sell: Tips to survive in a down market - 08/02/08 09:59 PM
I have only been in real estate to know what a down market is. The broker I started with lost my real estate application to send to the DRE for three months, so I ended up missing the end of the Great Central Valley Seller's Market. I can't wait for the market … (13 comments)

sell: Beware of Hidden Fees - 07/14/08 05:59 PM
I know its been a while since I last blogged. I have been swamped with bank owned properties (REOs) and bringing sales to fruition. Over the last few weeks I have found that there are certain fees that buyers may not be aware of when purchasing REO properties compared to short … (3 comments)

sell: Customer Service is Key when working with agents - 05/23/08 10:51 AM
When dealing with customers all agents know that customer service is the key to success in any client-driven industries. However, many agents do not apply that when it comes to working with other agents. I know that we are in competition with each other for that elusive sale, but do Realtors … (22 comments)

sell: Finding your niche - 05/22/08 10:25 AM
Many Realtors are having a hard time. In my area it is not uncommon for a Realtor not to have sold a house for the entire year. Many Realtors have not adapted to the change in environment and have abandoned the industry altogether. However it does not have to be that … (16 comments)

sell: Get the highest price on a property in a Buyer's Market - 05/16/08 09:55 AM
In the current buyer's market that many Realtors across the country are facing, homes prices are falling very fast. A home that sold for $350,000 two years ago is now selling for about half that in Modesto at roughly $200,000.  So what techniques can you use to make your property stand … (5 comments)

sell: Now is the time to be in Real Estate!!!! - 05/12/08 04:13 PM
Many people feel that this is the worst market in decades and that many Realtors are dropping like flies.  How can I say that this is a good time to be in Real Estate?  The answer to that is two-fold.
First, although sales are off, now is an excellent time to … (13 comments)

sell: Consumers: Qualities of a Good Buyer's Agent - 03/18/08 02:03 PM
There are tons of real estate agents out there.  Many people are innundated with the choice as to which agent to choose when buying a home . Here are some hints for the consumer to realize the difference between an average and a great agent:
1.  The agent will present to you a … (2 comments)

sell: Escalon - 03/18/08 10:57 AM
Escalon is located in the crossroads between Modesto, Oakdale, Riverbank, Stockton, and Manteca. From this town you have a gateway to any of these cities. It is located along HWY 120 with McHenry Rd in Modesto turning into Mariposa Rd, which ends up in Stockton. It is home of the Escalon … (0 comments)

sell: Oakdale - 03/18/08 10:32 AM
Oakdale is known as the "Cowboy Capital of the World" and is a wonderful town to live in. It is located NortEast of Modesto and is located in Stanislaus County. I live in this town and have found it to be very, very quiet. It is a suburbia with a small-town … (0 comments)

sell: Riverbank - 03/14/08 02:08 PM
A little known area in the Central Valley is Riverbank. Riverbank is divided into various sections, due to the Railroad Overpass going though the town. It has a small-town feel, yet has all the amenities of a larger town. One of the best theaters in the Central Valley, Galaxy 12 Theaters … (0 comments)

sell: The difference between Bank Owned and Short Sale Listings - 03/13/08 03:18 PM
Living in the Central Valley of California, and working primarily in Modesto, the majority of the homes that are for sale are either foreclosures or short sales. Every one in real estate understands what a short sale is, but many consumers are confusing bank owned homes with short sales.
A bank … (1 comments)

sell: Are you being innovative? - 03/13/08 11:57 AM
With a possible recession looming over the horizon and dismal sales in many parts of the country, some Realtors are thriving.  How can this be? What are they doing that is different than other Realtors who are leaving the business?
The answer is simple,  they are being innovative!
They are doing various … (6 comments)

sell: Consumers: Are you considering a short sale? - 03/12/08 04:16 PM
Many people are in the situation where their home is actually worth quite a bit less than what they purchased it for. When they bought the home, they were told that refinancing it would be no problem and that they did not have to worry about the bubble bursting in that … (4 comments)

sell: Finding out what a person wants in a home. - 03/11/08 11:28 AM
I have found through experience that the most essential thing a Realtor can do is find out the specifics a person is looking for in a home.  It is essential that you listen when a person tells you that they need a 3 bedroom 2 bathroom home at the very least.  … (12 comments)

