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Real Estate Agent
Eileen Begley
I specialize in helping buyers & Sellers on the Monterey Peninsula. I use both photos & video to market my listings. I also teach workshops on digital imaging topics to Realtors.
Cell: (831) 277-9939
Office: (831) 277-9939
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Services for Real Estate Pros
Shelly Whitworth
MorSystems is a family company offering mortgage websites to mortgage companies & individual loan officers. Ask me about mortgage websites, mortgage marketing, referral partners etc.
Office: (831) 275-0143
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Carmel, CA Real Estate News

By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
How Legitimate Credit Repair Companies Use Current Law (FCRA, Metro 2) Credit repair companies follow this exact framework: • Pull your credit reports regularly. • Identify inaccuracies/inconsistencies based on Metro 2 guidelines. • Submit dispute letters citing specific FCRA violations (FCRA §§ 611, 623). • Track and escalate unresolved disputes to CFPB or pursue litigation via consumer-rights attorneys. • Aim for precise legal challenges rather than vague disputes to ensure deletion. Note: • Legitimate repair firms never guarantee removal, as that’s illegal under CROA (Credit Repair Organizations Act). • They can only challenge accuracy, completeness, and compliance violations. ⸻ ⚖️ Legal Requirements for Creditors Reporting (Metro 2) Under current standards, creditors must report: • ...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Part 2 Credit Disputes  ✅ Step 4: Filing Your Dispute (Direct & Precise Approach) You can dispute in two primary ways: A. Directly with Credit Bureaus (recommended first): • Online Disputes (fast, easy, but paper trail limited): • Experian Disputes • TransUnion Disputes • Equifax Disputes • Certified Letter Dispute (strongest legal documentation): • Clearly outline disputed items, reasons, and cite FCRA §611. • Request deletion or correction explicitly. • Include copy of government-issued ID & proof of address. • Send via certified mail (USPS), return receipt requested. Example Letter Excerpt: “Under the Fair Credit Reporting Act §611, I am formally disputing the following inaccuracies on my credit report. The creditor has not complied with Metro 2 guidelines for accurate reporting. Ple...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Is Your Credit Report Accurate? Below is a structured and precise overview of the best practice methods to dispute items on your credit report, aligned with current federal laws (FCRA, FACTA, FDCPA) and the processes utilized by reputable credit repair companies, as well as the legal reporting requirements creditors must follow (Metro 2 Compliance). ⸻ ✅ Step 1: Pull Current Credit Reports (All Three Bureaus) • Annual Free Report: • AnnualCreditReport.com • Each bureau (Experian, Equifax, TransUnion) must provide one free report annually (currently weekly free reports extended through 2025). • Paid/Frequent Updates: • MyFICO • Experian.com • Equifax.com • Transunion.com ⸻ ✅ Step 2: Identify Errors or Inaccuracies (Common Targets) Review your reports for: • Incorrect account status (open/...
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By inboundREM Market Updates
(InboundREM)
Carmel-by-the-Sea, known simply as Carmel, is a jewel of the California coast. With its breathtaking ocean views, artistic heritage, and European-style charm, it's no wonder buyers and sellers alike are drawn to the area. Whether you're searching for a serene retreat or planning to list your home in one of the region’s most desirable enclaves, understanding Carmel neighborhoods is key to navigating the local real estate market.As a local realtor, I’ve guided clients through Carmel’s unique residential pockets, each with its own personality, price point, and lifestyle appeal. Here’s a detailed look at the best neighborhoods in Carmel, CA for buyers and sellers alike.Carmel PointSeaside serenity with premium viewsCarmel Point offers some of the most scenic real estate in the area. Located...
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By inboundREM Market Updates
(InboundREM)
If you're searching for detailed information about the Carmel zip code, you’ve come to the right place. Carmel-by-the-Sea, commonly called Carmel, is a picturesque coastal city in Monterey County, California, known for its stunning beaches, charming downtown, and vibrant arts scene. Understanding the various zip codes in and around Carmel can help homebuyers, sellers, and visitors better navigate the area and find the perfect neighborhood.This guide breaks down the key zip codes associated with Carmel, CA, and the nearby cities within those postal areas, along with brief descriptions to give you a sense of each community.Carmel Zip Code: 93921Carmel-by-the-SeaCarmel-by-the-Sea is a quaint, walkable village known for its fairy-tale cottages, art galleries, boutique shops, and fine dining...
