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!
Get in touch
Address
160 N. 1st Street , Albermarle - NC 28001
Phone
1-704-438-8339
Office: 1-704-851-8117
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 ...
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