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Bill Gassett

Google Plus For Real Estate

Google Plus Real Estate Articles













What better place to find a wealth of useful Real Estate articles than on Google+. On Google+ you’ll find some of the best Real Estate professionals located in states nationwide. What do you do when you come across a Real Estate article that really stands out? In other words, the headline grabs you, or its on a topic that you’ve been dying to learn more about or what about those eye popping images? You’ll likely head back again and again to the spot where you’ve found these type of articles; welcome to Google+ where these amazing articles are found.You’ll also find one of the best Real Estate Communities is also on Google+ so be sure to check it out too.

Bill Gassett has been publishing monthly lists highlighting some of the best articles each month and he asked for my help in gathering up the list to feature here. You’ll discover modern, non-boring Real Estate articles below that you’ll be able to sink your teeth into to discover some great finds. Read them now, or bookmark, or pin for reading later. And be sure to share them and not hoard them all to yourselves!

Our first article highlighted is: Top Five Mistakes When Selling Your Home.

There are certain situations during the home selling experience that can and should be avoided at all costs. Here, Andrew Fortune goes over 5 mistakes to avoid when selling your home.

He touches on how pricing your home wrong can be downright scary to a Buyer; you’ll see a Buyer’s reaction to an overpriced home too! In addition, Andrew’s article goes over what can happen when you hire the wrong Real Estate Agent. This can have very adverse consequences and you’ll be advised on how to avoid this experience.

Keep on reading here to discover the entire article: “Top five mistakes when selling a home

A compilation of great Real Estate articles wouldn’t be complete without including one from Bill Gassett. Here Bill’s article is: What Appraisers Look At During A Real Estate Appraisal.

A Real Estate Appraisal is a simple part of the home selling and home buying process. Being in the know when it comes to appraisals can get you on the path that leads to a successful Real Estate closing. Here Bill tells you what you can do to make the most of your home’s appraisal, what will affect an appraisal and how to prepare for an appraisal from the inside to outside. He also covers how a Appraiser calculates your home’s value, appraisal myths, what happens when you need to challenge a low appraisal and a whole lot more.

Keep on reading here to discover the entire article: “How to challenge a low real estate appraisal”. As Realtors being involved in a low appraisal is never fun because we are usually in the middle trying to solve a problem one way or the other for one of our clients.

This next featured article by Seth Williams is pretty cool as it talks about cool inventions to be used in Real Estate. This article is: 20 Cool New Inventions for the Modern Day Real Estate Investor.

Who doesn’t like cool inventions? Especially when it can make our jobs and lives easier! This is an incredible list and you’ll be happy to now you can get these inventions now, as their not only available to George Jetson. You remember, George Jetson, right … from The Jetsons of futuristic 2062. If you’re scratching your head wondering, probably you’re too young as it ran in prime time series between 1962-1963 and then new episodes ran from 1984-1987. You can still see re-runs today. Anyhow, look at the list for George Jetson-like inventions!

Here Seth talks about the crazy looking Ball Chair, the under desk hammock that I have got to get, or how about an IPhone Stun gun case? These are just a few of the really cool items you’ll discover in Seth’s list.
Keep on reading here to discover the entire article: “ Inventions for the Modern Day Real Estate Investor”. The article is a fun way to look at the real estate business.

Top Google+ Real Estate ArticlesIn this last article, I talk about sweeping a Buyer off their feet, you’ll find sure-fire ways to sweep a Buyer off their feet to get a home sold. This answers the frequently asked Real Estate question of “How to attract Buyers when selling your home”. This article is: How can we Sweep a Buyer off their Feet?

Told in not a typical manner but rather in the form of a story; the story of Olivia and Jacob selling their home. Topics will be discussed that include; pricing a home right, how to make a home pop with excitement to blasting the home across the internet and more! You’ll hear how you can sell a home within 9 days.

Keep on reading here to discover the entire article: “How can we sweep our real estate clients off their feet“. As real estate agents we should always be looking to go above and beyond for our clients. The article shares how this can be done fairly easily!

The next article is by Kyle Hiscock who brings to the table his article My home expired, Why and now what should I do. Kyle explains why some homeowners are not successful selling their homes and what can be done to correct the mistakes they have made. The vast majority of sellers who run into home sale failure have a few common denominators which are pricing their home incorrectly and believing that all real estate agents do the same things to sell homes.   For some reason many who are selling their home believe that all Realtors are alike. This lesson is often times learned the hard way when the owner is unsuccessful and have to turn to someone who is a real pro.