sell: Understanding the foreclosure process for consumers - 03/10/08 11:15 AM
In this time of crisis, where many people are losing their homes there are many terms that people need to understand.  They also need to understand all their options, before just turning their home over to the bank.
Preforeclosure:  This occurs when you get the first letter from the bank stating that … (1 comments)

sell: Your offer is not accepted until the bank accepts the short sale - 03/07/08 11:50 AM
This is just a word of advice to consumers out there regarding short sales. Many people are encountering the following situation.  You make an offer and the agent issues a counter-offer, which generally means that your offer has been accepted and that the escrow process has started. However, don't be quick … (1 comments)

sell: Introducing Constance Robinson - 03/07/08 09:10 AM
I just wanted to introduce Constance Robinson from ERA Village One Real Estate to the Newbie group.  She has been in the industry for many years and is a multi-million dollar agent (Realtor).  She is also the lead agent and office manager for my office and actually was the one that … (17 comments)

sell: Foreclosure Fairs Generate Huge Turnouts - 03/06/08 12:08 PM
Many people know the Central Valley in California is the foreclosure capital of the nation, currently.  You can go down any block and see REO properties left and right and can tell they are such by the front lawn. In this area, almost 40% of the loans that were made two … (4 comments)

sell: You got the House!!! Oh Sorry You Didn't!!! - 03/06/08 11:55 AM
I have encountered a situation recently that really has me concerned and would appreciate your input on this.  I made a bid on a short sale property in Manteca and a week later received a counteroffer from the agent stating that the hot tub wasn't staying and that the property was a short … (17 comments)

sell: Steps for Obtaining a Home - 03/05/08 10:22 AM
There are many people out there that see houses for sale and want to buy a home, but do not totally understand the process to obtain one. They call the Realtor whose home is for sale, but have no idea where to really begin.
The first thing a person needs to do … (4 comments)

sell: Catch a Tour Bus; See some Listings!! - 03/05/08 09:49 AM
I just read an article in the Sacramento Bee where investors are taking tour buses to view foreclosure to foreclosure listings.  Has anyone else heard about this.  I know of Realtors going in caravans to see actual listings that are on the market and giving feedback, but bus loads of investors … (4 comments)

sell: Buyers: Now is a great time to buy in Modesto or elsewhere!!!! - 03/04/08 11:53 AM
Right now buyers are out there looking for bargains in this market. Many buyers are hesitant and are waiting for the bottom to occur.  Speaking from experience most people ending up missing the bottom and either catch it right before or right after it has occurred. In my area of Modesto, … (0 comments)

sell: How to sell a home in a Buyer's Market in Modesto or Your Area! - 03/04/08 10:11 AM
I have had the great fortune lately of being in the middle of a tremendous bidding war for houses. Buyers have a wonderful opportunity to buy in this market.  They are all looking for a deal and many people are looking for an all out steal.  With home prices changing fairly … (0 comments)

sell: Are you doing your job? - 03/03/08 03:47 PM
Being a Realtor in the Modesto, California area and helping people buy and sell houses is a passion of mine. It is a great way to meet people and help people realize the American Dream of property ownership. I only know how to exist in a buyers market.  I got into the … (12 comments)

sell: Pricing - 03/03/08 09:30 AM
In the area of the country that I live in, there are close to 13 months of inventory for the current market. This is actually down from 22 months that was 3 months ago.  Many of the top Realtors in the area are either struggling profusely or are leaving the business … (4 comments)

sell: Do you know your neighborhoods? - 02/29/08 10:00 AM
Customers are looking for Realtors or real estate agents that are knowledgeable in their field.  One of the main things that they are looking for is your knack of knowing the different aspects of each neighborhood. By having the knowledge of different neighborhoods you are able to help them find an … (15 comments)

sell: Mortgage Workshops - 02/28/08 09:37 AM
With all the fall out with the subprime mortgage industry, it is good that communities are coming together to help homeowners that have questions about foreclosures or ways to avoid foreclosures. In Modesto, there is a mortgage workshop on March 7, 2008, that deals with that issue.  They are asking for … (2 comments)

sell: Open Houses Can Work - 02/28/08 09:31 AM
I have lately read quite a few posts on Active Rain that have said that it is not worth an agents time to do an open house.  What are the benefits of doing an open house, besides to reassure the home owner that you are doing everything possible to sell their … (10 comments)

