Archive for the ‘Uncategorized’ Category

I have moved! I am now located in Oak Harbor Washington with Pinnacle Mortgage Planning, a sister company to Alpine Mortgage Planning. I am still doing the same thing, just a bit farther north. I apologize for not updating sooner but it has taken some time to get settled.

I am still associated with Alpine Mortgage Planning in Eugene and still licensed to do mortgage business in Oregon and Washington but have dropped my California license. Since almost everything is done by e-mail, text and scans anymore, there shouldn’t be a lot of change for my friends and customers from Oregon. However, since I am not in Washington, my company name is Pinnacle Mortgage Planning, not Alpine. Same company, different name in a different state.

So, how about my contact information? Well, all of my Oregon contact information is the same. You can still reach me at the same place, it just gets forwarded. For those in Washington, I have new contact information. Contact me at my Washington office, Pinnacle Mortgage Planning, 3157 N Goldie Rd., Ste. 107, Oak Harbor WA, 98277, 360-682-6913/541-221-3455 cell, I am always ready to help with the mortgage process. I am also in the process of compiling some Washington specific blog sites for future use.

I am still on top of what is going in the real estate marketplace and have people that I trust to work with in Eugene. Thanks for your continued support. I look forward to updating this on a regular basis, now that I am settled in.

Navigating the mortgage approval process doesn’t have to be daunting. With me on your side those hurdles can be overcome. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at my Washington office, Pinnacle Mortgage Planning, 3157 N Goldie Rd., Ste. 107, Oak Harbor WA, 98277, 360-682-6913/541-221-3455 cell or through Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

A VA (Veterans Administration) guaranteed home loan is a great benefit for Oregon, Washington and California active, non-active, Reserve, National Guard, and retired military of the armed forces because there is no down payment needed and no private monthly mortgage insurance required.

It is actually a great deal for vets in other states, but I am licensed in the three above. VA mortgage loans can be used towards purchasing a home, building a home (although hard to come by), or refinancing an existing mortgage up to 90% loan to value.

We will discuss what role the VA plays in a VA guaranteed mortgage, the benefits of a VA home loan, who is eligible for a VA loan, and the documentation you will need to present to your lender in order to apply.

Did you know that more than 27 million veterans and service personnel are eligible for VA financing, yet many aren’t aware it may be possible for them to buy homes again with VA financing using remaining or restored loan entitlement?

VA Does Not Offer Loans Directly and Does Not Guarantee You Will Qualify.

The VA does not actually lend the money to you directly. They offer a guaranty to a lender that if you should default on the loan, they will pay the lender a percentage of the loan balance.

*The word GUARANTY does not actually guarantee the veteran will qualify for a VA home loan.

Primary Benefits of a VA Mortgage:

• 100% financing
• No monthly private mortgage insurance is required
• There is a limitation on buyers’ closing costs
• The loan is assumable, subject to VA approval of the assumer’s credit
• 30 year fixed loan
• Seller can pay up to 4% of the veterans closing costs and even pay down they buyer’s debt to help lower their debt-to-income ratio
• Interest rates are similar to FHA rates
• You don’t need perfect credit

Frequently Asked Questions:

Q: My parent is a veteran. Can I obtain a VA loan if I have not served in the military myself?

No, the VA loan benefit does not extend to a veteran’s children.

Q: What is required to prove my record of military service?

You will be required to us Standard Form 180, Request Pertaining to Military Records, to apply for proof of military service.

Q: My spouse who has passed away was an eligible veteran. I am eligible for the home loan benefit myself?

A surviving spouse is eligible if they have not remarried, and the eligible veteran died during active duty service or as a result of a service-related disability.

Q: Is a VA loan better than a conventional mortgage?

In many cases, yes. VA guaranteed loans often offer a lower interest rate than conventional mortgages, they do not require monthly private mortgage insurance when borrowing more than 80% of a home’s value, and they can be easier to get approved for.

Q: How long does it take to get approved for a VA loan?