In this next article, the dreaded low ball offer that we see all too frequently is discussed.  Here Debbie Drummond’s article is about Low Ball Offers in Real Estate – Do They Ever Work? From what should Buyers do in their low ball offer they present to how should Sellers respond to a Buyer’s low ball offer, Debbie provides solid advice enabling you to put your emotions aside to get the ultimate scenario you desire.

You’ll find that quite often low ball offers can be avoided simply by pricing a home right at the onset, which would discourage the need by Buyers to present a low ball offer as the home being sold is seen as being priced fairly.  By no means, will this always do the trick as some just like to try and get something for nothing. It’s how it’s handled that can make all the difference as Debbie points out.

Continue your reading here to Debbie’s complete article: Low Ball Offers in Real Estate sales – Do they work?

In the last article to round out the lot here is Seth Price’s article on 7 Keys to Local SEO for Real Estate Marketing. If you’re able to grasp SEO for your local Real Estate business, you’ll be reaching your target audience. Seth provides incredible recommendations to do just that.
Seth offers up tips on how to do it, provides examples of who’s doing it, how to create headlines and that incredible content to attract an audience.

Seth also reminds us about good, quality reviews. Customer reviews are powerful and likely can draw in many a new customer when you’ve proven to be great at what you do, selling homes. There’s so much more to learn in this article by Seth.

Keep on reading here to discover the entire article: “7 Keys to Local SEO Real Estate Marketing”. If you are a real estate agent or anyone who runs a small business for that matter, this is a great article to take your online visibility to another level.

Previous Google Plus Real Estate Reviews

Lynn PinedaThe following Google Plus real estate review was written by Lynn Pineda, a licensed Southeast Florida Real Estate agent for 9 years currently at Keller Williams Coral Springs Realty.



Home Sellers Should Expect More From RealtorsAfter 27 years of selling real estate, I’ve come to notice the gap in professionalism in the real estate industry. I see agents who are doing a stellar job, rising above and beyond in their efforts to bring their clients the very best in the industry. I also see agents who do the bare minimum required to sell a home. The sad truth is that many unsuspecting home sellers don’t know the difference.

I’ve written extensively on the issues surrounding the sale of your home, and have taken a strong stand on the need for an experienced, capable real estate agent to market your home. I know there are some other excellent Realtors who feel exactly as I do so I’ve asked my social media friend and fellow real estate blogger, Karen Highland, of The Highland Group – Frederick Maryland, to share her thoughts on what sellers can and should expect from a real estate agent if they desire excellence in service and marketing.

Karen and Chris Highland have been helping buyers and sellers for 22 years, and feel passionately about offering the very best in real estate marketing and services to their clients in central Maryland. All you need to do is check out their real estate marketing videos and photography to know they practice what they preach! Along with leading their team, Chris is the residential sales manager at his brokerage and mentors newer agents. Karen trains and coaches in internet marketing, and writes for their blog, Frederick Real Estate Online. Chris and Karen always have something to say, and fortunately for me, they have agreed to share some of their passion with us. Take it away guys!

Are You Settling for Less from Your Real Estate Agent?

“Bill Gassett has been so gracious to ask me to lend my insights through a guest post on his real estate blog. This post is my version of what I know his readers have often heard from him: Home Sellers: You Can, And Should Expect More from your real estate agent!

It’s time to expect more from a listing agent. The process of buying and selling homes has only gotten more complicated in the recent decade. With the increase in disclosures and legally necessary paperwork, and the added tasks of internet marketing, to the increase in complexity in the process, the bar has been raised a number of times. Is your listing agent up to the task? There is one simple question to ask yourself as you choose a real estate agent to market your home:

Is the Realtor Able to Handle the Complexities of Today’s Real Estate Sale?

I remember when the pages in a contract to purchase a home could be counted on both hands. Yes, I’m certainly dating myself! The last contract I had in both hands was far heavier and had upward of 60 pages, with all the disclosures and addendum’s. To say that the process has become complex is an understatement.

