How to Stage Your Home to Sell

n a manner of speaking, staging your home is putting its best foot forward: you're setting up each room to look inviting to prospective buyers of all types. Showcase your home’s best features, and minimizes any flaws. Clean and clear Ideally, you’d start with a completely empty home, painted in neutrals and perfectly clean. In reality, you get as close to this ideal as you can by boxing up personal items, clearing out closets and stacking everything neatly in your tidy and [now] organized garage and attic. Items that must stay out in the open need to go in bins or baskets to keep your home free of clutter. This includes toys and kitchen and bathroom items you need to use daily. And of course everything must be dusted and cleaned of fingerprints and footprints! Start the staging Your rooms should look inviting, but they still need to have the minimum furnishings possible so buyers can imagine their own belongings in there more easily. Play to the strengths of each room by accenting its best features. Create conversational groupings in common areas. Light it up Bright lighting make the room look warm and welcoming. Chase away dark corners by using both ambient lighting and accent lights. Head outside Your patio and yard should also be selling features. Clean up the furniture, make sure the cushions aren’t sun-faded, and get the garden in shape. If you don’t have a green thumb, large potted plants can dress up the exterior. Make every space count Dress up a Spartan guest room with a comfy chair and pretty lamp to create a cozy reading spot. The guest room should be obviously a guest room; the same goes for the office. Ambiguity in a room’s purpose can be confusing to homeshoppers. Make it clear what each room is for. If you have an oddly shaped landing, or a little nook in the living room, don’t ignore it: show its potential. Keep up daily This can be the hardest part! But while your home is on the market, you need to keep the garbage empty, the laundry folded, the pet toys out of sight, and the cap on your toothpaste. It’s hard to show your home while you’re still living in it, but you need to think about what a new homeowner will be looking for: a fresh start and a place for their family and their belongings. You want your home to appeal to the most number of people possible. Keep these tips in mind to help your home sell quickly and for more money!

Dinner Starters Between Kids and Parents

They just had a lot of research done on how important it is to have family dinners and get dialogue going with the kids.  A vendor happened to send me this information and I wanted to share with you.  The link has great conversation starter for all different ages so check those out as well.  Hope you enjoy! Dinner Dialogue   Communication between parents and kids has never been easy—in fact, one aptly titled parenting book first published in 1957 was called, "Where Did You Go? Out. What Did You Do? Nothing." If you need a little help getting your family to talk around the dinner table, here are some helpful facts and ideas to get the conversation going. Fact: Family dinners are good for you!Many scientific studies over the past 15 years confirm regular family mealtimes are good for the brain, health and morale of all family members; lower rates of substance abuse, teen pregnancy, depression, obesity and eating disorders; and lead to higher grade point averages and self-esteem. Build a strong foundation. Children are easily discouraged by disinterest, disapproval and distraction so avoid checking your voice mail or email during mealtimes. Make dinner the exclusive domain of your family, and take time to set the stage for your kids to show them you're willing to give as much, or more, of what you're asking of them. Set the example and focus on the short time you have together. Use conversation starters. Even young children want to be recognized and included in dinnertime chitchat. While sometimes a simple, "What did you do today?" will result in a great conversation, usually kids need a gentle nudge to get things going. But even teens can be lively conversationalists (just ask their friends!) with only a little encouragement. Test a few of the conversation starters below: "What can your favorite toy or cartoon character do that you'd like to do?" "If you could be an animal, what would you want to be, and why?" "What was the most memorable dream you've ever had? What happened?" "If you had three wishes, what would they be?" "What's the craziest thing you've ever eaten?" "Did anyone read anything interesting online or in the newspaper today?" "If you could have one person over for dinner, who would it be? What would you talk about? What food would you serve?" "Do you know how your parents met?" "Do you know some of the lessons that your parents learned from good or bad experiences they had when they were kids?" "Do you know some of the jobs that your parents had when they were young? What would you like to do for a job when you grow up?" Check this link for more great conversation starters for all ages. And remember, you can encourage your children to speak up when you speak humbly and unabashedly. Revealing an embarrassing or challenging experience can help your children realize it's okay to open up. Sources: The Family Dinner Project, Purdue University Center for Families