It varies depending on the current workload of your lender, but it is typically the same as for conventional mortgages – 3 weeks to 45 days.

Contact me

Navigating the mortgage approval process doesn’t have to be daunting. With me on your side those hurdles can be overcome. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

Like any Eugene area home purchase, an appraisal must be completed on the property before your home can be approved for VA loan financing. In the case of a VA loan, it must be a VA appraisal.

A VA appraisal involves a thorough inspection of the home and property to determine the current market value of the home. This appraisal is especially geared towards reporting any defects involving safety or security of the home.

So, how does this fit into the VA loan process?

Simply put, even though the VA’s primary focus in assist veterans in financing a home, the VA must also take precautions to protect the investments of both the borrower and the VA itself with a good appraisal.

Let’s say that a veteran or member of the military found a house that he wanted to purchase for $200,000. The house seems to be exactly what he’s looking for; single story, gazebo in the backyard, freshly painted, and located on 4 acres of land out in the countryside.

He decides that he wants to use his use his hard-earned military benefits to get a zero money down VA loan. In other words, if approved, he’ll receive a fully financed $200,000 VA loan.

As part of the standard VA loan approval process, a VA-appointed appraiser goes to the property to do an appraisal of the actual worth. Unfortunately, the appraiser discovers that the house needs quite a bit of deferred maintenance, the gazebo hasn’t been permitted, and there are severe drainage issues throughout the property that need to be addressed, among other miscellaneous flaws. These are not items that would require repair prior to lending, however, they effect the property value.

Tallied up, the appraiser determines the value of the home and property to be $175,000 instead of $200,000. If they were health and safety issues, they would require repair prior to lending.

Because of the large difference between what the seller is asking for and the actual value of the property, the VA ultimately turns down the loan.

Of course, this is a somewhat extreme example, but you get the idea. The VA needs to verify that the actual value of the home and property is close to what a potential borrower wants to pay for it.  Neither a mortgage bank nor the VA want to insure homes that are worth less than the loan amount.

Here is a list of things to consider when shopping for a new home:

• The appraiser needs to inspect both the inside and the outside of the house. If the house in question is being constructed, the appraiser still needs to analyze the property and construction site.

• The official appraisal report will contain a list of “observable repairs that need to be completed.”

• This report will also contain a list of “customer preference items to be installed.”

• A few small issues with the property won’t immediately disqualify it, but a lot of small issues or a few big issues may.

VA appraisals are ordered through the VA and not directly from the appraiser. This guarantees the appraiser is a neutral third party to the transaction. If, as in the case above, the appraisal comes in low, the buyer can always re-negotiate the purchase price.

Contact me

Navigating the mortgage approval process doesn’t have to be daunting. With me on your side those hurdles can be overcome. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

“Real Estate Broker/Owner Panel”

Location: Mallard Hall – 725 W 1st Ave, Eugene – June 9, 11:30 a.m. Lunch!

Cost: $15 per member; $20 non-member

Advance reservations required by NOON, Tuesday, June 7. Send an email to hlarson@sterlingsavings.com or call 541-434-2779
or sign up on the website:
http://www.lanecountywcr.com/calendar/monthly-meeting-registration/

Featured Presenters: Kathie Robidou, Galand Haas, Bryan Ranstad and Matt Powell

These are the managing brokers from Coldwell Banker Real Estate, Keller Williams Realty, Hybrid Real Estate and Windermere Real Estate of Lane County.

Sponsor for the June meeting is Dean Schmidt, Summit Funding.*

So, come prepared with your questions, business cards and appetite!

Note: Members who bring a guest non-member Realtor get their lunch for free! All guests must be registered by June 7th.

Questions about this event? Contact Lori Palermo at: loripalermo@comcast.net

* PLEASE NOTE: New procedure with sponsorships, only the sponsor will be allowed to place flyers on the tables. Only members are allowed to pitch properties and/or services  and this will be done at the start of each meeting.  Sponsorships are available for future meetings,  please see Janell (jancobo@hotmail.com) to schedule.

