Ricardo Bueno's Blog

New Weblog Features...what do you think?

Ricardo Bueno (The Real Estate Tomato) — Tue, 13 Nov 2007 22:36:32 -0600

In a previous post I wrote about how Customer Relationships are all about Conversations!

A blog helps us achieve effective conversation with clients! Unlike a static website, it's a fluid site that allows us to converse literally 24/7 with clients. It's fluid and ever-changing in the sense that one day we post one article and the very next day we post something else. Whether it has to do with mortgages, real estate sales, real estate law, etc. We can update our site daily and there it sits on the world wide web for everyone to see! There's not better way to market!

In case you don't know how to blog or why to blog, you might stop by and read some of Active Rain's very own Sarah Cooper's posts:

Tell Me Again Why to Blog?

How Active Rain and Localism Lead to CONTACT

But now, on to my blog and some shameless self-promotion!

The Industry Report...

The Industry Report exemplifies steadfast commitment to service through integrity, creativity, hard work and experience.

NEW FEATURES!!!

Broker's Corner - Ask the Broker!

"As much as possible, deal only with good and honorable people. If you deal with good people, you won't need a contract, and if you are dealing with bad people, no contract can protect you."
Adam M. Aron
Chairman and CEO of Vail Resorts, Inc.

If you have a Real Estate Finance, Legal, Buying or Selling question...ask away! We're here to give you the answers!

GUEST WRITERS!!!

Some of Active Rain's very own intelligent minds...

Jason Sardi

Writing on...

The Joys of Homeownership

while pointing out a very important point! It's understood that buying a home is intended to better your financial life but...ou can't stretch yourself too thin! You need a little thing we all call RESERVES!

Ed Rybczynski from

Rybczynski Consulting, LLC

Writing...

The Cult of the Morally Deficient

As he shares his insights into the fraud that plagues our industry!

If you'd like to know a thing or two about fraud and how to look out for tell tale signs and how to avoid committing it, this is the man to tell you!

But if you want to learn more about Ed Rybczynski first, you might want to read Soundbiteblog's very own feature...a post by Mr. Rybczynski titled: "A Position of Trust."

Brian Block

Writing...

Waiting for the Bottom? Don't Bother!

A shout out to all the well qualified buyers sitting on the fence as spectators trying to time the market. And a reminder that doing might very well be an act in futility!

Bryant Tutas (a.k.a. Broker Bryant)!

Writing...

Has Your Flip Flopped?

A message to all those would be house "flippers" that the practice isn't all it's made out to be! And with 13 years of experience in Poinciana Real Estate serving both buyers and sellers, his experience and words of wisdom are not to be refuted. And though he might be in Florida, his message applies to real estate nationwide.

COMING UP NEXT...

REALTOR/LENDER INTERVIEW SERIES

So there you have it fellow rainers! My weblog and some of the new features there...what do you think?

™

Mortgage Advisor

Direct: 323.810.2175 | ricardo (at) ricardobueno (dot) com

www.ricardobueno.com | www.industry-report.com

For Mortgage Industry News | Insights | Rate Trends and much more...

Buying A Home With Your Significant Other, Before You Get Married? Watch This Video!

Ricardo Bueno (The Real Estate Tomato) — Sun, 04 Nov 2007 01:06:12 -0600

Are you a boyfriend/girlfriend, fiance/fiancee, or in a similar relationship with a significant other and First Time Home Buyers?

You have a rental lease ready to expire in December of 2007 and you decide that it's time to buy a place of your own. You're through paying someone else's mortgage and you want the tax benefit of owning your own home. I mean heck, you both have a wealthy combined income.

However, and this is not to be negative, as an unmarried couple there are a lot of financial and legal issues to be considered should the relationship end.

Unfortunately, there do exist instances where love is blind. As a non-married home buyer, it would be apt to take measures towards financial and long-term asset protection. The last thing you want is dissolution of the relationship without the same State protections awarded to you from a marital divorce.

Getting Prepared:

- Put things in writing.

- Sign a property agreement.

- Sign a cohabitation agreement.

- Buy life insurance.

- Whose name is on the deed?

Barbara Corcoran shares here insights into this issue in an excellent interview on the Today Show.

WATCH VIDEO - Barbara Corcoran on the Today Show

Disclaimer: This post is not meant to be blatantly negative. Rather, it is a reminder for those "Life Happens" moments, that Proper Planning is the best strategy.

