(858)457-KENT

Issue #351

In This Issue

1. Welcome / This Week's Special Offer
2. Gary's Real Estate Seminars
3. Homebuying Question
4. Homeselling Question
5. Investing or Financing Question
6. Hot Properties: New Listings BEFORE They Hit The Market
7. Thank You For Your Referrals

Welcome / This Week's Special Offer

Welcome To The Latest Issue
THANK YOU for helping me and my team sell 371 homes in 2008. That’s over 1/day. FYI, the average agent sells 5 homes/year. The average team sells about 30.

…VA just raised the zero-down VA loan limit to 593K.

…JOB OPENING: Need full-time person to help process simple property value appraisals (called BPOs) for bank foreclosures. BPO, appraisal, or real estate experience required. Must be fast typist and hard worker. Email resume to ClientSV@GaryKent.com

…Sign up for my free seminar Saturday, January 31, 10AM-noon: “How To Buy A Foreclosure In San Diego”. Half the homes sold today are foreclosures. If you want to buy a home or investment, you need this insider’s view, including time- and money-saving tips.

Beware! Latest Scam: Loan Modifications
Got a pink letter from the “Loan Modification Department” telling me to contact them about lowering my monthly mortgage payments. Probably just a coincidence that the pink letter looks like a late notice and gives the impression it’s from my bank. Right. This scam is to fool people into paying them $1,000s to convince your bank to decrease your payment. While in certain cases some banks will do this for a troubled borrower, you don’t need to pay anyone to help you.

True Story: Beam Me Up Scotty
In 1998, one of my agents, Jeanette, was holding an open house in Bay Park. A shabby looking guy walked in the house and lay down right on the couch. She said, “I’m sorry sir, you can’t lay on the couch.” He responded by mumbling on about aliens and showed no signs of getting up. Pondering her options a few minutes, Jeanette said to the fellow, “I heard the mother ship is landing any time at the gas station on the corner to pick you up. You better hurry.” To her relief, the guy immediately got up and left!

Top 10 U.S. Cities With Highest Homicide Rates
From FBI statistics and the U.S. census bureau, as published in Sunday’s Union-Tribune. Homicides per 100,000 residents in 2007:

1 87.1 New Orleans, LA

2 73.2 Gary, IN

3 60.0 Youngstown, OH

4 44.0 Baltimore, MD

5 42.8 Detroit, MI

6 39.4 St. Louis, MO

7 37.1 Newark, NJ

8 30.7 Washington, DC

9 30.0 Oakland, CA

10 24.8 Atlanta, GA

19 4.6 San Diego, CA***

Honorable mention at U.S. border: Tijuana w/ 46.8 and Ciudad Juarez w/ a whopping 123.6.

Join Our “Preferred Client Group” For The Best Values
I find great real estate deals every week. But too often we can’t match a client in time and someone else scoops it up. (My bank-clients won’t let me buy their properties, or I’d be my best client!)

So I developed my “Private Client Group”, a select group of people serious, qualified, and ready to grab a great deal on a home or investment when -- or before -- it hits the market.

If you’d like to be in the Preferred Client Group, you need to:

Pre-approve with our approved lender

Come in for a short sit-down counseling session

Commit to work with us

To join and get the jump on great real estate values, call us at (858)457-KENT or email us at PCG@GaryKent.com

Check Out Our Foreclosure Hot-List
Looking for a deal? 50+ of my REO (foreclosure) properties have discounts of 10% to a whopping 52% from their previous values. Click on www.Foreclosure-Hotlist.com to check out my brand-new Foreclosure Hot-List website. We’ll update the site regularly, so be sure to bookmark it and return frequently. And forward this link to a friend!

