WANT TO BUY A HAUNTED HOUSE?WANT TO DRIVE A HAUNTED HIGHWAY?CHRIS's communiqué Got Kids - What Do They Think? |
 | left - photo taken at FT MYERS & NAPLES December 19, 2005 A SNOW STORM struck across South West FLA today, SUPRISING both the locals and tourist. Many people went walking and all seemed to enjoy the white stuff while it lasted. |
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CHRIS OTTER BE YOUR BUYER'S AGENT |
PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR |
=SAVE MONEY=WE MEAN REAL GREEN DOLLAR$ and DELICIOU$ CHOW. IT IS TRUE. CHECK OUT CHRIS's BUYERS CENTER & SELLERS CENTER . WHERE YOU WILL DOWNLOAD and PRINT YOUR COUPON$, FREE DINNER$, 25% DISCOUNT$, $250 $500 REBATE$ * & ooohhh WON'T YOU BE sssooo HAPPY TO USE CHRIS & SAVE $1000's of DOLLAR$ WHEN SELLING BUYING & MORTGAGE BONITA, CAPE CORAL, NAPLES, FORT MYERS, ESTERO, MARCO, SANIBEL, ALL BEACHES & ISLANDS.......CHRIS MUST BE COCONUTS TO GIVE THESE DEALS. |
* NOTE: ALL SAVINGS REQUIRE DOING BUSINESS WITH CHRIS SELLER'S LISTING AGENTCHRIS HARKER, WELL QUALIFIED LISTING AGENT TO HOME SELLERS, in BONITA, CAPE CORAL, ESTERO, GOLDEN GATE, FORT MYERS, LEHIGH ACRES, MARCO ISLAND, NAPLES, SANIBEL......... MY SELLERS CENTER FOR FREE PHPP (PERSONAL HOME PRICE PACKAGE)
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BUYER'S AGENT
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CHRIS OTTER BE BUYER'S AGENT BUY NOW. SEE YOU LATER |
THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
GULFSIDE MORTGAGE INC, CHRISTOPHER LADD HARKER, BROKER |
We are here to help you with your needs. We will answer any questions you may have. Won't you please contact us today.
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YOU CAN'T MISS WITH CHRIS HE CAN SELL ANY HOME BETTER BELIEVE IT Call him today! OK?
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YOU CAN'T MISS WITH CHRIS HE CAN SELL ANY HOME BETTER BELIEVE IT Call him today! OK?
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YOU CAN'T MISS WITH CHRIS HE CAN SELL "ANY" HOME BETTER BELIEVE IT Call him today! OK? |
GIVE CHRIS A CALL - LET'S DISCUSS HOME SELLING
& START YOU ON THE ROAD TO A SUCCESSFUL HOME SALE
YOU CAN'T MISS WITH CHRIS Call him today! OK?
Thanks for visiting. CHRIS HARKER. REALTOR. PREMIERE PLUS Realty at Naples and Ft Myers and the Islands of South West, Florida
PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR |
QUESTIONS SELLERS COMMONLY ASK----
When you work with Chris he will try to make sure you understand everything. This helps you to feel you can control what is happening and will keep you confident in the selling process. Read on......
Q. What are the important factors when I sell my home?
A. Chris feels the location is the most important, but you have no control over that. You do control your home's condition and selling price. Chris as your Seller's Agent will work with you on both of these. He has the tools to assists us with setting the appropriate selling price. He has the experience and judement to advise you on what things might be done to put your home in an appropriate condition for presentation to buyers.
Q. What things are sold with your home?
A. Objects that are attached to the house or property itself, whether they are nailed, screwed, planted or otherwise affixed, stay with the house and are included in the sale; light fixtures, built-in appliances. When Chris and Deane sold our home, we had expensive chandeliers and bathroom water faucets. We said in listing contract that we would replace these with an inexpensive substitutes, unless the buyers wanted to buy them. We itemized dozens of items that were negotiable this way.
