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About Joan Means
Joan Means is a real estate professional with Century 21 Bradley, and she has a passion for serving her clients. With years of experience in the real estate business, enthusiasm for connecting sellers with the perfect buyers and buyers with the perfect home, and access to Century 21 Bradley's extensive network and cutting-edge technology, she knows that if her client is happy, she's done her job.
Real Estate Glossary Terms
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Abutter’s Rights
When someone owns a house that is an abutting property, it means that the property is sharing a boundary with the property next to it. The two abutting properties are adjoining properties as they share a boundary and are the closest in terms of proximity. When someone says a house is abutting, it me ...
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Blended Rate
Interest rate that exceeds the rate on the old loan but in less than the rate on new loans. It is usually offered by the lender to encourage home buyers to refinance existing, low interest rate loans as an alternative to assuming the existing loan. ...
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Fannie Mae
Wondering who is this Fannie Mae person that your real estate agent always mentions when the subject about mortgage is brought up? Fannie Mae is not a person, nor a Woody Allen female character – but the way people commonly refer to The Federal National Mortgage Association (FNMA). But, to b ...
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Dean Analytic Schedule
Rating method for commercial fire insurance according to a predetermined schedule. Published by A. F. Dean in 1902, this method was the first comprehensive qualitative analysis procedure to take into consideration the numerous physical factors impacting the fire exposure. No longer widely used, beca ...
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Flat Maternity Benefit
Stated fixed payment for maternity costs regardless of the actual costs. ...
Real Estate Advice
Agent Advice
Digital Trends That Revolutionized The Real Estate Industry
Of all the inventions that changed the real estate game, none have changed it as profoundly and irreversibly as the internet. This technology opened up a world of new possibilities and opportunities for real estate professionals working at every level in the field of real estate. From the lowliest copy room workers to the moguls and brokers at the very top of the ...
Homebuyer Tips
Homebuyer - Realtor Relationship In A Period Defined By COVID
At the beginning of 2020, a pandemic swept across the globe. The coronavirus or SARS CoV-2 became public enemy number one due to its unpredictability in spreading and affecting human health. Specialists soon discovered the exponential damage it can exert causing respiratory tract infections, from mild to lethal. As a result of the virus, a series of protective ...
Homebuyer Tips
House Hunting Goes Digital In 2021
As you are already aware, the global pandemic kicked in 2020 inconsiderately switching up the rules of the game. An unwelcome guest, SARS-CoV-2 (COVID-19), proved to be a tough opponent. As a result, governments were obliged to implement similar responses in the form of severe restrictions, namely lockdowns, the principle of social distancing, and even tighter health ...
Homebuyer Tips
The Idyllic Suburbs Vs. Vibrant Downtowns
Where is it better to live? Where is living more cost-effective? Where will I have to say hello to everyone I meet? Should I remain in New York City or better move to Jericho 29 miles away? Let our real estate agents help you decide! There are many reasons, pro, and con, for both living in the suburbs or the city. Besides the apparent financial aspects, there is an ...
Agent Advice
Cryptocurrency-Friendly Realtors
For decades, the world of finance was an oblique, inaccessible sphere that only those with the proper education and preparation could hope to break into. Hedge funds and investment firms reigned supreme, firmly holding a monopoly on everything even tangentially related to the industry of making money by spending money. This was an era defined by elitist financial ...
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