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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
Homebuyer Tips
Dollars And Sense: Invest In Your 401k Or Pay Off Your Home
Job security for many people is an important aspect, but it might be overlooked if you don’t consider the unexpected, which often leads to unemployment. Take, for example, the pandemic that hit us in 2020, that left many people without jobs, especially in the leisure and hospitality industries. Not only that but as many were concerned about keeping Covid-19 out ...
Agent Advice
Between Family And Real Estate: Finding Balance As An Agent
It’s hard to understand the struggles and the demands of the real estate industry when you are outside of it. When was the last time you’ve been told that you are so lucky to have such a flexible schedule as a real estate agent? We both know that is an understatement because, in reality, finding balance in life while working as a real estate agent is more ...
Homebuyer Tips
Best Small Towns To Live In, North Carolina Edition
There’s a lot to be said for living in a small town. While they may not have the glitz and glamour of metropolitan megacities, small towns have a lot of perks that may not be immediately apparent but are very attractive none theless. While there’s plenty to be said for living in a big city, (some prefer it) it isn’t for everyone. If you’re ...
Homebuyer Tips
This is it. For the past weeks or months, every day has been at least partially spent thinking of, preparing for or planning this fateful day. You’ve laboured long and hard to make sure it comes without incident, and now all your hard work is finally going to pay off. What is this day, you ask? It’s closing day, baby. Now, there’s still a lot ...
Homebuyer Tips
So, you’re thinking of making the city of Clermont your new home. We get it; there are a lot of reasons why you might want to live here! With its beautiful weather, long list of attractions, gorgeous surroundings and exceptionally healthy job market, you’d be forgiven for thinking it’s about as close to being heaven on earth as we can get! But this ...
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