exclusive: Vacation in Beautiful Westerly, RI - 10/03/08 11:07 PM
Westerly is located in the southwestern most corner of the state of RI.Situated along the shore it is one of the most frequented vacation spots for tourists in the area. The beaches which stretch for miles are the best in the state.Each year Westerly kicks off the onset of summer with … (0 comments)
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exclusive: Buying "Small" in Salt Lake - 10/03/08 03:53 PM
With all the plusses that come with more square footage, the smart buyer will look at the additional costs.
Whether you are buying a home as an investment, or planning on living there a long time, there are many reasons some Buyers choose to buy "small" rather than buying "large" homes. … (2 comments)
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exclusive: Integrity in Hamptons, NY Real Estate- Arriving NOW! - 09/25/08 05:14 PM
Authored by: Laurie MindnichSeptember 25th, 2008
Great news for the Hamptons, New York Home Buyer: INTEGRITY HAS ARRIVED!
It was with enthusiasm that I read the recent news offered by Michael Daly, owner of True North Realty Associates in the Hamptons- buyers are now going to be able to navigate the Hamptons and North … (13 comments)
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exclusive: Salt Lake City, Utah Area Homebuyers Benefit when Having Agent on Their Side - 09/18/08 12:28 AM
We had a wonderful experience with our agent, Benjamin Clark.
We had been looking at houses on our own for about six months, and were getting frustrated trying to find decent houses to look at, physically locating the houses without getting lost, and scheduling appointments to see the houses with various listing agents. It felt … (0 comments)
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exclusive: CNN Money Article - Exclusive Buyer's Agents representing their clients - the Buyers! - 09/17/08 11:47 PM
I suppose I should have blogged about this a few weeks ago, but I was interviewed by Les Christie from CNN Money last month and was written up in another CNN Money article, this one titled "Homebuyers turn the screws on desperate sellers."
Although the article doesn't mention this, I believe … (2 comments)
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exclusive: Provo-Orem and Salt Lake City, UT at top of 2008 Best Performing Cities Index - 09/15/08 04:19 PM
The Milken Institute ranks metropolitan areas by how well they create and sustain jobs, wages and salaries and technology.
Their report, dated September 10, 2008 shows Utah's Largest Metro Areas strong atop the list of over 200 Large Metropolitain areas nationally.
Provo-Orem comes in at #1 with Salt Lake City at … (0 comments)
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exclusive: Exclusive Buyer's Agent: The Purest Form of Real Estate Buyer Representation - 09/01/08 08:43 PM
Christopher Cruise writes on Bankrate.com:
Any licensed real estate agent in the United States can legally act as a "buyer's agent," although not all have experience doing so. You can... engage what's called an "exclusive buyer's agent." This is the purest form of buyer representation...
Every time you buy a home, … (0 comments)
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exclusive: Sarasota Buyer Agent Tells Where to Find.... - 08/27/08 09:07 AM
A buyer agents recommendations for great places in Sarasota to buy real estate, whatever your price range, if you are looking for:
Golf: Concession, Founders Club - Luxury Estates University Park Country Club ($500K - $2 million) Lakewood Ranch ($200-$500K) Bent Tree ($250K- $1 million) Palm Aire ($150K-$400K)
Walking Trails: Lakewood Ranch … (0 comments)
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exclusive: Cullens Upscale American Grille- Fine Dining in Clear Lake/Houston - 08/08/08 01:37 AM
Cullens Upscale American Grille, bordering on the Clear Lake and Houston's suburbs is the newest, finest restaurant in this area. Cullens, recently opened in March of 08 with 37,000 sf of dining space. Executive Chef Paul Lewis, was hired away from Quattro, a Four Seasons Resturant, where he worked for 9 … (1 comments)
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exclusive: Blackhawk Market Analysis- Now YOU can Buy! - 07/01/08 01:48 AM
Blackhawk
This established gated community located in the foothills of Mt. Diablo has long been a coveted locale to live in for corporate executives, celebrities, pro ball players, and socialites. The community boasts two private golf courses, The Lakes and Falls, visited annually by the LPGA, Its … (0 comments)
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exclusive: Utah County First Time Home Buyers Want Someone on Their Side - 06/20/08 01:22 PM
We recently purchased our first home in Utah County with the assistance of Benjamin Clark. We had been researching homes and the home-buying process for about a year before we decided the time was right. After reading a lot about the process, it became clear to us that we wanted someone … (5 comments)