sell: Blogging: Substance or Quantity? - 02/25/08 02:43 PM
Blogging is quickly becoming America's National Pasttime.  I even think that it is passing up baseball for that honor. Everyone who is anyone has a blog.  The more you blog, the more reputable you become.  Should this be the case?  I think not.  Blogs should be of substance.  The better quality … (12 comments)

sell: Tips for Avoiding Foreclosure - 02/25/08 02:15 PM
Being in the foreclosure capital of America,  I thought the following tips might come in useful for people in San Joaquin, Stanislaus and Merced Counties. 
Here are some tips for avoiding foreclosure:
If you are unable to make your mortgage payment, don't ignore the problem. The further behind you become, the harder … (0 comments)

sell: Introduction to group - 02/16/08 12:20 PM
I wanted to introduce myself to the Learn How to be a Top Producing Listing Agent Group. I am Matthew Zgonc and I am a reator from Modesto, CA. I am primarily a listing agent, but do have buyers as well. I have been in the industry for about 2 years … (3 comments)

sell: Introduction to group - 02/16/08 12:09 PM
Hi! I am Matthew Zgonc. I wanted to introduce myself tothe Agents Who Want Referrals Group. I have been a Realtor for a few years and have been established in different systems. I try yo incorporate the best of these and apply them into my business. I have many contacts that … (2 comments)

sell: Introduction REO group - 02/16/08 11:57 AM
I just wanted to introduce myself to the REO group. I have been working with REO's for a while now, with most of my work providing BPO's for various companies. I feel that I will be a good contributor to this group and will respect the code that has been established. … (5 comments)

sell: Introduction - 02/16/08 11:44 AM
I just wanted to take this opportunity to introduce myself to the photography group. I am a realtor in Modesto, CA, who loves photography and wants to learn more about taking good, quality pictures. I believe that good pictures can be the difference between a good listing and a great one. … (3 comments)

sell: Introducing Lani Carlson - 02/12/08 03:37 PM
I wish to introduce Lani Carlson to the people of Active Rain.  She works for First Valley Mortgage in Modesto, California and has been in this business for a very long time (15 years). She is a loan specialist and is very familiar with all the new types of loans and … (11 comments)

sell: La Loma Neighborhood Modesto - 02/08/08 03:26 PM
The La Loma neighborhood is one of the oldest neigborhoods in Modesto.  It is a very tight-knit community, which is home to the largest park in Modesto. 
It is home to elementary and junior high schools, which are walking distance from just about every home in this area. The neighborhood has an … (0 comments)

sell: Dutch Hollow in Modesto - 02/07/08 05:04 PM
Another wonderful community in Modesto is the Dutch Hollow neighborhood. It is located near Standiford Road and Dale Road, right near HWY99.  It is an older well-established community, with very little crime and mostly one-story houses. There are a few parks in this area, but is a family-friendly environment. Many of these houses … (2 comments)

sell: Creekside Neighborhood - 02/06/08 04:31 PM
When it comes to neighborhoods in Modesto, most people know Del Rio, Village One, and Dutch Hollow, which are some of the most prestigious neighborhoods.  However most people do not know about probably the best kept secret in Modesto, known as Creekside. 
This area is located in South East Modesto, between Claus and … (0 comments)

sell: Localism: Is it important? - 01/31/08 04:32 PM
I have seen many people inquire about Localism is and how to post listings to it and do people really go out there. 
To post listings or blogs to Localism all you have to do is write a blog on active rain and include the listing and data using html, then at … (23 comments)

sell: The real victims with foreclosures - 01/31/08 03:19 PM
Many of you know that I come from an area in the country which statistically has more foreclosures than any other part.  There are issues with banks and people trashing the homes and people vandalazing the homes for copper, but that is not the issue with this blog.  This deals with … (17 comments)

sell: Weston Ranch and 60 Minutes - 01/30/08 04:22 PM
Many of the Realtors on Active Rain saw the 60 Minutes interview on a place called Weston Ranch, in Southwest Stockton.  This place also happens to be part of the Manteca Unified School District and was a prime attraction in the late 1990s for the Bay Area Commuter. With that said, … (0 comments)

