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.

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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.

Working With Your Mortgage Lender

(This post is Part 2 of my “Mortgage Lender” blog series. You can read the first blog in the series here.)

Once you’ve found a mortgage lender you trust, it’s time to get to work. But not just for your mortgage pro — you need to be involved, because the more you know, the better.

Image courtesy of Stuart Miles / FreeDigitalPhotos.net

Image courtesy of Stuart Miles / FreeDigitalPhotos.net

You’ll want to know as much as you can about:

RATES

This is one of the most important parts of the homebuying process. Getting a good mortgage loan rate means less money in your monthly payment — and more money in your pocket.

Talk to your lender about:

  • Delivering on the rate or range they mentioned.

    • (It might not seem like it, but there’s a big difference from 5% to 6%.)

  • How your rates may vary, and the contributing factors.

    • (Ex.: Your income, assets and credit will be highly important.)

  • When the rates will be determined.

    • (They cannot be determined until credit and other guidelines are met.)

POINTS

A “point” is one percent of the amount of your mortgage loan. Make sure your lender explains:

  • What your points will be equal to and how they affect your loan rate

  • How points can be charged (for both fixed-rate and adjustable-rate mortgages) in order to increase the yield on the mortgage AND to cover loan closing costs

    • These points are usually collected at closing and can be paid by the borrower or the seller — or may be split between them.

FEES

Banks charge them, lenders charge them — fees are an unavoidable part of a major transaction like a home purchase/sale. Make sure to ask your lender:

  • What fees are associated with my loan?

  • Can you explain each one and how they might affect the overall loan?


GET ALL THE SPECIFICS

There are lots of other details worthy of your attention. You’ll want the answers to questions like these:

  • What loan programs do you offer?

  • Can I see a good faith estimate right away?

  • Can I see estimated closing costs?

  • Are you certain you can get a deal done by closing?

  • Can you get approval for my loan locally?

THE THREE MOST IMPORTANT TIPS ON WORKING WITH YOUR MORTGAGE LENDER

  • Do your homework. This is a huge amount of your money at stake!

  • Make sure you’re working with someone you trust at a reputable company.

  • Before you sign on the dotted line, make sure you understand all the details.

If you have a question about mortgages or choosing a mortgage lender, let me know! I’m a REALTOR who also worked as a loan officer in the mortgage industry — and I can help point you in the right direction.

Think you’re ready to start the homebuying process? Call 267.566.3448 or email me at shannon.rubin1@gmail.com right now!

© 2013 by Shannon Rubin.

My New (Work) Home: Coldwell Banker Apex, Realtors

Sorry for the lack of blog updates, but I’m back with good news and more helpful articles!

THE NEWS

I’m proud to announce that I’ve joined the team at the McKinney office of Coldwell Banker Apex, Realtors. You can see the location on the Google Maps widget at the top-right of this page.

(I still live in Frisco, and will continue to serve all of my neighbors in Collin County — as well as Dallas, Denton and Tarrant counties.)

I’ve actually been with CB for several months now, and I’m truly happy with the support I receive from the rest of the team.

coldwellbankerapex

WHY COLDWELL BANKER?

It’s the oldest and most established residential real estate franchise system in North America, with 82,000 agents in 50 countries around the world.

But it’s also known for being innovative — as the first full-service real estate brand to:

  • launch a national website

  • stream listing videos online

  • create social media and iPad applications

  • design mobile-friendly sites

  • and more

WHY SHOULD YOU CARE (WHAT DOES THIS MEAN FOR YOU?

This doesn’t mean i’m changing — I’ll continue to work as hard as ever for my clients. Your real estate needs are my top priority.

But there are two good reasons this move is relevant to you:

  1. I’ll have the oldest residential real estate franchise system in the country supporting me as I work for you; and

  2. I can help you, your family and friends anywhere in the U.S. — by referring them to a trusted agent in the Coldwell Banker network.

No matter where my office is, my job is helping clients like YOU.

If you’re even just thinking about a move — whether you’re buying, selling or leasing — call me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2013 by Shannon Rubin.

My Blog is Back — With A Brand-New Look!

Hope you like the blog’s new design!

Let me know if it looks OK to you — I want to make sure that any of the good people who visit me here can view everything clearly.

IMBACK

SO WHERE HAVE I BEEN?

Right here the whole time, although I’ve sadly ignored my blog. But no more!


Top 7 Reasons I Haven’t Updated My Blog:

7. Have you been to the public splash parks in Frisco and Allen? I have!

6. I had to get through 46 episodes of “Chopped” on my DVR.

5. Coincidentally, I now know how to make a tremendous bread pudding.

4. I’ve been invited to lots of tea parties by my daughters.

(And you do NOT decline those invitations.)

3. I conquered a brief addiction to caramel macchiatos.

2. I was stuck in Tollway traffic.

1. I’ve been busy working with my clients — and they’re my #1 priority!


COMING SOON

My move to Coldwell Banker, my next article on “Working with your Mortgage Lender,” and much, much more!

Buying, selling or leasing your next home? Call me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2013 by Shannon Rubin.

Choosing the Right Mortgage Lender

(This post is Part 1 of my “Mortgage Lender” blog series. Coming up in my next blog: “Working With Your Mortgage Lender.”)

Image courtesy of fotographic1980 at FreeDigitalPhotos.net

Image courtesy of fotographic1980 at FreeDigitalPhotos.net


One of the most important decisions you’ll make as a home buyer is choosing the right mortgage lender. It’s really the first major step in your decision to buy!

If you have the full cash amount to pay for a house, you don’t need a mortgage. But most people need to get financing — and what you really need is a reputable mortgage company and a loan officer you can trust.

This is your home we’re talking about, and the big monthly bill you’re about to start paying for years to come. You deserve to work with someone who’s “got your back!”


MAKE SURE IT’S THE RIGHT PERSON

A good starting place is getting referrals from the people you trust the most — your family, friends and colleagues. Get some names of mortgage lenders they’ve worked with — chances are, if they really enjoyed working with them, they still have their card and contact information handy.

Then, check out the company and loan officer online. Search their names and look for any reviews of their services, because many people like to share their experiences — both good and bad — online for others to learn from.


“WHAT CAN YOU DO FOR ME?”

Whether it’s on the phone or at an in-person meeting, the best way to get to know your loan officer is to ”interview” them. Here are some questions to ask:

  • “Will you walk me through this process?
    Real estate transactions can be very complicated. You need someone who will take the time to explain all the terminology and details.
  • “Do you have a lot of clients?”
    You also don’t want to be treated like a number. Obviously, you’re not their only client — but you do matter and deserve to be treated well.
  • “Are you reachable?”
    A good loan officer is responsive. They’ll take your calls, respond to your emails and answer all your questions in a timely manner.
  • “Can you deliver on your promises?”
    Your loan officer needs to meet deadlines and back up what they promise — especially when it comes to locking in your mortgage rate. And there should never be any hidden fees or “oops, I forgot to mention this fee!”

And finally, get referrals from other satisfied customers. If they’re good at what they do, they should have plenty!


ASK ME

If you have a question about mortgages or choosing a mortgage lender, let me know!

I’m a REALTOR® who also worked as a loan officer in the mortgage industry — and I can help point you in the right direction.


Are you ready to start the homebuying process? Call 267.566.3448 or email me at shannon.rubin1@gmail.com right now!

© 2013 by Shannon Rubin.

Image courtesy of fotographic1980 at FreeDigitalPhotos.net

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®!  

pleasecat

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.