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exclusive: Relocating Home Buyers Seek Out Exclusive Buyer's Agents for Representation - 05/29/08 02:59 PM
Because of my work, I was required to relocate to Utah. As with my previous home search effort in Illinois, I decided to use an exclusive buyer agent rather than a traditional realtor. A traditional realtor normally cannot fully represent buyers since they are legally bound to work for the sellers. … (8 comments)
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exclusive: Roy Home Buyers Find Success by Hiring Exclusive Buyer's Agent - 05/29/08 02:54 PM
Wow, where do I start relaying my experience of buying our first house? First, I guess you can say that my husband and I are very cautious people. We do a lot of research before buying any large-ticket item, whether it be a lawnmower, a washer, a car, etc. So when … (1 comments)
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exclusive: Estate Like Property * Secluded in Lanoka Harbor and situated on an oversized lot. Privacy surrounds this beauty. - 05/17/08 06:53 AM
Estate Like Property * Secluded in Lanoka Harbor and situated on an oversized lot. Privacy surrounds this beauty.Location: OakfieldThis one of a kind estate like property has been totally renovated to PERFECTION. This is the home your dreams are made of. Exceptional detail through out. From moldings to marble- to handcrafted … (0 comments)
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exclusive: Somersett Real Estate: An Adulterated Market Report - 05/10/08 04:23 PM
Somersett Country Club
Somersett is perhaps the most sought after luxury neighborhood in Reno especially when the market was red hot back in 2003-2006. It is situated in Northwest Reno. A few minutes away from downtown Reno and one of the first exits coming from california I-80 … (0 comments)
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exclusive: Ummel Case Follow-Up - 04/19/08 11:20 PM
I got the chance to correspond with a reporter in San Diego who wrote an article this week about one of the juror's responses following the verdict in the Ummel vs. their Realtor (R) case.
Like many of you, the reporter had not heard of Exclusive Buyer's Agents before we had … (3 comments)
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exclusive: Ummel Case Juror Suggests "Buyers Agents Suck" - 04/17/08 01:57 PM
OK. Those weren't her words. Read this article from The Voice of San Diego (author, Kelly Bennett) and comment if you like.Here are a few quotes from the juror:
"After my seven days of realtor training (sitting in a court room), I may consider not using a realtor in my next purchase … (21 comments)
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exclusive: Salt Lake City - 3rd Best Place to SELL a home - 04/14/08 01:22 PM
Last week Forbes.com put out a picture story about the best places in the United States to SELL your home.
Here's what they said:
The story makes a few interesting statements about Salt Lake's ecoonomy that I thought should be considered by anyone considering a move to the area, as … (10 comments)
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exclusive: Are They Leads or Bleeds? - 04/03/08 09:02 AM
I just hired a new loan officer that has been successfully working Internet leads for the past few years and he has requested that I look into purchasing a batch of these things. I've never bought a lead and it feels kind of weird to me. All of my business is … (18 comments)
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exclusive: Salt Lake Real Estate Market Musings - 1st Quarter 2008 - 03/28/08 11:58 PM
It will be interesting to see if the slowdown during the Fall (which causes numbers in the Winter to be lower) was as dramatic as it seemed.
I'm curious if Spring and Summer might actually do very well due to many hesitant and fence-sitting Buyers who are now confidently purchasing homes … (3 comments)
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exclusive: Salt Lake Real Estate Market Update - Days on Market - 03/28/08 11:54 PM
As you can see from the graph below which analyzes the average number of days on the market it took for a listed home to sell, you can see that this is one statistic that has actually followed a pretty smooth pattern over the past 6 months.
Days on the market peaked in … (1 comments)
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exclusive: Salt Lake Market Update - 1st Quarter 2008 #1 - 03/28/08 11:38 PM
Take a look at this graph that shows Average List Prices and Average SOLD Prices in Salt Lake County over the past 6 months and tell me you don't see the same thing that I do:
Salt Lake appears to have gone through a minor slump during 4th quarter 2007 and the … (3 comments)
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exclusive: Hiring a Real Estate Agent to help you with your home purchase - 03/16/08 12:50 AM
Hiring a real estate agent to help you with your home purchase is a smart idea. Making sure that agent represents you and only you in your home purchase is even smarter.
