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Home Price Appreciation Strong in 2nd Quarter

by Lakeshore Realty

Home prices continued their strong two year-long national trajectory by increasing 2.1 percent in the second quarter and 0.7 percent from May to June, the last month of that quarter.  The Federal Housing Finance Agency (FHFA) said the second quarter was the eighth consecutive one in which its purchase only Home Price Index (HPI) had increased on a seasonally adjusted basis and FHFA's Principal Economist Andrew Leventis called it one of the strongest quarters since the boom prior to the housing crash.  The index for the second quarter of 2013 was up 7.2 percent from Q2 2012 figures.

 

 

Seven of the nine U.S. Census Bureau divisions posted monthly increases in June with the East South Central division having the largest increase at 1.6 percent followed by the Pacific region at 1.3 percent.  The two regions in which prices dipped were New England (-0.3 percent) and the Middle Atlantic (-0.6 percent).

The index rose 7.7 percent compared to June 2012 and each of the nine U.S. Census Bureaus also posted annual increases ranging from a maximum of 17.0 percent in the Pacific Region followed by 11.0 percent in the Mountain division.  The smallest increases were logged in the Middle Atlantic (2.5 percent) and New England (3.7 percent).

The seasonally adjusted purchase-only HPI rose in 47 states and the District of Columbia.  Prices fell in Hawaii (-1.93 percent), West Virginia (-0.64 percent), and Montana (-0.40 percent).

The HPI is calculated using home sales prices from mortgages sold to or guaranteed by Fannie Mae and Freddie Mac. FHFA also maintains an expanded data HPI which adds transaction information from county recorder offices and the Federal Housing Administration to the basic HPI data.  That index rose 2.4 percent over the latest quarter and is up 7.5 percent over the last four quarters.

SOURCE: www.mortgagenewsdaily.com

Home Sales up. Prices Nearing Pre-Crash Peak.

by Lakeshore Realty

Sales of existing home increased strongly in July and median home prices are now nearing their pre-crash peak National Association of Realtors® (NAR) said today.  Sales in July rose to a seasonally adjusted annual rate of 5.39 million units.  This represented an increase of 6.5 percent from the revised (from 5.08 million) estimate for June of 5.06 million.  The July figure was 17.2 percent above the level of sales in July 2012 and July was the 25th month in which existing sales were up from those of the previous year.  Existing home sales are completed transactions that include single-family houses, townhomes, condominiums and coops.

Sales of single family homes were at an annual rate of 4.76 million compared to 4.48 million in June, a 6.3 percent increase and were 16.4 percent higher than a year earlier.  Sales of existing condominiums and coops increased 8.6 percent from June and 23.5 percent on an annual basis to a pace of 630,000 units.

The median price for an existing home was $213,500 in July, a 13.7 percent increase from July 2012 and the 17th consecutive month that prices have risen on an annual basis. For the last eight months the median price has increased by double digits and is now 7.3 percent below the all-time peak of $230,000 in July 2006.  Two years ago the median price was off 25.7 from that peak.  The median existing single-family home price was $214,000 in July, up 13.5 percent from a year ago and the median existing condo price was $209,600 in July, an annual increase of 15.5 percent.

Lawrence Yun, NAR chief economist, said changes in affordability are impacting the market.  "Mortgage interest rates are at the highest level in two years, pushing some buyers off the sidelines," he said.  "The initial rise in interest rates provided strong incentive for closing deals.  However, further rate increases will diminish the pool of eligible buyers."

Despite higher mortgage interest rates, Yun identified compensating factors that can sustain a continued recovery.  "Although housing affordability conditions will become less attractive, jobs are being added to the economy, and mortgage underwriting standards should normalize over time from current stringent conditions as default rates fall."

Existing housing inventory rose 5.6 percent at the end of July with 2.28 million homes available for sale.  This represents a 5.1 month supply at the current rate of sales, unchanged from June.  Listed inventory is 5.0 percent below a year ago, when there was a 6.3-month supply.  "Tight inventory in many areas means above-normal price growth for the foreseeable future," Yun said.

Foreclosures accounted for 9 percent of July sales and short sales for 6 percent.  The distressed sales aggregate of 15 percent was the same as in June and tied for the lowest share since monthly tracking began in October 2008.  NAR said continuing declines in the share of these sales account for some of the price gains.

