW! THAT"S why you're not getting showings. We'll just have to have PATIENCE and wait this out."
While a strong dose of patience is absolutely necessary, that simply CANNOT be your strategy because just as a river erodes the banks - the passage of time erodes your client relationships, and . . .
All relationships are available.
I'm just sayin'
Best,
b
Barry Owen Principal Real Estate Broker Keller Williams Realty 30 Burton Hills Blvd Suite 175 Nashville, TN 37215 - Green Hills
Simply & BOLDLY Living the FourFold Way in Open Space!
Quintessentially connected to the real estate industry to offer the ultimate experience for Home Buyers and Sellers in Middle Tennessee . . . Inquire within!
Stream of consciousness commentary on the real estate industry from the perspective of a principal Broker of a Keller Williams office in Midlle Tennessee - Also a Career Development Coach with vast Organizational Development/Transformation training and experience - in the industry since 1993
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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