FREE MLS Online Search For A San Diego or Riverside Home
To search for a home right now, click here: Free MLS Homesearch

This Week’s Free Offer:
FREE DVD: How To Sell Your Home & Buy Another
There's 5 ways to coordinate buying a home while selling your old one. One is best. Another's a recipe for disaster. Discover the pro's and con's of each + smart buying & selling tips. This DVD is a must if you're making a move in the next 12 months. You'll learn:
- Which of the 5 strategies works best for YOUR needs
- Don't be forced to give your home away for a quick sale
- The $5,000-$50,000 trap in the small print most people overlook
- Pricing to get top $$ for your home (it’s not what you think!)
- The HUGE MISTAKE agents make when juggling 2 closings
- Find out what your home will REALLY sell for in today's market
- How NOT to get stuck paying mortgages on 2 homes
- When is the very best time to list your home?
- Avoid being the "contingent buyer" sellers hate to sell to
- How do bridge loans work? Should you get a "HELOC" instead?

Send This Free Newsletter To A Friend
Subscribe them with a quick email to TellAFriend@GaryKent.com with their email address in the subject line.

Remember to email your questions, comments, compliments, corrections, critiques, & rebuttals to Questions@GaryKent.com.

Gary's Real Estate Seminars

FREE Seminar @ UTC Mall – January 31st, 2009:
“How To Buy A Foreclosure In San Diego”
Fantasy vs. Reality: Discover the truth about foreclosures/REOs
-- Saturday, January 31st, 10AM-Noon --
Click for Seminar Flyer / Click to Reserve Your Free Seat

Dreamers Need Not Apply.
Sorry… This isn’t a phony get-rich-quick seminar on buying foreclosures (also called “REOs”) 50¢ on the dollar or buying zero down with bad credit and no job. That’s NOT reality.

When you attend, you'll discover the truth about:

Top 10 San Diego neighborhoods with the best REO deals today

How much banks negotiate off their price

5-step plan to getting a great value on a foreclosure in 90 days

Wise, timely words millionaire Baron Rothschild said in the 1800s

Traps in the small-print that banks make you sign

The #1 mistake people make when offering on an REO

How to get banks to pay EVERY PENNY of your closing costs

Auction tricks, traps, and pitfalls that I swear will shock you

Free email access to undervalued & foreclosure properties

The ugly truth about “short sales”…and it IS ugly

What to watch out for in an REO

Much more

Click for Seminar Flyer Click to Reserve Your Free Seat

HomeBUYING Question

"I’m negotiating to buy a bank foreclosure and just got an addendum form saying the bank can cancel at any time. Do I have to sign that?"

***ANSWER:
Only if you want to buy the home.

But let me put your mind at ease. After selling 500+ foreclosures the past 2 ½ years, I’ve yet to see a bank cancel once they sign the contract as long as the buyer is performing.

HomeSELLING Question

"My wife and I have 2 kids in elementary school and we’re thinking of selling and moving to Poway for the schools. I keep up on the market and I’m pretty sure my home is worth about 700K. But an agent told me someone is building 2 new homes similar to mine a block away and they’re asking in the 900s. She said they make mine worth about 800K. What do you think? "

***ANSWER:
I think that agent should lose her license!! Here’s why:

What someone asks for a home has zero bearing on your home’s value.

ZERO.

They could be asking the right price, or be tens of thousands off. I know of one home that was on the market awhile ago, listed at $4M. The only problem is that it was worth around 700K!

Price is one of the two keys to selling a home. And any agent who advises you to price your home based on an UNSOLD home is guilty of malpractice.

Investing or Financing Question

"I’m a new investor and want to know if I should fully furnish apartments. Or should I just supply a stove and refrigerator?"

***ANSWER:
Go for just the stove and frig. I don’t like furnished apartments because the tenants are more transient and there’s more cost and hassle dealing with broken and worn furniture.

Hot Properties: Call Now On These Hot New
Listings & Not-Yet-On-The-Market Properties

Call Now On These Hot New Listings & Not-Yet-On-The-Market Properties

THIS WEEK'S FEATURED PROPERTY!

Attractive
Pacific Beach Home

Open House This Sat.
from 12-3pm

BR/BA: 3/2.5

Sqft: 2,290

Price: $950,000

2559 San Anselmo St.
San Diego, Ca 92109

New – Pacific Beach– Eclectic "Flamingo House" in "Pacifica" has bonus room w/ bay view, big private bkyd, pool, spa, 3 FPL, more. Contact Me
3BR/2.5BA, 2290sqft
$950,000!

