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GLAR has two New Members: Angela Kolas (Keller Williams Realty Brainerd Lakes), Doreen Mahoney (Edina Realty) and LeeAnn Herheim (Area Lakes Appraisals)
The MLS Secretary’s Holiday Luncheon is Friday, December 9th at Matty’s on 371 in Baxter.
Please RSVP by December 6th.
We will be reviewing the MLS conversion that will take place in January.
The Greater Lakes Association of REALTORS and all it’s offices are drop off points for your local Christmas programs.
Make this Christmas the “best” for those in need.
Three little numbers can have a huge impact in your life – from what you pay in interest to whether or not you’re granted a new credit card. Just three little numbers. We’ve all heard of them, but what exactly is a credit score?
Your credit score is a 3 digit number calculated off the information in your credit report and is integral in helping lenders determine how much of a credit risk you are. Basically, a low credit score indicates that you present a higher risk of defaulting on your debt obligations than someone with a higher credit score.
Credit scores range from a low of 300 to a high of 850. Generally if your score is over 740 you are considered near the top and will reap the benefits when applying for credit, insurance and even employment. There is not a specific lower score cutoff point. Individual entities can determine what their floor is depending on the type of credit requested.
The formula used for calculating your credit score is complicated and not many people understand all that’s involved. What’s important is how to keep your score in good standing.
- Pay your bills on time – one late payment will drop your score, especially a late on your home loan.
- Keep your credit card balances to credit limit ratio low – have several credit card accounts at their maximum limit will lower your credit score.
- Don’t open several new accounts in a short window of time – this creates credit inquiries and too many in a short time will drop your score. Also too many new credit card accounts may look bad to a prospective lender even if you don’t use them.
- It is better to pay down your debt than moving it around from card to card even if they are offering a lower interest rate. By doing this you create an inquiry and a new account.
- Longevity helps boost your score as well. The longer you’ve established a good credit track record the better your score will be.
If you’ve had problems in the past, it is possible to reestablish a good credit history and get your score moving in the right direction. It takes time, determination and responsible credit usage but it will be worth the effort. For more information on your credit scores, how they affect you and for help with managing your credit contact your local banking professional.
This information is brought to you by the Greater Lakes Association of REALTORS
GLAR members are invited to attend the Emerging Markets Homeownership Initiative Annual Summit on Wednesday, December 7, 2011.
EMHI has applied for 3.5 hours of CEU’s for Real Estate professionals for the FREE morning session… with an additional 4 hours of CEUs for Sue Didier’s class she’s developed in partnership with the statewide association.
Need Real Estate Education? Register now for classes October 26 and 27th.
Will This House Pass FHA Inspection? & Vacant Home Winterization
October 26, 2011 8:30 – 12:15 3.75 hrs credit
Thomas Stone, Speaker
An FHA guaranteed loan is an attractive financing option for buyers, but there are many requirements that must be met before the home loan will be approved. This class will cover the various requirements that are included in an FHA inspection and will assist the real estate professional to help buyers and sellers use this type of financing. The instructor will also explain the winterization process for vacant homes and who is responsible for them.
Avoid Pitfalls by Learning the Answers to the “Hottest” Questions on the Legal Hotline
October 26, 2011 1:15 – 5:00 3.75 hrs credit
Don Smith, Speaker
This course will identify and discuss the most common questions/issues raised by callers on the MAR Legal Hotline. The instructor will draw on his insight from receiving 200-300 calls per month to offer ideas on how to avoid common mistakes and pitfalls. Hear actual scenarios about common legal claims made against real estate agents, areas of continuing confusion in agency, advertising do and don’ts, the potential pitfalls with the increasing use of contract for deeds, and common intra-company issues, along with tips on minimizing liability and practical guidance in handling problems in these areas of practice. Course is equally suited for novice and veteran agents and brokers.
Successfully Marketing HUD Properties-
in Partnership with BestAssets
October 27, 2011 9:00 – 12:00 3 hrs credit
Gardner Story and Christopher Martinez, Speakers
COST (Non-Members): You may purchase an education card for $175, which covers all our education through June 2012, or pay $15.00 per credit hour. Please include real estate license number and mailing address. Payment is due in advance of class date, please. Visa & MC Accepted.
This course will provide instructions for becoming a HUD registered broker and guidelines for submitting proper bids for HUD properties. We will discuss marketing tactics and how to properly submit a HUD 9548 sales contract along with appropriate addendums.
Register at www.greaterlakesrealtors.com
New MLS Only Member: Courtney Hanson (Ridgeline Appraisal Service)
Our REALTOR® of the Year has been a fulltime, professional REALTOR® since 1998.This outstanding leader gives his time andenergy to many, always bringing forth fresh ideas. For over 10 years he has taught firsttime home buyers about the real estate process through Home Stretch, a Greater MNHousing program. Additionally, he currently serves as a member of the Brainerd HousingTask Force, whose goal is to improve neighborhood real estate values and monitorcondemned housing levels. He is also anactive member of our local Rotaryorganization and spearheaded the PositiveCharge campaign which injected a renewedsense of community into the area. The GLAR 2011REALTOR® of the Year, a very deserving Jeff Torfin.
The Greater Lakes Association of REALTORS® held their Annual Installation of Officers October 5,
2011 at The Greater Lakes Association of REALTORS in Baxter. The Minnesota Association of
REALTORS® President Elect June Wiener installed the new officers. New officers for the 2011-2013
year are: President Rebecca Sellnow, RE/MAX Lakes Area Realty; President Elect Pat Wiebusch;
RE/MAX Lakes Area Realty; Secretary Jeff Torfin, Positive Realty; Treasurer Tim Bosch, Weichert
REALTORS® Tower Properties; Directors: Brandon Pederson, RE/MAX Lakes Area Realty; and TJ
Simon; Wolff and Simon Real Estate.
Members continuing their terms: Past President Kevin Goedker, Goedker Realty; Jim Christensen,
Kurilla Real Estate; Linda Proctor, PrimeLending; Linda Steffen, C-2 Brainerd Realty; and Dinah
Sundberg, Edina Realty.
Installed for the Greater Lakes Multiple Listing Service: Director Andy Hayes, Positive Realty.
Members continuing their terms: Past President Carol Medek, C-21 New Horizons; President
Sandy Arildsen, C-21 Brainerd Realty; President Elect Rob Birkeland, Larson Group Real Estate;
Secretary Dan Kavanaugh, Weichert REALTORS® Tower Properties; Directors; Taylor Fitterer, C-21
Brainerd Realty and Liz Martin, Kurilla Real Estate.
Jeff Torfin of Positive Realty received the REALTOR of the YEAR Award.
The Greater Lakes Association of REALTORS ® has real estate professionals in Aitkin, Cass, Crow
Wing, Hubbard, Mille Lacs and Morrison Counties.
View the map at www.co.crow-wing.mn.us. Go to the Land Services Department tab. This map has been updated to current and desired future development patterns.
Oct 25, 2011 4:00 pm – 7:00 pm
Oct 26, 2011 9:00 am – 12:00 pm
The CWC Planning Commission will hold a public hearing in November.