Marketing time increased slightly in July to 42 days from 37 days in June but is 39 percent below the median time on market of 69 days in July 2012.  It took 72 days for a short sale, 50 for a foreclosure and 40 for a.non-distressed sale to close.  Forty-five percent of homes that sold in July were on the market for less than a month.

First-time buyers accounted for 29 percent of purchases in July, unchanged from June, but are down from 34 percent in July 2012. All-cash sales comprised 31 percent of transactions in July, also unchanged from June but up 4 basis points from a year earlier. Individual investors, who account for many cash sales, purchased 16 percent of homes in July, down from 17 percent in June; they reached a cyclical peak of 22 percent in February of this year.

NAR President Gary Thomas said, "The overall percentage of cash purchases has been fairly steady, as has the share of first-time buyers, but the investor share has been trending down since February.  This means more repeat buyers are using cash in this tight-credit environment.  With a steady decline in lower priced inventory, particularly in foreclosures, investors are finding fewer bargains to buy," he said.

Regionally, existing-home sales in the Northeast surged 12.7 percent to an annual rate of 710,000 in July and are 20.3 percent above July 2012.  The median price in the Northeast was $271,200, up 6.7 percent from a year ago.

Existing-home sales in the Midwest rose 5.8 percent in July to a pace of 1.28 million, and are 20.8 percent higher than a year ago.  The median price in the Midwest was $168,300, which is 9.5 percent above July 2012.

In the South, existing-home sales increased 5.0 percent to an annual level of 2.11 million in July and are 16.6 percent above July 2012.  The median price in the South was $183,400, up 13.6 percent from a year ago.

Existing-home sales in the West rose 6.6 percent to a pace of 1.29 million in July and are 13.2 percent higher than a year ago.  The median price in the West, driven the most by a supply imbalance, was $287,500, which is 19.2 percent above July 2012.

SOURCE: www.mortgagenewsdaily.com

Mortgage Loans for People With Bad Credit

by Lakeshore Realty
 

Have you declared bankruptcy? Foreclosed on a home? Taken a hit on your credit score because of late or missed payments? If you have credit problems, do not despair: It is possible to improve your credit score and eventually qualify for a new mortgage loan.

Also, boosting your credit score is not the only means for getting a home loan. The Federal Housing Administration (FHA), in an effort to promote home ownership, has made it easier for people with damaged credit histories to qualify for a mortgage loan. Under certain circumstances, people who have foreclosed or declared bankruptcy can obtain an FHA loan several years earlier than a conventional loan, and can buy a home with a smaller down payment.

How Lenders View Credit Scores
Credit scores indicate to lenders how well you manage money. You can improve bad credit by demonstrating that you can now handle money more responsibly. Furthermore, since a poor credit score translates to a high interest rate on a home loan, an improved score will help you get lower interest rates.

How to Improve Your Credit Score
Here are a few ways to raise your score and ultimately qualify for home financing:

§  Make payments on time.

§  Make payments in full.

§  Do not open new lines of credit.

§  Use credit cards sparingly and do not overextend your line of credit.

§  Show evidence of steady employment for a period of one to two years.

§  Come up with a budget and stick to it.

§  Build savings.

Credit experts recommend spending no more than 25 percent of your available credit on any credit card account. If you have a $1,000 maximum on an account, the balance should not be more than $250 to $300. Better yet, pay off the card and carry no balance whatsoever.

FHA Loans for People With a Damaged Credit History
The Federal Housing Administration offers loans that it insures against default. That means that if the borrower fails to make loan payments, the FHA guarantees that it will cover the debt. Consequently, lenders are far more willing to extend mortgage loans even to people with low credit scores. Furthermore, FHA loans allow you to purchase a home with a down payment as low as 3.5 percent.

However, FHA loans have a downside. First, the loans have relatively low limits. Second, borrowers must pay a  mortgage insurance premium (MIP) up front (currently 1.75 percent) and then a monthly premium for a full five years, even if they have built up sufficient equity.

Even so, for someone with a blemished credit history, an FHA loan may just fit the bill. Your state or local government may have a home-buying program, too.