Q. What is a Lockbox?
A. Most agents in Ft Meyers and Naples area use electronic boxes, which operate on an infrared system, so no old fashioned key is required. The box has a U hook that fits around the Door Knob. Below this hook is a key box that holds the keys to your home. This key box is opened when the agent points a remote control and a release mechanism is triggered. A built in cell phone, in the box hidden behind the key box, phones the central computer to see if this remote control is authorized with the proper password. The password is changed each night by the central computer when Chris puts his remote control into the telephone cradle at his desk. When the key box is released giving Chris the key to your house, a sensor records his user ID and phones it back to the central computer. Chris can query the central computer any time and find out which agents have visited your home and at what time.
Q. What is Seller's Remorse?
A. When you sell your home you might become worried and fearful that you've made a mistake by selling. You feel maybe you sold your home for less than it's worth. Or maybe you sold a home that was irreplaceable and you will always miss it. This is seller's remorse and it happens when you are beginning to have doubts about your ability to do something so complicated as selling your house. Choose a really good real estate agent and fully understand what is being done and why. When you do in fact participate in the selling process, and take the opportunity to question things as they happen and even cause somethings to be done differently, then you feel confident about the whole process and its outcome (the successful sale of your home with your participation and thoughtful guidance).
Q. What is Escrow?
A. An escrow is a bank account and officer in charge of it, who is a neutral person who holds all of the documents and funds related to your homes sale and simultneous purchase process. The account will be opened as soon as a buyer gives an earnest money deposit to the agent to demonstrate to you as the seller, that the buyer earnestly desires to buy your home. The escrow account and officer may be an attorney, escrow agent, or title agent. The money will be held on account until the closing of title when it will be turned over to the sellers. In Florida, the money can earn interest at the request of the payer. Some of the states where Chris has been licensed require that all escrow money be paid interest. But here in Florida you must formally request it.
The laws are very clear on dispostion or disbursement of the escrowed money by the esrow officer.And the rulings by the courts always favor the seller. Many a buyer has lost their earnest money deposit to the seller in contract disputes. The most common of these involve the lender promising the buyer that the buyer would get a mortgage loan, the buyer then releases the financing contingincy in the purchase contract, then three days before closing, the lender withdraws their promise because they learned of undisclosed information about the buyer. The buyer cannot purchase the home since the loan fell through. This is an open and shut case. The escrow officer will be directed by Florida Real Estate Commission to disburse the money to the seller.
Q. What is Agreement of Sale?
A. This is the most important document in sale of your home. It is the contract that specifies the terms of the deal. The agents involved prepare and present this to the sellers and buyers It specifies the names of the parties, a description of the property taken from the deed, the sale price,and provisions such as how much is the deposit, what items such as appliances convey, what inspections will be needed, who pays the cost of needed repairs, how long does the buyer have to obtain a committment for a mortgage, etc
Q. What is the Closing of Sold Home?
A. This is the formal meeting of the seller and buyer with their closing agents who are attorneys or title agents. They can all be together or more usually the buyers and their closing agent meet and the sellers and their closing agent meet. Or often the paper work will be done by the closing agent(s) and forworded by courrier to a party such as specially designated real estate agent or bank officer. Then the buyer or seller will meet with that designee. For three of the last Close of Sale that Chris and Deane had for their own homes, Chris was in one state and went to a designee and Deane was in another state and went to a designee, after their closing attorney had forwarded needed paper work to the two designees.
The closing agents will work with the lender(s), the real estate agents, the title insurance companies, and other services, they will calculate where all the dozens of different categories of money are disbursed, finalize all the legal documents, explain all documents to the buyer seller, be certain all signatures are correct, record all documents at the court house, and send out all the money. This all takes about five days. It is infrequent, but some problems can come up after the closing.
Q. What is Property Disclosure?
A. Florida law does require you as the seller to disclose to the new buyer, all material defects about your home that you are aware of. Florida has a form that the owner fills out, and on the form you go through all the list of material items and check yes, no, don't know. Then you sign the form as truthful. It is important for you to make an effort to fully disclose everything you know about your home. What the law is looking for as a material fact includes facts about the house's condition (roof leaks) and legal issues (bathroom redone without a permit) that could negatively impact the home's value.
Q. How do I know what to sell my home for?
A. Deciding a listing price for your home is one of the more important decisions you need to make. If you price too high, potential homebuyers will not look; if you price too low, you may leave money on the table. Two methods are used to calculate a price: the comparative market analysis (CMA) and a certified appraisal report.They both compare the list price and final sale price of homes similar to yours that are in the same neighborhood and factor in the home's condition, and amenities, such as a view, that may increase the value of your home.
