Carlie's Blog

Important Real Property Tax DatesMarch 1Assessment DateTaxes become a lien at 12:01 a.m. They are not immediately due, but payable for the Fiscal Tax Year starting July 1. Thereafter title evidence must show taxes as a lien for the coming Fiscal Tax Year.April 102nd Installment becomes delinquent...

A FICO score is a credit score developed by Fair Isaac & Company. Credit scoring is a method of determining the likelihood that credit users will pay their bills. A credit score attempts to condense a borrower's credit history into a single number. Fair Isaac & Co. and the credit bureaus do not r...

What are Points?Discount PointsDiscount points can be considered ‘prepaid interest' on your loan, so they may be tax deductible and reduce the amount of interest you will have to pay later on. Paying discount points may make the borrower appear more attractive to the lender. Consult your tax prof...

THE FOLLOWING DETAILS THE STEPS TO SECURING A LOAN:1 Pre-Qualification/InterviewMeet with lender/brokerProvide details of purchase/refinance including estimated value/purchase price, balance of existing mortgages, down payment source, income, payments on obligations, etc. Complete loan applicatio...

 There are a number of items that your lender will need to successfully determine the loan amount you qualify for and to successfully close your transaction. The following is a list of items which may be required by your lender. To facilitate the loan approval process, it is recommended that you ...

 12 MONTH MARKETING CAMPAIGN  For your direct mail Marketing to: Sphere of influence/Target demographic area #1. "UPDATE LETTER/INTRODUCTION LETTER" (let them know that they will be hearing from you on a regular basis) #2. "RESOURCE CARD" #3. UPDATES ON REAL ESTATE "INCLUDE MORTGAGE RATES" (the g...

Training Classes ► Red Flags of a Preliminary Title Report-This Course teaches the Realtor to understand the basics of a preliminary title report and what to look for from their perspective. It also outlines red flags and items of interest. Do they really need to read it? Find out! ► Escrow 101- ...

I saw this and thought that is was fun. I think that this is the schedule of so many people. Don't let this be your schedule! Have fun and work hard~Business Hours OPEN most days about 8 or 10Occasionally as early as 7, BUT SOMEDAYS as late as 12 or 1.WE CLOSE about 5:30 or 6 occasionally about 4...

Success in Real Estate  Definitions of Success: When careful preplanning and preparation meet opportunity.The moving out of one's comfort zone.Being willing to do what others are not willing to do. Math and Money Assumptions: 365 days a year104 Personal/Family days off20 Vacation days off10 Seaso...

{Date} SALUTATIONFIRST ONR_NAMESITE_ADDSITE_CITY SITE_ZIPDear FIRST:I drove by your house today and noticed that the "For Sale" sign from XYZ Realty was gone.  If you are still interested in selling and you have not re-listed your property, I urge you to give me a call right away.  Please disrega...