About Kim Murray

We specialize in buying and selling homes throughout East Texas! Whether you are buying or selling your property or home, Platinum Properties is your East Texas connection. We know this area and are committed to helping you with all of your real estate needs.

Platinum Properties is a real estate business that was established to provide superior service. Our agents are all seasoned veterans of the real estate business and look forward to helping you in a successful transaction making sure everyone walks away with a smile. Our agents use several different media's to advertise and present your property. In addition, we are members of the Longview, Tyler, Dallas multiple listing services. If you're looking to buy or sell your property, call Platinum Properties today!

Platinum Properties Real Estate

Kim Murray

Real Estate Glossary Terms

Real Estate Commission

Amount a manger of real estate receives for his efforts. For example, a manger is to receive 2% of rentals collected as compensation from the landlord to manage the property. If the rentals received in a given month are $1,000,000, the manager's commission is $20,000. Amount received by a real ...
Debit

In insurance, debit agents list of total premiums to be collected. This also applies to the geographical area in which an agent collects the premiums. ...
Encumbrance

Claim, such as a worker's lien, to property under the care, custody, and control of another. This situation occurs when a worker is not paid for labor provided. For example, a carpenter unable to collect payment for installing wood finishings seeks an encumbrance on the owner's property. ...
Exposure

Possibility of loss. The most cost efficient way to purchase insurance is to insure an unexpected loss with a low probability of occurrence. Insuring a loss with a high probability of occurrence means swapping dollars with an insurance company, since the premium charged would reflect the expected pr ...
Noninsurance Transfer

Risk management technique for shifting a corporation's exposure from itself. A risk manager looks at many alternatives to insurance to limit the risks a business firm faces. One transfer method is by contract, such as hold-harmless agreements, or to insert in an existing contract an endorsement stat ...

Real Estate Advice

Homebuyer Tips

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?

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

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?

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?

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 ...