"COMING SOON"
(Click Contact Me to be contacted BEFORE these properties hit the market!)

– Chula Vista – Foreclosure! Spacious home on large 9300sqft lot, 4BR/2BA, 1600 sqft, plus detached room/granny flat! Contact Me
Last sold @ 507K >>> Now 300s?
New – City Heights – Foreclosure! Upstairs 1BR condo in gated complex. Quick access to 94 freeway. Great investment. Contact Me
1BR/1BA, 680
Last sold @ 178K >>> Now 70s?
– Clairemont – Foreclosure! Affordable N. Clairemont home w/ 2-car garage. Quick access to 52 freeway. Contact Me
4BR/2BA, 1176 sqft
Previously appraised @ 441K+ >>> Now $209,900!
– Clairemont – Foreclosure! Fixer-upper 4BR/2BA house needs lots of help. No garage, large lot. Contact Me
4BR/2BA, 1635 sqft
Last appraised @ 489K+ >>> Now low 300s?
– Downtown – Foreclosure! Corner 3-year-new “Park Blvd East” condo near Petco Park w/ no common walls, views, granite. Contact Me
2BR/2BA, 980 sqft
Recently appraised @ 486K+ >>> 300s?
– Eastlake Area – Foreclosure! 5-year-new home w/ 2-car garage. More info to follow. Contact Me
3BR/2.5BA, 1756 sqft
Recently appraised @ 617K >>> Price TBD
– Eastlake Area – Foreclosure! Sharp 3-year-new townhome w/ 2-car garage, many extras. Contact Me
3BR/2.5BA, 1586 sqft
Last sold @ ? >>> To be low/mid-200s?
– Encanto – Foreclosure! Attractive 80’s built home w/ pool, spa, tri-level patio, granite kitchen, 2-car garage, more. Contact Me
4BR/3BA, 1907sqft
Last sold @ 560K >>> To be 200s?
– Encanto – Foreclosure! Remodeled home w/ city views, 2-car garage, more. Contact Me
3BR/2BA, 1247sqft
Last sold @ 358K >>> To be 200s?
– Encanto – Foreclosure! Four units w/ lots of parking. Near trolley, shopping, schools. Contact Me
Last sold @ 510K >>> Now low 300s?
– Encanto – Foreclosure! Handsome, 70’s built 4BR/2BA, 1582 sqft house on huge 9500 sqft lot. Nice street. Contact Me
Last sold @ $467,500 >>> Now 300s?
– Escondido – Foreclosure! Very roomy end-unit “Villa Espanas” condo w/ FPL and quick access to 15 and 78 freeways. Contact Me
2BR/1.5BA, 1152sqft
Last sold @ 325K >>> To be 100s?
New – La Mesa – Foreclosure! End unit condo w/ mountain views, open floorplan, only 1 common wall. Needs some TLC. Contact Me
2BR/2BA, 1200 sqft
Last sold @ 315K >>> To be mid/high 100s?
– La Mesa – Foreclosure! Mid-century home w/ hardwood floors on large 8000 sqft lot in great neighborhood w/ xlnt schools. Contact Me
(No info) >>> To be in the 500s?
– Lakeside – Foreclosure! Dirt-cheap condo ideal for investor or first-time homeowner. Contact Me
2BR/1BA, 728 sqft
Appraised @ 131K+ >>> To be in the 80s?
– National City – Foreclosure! 2-year-new townhome w/ 2-car garage, greenbelt view. Borders Bonita, near Plaza Bonita. Contact Me
3BR/2.5BA, 1734 sqft
Last sold @ $609,000 >>> Now high 300s?
– Nestor – Foreclosure! Sharp 6-year-new home w/ open views in quiet neighborhood. Large backyard. Contact Me
4BR/3BA, 2190 sqft
Last sold @ 489K >>> To be low 300s?