sell: Is blogging really worth it? - 01/30/08 04:05 PM
I have heard many realtors talk about blogging and how many of them see it as an annoyance and almost a waste of time. I also know that there are many different networks that you can blog to and join that can be productive or antiproductive to your business. The question I … (7 comments)

sell: Property Taxes: Based upon an outdated value? - 01/29/08 04:04 PM
In many areas, such as Florida, California and Seattle, mortages obtained during the height of the sub-prime loan debacle are higher than what the home is currently worth in todays market.  So what can be done about it?  First of all, there is hope out there for people who are being over-taxed.  If you … (4 comments)

sell: Naymz.com - 01/25/08 03:46 PM
I just wanted to spread the word for a good website for realtors called Naymz.com.  It is a great website, whose sole purpose is to establish credibility on the Internet. Many high ranking active rainers are on the site, and I just wanted to share this information with everyone on the … (17 comments)

sell: The art of communication - 01/24/08 04:18 PM
Communication can be either our greatest allies or our largest enemy when it comes to real estate. An agent or even a client that does not effectively communicate their needs or wants will find that they have great difficulty when facing challenges with transactions.
Everyone knows what commuication is, but why do … (14 comments)

sell: How important are photographs? - 01/23/08 04:27 PM
Photographs are extremely important to help draw people in to see your listing when selling a house.  Many people elect to have professional photographers take these pictures, but many realtors cannot afford to pay for this type of service.  What is a realtor or consumer to do?
First the realtor needs … (13 comments)

sell: Staging the house right - 01/22/08 04:05 PM
All realtors know the importance of staging houses property, especially when it comes to curb appeal.  The difficulty that many of us face is when we are inside the house and trying to make sense of each and every room whether it be through the decor, being too cluttered, or being … (4 comments)

sell: How to increase your page ranking in two months? - 01/18/08 03:45 PM
I can't believe the number of calls that I received from SEO companies since my last blog on SEO page ranking.  For the next two weeks my phone was off the hook with people promising me to promote me to page 1 on Google using one or two keywords or phrases. I … (37 comments)

sell: Mortgage Tax Relief - 01/15/08 03:59 PM
   Many people that live across this vast nation have been in the unfortunate situation of losing their home or having to do a short sale or deed in lieu of foreclosre. It is already hard enough to deal with the fact that their most cherished posession is no longer going to be their, then to … (6 comments)

sell: Step it up and make a sale - 01/11/08 03:51 PM
With market conditions being the way that they are, many people are trying new and innovative techniquess to sure that they are continuously having new clients and customers, while taking care of the customers that they currently have. For those people that are new to real estate, this is an extremely difficult … (2 comments)

sell: The Misconceptions of Modesto - 01/07/08 11:33 AM
I was asked by a consumer to write about Modesto, California, and some of the misconceptions that there are about the area and some of the plusses. First I will start off with the issues that have been in the press lately.  Modesto has terrible gangs, the worst car theft in … (8 comments)

sell: Death of a Title Company - 01/04/08 11:00 PM
As many of you have heard Alliance Title Company has closed its doors in the Central Valley of California. It came as a shock to everyone including the thousands of people that it employed. Why is this such big news?, it was the largest company and handled a large amount of … (3 comments)

sell: Are you using your "Lifelines"? - 12/20/07 03:20 PM
As is common knowledge, many Realtors are dropping out of the market due to the "bursting of the bubble" in the Real Estate market. This opens up potential clients for those of us that are in this industry trying to bust our butts to get people's attention and make sales. We … (7 comments)

sell: Low Cost SEO's. Do they exist? Can they make a difference on Google? - 12/19/07 03:25 PM
Many Realtors get caught up in the focus of search engine optimization to make their pages number one. They hire companies for hundreds of dollars per month to make them on page one for certain search terms. Do you want to be on page one.  I know of a SEO place … (12 comments)

sell: Exposure - 12/18/07 03:18 PM
The number one thing agents need in any market is exposure.  What is it? How do you get it? Well, we all know exposure as getting your name out into the public eye. How do you get it? That is the harder part.  There are many low cost ways to get … (11 comments)

sell: Dealing with Banks. - 12/17/07 04:02 PM
I am extremely frustrated with the process that I am going through with banks and getting approval. Does anyone have any suggestions to do to help make this process smoother and easier. I understand that banks are overwhelmed with the amount of foreclosures that are out on the market and many … (5 comments)