Why People Hate Their Mortgage

Ricardo Bueno (The Real Estate Tomato) — Wed, 13 Aug 2008 04:57:20 -0500

Do you know why most people hate their mortgage?

It's because they know that over the life of that 30-year loan, they will have spent more in interest than the house cost them in the first place!

So what's a soon-to-be homeowner and an existing homeowner to do?

A bigger down payment upon purchase is always an option,

So is making additional monthly principal payments...

and then there's a 3rd option for those who subscribe to the Missed Fortune philosophy of accumulating wealth,

Invest your otherwise additional monthly payments in an interest baring account whose rate-of-return is higher than the interest paid on your mortgage. Essentially, you accumulate enough assets to pay of your mortgage in fewer than 30, even 20 years... [give me a call or send me an e-mail, I can show you the math]

Now some will argue with what I'm about to say next (in fact quite a few of you might)... Ultimately, no one way is better than the other. What's really important is, which method brings you greater piece of mind?

Best,

Mortgage Planner

p: 323.572.8322

e: rbueno (at) worldwidecredit (dot) com

Author of www.industry-report.com

Jim Cramer says, "Don't you dare buy a home now - you will lose money."

Ricardo Bueno (The Real Estate Tomato) — Fri, 28 Sep 2007 17:54:29 -0500

Cramer says: "Don't you dare buy a home now - you will lose money."

(Click on the link above to see the video!)

Hmmm...what do you make of that?

Lenn Harley has an excellent rebuttal! Read her post:

JIM CRAMER, REAL ESTATE, THE STOCK MARKET, and SOME PERSPECTIVE

Additional Article(s) of Interest:

Waiting for the Bottom? Don't Bother!

"Did you sign a Buyer's Brokerage Agreement?"

Ricardo Bueno (The Real Estate Tomato) — Wed, 11 Jun 2008 06:40:37 -0500

When you're a Real Estate Agent, you dream of having a Pre-Approved Borrower with a Buyer's Brokerage Agreement every time someone hops into that SUV. It'd be the perfect client every time!

But alas, you live in the "real world" where no one is approved for fear of running & ruining their credit report and no one wants to sign a Buyer's Brokerage Agreement; they're just not ready for that type of commitment. You know, they wanna test the water (so-to-speak) to see if there's anything out there to buy to begin with (something that's within their budget and appealing enough to call "home").

If you're a Real Estate Agent, where do you draw the line? When do you say, "no mas! I won't show you a home without a Buyer's Brokerage Agreement.

If you're the consumer, why won't you ante up? You can be honest...this blog has an "open door" policy.

READ ON

5 Elements of Your Credit Score

Ricardo Bueno (The Real Estate Tomato) — Wed, 11 Jun 2008 05:20:35 -0500

Did you know that you could increase your credit score by as much as 50 to 100 points in as little as 45 days? And here's the kicker, you can do it without using a formal credit repair service (Uh oh, now I'd on gone done it...here comes the onslought...).

So what's the big secret Ricardo? What's the catch?

No secret(s). No catch.

Most people who have credit issues are mis-informed is all. So here's a little Credit Education 101...

THE 5 ELEMENTS OF YOUR CREDIT SCORE

[Note: Click on the image to enlarge.]

Past Dues & Bankruptcies make up 35% of your credit score...

The Amount Owed on ALL Accounts (how much available credit there is) constitutes 30% of your credit score...

New Credit, New Accounts make up 10% of your credit score...

Credit History makes up 15% of your credit score... And,

Type of Credit Used (car loan vs. a credit card at Victoria's Secret) makes up the final 10%.

Being selective about the type of credit accounts you use can make the difference in ranking a higher credit score. Spreading your credit across various accounts is better than maxing out two credit cards.

Where most people plunder is in monitoring their credit scores to begin with. Think about it, when's the last time you checked your own credit score? "My credit is fine..." so you say. But when's the last time you checked it?

Any credit report can contain minor erros that can adversely affect your credit score between 5 to 100 points; enough to deny someone credit. If you don't monitor your credit it can take a credit bureau up to 20+ weeks to fix their own mistake. And that's if they fix it at all! Whereas if you find an error (such as a late payment or two), report a claim to fix it with appropriate evidence...they have to respond otherwise the late payment is coming off.