Technical Complexities

Today’s Realtor has to be more than just proficient in the process and the language of the contract; they need to be replete with experience and technical expertise. They need to have a holistic view of where we are in the local real estate market, and where we’ve come from. They need to have a view of other aspects of the real estate industry in the same way…what is happening and why. As we have seen changes in the industry, our understanding of the issues has deepened. Having that background knowledge is an invaluable for a real estate agent.

An example of depth of knowledge:

Realtor Does Not Know Short SalesWe recently got a call from a homeowner who, with his wife, has been looking for a home for two years and were emotionally exhausted from their efforts with two different real estate agents. They put an offer on a short sale and waited 9 months to find out that their offer was not accepted. We were astonished to hear their story because that should have never happened. If their agent had known anything about short sales, they would have known that a bank would never approve an offer with a house to sell contingency.

Some observations:

• An agent may not want to specialize in short sales and go through the training and hard work of learning the process, but they still need to have a basic understanding of the issues surrounding a short sale. If they represent a buyer in a purchase, they are not doing them any favors by not having a depth of knowledge about all the aspects of real estate.

• As with short sales, there are many changes in the real estate industry that have impacted the way we buy and sell. A real estate agent need not specialize in everything, but they need to have a holistic understanding to help buyers and sellers with whatever they may possibly encounter.

• On the flip side, just because an agent specializes, doesn’t mean that they don’t need to know enough about all other aspects to help their clients.

You should expect your listing agent to have that experience and know-how, or at least have resources to draw upon for it.

Transaction Complexities

After vetting the best offer, there are many moving parts to the sale of a home. The success of the transaction depends largely on the skill of the listing agent to negotiate, handle inspections, follow-up, and see the deal through to the closing. Many sellers are quick to realize that the listing agent really earns their pay during the time from contract to close. This is the time when experience and local know-how are most valuable.

What does all this mean to you as a seller? You should expect your listing agent to have that experience and know-how.

An example of depth of knowledge:

Our single-family listing in a desired neighborhood sold in 3 days with 2 offers. At the home inspection, a crack in the foundation brought up a concern. Our seller had purchased the home 10 years earlier as a new home, and in the first year, the settling of the home resulted in a crack. The builder sent an engineer to study the crack and determined it was not of consequence.

The buyers, however, in a state of panic, asked for a $5,000 repair in the home inspection response, at the encouragement of their (inexperienced) agent. We brought in an engineer for a small fee and he gave us his opinion that the crack was still just the result of the initial settling, and was still of no consequence. With his expert opinion, we were able to calm down the entire situation. We all settled happily.
My thoughts on this experience are:

• We’ve seen dozens of, maybe more, foundation cracks. There are inconsequential cracks that result from the home settling, and there are serious cracks that warrant foundation work. Every crack, or every problem, should not elicit panic from the agent. When real estate agents encourage panic-driven actions at the first sign of any problem, it never helps the situation. It actually minimizes truly serious problems that sometimes occur, by turning every problem into something serious. An experienced negotiator will approach problems with an appropriate solution, not with drama. Every real estate agent should have a basic understanding of major home inspection issues so when they surface they are better equipped to handle the negotiations. This is what our clients expect from us. Our purpose isn’t to collect offers and wait to pass go like Monopoly!

• Approaching problems with a “scorched earth” policy blows them out of proportion, and makes their resolution that much more difficult. To address a problem with the request of an expert opinion is usually much better than asking for an exorbitant dollar amount for a fix… a fix to something that is not yet even clearly defined. An experienced negotiator will move toward further understanding and clarity, resulting in real workable solutions. The problems become hurdles rather than road blocks.

• Creating drama, panic, or adversarial conditions does NOT equal the duty to advocate for your client. An experienced and professional agent will not create drama. Rather, they will look for clarity and solutions.

Complexities in Lending

Karen Highland Real Estate AgentIn recent years, we’ve seen upheaval in the financing industry. Getting a mortgage is often a process that takes planning and strategy, as there are many types of loan products and more scrutiny involved.

What does all this mean to you as a seller? A listing agent does much more than market a home. They vet offers, and in that process, they must have an in-depth knowledge of all of the possibilities that each offer presents. This includes the credibility of the buyer’s financing, the potential of all contingencies presented, and the ramifications of inspections and their outcomes. The nuances of a transaction can be many. You should expect your listing agent to have that experience and know-how.

