WHY I BECAME A REALTOR®

Would you apply for a job if the classified ad looked like this?

Professional needed — Must have extensive knowledge of area and geography, exceptional interpersonal relations and superior negotiation skills. Willing to work nights and weekends. Will need to generate leads consistently (and handle rejection), since more than 75% of leads will not result in actual transactions. Contact us today!

I did. And I love it!

I think it’s important that you know just why I became a REALTOR® — and why I work so hard for my clients.

Image courtesy of jesadaphorn at FreeDigitalPhotos.net

Image courtesy of jesadaphorn at FreeDigitalPhotos.net

My Mortgage Background

During the real estate “boom” of the early 2000s — which became the real estate “bubble” that burst a few years later — I was actually working on the mortgage loan side of the business.  

The first lender I worked for was one of the biggest names in the industry. And although I saw a lot of loan officers go for the fast and easy money, I refused to put people in loans that they wouldn’t be able to handle (especially the adjustable mortgages).

The second company I worked for was a much smaller lender, but the bubble at that time was about to burst (and the recession was beginning) — so the leads began to dry up and everybody was struggling.

I’m proud that I never put a client in a bad loan, and that I did my very best to clearly explain to each and every customer what they were getting into when they signed those papers. And those experiences would serve me well in future years, both as a REALTOR® and as a homebuyer myself.

Lessons Learned From Personal Experience

My husband and I have bought and sold a few homes, and we had different experiences each time — some good, some bad … but I learned something from each and every one of them.

I learned that every client (including myself) wants a REALTOR® who is:

  • Hard-working. Someone who’s committed to doing the legwork to find the right place.
  • Dependable. Someone who arrives at the right place at the right time — and is available beyond regular working hours.
  • Honest. Someone who tells the truth at all times — even when it’s not what a client wants to hear.
  • Attentive. Someone who listens to the client’s “wants” and “needs” — and doesn’t waste their time by showing them homes that are clearly not the right fit.
  • Detail-oriented. Someone who makes sure all paperwork is accurate, and that every person involved in the transaction has all the information and forms they need.
  • Knowledgeable. Someone who is up-to-date on market conditions and prices, geographic areas, communities, neighborhoods, etc. — and has resources such as lenders, appraisers, stagers, and other related professionals.

My 5 Goals For Every Client Relationship

  1. To help each client find the right home at the right price. I make sure their mortgage professional gets them the right type of loan at a good interest rate.
  2. To be friendly. We’re in a “people” business, and being professional and courteous helps put everyone at ease.
  3. To be honest. It’s how I am at work and in my personal life. I have no time for anything less than the truth, and my clients deserve 100% transparency.
  4. To be reliable. I will be there when I say I will, and my clients can depend on me for answers, advice and encouragement.
  5. To help my clients understand everything, every step of the way. Combining my mortgage experience with my personal home-buying knowledge, I’m able to walk my clients through the entire home-buying process.

The Bottom Line

I love my job. I get to help people find a place to live — whether it’s a single person or a big extended family — and I take that responsibility very seriously. I do my very best to make sure that they’re truly happy they chose me as their REALTOR®. 

So now you know my story! Tell me yours — and how I can help you buy, sell or lease your next home. Contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2014 Shannon Rubin.

 

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5 Things To Know About Homeownership In Your 20s

If we all went by movies and TV shows, our 20s are for getting that first job, having that first “real” relationship, and moving into that first apartment. (And of course, PARTYING.)

But your life doesn’t have to conform to by pop culture’s expectations. You’ve got goals and dreams that may not match up with the latest “group of friends trying to have it all” sitcom.

For example, there’s no rule or law that says you can’t or shouldn’t buy a home in your 20s. It could be the right thing for you — but before you go get a mortgage, please read these things you need to know about becoming a homeowner:

1) You’re not too young to buy.
Like I said above, there’s no rule or law that says you can’t or shouldn’t buy a home. In fact, if you’re in good financial standing (see #2, 3 and 4), it could make sense for you to make the investment and start building equity.