sell: Effective Marketing! Sales is the bottom line. - 12/14/07 04:22 PM
It astounds me that people spend most of their budget on a $1,000.00 per month on a car, $100.00 per month on web site optimization, $50.00 per month on a website and the rest of their budget left over on internet and print marketing. This may not be you, but this … (3 comments)

sell: What does your car look like? - 12/13/07 04:10 PM
When purchasing a new vehicle 18 months ago, my wife and I took into account that I was going to start doing real estate and expanding our family in the future. We settled on a Jet Black Mazda 5, which has the space of a minivan with the sleekness of a sports … (55 comments)

sell: How do I survive? - 12/12/07 02:39 PM
Big mortgage companies going out of business left and right and requirements changing constantly.  Foreclosures at record levels. Buyers panicking that the bottom is not here yet.  Sellers losing their homes. Scams happening left and right.
 So how do you survive as an agent? That is the question.  There is no easy answer … (10 comments)

sell: What are the most important things about customer service? - 12/12/07 02:21 PM
The number one thing that can help a person be successful in a down market is customer service skills.  Many people tell you, you have to have them, but what exactly are the most important qualities customers are looking for?
The answer to that is very easy, all you have to … (10 comments)

sell: Know your worth! - 12/11/07 03:27 PM
Many people are so desperate in my area to make money that they are willing to sacrifice their commission for the clients. Is that a good thing or bad thing? You decide.  My approach to this is that I am worth at least 3% for a commission for the service that … (9 comments)

sell: Why blog? - 12/10/07 03:43 PM
Simple question.  Not so simple answer.  There are many reasons why people blog on places such as Active Rain. The following things are reasons that I blog. First, by blogging, it helps keep your webpage up-to-date on a daily basis, especially if you are connected to Active Rain or the other … (5 comments)

sell: What is the best way to market? - 12/09/07 10:05 PM
Many people have different philosophies and styles in how they present themselves.  They present this image of designer suits and experience, while exuding confidence.  The best way to market is to be yourself and interact with people. People can spot phonies a mile away and if you put on an act, … (17 comments)

sell: You never know! - 12/06/07 03:38 PM
Where is your next deal coming from?  Is it from your sphere of influence (SOI), your website, active rain, or your mailing.  The truth is you never know where your next deal is coming from. Your next deal could come from the grocery clerk, your fellow colleague at your second job, … (11 comments)

sell: government foreclosure help? Real or No Real? - 12/06/07 03:29 PM
Many people are talking about the possible government intervention in the foreclosure crisis that would freeze rates at 5 years for people expecting increases. The thing most people do not know is that if the government does intervene that these freezes would not be mandated but voluntary.  Mortgage companies would elect … (0 comments)

sell: What went wrong? - 12/05/07 03:53 PM
This is a question that many real estate agents ask after finding out that their client does not want them as their agent. Losing a client is very hard for real estate agents, even though we all understand you can't satisfy everyone. By asking what went wrong?, agents have an opportunity … (6 comments)

sell: Working with clients - 12/05/07 03:39 PM
It is especially important for new agents to remember that your clients are your lifelines. I have read numerous blogs by agents that show mistakes that have been made to not only losing the client, but possibly also your reputation as an agent. The following is a quick list of things … (1 comments)

sell: Point2Agent for the Professional - 12/04/07 03:50 PM
When my wife signed me up with standard version of Point2Agent I was shocked with the type of templates that were there and all the goodies that came with it. However, the Professional Version is absolutely incredible. My wife is a professional web designer and by upgrading to the Professional Version she was … (16 comments)

sell: Being Active - 12/03/07 03:11 PM
It is very important, especially in a down market that people are active with their prospecting. This could range from mailers, to utilizing your sphere of influence, or following through on expired or withdrawn listings. The key thing is to be active. Yes, you are going to face a lot of … (8 comments)

sell: Know if you use Deeds of Trusts or Mortgages - 11/30/07 03:36 PM
I live in a state that is very unique.  Half of the state has deeds of trusts, the others have mortgages. There are only a handful of states that use mortgages and the majority use the deed of trust. The major difference lies after a person defaults. With a mortgage, the … (1 comments)

sell: Beware of first impressions! - 11/29/07 03:50 PM
In real estate we come upon people from all sorts of walks of life, from the blue collar to the white collar worker. It is extremely important for your reputation that we treat all of them with the respect that they deserve and the service you would give to Bill Gates. … (4 comments)