Not convinced you should monitor your credit just yet?

How about a payment of $388 more a month because you're shy a few points on your credit report? That's $4,656 a year. $139,680 over the life of the mortgage.

THE HIGHER YOUR CREDIT, THE BETTER YOUR INTEREST RATE!

Contact me if you'd like to register for a FREE Annual Credit Review.

A Real Estate Marriage

Ricardo Bueno (The Real Estate Tomato) — Sat, 07 Jun 2008 05:25:24 -0500

What does it take to get married? Well, it starts with a formal proposal.

With life in general, two people meet. Man loves woman. Woman loves man. Man buys a diamond ring (as is the formal custom), gets down on one knee and says “will you marry me?” Then he experiences a split millisecond of gut wrenching terror while he awaits a response; hopefully a yes!

In real estate, man AND woman (though sometimes alone and not together) look for a home. At first they go it alone (newspaper, weekend open houses, maybe craigslist?). One or two weeks in they make nice with an Agent. This Agent (out of the kindness of his or her heart) puts together a list of homes for sale and saddles them up in the SUV…and off they go…house hunting!

As they go through the list and the Agent expends gallons of gas at $4.43 a gallon (how nice of him or her) it’s either “love at first sight” or “honey, let’s get out of here” until…suddenly…man and woman (though sometimes alone and not together) find the one they LOVE.

They want to put in an offer. You know, ask: “will you marry me?” Well, as is the formal custom in today’s Real Estate Market, they need to be Pre-Approved (this is the real estate "diamond ring" equivalent). A seller won’t take you seriously without one. The answer to “will you accept my offer” is a resounding (and sometimes gut wrenching) “NO.”

On the advice of their REALTOR® they accept the offer for $5,000 - $10,000 less. Why? Because they proposed with a diamond ring. They were pre-approved. Pre-approval says, “I’m qualified to buy THIS house. I have the income, credit and down payment necessary. See...look... I told you so.” This escrow will close! The seller accepts.

A pre-qualification says nothing of your credit. You haven't jumped through the underwriting hoops. Sure a lender took a gander at your DTI, quoting you a possible rate and payment (to arrive at a price point you're comfortable with). But still, no: credit report, verification of income, etc. You’re proposing empty-handed. And that’s not very confidence inspiring to Mr. Motivated Seller. Is it?

My name is Ricardo Bueno. I’m a mortgage lender based out of Los Angeles, CA. If you need to get approved for your next Real Estate purchase you can reach me at (323) 810-2175 or via email at ricardo (at) ricardobueno (dot) com

Daily Mortgage Update: June 6, 2008

Ricardo Bueno (The Real Estate Tomato) — Fri, 06 Jun 2008 07:43:40 -0500

Note: this post is part of a continuing series that I host on my outside blog here. Feel free to visit and leave me your thoughts...

Jobless Claims came in yesterday lower than expected; this is typically bad for interest rates. Just have a look...today's 30-year fixed rate mortgage sits at 6.25% here in Los Angeles. That's up from 5.99% just about a week ago.

The rest of the news on tap for today is the Employment Situation. Typically, the lower the number here, the better your Los Angeles mortgage rates. See, non-farm payroll employment tracks the number of paid employees working both part-time and full-time. By tracking this jobs data investors are able to effectively gauge the level of "tightness" in the job market. And if it's evident that wage inflation is a threatening factor, mortgage rates will rise. But we want them to fall, so again, the lower the number the better your mortgage rate.

For now, let's lock-in your mortgage rates at application! And stay tuned for more info...

CURRENT MORTGAGE RATES:

Conforming Loan Amounts = Loan Amounts Below $417,000
($400,000 Loan Amount | 80% CLTV | 680+ FICO)

30-Year Fixed Rate Mortgage
6.25% (6.379 APR)

15-Year Fixed Rate Mortgage
5.75% (5.875 APR)

5/1 Adjustable Rate Mortgage
5.375% (5.498 APR)

7/1 Adjustable Rate Mortgage
5.625% (5.749 APR)

*Disclaimer: Equal opportunity lender. Interest rates are subject to change upon changing market conditions and are also subject to change upon borrower qualification. Contact me directly to verify pricing.

Contact me for pricing on Adjustable Rate Mortgages as well as for pricing on loan amounts above $650,000.

Lock/Float Recommendation: Lock-in your mortgage rate at application!