The Housing Market Heats UP as We Get Into Spring

Spring brings out the buyers many of whom want to be ready when school goes back into session in the fall.  Giving them the opportunity to get moved in and the kids settled in a new school.  New homes are certainly on a lot of buyers minds with the Wall Street Journal reporting that the sales of new homes is going gangbusters. The sales of re-sale homes is not picking up quite so fast.  There are several reasons for that including the lack of re-sale homes on the market, and the desire to have that brand new home.  It also takes 30 to 45 days to complete a sale on a re-sale home and the number of sales in this area is not tracked until the home closes escrow and is recorded.   New home sales are tracked differently so sales are reported earlier. It is always best to look at the number of homes pending on the re-sale side as that is the best indicator of how the market is doing most recently.  Pending sales are up and are 8.4 percent higher than last year at this time.  This marks the fifth time for year over year gains. The National Association of Realtors says current activity in the re-sale homes "is convincingly up compared to a year ago despite the lower levels of homes available". "The difference this year is the positive factors supporting stronger sales, such as slightly improving credit conditions, more jobs and slower price growth." states Lawrence Yun chief economist for NAR. A March CoreLogic report also showed that January home prices rose nearly 6 percent from a year ago. In 2013, investors were blamed for pushing prices upward, but it has been suggested that prices are rising again due simply to a lack of inventory in markets large and small across the nation. This news could result in a very competitive housing season for homebuyers. Freddie Mac is also expecting 2015 to be the best year for home sales and new construction since 2007, according to its March 2015 U.S. Economic and Housing Market Outlook. Freddie Mac cited an improving job market, rising rents and expanded credit availability as some reasons for its positive outlook. Bottom Line for Homebuyers: This is an exciting time for home buyers, with more newer homes available, and continued lower interest rates.  Even when buying a new home it can be a big help for the home buyer to have their own Real Estate agent to work on their behalf through the process. (This is without cost to the buyer)  Please call us or text us if you have anyquestions and be sure to check out our Web-sites at www.sborchelt.golyon.com or www.skrohn.golyon.com.   Phone:  Sandy 916-544-2066  or Steve 916 425-1100.

Day in the Life of a Realtor

We find many agents get into the business not really understanding what it takes to be a Realtor, and sometimes even clients say "you have such an easy job and you can work whenever you want". Our job is most often fun and fulfilling because we are helping people with one of the biggest decisions of their life, but there are also a lot of challenges.
I would guess most people will think that Realtors just sit around and wait for someone to call them to buy or sell a home, Well that is far from the truth for most of us.  Our day usually starts by being in the office between 9-10 AM.  The first order of most days is to touch base with your current clients, then to touch base with some of our past clients, and then work on marketing for our future clients. If you are not always keeping in touch with your past, present, and future clients your business comes to an abrupt stop.

For our past clients, we sometimes touch base by phone, by mail, and sometimes we try to visit them and see how everything is going in their new home. Since referrals are a large part of our business we always need to be working with our past clients, Maybe a phone call, maybe an item of value ( Some people enjoy a magazine every few months, something they will like about traveling, interesting article's, and good recipes), every month we send market information so they can see how the market is going and the current home value of homes in the area, We also try to get some kind of news letter out each month with market information, calendar events for the area, recipes, and fun items.  We develop each and everything we send wanting to make it unique, different, interesting, and of value. We also once in awhile stop by to see them with maybe a small gift.  All we are hoping is that they find value in some of the things we send and think of us in the future if they need anything.  Yes, we love the referrals, but we also love staying in touch with you.

From time to time we call all our clients on our data base just to see how they are doing, if they have any questions, have friends or relatives that need any real estate help, or perhaps their real estate needs have changed.

For future clients we have to always be marketing, developing fliers that we think may be of some interest or value mailing them or going door to door with them hoping to meet new people that we can add some value to.  Relators are a great source of information for people, we have lists for all kinds of trade people that
homeowners may need from plumbers, handymen, tax people, home warranty company's to lawyers, and everything in between.   These are people that we know to be honest, reputiable and fair priced based on what our clients have told us about them. So when you need any kind of service about your home, home loans, or almost anything else you can think of,  call your Realtor first for a good referral.

We have what is called a (farm) of 700 people who we hope to have as our future customers and we mail or walk the homes and provide information so people in the area will get to know us, like us, trust us, and hopefully use us in the future if they need a Realtor.

