I want to thank all who have served in the armed forces, THANK YOU for my freedom. My freedom to worship, to work, to go to school and to move about life with out fear.
Thank you!
Kim Duclos
Elite Realty
Emergency Kit for the Car
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| Yes, the heat is on and summer is here! Are you planning a summer vacation? Perhaps a drive across country to Mom and Dads or Grandpa and Grandmas? Take Heed! Mickey Mantle said “If I knew I was going to live this long, I’d have taken better care of myself.” Similarly, if people planning their summer travel knew they were going to have an emergency, they would have the right things available. Only 5% of drivers carry all recommended emergency supplies in their cars. The Federal Emergency Management Agency (FEMA) recommends that all Americans have some basic supplies on hand in order to survive for at least three days if an emergency occurs. Some of these things would be more important if you lived or traveled in remote areas.
The American Red Cross is among many sources where emergency preparedness kits and supplies can be purchased.
Call 702.521.3939 today!
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| It's Your Advantage - Start Right, Get the Details | |
| Technology has certainly streamlined the home buying process and introduced things that help purchasers make better decisions. Buyers have enthusiastically embraced video tours, digital signatures and the enormous amount of information available about a home, neighborhood, schools and neighbors. The ironic thing is that buyers are ignoring the one single thing that can help them secure the “right” home. Talking to a lender or using a financial calculator is not pre-approval. Pre-approval requires written verification on employment and income and ordering a credit report for the purpose of obtaining a mortgage. A mortgage credit score is different than what a person might see from credit reporting websites. Pre-approval gives buyers the confidence to know the amount they can borrow which can result in bargaining power when dealing with a seller or competing against another offer. Transactions can close quicker once a buyer has been pre-approved. If any issues are discovered in the initial process, the purchaser and lender will have more time to correct them compared to trying to get it done during the loan approval period as stated in the sales contract. Most lenders best interest rates are only available to the best borrowers. You might get approved on a loan but at a higher rate than you expected which could make a significant difference in the monthly payments. The “right” home without financing will never have the buyer’s address. Getting pre-approved with a trusted mortgage professional is one of the first steps in the buying process. It can definitely be an advantage that will benefit you in negotiations and ultimately, during the time you own the home. www.callkim.net Call Kim Today @ 702-521-3939 |