Q. Can I sell my home for less than what I owe on it?
A. This is called a Short Sale and it depends on the lender. Maybe the lender will let you a part of the difference between the sale price and loan amount, and the lender will write off the rest as a loss. which still must be paid. The lender may need to get permission from Fannie Mae or Freddie Mac or the PMI insurance company.
Q. If I am going to sell my home at a loss, can I deduct this from taxes?
A. The IRS does not allow this to be deducted. Chris has a friend who did one thing to make a deduction allowable. She knew in December that she was going to move to another state in June. She placed a small home-for-rent ad in the classifieds for a month to month rate of $45. She listed the house in the MLS in June and moved. The home had a buyer in October. The fact that she had actively pursued a renter for 12 months, made the home an investment property. She deducted the capital loss at the rate of $3,000 per year for six years.
Q. Do I have to pay taxes on the money I receive for my home?
A. No. You pay federal income tax on any Capital Gain Income from owning the home. And the first $250,000 ($500,000 for couples) of Gain is exempt from taxation. Gain is the difference between what you paid to buy and improve the home, and what you sell the home for. The tax rate for Gain is significantly lower than the tax rate for regular ordinary income. You also must have used the home as a residence for at least two of the five years before the sale.
Q. Is it better to sell or buy first?
A. This depends on the situation. In Oct 2004, Chris calculated that it was THE right time to sell in Daytona and buy in Naples. He felt that if he did not sell by end 2004 or early 2005, he could not sell for maximum price. He sold in May 2005. He figured the time to buy in Naples was immediately. He bought in December 2004. So he bought 6 months ahead of selling. It was a gamble that paid off well. ( by summer of 2005, the house he bought in Dec 2004 went up in value and the house he sold in May 2005 went down in value ). Can you make two mortgage payments if you would wind up needing to? If the answer is no, then you have to sell first. But then where do you put all your things and yourself if you don't own another home to go to. If you sell first, it frees up your equity and tells you for sure what home you can buy on your next home. If you cannot cover double mortgage payments, you can try to take a bridge loan, a short term loan that bridges the period between the sale of your current home and the purchase of your new home.
Q. Could you explain some of the Newspaper abbreviations?
A. Here are a few of the mystery words.
The first home Chris sold in 1976 was 3 br, 2 ba, crpt
Q. Is it OK to let my buyer move in to the home before inal closing?
A. Sometimes the buyer wants and needs this. Boy is it risky. Chris as Seller's agent would say perhaps when there is a construction permanent mortgage, and the buyer has effectively bought the home before it was built. But much can blow up. The loan might fall through. These owners-to-be are actually renters and they may damage the home, and then the loan falls through. They may start modifying the home by painting, or building a deck. The worst night mere which does happen is they burn the home down, and then who wants a burnt down home. If it seems just absolutely necessary it can be handled with a standard contract addendum that covers early buyer possession.
 | Got a Question About HOME SELLING? Call CHRIS today! OK You Can't Miss With Chris |
THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
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PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR |
Some people try selling their home by themselves for a TRIAL period and regret it. Read on.....
Robert Irwin is an accomplished real estate expert and author and former Broker. Chris owns 10 of his works and has learned much from them. Just look over some of his four dozen books at the private LANDLORD AGENCY. Mr Irwin is author of The For Sale by Owner Kit where he says "I always recommend trying a fizzbo before listing with an agent. Hang a sign out front for 30 days and see what happens. The guy next door may want it".
JUST ONE EXPERIENCE FROM CHRIS: Years ago, Chris would recommend this to friends and family, until his friend got badly injured. His friend who wanted to list with an agent, at Chris's insistance, put up a FSBO sign and after 30 days with not one visitor, he listed it in MLS with an agent. A couple across town found out (because it was in MLS) about it being for sale and said "John we have been admiring your house on the water for years. We wish we would have known it was for sale. We just purchased an MLS house through our Agent." It took John 9 mounths to find a buyer. What Chris learned was, for every single day that your home-for-sale is not given full and complete exposure to the market place of buyers, you may be missing a one and only buyer for your home.
THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR |
Some people try selling their home by themselves and regret it. Read on..
Selling your house yourself, without having an agent represent you, is a transaction commonly referred to as a For Sale By Owner or FSBO ("fizz-bo"). Some people who have tried the FSBO route and lost a lot of money by doing it, refer to it as FSBI ("fizz-bee") or For Sale By Idiot. There are several reasons to use a seller's agent to represent you in the selling of your home.
AARP: Don't be "penny wise and pound-foolish." A lot is at stake when you sell your home. It is not simply a matter of finding a buyer. Legal documents describing the responsibilities of the buyer and the seller must be prepared. State and local laws and rules must be satisfied. Some people may be knowledgeable enough to handle these details on their own, but most of us need help.
CNN MONEY: Hesitance to pay a broker's fee, which often is as high as 6 percent of the sales price, can also backfire. Selling a home on your own can be a boon to your bottom line, but it's a lot of work and if you don't do it right you may give up and go with a commissioned real estate agent anyway.
Equity Title Company: It's always a good market in real estate - when you know what you're doing. Structuring transactions, arranging financing, and finding the right buyers are some of the keys to success. And no one knows more about the trends in today's market than your local real estate broker or agent.
Forbes: You might look to save the commission by not hiring a real estate broker, but that could very likely translate to a lower offer from a savvy buyer who realizes you are doing just that. You need to hire a real estate agent with a reputable company in your area that can demonstrate a track record of successfully marketing and selling homes like yours. A sign in the yard and some newspaper ads just won't do the job anymore. Your agent needs to apply a sophisticated, fully integrated marketing approach, which would include distinctive signage, multiple Web listings, editorial media-type coverage, and even first-rate direct mail.
Home Connections, Inc. David Hollies: You want to sell your home for the best price. Start by enlisting a real estate agent and making a list of needed projects, to maximize the potential of your home. Use this list to determine what to do before listing your home for sale.
House Selling For Dummies: You may not know how to price property. If you underprice your house, you may sell it below its market value - shortchanging yourself thousands, perhaps even tens of thousands, of dollars. Say good-bye to the commission you "saved."
THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR |
Selling the home you live in and perhaps buying another one at the same time, is a somewhat stressful endeavor. Not only is Chris a real estate agent, but he and Deane have put their own home on the market, and moved to a newly purchased home more than once, and we managed to survive.
When you decide to sell your home you should ask yourself some basic questions. Why do you want to sell? Job relocation? Don't like your neighborhood? Home too small or too large? Tax reasons?
Is it good financial sense to sell? What does the market look like? Is it a sellers market with homes being purchased very quickly? Is it a buyers market with homes sitting on the market a long time? Will you make money or lose money if you sell? Do you have enough money to make the down payment and closing costs for another home?
Are you willing to deal with the stress involved? Allowing your home to be toured by many agents and prospective buyers. Keeping your home extra clean and in showcase condition. Anticipating when an offer will be made. And perhaps searching for a new home at the same time.
There are always simple cleaning, improvements, repairs, and "staging" that will help prepare your home for selling. Chris will assist you as your seller's agent to determine which things will make a real difference to buyers.
Chris will recognize and evaluate those special features about your home that makes it unique as a home in your area and could raise the price over other similar homes.
Setting the right price in the listing agreement is critical to getting buyers to in fact review your home on the MLS computer and come out to tour your home. Chris will prepare his own special comparative market analysis (cma) called PHPP (Personal Home Price Package) giving you the facts and perspective to set the right price. Chris offers this PHPP free of charge.
Chris will take care of the details needed do advertise and promote your home.Chris will publish your home in the Multiple Listing Service, a computerized listing of all the properties for sale by Real Estate Firms in the area.
Your home will be shown to all qualified buyers who would like to see it. It will also be seen by agents who wish to preview it on behalf of prospects. Chris will screen these people and you will be given advance notice.
Chris will help you to understand the selling process and give you an explanation of what his services to you will be, to include marketing your home to the buyers, monitoring the success of the marketing effort, negotiations with buyers, and more.
THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR |
How do you set a listing price... Read on
It is a fact that when buyers look at your home, they are always curious about what you paid for it. Well this is a public record at the courthouse. And of course the price you paid for your home has nothing to do with what you are asking for it today. Chris paid $50,000 for a home which today is worth $35,000 and Chris paid $50,000 for a home which today is worth $800,000. So what.
The price that you list your home for, will not be related to three things. What you paid for it at some past time. What you could have sold it for at some past time. What you perhaps can sell it for at some future time. Chris' nearby neighbor paid $250,000 for a home in 2000. He could have sold it for $650,000 in 2005. He will likely be able to sell it for $1,000,000 at some time in the future. He has it MLS listed in 2007 at $500,000.
The price you list your home for today will be the 'fair market value' if you in fact wish to sell it. Some agents will suggest unrealistically high asking prices. This is called in the business, buying the listing. You need to be cautious when agents you interview suggest listing at a price that is out of line with the prices of other homes like yours. Maybe someone will pay too much for your home. But buyers are generally too smart to overpay. And the higher price (beyond fair market value) will hide your home from the eyes of a possible buyer.
There are plenty of agents who will list your home at a price that is to high (and too low - need be careful here too). Later when your home does not sell, these agents start suggesting big price reductions. To get the attention of the buyers and their agents in your area, give your home a fair market value price from the very start.
When Chris as your Seller's Agent lists your home, he will use the computer to prepare his own special comparative market analysis (cma) for you, called PHPP (Personal Home Price Package). This will show you the data about the relevant recent sales nearby your home that are comparable to your home. This will include any recent listings that did not sell. This is our beginning point to figure out a price. Chris as your Seller's Agent will advise you on a few other things which we may need to consider in order to possibly adjust the PHPP (Personal Home Price Package) indicated price.
Using this information and good sense judgements, you as seller and Chris as your agent, should be able to arrive at an appropriate listing price.
THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR |
· loss of sleep and getting too little rest
· more than normal pressure
· more than normal worrying
. much exposure to things you feel you cannot control
· Recognize that the home selling and buying process is subject to causing of anxiety, and that there are ways to help.
· Keep a sense of humor about you. You can be deadly serious and still have a fun time.
· Cultivate your ability to work with the different parties involved.
· Try to be familiar with the tools and methods that are being used.
· Do not allow personal and family concerns to compete with a home buying effort. For example, Chris does not think you should try to buy a home and get married at the same time. (put the wedding off)
· There may be some strain with the amount of work required to do your regular job and conduct a home hunting process at the same time. Good Real Estate Agent and good Mortgage Agent will surely help here. · Sleep is a basic need and essential for good health and for a good home selling or buying experience. A good night's sleep makes you more energetic, and puts you in a better mood.
Uncertainty as to home buying goals. This is motivation uncertainty (uncertainty regarding why you are buying a home and what you expect to accomplish).
Which of several home purchases best matches the buying goals? This is knowledge uncertainty (uncertainty regarding information about alternatives).
Possible adverse consequences if the purchase is made, or not made. This is choice uncertainty (uncertainty about which alternative to choose).
Home buyers perceived risks, that are related to buying a home, and that can cause anxiety, are of four types listed below.
Financial risk; the financial loss to a home buyer includes the possibility that the home may need extensive repairs or that they may have paid too much for it, or that it may depreciate.
Psychological risk; the experience of psychological discomfort and anxiety arising from anticipated worry and regret over purchasing the home. (known as buyers remorse)
Performance risk; the loss incurred when a home does not perform as expected and does not deliver the benefits expected.
Time risk; results when the passage of time reduces the ability of the home to satisfy wants, such as when the home rapidly becomes obsolete, or when a family outgrows a home.
· Calculate the perfect time to buy, sell, build.
· Second guess the interest rates.
· Calculate when prices will rise, fall, level.
· Calculate when people will stop and start buying homes.
· Guess when a home will sell. • Guess how long a home that you like will stay on market.
· You cannot get the financing terms you wanted.
· The house does not appraise at or above the contract sales price.
· The home inspections uncover repair and other issues.
· The property boundary lines are found to be confused.
· A title search uncovers problems like undisclosed easements and liens.
. There are problems with the deed.
· Home ownership creates financial well being.
· Home ownership helps people to move up the economic ladder.
· Home equity is the largest single source of household wealth.