2) Your credit report and credit score both matter. A lot. (And they’re different things.)
A credit report tracks your debts — whether they’re paid off or not — as well as each time you apply for credit (ex.: making major purchases like a car or home). Lenders will look at your report to see if you are a good credit risk.

Your credit score, which is somewhere between 300 – 850, is based on a formula that takes into account your existing debts and limits, your payment history, how many types of credit accounts you have, and a few other variables. The higher your score, the better.

The bottom line: Having a “clean” credit report and a higher credit score can mean you’ll qualify for a better interest rate on your mortgage loan.

3) The bigger the down payment, the better off you are.
To be clear, you can buy a home without putting any money down. But if you are able to put down some money up front (maybe you have some savings or just put away a nice haul of birthday checks), that can help lower your monthly payments — just like you do with a car purchase.

4) Shop around for a good mortgage person and rate.
There are thousands of mortgage lenders out there, and it’s best to meet with a few (or at least call/email several of them) to find one that you connect with. Check the Internet for testimonials and take a peek at their LinkedIn profile, because positive reviews are a great sign.

5) Find a REALTOR® you trust that will work hard on your behalf.
You may have a realtor in your family or circle of friends, and that can work wonderfully. If you don’t know one, or you prefer to keep “personal” and “business” apart, you can do an Internet search (same as above for mortgage lenders), and maybe find a company/broker you like (they range from small, independent brokers to the nationwide companies like Coldwell Banker) or just ask around your personal and professional networks.

The bottom line: Consider your options carefully — and don’t rule out homeownership, regardless of your age.

Whether you’re ready to buy a home in your 20s, 30s , 40s or never, I hope you find this advice helpful!

 

Whatever your age, you need a REALTOR® who understands your needs. Contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2014 Shannon Rubin.

Rave Reviews: Brandi P. (Princeton, TX)

“Shannon definitely takes the time to get to know her clients’ needs and wants. She made sure we felt safe with the house we bought, and that we would be truly happy living there.

She went out of her way to get to us if we were unable to meet with her — that was very helpful, too.

I will be using her again in the future. DEFINITELY RECOMMENDED!”

—Brandi P., Princeton

 

Looking for a REALTOR® who will get the job done? Contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2014 Shannon Rubin.

Need to Rent? Use a REALTOR!

Not everybody wants or needs to own a home. If you’re one of those people, you still need someplace to live, though — and renters need to know this very important fact:

Renters can use REALTORS too!

Image courtesy of [stockimages] / FreeDigitalPhotos.net.

Image courtesy of [stockimages] / FreeDigitalPhotos.net.

Our job as Realtors is to help our clients find a place to live. And I’ve come up with SIX great reasons a renter should work with a Realtor:

  1. YOU DON’T PAY ME ANYTHING.

That’s right — you don’t pay me a dime. When it comes to rental properties, my compensation comes from the owner/landlord/property management company.

The cost to you? ZERO DOLLARS. (Just making sure that’s clear.)

  1. I KNOW THE AREA.

It’s my job to know Frisco. And McKinney. And Plano. And Allen. And Dallas. And Richardson. Come to think of it, pretty much all of North Texas.

  1. I KNOW THE MARKET CONDITIONS. (Translation: Prices.)

Whether you’re looking to spend $700 a month or $2700 a month, I can pretty much tell you where we should be looking and what kind of rental you can get. I don’t want to waste your time looking at places that are out of your price range.

  1. I CAN FIND WHAT YOU’RE LOOKING FOR.

Whether you’re looking to rent a basic apartment, a condominium, a townhouse, a

duplex or even a single home, I’ll comb the listings and send you any kind of

rental that I think fits your needs.

  1. I HAVE SUPERPOWERS.

OK, not exactly superpowers…but I have the ability to negotiate items (new paint, repairs, etc.) that you might not think about asking for.

  1. I’VE GOT THE WHOLE MLS SYSTEM.

Because I have access (as all Realtors do) to the full Multiple Listing Service (MLS) system, I can find you additional options that aren’t found on other websites (from Rent-dot-com to Craigslist) or even in rental magazines.

The bottom line — I’m happy to work with clients who are looking for a rental place. And I promise to give you the same level of service that I do for my clients who are buying or selling a home.