– Nestor – Foreclosure! Private, light & bright townhome w/ large rooms, spacious backyard, interior laundry, more. Contact Me
3BR/2BA, 1222 sqft
Last sold @ 365K >>> To be high 100s?
– Oceanside – Foreclosure! Tremendous curb appeal! Upgraded home on corner lot with mountain views. Contact Me
3BR/2BA, 1290sqft
Recently appraised @ 465K+ >>> To be 200s?
– Oceanside – Foreclosure! Enormous 6-7BR/3BA, 2203 sqft house on 9200 sqft lot. Ideal for very large family. Contact Me
Recently appraised @ 504K+ >>> Now 400s?
– Poway – Foreclosure! Handsome home w/ pool, tile roof, large patio. Huge kitchen w/ Corian-style counters. Contact Me
3BR/2BA, 1304 sqft
Last sold @ 510K >>> To be high 300s?
– Rancho Bernardo – Foreclosure! 1989-built single family house w/ dbl garage. South of Camino Del Norte & West of I-15. Contact Me
4BR/2BA, 1760 sqft
Recently appraised @ $602K+ >>> Now 300s?
New – San Marcos – Foreclosure! Newer luxury home on .59 acres. Has granite counters, plantation shutters, 3-car garage. Contact Me
4BR/3.5BA, 3310
Last sold @ ??? >>> Now high 400s?
– San Marcos – Foreclosure! Upgraded “Santa Fe Hills” home, kitchen w/ breakfast bar, fireplace, community pool/spa! Contact Me
3BR/2BA, 1315sqft
Last sold @ 384K >>> Price to be determined.
– Santee – Foreclosure! Huge remodeled 2-story home w/ 2-car garage.
Contact Me
4BR/3BA, 2214sqft
Recently appraised @ 522K+ >>> $300s?
– Sorrento Mesa – Foreclosure! Stunning 12-year-old home w/ 3-car garage, large yard, 1BR/1BA downstairs. Contact Me
4BR/3BA, 2432 sqft
Recently appraised at ??? >>> To be low $600s?
– Spring Valley – Foreclosure! Vintage home on HUGE .36 acre lot. Offers views, immense yard, and a country feeling. Contact Me
2BR/2BA, 1039sqft
Last sold @ 450K >>> To be 200s?
– Spring Valley – Foreclosure! Convenient bottom-floor unit near I-8 and La Mesa. Granite countertops. Contact Me
3BR/2BA, 1112 sqft
Previously appraised @ 325K+ >>> To be 100s?
– Spring Valley – Foreclosure! Heavy fixer upper w/ possible settlement issues. Good neighborhood. Contact Me
3BR/2BA, 1444 sqft
Last sold @ 460K >>> To be 100s?
– Spring Valley – Foreclosure! Affordable 2BR condo in gated Ashford Park complex. Offers cathedral ceilings, FPL, more. Contact Me
2BR/2.5BA, 1020 sqf
Last sold @ 314K+ >>> To be 200?
– University City – Foreclosure! Cute condo in “Verano” in the La Jolla Colony area. Quick access to I-5, La Jolla, UCSD, etc. Contact Me
1BR/1BA, 704 sqft
Recently appraised @ 310K >>> To be very low 200s?
– Valley Center – Foreclosure! Contact Me
3BR/2BA, 1464 sqft
Last sold @ 425K >>> To be high 200s?
– Vista – Foreclosure! Stunning 2-year-new luxury home on .57 acres. 3 car garage, huge yard, many upgrades. Contact Me
4BR/3.5BA, 2588sqft
Last sold @ 861K >>> To be 600s…500s…???
– Vista – Foreclosure! Charming home on view knowl w/ wood floors, recent remodel, evening lights view, more. Contact Me
2BR/2BA, 1350 sqft
Last sold @ 417K >>> To be high 200s?