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By inboundREM Market Updates
(InboundREM)
Carmel, CA: A Premier Coastal DestinationCarmel, California, is one of the most sought-after destinations on the Central Coast, known for its stunning natural beauty, historic charm, and luxurious homes. Whether you are considering buying or selling a home in Carmel, CA, you’re exploring a market rich in appeal, with a variety of homes that capture the essence of coastal living.Why Carmel is a Great Place to LiveCarmel-by-the-Sea, as it's often called, is renowned for its picturesque streets, charming cottages, and art galleries. The town exudes an old-world charm that has made it a popular location for those seeking a peaceful retreat by the sea. Surrounded by the breathtaking Monterey Peninsula, Carmel offers an exceptional quality of life, with its beautiful beaches, forested hills, ...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
The Do's and Don'ts of Real Estate Negotiations: A Guide for Buyers and Sellers (With a Side of Humor)Alright, folks—whether you're buying your dream home or selling a place you may have grown to hate, negotiating in real estate is like playing poker, but with fewer chips and more paperwork. If you don’t approach this with the right mindset, it’s easy to go from “Let’s make a deal!” to “I’m pulling out of this transaction faster than my last online dating experience.”So, how do you negotiate like a pro without accidentally sabotaging yourself? Well, buckle up, buttercup, because here’s a humorous (but still super useful) guide to the Do’s and Don’ts of Real Estate Negotiations!The Do’s:1. Do Your Homework (No, Not Like High School)Before you dive into the negotiations, you’ve gotta do y...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Why Having Strong Business Credit Is Crucial for Realtors (And How Alexa Business Coach Will Help You Build It)Alright, realtors—gather ‘round! I know you're busy running around, showing houses, sealing deals, and probably drinking one too many cups of coffee to stay awake (I mean, we’ve all been there). But what if I told you that there’s something extremely important that could take your real estate game to a whole new level?I’m talking about business credit. Yeah, I know—when you hear the word "credit," your brain probably starts to check out. But listen up, because having strong business credit is absolutely essential for anyone running a business, and if you're a realtor, it could be the key to unlocking massive opportunities.And before you think, “Okay, this sounds like a boring f...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
How to Use Your Business Credit to Finance Real Estate Deals (Without Selling Your Soul or Your Favorite Sneakers)Let’s face it: the key to growing your real estate business often boils down to one thing — capital. Whether you’re looking to buy your next property, renovate a fixer-upper, or even expand your team, financing is the name of the game. But here’s the problem: a lot of realtors rely on their personal credit to fund business activities, which can be risky, stressful, and, let’s be honest, pretty limiting.if you’re looking for guidance along the way, Alexa Business Coach is your go-to resource for making business credit work for you.But here's the good news: business credit is your secret weapon. By using your business credit, you can access funding that helps you grow without ...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
The Do's and Don'ts of Real Estate Negotiations: Navigating the Offer and Counteroffer ProcessWhether you're buying or selling a home, one of the most critical aspects of the process is negotiation. It's the art of making an offer, handling counteroffers, and ultimately reaching an agreement that satisfies both parties. But negotiation isn't just about haggling over price—it's about understanding the other party’s needs, being strategic, and knowing when to stand firm or make concessions.As we’re reminded in Proverbs 15:1, "A gentle answer turns away wrath, but a harsh word stirs up anger." (NIV). This ancient wisdom rings true in real estate, where the right approach can make the difference between striking a deal or seeing it fall through.If you’re new to real estate transactions or n...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
How to Finance Your Dream Home with a Non-Traditional LoanPurchasing your dream home is one of the most exciting (and often stressful) milestones in life. For many, the journey to homeownership includes a mix of financial planning, paperwork, and finding the right loan to make that dream a reality. But what if you don’t fit the traditional mold for securing a mortgage? Good news—there are plenty of non-traditional loan options available to help you get into your dream home, even if your financial situation doesn’t perfectly align with conventional lending standards.The Bible teaches us in Proverbs 24:3-4, "By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures." (NIV). Just as wisdom and knowledge...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
