inspired-home-staging

CLOSING COSTS WHEN BUYING OR REFINANCING A HOME

Fri, 22 Mar 2024 12:24:26 GMT

CLOSING COSTS WHEN BUYING OR REFINANCING A HOME

This is a detailed summary of the costs you may have to pay when you buy or refinance your home. They are listed in the order that they should appear on a good-faith estimate you obtain from a mortgage lender. There are two broad categories of closing costs. Non-recurring closing costs are items that are paid once and you never pay again. Recurring closing costs are items you pay time and again over the course of home ownership, such as property taxes and homeowner’s insurance. Some of the items that appear here do not traditionally appear on a lender’s Good Faith Estimate, and lenders are not required to show all of these items.

Non-Recurring Closing Costs Associated with the Lender.

Loan Origination Fee: The loan origination fee is often referred to as points. One point is equal to one percent of the mortgage loan. As a rule, if you are willing to pay more in points, you will get a lower interest rate. On a VA or FHA loan, the loan origination fee is one point. Any additional points are called discount points.

Loan Discount: On a government loan, the loan origination fee is normally listed as one point or one percent of the loan. Any points in addition to the loan origination fee are called discount points. On a conventional loan, discount points are usually lumped in with the loan origination fee.

Appraisal Fee: Since your property serves as collateral for the mortgage, lenders want to be reasonably certain of its value, and they require an appraisal. The appraisal looks to determine if the price you are paying for the home is justified by recent sales of comparable properties. The appraisal fee varies depending on the value of the home and the difficulty involved in justifying its value. Unique and more expensive homes usually have a higher appraisal fee. Appraisal fees on VA loans are higher than on conventional loans.

Credit Report: As part of the underwriting review, your mortgage lender will want to review your credit history. The cost of running the credit report can vary and is included in closing costs.

Lender’s Inspection Fee: You normally find this fee on new construction and is associated with what is called a 442 inspection. Since the property is not finished when the initial appraisal is done, the 442 inspection is done when the building is completed and verifies that construction is complete with carpeting and flooring installed.

Mortgage Broker Fee: About seventy percent of loans are originated through mortgage brokers, and they will sometimes list your points in this area instead of the Loan Origination Fee category. They may also add any broker processing fees in this area, so you clearly understand how much is being charged by the wholesale lender and how much is being charged by the broker. Wholesale lenders offer lower costs and rates to mortgage brokers than you can obtain directly, so you are not paying extra by going through a mortgage broker.

Tax Service Fee: During the life of your loan, you will be making property tax payments, either on your own or through your impound account with the lender. Since property tax liens can sometimes take precedence over a first mortgage, it is in your lender’s interest to pay an independent service to monitor property tax payments.

Flood Certification Fee: Your lender must determine whether or not your property is located in a federally designated flood zone. This is a fee usually charged by an independent service to make that determination.

Flood Monitoring: From time to time, flood zones are re-mapped. Some lenders charge this fee to maintain monitoring on whether this re-mapping affects your property.

Other Lender Fees

We put these in a separate category because they vary so much from lender to lender and cannot be associated directly with the cost of the loan. These fees generate income for the lenders and are used to offset the fixed costs of loan origination. The processing fee mentioned above can also fall into this category, but since it is listed higher on the Good Faith Estimate Form, we did not also include it here. You will normally find some combination of these fees on your Good Faith Estimate.

Document Preparation: Before computers made it fairly easy for lenders to draw their own loan documents, they used to hire specialized document preparation firms for this function. This was the fee charged by those companies. Nowadays, lenders draw their own documents, but this fee is charged on almost all loans.

Underwriting Fee: Once again, it is difficult to determine the exact cost of underwriting a loan since the underwriter is usually a paid staff member.

Administration Fee: If an administration fee is charged, you will probably find there is no underwriting fee. This is not always the case.

Appraisal Review Fee: Even though you will probably not see this fee on your Good Faith Estimate, it is charged occasionally. Some lenders routinely review appraisals as a quality control procedure, especially on higher-valued properties.

Warehousing Fee: This is rarely charged and begins to border on the ridiculous. However, some lenders have a warehouse line of credit and add this as a charge to the borrower.

Items Required to be Paid in Advance

Pre-paid Interest: Mortgage loans are usually due on the first of each month. Since loans can close on any day, a certain amount of interest must be paid at closing to get the interest paid up to the first. For example, if you close on the twentieth, you will pay ten days of pre-paid interest.

