EXTREME HOME MAKEOVER | The New Age Home Eatery

It's that time of year when most people begin to assess their homes and commence the, ever-so-popular,  "Spring Cleaning", or the Extreme Home Makeover - where they pick out a DIY project or two that they've seen on a popular HGTV show, check out a YouTube tutorial or two, make a trip to Home Depot and Flip That House of theirs.  How do I know this is accurate? Well, my wife has us doing both of these initiatives right now… and I LOVE IT!! (especially if I want to stay happily married.)  At any rate, practical reasoning and real estate professionals agree that these projects can, and will, increase resell and property values of most homes.  As a matter of fact, our great friends at Trulia did a recent study to determine which rooms of the house potential homebuyers value the most.

Only second to the master bedroom and its walk-in closet, is the kitchen.  This makes sense: where you lay your head at night, followed by where you prepare the food you chow down on (I, personally, would have flipped this. Sorry, food is extremely important to me and my stomach.)  At any rate, since the master bedroom is pretty much an open space where you can make enhancements with the addition of stellar furniture and creative decor, I chose to focus on the kitchen: a place where permanent fixtures and structures are essential. Here are some helpful tips for you to create an EXTEME KITCHEN MAKEOVER!

1. Open up your kitchen design: A kitchen that encompasses a nearby dining area or adjoins the nearby living room makes for a prime entertainment gathering spot.

2. Incorporate an island if space permits. It's just plain "in style" and serves many purposes from food preparation space, to workspace, to space for having meaningful conversations about grades on a recent report card. This is the hub.

3. Cabinetry is one of the most expensive aspects of a kitchen, but one of the most essentials to the look. If you have a decent-sized budget, you can replace your cabinets with oak, cherry or stainless steel layouts. Dark stained cabinets can bring richness and a sense of warmth to your kitchen. Factory finished cabinets, built in double oven are popular right now. It’s easy to install and elegant in look. However, if you are on a budget, instead of replacing the cabinets, rearrange and reface the cabinets. Simply replacing hardware on cabinets such as knobs, pulls with unique, elegant shapes can offer a nice look.

4. GO GREEN. Choosing recycled glass and concrete countertop, available in a variety of designs and colors are small tips to make you an environmentally conscious homeowner… and these days, THAT COUNTS! Marble, ceramic, and granite are naturally occurring material and also very sturdy. And if you have a little extra cash to "make it rain", go for quartz countertops that are maintenance free and durable. Also, update your kitchen appliances with energy saving features and use recessed LED lights to cut down on your energy bill (my GRU employees reading this might not like that one.)

5. Sink and oven back splashes . Ceramic tiles are a popular choice due to their durability and easy cleaning; and they're cost effective too! You can also go with a glass, granite, or quartz backsplash with appropriate countertops.

6. Lighting is essential to enhancing your kitchen. Lighting is the main accent when it comes to kitchen ambiance. Accent lighting can add beauty and elegance to your kitchen. You can have under counter lighting with xenon, fluorescent, puck and more. However ensure to let the sunshine in.

7. Choose flooring materials that focus on the durability aspect and limiting exposure to moisture. There are a number of options like vinyl, tile, cork, engineered wood, and laminate to name a few.

8. Painting walls with contrast colors will enhance your kitchen’s appearance.

10. You can also choose to update your sink and customize your space by installing built-in chopping boards and wine chillers. To further enhance the look and appeal of your kitchen make better utilization of space, hang painting and place some artifacts.

Contact me if you have further questions or need anymore information.  I also love to hear your feedback if this information has been helpful to you.  Peace and increase!!

When it comes to Real Estate, Think Hurst First!

Welcome the Millennials! | Your Old Methods of Marketing Suck!

