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About Beverly Richardson

Charles Rutenberg Realty Inc. of Tampa Bay. Serving Clearwater, Tampa, New Port Richey, Sarasota, Orlando and surrounding areas.  Call us if you are buying or selling in Pinellas County, Hillsborough County, Pasco County, Hernando County, or Manatee County.  We are your source for Tampa Bay Real Estate. Call the Information Center 7 days a week at 727-242-2215 or 813-787-6243. If you own real estate that you're thinking of selling, we would be happy to provide you with a FREE Home Evaluation. Let us show you how to SAVE BIG $$$ with our special commission rates.

If you are buying a home In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in Tampa Bay with my New Listings Notification

 

Charles Rutenberg Realty Inc.

Beverly Richardson

Beverly Richardson


 

Real Estate Glossary Terms

  • Tenure In Land

    Classification of one's ownership rights in land. One way either buy the land and own all rights to it or lease it where one's rights are described in and limited by the lease agreement. ...

  • Fully Amortizing Payment

    The monthly mortgage payment which, if maintained unchanged through the remaining life of the loan at the then-existing interest rate, will pay off the loan at term. ...

  • American Agency System

    Marketing of insurance through independent agents; also called independent agency system. Independent agents usually represent several insurance companies and try to insure the risk according to availability of coverage and most favorable price. Independent agents are paid a commission in the form o ...

  • Risk-based Capital Statistic (rbcs)

    Ratio of authorized control level risk-based capital of an insurance company to its total adjusted capital. This statistic determines regulatory action taken by the state's insurance commissioner. If the RBCS is greater than 200%, no regulatory action is required. If the RBCS is between 150 and 200% ...

  • Teachers Insurance And Annuity Association-college Retirement Equities Fund (tiaa-cref)

    Life insurance company that sells life insurance and annuities to the faculty and staff of colleges and universities. Its TIAA-CREF Tax-Sheltered Annuity (TSA) uses a traditional fixed dollar annuity, the TIAA portion, and a variable dollar annuity, the CREF portion. Most participants have a split f ...

Real Estate Advice


 

Homebuyer Tips

Home Loans With 0 Down Payment

Home Loans With 0 Down Payment

Mary V. has always adored the fairytales her mother used to read before going to bed. Since then, she had been dreaming of her own place to call home, which gradually became smaller and smaller. She left behind the gold-plated palaces and castles of her childhood memories, and now, in her early 20s, she would be more than happy to live in a small cozy one-story house ...

Homebuyer Tips

How Can You Improve Your Credit Score?

How Can You Improve Your Credit Score?

The almighty Credit Score: The banking industry revolves around it. Landlords demand it. And everybody is concerned about their three digits that reveal how well they are doing financially. The FICO® Score and the VantageScore are two systems that measure your creditworthiness. Both can be between 300 and 850. Of course, the higher, the better. Understanding credit ...

Homebuyer Tips

All About The USDA Loans

All About The USDA Loans

What does any real estate agent listed on RealEstateAgent.com appreciate more at homebuyers? Their flexibility and their openness when it comes to exploring the many different types of loans that are available for them. In this article, we will explain how USDA loans work. In fact, Section 502 Single-Family Rural Housing Loans can have two forms. The first one is the ...

Agent Advice

What Car Should A Real Estate Agent Drive?

What Car Should A Real Estate Agent Drive?

 Okay, we know this question is quite strange. So, is there a link between real estate and cars? Really? What do cars have to do with an agent’s ability to sell a house? Well, you may fall into the trap of thinking that a nice car can propel your real estate career. To some extent, you are right. Clients can be naive. However, if we were in their shoes, we ...

Agent Advice

How To Become A Real Estate Agent In Nashville?

How To Become A Real Estate Agent In Nashville?

Millions of people move every year either within the same city or from one state to another. And as you might guess, real estate agents are as busy as a bee in the states with most inbounds. The top 5 states that attracted new residents in 2018 are Idaho, Arizona, South Carolina, Tennessee, and North Carolina. With a vibrant economy and non-stop entertainment, the ...

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