Homeowner’s Insurance: This is the insurance you pay to cover possible damages to your home and other items. If you buy a home, you will normally pay the first year’s insurance when you close the transaction. If you are buying a condominium, your Homeowners’ Association fees normally cover this insurance.

VA Funding Fee: On VA loans, the Veterans Administration charges a fee for guaranteeing your loan. The fee will be a percentage of the loan balance, but the exact percentage will vary depending on whether you have used your VA eligibility in the past. Instead of actually paying this as an out-of-pocket expense, most veterans choose to finance it, so it gets added to the loan balance. This is why the loan balance on VA loans can be higher than the actual purchase amount.

Up Front Mortgage Insurance Premium (UFMIP): This is charged on FHA purchases of single-family residences (SFR’s) or planned unit developments (PUDs). Like the VA funding fee, it is normally added to the balance of the loan. Unlike a VA loan, the homebuyer must also pay a monthly mortgage insurance fee. This is why many lenders do not recommend FHA loans if the homebuyer can qualify for a conventional loan. Condominium purchases do not require the UFMIP.

Mortgage Insurance: Though it is rare nowadays, some first-time homebuyer programs still require the first-year mortgage insurance premium to be paid in advance. Most mortgage insurance (when required) is simply paid monthly along with your mortgage payment. Mortgage insurance covers the lender and covers a portion of the losses in those cases where borrowers default on their loans.

Reserves Deposited with the Lender

If you make a minimum down payment, you may be required to deposit funds into an impound account. Funds in this account are your funds, and the lender uses them to make the payments on your homeowner’s insurance, property taxes, and mortgage insurance (whichever is applicable). Each month, in addition to your mortgage payment, you provide additional funds, which are deposited into your impound account.

The lender’s goal is to always have sufficient funds to pay your bills as they come due. Sometimes impound accounts are not required, but borrowers request one voluntarily. A few lenders even offer to reduce your loan origination fee if you obtain an impound account. However, if you are disciplined about paying your bills and an impound account is not required, you can probably earn a better rate of return by putting the funds into a savings account. Impound accounts are sometimes referred to as escrow accounts.

Homeowners Insurance Impounds: Your lender will divide your annual premium by twelve to come up with an estimated monthly amount for you to pay into your impound account. Since a lender is allowed to keep two months of reserves in your account, you will have to deposit two months into the impound account to start it up.

Property Tax Impounds: How much you will have to deposit towards taxes to start up your impound account varies according to when you close your real estate transaction. For example, you may close in November, and property taxes are due in December. Your deposit would be higher than for someone closing in May.

Mortgage Insurance Impounds: When required, most lenders allow this to simply be paid monthly. However, you may be required to put two months’ worth of mortgage insurance as an initial deposit into your impound account.

Non-recurring closing costs not associated with the lender

Closing/Escrow/Settlement Fee: Methods of closing a real estate transaction vary from state to state, as do the fees.

Title Insurance: Title insurance assures the homeowner that they have clear title to the property. The lender also requires it to ensure that their new mortgage loan will be in first position. The costs vary depending on whether you are purchasing a home or refinancing.

Notary Fees: Most sets of loan documents have two or three forms that must be notarized. Usually, your settlement or escrow agent will arrange for you to sign these forms at their office and will charge a notary fee.

Recording Fees: Certain documents get recorded with your local county recorder. Fees vary regionally.

Pest Inspection: This is also referred to as a termite inspection. This inspection tests not only for pest infestations but also for other items such as wood rot and water damage. If repairs are required, the amount to cover those repairs can vary. The seller will usually pay for the most serious repairs, but this is a negotiable item. Usually (but not always), the pest inspection fee is paid by the seller of the home and is not normally reflected on the good faith estimate.

Home Inspection: Since it is the homebuyer’s choice to obtain a home inspection or not, this cost is not usually reflected on a good faith estimate. However, it is recommended. Keep in mind that the home inspector has a certain set of standards he uses when inspecting a home, and those standards may be higher than required by local building codes. An example is that an inspector may note there is no spark arrestor on a chimney, but the local building code may not require it. This sometimes leads to conflicts between buyer and seller.

Home Warranty: This is also an optional item and not normally included on the Good Faith Estimate. A home warranty usually covers such items as major appliances should they break down within a specific time. Often, this is paid by the seller.