If you are a disabled Oregon Vet, you could be paying less property taxes if you have a 40% or more disability.

First, you must meet one of these requirements:

• Be a veteran who is officially certified by the U.S. Department of Veterans Affairs or any branch of the United States Armed Forces as having disabilities of 40 percent or more; or
• Be a veteran who served with the United States Armed Forces and is certified each year by a licensed physician as being 40 percent or more disabled. However, there is an income limit. In the year prior to the exemption year, your total gross income cannot be more than 185 percent of the annual Federal Poverty Level Guidelines.
  Total gross income includes pensions, disability compensation,
  and retirement pay received for your military service. The U.S. Department of Health and Human Services
  publishes new Federal Poverty Level Guidelines every February. The updated current year guideline is used for that exemption year. You can see these guidelines
  online at www.aspe.hhs.gov/poverty; or
• Be a veteran’s surviving spouse/partner who has not entered into a new marriage or registered domestic partnership (partnership). You may file a claim for the exemption even though your spouse/partner was not disabled or never filed a claim for the exemption if disabled. (See the definition under “Who is a veteran?” to determine your eligibility as the surviving spouse/partner.)

Second, you must own and live on your homestead property.
Buyers with recorded contracts of purchase and life estate holders are considered owners for the purposes of this exemption. Temporary absences due to vacation, travel or illness do not disqualify you from the program.

I think that this next one is a hoot:

Surviving spouse of Civil War
or Spanish War veterans

If you are the surviving spouse of an honorably discharged veteran of the Civil War or the Spanish War, and you have not entered into a new marriage or partnership, you are entitled to an additional exemption of $2,000 provided you currently receive a pension and actually live on your homestead property. (I would love to see how many qualify for this exemption.)

The exemption is either $17,389 or $20,867 depending on qualification from the home’s assessed value. This amount goes up 3% each year.

I hope you find that this information is helpful. To get the full qualification and application procedure, click here.

Contact me

If you have any questions about a VA loan, please give me a call. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

If you’re Eugene/Springfield home of your dreams is over $417,000, a VA jumbo loan may very well be the best option for your mortgage.

In most veteran loan scenarios, the VA guarantees up to 25% of the total amount of the loan up to the VA loan limit in your county – which, in all of Oregon including Lane County, is $417,000. There are parts of Washington and California that are higher.

But what happens when the value of the loan exceeds your county loan limit?

This is where VA jumbo loans come into the picture.

For the purposes of this example, you live in Lane County where the VA loan limit is indeed $417,000. You find the perfect house for you and your family, and it’s selling for $517,000.

You decide that you would like to use your hard-earned veteran benefits to take out a VA mortgage!

So, the VA guarantees $104,250 of your loan (with $104,250 being 25% of $417,000). Yet what happens with the remaining $100,000 of the loan?

Simple. The U.S. Department of Veterans Affairs mandates that on jumbo loans above the county loan limit, the borrower put down 25% of the difference between the cost of the loan and the applicable county VA loan limit.

Continuing on with our jumbo loan example from above, 25% of $100,000 ($25,000) would be required as a down payment, and the VA would guarantee 25% of $417,000 ($104,250).

Not bad at all! In this example you’re buying your $517,000 dream home for only $25,000 down in addition to the required closing costs.

The real value of VA jumbo loans is apparent when you compare and contrast it to the standard down payment requirement of a conventional mortgage, which is typically 20% to avoid paying private mortgage insurance.

This means that for the example $517,000 house, a conventional loan down payment would be $103,400 while a VA loan down payment would only be $25,000. That’s less than one quarter of the down payment required for the conventional loan in this scenario!

In a case like this, I would actually recommend putting an extra $850 down because it changes the VA Funding Fee for those that have to pay the fee.

Please keep in mind while house shopping that VA county loan limits vary widely throughout the country and will be higher in areas with especially high property values. Once again, the standard VA county loan limit is $417,000, but it’s smart to check with your local VA mortgage expert, me, prior to looking at houses.

