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About Sheila & Michael St Germain Realtors
Meet Team St. Germain ** We are a Mother / Son Team!
Sheila relocated to Stanly County in 1998 with her husband Steve to raise their son, Michael and to enjoy the small town community life. Sheila quickly became part of the community by volunteering with the local Cub Scouts and the Stanly County Swim Club.
As a nearly lifelong resident of Stanly County, Michael graduated from Stanly Early College & Stanly Community College in 2012. He has been actively involved with community outreach, including Stanly County Relay for Life, Stanly County Swim Club, Stanly County Rotary Club and others.
We formed our Team in 2014 and to date we have Closed 178 Transactions!
Our favorite things to do in the area is hiking Morrow Mountain with our fur babies and being on the lake with family. We enjoy helping people with their transition whether it is going from Tenant to Homeowner, Relocation, Upgrading to a larger home or needing to Downsize. Nothing more satisfying than meeting you as a client and finishing the transaction as a friend! Call on Team St. Germain to discuss how we can help you...Now or in the Future!
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Real Estate Glossary Terms
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Fence
Connected group of wires, woods, or other materials surrounding real property to either protect it or act as a barrier against others. ...
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Personal Financial Statement
Document showing the financial health of an individual that may be requested for a loan application to buy real estate. A Statement of Financial Condition present assets at estimated current values listed by order of liquidity and maturity. Business interest that represent a significant part of tota ...
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Rollout
Method of terminating a split dollar life insurance policy by the company transferring its interest in the policy (after the company has effected the largest policy loan permitted equal to the cash value) to the insured employee. The insured employee, by accepting this transfer, incurs the obligatio ...
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Specific Stop Loss Insurance
Coverage that goes into effect when an individual's claim reaches a specific threshold selected by the employer who has self-insurance. After this threshold is reached, the policy pays claims up to the health insurance's lifetime limit per employee. ...
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Vesting
Entitlement of a pension plan participant (employee) to receive full benefits at normal retirement age, or a reduced benefit upon early retirement, whether or not the participant still works for the same employer. The employee retirement income security act of 1974 (erisa) mandates vesting under one ...
Real Estate Advice
Homebuyer Tips
Pros And Cons Of Living In Boca Raton
There is a lot to be said for living in Boca Raton FL. Beautiful weather, beautiful beaches and beautiful houses are just a few of the many, many pros of living in this gorgeous city. But, just like any other city, there are a fair few downsides to living here. Housing prices are astronomical, and property crime rate is even higher than the national average. ...
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
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 ...
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