Refinancing associated costs (but not charged by the new lender)

Interest: When you close the transaction on your refinance, there will most likely be some outstanding interest due on the old loan. For example, if you close on August 20th (and you made your last payment), you will have twenty days of interest due on the old loan and ten days of prepaid interest on the new loan. Your first payment on the new loan would not be until October 1st since you have already paid all of August’s interest when you closed the refinance transaction (since interest is paid in arrears, a September payment would have paid August’s interest, which has already been paid in closing).

Reconveyance Fee: This fee is charged by your existing lender when they “reconvey” their collateral interest in your property back to you through the recording of a reconveyance.

Demand Fee: Your existing lender may charge a fee for calculating payoff figures.

Sub-Escrow Fee: Though it sounds like an escrow fee, this fee is actually charged by the title company. Assume it is an income-generating fee similar to some of the lender fees mentioned above.

Loan Tie-in Fee: Though it sounds like a lender fee, this cost is actually charged by the Escrow Company.

Homeowner’s Association Transfer Fee: If you are buying a condominium or a home with a Homeowner’s Association, the association often charges a fee to transfer all of their ownership documents to you.

Asking the Seller to Pay Closing Costs: Rules and Advice.

It has become common to ask the seller to pay some or all of the closing costs when you purchase a home. Essentially, this is financing your closing costs since you will probably pay a little bit more for the property than you would if you were paying your own costs.

Keep in mind a few simple rules. On conventional loans, you can only ask the seller to pay non-recurring costs, not prepaid fees or items to be paid in advance. If you are putting ten percent down or more, the most the seller can contribute is six percent of the purchase price. If you are putting less down, the most the seller can contribute is three percent.

On VA loans, you can ask the seller to pay everything. This is called a “VA No-No," meaning the buyer is making no down payment and paying no closing costs.

On FHA loans, the seller can pay almost any cost, but the buyer has to have a minimum three percent investment in the home or closing costs.

Most refinances include the closing costs and prepaids in the new loan amount, requiring little or no out-of-pocket expenses to close the deal.

If you didn’t get bored as you read through this, now you know almost everything about closing costs.

THE NO-COST THIRTY YEAR FIXED RATE MORTGAGE

Fri, 22 Mar 2024 11:01:42 GMT

THE NO-COST THIRTY YEAR FIXED RATE MORTGAGE

There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees, and so on, depending on whether the loan is a purchase or a refinance. The term “no cost” actually means that your lender is paying the costs of the loan. All a no-cost loan means is that there is no cost to you, the borrower.

Except that you pay a higher interest rate.

Understand how loans are priced.

A variation of the no-cost loan is the “no points” loan, or even the “no points, no lender fees” loan. On these loans, you pay all the costs associated with buying a house or refinancing, but you do not have to pay the lender's associated fees or points. However, since lenders and loan officers do not do anything for free, the profit has to come from somewhere.

So, where does it come from?

First, you have to understand how loans are priced and how mortgage lenders and loan officers earn income. Each morning, mortgage companies create rate sheets for loan officers. The rates usually change slightly from day to day. In volatile markets, they change several times a day. On the rate sheet, there are many different programs, including the thirty-year fixed rate.

There will be one column that lists several different interest rates and another column that lists the cost of that particular rate. For example:

Rate Cost (points)

6.250% 2.000

6.375% 1.500

6.500% 1.000

6.625% 0.500

6.750% 0.000

6.875% (0.500)

7.000% (1.000)

7.125% (1.500)

7.250% (2.000)

In the above example, 6.75% has a “par” price, which means it has a zero cost. The lower the rate, the higher the cost or points. A point is equal to one percent of the loan amount. The parentheses in the cost column for the higher interest rates indicate a negative number. For example, (1.500) equals -1.500, which means instead of having a cost associated with the loan, the lender is willing to pay out money for those interest rates. This is called premium or rebate pricing.

ZERO COST LOANS

How Mortgage Companies and Loan Officers Make Money

The above rate sheet is not a rate sheet designed for public review. In fact, most lenders have a policy that the public cannot see their internal rate sheet. This rate sheet is designed for loan officers, and the cost column is the loan officer’s cost, not the cost to the borrower. When the loan officer gives you an interest rate quote, he will add on a certain amount, usually one to one and a half points. Most companies leave it up to the loan officer’s discretion how much to add on to the base cost. However, they usually require at least a minimum add-on, which is usually one point.