For example, as of 2011 the VA county loan limit for Marin County is $1,000,000! San Francisco County has a loan limit of $1,000,000 as well.

To check what the VA county loan limits are for each county in the United States, you can visit the U.S. Department of Veterans Affairs at their loan limit website. For counties that are not listed on the website, the official VA loan limit is automatically set at $417,000.

Why is there such as large difference in county loan limits throughout the nation? In short, because the various housing markets across the country vary greatly.

In San Francisco a small single-family house may sell for $1,000,000, while in other places you might be able to find a similar house for $100,000!

Wherever you are, if you are in need of a substantial home loan, a VA jumbo loan is certainly worth checking out.

Contact me

Navigating the mortgage approval process doesn’t have to be daunting. With me on your side those hurdles can be overcome. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

Interesting question, several answers. VA Mortgage Approvals timelines can differ due to a number of variables like the type of property. It can help reduce the time on most loans by dealing with a direct VA underwriter, like we have at Alpine Mortgage Planning.

However, if purchasing a manufactured home or having a credit score below 640 can extend the time for approval significantly. Additionally, even though appraisals are being done in short order currently, VA appraisals are ordered through VA and the appraiser can take up to 30 days to complete the report.

Also, our country’s economic crisis has resulted in tightened lending guidelines and longer processing and approval time-lines for all loans including VA mortgages. We pride ourselves at Alpine in closing most loans within a 30 day window, but for some special cases, that may not be possible.

Full mortgage approval can take anywhere from one to five weeks, depending on how complete and organized your paperwork is when submitted to the underwriter. It is your job to get the paperwork asked for as completely as possible. It is my job to make sure the submission is presented to the underwriter in a logical manner.

While there are a few explanations as to why the entire process is now taking as much time as it does, the simplified reason is that there are now more underwriting guidelines and restrictions on the mortgage industry today.

Fortunately, there are ways that veterans and military families can ensure that their VA mortgage approval process will go as quickly as possible:

1. Keep Yourself Organized

It’s a good idea to keep a well-organized folder of all the documents that you will need to send to your loan officer; this will ensure you aren’t scrambling at the last minute to find your required paperwork. You should also keep records here of any messages or documents you receive from your loan officer.

2. Fully Understand Your Benefits

You should now have a good understanding of your benefits and VA home loans. Ask your lender any questions you might have.

3. Send Requested Documents ASAP

As obvious as this one may seem, it is often a problem. Be sure to send requested documents as soon as possible to keep the VA loan process moving along.

4. Ask Questions As They Come Up

If you have questions or concerns, ask your lender right away. Don’t wait until the very end of the process to ask, or else you risk causing a slowdown.

5. Do Your VA Lender Shopping Early

The sooner you select your VA lender the sooner the process can begin, and the sooner you can be at closing.

6. Work With A VA Loan Specialist

If you work with someone who has been through the VA loan process many times before, there will be far fewer errors and setbacks. The choice is obvious: work with an experienced VA lender.

7. Be Available

Make your hours of availability as flexible as you can. There will be questions that arise throughout the course of the process, and the faster you communicate with your lender, the faster your VA loan approval process will be. If you will be unavailable for a period of time (for example, current military personnel going into the field) let your VA loan officer know in advance so there are no surprises.

8. Be Able To Communicate Through Email

The majority of the loan process can be done without extensive phone conversations. Also, if your lender has your data saved on their computer, there will be reduced chances of having information lost.

9. Stay Updated

Ask your lender to routinely keep you informed of where you are in the VA approval process.

Contact me

I am a VA home loan specialist and a veteran. Navigating the mortgage approval process doesn’t have to be daunting. With me on your side those hurdles can be overcome. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

A divorce can have a huge impact on VA Guaranteed Home Loan for the Eugene/Springfield veteran. Or, it can have little to no impact.

Let’s go ahead and start off with the basics.

First, let’s look at a scenario where the VA loan is only filed under the veteran’s name.

