Sam Berube Earns NAR Pricing Strategy Advisor Certification
Buyers and Sellers from REALTOR® Expertise in Pricing Properties
Sam Berube with It's Closing Time Realty has earned the nationally recognized Pricing Strategy Advisor (PSA) certification. The National Association of REALTORS® offers the PSA certification to REALTORS® as determining property values depends more than ever on professional expertise and competence, the best use of technology, and a commitment to approach the pricing assignment from various perspectives.
“The market demands accurate property value assessments, so NAR is excited to provide Realtors with enhanced tools, education and expertise to determine the most accurate value for a home and give their clients a leg up when buying or selling,” said NAR President Tom Salomone, broker-owner of Real Estate II Inc. in Coral Springs, Florida.
“Pricing Strategies: Mastering the CMA” is the required course for the PSA certification that provides REALTORS® with knowledge and skills to select appropriate comparables and make accurate adjustments, guide sellers and buyers through the details of comparative market analyses and the underlying pricing principles that inform them, and interact effectively with appraisers. In addition to completing the course, participants are required to view two required webinars. Once awarded the certification, REALTORS® will be equipped to guide clients through the anxieties and misperceptions they often have about home values. For more information about the PSA certification, visit www.pricingstrategyadvisor.org.
The results of countless studies have shown that potential home buyers, and even current homeowners, have an inflated view of what is really required to qualify for a mortgage in today’s market.
One such study by the Wharton School of Business at the University of Pennsylvania revealed that many millennials have not yet considered purchasing homes simply because they don’t believe they can qualify for a mortgage.
A recent article about millennials by Realtor.com explained that:
“About 72% of aspiring millennial buyers said they’re waiting because they can’t afford to buy…”
The article also explained that 29% of millennials believe their credit scores are too low to buy.The problem here is the fact that they think they will be denied a mortgage is keeping them from even attempting to apply.
Ellie Mae’s Vice President Jonas Moe encouraged buyers to know their options before assuming that they won’t qualify for a mortgage:
“Many potential home buyers are ‘disqualifying’ themselves. You don’t need a 750 FICO® Score and a 20% down payment to buy.”
So, what credit score is necessary?
Below is a breakdown of the FICO® Score distribution of all closed (approved) loans in July from Ellie Mae’s latest Origination Report.
Over 52% of all approved loans had a FICO® Score under 750. Many potential home buyers believe that they need a score over 780 to qualify.
If owning a home of your own has always been your dream and you are ready and willing to buy, or if you are a homeowner who wants to move up, find out if you are able to! Let’s get together to determine if your dreams can become a reality sooner than you thought!
Comments to South Carolina Troopers As Excuses These are good!
These are actual comments made by South Carolina Troopers that were taken off their car videos:
1. "You know, stop lights don't come any redder than the one you just went through.”
2. "Relax, the handcuffs are tight because they're new. They'll stretch after you wear them a while.”
3. "If you take your hands off the car, I'll make your birth certificate a worthless document." (My Favorite)
4. "If you run, you'll only go to jail tired.”
5. "Can you run faster than 1200 feet per second? Because that's the speed of the bullet that'll be chasing you." (LOVE IT)
6. "You don't know how fast you were going? I guess that means I can write anything I want to on the ticket, huh?”
7. "Yes, sir, you can talk to the shift supervisor, but I don't think it will help. Oh, did I mention that I'm the shift supervisor?”
8. "Warning! You want a warning? O.K, I'm warning you not to do that again or I'll give you another ticket.”
9. "The answer to this last question will determine whether you are drunk or not. Was Mickey Mouse a cat or a dog?”
10. "Fair? You want me to be fair? Listen, fair is a place where you go to ride on rides, eat cotton candy and corn dogs and step in monkey poop.”
11. "Yeah, we have a quota. Two more tickets and my wife gets a toaster oven.”
12. "In God we trust; all others we run through NCIC." (National Crime Information Center)
13. "Just how big were those 'two beers' you say you had?”