The loan officer’s commission depends on his split with the company, which varies. He receives a portion of the add-on, and the rest goes to the company.

If we assume the loan officer is adding on one point and you were willing to pay one point for your loan, then your rate would be (according to this rate sheet) 6.75%. You would pay one percentage point and receive an interest rate of six and three-quarters. If you wanted a lower rate and were willing to pay two points, you could get 6.5%. If you wanted a “no points” loan, then your rate would be 7%. The loan officer and the mortgage company would split the one-point rebate, listed as (1.000) on the rate sheet.

See how it works?

In addition to the cost noted on the rate sheet above, lenders have certain other fees they collect, too. These can include document fees, processing fees, underwriting fees, warehouse fees, flood certification fees, wire transfer fees, tax service fees, and so on. Usually, you will not be charged all of these fees; it is just that different lenders call them different things. Some of them are legitimate costs to the lender, and some of them are simply fees designed to generate additional income for the mortgage company. They are customary in today’s mortgage market and can vary from around $600 to $1,300. In addition, there will usually be an appraisal fee and a credit report fee. Appraisals and credit reports are usually contracted out to independent companies, even though these are considered to be lender fees.

Note that it is common for companies that charge higher fees to have a slightly lower interest rate, and companies that charge lower fees will usually have a slightly higher interest rate. So if you shop entirely based on fees, you may actually spend more money in the long run because your interest rate may be higher.

The point is that if you want a “no points, no lender fees” loan, then on our rate sheet above, you may get an interest rate of 7.125%. That is because the loan officer has to bump the interest rate even further than on a “no points” loan in order to cover his own company’s fees.

If you want a “no-cost” loan, then the loan officer has to bump your interest rate even further. That is because all of the costs of your purchase or refinance do not come from the lender. The escrow or settlement company involved in your transaction will charge a fee that must be paid. The lender will require title insurance, and the title insurance company charges a fee for providing this insurance. If your new lender requires information from your homeowner’s association (if you have one), then the homeowner’s association will most likely charge a fee for providing those documents. If you are refinancing, your current lender will usually charge at least two fees: a demand fee and a reconveyance fee. The demand fee is charged simply for providing payoff information. The reconveyance fee is charged because your current lender prepares a document that releases your property as collateral for their outstanding loan. This document is called a reconveyance.

These charges will add about one additional point to how much the loan officer must collect in premium pricing in order to cover the costs associated with your refinance or purchase. For a zero-cost loan, he will normally need to collect somewhere in the neighborhood of two and a half points. Because points are a percentage of your loan amount and most of the costs are fixed, it takes fewer points to provide zero costs on higher loan amounts. On smaller loan amounts, it takes more. One percent of $200,000 is $2,000 and one percent of $100,000 is only $1,000, so you can see how it is easier to cover costs on larger loans.

DOES IT MAKE SENSE TO DO A ZERO-COST LOAN?

On a $200,000 30-year fixed-rate loan, the difference in monthly mortgage payments will be about $87, using the example rate sheet on the first page. Over thirty years, it turns out that you will pay more than $30,000 extra for a zero-cost loan. So if you intend to remain at home for a long period of time, it just doesn’t make sense.

Suppose you intend to stay for only five years. On a purchase, using the $200,000 example, if you stayed longer than fifty-five months, it would make more sense to pay your own costs and get the lower interest rate. If you kept the loan for a shorter time, then it makes more sense to pay zero costs and get a higher interest rate.

Except for one thing.

If you knew you were only going to be staying in the home for five years, you would probably not want a 30-year fixed rate anyway. You would get a loan that has a fixed payment for the first five years, then convert to an adjustable rate or whatever the fixed rate is five years from now. These loans have an interest rate almost a half percent lower than thirty-year fixed-rate loans. Since it is practically impossible to do a zero-cost loan on this type of loan, you would have to compare a zero-cost, thirty-year fixed-rate loan to paying points on a loan with a fixed payment for five years.

The difference in payments would be about $150. The two and a half-point rebate equals $5,000. Working out the math, if you stayed in the home longer than thirty-three months, it would make more sense to pay the points and get the loan with the five-year fixed rate.

Finally, take the discussion one step further. Suppose you know you are going to be on the new loan for less than three years. Doesn’t it make sense to get a “zero-cost” loan then?

No.