An example of depth of knowledge:

Our seller’s received two offers on their home. One of the buyers was using a loan program which had a down-payment matching feature for county workers. After a quick perusal of the pre-approval letter, Chris remembered that the program was for county workers, but not for school teachers, like this particular buyer. Without the matching funds, they were not able to come up with the down-payment. The lender should have known, but we didn’t know that lender, and we know better than to assume. We encouraged our sellers to accept the other offer, resulting in a successful settlement, without the wasted time and heartache of watching the first contract fall through.

There are many moving parts to a real estate transaction. The nuances of all of these parts are learned over years of real estate sales. The industry changes have meaning to the way a listing agent guides their sellers through the transaction to the best settlement possible. Make sure you choose an agent with a depth of experience.

How Do You Know?

Home sellers, you can and should expect more. When you are considering a listing agent, ask them to tell you their stories. Listen for depth of understanding, even if you don’t understand all of the issues yourself. After all, you should expect the very best when you are selling your home, probably your biggest financial investment.These are just a few quick examples – there are many more!

Choosing a great real estate agent is not about picking the one that gives you an unrealistic market value or that whispers in your ear they will have your home sold in 5 days because they are #1 at everything they do. Pick an agent that has your interests at heart and the knowledge behind them to represent your interests every step of the way throughout the transaction.

This is the kind of real estate agent you will be smiling at across the closing table!


Navigating the Alphabet Soup of Mortgage Lending

Mortgage Loan Programs








Many home buyers are overwhelmed by the alphabet soup they encounter when shopping for the right mortgage. Lenders throw out acronyms like FHA, conventional, VA and USDA, but most consumers don’t know the ins and outs of each loan type, or which one is best for them. Knowing about these home loan programs gets buyers better rates and lower payments!

It is not necessary however to know every detail of every loan type. You just need to know enough to choose the best long-term option for your situation. Here’s a short run-down below on each mortgage loan program to help you do just that. You can also find a ton of information on every question you may have regarding mortgage loans by following the link to this excellent resource. There is an amazing amount of mortgage information to absorb.

FHA Loans. These loans are named as such because the Federal Housing Administration oversees and backs them. This government backing allows lenders to issue loans at less stringent qualification standards.

For example, FHA loans only require 3.5% down, much less than the 5% to 20% down required for conventional loans. And, that entire amount can come for an eligible gift source, such as a family member or non-profit organization.

Also, lenders allow a lower minimum credit score to qualify, usually between 600 and 640. Borrowers with lower income qualify easier, since FHA allows borrowers to have a higher payment compared to their income.

As a trade-off for lenient guidelines, FHA loans do come with higher fees. Monthly mortgage insurance fees are $112 per month for every $100,000 borrowed, payable for the life of the loan. In addition, there’s an upfront fee of 1.75% of the loan amount.

The good news is that FHA loan rates are typically about one-half percent lower than are available for standard loans. This compensates for at least some of the extra fees. All told, FHA is a great program for many first time and repeat buyers.
Bottom Line:

FHA loans are great for home buyers with

• Dings on their credit report.
• Less money saved for a down payment.
• Higher home payment compared to income.

USDA Loans. This is a little-know loan program with big benefits. The USDA home loan is a zero-down loan program for buyers in rural and suburban areas. The loan is backed by the United States Department of Agriculture, whose goal it is to develop less urban areas by offering affordable mortgages.

The USDA loan helps buyers who are looking for homes in certain geographical areas. These loans are not farm loans or loans with big properties. The USDA loan is available to purchase just about any single-family home within certain geographical areas.

USDA-eligible areas are vast, encompassing about 97% of U.S. land mass and the 109 million people who live there. It’s worth checking USDA’s eligibility map to see if you can buy with a USDA home loan, even if you think your area is fairly suburban.

Upfront and monthly fees for USDA loans are lower than those of FHA loans. And USDA rates are comparable with FHA rates. Most borrowers end up with lower upfront and monthly costs by choosing USDA over FHA.

Bottom line:

USDA loans are a great choice because

• There’s no down payment required.
• Borrowers with a credit score of 620 and below can qualify.
• Most mortgage companies and banks across the country offer USDA loans.
• USDA loans require lower overall costs than FHA.

VA Loans. This mortgage takes the cake as far as benefits to the borrower. A VA home loan requires zero down and no monthly mortgage insurance. VA loan rates are extremely low. Many VA home buyers pay less each month for their own home than they did to rent.