The VA loan guaranty is only available due to the veteran’s eligibility for the loan.

After the VA loan is processed, the guaranty will remain with the mortgage even if the borrowing veteran or member of the armed forces stops living there. The only way the VA loan guaranty will be removed is if the loan is refinanced by the former spouse into a conventional mortgage, which will then make the military borrower again eligible for a new VA mortgage.

Jointly held mortgages are a little different from the above process.

The name of each spouse is on the mortgage, and if they both work the couple may qualify for a higher loan amount with their combined income than either would individually.

Only one spouse needs to be a veteran or military service member and eligible in order to get qualified for a VA loan. After the VA guaranty is committed to a mortgage, it is no longer attached only to the veteran borrower.

This is what makes joint mortgages a little tricky when it comes to divorce, especially since few ex-spouses will want to maintain a joint mortgage together. With this in mind, there are a few potential situations that can arise:

• The ex-spouses can sell their property and divide the equity or debt.

• They can designate sole-ownership of the property to one person and then refinance the mortgage into the name of just one borrower.

• If neither ex-spouse can qualify for a loan on their own, the original mortgage will remain until the property is sold. In this case, the veteran will not be eligible for another VA loan as long as the original mortgage remains.

After the mortgage is terminated, the veteran can apply for a new loan guaranty. Normally, there will not be any change from the original eligibility.

It is critically important that after the divorce a complete copy of the divorce decree and any payments to the ex-spouse are documented. You should also be aware that any negative credit surrounding the VA loan will come back to the veteran, even if the non veteran spouse has the property and is supposed to be making the payments.

If you have a VA loan and you’d like to get a VA IRRRL loan (also known as a VA Streamline Refinance), there are also some things you should keep in mind if you are going to get divorced, married, or re-married.

During your regular VA loan application process, each of the borrowers whose names appeared on the loan was reviewed by the VA. Since VA IRRRL loans do not require a credit check, you are required to keep each borrower from the original loan on your VA Streamline Refinance.

Unfortunately, there is no way to remove a borrower for a VA Streamline Refinance except through the death of one spouse.

In order to get a new VA loan during or after getting a divorce, you will be required to follow the steps of your first VA loan.

However, if you are getting married, already have a VA loan and decide to get a VA Streamline Refinance, you are allowed to add your new partner to the loan.

Contact me

Navigating the mortgage approval process doesn’t have to be daunting. With me on your side those hurdles can be overcome. I am available right now to help you with the loan process and know the ins and outs of FHA, VA, USDA and conventional financing. If you want to buy a home using an FHA loan or refinance using VA, I am here to help. Contact me at Alpine Mortgage Planning, 1200 Executive Pkwy., Ste. 100, Eugene OR 97401, 541-342-7576/541-221-3455 cell or by e-mail. Only you can make the choice it is time to get the process started.

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Over the last month I have discussed mastering search engine optimization with many of our members of this online real estate network as well as clients of R & D Art. In those conversations, it always seems to end with me telling them that to master SEO it is not all about the meta keywords that are in your site. Actually, that might be the weakest link to mastering SEO and getting the search engines to recognize you. With that said, I think the biggest problem is that people think they need to master Google and forget about Alexa, Yahoo, and Bing. Regardless what my personal feelings are on the search engines, I still have to pay homage to them.

If you notice, I have linked to several keywords in my first paragraph. However, only one of those keywords is something that I really key on for our real estate based site to show up in. That is: real estate network. Over and over, when we blog, we want to make sure that we are keying on this phrase. With that said, it is not certain that phrase that will drive readers to our site. We make sure that our articles are packed with keyword enriched content. I have said it many times before and I will say it again; CONTENT IS KING. No matter where you go on the net, anyone that knows anything about SEO will tell you this. Great content will win every time.