Then we have our current clients where our first priority needs to be each day.  We have clients wanting to go out and look at homes, clients who want a proposal for selling their home, and clients we currently have in contract. Most of us have transaction assistants who help us with the timelines and accuracy of our paperwork. Once in contract paperwork must move through the process on a very timely schedule so it is important to have someone who is always in the office that can move that paperwork when it needs to move on to the next person.

As Realtors we handle the negotiations with other Realtors, title, and your loan agent that are involved with the closing process of your home.  We also handle, schedule, and attend the inspections and appraisal.   We are the person that is working on your behalf through the entire process of you buying or selling your home. (Short sales take very special handling so a good Realtor that has been trained and skilled in this area is very important).   We also need to be trained and skilled in land sales, mobile or modular home sales, and commercial property.  Each and every sale is different so we need to know all the answers, and when we don't have the answer we have a group of skilled people we rely on to get them.
Usually, our mornings and mid-afternoons are spent Monday through Friday on the above clients, and the 3-4PM to early evenings are left open for new client appointments (Buyers or Sellers). Of course those times are often suffled around to mee the needs of our clients.

Our Wednesday mornings are spent in meetings, training , and tours of the new homes for sale.  We also have floor time 3-5 times a month where we are scheduled to be in the office available to answer phone calls or help walk-ins needing help and information about possibly selling or buying a home.
All of the above is our only resources for new clients, and referrals and must be worked almost daily to keep up.

Weekends are great times to show homes so we often find ourselves working 6-7 days a week.  Our schedule is always changing so we can accomendate our clients.  Real Estate is not for the faint hearted as it takes a lot of hard work, time, and money to even get to the point of getting into contract on a home.  Then during the 30-45 day escrow period on a home a lot can go wrong, the home doesn't pass an inspection, the appraisal doesn't support the sales price, people change their minds on the home, can't get their financing, have emergencies, etc. Somethings can be worked through and the sale continues and others can't. Since Realtors only get paid when the sale closes (and should be that way), it leaves you having  to be able to handle disappointment and loss of income at every turn of the transaction.

As a realtor you always have to have a back-up plan for a payday, and a sufficient amount of money on hand to cover your marketing, business, and insurance costs.

We are also required to do a certain amount of on going training to stay on top of market changes, legal changes, new paperwork, and basic real estate practices.
If anyone thinks it is a part time job or that Realtors don't work I am here to tell you that only the unsuccessful Realtors don't work, the rest of us do a lot of work behind the scenes that the buyer or seller never sees.

Home Inspection Reports

1. A home inspector's report will review the condition of the home's heating system, central air conditioning system (temperature permitting), interior plumbing, electrical systems, roof, attic, visible insulation, walls, ceilings, floors, windows, doors, foundation, basement, and visible structure.
2. What is a home inspection?  It is a visual inspection of the structure and components of a home to find items that are not performing correctly or items that are unsafe. If a problem or a symptom of a problem is found the home inspector will include a description of the problem in a written report and may recommend further evaluation. Before you close an escrow, you need to consider whether or not repairs are needed now and who's going to pay for them. ( Your Realtor will negotiate these items for you)
3. Why is a home inspection recommended?  Emotion often affects the buyer and makes it hard to imagine any problems with their new home. A buyer needs a home inspection to find out all the problems possible with the home before moving in. Once your inspection is performed, do not wait on the agent to assist you. Review the inspection and make a list of items you think the seller should address and present them to the agent in a timely manner. While the inspection is not meant to be a tool for re-negotiations, many times it becomes one. Don't let your brother or uncle or a friend do it. You are not saving any money by letting a friend look. Even if he is a contractor, it does not mean that he is a good inspector. You need a qualified, unbiased inspection, so when the inspector does find problems, they won't be easily minimized by the other parties because your uncle or friend did the inspection.
4. What if problems are found?  All homes (even new construction) have problems. Every problem has a solution. Solutions vary from a simple fix of the component to adjusting the purchase price. If the inspector recommends further inspection by a qualified person, this means that you need to get an opinion by a qualified person before your inspection time period runs out on your real estate contract.
5. What should I NOT expect from a home inspection?  A home inspection is not protection against future failures. Stuff happens! Components like air conditioners and heat systems can and will break down. A home inspection attempts to reveal the condition of the component at the time the component was inspected. For protection from future failure you may want to consider a home warranty. A home inspection is not an appraisal that determines the value of a home. Nor will a home inspector tell you if you should buy this home or what to pay for this home. A home inspection is not a code inspection, which verifies local building code compliance. A home inspector will not pass or fail a house. Homes built before code revisions are not obligated to comply with the code for homes built today. Home inspectors will report findings when it comes to safety concerns that may be in the current code such as ungrounded outlets above sinks. A home inspector thinks "Safety" not "Code" when performing a home inspection.
6. Should I attend the home inspection?  It is often helpful to be there so the home inspector can explain in person and answer any questions you may have. This is an excellent way to learn about your new home even if no problems are found. But be sure to give the home inspector time and space to concentrate and focus so he can do the best job possible for you.
7. Information provided by HomeGage