All these benefits are provided by the Veterans Administration. The VA backs these loans which leads to lower risk for the lender, and lower cost for the borrower.

VA home loans are offered to those with current or former military service. Typically veterans must have served at least 90 days in the military, or up to two years, depending on their dates of service. For eligible veterans, the VA home loan yields a lower payment than any other low-down payment option.

Bottom line:

Borrowers with military experience enjoy

• Credit scores minimums down to 620
• No mortgage insurance
• Zero down payment
• Lower monthly payments compared to other low down payment loan options.

Conventional Loans. While no acronyms are required for conventional loans, they are worth including in this overview since they represent 60% of all loans. These loans are approved based on guidelines set by Fannie Mae and Freddie Mac.

Credit and income requirements are little tougher on conventional loans, but borrowers who qualify enjoy lower overall costs. There are no upfront fees and mortgage insurance costs are often hundreds of dollars per month lower than with FHA. No mortgage insurance is required at all with a 20% down payment.

Conventional loans are best for applicants with 660+ credit scores although those with 720 or higher will get the best rates. A conventional loan can be approved with a sub-660 credit score, but borrowers will receive a higher rate.

Bottom Line:

Conventional loans work best for home buyers

• With a medium-to-high credit score (660-740+).
• With at least 5% down.
• Who want to buy in an urban area
• Who want to avoid high FHA upfront and monthly fees.

Shopping for a mortgage can be overwhelming, but it doesn’t have to be. If you know just a little about the different home finance options you will relieve a lot of stress and make the best decision. Make sure when you are ready to buy a home you get pre-approved for a mortgage. It is important to understand there is a difference between getting pre-approved and pre-qualified for a mortgage. Any good real estate agent representing a homeowner will want to know a buyer has been pre-approved to protect their clients interests. Most pre-qualification letters do not verify a borrowers credit, employment or income. This is not the case with a pre-approval making the two documents night and day from one another.

And don’t think it’s the end of the world if you’re not quite qualified for your ideal loan option. The important thing is that you meet your goal of home ownership. Most buyers refinance into a better loan within a few years anyway. Get into your home, and the rest will fall in place at the right time. Hopefully you now have a better understanding of all the mortgage loan programs available when purchasing a home!

Tim LucasTim Lucas (NMLS 118763) is editor of He has been helping mortgage consumers purchase and refinance their homes for over 12 years. Visit Tim on Google+, Twitter, and Facebook.


Protect Your Home From Storms








Severe summer weather, such as hail, thunder, and heavy rain, can result in a great deal of damage to your home and other property. There are many steps that homeowners can take to protect themselves from the flooding and power outages that can result from severe weather events, so prepare ahead of time so that you’re not caught off guard. In this article, we’ll be looking at some of the most effective actions you can take to safeguard your home and property from dangerous and destructive summer storms.

Steps to Take Before a Storm

Typically you will receive warning at least a few days before a major storm arrives. This window of time gives you a chance to make the necessary preparations. Keep in mind that weather forecasts are never perfect; it’s better to prepare for a storm that never arrives, or that turns out to be weaker than anticipated, than not to be ready at all. Keep reading to learn a few things you can do when a major storm is ahead in the forecast.

• Thoroughly inspect your home and make sure you have done everything you can to secure it. This includes the items in your backyard and on your porch as well as indoors. Bring items such as trash cans, toys, lawn or patio furniture or any lightweight items that could become airborne indoors so they cannot blow away or become projectiles. If you have a swimming pool, make sure it’s securely covered.

• If you don’t have storm shutters on your windows, installing these can be an added layer of protection for your home. Another option is to upgrade your windows to a shatterproof material. These steps will help insulate your home during cold weather and protect it during storm season.

• If you have trees with loose branches, this is a good time to give them a trimming. You should also inspect your roof and make sure all of the shingles are secure. Your drains and gutters should be clear so they are able to do their job if there’s a heavy downpour.

• It’s always sensible to stock up on essentials when a severe storm is headed your way. This includes canned food, bottled water and toiletries. It never hurts to have extra supplies in your home even if you end up not needing them right away.