RELATED ARTICLES:

The Economics of Interest Rates & How They Work

Definition of Mortgage Rate-Locks

Mortgage Planner | (323) 810-2175

Read my blog: www.industry-report.com

We are only victims of our own thinking

Ricardo Bueno (The Real Estate Tomato) — Wed, 04 Jun 2008 03:42:34 -0500

Note: This is a repost of my article on my home blog here. I'm posting it here because I think it's a nice reminder to focus on everything that's good in our lives. In order to excel in what we do we need to be confident in ourselves and our abilities every day.

Ever heard the saying, you are what you eat? Well, the same applies to our way of thinking.

Have you ever realized that what you think and focus on manifests itself into your everyday being? If you focus on how down you're feeling because things (work, life, etc.) aren't so good you'll walk around with a slouch and frown on your face all day long. And nobody likes a sourpuss!

If on the other hand your start thinking of the positive and focusing on the good, you'll walk around with an extra pep in your step, a smile on your face and you'll draw brighter conversations towards you.

Barbara Berger says:

"Decide on the life you want, visualize it, affirm it, decree it, focus on it, believe in it, have faith in it, and you will find yourself living this life much more quickly than you ever dreamed possible...

When the realization dawns on you, and you stop laughing, you'll probably ask yourself why you spent so much of your life working so hard, struggling like mad against outside circumstances, when all you had to do was change your own thinking." [Source: "The Road to Power"]

And that's what people want (clients, friends and family)...to be around a more confident you!

Mortgage Planner | (323) 810-2175

Read my blog: www.industry-report.com

Gift Money As A Source of Down Payment On Your Los Angeles Real Estate Purchase

Ricardo Bueno (The Real Estate Tomato) — Wed, 21 May 2008 04:09:50 -0500

The fact is, it can be tough coming up with enough money for a down payment!

Say you needed 10%... 10% of $400,000 is a whopping $40,000!

Calculation:
$400,000 Purchase Price x 10% = $40,000 (required down payment excluding closing costs)

You've only managed to save $25,000 but you're ready to own; you're paying too much on taxes every year so the mortgage write-off would serve you well and the monthly payments are affordable. What do you do?

Lucky for you your parents really want to help and they've agreed to give you the difference for the down payment and closing costs...this is called Gift Money!

HOW DOES IT WORK? WHAT DO I HAVE TO DO?

You have to provide your lender with a notarized letter (signed by each of the givers) stating that the dollar amount given to you was a gift. Pretty simple huh? And what's great about it is that the money doesn't need to be seasoned.

Also, there is no limit with respect to dollar amount on Gift Money that you can receive but there will be tax implications to the person gifting the money for amounts beyond the $12,000 annual exclusion (you have to file a gift tax for monies beyond $12,000).

*Disclaimer: I am not a licensed CPA so please consult with your local Tax Professional for more clarity on the tax implications of Gift Money.

For more questions on how you can use Gift Money for your down payment and how to appropriately structure your next purchase, you can contact me here or call me directly at (323) 810-2175.

Follow me on Twitter: RicardoBueno | Follow me on FaceBook | Visit my blog: www.industry-report.com | Join me on LinkedIn (ricardo@ricardobueno.com)

2nd Mortgages vs. Home Equity Lines of Credit (HELOCs)

Ricardo Bueno (The Real Estate Tomato) — Mon, 25 Jun 2007 18:07:16 -0500

SECOND MORTGAGES

A second mortgage is any loan that involves a second lien on the property. Some second mortgages are for a fixed dollar amount paid out at one time, in the same way as a first mortgage. As with firsts, such seconds may be fixed rate or adjustable rate.

A home equity line of credit (HELOC) is usually a second mortgage also, but instead of being paid out at one time, it is structured as a line of credit. A HELOC allows the borrower to draw an amount at any time up to some maximum. They are always adjustable rate. A line of credit is most convenient when cash needs are stretched out over time. A common example is a series of home improvements, one followed by another. Fixed-dollar seconds are best when all the money is needed at one time. Many home purchasers take out such seconds to avoid mortgage insurance on the first mortgage or the higher interest rate on a jumbo loan.

When taking a fixed-dollar second, borrowers can select between fixed and adjustable rates, as they prefer. When taking a HELOC, they take an adjustable, and if they want a fixed they can refinance into a fixed-dollar second after they have drawn as much as they intend to borrow on the line.