One of the things that I see that people do is have a very short post on their site or even worse, a recipe, and they hope that it pushes them up because they wrote a blog. Unfortunately, writing a recipe on a real estate site really is not going to carry much weight with the search engines. People might think you are more down to earth and come looking for more recipes, but frankly, the search engines won’t. It is the same with many topics that do not pertain to your main topic. The great thing about the main blog for PREP is that we can discuss SEO, SERP, blogs, social media, social media marketing, financing, the housing industry, and a world of other topics and still be point on. The great thing with a Realtor® is that they can discuss local events, neighborhoods, dining, schools, shopping, and much more and still be right on target. However, if your blog is about USDA or FHA, home staging, or home inspections, appraisals or home repair, then most readers are going to want the articles to be about that. They do not want to sort through all the fluff to get to the meat.

Here is one thing that I also see that people have a tendency to do; they write on a level that not many can understand. So many times I have had to tell bloggers to “dumb it down”. For those that do not understand that, it just means that you are probably writing on a college or doctoral level. I do not really know many people that understand that. The key element in this is to write on a secondary or grade school level. It means leave the 6 syllable words at home. With that said, don’t sacrifice your article for the sake of this procedure.

I would have to say the next thing that I see in bloggers that ask me why their sites are not showing up at the top of search engines has to be the lack of consistency. In the last month I have talk to two different bloggers in reference to this fact. One had 8 articles published and the other had 6. Both wondered why they could not be found on the first 3 pages in the search engines. Well, frankly, if I were only writing 8 articles over a 6 month period, I would not be found either. Blogging is not something that you can do just when you feel like it and magically appear. You have to work at it. And by working at it, I am not referring to 20 hours a week. However, being able to sit down and post 5 or 7 post during your downtime and have them automatically publish is a great feature. Not many platforms can supply that fact. But, even if you do not have that opportunity, 2 to 5 hours a week can still net you the front page of keyword searches where as neglect cannot.

Another thing that I notice that people have a knack for forgetting about has to be linking. Rich wrote an article about linking the other day and in it he talked about linking to some of your older articles. If you have not read that post, I recommend that you do. I have caught myself forgetting to use links in post, so it happens and I can understand that. However, if we want to get pushed up in the search engines, we need to link like crazy and I am not just talking about in our articles on this site. We do it to all of our sites. Use links to your other sites through your signature and then you can make sure that you have it covered all the time.

Now, this is where most people stop when it comes to SEO. PREP does not. This is where the power of Wordpress extends to help push your SEO even further. This real estate network has a feature that allows for you to send trackbacks to other links that you have used in your post. This is a great way to get internal links built for your site, or maybe external links built using another site you own. Regardless, it takes linking to another level.

The last thing that I will talk about is the added feature of the All In One SEO Pack. For those of you that do not understand what this provides, let me state it like this. The All In One SEO pack gives you the added ability to optimize pages, post, and your site individually. Here are some features:

• Advanced Canonical URLs

• Fine tune Page Navigational Links

• Built-in API so other plugins/themes can access and extend functionality

• ONLY plugin to provide SEO Integration for WP e-Commerce sites

• Nonce Security

• Support for CMS-style Wordpress installations

• Automatically optimizes your titles for search engines

• Generates META tags automatically

• Avoids the typical duplicate content found on Wordpress blogs

• For beginners, you don’t even have to look at the options, it works out-of-the-box. Just install.

• For advanced users, you can fine-tune everything

• You can override any title and set any META description and any META keywords you want.

• Backward-Compatibility with many other plugins, like Auto Meta, Ultimate Tag Warrior and others.

In closing, mastering SEO is not something that will happen over night. I have seen Black hat tricks and grey hat tricks in SEO and I have seen both cost site owners their place in search engines when they are caught. In the long run, it is so much better to just do it the right way.

Positive Real Estate Professionals (PREP) can help you achieve the recognition you and your business deserve through our highly versatile and search engine optimized member websites, lead capture, and visitor friendly layout. If you are a professional who works in the real estate industry or one of the related fields that service the needs of the real estate industry then this real estate network can be just what you need to take your business to the next level. If you have questions or would like to join CLICK HERE.

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