Prudential Tropical Realty

One of the first thing that almost every Home Buyer needs to do is to get a Mortgage.

We are all aware that the mortgage industry has seen a liquidity drain in the past few weeks. Company after Company are going bankrupt or facing serious financial problems. Just in the past week or 2 American Home Mortgage, the nations 10th largest mortgage lender, went belly up and Countrywide faces 'unprecedented disruptions'.

Well, not all of the news is bad. Wells Fargo Home Mortgage (WFHM) has seen an increase in their stock price and has been able to steer themselves clear of the crisis that is confronting the nations home loan industry.

Prudential Tropical Realty is proud to be a partner with Wells Fargo Home Mortgage in our sister company - Capstone Home Mortgage.

A few facts about WFHM:

Wells Fargo is a well capitalized, diversified financial services company with a proven track record of generating 20-years double-digit annual compound growth.

Wells Fargo Bank is the only bank in the U.S., and one of only two banks worldwide, to have the highest credit rating from both Moody’s Investors Service and Standard & Poor’s Ratings Services.

WFHM is the nation’s #1 retail mortgage lender and servicer of home mortgages.

WFHM has long lived by responsible lending principles and made the right decision not to make loans with features that are inconsistent with its responsible lending commitment (for example, option ARMs and other negative amortizing products).

Wells Fargo continues to be a leader in responsibly originating and servicing residential mortgage loans.They remain committed to making homeownership possible for a wide spectrum of consumers and to keeping people in their homes.

WFHM collaborates with industry stakeholders to further improve the solutions we can offer customers who face financial difficulty including a proactive plan to help nonprime customers with impending ARM resets.

WFHM leaders have been invited to participate in numerous high-profile discussions including: providing testimony to a Congressional committee of U.S. House of Representatives, a Federal Reserve summit on responsible lending; a small group meeting with the chairman of the Federal Reserve.

WFHM has been identified by prominent public officials as an industry leader that views its responsibilities to consumers and investors seriously, and acts in the best interests of both.

There is NOTHING more important for a listing then Photos! Photos can make or break a listing.

According to Jacky Teplitzky, an executive vice president of Prudential Douglas Elliman Real Estate in New York (taken from an article in the New York Times entitled 'Making Every Pixel Count')

“Good photos will grab people’s attention and help you sell a home, Bad pictures will absolutely give you trouble, because you won’t have any calls on it, and nobody will come to see it.”

I am constantly amazed at some of the poor photos that agents put on some listings. How can customers accept this?

Take a look at the RE Agent in Connecticut Blog. He runs a daily feature entitled 'Bad MLS Photo of the Day'. He also has a 'REAgent Manifesto: Improving Real Estate Photos', that is well worth the read.

There is a great piece in the New York Times entitled 'Making Every Pixel Count', that instructs Realtors to do everything that they can to ensure that a listing has high quality, meaningful photos. The author, Vivian S. Toy, even goes so far as to create a multi-media presentation about the topic. This should be fundamental training material for not only Real Estate Agents but Sellers as well.

Clearwater, FL - Prudential Tropical Realty is pleased to announce Dale Smelser has joined the Countryside/Palm Harbor office, 2539 Countryside Blvd. Suite 3. Managing Broker, Ginger McQuigg, made the announcement recently.

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Land O Lakes, FL - Prudential Tropical Realty is pleased to announce Elizabeth McDowell has joined the Lutz/Land O’ Lakes office, 23026 State Road 54. Managing Broker, Marsha Northrop, made the announcement recently.

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Brandon, FL - Prudential Tropical Realty is pleased to announce Christine Kramer has joined the Brandon office as a Real Estate Agent, 3248 Lithia-Pinecrest Road. Managing Broker, Louise Key, made the announcement recently.

Kramer brings with her two years of real estate experience previously from Keller Williams.

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Brandon, FL - Prudential Tropical Realty is pleased to announce Michelle White has joined the Brandon office as a Real Estate Agent, 3248 Lithia-Pinecrest Road. Managing Broker, Louise Key, made the announcement recently.

White brings with her two years or real estate experience previously from REMAX where she earned her ABR Designation, Relocation Specialist Certificate and the REMAX Executive Club Award.

Michelle attended Newberry College and earned her Bachelor of Science in Accounting.

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