If you are thinking about moving to the Salt Lake City area, make sure you get an Agent on YOUR … (0 comments)
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exclusive: 20-30 Year-Olds Help Sustain Utah's Economy - 02/26/08 11:21 PM
The New York Times printed an article explaining how the percentage of Utah's population in the 20 to 30 year-old range has helped keep its economy strong over the past few years while other areas of the nation have suffered.
The article focused on the job growth sector of the economy, but … (7 comments)
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exclusive: Utah Leads Nation in Price Appreciation (STILL!) - 02/26/08 06:42 PM
The Office of Federal Housing Enterprise Oversight has issued the report we have all been waiting for...
Utah still leads the nation in home-price appreciation!
Of course, these reports are a little behind the times and I wouldn't expect anyone to believe that homes appreciated at 9.7% for January or February. I'm still … (4 comments)
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exclusive: Get an Agent on your side when buying - 02/23/08 11:55 PM
If you are thinking about buying a home in the Salt Lake area, make sure you get an agent on YOUR side.
Homebuyer Representation, Inc. is the only Real Estate Brokerage representing Buyers ONLY in Salt Lake City and the Surrounding Areas. We do not list any homes. We never represent Sellers. We work for BUYERS ONLY on … (0 comments)
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exclusive: Rents are Rising - But so are Rates! - 02/23/08 11:53 PM
Apartment Rents in Salt Lake are on the rise, making a home purchase more attractive for those who will be staying in the area for a few years. Homes available for purchase are at extremely high levels and that makes it a Buyer's market.
But, as the common phrase goes, Buyer Beware! … (4 comments)
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exclusive: Re-Listing Homes - Can You Handle the Truth? - 02/23/08 11:45 PM
The Practice of taking a home off the market and re-listing it to show 0 days on the market again is becoming more and more common. Debates are heating up on the subject from coast to coast.
Listing Agents argue they are doing their client a service. They also argue that … (18 comments)
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exclusive: "Old"Listings - What's Wrong With This Home?" - 02/23/08 11:32 PM
Naturally, just like a Buyer, when I see homes on the market for 180, 240, 360 days or more, I also wonder "What is wrong with this home?"
Often, with a little digging, we can find out if the home was under a contract that failed or if there is some … (0 comments)
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exclusive: To Buy Or Not To Buy? This is the Answer (Salt Lake City, Utah) - 02/17/08 09:49 PM
Salt Lake Market in a Nutshell (February 15, 2008):Number of Homes Listed: UPNumber of Homes Sold: DOWNList Prices: DOWNSOLD Prices: UP
To Buy or Not to Buy: BUY
It's a Buyer's Market. What are you waiting for?
If you are thinking about buying a home in the Salt Lake area, make sure you get … (3 comments)
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exclusive: Salt Lake City, Utah Real Estate Market Update (Feb 2008) - 02/17/08 09:47 PM
Salt Lake's Tribune released an article titled "Utah home sales plunge" on February 14th, 2008.
It starts out by saying that Salt Lake is now caught "in the middle" of the national downturn.
Is this true, or just an attention grabbing headline?
If you read the entire article and not just the headline, you will … (0 comments)
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exclusive: Seeking Trophy, Class A office, Hotels, Resorts, Casino in major cities worldwide. - 02/17/08 11:47 AM
If you are the owner or direct to owner please contact me. If the figures work we can maybe get a deal done very quickly.
Paul@DoynoRealty.com
… (0 comments)
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exclusive: Some Things Aren't Learned In School - Like How To Buy A Home - 02/13/08 05:02 PM
Some things just aren't taught in school. I have always believed that there are many things that, if taught in school, would make life easier and more successful for many of the next generation.
"Utah lawmakers right now are considering a bill, sponsored by Sen. Patricia Jones, D-Holladay, that would set up … (3 comments)
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exclusive: Does the "Right" way to buy a home change? - 02/13/08 01:37 PM
Last year, CNN Money posted a Spring Home-Buying Guide.
The link is:
CNN Money - Spring Home-Buying Guide: 6 ways to do it right
They say to get pre-approved first, shop at least 4 or 5 lenders, work with an agent who will represent you only, etc. etc. etc.
The most important factor is making … (2 comments)
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exclusive: How Street View Helps Homebuyers in Salt Lake City! - 02/13/08 01:08 PM
Salt Lake City is one of a handful of cities that has recently been added as a Google StreetView City!