Structural Pest Control Inspections

What is a pest inspection? Also called a termite inspection, this visual inspection is conducted by a state-licensed professional hired to look for signs of infestation or damage to a structure by wood-destroying pests. Pest inspectors look for: • Wood-destroying pests, such as termites, carpenter ants, rot fungus and wood-infesting beetles. • Evidence of pest activity, such as damaged wood, dead insects and termite tubes. • Conducive conditions for pests, such as standing water, earth-to-wood contact and plumbing leaks The inspector will visually inspect accessible areas inside a home (including crawlspaces) and the exterior of the property. In areas where drywood termites are prevalent and in houses where there are no subfloor crawlspaces, the attic is also inspected. The average termite inspection takes about an hour. Findings are recorded on a pest control inspection report.

When is a pest control inspection report required? State law does not require a pest control inspection report before the sale of property. However, many mortgage lenders do, to protect their investment. Companies are not responsible for conditions which develop or become visible after the inspection date. For that reason, it is advisable for a buyer to get an inspection report as close as possible to the close of escrow. If you are selling a home, you can save time by having your property inspected for pest damage just before you plan to put it on the market and making sure any problems are fixed. Some buyers include a termite contingency in their purchase contract, which allows them to withdraw from the transaction in the event of extreme damage.

How do I know which pest control inspector to use? Structural pest control companies and some home inspectors are licensed by the Structural Pest Control Board (SPCB) to do these inspections. Ask your friends, neighbors or a real estate agent to refer a company, or look in the yellow pages. Call a few companies and compare their fees. Ask for references and take time to check them carefully. Ask about the experience level of those who will perform the inspection. Request that the most experienced employees do your job. The SPCB cannot recommend a specific company but once you have selected a company, you can contact SPCB to ensure it is licensed and for a history of any complaints. You can also get this information from the SPCB Web site, www.pestboard.ca.gov.

What rights does a home buyer have to see reports on pest inspections and treatment? When a company is hired to do a pest inspection, it is accountable to both the buyer and seller, no matter who pays for the inspection. The company must give the person who ordered the inspection a copy of the report within 10 working days. The home seller or real estate agent usually delivers copies of the inspection reports to the buyer. You can also get copies from the escrow company. If you have questions about the reports, contact the company that made the inspection or that performed the work.

How can I tell if a house has been inspected before or if any work has been completed? Every time a licensed company makes an inspection for wood-destroying pests or organisms, it must post a tag in the attic, subarea or garage. The tag contains the firm’s name and the inspection date. A similar tag must be posted next to the inspection tag when the company completes any work. Besides the firm’s name and completion date, this tag must show any pesticides used. The structural pest control company must also note on an inspection report the location of the inspection tag as well as the presence of any other inspection tag or completion tag that is less than two years old. These reports are kept by the pest control company for three years. You can also search the SPCB Web site to see if a home has been inspected in the last two years. You will need to fill out a form or e-mail a request to SPCB to get a copy of the report.

What information must be in the inspection report? California law requires that the report include any wood-destroying insects (such as termites or woodboring beetles) or fungus. It should also note the resulting structural damage visible and accessible on the date of inspection. Also identified on the report are conditions likely to lead to future wood-destroying pest infestations such as excessive moisture, earthto-wood contact and faulty grade levels. A diagram on the inspection report must show every part of the house checked for signs of infestation or infections. Outbuildings are usually not inspected unless requested. It is important that the inspector understands what structures you want inspected and for you to make sure these areas were inspected. The report must state which areas were inspected and which were not because of inaccessibility. The inspector should also note recommendations for treatment or repair. If you did not order the report, be sure to check if it is a limited or a complete report before accepting it. For real estate transfers, a complete structural pest inspection report is preferred.