It first started with the "Baby Boomers".  They were a generation of people born in the post world war II era, roughly between the years of 1946-1964.  They were a people group who grew older and began to completely dominate and influence a culture - from fashion decisions, to political views, to purchasing decisions, to marketing messaging.  However, recently, this Baby Boomer generation has begun to retire, pass away and, put quite simply, have decreased in population and influence.  Then, there was "Generation X", which didn't have much of an identity……. and quite frankly, I can't define them either so lets move on.  Enter: "Generation Y", or  more affectionately known as, "The Millennials." This generation, much like the Baby Boomers, has become the most dominant portion of our population and they are expanding.  And, like the Baby Boomers, they are changing the way we dress, the way we market, our political and cultural views and, most importantly, the way we communicate.  As it pertains to real estate, they have even become the largest group of home buyers.  So, in case you haven't gotten the memo, your old methods of marketing to them and communicating with them, most likely, SUCK!  It's the equivalent to being The Flintstones living amongst the Jetsons. And, newsflash, it's "not so easy, a caveman can do it."  So if you're not partaking in this huge paradigm shift, then you're on your way to losing… especially in the real estate market.  So let's define this people group, shall we?

The Pew Research Center released a report in March of 2014 which defines The Millennials as a generation that is disconnected from "the institution", has a strong sense of community and are extremely socially aware.  Most reports concur that they encompass individuals born between the years of 1981 and 2000 (ironically, I am considered a "Millennial"… I don't know, I found that interesting.)  They are also referred to as "Generation Me" because of the strong sense of entitlement and narcissim (But, that's so not me though.. just thought I'd clear that up.)

The NAR (National Association of Realtors) released a very intriguing report about the impact of The Millennials on the homeownership market and here's what they found:

•Largest share of home buyers at 31% and smallest share of home sellers at 12%

• 76% are first-time buyers
• Buying primarily for desire to own a home
• 19% live in urban areas—largest share amongst the generations
• Biggest neighborhood influencers: quality of neighborhood and convenience to job
• Commuting costs are very important to 37% of Gen Y buyers
• Plan to live in home 10 years
• 74% say biggest benefit from an agent is helping them understand the process
• 20% had a difficult time saving for a downpayment à among them 56% said student loan debt delayed saving
• 17% had to stall home sale because their home was worth less than their mortgage
• Most likely to think their home is a good financial investment: 87%  

So now, the next question is: if they represent the largest opportunity for the housing market, what are the best ways to reach and communicate with the Millennials?  Newsflash: Your Old Methods Won't Work Anymore!! Here are a few key avenues of communication that you will have to implement and master in order to stand out with The Millennials:

1. You must make your marketing and content dissemination "Mobile Device Friendly":  Just from 2012-2013, web content access via mobile devices went from 18% to 27% and it is growing rapidly!  And because we live in a rapid, "microwave" society, if your content can not be easily accessed and read on these devices, you will be quickly ostracized and blacklisted by this sect of people.


2. They are beginning to prefer Instant Messaging and Texting to Phone Calls: According to the Pew Research Center, some 83% of American adults own cell phones and three-quarters of them (73%) send and receive text messages. When asked how they prefer to be contacted on their cell phone, research found that 31% said they preferred texts to talking on the phone, while 53% said they preferred a voice call to a text message. Another 14% said the contact method they prefer depends on the situation.  And, as texting becomes progressively easier, expect it to continue it's rapid growth trend among Millennials.

3. Use the Convenience of File Sharing: Bloated servers and crowded inboxes are issues that have infected all organizations. Infocentric Research recently deemed searching for files through the wastelands of old documents to be the biggest time waster. File sharing platforms are one of the first significant technological achievements developed by The Millenials, with many being launched at the beginning of last decade. Consider using these platforms for sharing large files: We Transfer and SendSpace.  And for online files storage, these are generally accepted medium: Google Drive and DropBox. All of these medium are generally free, but may incur fees depending on huge sizes.

4. Must have a strong, multi-platform Social Media presence: We've all seen the ridiculous statistics about the billions of people on the Big 3 social medium: Facebook, YouTube and Twitter.  However, there are some other medium that are growing astronomically to be considered major players such as Pinterest, Instagram, Linked-in and Google Plus.  Consider social media presence as a huge cocktail party where you can meet anyone you want to know and communicate with them at anytime.  How cool would it be to go to hundreds of networking events and build relationships with key buyers and influencers on a daily basis?….. wait for it….. wait for it.... THIS IS IT!!! Whether you think it's dumb or not, you need be here and you need to interact with the people regularly. It's a prime opportunity to brand yourself, frequently touch your market, and most importantly, listen to your customers.  And if your challenge is the consistency of posting and having a presence on all of these medium, no sweat!! There are some great multi-platform sharing apps that will allow you to not only share content across multiple platforms, but they also allow you to auto-schedule your posts for the optimal times of viewing by readers on that medium!  Try these: HootSuite, EveryPost, Buffer, and Feedly.