You are either really excited about this or really freaked out about it, but the bottom line is that this is good news for homebuyers.
Listing agents tend to take pictures from angles … (4 comments)
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exclusive: Ummel Case - National Association of Exclusive Buyer Agents Statement - 02/10/08 12:46 AM
Being an Exclusive Buyer's Agent and a member of the National Association of Exclusive Buyer Agents (Disclosure: I'm also on the Board of Directors), I was excited to see the following article on FoxBusiness.com:
Buyer Agent Organization Comments on Ummel Home Buying Case
The Association's position is simply that part of a Buyer's … (6 comments)
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exclusive: Salt Lake Named one of the Best Cities for Bargain House-Hunting - 02/08/08 10:15 AM
In the evening edition of Forbes.com 2/7/2008 an article titled "Best Cities For Bargain House-Hunters" names Salt Lake City, Utah as one of the Best Places to buy real estate in today's market. (Salt Lake is ranked #1)
What exactly do they say?
"They'd be smart to look for markets where job growth is strong, foreclosures are … (4 comments)
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exclusive: Salt Lake's Smartest Homebuyers! - 02/06/08 04:14 PM
What clients are saying about Homebuyer Representation, Inc. Utah's Exclusive Buyer Brokerage!
"We wanted someone who would work with us and not be constrained or biased by their own listings or those from colleagues in their same office or group. Benjamin was extremely responsive and even did virtual walk-throughs with us via video … (0 comments)
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exclusive: Working with Clients as an Exclusive Buyers Agent in Salt Lake - 02/02/08 11:28 PM
Tell us a about your philosophy of customer service.
First, if we get along, we will both have a good time. I do my best to educate my clients and let them stay in control over the decisions that are made. I do my very best to assure that my clients are … (0 comments)
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exclusive: Benjamin Clark - Background - 02/02/08 11:23 PM
How long have you been an Exclusive Buyer Agent? What brought you to this unique niche?
I have been a real estate agent since 1997. I worked mainly for buyers during my first few years, but I also took some listings. I quit listing homes in 2000. I didn't know what … (0 comments)
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exclusive: Why You Shouldn't Wait to Buy A Home in Salt Lake - Simple Analysis - 12/13/07 03:31 AM
If you are considering a home purchase in the Salt Lake City, Utah area, you may be getting mixed signals as to whether you should buy a home now, or wait another year.
A recent article Forbes Magazine stated, "In Salt Lake City, the median home sale price for the third quarter … (4 comments)
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exclusive: The Benefits of Being Late to the Housing Boom Party - 12/13/07 03:20 AM
The market in Salt Lake is certainly slowing down, but for all our sakes, that is a good thing. Last year's appreciation rates of 20-25% were great for all homeowners and created a bit of a buying-frenzy that had many buyers involved in multiple-offer transactions and many Builders and Sellers seemed to … (3 comments)
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exclusive: Bal Harbor-Stunning-Lifestyle- SET YOUR ATTENTION ON GETTING THE BAL HARBOR ONE @ DEVELOPER'S PRICES!!!! - 11/15/07 03:33 PM
Bal Harbor is the most Luxuriest Point on the map0 of South Florida!!! Located on the northern end of Miami-Dade county. Set between Surfside to the South and Sunny Isles Beach to the north and just minutes from either Miami International airport or Ft. Lauderdale International, it is home to many … (0 comments)
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exclusive: NAR's Price Analysis for the Salt Lake City Metro Region - October 2007 - 11/02/07 04:20 PM
October 2007
NAR's Price Analysis for the Salt Lake City Metro Region states that "Home prices in the Greater Salt Lake City Metro Region are still booming." I wouldn't say "booming" - I would say still rising - at about 9% (based on 3rd Quarter Statistics).
Copyright National Association of REALTORS®, Reprinted from … (0 comments)
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exclusive: New Exclusive Listing - 213 West 85th Street Upper West Side Brownstone - 10/25/07 11:13 PM
Unique opportunity!. Upper West Side Brownstone. SHOWING NOW BY APPOINTMENT ONLY.GET IN EARLY CONSTRUCTION PRICES!