NEWLY LISTED (Your Property Here!)

	– Carmel Mtn Ranch / Rancho Bernardo – Foreclosure! Attractive 1989-built house on golf course. Great neighborhood & schools! Take A Look 4BR/2BA, 1689 sqft Recently sold @ ??? >>> Now $500,000.
Too New For Photo	New – Clairemont – Remodeled home in prime “Parkwest”. Marble countertops, handmade Cherrywood cabinets, more. Contact Me 3BR/2BA, 1462sqft Value range 400-450K.
	– Lakeside – Foreclosure! Spacious single family home on .28 acre lot with 2-car garage. View Details 3BR/1BA, 1719 sqft Recently appraised at ??? >>> Now $327,600!
	New – Pacific Beach – Eclectic "Flamingo House" in "Pacifica" has bonus room w/ bay view, big private bkyd, pool, spa, 3 FPL, more. Contact Me 3BR/2.5BA, 2290sqft $950,000!
	Sold– Santee – Foreclosure! Huge remodeled 2-story home w/ 2-car garage. Nice neighborhood. MLS Search 4BR/3BA, 2214sqft Recently appraised @ 522K+ >>> Now $399,000!
	– Tierrasanta – Foreclosure! Remodeled townhome w/ garage, many upgrades, vaulted ceilings. More Info 2BR/2.5BA, 1068 sqft Recently appraised @ 309K+ >>> To be $284,900
	– Vista – Foreclosure! Charming home on view knoll w/ wood floors, recent remodel, evening lights view, more. Property Features 2BR/2BA, 1350 sqft Last sold @ 417K >>> Now $164,300

MORE GREAT HOMES & INVESTMENTS (Your Home Here!)

