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From the monthly archives:

May 2009

by Kerby Claney
Vice President – Stifel Bank & Trust
314-317-6873
email

Today’s Mortgage Rates:

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If you are in St. Louis, I’m happy to meet you wherever it is most convenient for you to discuss your financing needs.

I also serve clients needing mortgages and refinancing throughout the United States. Give me a call and we can talk about which mortgage product would be best for your individual situation.

Not sure if you should refinance? I’m happy to offer a free no-obligation consultation to help you decide if it makes sense for you to refinance.

The Fine Print:

The interest rate you receive will vary depending on a number of items including the down payment amount, credit scores and the length of time between rate lock-in and closing. To discuss fees and what your interest rate would be for you, feel free to email or call me to discuss your individual situation.

All rates are based on zero point loans.

*** This information is not intended to extend consumer credit as defined Section 226.2 of Regulation Z. Interest rates, program terms and conditions are subject to change without notice.

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About 2 years ago, I made the decision to leave the behind the safety net of the real estate brokerage which  provided me with all of the clients I could want. I knew that the long hours, non-existent days off and bad commission splits would never get better. If I wanted some balance in my life, I would have to find a way to generate enough business on my own. I talked to a lot of people, took a deep breath…and walked away from non-stop guaranteed clients.

I landed at The Kelsey Group, REALTORS, a locally owned independent brokerage. I have to admit that I didn’t do very much research before choosing Kelsey Group. I knew an agent at the office and she had wonderful things to say about the company. Plus, they had an affiliated company, Relocation Realtors, run out of the same office and promised to provide me with a few relocation clients as I built my own business. The compensation plan was so much better than at my old brokerage, and the owner promised to teach me everything I needed to know to get my business up and running.

It was a great decision.

I spent two years working with wonderful people. I learned to treat the housing market like an investment, focusing on housing appreciation rates and the impact of supply & demand on pricing. I decided I needed a website, then became a blogger. Before long, I became the company expert on blogging and social media, leading training sessions for the other agents. As my own business flourished, I shared my knowledge with my colleagues, rolled out an e-newsletter service and convinced the company to upgrade to the best home search software in the St. Louis area (Wolfnet’s IDX home search is the best!).

Last fall, I found out that the owner wanted to sell. I banded together with another agent and the office manager, and we tried to find a way to buy the company ourselves. After countless meeetings and many late night conference calls, I realized that it wasn’t the right move for me. I knew that change would come with new ownership. I started talking to other brokerages…just in case.

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I’ve Moved…to Keller Williams:

Two weeks ago, I joined Keller Williams Realty St. Louis.

It was the best decision I’ve made in a long time.

Keller Williams offers the training and services to help me take my business to the next level. With an even better compensation package than at my last company, I’ll have the resources to provide my listing clients with the best available marketing of their homes.

Founded in 1983 in Austin, Keller Williams has grown into an international company that is now the 4th 3rd largest real estate company in America. Though I’ve gravitated in the past to small locally owned businesses, I know that joining KW will give me access to cutting edge training and technology. Before choosing Keller Williams, I met with most of the other big brokerages in St. Louis, and a few independent ones too. I am positive that there isn’t a better brokerage in the St. Louis area for me and my clients.

Keller Williams is giving me a place to create my own small business. A business that is based on integrity, excellence and providing the best possible service to my clients.

The future looks bright.

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Bad MLS Photo of the Day #21

May 15, 2009

What is wrong with this picture?
My last Bad MLS Photo series post pointed out some bad fishbowl pictures. Another Digital Camera 101 technique that needs to be mastered is rotating a picture.
Tip: if there is a little arrow in the top corner of your picture when you view it on your computer, then you need [...]

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Bad MLS Photo of the Day #20

May 12, 2009

What is wrong with this picture?
Manchester home listed at $179,900
When real estate agents first started using digital cameras and posting pictures of homes online, there were a lot of terrible pictures. No one really cared since bad pictures were better than no pictures.
Not true anymore.
Buyers don’t want to live in a fishbowl. They want to [...]

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St. Louis Housing Market Reports are Worth the Effort

May 11, 2009

There are days when I wonder what I was thinking when I started tracking housing market statistics for 2 counties, 7 St. Louis City regions and 10 St. Louis County school districts.
As much as I like creating the charts and sharing the information with my blog readers, I always have to remember that my primary [...]

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Bad MLS Photo of the Day #19

May 10, 2009

What is wrong with this picture?
Crestwood home listed at $182,900
I’ve never understood why agents that take pictures of foreclosure home listings feel the need to open the kitchen cabinets, but I see it all the time.

This kitchen, minus the yellow stove, actually would look pretty nice if the cabinets doors were shut. Instead, the open [...]

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