Then you get an adjustable-rate loan. As long as the start rate is two percent lower than the current fixed rate, you cannot lose. In the first year, you will save a lot of money. The second year, you will probably break even. In the third year, you will probably give up some of the savings from the first year, but not all of them.

Zero-cost loans just don’t make sense for most homebuyers.

But they sound really good in an advertisement!

EXCEPTIONS:

On a FHA Streamline Refinance Without an Appraisal (not a purchase, which is what the article talks about), it makes sense to do a zero-cost loan. This is mostly because the new loan has to be exactly the same amount as the existing balance of the current loan.
If the homebuyer only has enough money for a down payment and none to cover closing costs, plus no arrangement can be made for the seller to pay closing costs, then zero cost may make sense. (However, I would still recommend negotiating terms with the seller; be willing to pay a higher price in exchange for the seller paying your costs.)

THE FUNCTIONS OF AN ESCROW

Fri, 22 Mar 2024 10:48:20 GMT

THE FUNCTIONS OF AN ESCROW

Buying or selling a home (or other piece of real property) usually involves the transfer of large sums of money. It is imperative that the transfer of these funds and related documents from one party to another be handled in a neutral, secure and knowledgeable manner. For the protection of buyer, seller and lender, the escrow process was developed.

As a buyer or seller, you want to be certain all conditions of sale have been met before property and money change hands. The technical definition of an escrow is a transaction where one party engaged in the sale, transfer or lease of real or personal property with another person delivers a written instrument, money or other items of value to a neutral third person, called an escrow agent or escrow holder. This third person holds the money or items for disbursement upon the happening of a specified event or the performance of a specified condition.

Simply stated, the escrow holder impartially carries out the written instructions given by the principals. This includes receiving funds and documents necessary to comply with those instructions, completing or obtaining required forms and handling final delivery of all items to the proper parties upon the successful completion of the escrow.

The escrow must be provided with the necessary information to close the transaction. This may include loan documents, tax statements, fire and other insurance policies, title insurance policies, terms of sale and any seller-assisted financing, and requests for payment for various services to be paid out of escrow funds.

If the transaction is dependent on arranging new financing, it is the buyer’s or the buyer’s agent’s responsibility to make the necessary arrangements. Documentation of the new loan agreement must be in the hands of the escrow holder before the transfer of property can take place. A real estate agent can help identify appropriate lending institutions.

When all the instructions in the escrow have been carried out, the closing can take place. At this time, all outstanding funds are collected and fees- such as title insurance premiums, real estate commissions, termite inspection charges- are paid. Title to the property is then transferred under the terms of the escrow instructions and appropriate title insurance is issued.

Payment of funds at the close of escrow should be in the form acceptable to the escrow, since out-of-town and personal checks can cause days of delay in processing the transaction.

The following items represent a typical list of what an escrow holder does and does not do:

THE ESCROW HOLDER:

serves as the neutral “stakeholder” and the communications link to all parties in the transaction;
prepares escrow instructions;
requests a preliminary title search to determine the present condition of title to the property;
requests a beneficiary’s statement if debt or obligation is to be taken over by the buyer;
complies with lender’s requirements, specified in the escrow agreement;
receives purchase funds from the buyer;
prepares or secures the deed or other documents related to escrow;
prorates taxes, interest, insurance and rents according to instructions;
secures releases of all contingencies or other conditions as imposed on any particular escrow;
records deeds and any other documents as instructed;
requests issuance of the title insurance policy;
closes escrow when all the instructions of buyer and seller have been carried out;
disburses funds as authorized by instructions, including charges for title insurance, recording fees, real estate commissions and loan payoffs;
prepares final statements for the parties accounting for the disposition of all funds deposited in escrow (these are useful in the preparation of tax returns).

THE ESCROW HOLDER DOES NOT:

offer legal advice;
negotiate the transaction;
offer investment advice.

Your local title company should be happy to provide additional information.

Article by CLTA

KNOW WHY YOU ARE SELLING

Fri, 22 Mar 2024 10:39:37 GMT

KNOW WHY YOU ARE SELLING

If you know exactly why you are selling then it is easier for you to follow the right plan of action for getting what you want.

If you are a seller who needs to close a sale as quickly as possible, then you should know that getting the highest price possible is not one of your priorities. It does not mean that you won’t or cannot get the highest price, but it means that the price is not the deciding factor. A buyer who can give you a quick closing time will appeal much more to you than a buyer who can offer you more money but the negotiation and closing time drag on.