Contact me if you have further questions or need anymore information.  I also love to hear your feedback if this information has been helpful to you.  Peace and increase!!

When it comes to Real Estate, Think Hurst First!

Pitfalls to Selling Your Home | Top Reasons Why Your House Won't Sell

In today's market, every step is crucial.  One wrong move can be the difference between making money from your home, losing money on your home or not even selling it at all… and the latter two options would SUCK!!… Trust me I've been there.  But this doesn't have to be for you.  There is a great deal of appreciation in home prices taking place across Alachua County and here are some  helpful tips on pitfalls to avoid in selling yours!!!

PITFALLS TO AVOID IN SELLING YOUR HOME

1) INEFFECTIVELY PRICING YOUR HOME FOR SALE

This can be a very difficult task for some.  Home prices, like the stock market, change frequently and regularly.  On one hand, you can price it too high: trying to be overly ambitious with visions of "making it rain" in your head and price yourself out of the market.  Or, you can price it at a discount to deep to where you don't realize your full profit potential.  A good real estate agent can help you with this process and also put together a CMA (comparative market analysis) which can aid you with pricing your home effectively.  Real estate agents live in the world of buying and selling homes all day, every day.. TRUST THEM!! Besides, they don't get paid until you do :)

2) HE WHO MARKETS BEST, SELLS THE HOUSE

"If a tree falls in the woods and no one is there to hear it, does it make a sound?"… "If a house is for sale and there's no one there to see it, will it sell?".  Well you can debate the first question all you want, but i'm here to tell you that the answer to the second question is an emphatic, "NO!!!" Marketing a house effectively is as essential to selling a home as any other of these steps.  And, with the invent of so many social media tools, you have the opportunity to bring the world to your doorstep.  After all, you never know who is moving to your area… and in Gainesville, that changes every year (See the University of Florida.)  Make sure your agent takes as many pictures as allowed by law! Pictures truly do say a thousand words and will paint a picture of your home to those who are searching.  Either your agent or you should invest in purchasing or renting a high resolution camera which can take hi-def pics of your palace… Even if you can not afford one, you'd be surprised at the great resolution you can get in pictures taken from your phone or tablet these days.  But if you're going to do this, make sure your home is IMMACULATELY clean and all fixtures are up-to-date with their repairs…. just sayin'.

3) DON'T LEAVE YOUR HOUSE BUSTED AND DISGUSTED

Have you ever looked at somebody's teeth or clothes in a dirty or tattered condition and immediately "judged that book by it's cover?" .. Not even knowing that the person behind those imperfections could be a Phd, a millionaire, or even an angel in disguise.  We all know this is wrong, but it's human nature to develop a perception at first glance.  And whether right or wrong, their perception is their reality.  This is what potential homebuyers will do with your home as well.  If there are broken fixtures, dirty carpets or junky rooms, prospective buyers will, generally, automatically assume that the sellers do not/have not taken care of the home and the buyer's mind will wonder, "what else is wrong with the house that I can not see if they can't take care of what I can see??" Fix up and tidy up before you consider listing and, DEFINITELY, before taking pics.

4) TREAT YOUR BUYERS RIGHT!

Your buyer must be able to feel at home! In other words, they must be able to "make themselves at home" and have a vision of themselves living in your house.  Soft music, snacks, appropriate lighting: these are some subtle touches that can appeal to the senses of prospective buyers in wanting your home versus another.  And please, do not follow the buyers around as they peruse the home… as a matter of fact, stay out while they're there.  The buyers will become uncomfortable and may think you have something to hide… and it's just darn creepy. So, DON'T DO IT!  Give them some space to assess for themselves and wait for feedback from your agent.

Above all, BE PATIENT.  Not every home will sell overnight.  And sorry to burst your bubble, but most homes may take months to sell.  Keep calm! As long as you take heed to this advice and not fall into these pitfalls, you will be just fine and your house will sell in due time!