sell: Four Ways to Spot a Scam - 11/28/07 04:19 PM
With the trouble in the mortgage and real estate industry it is essential to your clients to be able to spot scams. Although some may be difficult to spot, others can follow one of these patterns.
1. They ask the seller to help mortgage the property, usually 10-20 percent. Although notes are … (5 comments)

sell: When is the best time to buy? - 11/27/07 03:52 PM
When is the best time to buy? That is the question that is plaguing many many people as the Holiday season is upon us.  Do we wait until January? Do we wait until the market plunges another 5-10,000 lower on home prices? Do we buy now? It is no wonder that … (2 comments)

sell: Disclose, Disclose, Disclose or you could end up in court - 11/27/07 03:40 PM
My wife and I were watching a court television show yesterday, when the first case on the agenda was a homeowner suing a real estate agent who did not disclose that there was flooding in the house. The plaintiff won almost $4000 because of the intentional lack of disclosure.  Don't put yourself in this position.  I know the laws … (7 comments)

sell: What is the best way to achieve expired listings? - 11/26/07 04:22 PM
Increasingly on Active Rain, I am seeing a lot of different methods that people use when approaching expired listings.  Some people cold call, while others send a flier to the owner and then call to make sure that it is received. While others take actually go to the house and introduce … (34 comments)

sell: Your Website,a Major Lifeline! - 11/21/07 01:01 PM
In my area, I am astonished as to how many agents do not have a separate website that promotes their name. I do realize that some agents may be new and may not have the advertising dollars to spend money on creating a web site or do not have the expertise … (16 comments)

sell: Customers, What are you Looking for? - 11/20/07 03:23 PM
Every one tries to target customers or consumers.  But many people don't ask the customers what annoys you? What do you like? What misconceptions do you have about real estate?  In order to best target your audience you need to know what they are looking for, right now and be one … (0 comments)

sell: Drowning? Customers are your life-line - 11/20/07 03:15 PM
Many realtors are having a hard time in areas that have been severly affected by the mortgage companies tightening loan requirements and the sub-prime defaults and foreclosures.  But many are thriving in this time where bargains are the name of the game.  What separates out these realtors?  Why are they thriving … (6 comments)

sell: The delay with REO's - 11/19/07 03:27 PM
I ran into an unusual situation about a month ago, with an REO property.  In my area there have been a lot of scams, with people ripping off mortgage companies and couples buying homes.  After spending about an hour of research, I found that it was indeed a legitimate property and the … (5 comments)

sell: Tis the Season to Sell Houses - 11/16/07 03:49 PM
Now that the holiday season is upon us, it is a time of year when many markets dry up until January, February, or March.  Well in many of our market, that has already happened to us.  So why not sell houses during this time of year.  Is it that we are … (3 comments)

sell: Get your short sale done quicker. - 11/09/07 03:44 PM
In many markets across the United States, the term short sale is getting to be very well-known among agents, loan officers and banks.  It can be the kiss of death with a sale, since it takes longer to do, usually.  I am including some helpful hints for consumers and agents to … (4 comments)

sell: Consumers are there - 11/01/07 11:53 PM
I am an agent in the number one foreclosure area in the nation.  People are being evicted and leaving their homes in droves.  The numbers have it that 1 in 100 homes are in the process of being foreclosed upon.  The picture I paint is not pretty.  Many realtors have left … (8 comments)

sell: Real Estate Follow Up Calls - 11/01/07 12:15 AM
When I first became an agent, I learned how to develop my sphere of influence through networking, sending post cards and pop by's.  I had an agent training me in the Buffini System. Just some things that I learned on my own. 
1. Call clients at times that are convenient for … (6 comments)

sell: First Impressions - 10/30/07 12:10 AM
Everyday we make first impressions about people we meet.  Whether it be right or wrong, everyone does it.  This is especially true when we meet clients for the first time.  Before you even open your mouth, the client will have determined, generally, whether or not they are going to list with … (11 comments)

 
Real Estate Agent: Matthew Zgonc, REALTOR® for Modesto, CA (ERA Village One Real Estate)
Matthew Zgonc, REALTOR® for Modesto, CA
Modesto, CA
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ERA Village One Real Estate

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