Second mortgages are riskier to lenders than first mortgages. In the event of default, the second mortgage lender gets repaid only if there is something left after the first lender is fully repaid. Hence, the rate will be higher on the second, provided everything else is the same. Of course, if the second mortgage is a line of credit with an adjustable rate, it may well be priced below the rate on a first mortgage with a fixed rate.

As a general rule, it is not a good idea to take out a second to pay off a first, because seconds are priced higher. If you take out a second mortgage to repay the first, the second becomes the first, which is advantageous to the lender because you are paying a second mortgage price on a first mortgage. But there is at least one exception to this rule. Borrowers with a high-rate first mortgage with a small balance may find it more advantageous to pay off the first with a second rather than refinance the first. This reflects the higher settlement costs on the first. Some borrowers lower their rate by refinancing a first with a HELOC In the process, however, they are exposing themselves to the risk of future rate increases. HELOCs are much more exposed than standard ARMs (Adjusted Rate Mortgage).

There are several things to keep in mind when considering a second mortgage:

Lenders consider second mortgages to be much riskier than first mortgages. In the event of default, the second mortgage lender gets paid off only after the first mortgage lender is paid in full. Because of this additional risk, lenders usually charge a higher rate for second mortgages than for first mortgages. Also, such loans are commonly adjustable rate mortgages, so lenders are largely protected against inflation or changes in interest rates.
If you are buying a home, a second mortgage can help supplement your down payment and closing costs. As long as you are able to make the proper payments, the lender shouldn't have any objections.
If you are financing to get cash out of your property, a second mortgage or home equity loan may be cheaper than replacing your first mortgage.
Second mortgages have shorter terms, typically ranging from 5 to 15 years. In contrast, most first mortgages have terms of 15, 25 or 30 years.
A second mortgage in the form of a credit line can advance you cash with relatively little cost up front. In addition, the interest rate is usually far lower than you would normally pay for unsecured consumer credit.

HOME EQUITY LINES

Consumer borrowing through personal loans and credit cards is at an all-time high. Many people are buried under thousands of dollars of debt with interest rates of 18 percent or more. A new breed of mortgage lenders has created a brand new class of second mortgage products designed to help consumers get out from under their mountain of debt.

These loans are commonly called equity lines, home equity lines, home equity lines of credit (HELOCs), or debt consolidation loans. These loans have interest rates that are higher than traditional first mortgages but are usually much lower than interest rates charged on credit cards.

There are no standard loan types for these second mortgage programs. The only common feature is that all of these loans are secured by a lien on the borrower's home. Unlike credit card debt, if the borrower fails to make a payment, the lender can foreclose on his home.

Some of these loans are structured like credit card debt and can actually be accessed with credit cards or checks. Others are fixed rate, amortizing loans or balloon loans. Up until recently, some lenders were eager to loan up to 125 percent of a home's value. A CLTV (Current Loan To Value) ratio of 125 percent is unthinkable in traditional mortgage lending.

Home equity loans have several inherent features that should concern potential borrowers.

Since a home equity loan is secured with a lien on property, a borrower who defaults can be foreclosed. Consider this: A homeowner has a $20,000 credit line, becomes unemployed and for whatever reason borrows $200 on a credit line mortgage, which is not repaid. Can a lender really foreclose if the outstanding balance is only $200? Yep. Will a lender necessarily foreclose? The answer depends on the lender's policies, but in the interest of good public relations it's likely that most lenders would try to work something out before foreclosing.

A second possible problem is that some second mortgages may actually be too accessible for some borrowers. Many otherwise responsible people overextend themselves with unsecured credit card debt, so it's likely that some borrowers will do the same with secured credit lines. Currently, lenders often permit the withdrawal of relatively small sums; often less than $500.

Whether you choose to start a second mortgage or a HELOC, you need to think hard and consider all your options. One or the other won't always be the best option for your needs.

Thank You!

Ricardo Bueno | Mortgage Planner

The Origin of Credit...

Ricardo Bueno (The Real Estate Tomato) — Fri, 16 May 2008 19:59:12 -0500

Did you know that Arthur Morris is the man responsible for creating the installment loan in (or around) 1910?

It was called the Morris Plan (clever name huh) and it was the first stab at making credit available to the average person despite heavy criticism that lending money to working class citizens had failure written all over it.