How long is an inspection report valid? Under the law, inspection reports and completion notices are valid for two years. This also means all complaints against licensees must be filed with SPCB within two years after the date of the inspection or completion of recommendations.

A structural pest control company must certify its inspection or work if requested by the person ordering the report. The company will certify that either: 1) The inspection disclosed no evidence of active infestation or infection by wood-destroying pests in the visible and accessible areas; 2) The inspection disclosed active infestation or infection in visible and accessible areas that have been corrected; or 3) The property is free of pest infestation or infection in the visible and accessible areas, except for specified areas. When a structure is fumigated, the fumigation company will issue a certification of fumigation within five days after completing the fumigation. Every completion report should be compared with a copy of the inspection report to find out if there are any conditions which have not been corrected or if secondary, substandard corrections have been performed.

Do all recommendations listed in an inspection report have to be completed before a home is sold? There is no law requiring that recommendations listed on a report be completed. However, many financial institutions require that both the inspection and all recommendations be finished before escrow can close. The lender usually requires certification from a pest control company that the structure is free of infestation or infection. Some financial institutions may be interested only in determining if recommendations have been completed correcting active infestations and infections and the resulting damage (Section 1 items). Other lenders (such as FHA and VA) may require that conditions that could lead to an infestation or infection (Section 2 items) also be corrected. A consumer may request a report from the pest control company that designates each item as a Section 1, Section 2, or unknown for further inspection. Whether the buyer or seller pays for the work depends on the sales contract. The buyer should be aware of any recommendations which have not been completed before escrow closes. When they work on a structure, pest control companies must complete a notice describing work they completed and work they did not. Review all reports carefully for indications that work has not been performed. The certification can be found on an inspection report, completion notice or cover letter. The certification may include disclosures in situations where all recommended work has not been completed. The inspection report and the completion notice should be delivered within 10 working days to the person who ordered the report and to the property owner or the agent.

Do I have to hire the same company to do the work that did the inspection? No, if they choose, consumers can hire a different company to do the pest control work. However, pest control companies will not certify chemical treatments performed by other pest control companies. The pest control company can reinspect items called out on its original report within four months of the inspection. The reinspection should be completed within 10 working days after it was ordered. If it has been more than four months since the original report, a full inspection of the structures on the first report must be done and a new inspection report issued. The report and any contract must detail the guarantees for work performed and the terms of that guarantee.

What if I find that a pest inspector overlooked some major problem? First, contact the inspector and explain your concern. Many will correct the problem immediately.

Information provided by SPCB.   If the problem isn’t resolved to your satisfaction, contact the SPCB. An investigator will work with you and the inspector to find a solution. Questions: Call the SPCB: 916-561 8708— in Sacramento 1-800-737-8188— outside Sacramento You can e-mail the SPCB at pestboard@dca.ca.gov. or write to: Structural Pest Control Board 2005 Evergreen Street, Su

7 Warnings Buyers Need to Know

Imagine that you’re scheduled for surgery in the morning and, since nobody told you not to eat the night before (they just assumed you knew not to), you gorge on an amazing Italian dinner at Luigi’s. The next morning, as you slip away under a blanket of anesthesia, you don’t even think to let them know about the gluttony of the previous evening.

Assumptions can be deadly, whether literally or to the pocketbook. While a real estate agent operating under the assumption that his or her client knows everything needed for a smooth transaction isn’t a life or death scenario, it is most definitely a sure path to a waste of time at best and a dereliction of duty at worst.

Do yourself and your clients a favor and figure out what they are most typically unaware of and then offer explanations during the initial meeting. Here are some of the most common things that buyers haven’t a clue about and smart ways to bring them up to speed.

1. Get preapproved or get disappointed

Versta Research (for a survey commissioned by Discover Financial Services) surveyed homebuyers last summer and 71 percent of them agreed with the statement “I’ve just started reviewing ideas, looking at homes, and exploring my options.” Only 22 percent of them had seen a lender.

So, most of them are just starting the process and the first step they took was to look at homes. Now, since 60 percent of them weren’t working with an agent at the time they were surveyed, it’s understandable they’d be going about it all wrong.

But, this wasn’t the first home-buying rodeo for more than half of the respondents, meaning more than half most likely worked with an agent in the past.