· Median net worth for home owners far exceeds that of non home owners.
· Home ownership promotes personal well being.
· Home ownership promotes personal self esteem.
· Home ownership enhances the home owner's sense of control over their life
· Home owners are overall more contented with life.
· Home ownership leads to neighborhood stability.
· Home ownership leads to improved neighborhood upkeep.
. Home ownership leads to lower neighborhood crime.
· Home ownership creates financial well being.
· Home ownership helps people to move up the economic ladder.
· Home equity is the largest single source of household wealth.
· Median net worth for home owners far exceeds that of non home owners.
· Home ownership promotes personal well being.
· Home ownership promotes personal self esteem.
. Home ownership enhances the home owner's sense of control over their life.THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
PREMIERE PLUS REALTY, CHRISTOPHER LADD HARKER LLC, REALTOR |
· loss of sleep and getting too little rest
· more than normal pressure
· more than normal worrying
. much exposure to things you feel you cannot control
· Recognize that the home selling and buying process is subject to causing of anxiety, and that there are ways to help.
· Keep a sense of humor about you. You can be deadly serious and still have a fun time.
· Cultivate your ability to work with the different parties involved.
· Try to be familiar with the tools and methods that are being used.
· Do not allow personal and family concerns to compete with a home buying effort. For example, Chris does not think you should try to buy a home and get married at the same time. (put the wedding off)
· There may be some strain with the amount of work required to do your regular job and conduct a home hunting process at the same time. Good Real Estate Agent and good Mortgage Agent will surely help here. · Sleep is a basic need and essential for good health and for a good home selling or buying experience. A good night's sleep makes you more energetic, and puts you in a better mood.
Uncertainty as to home buying goals. This is motivation uncertainty (uncertainty regarding why you are buying a home and what you expect to accomplish).
Which of several home purchases best matches the buying goals? This is knowledge uncertainty (uncertainty regarding information about alternatives).
Possible adverse consequences if the purchase is made, or not made. This is choice uncertainty (uncertainty about which alternative to choose).
Home buyers perceived risks, that are related to buying a home, and that can cause anxiety, are of four types listed below.
Financial risk; the financial loss to a home buyer includes the possibility that the home may need extensive repairs or that they may have paid too much for it, or that it may depreciate.
Psychological risk; the experience of psychological discomfort and anxiety arising from anticipated worry and regret over purchasing the home. (known as buyers remorse)
Performance risk; the loss incurred when a home does not perform as expected and does not deliver the benefits expected.
Time risk; results when the passage of time reduces the ability of the home to satisfy wants, such as when the home rapidly becomes obsolete, or when a family outgrows a home.
· Calculate the perfect time to buy, sell, build.
· Second guess the interest rates.
· Calculate when prices will rise, fall, level.
· Calculate when people will stop and start buying homes.
· Guess when a home will sell. • Guess how long a home that you like will stay on market.
· You cannot get the financing terms you wanted.
· The house does not appraise at or above the contract sales price.
· The home inspections uncover repair and other issues.
· The property boundary lines are found to be confused.
· A title search uncovers problems like undisclosed easements and liens.
. There are problems with the deed.
· Home ownership creates financial well being.
· Home ownership helps people to move up the economic ladder.
· Home equity is the largest single source of household wealth.
· Median net worth for home owners far exceeds that of non home owners.
· Home ownership promotes personal well being.
· Home ownership promotes personal self esteem.
· Home ownership enhances the home owner's sense of control over their life
· Home owners are overall more contented with life.
· Home ownership leads to neighborhood stability.
· Home ownership leads to improved neighborhood upkeep.
. Home ownership leads to lower neighborhood crime.
· Home ownership creates financial well being.
· Home ownership helps people to move up the economic ladder.
· Home equity is the largest single source of household wealth.
· Median net worth for home owners far exceeds that of non home owners.
· Home ownership promotes personal well being.
· Home ownership promotes personal self esteem.
. Home ownership enhances the home owner's sense of control over their life.THANKS. Christopher Harker
YOU CAN'T MISS WITH DEANE and CHRIS
CALL US NOW - DON'T YOU WAIT
CHRIS HARKER
CLHLLC
Office Phone: (866) 738-5517
Cell Phone: (239) 682-0182
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