Source: realtor.com® 

To access all the Incline Village and Lakeshore Realty listings please click here. You can also contact us by email or call us at 775-831-7000. If you are in Incline Village, please visit us at 954 Lakeshore Blvd. Incline Village, NV 89451.

 
  • Sold Properties by Lakeshore Realty Agents and Sold Lakeshore Realty Listings in July 2013

Below we have a list of properties that were sold in July 2013 by Lakeshore Realty Real Estate Agents and properties that were listed by Lakeshore Realty agents and were sold on the North Lake Tahoe, Incline Village and Crystal Bay real estate market.

916 Harold Dr.

Bed: 3
Bath: 2
Year Built: 1979
Sq. Ft.: 1536

Days on Market: 35
Sold Date: 07/24/2013
Sold Price: $290,000

Selling Agent:
Pam Fernandez

 

517 Catherine Dr.

Bed: 3
Bath: 3
Year Built: 2002
Sq. Ft.: 2131

Days on Market: 28
Sold Date: 07/24/2013
Sold Price: $650,000

Selling Agent:
Tim Lampe  

 

911 Driver Way

Bed: 5
Bath: 6
Year Built: 1998
Sq. Ft.: 5852

Days on Market: 40
Sold Date: 07/16/2013
Sold Price: $2,950,750

Selling Agent:
Jamie Golden 

 

973 Fairway Blvd.

Bed: 5
Bath: 4
Year Built: 1977
Sq. Ft.: 3672

Days on Market: 52
Sold Date: 07/15/2013
Sold Price: $2,025,000

Listing Agent:
Kristi Fisher 

 

834 Ophir Peak Rd.

Bed: 4
Bath: 3.5
Year Built: 1982
Sq. Ft.: 4331

Days on Market: 258
Sold Date: 07/19/2013
Sold Price: $1,375,000

Listing Agent:
Tim Lampe  

 

198 Country Club Dr.

Bed: 3
Bath: 2.5
Year Built: 1995
Sq. Ft.: 2108

Days on Market: 0
Sold Date: 07/31/2013
Sold Price: $835,000

   Listing Agent:                  Selling Agent:
Peg Augustus                 Carole Madrid

 

599 Crest Ln.

Bed: 2
Bath: 2
Year Built: 1969
Sq. Ft.: 1120

Days on Market: 659
Sold Date: 07/01/2013
Sold Price: $230,000

Selling Agent:
Shahri Masters

 

915 Incline Way

Bed: 2
Bath: 1
Year Built: 2006
Sq. Ft.: 1014

Days on Market: 21
Sold Date: 07/29/2013
Sold Price: $294,888

Listing Agent:
Tim Lampe  

 

120 Village Blvd.

Bed: 2
Bath: 2
Year Built: 1992
Sq. Ft.: 1089

Days on Market: 384
Sold Date: 07/17/2013
Sold Price: $410,000

Selling Agent:
Carole Madrid

 

908 Harold Dr.

Bed: 3
Bath: 2
Year Built: 1981
Sq. Ft.: 1452

Days on Market: 37
Sold Date: 07/26/2013
Sold Price: $325,000

Listing Agent:
Kristi Fisher 

 

120 Country Club Dr.

Bed: 2
Bath: 2.5
Year Built: 1990
Sq. Ft.: 1588

Days on Market: 479
Sold Date: 07/01/2013
Sold Price: $392,000

Selling Agent:
Pam Fernandez

 

 

120 Village Blvd.

Bed: 2
Bath: 2
Year Built: 1992
Sq. Ft.: 1089

Days on Market: 14
Sold Date: 07/30/2013
Sold Price: $405,000

Listing Agent:            Selling Agent:
Pam Fernandez         Carole Madrid

 

 

123 Juanita Dr.

Bed: 4
Bath: 2
Year Built: 1971
Sq. Ft.: 1388

Days on Market: 161
Sold Date: 07/18/2013
Sold Price: $420,000

Listing & Selling Agent:
Carole Madrid  

 

330 Ski Way

Bed: 2
Bath: 2
Year Built: 1974
Sq. Ft.: 1200

Days on Market: 799
Sold Date: 07/17/2013
Sold Price: $232,500

Listing & Selling Agent:
Carole Madrid

 

821 Alder Ave.


DUPLEX

 

 

Days on Market: 62
Sold Date: 07/31/2013
Sold Price: $465,000

Selling Agent:
Tony Tuoto 

 

 

To access all the Incline Village and Lakeshore Realty listings please click here. You can also contact us by email or call us at 775-831-7000. If you are in Incline Village, please visit us at 954 Lakeshore Blvd. Incline Village, NV 89451.

