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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!

Century 21 Russ Hollins Realtors

Sheila & Michael  St Germain Realtors

Sheila & Michael St Germain Realtors

1-704-438-8339

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160 N. 1st Street , Albermarle - NC 28001

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Real Estate Glossary Terms

  • Fence

    Connected group of wires, woods, or other materials surrounding real property to either protect it or act as a barrier against others. ...

  • 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 ...

  • 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 ...

  • 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. ...

  • 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

Home Loans With 0 Down Payment

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 ...

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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 ...

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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 ...

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What Car Should A Real Estate Agent Drive?

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How To Become A Real Estate Agent In Nashville?

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 ...

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