14. "No sir, we don't have quotas anymore. We used to, but now we're allowed to write as many tickets as we can.”
15. "I'm glad to hear that the Chief (of Police) is a personal friend of yours. So you know someone who can post your bail.”
16. "If you want to run, you better be fast" , my K-9 has been on the job 4 years and she has not been outrun yet!
AND THE WINNER IS....
17. "You didn't think we gave pretty women tickets? You're right, we don't. Sign here."
Recently, It’s Closing Time Realty sponsored and participated in the 4th annual Glow Ball Scramble fundraiser for the Archer City Volunteer Fire Department. The tournament is an 18 hole event with the first 9 holes starting at 6 pm, the final 9 starting at 9:15 pm, and played with glow in the dark golf balls. The tee boxes and pins on the greens are lit up with glow balloons and the fairways are sparsely lit with glow sticks about every 50 yards.
To make it even more challenging and fun, no flashlights or phone lights are allowed while hitting or putting. Participants could also enter the cart decorating contest for a chance to win for EXTRA glow balls. You can imagine the golf carts decorated with a variety of glow in the dark paraphernalia!!!
The tournament had 12 sponsors and 9 four person teams competing. ICTR sponsored hole 7 and our agent, Gregg Miller, played on a team. Our team finished -5 for third place! It’s Closing Time was proud to be a sponsor of this fundraiser to aid in the remodeling and completion of the new fire station!
It's Closing Time Realty would like to announce the newest member to our team, Mrs. Melanie Deen. Melanie was born and raised in Archer City, TX. She obtained a Bachelor of Business Administration Degree from Midwestern State University. She resides in Archer City, Texas and Possum Kingdom Lake with her husband, Chad. She and Chad have two grown children. The family owns a business in Archer City and Lake Worth, Texas.
Melanie grew up spending a lot of time at Possum Kingdom Lake and has continued that tradition with her family. She wants to help others find their dream lake home on Possum Kingdom, Eagle Mountain, or Lake Worth lakes.
Melanie has an eye for detail. Whether you’re buying or selling your lake home, she’s ready to help you! Call Melanie at 940-733-7966 and be sure to visit MelanieDeen.com.
Today marks the 3rd Anniversary for Justin Zamarippa at It's Closing Time Realty! Justin has been an amazing asset to our company and has helped tremendously in our growth. We are honored to have him here and appreciate all of his expertise and experience he willingly shares with the other agents in the office. His leadership skills and creative ideas have contributed to our success as a company and as individuals. We have enjoyed these past three years with Justin and look forward to many more years of continued success and happiness!
It's a simple concept for most of us that we truly take for granted. Is home where your family gathers around the table? Is home where the kids run and squeal in the back yard? Or maybe home is where there's a yellow ribbon tied to the front tree.
Home can take on many forms and evoke many emotions. For each of us home is where we relax...where we rest feet after a hard day's work and where we lay our heads each night.
Home is our most valuable asset. It's more than just a place we make memories or the shelter from the storm. Your home is your greatest financial leverage. Knowing your home's value is the key to making strong financial decisions for your family.
Here at It's Closing Time Realty, we have developed a tool that will enable you to determine your home's worth. Our goal here at It's Closing Time Realty is to bring value to our clients by providing you all the information you need to make sound financial decisions for you family.
Do yourself a favor and use our specifically designed home valuation tool today!
It's Closing Time Realty is excited to introduce one of our newest members to our Dallas/Fort Worth, Texas office, Mr. Val Martinez. Val has over 20 years of experience in the real estate industry. Val has learned to empathize and connect with all types of clients and understand their needs and expectations.
Experience the ultimate in real estate customer service backed by an accredited and established real estate Broker. Val clearly explains each phase of the real estate process which removes the stress from his client.
As a Texas native, Val brings his experience in real estate to his chosen path in life: to be YOUR Realtor®. Val enjoys participating in local community building activities and feels privileged to have volunteered in many capacities including Habitat for Humanity.
Give Val Martinez a call today at 817-681-0725 or visit his website ValMartinez.com
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