Dealing with Power Outages

Power outages are common during storms. This is something you should be prepared for. One of the best ways to be ready for a power outage is to have a backup generator. You can choose one that is sized appropriately for your needs. This can ensure that your home’s pumps, heating systems and any security systems keep working. A generator can prevent many problems associated with storms, such as flooding and food spoilage.

Whether you have a backup generator or not, you should also have some low tech solutions available in case of a power outage. This includes several heavy duty flashlights with plenty of batteries. Candles are also useful for keeping your home lit when the lights go out.

Preventing Floods

One of the most potentially destructive aspects of severe storms is the flooding they can cause. In terms of threats to both property and your family’s safety, floods are a top concern. Read on to find out a few ways you can protect your home from dangerous and costly water damage.

• Make sure that your gutters divert rain away from your home. If necessary, extend your rain gutters. Gutter should be free of debris. The slope of your yard should not cause water to enter your basement. It may be necessary to consult with a landscaper or other specialist to make adjustments in the direction surface water flows. For example, you may need to upgrade the quality of your soil.

• One of the most common causes of flooding is the failure of sump pumps and other systems in your home. As noted above, a backup generator will keep your sump pump powered and ready to remove water. The next best thing would be to get a battery-operated backup sump pump that will keep working if your main sump pump goes off due to a power outage.

• Fill in any cracks in your basement walls or foundation. Water can enter these cracks and cause flooding. You can seal cracks yourself or call a professional.

• Consider installing a home security system, geared specifically to notice if floodwater has entered your home. Many people hear “alarm” and think fire or burglar protection, but local ADT services in your area, and other flood sensor manufacturers, can install a system that will alert you if water rises even 1/16th of an inch in your home.

• Inspect your sewer or septic system. A clogged sewer or a septic tank that needs cleaning can cause a flood during a storm. Make sure to have your system inspected and maintained regularly.

Have insurance against flooding. While this won’t prevent floods, it will at least ensure that you are protected in case a flood does occur. A typical home insurance policy doesn’t cover floods, so you will probably need an additional policy for this.

Severe storms can unleash their fury any time of year, but they are especially common in spring and summer seasons. Keep track of the weather forecast in your area, and plan ahead. If you live in an area where storms are common, taking additional precautions might be necessary to ensure your home and your family are safe.

Don’t be caught by surprise. When you’re secure in the knowledge that you’ve done everything you can to prepare, you don’t have to fear Mother Nature. Protect your home by staying ahead of summer storms!

This article comes to Massachusetts real estate news via Beth Kelly who is a freelance writer based in Massachusetts.



Best Google Plus Real Estate Articles June to July 2014

July 16, 2014

              The internet makes it incredibly easy for information to be found. The problem is much of the information that is found on the internet is junk. Google Plus is one of the best places, if not the best place, to find quality real estate information! Google Plus communities, [...]

10 comments Read the full article →

What Types of Flooring Do Home Buyers Prefer?

July 9, 2014

Top Flooring Choices Examined                   If you are looking to sell your home soon (or even a few years down the road), it’s helpful to know what buyers are searching for. I work with many new home buyers, so I see what they are doing before they [...]

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Helping a Buyer Purchase a Home From a FSBO

June 26, 2014

We talk a lot about buyer’s agents and listings agents and the benefits of both but what happens if your buyer finds a home that’s not listed with an agent? This is actually not that unusual because buyers will look for homes everywhere and they don’t really care where they find the house, only that [...]

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What Makes a Real Estate Agent Military Friendly?

June 25, 2014

You may have heard the term “military friendly” used in and around the real estate industry. But what does it really mean to be considered a military friendly real estate agent? While the definition may vary from user to user, the central idea remains the same. These agents want to support military home buyers. Let’s [...]

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How To Get The Best Photos When Selling Your Home

June 20, 2014

Photography Helps Sell Real Estate If you’re like me, you probably enjoy looking at homes online. Many people browse homes on the internet for fun. My wife and I like to look online at homes for sale in Colorado Springs, deep in the quiet mountain areas where we could never live, with our current lifestyle. [...]

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Don’t Get Too Emotional When Buying a Home

June 18, 2014

Keep Emotions in Check Purchasing Real Estate Getting too emotional when buying a home can cost you big time! The last thing you want to do is create a lot of extra stress for yourself when buying in home. In order to make your purchase go smoothly we have consulted with Lolly Spindler of HouseHunt [...]

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