And yet the American economy today is built on credit!

Back then, the lending requirements were as follows:

Two co-signers in order to qualify
Loan term = 1 year
Payments were made in weekly and monthly installments

Boy how the rules have changed since then.

[When the Consumer Says] "I didn't know..."

Ricardo Bueno (The Real Estate Tomato) — Thu, 15 May 2008 02:12:32 -0500

I had a pre-payment penalty
I had an adjustable rate mortgage, (or worse yet)
I had a negative amortization (Neg. Am) loan
I had to pay my taxes separately. I thought they were included in my monthly payment (an impound account)
My closing costs were rolled into the new loan balance
I had the option for lender-paid mortgage insurance
I could Lock-In my rate during the application process
I could use Gift Money as a source for down-payment
I have three different credit scores (Equifax, Experian and Transunion)

[Note: what am I missing from the list? Care to add anything on the Real Estate Listing and Buying side?]

As a consumer, do you ever feel like you fall into one of these scenarios?

To be better prepared/more informed, all you have to do is pay attention to what you're committing to on paper and ask yourself whether it makes sense for you. This includes reading the fine print and asking questions where necessary. If you're not getting any answers, you're probably working with the wrong professional.

Why the rant?

Because the Federal Trade Commission conducted a study for the Federal Reserve wherein the following results were obtained:

"Of those surveyed, 25% could not identify the annual percentage rate of their mortgage, and 25% could not identify the amount of settlement charges. Half could not correctly identify the amount of the loan. Two-thirds were unaware of prepayment penalties that could be charged during refinancing. Three-quarters did not recognize that the loans included charges for optional credit insurance." [Source: Forbes.com]

Articles of Interest:

Daily Mortgage Rate Update: May 14, 2008

Understanding Mortgage Rate Locks

Increasing FHA Loan Limits

Ricardo Bueno (The Real Estate Tomato) — Fri, 02 Nov 2007 00:32:06 -0500

The Federal Housing Administration (FHA) was created through the National Housing Act of 1934. In short, the goal of FHA are: "to improve housing standards and conditions; to provide an adequate home financing system through insurance of mortgage loans; and to stabilize the mortgage market." (Federal Housing Administration; Wikipedia)

The Problem Today:

With delinquencies continuing to pile well into 2008 and often limited financing in high-cost areas (above $417,000), homeowners are pressing for some action to help their situation.

From the Statement of Administration Policy: H.R. 1852 - Expanding American Homeownership Act of 2007...

"The President has called on Congress to expeditiously pass the Administration's FHA Modernization bill to assist more homeowners during this period of stress in the mortgage markets...

As proposed by the Administration, the legislation authorizes an increase in FHA loan limits from $362,000 to $417,000 or 100 percent of the Federal Home Loan Mortgage Corporation (Freddie Mac) conforming loan limit in high-cost areas, and from $200,000 to $271,000 in lower-cost areas. These changes are needed to adapt the program to increasing home prices. The Administration strongly opposes amendments that would authorize FHA guarantees of loans greater than the conforming loan limit as the program should remain targeted to traditionally underserved homebuyers, such as low- and moderate-income families."

Though this will help some borderline home buyers afford a new home purchase, it's not the answer for everyone.

You can read and download the Full Report Here!

Fair Housing Education Day!

Ricardo Bueno (The Real Estate Tomato) — Mon, 21 Apr 2008 23:57:56 -0500

HUD celebrated their first ever "Fair Housing in America Day" on Wednesday, April 16th. Talk about it's never too early to start learning something new, this national education outreach program was designed to teach 4th through 6th grade students (including their teachers and parents) about the Fair Housing Act.

______________________________________

Now the more I think about this, I'm not so sure how I feel about it. On the one hand it's a pretty neat concept (the teachers and parents will be learning something too). On the other hand, I feel like we're spamming our 4th, 5th and 6th graders at too early an age.
What do you think?

______________________________________

From the press release:

'"The goal of ‘Fair Housing Education in America Day’ is to start the conversation about fair housing opportunities at a young age,' said Kim Kendrick, HUD’s Assistant Secretary for Fair Housing and Equal Opportunity. 'It’s critically important to teach future generations of renters and home buyers about their rights under the law.'"

And if this isn't education at an early-enough age, REALTOR® Sarah Bandy introduces us to the newest, hot young talent to hit Keller Williams!