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About Kevin S. McCullough
Kevin S. McCullough has over twenty (20) years of experience in mortgages, legal, and all aspects of real estate. Prior to the inception of McCullough & Associates Realty, Inc. he was a mortgage broker for almost a decade and dealt with Conventional Fannie Mae and Freddie Mac lenders, HUD and VA/FHA programs, Private and Hard Equity Lenders, Non-Conventional or even Sub-Prime Loans. Then when the market took a downturn he was hired at a law firm to handle their day to day business management and marketing.
His knowledge is extensive along with his experience from getting helping others get approved to purchase homes all the way through closing and home ownership. He is also Certified as a MILITARY RELOCATION PROFESSIONAL and really looks forward to assisting those that serve our Country. He understands military life from his Army ROTC training at Valley Forge Military College and is very easy to communicate with via email. He has had dealings in property management overseeing multiple rental properties at a time and even has many commercial clients that utilize him for property acquisitions and then often times the leasing of those spaces. He is experienced with Retail Spaces as well as a variety of Warehouse and Industrial Properties.
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Real Estate Glossary Terms
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Progress Payments
In a construction loan, payments made to a contractor as the various construction stages are completed. The contractor uses progress payments to pay the various subcontractors and suppliers as construction proceeds. For example, a bank gives a contractor a $125,000 construction loan. It pays $30,000 ...
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Fellow, Society Of Actuaries (fsa)
Designation earned by passing 10 national examinations on subjects including mathematics of life and health insurance, actuarial science, insurance, accounting, finance, and employee benefits. Examinations and course materials are prepared and administered by the Society of Actuaries. ...
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Future Insurability Guarantee/Future Increase Option
Option clause in a disability income policy that the insured can exercise that would permit the insured the right to purchase additional limits of coverage regardless of the insured's physical condition. These additional purchases are limited by the insured's age and a maximum dollar amount, as well ...
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Other Insureds
Individuals or organizations covered by property and liability insurance other than the named insured. For example, under the personal automobile policy (pap), other insureds under Coverage A Liability are the named insured's spouse, other relatives living with the insured, and any other person usin ...
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Savings Element, Life Insurance
Buildup of policy cash value, as distinguished from the death benefit. A policyholder has a choice between surrendering the policy for its cash surrender value or keeping it in force for its death benefit. The rates of return on cash value policies, such as whole life insurance, universal life, or v ...
Real Estate FAQ
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What Is The Average Home Price In Land O Lakes Florida?
Land O’Lakes is a CDP(census-designated place) located in Pasco County Florida, in the Tampa B ...
Real Estate Advice
Homebuyer Tips
Most Promising Real Estate Markets In The U.S.
While 2020 has been a challenging year for many of us and the global economy in general, it was a pretty intriguing period for the real estate industry in the United States. The pandemic and all the myriad changes which were brought along with it, such as working remotely, continue to reshape the landscape of real estate investing. While many people are selling their ...
Agent Advice
How To Become A Better Real Estate Professional
If you’re in the real estate game, you know that staying at 100% is crucial if you want to achieve success. If you slack off for as much as a minute, you might lose your edge and fall behind the rest of the pack. It’s not enough to stay stationary; you’ve got to constantly be moving forward with every aspect of your career. For newer real estate ...
Homebuyer Tips
Choosing a new city to call home is a challenging task. You’ve got to consider a myriad of factors such as public safety, cost of living and job availability. You have to ask yourself whether or not the attractions available in the area are suitable for your tastes, and whether or not the climate suits your preferences. All these factors are important and need ...
Homebuyer Tips
Living In Miami FL, America's Cleanest City
Immaculate beaches stretching as far as the eye can see, bordered by the cerulean blue Atlantic ocean. Thousands of energetic spring breakers and partygoers moving together in time to the thunderous sounds and spellbinding lights of an EDM concert. Luxurious waterfront mega-mansions and towering downtown office buildings dazzling all who behold them. What do all of ...
Homebuyer Tips
Pros And Cons Of Living In Land O’Lakes Florida
If you love the coastline vibes and gorgeous orange sunsets, then Florida is the State for you! In the Sunshine State, there is no shortage of such places, and one of the most popular coastal areas is the Tampa Bay region. If you are looking for the perfect weather, coastal vibes, and a cozy beachfront home, then this is the place for you. On the other hand, these ...
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