Do's and Don't's For a Smooth Mortgage Process

by Lakeshore Realty

Here's another installment of Do's and Don't's for prospective borrowers embarking on, or already engaged in the home mortgage process.  In case it needs to be said, the "Don't's" are strictly for comedy (though most are based on real world examples of things that will kill or greatly delay the mortgage process).

The "Do's," on the other hand, are potentially valuable nuggets of information that may greatly benefit your mortgage experience.  In fact, most of them can end up making a difference in the success or failure of a loan, and at the very least, can help avoid costly delays.

DO: Call well in advance so gas and electric service are on when you move into your new home.
DO NOT: "Borrow" your new neighbor's electricity via a hidden extension cord if electric company is late.
DO: Have seller pay for any mold remediation and ensure it's completed before closing.
DO NOT: Ask appraiser if he can "forget" to take photos of the copious mold throughout the house you are selling
DO: Answer all your loan officer's questions completely and accurately to help him expedite your loan
DO NOT: Tell your loan officer you're single and hope lender and title company don't discover you're really married
DO: Call the cable company to transfer your service to your new home
DO NOT: Attempt to put the new cable account in your dog's name due to your pesky prior unpaid cable bills
DO: Realize if your new home adjoins a golf course, golf balls may occasionally land in your yard.
DO NOT: Send your children out to collect the balls, then sell them back to irate golfers in lieu of allowance money
DO: Get several bids on any needed remodeling for your home, and a CMA from a trusted agent if you're considering selling
DO NOT: Expect HGTV's "Love It Or List It" stars David and Hillary to respond an email and show up to renovate your home
DO: Agree on exactly what your "must haves" are for your new home
DO NOT: Tell your agent you "have to have" three bedrooms and a big yard, then ask to see two bedroom condos
DO: Realize any foundation leaks in home you're selling must be disclosed to the buyer
DO NOT: Put a throw rug and some boxes over the large cracks in your basement in hopes the appraiser doesn't notice them
DO: Obtain HO-6 insurance coverage for the interior and contents of your new condo
DO NOT: Cancel your policy the day after closing to save $25 monthly and defray HBO and Showtime costs
DO: Tell your lender if you have a service related disability when applying for a VA loan
DO NOT: Call your lender several months after closing, tell him you "forgot to mention" your disability, and want your funding fee returned

Above all else, DO remember that your loan originator wants to close your loan as quickly and as efficiently as you and the good ones fully appreciate that their borrowers' satisfaction plays a huge role in their long term success.

Is It Too Late to Get a Good Mortgage Rate?

by Lakeshore Realty
 
Freddie Mac released the results of its  Primary Mortgage Market Survey week, which indicated that average fixed mortgage rates have declined slightly in the wake of the sharp increase after the Federal Reserve’s announcement that it will slow its bond-buying program in the near future.

Average interest rates on a 30-year fixed mortgage have dropped to an average of 4.37 percent from last week’s 4.51 percent. Fifteen-year home loans also fell from 3.53 percent to an average of 3.41 percent this week. Though experts in the field are saying that rates may still continue to rise, albeit at a steadier pace than the initial spike.

Mortgage loan officer and Credit.com contributor Scott Sheldon offered some insight into qualifying for a mortgage. “Rates are improving now,” he said. “Are we ever going to see rates at 3 and a half percent again? Probably not. Looking ahead to October or September, we might see rates hit 4.75, maybe 5 by the end of the year.”

What’s Ahead for Mortgage Rates
Testifying in front of Congress, Bernanke emphasized that the bond purchases are still contingent on economic developments, saying that “they are by no means on a preset course.”

Though Sheldon added that rates will surely rise if and when the 2014 planned easing of bond-buying happens, there are options for those looking to buy a home now.

“What I’m doing now is I’m qualifying people at a half a percent higher rate. That way, most of the time they still qualify, and if we can do it lower, everyone’s happy,” he explained. His advice to those looking to purchase a home: “Try to qualify at least a half or 0.625 percent higher than you normally would.”