Contact me if you have further questions or need anymore information.  I also love to hear your feedback if this information has been helpful to you.  Peace and increase!!

What You Don't Know Can Hurt You | Get into a New Home Sooner, Rather Than Later!

There's an age-old adage that states that, "people are destroyed for a lack of knowledge." At first glance, the connotation of that statement suggests that negative things can happen to you if you're not aware.  However, suppose having a lack of knowledge could also detract you from taking advantage of opportunities before you. This is the angle by which I want to set up shop for this week's blog post.  

The real estate market in Alachua county has gradually recovered from its 2008 recessionary levels and, based on recent figures released by the Florida Realtors Association, we are poised for an even bigger recovery.  According to the February 2014 report that they released, examining year-over-year performance from February 2013 to February 2014, there are some strong indicators of a continued recovery. Here they are:

• New Listings: up 3.9%
• Median Sales Price: up 6.6%
• Average Sales Price: up 7.4%
• Median Days on the Market: down 28.9%
• Average Percent of Original List Price Received: up 1% to 90%

These are very promising figures for our local real estate market especially considering that a harsh winter (by Florida standards at least) hampered a lot of peoples' efforts.  Up until now, you may have been asking why buy or sale your home… So now, I'm asking WHY NOT?!  Oh, and just for a little extra sauce on your spaghetti, rates are still at historic lows; but as a word of warning, there has been much speculation that the economy is recovering and those rates will begin creeping back up in the near future.

Now, I'm sure you're probably saying to yourself, "Jason, I get it… the market is favorable, rates are low, it all sounds compelling, but who on God's green earth will be able to qualify me for a mortgage given my situation?"  Well, I'm glad you asked!!  I have taken the liberty of compiling some very locally-specific, potentially credit-friendly, mortgage loan programs that may insight hope and reinvigorate your goals and dreams of owning or refinancing your home!! Here they are:

USDA LOAN PROGRAM

What is This?
A USDA home loan comes from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program.  It is a mortgage loan offered to rural property owners by the United States Department of Agriculture.

What are the Benefits?

Applicants for home loans may have an income of up to 115% of the median income for the area. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories. Additionally, the property must be located within the USDA Home Loan "footprint."

Who is Eligible?

1. To be eligible, you must be purchasing a property in a rural area as defined by the USDA.
2. The home or property that you are looking to purchase must be "owner-occupied"; investment properties are not eligible for USDA loans.
3. USDA Loans require 2% of the purchase price in up front funding fee, and a monthly mortgage insurance premium based on .40% of balance annually. The annual premium is divided by 12 to arrive at the premium charge per month.

THE SHIP PROGRAM

What is this?

Florida Housing administers the State Housing Initiatives Partnership program (SHIP), which provides funds to local governments as an incentive to create partnerships that produce and preserve affordable homeownership and multifamily housing. The program was designed to serve very low, low, and moderate income families.

What are the Benefits?

SHIP dollars may be used to fund emergency repairs, new construction, rehabilitation, down payment and closing cost assistance, impact fees, construction and gap financing, mortgage buy-downs, acquisition of property for affordable housing, matching dollars for federal housing grants and programs, and homeownership counseling.

Who is Eligible?

SHIP funds are distributed on an entitlement basis to all 67 counties and 53 Community Development Block Grant entitlement cities in Florida. The minimum allocation is $350,000 and the maximum allocation is over $8.8 million. In order to participate, local governments must establish a local housing assistance program by ordinance; develop a local housing assistance plan and housing incentive strategy; amend land development regulations or establish local policies to implement the incentive strategies; form partnerships and combine resources in order to reduce housing costs; and ensure that rent or mortgage payments within the targeted areas do not exceed 30 percent of the area median income limits, unless authorized by the mortgage lender. Click here for a full SHIP Program Checklist

VA LOAN PROGRAM

What is This?

The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment. 

What are the Benefits?

The VA loan allows veterans 103.3 percent financing without private mortgage insurance or a 20 per cent second mortgage and up to $6,000 for energy efficient improvements. A VA funding fee of 0 to 3.3% of the loan amount is paid to the VA; this fee may also be financed. In a purchase, veterans may borrow up to 103.3% of the sales price or reasonable value of the home, whichever is less.