First Offering. New Condo Conversion. This Unique 3 bedroom / 2 bath floor through home consists of 10 Foot Ceilings, Crown moldings, gas fireplace, large open chef's kitchen with granite counters,and Viking Appliances. Washer/Dryer, Jacuzzi tub … (0 comments)
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exclusive: RE/MAX balloon event in Hogansville, GA - 10/21/07 07:23 AM
This is the before picture when they were setting it up.
The balloon as it is being blown up.
The balloon up in the air.
We were able to give a few tethered rides after the wind calmed a bit.
And, needless to say since this was on a main thoroughfare we stopped traffic at … (12 comments)
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exclusive: The Truth About "Buyer's Guides" - 10/21/07 01:25 AM
Are You Missing The "HOT" Listings?If you're relying on the "Buyer's Guides" that are distributed in grocery store racks to find your home, you will likely find that the only homes still available are the "leftovers."
It can take up to 45 days for some "Buyers Guides" to be compliled, printed and … (3 comments)
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exclusive: I made the RE/MAX news thanks to AR! - 10/08/07 07:54 PM
I was minding my own business today reading the RE/MAX Mainstreet page when I came upon an article about agents marketing and using the Halloween theme as a tool. "Oh cool," I thought, "Let's see what other agents are doing to market using this holiday theme."
Well, to my surprise and I … (13 comments)
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exclusive: Boooooo! and all that goes bump in the night! - 10/07/07 07:34 AM
Halloween is fastly approaching and we at RE/MAX Today are participating in the annual Trunk or Treat in downtown Hogansville.
I had no idea how big this event was until I called City Hall to confirm our reservations for a spot to park our car. There is to be food vendors there, … (3 comments)
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exclusive: The road less travelled! - 09/30/07 12:22 PM
Yes, I am going down a road I have not travelled in the past. My partner has a young man whom used to work with him that is taking up marketing. He needs to do an internship with a company as part of his class. On Friday, he came by the … (12 comments)
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exclusive: Commercial Listing: Boutique Hotel on 1 Acre of Waterfront - 09/11/07 02:28 PM
This boutique hotel is situated on an acre of waterfront property less than one hour south of Miami. In 2006 it received a Traveler's Choice Award from Trip Advisor as "Best Hidden Gem" in the entire United States. The hotel is bayside and enjoys beautiful oceanside sunsets. Located right on Overseas … (0 comments)
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exclusive: Ginn Company Purchases Bulow Shores – Intercoastal Property Once a Centex Project - 09/11/07 08:20 AM
In April, I heard that Bobby Ginn purchased the Bulow Shores development from Centex Destination Properties (CDP). I contacted a Ginn spokesperson to confirm the story. He said he would check it out and get back to me. He never did, so I posted it as a rumor. Well, now it's … (0 comments)
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exclusive: The truth about why I became a buyers agent! - 08/16/07 10:21 AM
A few years ago I decided to persue the dream and quit my 9-5 job and become a realtor. I soon discovered after getting my license that this was a tough job. Not the glamorous work anytime you want and make millions it had been promoted to be. I struggled … (7 comments)
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exclusive: Hammock Beach - Luxury Oceanside Resort - Private Golfing Community - 08/03/07 03:59 PM
Hammock Beach was the first of The Ginn Company's developments in Flagler County. Ginn purchased property from Lowe Destination Properties, the same folks that developed Ocean Hammock. It is located along the Atlantic shore in an unincorporated area known as The "Hammock.''
Hammock Beach has 213 single family homesites but the jewel of Hammock … (0 comments)
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exclusive: No referral fees for Vacation properties? - 07/21/07 07:22 PM
I had just returned today from our family vacation to Lake George NY and first I must say we had a great time as always. The weather was nice except for 2 days but hey- can't get it all.
While we were there walking around the village, we came across a sign … (7 comments)
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exclusive: SAVE over $125,000 - 05/18/07 09:16 PM
SAVE over $125,000 compare to the lot just next door. This waterfront lot is .57 acre and in Lake Carolina's ONLY gated neighborhood.
The value of house in this neighborhood range from $500,000 - $2 Million.
* Magnificent homes and spectacular lake vistas
* Private swim club and day dock for all … (2 comments)
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exclusive: Your Credit Might Not Be As Bad As You Think - 05/14/07 12:00 PM
Many buyers in the Salt Lake City, Utah area have been unsure of their standing in the credit department. This has led them to agree to pay a higher interest rate, convinced that they should, when in reality, their credit may not have been low enough to merit the higher rate.