It’s always good to know how low you will go in terms of selling price. This will help to eliminate some of the offers that you find simply offensive or ridiculous. Even though you should consider all offers seriously and take into consideration the terms of each offer, sometimes, if you know the bottom line and are strict about it, you can save yourself time.

Once you know what your limits and reasons are, discuss them with your agent so that they can help you set your goals realistically. If you decide to list your home on your own, make sure you do research on the current market, and you get the proper advice you need in terms of legal issues, etc. The key is to be realistic and to know what your goals are so they can be met.

FIND YOUR DREAM HOME IN DEWITT, MICHIGAN

Fri, 22 Mar 2024 10:37:16 GMT

FIND YOUR DREAM HOME IN DEWITT, MICHIGAN

There are so many different kinds of homes out there for families to choose from. Do I want to live in Dewitt? Or maybe you want to find a home in Dewitt. How many bedrooms and bathrooms do you need? Do you need a large back yard? A small backyard? Do I even need, or want, a yard at all? Don’t even get me started on the front yard and curb appeal. Hardwood floors, tile, carpet. There are so many things to consider when looking for your dream home. How, then, do you find the right home for you?

The answer is to put me to work for you. That is what I do for my clients. Completing my basic Dream Home Finder I can immediately go to work for you. Of course you can take advantage of my Quick Search and my Advanced Search tools to surf through all the homes for sale in Dewitt, Michigan or the surrounding areas. By completing the Dream Home Finder, I can use additional resources at my disposal to locate homes for sale that may not be available in the public view. In addition you are a busy individual and my passion is to work for you to find that dream home and schedule tours for you. By working together as a team with your dreams and my resources, finding that dream home is only one tour away. It is my passion to find you that one right tour.

ENVIRONMENTAL ISSUES

Fri, 22 Mar 2024 10:34:36 GMT

ENVIRONMENTAL ISSUES

When purchasing a piece of property, it is important to be aware of any environmental liabilities associated with it. For example, you should find out if there are any registered underground tanks within several miles of the property, known contaminated properties in the neighborhood, or property owners who have been fined by the government for failing to meet environmental safety standards.

Before, it took a costly site investigation to acquire this type of information, but now there are online environmental databases available at a fraction of the cost. Anyone can access reports on otherwise hard to detect environmental issues. With these databases, it is possible to obtain a list of hazards near a property, or spills and violations attributed to businesses nearby.

Some reputable databases include VISTA Information Systems, located in San Diego, California, which allows you to register and search the data bank for free, and E Data Resources, which is located in Southport, Connecticut. These services are all relatively inexpensive, but can provide you with priceless information that is useful before you make a purchase.

HOW MUCH IS MY HOME WORTH IN DEWITT, MICHIGAN

Fri, 22 Mar 2024 10:29:41 GMT

HOW MUCH IS MY HOME WORTH IN DEWITT, MICHIGAN

How Much is your home worth in Dewitt, Michigan? If you are planning on selling your home, that is a question you need answered. As your Local Dewitt Real Estate Expert, I can help you to learn the answer to that question. I will personally do the research on your behalf and provide you with a detailed Free Market Analysis. Please feel free to take a few moments to complete the basic information below and I will go straight to work for you. Or, if you prefer, please feel free to give me a call directly at 517.420.5730 .

INTERVIEW ON THE MORNING BLEND ON FOX 47

Fri, 22 Mar 2024 10:23:44 GMT

INTERVIEW ON THE MORNING BLEND ON FOX 47

https://www.fox47news.com/entertainment/shows/the-morning-blend/inspired-home-real-estate-staging-112318

INTERVIEW WITH SARA VERA ON THE MORNING BLEND

Fri, 22 Mar 2024 10:20:43 GMT

INTERVIEW WITH SARA VERA ON THE MORNING BLEND

http://www.fox47news.com/entertainment/shows/the-morning-blend/inspired-home-real-estate-staging-2-12-19

HEADED TO RESACON

Fri, 22 Mar 2024 10:13:43 GMT

HEADED TO RESACON

I am excited to be on my way this week to RESAcon in Las Vegas!

RESACON is where real estate staging professionals come together to influence and inspire each other.

The education and networking will last a lifetime and helps me become more knowledgeable and prepared to assist my clients with new information, trends and tools of the trade!

I enjoy learning more ways I can continue helping others doing something I love!