Lancaster, PA, April 6, 2009:
Coldwell Banker Select Professionals today welcomed Century 21 Fagan & Associates into their ranks! Coldwell Banker Select Professionals' 91 Sales Associates have now been joined by Century 21 Fagan's 28 Associates, led by Larry Fagan.
A "Welcome" luncheon and orientation was held today, to be followed with a get-acquainted mixer Wednesday evening. We're excited to have this new addition to our growing company!
Are you tired of renting??
Have you heard about the new FIRST TIME HOMEBUYER TAX CREDIT? It could put up to /$8,000 cash in your pocket! You can make your dream of home ownership come true!
FREE FIRST-TIME HOMEBUYER SEMINAR THURS. March 26, 6:30 -7:30 PM at 1000 N. Prince Street, Lancaster, PA.
Are you tired of making payments to your landlord month after month and having nothing to show for it? Now a FREE seminar reveals secrets of how to stop paying rent and own a home instead! Deciding to buy your own home is probably one of the biggest decisions you've ever made. It's an exciting time - but it's serious business, too - and you need serious advice.
How do I get started?
What mortgage programs are available?
Is now the best time to buy?
What are the tax benefits of buying versus renting?
How do I know if a house is priced right?
First-Time Home Buyer Tax Credits
Join us for an hour of powerful dialog in which these and many other questions will be answered!
To reserve your place for this exciting opportunity, call Brian Schulman, Jeff Geoghan Realty Group, Coldwell Banker Select Professionals at 951-5552, or email brian@cbselectpros.com
Light refreshments will be served.
1111 Crest Lane is a charming Cape Cod in Grandview Heights, Manheim Township, Lancaster, PA.
I will be holding an Open House Sunday, March 22, 2009 for this 3-bedroom home, priced at $179,000.
A mortgage consultant will be on hand as well - Ray Smith, of Home National Mortgage. You can get all your mortgage questions answered as well as information on the first-time buyers' tax credit.
Please stop by and see this great home on a beautiful Grandview Heights street! From the columned front entry to the gleaming narrow-gauge HW floors & the large, light knitchen, this is a rare find that's close to shopping, Lancaster City and main arteries. Better still is the huge deck, 36-ft-long 1-car garage, and deep lot.
Directions: From Rt30: South on Lititz pike to Left on Fordney Rd, Right on Pleasure Rd, Left on Crest Lane to Home on Right.
(Just received from Ray Smith of Home National Mortgage, Lancaster PA:)
"I have worked with Brian Schulman of Coldwell Banker Select Professionals on several projects. In an age where service is often cast aside in place of the bottom line, Brian makes sure his clients are serviced to the fullest extent of his more than competent abilities. It is a level of service that is not only rare to see but refreshing and inspiring.
His ability to recognize homeowner needs no matter what demographic is of the utmost importance in this fastidious real estate environment. I would recommend Brian's service to anyone and everyone I know."
Ray Smith
In Lancaster, PA this week, a family was burned out of their home. They lost everything. As a landlord, one of the things my leases have specified is that the tenants must have insurance on their personal possessions, as the landlord's insurance only covers the buildings and not their personal property.
I make a point of advising renters to get replacement value insurance for their things, rather than actual cash value (ACV). The example I use is: let's say you lose your television in a fire. Let's say the TV is 6 years old. You will have to get a replacement - and you'll probably be buying a new TV. If you're only insured for ACV, you'll only receive what that TV would be worth in a garage sale or re-uzit shop. Think about what your used clothes would be worth now - and what you'd have to pay to replace them! Plus, the difference in premium cost between the the two coverages is really minimal.
There's a parallel in insuring older homes in low-priced areas of cities. Often it would take quite a bit more than a home is worth to replace it in the case of a total loss. Many insurance companies have a minimum coverage amount that they will require regardless of the actual lower resale value of the home. Although it may be possible to insure for only the amount owed on the mortgage, that may not be wise. In case of a loss, rather than ending up with just the mortgage paid off and an empty lot to sell, the owner may be considerably better off rebuilding - but that may only be possible if adequate replacement coverage is in place!
Another consideration is that at the same time you are protecting the interests of your tenants, you are also reducing your own liability as a landlord in case of a loss, by showing that in the lease you required your tenants to carry insurance on their private property..
A legitimate place to lower insurance premiums may be by adjusting the deductible. Many people think nothing of having a $1000 deductible on their $10k to $20k car. Why then should they buy a $200,000 home and insure the home with a $500 or lower deductible? Most people would not make an insurance claim for less than $1000 anyway - so why unnecessarily increase your premiums?
Copyright2009BrianSchulman©
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I focus on YOUR goals. I specialize in Residential Sellers, Buyers, SINGLES, SENIORS, Historic Homes, & Investors. My vision is to build lifelong relationships, one person at a time.
Thirty years of experience in Lancaster County PA real estate have confirmed Brian Schulman's long-held conviction that while the regulations for business in general and real estate in particular are constantly changing, certain basics never change: fairness, honesty, full disclosure, and the need for each person to be heard and respected.
Brian's education includes a New York State Regents Scholarship and a Bachelor of Engineering from Stevens Institute of Technology. He has pursued further education on a continual basis, acquiring several professional designations along the way, including ABR (Accredited Buyer Representative), GRI (Graduate of the Realtor(R) Institute), ePRO (Certified Internet Marketing Professional), and SRES (Seniors Real Estate Specialist).