Particularly for first-time home buyers, Sheldon recommends that they “lock their loan in immediately, or pick a rate they can get to by investing an up-front overhead. But they don’t want to get into their contract wondering what their loan is going to be.”

According to Sheldon, “if rates are going to dip again, they’re going to do it now,” but he also mentioned a trend during the past three years: massive interest rate improvements twice at the beginning and end of August. “So if they’re going to get into a contract in the next 30 to 40 days, it might be a good idea to wait, but if not, I’m going to say they should lock in their rate now,” he said.

 

 

Source: realtor.com® 

To access all the Incline Village and Lakeshore Realty listings please click here. You can also contact us by email or call us at 775-831-7000. If you are in Incline Village, please visit us at 954 Lakeshore Blvd. Incline Village, NV 89451.

 

Lake Tahoe Incline Village Nevada real estate market update

by Lakeshore Realty

To get a clearer picture of the Incline Village Real Estate market behavior here are some statistics from our MLXChange System for the McCloud Complex, located in the Central subdivision of Incline Village, Nevada. This complex is one of the largest and most stable locations in Incline Village and we selected for these charts only units with 2 bedrooms that have a similar layout. We collected numbers starting with 2003 through 2013 year to date. In the charts bellow you can see the fluctuation in the home sales and home prices over the past 10 years.

 

 

 

North Lake Tahoe July 2013 Real Estate Sales Comparison

by Lakeshore Realty

  

  • North Lake Tahoe July 2013 Real Estate Sales Comparison

July 2012 was the beginning of the Lake Tahoe, and specifically Incline Village real estate market rally.  The historically low prices and interest rates were a contributing factor in this increase.  While July 2013 had the same number of homes sold as July 2012,  the median price jumped 54.16% for residential home sales, and 245.20% for condominium sales.  Because we are looking at a very small time frame (30 days) these numbers are not the best indication of the actual increases.  A much more accurate indicating is noted below comparing the first six months of 2012 VS 2013 which indicates a 36.37% Median jump for homes and a 40.50% jump in condo sales.

  • Residential Home Sales Report

Click for larger image

- Please note that the report above was created using data extracted from the MLXChange System and reflects Residential Home sales.

  • Condominium Sales Report

Click for larger image

- Please note that the report above was created using data extracted from the MLXChange System and reflects Condominium sales.

To access all the Incline Village and Lakeshore Realty listings please click here. You can also contact us by email or call us at 775-831-7000. If you are in Incline Village, please visit us at 954 Lakeshore Blvd. Incline Village, NV 89451.

What Goes With You When You Sell Your Home?

by Lakeshore Realty
 
 
When you are getting ready to sell one of the things you will need to consider is what stays in the home and what goes. There are certain things that are generally considered to be part of the home and others which are often negotiable. Before you put the home up for sale you will want to figure out what things you absolutely want to take with you and what might be up for discussion. If you know where you will be moving to next then you are already one 
step ahead of the game because you know what is in your 
new place. If not, or if you are moving far away, it can be trickier to decide what is worth moving or putting in storage and what is worth offering to the buyers of your home.

Generally things that are not attached go with the seller. If there are things you are absolutely certain you want to take with you that are attached, make sure you tell your Realtor and so that they are included in the listing and you don’t end up breaking any potential buyer’s heart.

Some people, especially if they are downsizing or moving far away, may choose to include the furniture as part of the package. This can be tricky because furniture will not factor into an appraisal value so if it adds significant numbers to the sale price then the sale may need to be done separately. These items can also be included as a value add for the potential buyer.

There are several areas which generally feature in this type of discussion:

Lighting: Lighting fixtures are often something that people are attached to because they often reflect personal style. In general things that are attached to the home such as lighting fixtures are generally considered to be part of the home. For example, when I bought my condo, the owners wanted to take their crystal chandelier in the dining room with them. For me this wasn’t an issue, the chandelier wasn’t my style and I was happy with having the chance to replace it with something else. However if I hadn’t known this in advance and I had my heart set on the way the dining room looked with the chandelier it  could have been an issue. Fixtures are to remain in the home unless the seller explicitly stated the item is not to be included in the sale. The seller also needs ensure that the item be removed without damage to the home. Lamps are moveable items and are considered personal items that can be claimed by the seller when they vacate the home.