The Rise of Remote Work and Its Impact on Real Estate: How Remote Work is Reshaping Housing TrendsIn the wake of the pandemic, remote work has evolved from a temporary adjustment to a long-term lifestyle change for millions of people. Whether you're working from home a few days a week or have fully embraced the flexibility of telecommuting, the rise of remote work has fundamentally altered how people view their living spaces—and it’s having a profound impact on the real estate market.As Proverbs 24:3-4 says, "By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures." (NIV). Remote work is leading us to rethink what makes a home functional, comfortable, and desirable. If you’re a homebuyer or investo...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Why Home Inspections Are Crucial Before You Buy: Don’t Skip This Step!Picture this: You’ve found your dream home, and you’re ready to sign on the dotted line. It’s got the perfect backyard for summer barbecues, a kitchen that would make Gordon Ramsay proud, and just enough closet space to make your wardrobe feel like a million bucks. But before you rush to buy that house, there’s one essential step you must not skip: the home inspection.It might not be the most glamorous part of home buying, but trust me, it’s one of the most important. Think of it like a health check-up for your future home. Just like you wouldn’t buy a used car without a mechanic’s inspection, you shouldn’t buy a house without making sure it’s in tip-top shape. A thorough inspection can save you thousands of dollars i...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
How to Prepare Your Home for an Open House: Best Practices for SellersSelling a home can be a daunting process, but with the right preparation, an open house can be a great opportunity to show off your home and attract potential buyers. Think of it as setting the stage for a performance—the more effort you put into it, the more likely it is to leave a lasting impression. After all, first impressions matter, and according to Proverbs 31:25, "She is clothed with strength and dignity; she can laugh at the days to come." (NIV) – You can confidently prepare your home to shine at the open house and attract the perfect buyer.Here’s a guide to help you prepare your home for an open house with tips and best practices that will make your property stand out and get the attention it deserves!1. Cle...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Top 5 Emerging Real Estate Markets in 2025: Where to Invest for the FutureIf you’re thinking about diving into real estate investing, 2025 may be a perfect time to explore new opportunities. While some markets are well-established and expensive, others are emerging and poised for significant growth. These up-and-coming areas are where savvy investors are starting to look, and you should consider them too. After all, as Proverbs 24:3-4 reminds us:"By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures." – Proverbs 24:3-4 (NIV)If you’re looking for wisdom and understanding to build a fruitful real estate investment portfolio, these 5 emerging markets in 2025 should be on your radar. Let's take a loo...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
The Pros and Cons of Buying a Fixer-Upper: Should You Buy That ‘Diamond in the Rough’ or Keep Searching?Let’s start with a little story: You’ve found the one. It’s got character, charm, and potential—oh, so much potential. The house is a bit like that forgotten sofa in your grandma’s attic: a little worn, a little dusty, but deep down, you know with a little love, it could be beautiful. This, my friend, is the allure of the fixer-upper.But before you get too attached to the idea of turning that house into your dream home (or maybe you’re picturing it as the next HGTV-worthy transformation), let’s take a closer look at what you’re really getting yourself into. Because while fixer-uppers can be a dream, they can also turn into a nightmare—so let’s weigh the pros and cons!And since we’re a...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
What to Look for in a Real Estate Agent: How to Choose the Right One (Without Losing Your Mind)Let’s face it—choosing the right real estate agent can feel a little like choosing a new pair of shoes. It’s gotta fit, it’s gotta feel right, and—most importantly—it’s gotta make you look good in front of your friends (or at least make sure you’re not stuck with a questionable purchase). But in all seriousness, picking the right real estate agent is one of the most important decisions you'll make when buying or selling property. You’re not just hiring someone to show you houses or list your home; you're hiring a partner in your financial future. So, how do you choose the right one? Let’s break it down.And for a little divine inspiration, here’s a Bible verse to get you thinking about choosing...