Who is Eligible?

The Veteran Loan program is designed for Veteran's who meet the minimum number of days of completed service. The program does allow for benefits to Surviving Spouses.

The VA does not have a minimum credit score used for pre-qualifying for a mortgage loan, however, most Lenders require a minimum credit score of at least 620.

A Veteran who has used their entitlement to previously purchase a home, may have entitlement left to purchase another one. If you previously purchased a home using your VA Benefits then you might still have some of that “Entitlement” available to you for the purchase a new home! For a full list of VA Loan eligibility requirements, click here.

FHA LOAN PROGRAM

What is This?

This is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford. 

What are the Benefits?

FHA primarily serves people who cannot afford a conventional down payment or otherwise do not qualify for PMI.

Who is Eligible?

1.  The potential lender assesses the prospective home buyer for risk. FHA loans for buyers who don't meet a minimum 640 FICO score may be subject to higher mortgage rates, but can very likely still qualify.

2. The FHA makes provisions for home buyers who have recovered from "economic events". Via the Back To Work - Extenuating Circumstances program, the FHA reduces its standard, mandatory three-year application waiting period for buyers with a history of foreclosure, short sale or deed-in-lieu; and two-year application waiting period after a Chapter 7 or Chapter 13 bankruptcy. The Back To Work program lasts through September 30, 2016.

So archive this post, book mark it, copy and paste it to a word doc, whatever you have to do because this is valuable stuff! And, other than the conventional mortgage loans, you may be able to take advantage of one of these unique programs NOW!!  I have built a network of individuals who can help you get started with one of these programs and get on the road to homeownership so e-mail me with your questions and  I'll get you hooked up with the right person. Until next time, when it comes to Real Estate…. Think Hurst First!!

"Defeating the Credit Monster!! - Building A+ Credit" - By Jason J Hurst

One of the main hurdles that buyers face to prepare for the home buying process is getting their credit in order for purchase.  Thanks to the Great Recession of 2008, many people have taken hits to their credit profiles that may take years to over come.  BUT THEY DON'T HAVE TO!!  Now, I know the banks haven't made it much easier by tightening their policies toward lending, but with a plan and a little bit of faith, you are more than able to overcome the DEBT MONSTER (muah-ahahahaha!!).

I, too, was a victim of the real estate collapse and job losses of 2008; leaving me to battle two foreclosures and a, seemingly, insurmountable amount of close to $30,000 of debt to pay off.  But here we are in 2014, and I am now a homeowner once again, in the market for a second home, and that $30,000 debt figure….. Blowing in the wind!!  Now, I didn't say it was easy and it may not happen overnight like you want it to, but diligence, mixed with faith, and a lot of patience, and you'll be in the position to walk the path of homeownership in NO TIME!!  Here's some simple steps to help:

1. Get a credit card if you don't have one
Now I recommend this with EXTREME caution.  You have to know yourself and your

propensity to spend and make impulse decisions.  If you are irrationally exuberant then STAY AWAY!!  In my young and impulsive days, I had the mentality that the money would always be there, but life always finds away to make the music stop and you have to be prepared for those seasons. Now, having said that, having and using a credit card or two can really build your scores.  If you can't qualify for a regular credit card, consider a secured credit card, where the issuing bank gives you a credit line equal to the deposit you make. Look for a card that reports to all three credit bureaus. My wife and I used Capital One, which has some good options, especially for the "credit-challenged".

2. Add an installment loan to the mix
So, the name of the game is "RESPONSIBILITY".  Potentially lenders need to know they're going to get piz-AID!! So they are looking at your ability to honor your word that you will repay what you owe.  You'll see rapid benefits if you've proven you are consistently repaying these types of credits: revolving (credit cards) and installment (personal loans, auto, mortgages and student loans).

Again, be sure that the loan of choice reports to all three credit bureaus.

3. Pay down your credit cards
Paying off your installment loans (mortgage, auto, student, etc.) can help your scores but typically not as dramatically as paying down -- or paying off -- revolving accounts such as credit cards.

Lenders like to see a big gap between the amount of credit you're using and your available credit limits. Getting your balances below 30% of the credit limit on each card can really help; getting balances below 10% is even better.