Seniors Real Estate Specialists are Realtors qualified to address the needs of home buyers age 50-plus. The SRES Council awards the SRES Designation to members who have successfully completed its education program. SRES holders have demonstrated the necessary knowledge and expertise to counsel clients age 50-plus through major financial and lifestyle transitions involved in relocating, refinancing, or selling the family home.
Brian's professional career started as a Marketing Engineer with Texaco, Inc. He was promoted to Credit Manager of Western Pennsylvania, and for several years ran a $25 Million per month Division consisting of customers such as major steel producers, national trucking companies, and large road contractors. Brian was chosen as a local spokesman in Texaco's Speakers Bureau, where he spoke about energy policy and answered questions at many clubs and schools.
Eventually, Brian's love of historic homes and South Central Pennsylvania's ambiance and history led him to take up residence in Lancaster County and start a new career restoring architecturally significant houses. From that beginning, his real estate career developed. Brian is well known for his knowledge of historic homes and American architectural styles, and for his advocacy of protecting and preserving them.
Brian has owned, managed and restored some twenty historic buildings in Lancaster County, Pennsylvania, including homes in Lancaster, Marietta, Columbia, Elizabethtown and Mount Joy. He saved two of them from condemnation and demolition: an eighteenth-century log and stone home in Marietta, PA, and the Linden House mansion, built in Marietta by lumber magnate Henry Castle in 1805 (see "Historic Marietta").
One of Brian's guiding principles is that we are given two ears and only one mouth for a good reason: so we can listen twice as much as we speak! Brian doesn't dispense one-size-fits-all "canned" solutions - he wants to hear what your individual situation and needs are. Then he'll share information and options that fit your unique goals.
Brian has been a member of the Professional Standards Group, Dispute Resolution System of the Lancaster County Association of Realtors (LCAR), and an Alternate State Director, Pennsylvania Association of Realtors(R).
Among Brian's wide-ranging personal passions are historic architecture and restoration, classic cars, antique toys, vintage musical instruments, cats, and humane society issues. He is president of Red Rose Singles, Inc, a support group for single, separated, divorced and widowed persons. He has been known, on occasion, to get out his guitar and regale his listeners with a respectable rendition of a rock and roll song or a finger-picking blues tune!
Brian's team consists of a small group of experienced professionals dedicated to making your real estate experience a positive, successful and rewarding one. The reputation Brian strives for is to be the best Realtor, working with the best clients, and always caring for his clients' needs. Brian Schulman is committed to building strong, lasting and lifelong relationships, one person at a time.
There are several areas in which I have become a specialist:
Seniors (over 55) - Holding the SRES (Seniors Real Estate Specialist) designation, I understand the unique needs of senior sellers and buyers.
Historic Homes - I love historic homes! I am familiar with many architectural periods and styles and have personally restored several historic homes myself. As someone who appreciates history and fine architecture, I can be a great resource to help you purchase or sensitively market your historic property.
First-time Buyers - You need a reliable resource to help you interpret the information overload, guide you through the Lancaster County home-buying process, reduce your risk, represent your interests, and help you achieve your dream of homeownership.
First-time Sellers - I'll help you navigate the complexities of marketing your home, trading up, trading down, or relocating. My ePRO designation tells you that I'm certified in Internet Marketing.
Expired Listings - My many marketing programs can help sell properties that did not sell previously .
Investment Real Estate - Have you ever thought about an extra income stream to supplement your retirement, or to help put your kids through college? I can help you develop a plan that meets your individual needs and helps you build a real estate income. Income from real estate can have significant advantages over earned income.
"Brian, I just want to thank you for all that you have done for my husband and myself. It has been a real pleasure dealing with you. You have responded to all our questions and concerns with promptness, and have given us great advice. We so appreciate all you have done in helping us to buy and sell our rental property. The whole process went very smoothly, and that was because of your great organizational skills and for so being so detailed about making sure everything was done correctly. If in the future you need any recommendations, we would be more than happy to supply them for you. Please lets continue to remain in contact, because we now consider you a friend." Debbie Freed
"Brian Schulman restored our faith in real estate agents. He's worth his weight in gold!" Jay & Cecilia Risser, Mount Joy
"You were such a help and a blessing! What a great experience I had with you! Your website is the best, Brian. I refer to it all the time!" Lori Randolph, Lancaster
"I was eight months pregnant and wanted to be in a home of my own when I had my baby. Brian Schulman helped us find and purchase our first home so quickly and smoothly that when our son was born, we named him 'Brian'!" Yajaira Almonte & Pedro Maria, Lancaster
"beyond the call of duty..."
"...in my twenty years of real estate investing...no other real estate professional has serviced as has Brian Schulman. Mr. Schulman goes beyond the call of duty of service and professionalism. I have grown to trust him with his professional opinions and suggestions. My loyalty is now with him because of his professionalism and manner he conducts himself." Michael Osso, MMR Investments, LLP
"highly recommend you..."
"I want to thank you so much for all you've done! We enjoyed working with you. If we buy another house we will buy it through you. If you need a recommendation, we will definitely highly recommend you to anybody! Debbie & Ron Freed, who bought an investment property
"We trusted Brian from the outset. Brian exceeded our expectations." Maria Mitchell & Guillaume DeSyon, Lancaster
"Our experience with Brian was educational, professional, knowledgeable, enjoyable & interesting. We enjoyed working with him greatly. Our goals were achieved in the most positive manner. Dan & Debbi Herr, Elizabethtown
"You're a cut above other real estate agents!" Ginger Fako, who sold her home through Brian in Lancaster
"We appreciate the time and manner you spent with us, gracious and professional." Maria Pop, NY
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