Renters, home buyers and homeowners alike — call me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2013 by Shannon Rubin.

I Can Help You Buy & Sell A Home Anywhere (in the U.S.)

A few weeks ago, we were visiting family and friends back on the East Coast, and we drove by a familiar sight. It was a Coldwell Banker sign in front of a home.

A welcome sight!

A welcome sight!

Seeing my company’s logo 1,500 miles from home reminded me of something important — the fact that I can help home buyers, home sellers and renters anywhere in the United States.

How Can I Help You?

Although I can’t be your actual REALTOR® if you’re not in Texas, I can do a variety of things to help you buy, sell or rent throughout the country:

  • I can refer you to one of my fellow Realtors from a Coldwell Banker office close to you

  • I will consult with my colleague to make sure that he/she is providing you with the same level of service you would expect if you were working directly with me

  • I can answer questions if you can’t reach them for some reason

  • I will help to make sure that you get a fair price

  • I will stay in touch with you and my colleague every step of the way

It’s like you get two Realtors for the price of one — and one of them is me!

From Alaska to Washington, D.C., I can help clients like you throughout our great country.

Whether you’re moving a few blocks, a few cities, or a few states away — call me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2013 by Shannon Rubin.

5 Reasons You Should Use a REALTOR®

Whether you’re looking to buy or sell a home, I’d like to share one of the most important pieces of advice I can give you:

PLEASE PLEASE PLEASE work with a REALTOR®!  

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Hopefully at least one of these reasons will convince you to choose a REALTOR to work with — even if it’s not me.

  1. A REALTOR has complete access to the Multiple Listing Service (MLS) database. If you’re a home buyer, we can send you listings that you can’t find via online search. If you’re selling your home, we can help you write and place a listing that will attract the interest of potential buyers. 

  1. A REALTOR can help you negotiate the best possible deal. We know the market, we know the laws, and we’re committed to doing everything we can to help you.

  1. A REALTOR knows contracts. For many people, they can be complicated and confusing. But we know which forms to fill out and can walk you through them all.

  1. A REALTOR is bound by our code of ethics. Real estate agents have your best interests at heart, and we’re committed to serving your needs with honesty and integrity.

  1. A REALTOR can save you money. Not everyone knows the ins and outs of real estate transactions, how to get prices of comparable homes, and understand how the market affects home prices. But we do, and we put that knowledge to work for your bottom line.


I truly mean it — even if it’s not me, I wholeheartedly recommend working with a licensed REALTOR.

And if you’d like to work with me, please call 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2013 by Shannon Rubin.

“It’s Not Me, It’s You”: Is It Time To Break Up With Your Realtor?


Your relationship with a real estate agent is just like any close, personal relationship. It takes communication, honesty, cooperation and trust to make it work.

And because we’re talking about something as important as your home, it’s a relationship that both you and your agent need to take seriously.

So if it’s not “working,” you definitely need to consider if it’s time to make a change.

If you think it might be time to “break up” with your REALTOR®, here are some questions to ask yourself:

* Is your realtor too busy to answer all your questions?
You deserve prompt responses when you have questions. If you’re not getting them, it could ruin your chances of having a successful real estate transaction.

Does your realtor really listen?
Home Buyers & Renters — Are you being shown houses out of your price range? Homes that don’t have all of your requirements? Or locations nowhere near your preferred areas?

Home Sellers — Do you think your home is listed at the right price? Are you getting a lot of interest from home buyers? How long has your home been on the market — and is it being marketed in a variety of ways?

Are you being treated the same as your realtor’s other clients?
Maybe you’re not the biggest deal they have going, or maybe you’re not their top priority. Are they spending enough time on helping you?

You deserve someone working for you who has your best interests at heart. Someone who wants to get your deal done quickly, efficiently and with your budget in mind.

I truly hope that you work with a great REALTOR®, and that you never have to ask yourself these questions. But if you do, I also hope you are able to take a good look at your relationship with them and make the right decision for you.

My client’s satisfaction is my top priority. If you’re looking to buy, sell or lease, let’s get started right away. Contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

 

© 2012 by Shannon Rubin.