Appliances:  Appliances are often an area where the buyer and seller can negotiate.  In some cases, the buyer may actually prefer that the seller remove appliances because they have their own. Other times, the seller may be ready to take the appliances but could use them as an incentive to get the buyer to pay the list price because the buyer won’t have to pay for new appliances. If you are absolutely certain that you want to take the appliances with you make sure your agent notes that. If you are willing to negotiate let your agent know that too. Most appliances are moveable items that the seller would normally be allowed to remove from the home. Moveable items are considered personal items or possessions of the seller.

Landscaping: Plants, shrubs and trees are items that are affixed to the property and will remain with the home however if you have container gardens or perhaps flower-filled urns on the front porch those can be negotiable. Backyard equipment, such as lawn chairs, tables, swings and grills, are all considered personal items. The swing set may get a bit tricky because it can be claimed that it is attached to the ground in some cases. The seller may often be very willing to sell all of the backyard items for a price.

Window Treatments: Window treatments are another area that can be negotiated. Often window treatments were bought to fit the specific size and shape of the windows and so the seller may not be interested in taking them to a new home. If you are planning to leave the window treatments behind be sure to let your agent know so that it can be added to the listing. This is often a great selling point to use because it means the person can move in and not have to worry about privacy.

 

Source: realtor.com® 

To access all the Incline Village and Lakeshore Realty listings please click here. You can also contact us by email or call us at 775-831-7000. If you are in Incline Village, please visit us at 954 Lakeshore Blvd. Incline Village, NV 89451.

 

Sellers' Market For Now, but Home Price Surge Will Not Last

by Lakeshore Realty

Home prices increased during the first quarter of 2013 by 10.2 percent, the first double-digit quarterly increase since the "bubble" peaked seven years ago. However CoreLogic, which issued its Case-Schiller Index report this morning, cautioned this price surge is not going to last.

The company said that home prices were up in 296 of the 384 metropolitan areas it tracks compared to the first quarter of 2012 including many of the cities that were at the center of the housing bubble and where prices plummeted when it burst. Phoenix was up 23 percent, Sacramento 21 percent, and Miami 14 percent. Even troubled Detroit showed an 18 percent annual gain. In Detroit, Phoenix and Sacramento, the months'-supply of active listings is approximately three months and Miami is hovering around five and a half months. Both indicate strong sellers' markets.

Core-Logic, however, said it expects price appreciation to slow to 5.6 percent between the first quarter of 2014 and the first quarter of 2015 as rising interest rates and home prices erode affordability and inventories of new and existing homes increase causing better balance between supply and demand. As rising prices bring more homeowners into a positive equity position many, previously unable to do so, may decide to sell, further easing upward pressure on prices, slowing appreciation even further in the out years. Over the five years beginning with the first quarter of 2013 prices are expected to rise an average of 4.0 percent

 

"Record levels of affordability, a slowly improving job market, and very small inventories of new and existing homes for sale will continue to drive U.S. home price appreciation during the summer," said Dr. David Stiff, chief economist for CoreLogic Case-ShillerTM. "Although a small number of metropolitan areas show year-over-year declines, it is likely that home prices in these cities will turn positive by the end of the year."

Three of the metros that experienced a small year-over-year home price decline are Long Island, N.Y. (-1 percent), Waukegan-Kenosha, Ill-Wis. (-2 percent) and Poughkeepsie, N.Y. (-4 percent).

New home builders are ramping up as rising home prices indicate better profits, but Core-Logic says building activity has increased more slowly than expected, due mostly to the uneven economic recovery. As builder confidence as measured by the National Association of Homebuilders has recently been soaring, Core-Logic says the pace of new construction is expected to increase more rapidly.

"Although double-digit gains usually indicate unsustainable appreciation and, possibly, bubbles in some metro areas, there is less need for concern now since home prices remain 26 percent below their peak nationally and are even lower in many metro markets," said Dr. Stiff.

SOURCE: www.mortgagenewsdaily.com

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LakeshoreRealty.com
Lakeshore Realty
954 Lakeshore Blvd.
Incline Village NV 89451
775-831-7000
800-954-9554
Fax: 775-831-6777

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