Though most debt gurus recommend paying off the highest-rate card first, a better strategy here is to pay down the cards that are closest to their limits.

4. Use your cards lightly
Racking up big balances can hurt your scores, regardless of whether you pay your bills in full each month. What's typically reported to the credit bureaus, and thus calculated into your scores, are the balances reported on your last statements.

You often can increase your scores by limiting your charges to 30% or less of a card's limit; 10% is even better. If you're having trouble keeping track, you can set up email or text alerts with your credit card companies to let you know when you're approaching a limit you've set. If you're going to practice the use of credit, I HIGHLY RECOMMEND… let me say that again.. HIGHLY RECOMMEND that you ONLY use it for purchases that are considered "normal course of life purchases". What do I mean by that? Purchases that you would have normally bought with cash, according to your budget (You do have a budget right???) Have the mentality that the card is same as cash.  And pay those charges off, IMMEDIATELY at the end of the month, if not when you get home for the day, if you have to.  (Do you notice a theme here with all of the bolded words?)

5. Check your limits
Your scores might be artificially depressed if your lender is showing a lower limit than you actually have. Most credit card issuers will quickly update this information if you ask.

If your issuer makes it a policy not to report consumers' limits, however -- as is sometimes the case with "no preset spending limit" cards -- the bureaus may use your highest balance as a proxy for your credit limit.

You may see the problem here: If you consistently charge the same amount each month -- say, $2,000 to $2,500 -- it may look to the credit-scoring formula like you're regularly maxing out that card.

If you have an American Express charge card -- the kind that must be paid in full every month, rather than the kind on which you carry a balance -- you probably don't have to worry, because charge cards typically aren't included in the credit utilization portion of the FICO formula.

If, however, the card is categorized on your credit reports not as a charge card but as a revolving credit card, and either a credit limit or high balance is reported to the bureaus, your balances on the card could be a problem.

You could go on a wild spending spree to raise the high balance reported to the credit bureaus, but a more sober solution would simply be to pay your balance down or off before your statement period closes.

6. Dust off an old card
The older your credit history, the better. But if you stop using your oldest cards, the issuers may decide to close the accounts or stop updating them to the credit bureaus. If you're like me, you have probably made a bonfire of your old cards and destroyed them completely, so this may or may not be for you. But, nevertheless, it may help.

7. Get some goodwill
If you've been a good customer, a lender might agree to simply erase that one late payment from your credit history. You usually have to make the request in writing, and your chances for a "goodwill adjustment" improve the better your record with the company (and the better your credit in general). But it can't hurt to ask. I'm the type of person with the type of boldness to ask for anything.  If they say "no", well shoot, I'm in the same place as where I started.  But if they say yes, IT'S ON, BABY!!


8. Dispute old negatives
Say that fight with your phone company over an unfair bill a few years ago resulted in a collections account. You can continue protesting that the charge was unjust, or you can try disputing the account with the credit bureaus as "not mine." The older and smaller a collection account, the more likely the collection agency won't bother to verify it when the credit bureau investigates your dispute.

Some consumers also have had success disputing old items with a lender that has merged with another company, which can leave lender records a real mess.

9. Blitz significant errors
Your credit scores are calculated based on the information in your credit reports, so certain errors there can really cost you. But not everything that's reported in your files matters to your scores.

Here's the stuff that's usually worth the effort of correcting with the bureaus:

• Late payments, charge-offs, collections or other negative items that aren't yours.
• Credit limits reported as lower than they actually are.
• Accounts listed as "settled," "paid derogatory," "paid charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full.
• Accounts that are still listed as unpaid that were included in a bankruptcy.
• Negative items older than seven years (10 in the case of bankruptcy) that should have automatically fallen off your reports.

Again, this is not "conquering Rome in a day". Although for some who have never checked their credit reports, it just could be.  But for the rest of us, it is a process and you are, in large part, the main, determining factor of how long that process will take.  With diligence and persistence, I am a living witness that it can be done! I even got audacious enough in my belief that I created a daily affirmation and took my credit bills and marked them the balances down to "$0" just so I could begin to visualize myself debt-free. And sure enough, IT HAPPENED!! And you can do it too!

If you have any questions, or need any other resources, I'm here to help. Contact me at any time!