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Three Business Credit Myths Debunked: Get the Facts, Not the Fiction!A lot of people can barely wrap their heads around the world of consumer credit, but when it comes to business credit, it’s like we’ve stumbled into a parallel universe. Well, don't worry—I’m here to clear up some of the most common (and hilarious) misconceptions about business credit. Ready for some truth bombs? Let’s dive in!Myth #1: Business Credit is Just Like Personal Credit Oh, if only! This might sound like it should be true, but it’s not. While both credit systems are similar (yes, they both involve borrowing money and getting really judged on your spending habits), they’re not identical. Here’s the twist: The consumer credit system has earned a reputation for being a bit anti-consumer. Think: court cases, cong...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Understanding the Dun & Bradstreet PAYDEX Business Credit ScoreIn the business world, one of the most important credit scores is the PAYDEX score from Dun & Bradstreet. This score evaluates a company’s risk in terms of lending, similar to how an individual’s personal credit score reflects their financial reliability. Essentially, the PAYDEX score is the business counterpart to your personal credit score. So, if your business had a dating profile, this would be its “reliability” rating.Click Here For Free Guide on Getting Business Loans and Lines of CreditWhat is the PAYDEX Score?The Dun & Bradstreet PAYDEX® Score is a dollar-weighted numerical indicator that shows how well a company has paid its bills over the past year. It’s based on trade experiences reported by vendors to Dun & Brads...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Why You Should Invest in Real Estate (Even if You’re a Beginner)Investing in real estate can seem like a daunting task, especially if you’re a beginner. With all the terms like equity, appreciation, and leverage flying around, it’s easy to feel like you need a PhD in finance just to get started. But here’s the thing—real estate investing is one of the oldest and most reliable ways to build wealth. Whether you’re just starting out or you’ve been thinking about it for a while, there are plenty of reasons to consider diving into the world of property ownership.And to make things even more inspiring, let’s start with a little wisdom from the Bible. Proverbs 24:27 (NIV) tells us:"Put your outdoor work in order and get your fields ready; after that, build your house."This verse gives us a pra...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
The Impact of Interest Rates on Real Estate: How Changes in Rates Affect the Housing Market and Buyers' Purchasing PowerInterest rates are one of the most influential factors in the real estate market, shaping the decisions of both buyers and sellers. Whether you're a first-time homebuyer or a seasoned investor, understanding how interest rates affect the housing market is essential. Let's explore how these rates can influence everything from home prices to your ability to purchase a property.What Are Interest Rates?Interest rates refer to the cost of borrowing money. When you take out a mortgage to buy a home, the interest rate determines how much you'll pay in addition to the principal loan amount. The rate is typically set by financial institutions based on broader economic factors, ...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Valentine’s Day: Real Estate Edition – Love, Listings, and LaughterAh, Valentine’s Day – the one day of the year where hearts aren’t just reserved for listings, but also for chocolates, roses, and, for some of us, a little bit of real estate humor.As real estate professionals, we spend our days helping clients find the home of their dreams, but today, let’s talk about something a little more heartfelt—and no, it’s not just about pricing strategies or curb appeal. Let’s talk about the love.Here are a few ways Valentine’s Day is just like being a realtor (with a bit of humor sprinkled in, of course):1. Commitment is Key When you're showing a home to a potential buyer, it’s a lot like dating. You need to commit—both parties have to feel like this is “the one” before anything serious happen...
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By Christopher Shearer MBA DRE #02062657, Experience You Can Trust. Results You Can Count On
(Christopher Shearer Real Estate)
Real Estate Myths You Should Stop BelievingThe world of real estate can be full of confusion, and many misconceptions persist that could be holding you back from making informed decisions, whether you're buying, selling, or renting. From myths about down payments to misunderstandings about the true costs of renting versus buying, it's essential to separate fact from fiction. Here are some common real estate myths that you should stop believing.1. You Need a 20% Down Payment to Buy a Home The Myth:Many people believe that a 20% down payment is required to buy a home. This myth is often perpetuated by conventional wisdom and old-school mortgage advice, but it’s simply not true in today’s market.The Truth:While a 20% down payment might have been the standard in the past, it is not a necess...
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