Those who … (1 comments)
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exclusive: How to Know About the Newest Homes on the Market Each Day - 05/14/07 11:54 AM
Get Technology Working For YouWith our Preferred Buyer Search, Salt Lake City Area Buyers help us program our database to search the entire inventory of listed homes for sale. Our computers will easily find the homes that match YOUR specifications.
This search accesses the Wasatch Front Regional Multiple Listing Service's mainframe database (The MLS). … (3 comments)
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exclusive: CNN Money - Spring home-buying guide: 6 ways to do it right - 05/09/07 08:35 PM
Breaking News!
CNN Money just posted their Spring Home-Buying Guide for Spring 2007!
The link is:
CNN Money - Spring Home-Buying Guide: 6 ways to do it right
They say to get pre-approved first, shop at least 4 or 5 lenders, work with an agent who will represent you only, etc. etc. etc. The same … (1 comments)
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exclusive: The wrong mortgage can cost thousands of dollars in needless fees, interest and other costs - 05/08/07 05:17 PM
The wrong mortgage can cost thousands of dollars in needless fees, interest and other costs.Many lenders have a handful of loan types that they use with almost all of their customers. You may qualify for special programs, but never hear of them. Many lenders use the loans that are most similar … (2 comments)
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exclusive: Why Loan Pre-Qualification Isn't Good Enough - 05/08/07 04:59 PM
Utah Homebuyers should be Pre-Approved BEFORE they make an offer.We strongly recommend that all our clients get Pre-Approved for a mortgage so they know in advance exactly how much you can afford and that their loan will go through. It also adds credibility and strength to their offer and is a … (1 comments)
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exclusive: Questions Every Home Buyer Should Ask When Interviewing Agents to Represent Them on a Home Purchase - 03/30/07 11:18 AM
--How long have you been representing buyers? What Real Estate designations do you have? Which ones are buyer-related?--(IF they have an ABR designation) -- Do you have any additional training beyond just the ABR designation? If so - what?--Do you have any credentials in research and analysis and information gathering? If … (7 comments)
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exclusive: City of Bradbury, Bradbury Estates , very exclusive horse estates community - 02/22/07 05:54 PM
Great city at foot of San Gabriel valley mountains, bellow Mount Wilson peak and the famed observatory. Private Parks and natural greenery are abound in Bradbury City and Bradbury Estates, gated very , very exclusive estate community, horse lovers, owners, or just really wealthy individuals ...Bradbury is a city in Los … (0 comments)
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exclusive: City of Monrovia in San Gabriel Valley , North East of Los Angeles downtown - 02/22/07 05:36 PM
Great city at foot of San Gabriel valley mountains, bellow Mount Wilson peak and the famed observatory. Parks and natural greenery are abount in Monrovia.Monrovia is a city located in the foothills of the San Gabriel Mountains in the San Gabriel Valley of Los Angeles County, California, United States. The population … (0 comments)
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exclusive: Check Out The BEST Spanish Mortgage Leads Available! - 02/09/07 04:32 PM
If you are bilingual or if you have bilingual loan officers you are way ahead of the game! This is the market to be in. Our clients using Spanish leads are having tremendous success. We have several NEW programs available since January 2007. We now have Exclusive Spanish Television leads, Exclusive … (0 comments)
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exclusive: Exclusive California Mortgage Leads FOR SALE - 01/24/07 04:36 PM
Currently, we are looking for brokers or loan officers who are ready to increase production!
Interested?
We generate HIGH QUALITY Exclusive California Mortgage Leads. We're prepared to call thousands of homeowners to find out who is ready to refinance. We pride ourselves in our ability to produce mortgage leads with such high closing rates. In fact, we guarantee … (3 comments)
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exclusive: Lyghte Luxury Miami Condos - 07/19/06 11:16 AM
Project Summary
Community: Miami MidtownDesign type: CondosArchitect: Bellinson GomezViews: BayfrontCompletion Date: 2008Bedrooms: 3Residence Size: 3135 sf.Total Residences: 27Number of Stories: 31Price Range: $1,500,000 to $2,000,000
Lyghte Bayfront CondosLyghte condos brings another option for the discriminating luxury condo buyer in the Midtown Miami Arts District. This bayfront development will be very exclusive and private … (4 comments)
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