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About Norma Cardenas
Born and raised in Edinburg, I have a BBA with a minor in English. After teaching business subjects for ten years, I retired after 20 years as a hospital administrator. Retirement didn't work for me - I need to be busy and active, so I became a realtor in 2012. My family has over 110 years in the real estate industry, so it was a logical move for me. I love meeting new clients and helping them through the selling or buying process! I have been involved in the community all my adult life, serving on numerous civic and charitible boards and organizations. These include two terms as a McAllen ISD Trustee, Leadership McAllen, and the McAllen Chamber of Commerce. I was honored as McAllen's 1990 Woman of the Year and received a national award from my college sorority, Kappa Delta, for community service. There is so much growth and potential in The Rio Grande Valley and I so appreciate being a part of it!
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Real Estate Glossary Terms
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Business Life And Health Insurance
Coverage providing funds for maintenance of a business as closely to normal as possible in the event of a loss of a key person, owner, or partner. ...
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Expense Limitation
Ceiling on expense reimbursement allowance, as stated in New York insurance law, that an insurance company licensed in New York State can give its agents. This is one reason why a company that is admitted (licensed) in all states but New York may have a sister company doing business only in New York ...
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Future Service Benefits
Retirement payments to be credited for future years of service with an employer. ...
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National Building Code
Set of standard safety guidelines adopted by many states to help provide uniformity in building construction and guard against fire hazards and other unsafe conditions in buildings. ...
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Pension Benefit Guarantycorporation (pbgc)
Independent federal government organization authorized by the employee retirement income security act of 1974 (erisa) to administer the pension plan termination insurance program. Its function is to ensure that vested benefits of employees, whose pension plan is being terminated, will be paid as the ...
Real Estate Advice
Agent Advice
Best Real Estate Companies For New Agents
If you are just getting started on your journey as a real estate agent, you probably have plenty of motivation and excitement for this new beginning. Going through those licensing courses and studying for your licensing exam finally paid off and you feel accomplished. There is a long journey ahead of you and the first years as a real estate agent are certainly not the ...
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 ...
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