A good buyers’ agent understands the value of determining whether or not a potential client has visited a lender. A better one makes abundantly clear the ramifications of NOT seeing one — so clear, in fact, that by the time they’re buying their next home they remember.

Knowing how much they can spend is paramount, both in avoiding wasting your time and theirs. Then, there’s the fact that sellers want to see a preapproval letter. The one thing many agents don’t warn their clients about, however, is the danger of disappointment should the unapproved shop for homes, clueless about how much they can afford to spend or even IF they can get a loan.

Experienced agents know well the couple that fell in love with a house they found open on a Sunday afternoon only to learn later that it was way out of their price range. Nothing you show them after that will stack up.

2. Get to know the home loan process

In the aforementioned study only 41 percent of buyers had taken the time to figure out what they’d need for a down payment.

So, although it’s a given that agents should counsel their buyers that they need to see a lender before looking at homes, they also need to warn their clients about the out-of-pocket costs involved in the purchase of one.
Another warning that too many buyers don’t receive is about changes in their circumstances before they close. Sure, this should come from their lender, but it seldom does.

Remind your clients that it’s not a done deal until it closes. Changing jobs, making large purchases on credit and allowing credit inquiries after loan approval have all proven detrimental to many buyers. The lender’s soft pull just before closing should be explained fully to your buyers.

3. Make a wish list

This is the fun part of the process for your buyer but it’s actually a time saver for you. Sure, wish lists aren’t set in stone and we all know how quickly and drastically they can change. But, with your assistance, your buyers can create extremely helpful lists.

The best wish list is based not on their dreams, but on their fears. Find out what they despise about their current living conditions and, along with whatever other reason they have for moving, these items are good indications of why they want to move and what they truly want.

4. Don’t lack vision or buy into a manufactured vision

We’ve all had that buyer that can’t seem to look beyond ugly wallpaper, ratty carpets and even something as simple as dirty dishes in the sink. Before stepping foot in even one house, warn your clients that what they see may not necessarily be what they have to live with for the rest of the time they own the home.

On the other hand, you may want to warn them that what they see may not necessarily be what they get—especially if what they’re seeing is a model home. Staging adds the “wow factor” relatively inexpensively for the seller but at additional cost to the buyer. Caution to look beyond the sexy staging to the bones of the home.

5. Read and understand HOA docs

Ah, the HOA document package—at least a week’s worth of boring reading for people that aren’t prepared or qualified to read the legal jargon.

It’s all too easy for your clients to skim the docs or, worse yet, give up reading the minute the reading gets tough. As you know, what’s in those documents is information vital to both their budgets and their future comfort in their new home.

Their best bet is to pay an attorney to read everything and then explain, in plain English, the pertinent information. Counsel your clients to not sign anything until they fully understand the HOA documents. If they still insist on not reading them, or having an attorney read them, at least you’ve done your duty.

6. Make your offer in accordance with current market conditions

Most experienced agents are familiar with the buyer who feels that they have to bargain with the seller. Every home they make an offer on is yet another chance to lay on the “el regateo” like they’re in a bazaar, wheeling and dealing over a tschotske.

If you’ve explained current market conditions to your buyer, explain as well how these conditions impact their offer on a home. In other words, tell your clients not to lowball in a hot seller’s market, forget asking for too much in concessions and be willing to give a little bit.

The flip side should be explained as well— no matter how bad they want the house, if they’re in the driver’s seat (in a buyer’s market) they needs to slow down and avoid giving money away.

7. The inspection report may not be as bad as it looks

How about those humongous home inspection photos that make even the tiniest problem look massive? They’re enough to disturb even the most level-headed buyer.

Before the home inspection takes place is the ideal time to sit down with your buyer and explain the process. Let your clients know that the inspector is being paid to be nit-picky and, thus, the report may be quite lengthy and the photos may be frightening and misleading.

This simple explanation may just keep them from freaking out over the overly large photo of a wall plate-less electrical outlet. By the same token, let them know that many larger problems can be dealt with through negotiations with the seller.
Working with buyers is one of the more challenging aspects of being an agent, but it doesn't have to be. Make it a point to have the right conversations at the outset. These discussions do more than ease your clients’ concerns; they pave the way to a smoother transaction. That’s good for all concerned.

Information from Truila