	– Campo – Foreclosure! Huge home on 1.31 acres w/ barn, + 2 additional buildings. 2 kitchens, ideal for 2 families. Take A Look 4BR/2BA, 3601 sqft Last sold @ 465K >>> Now $395,000
	– Clairemont – Foreclosure! Starter house w/ FPL, big yard, California room, 2-car garage. Quick access to 52 & 805. Check It Out 3BR/2BA, 1032 sqft Last sold @ 529K >>> Now $329,900.
	Open House on Sun. from 12-3 – Clairemont – Foreclosure! Affordable starter home w/ large backyard, 1-car garage, quick access to 805 & 52 freeways. Take A Look Address: 5017 Roscrea Ave. San Diego, Ca 92117 3BR/1BA, 1014 sqft Last sold @ 435K >>> $314,000.
	Reduced 20%– Encanto – Foreclosure! Recently renovated 4BR/2BA, 1339sqft home on overize 7200 sqft lot. Check It Out Last sold @ 450K >>> A steal @ $143,900
	– Escondido – Foreclosure! Spacious, upgraded condo in “Vermont Villas” w/ basketball & tennis. Quick freeway access. Check It Out 2BR/2BA, 1,204 sqft Last sold @ 295K >>> Now $129,500!
	Sold – Escondido – Foreclosure! 2 Detached homes on .58 acres w/ 2 double garages. Ideal for extended family or ??? MLS Search 4BR/4BA + 2BR/1BA Last sold @ $600,000 >>> Now $369,600
	– Escondido – Foreclosure! 3BR/2BA, 1,620sqft house on almost 1/2-acre! 2-car garage. More info to follow. See More Last sold @ $350,000 >>> Now $259,900!
	– Escondido – Foreclosure! Handsome 1985-built house w/ upgraded appliances, granite counters, new paint. Contact Me 3BR/2BA, 1636 sqft Last sold @ 470K >>> Now $299,900
	– Escondido – Foreclosure! Lovely 3BR/2BA, 1144 sqft house w/ 2-car garage. 6100 sqft lot. More info to follow. View Details Recently appraised @ 561K+ >>> Now $204,900!
	– Escondido – Foreclosure! Quiet 2BR/2BA upper-level condo w/ granite in kitchen & baths, tile flooring, garage! Take A Look Last sold @ 314,500 >>> Now $150,900
	– Fallbrook – Foreclosure! Upgraded home on 5.9 acres in gated, private, peaceful De Luz community. More Info 3BR/2.5BA, 1970 sqft Recently appraised @ apx 655K >>> Just $378,000
	– Fallbrook – Foreclosure! Lovely 3BR home on 5.51 acres w/ back country views & 2-car garage! Possible lot split. See For Yourself 3BR/2.5BA, 2046 sqft Last sold @ 604K >>> Now $535,000!
	– Julian – Foreclosure! Charming older house on .24 acre lot. Needs some TLC. View Details 3BR/2BA, apx 1500 sqft Last sold @ 230K >>> Now $197,600?
	– La Jolla – Foreclosure! Spacious 1-level condo in security complex. Birdrock area, 2 blocks to ocean. View Details 2BR/2BA 1387 sqft (No info) >>> Just $446,900
	– National City – Foreclosure! Upgr home w/ master suite, large yard, + new cabinets, countertops, stove. More Details 3BR/1BA, 1117 sqft Last sold @ 394K >>> Now $265,000!
	– National City – Foreclosure! Three bedroom house on huge 17,100 sqft lot. East of 805, south of E. Plaza. Take A Look 3BR/1BA, 1170sqft Recently appraised @ 378K+ >>> Now $166,400!
	Reduced 9% – Nestor – Foreclosure! Huge heavy fixer-upper home on full lot w/ 2-car garage. Quick access to 5 and 805 freeways. Property Features 3BR/3BA, 2080 sqft Previously appraised @ 372K >>> Now $254,900
	Reduced – North Park – Foreclosure! Gorgeous Spanish 1936-built home: archways, hrdwd floors, FPL, crown molding, coved ceilings. Take A Look 2BR/1BA, 1071 sqft Last sold @ 550K >>> Now $299,900.
	– Pacific Beach – Foreclosure! Gorgeous 2-story contemporary home with bay/ocean views, walk to beach! Property Features 2BR/1.5BA, 1530sqft Last sold @ 690K >>> Now $720,000
	– Phoenix AZ: 12 APARTMENTS – Great central location. Units are 4 3BR, 4 2BR, and 4 1BR. Just $649,000. For More Info: Call Terry Kass @ (602) 703-5277
	– Phoenix AZ: 44 APARTMENTS – Lovely 3BR/2BA, 1967sqft home, .48 acre lot, pool. Just $2,350,000. For More Info: Call Terry Kass @ (602) 703-5277
	– Ramona – Foreclosure! Cute condo just off Main Street in downtown Ramona. Take A Look 2BR/1BA, 884 sqft Recently appraised @ 231K+ >>> Now just $99,000
	– San Marcos – Foreclosure! “Santa Fe Hills” home w/ wood floors & large yard. Xlnt neighborhd w/ community pool/spa. Take A Look 3BR/2BA, 1315sqft Last sold @ 500K >>> Now $285,000!
	– San Marcos – Foreclosure! Very affordable house in great community. 2BR house w/ 1-car garage w/ low maintenance yard. See For Yorself 2BR/1BA, 844 sqft Last sold @ 459K >>> Now $202,500!
	– San Marcos – Foreclosure! Cozy house in over-55 Lake San Marcos 2BR, 1115 sqft house in Sun Park near tennis, golf, restaurants. Check It Out Last sold @ 382K >>> $260,000
	Reduced – Santee – Foreclosure! Vintage 3BR/2BA house on large 6969 sqft lot. More info to follow. Check It Out Recently appraised @ 425K+ >>> Now $249,900
	– Santee – Foreclosure! Affordable, updated “Riderwood Gardens” condo w/ garage. Check It Out 3BR/2BA, 1144 sqft Recently appraised @ ??? >>> Now $166,400
	– Serra Mesa – Charming newly renovated “Allure” condo. Offers granite in kitchen & baths, newer appliances, sunny patio. View Details 1BR/1BA, 602 sqft Just $129,500
	– Valley Center – Foreclosure! 3.3 acres! Gorgeous house w/ 2-car garage & panoramic views. Check It Out 3BR/2BA, 1,761 sqft Last sold @ $595,000 >>> Now $359,900!
	– Valley Center – Newer high-quality view home on 2.09 acres. Offers pool, 3-car garage, huge yard, orange groves. Contact Me 4BR/3BA, 2602 sqft Now $539,000!
	– Vista – Foreclosure! Very affordable home w/ 2-car garage, full 6300 sqft lot, big yard. Contact Me 3BR/2BA, 1134 sqft Recently appraised @ 400K >>> Now $164,900

Call me at (858)457-KENT to find out more or for a private showing. To find other homes, go to A Free MLS Homesearch.

Clicked on a property, but theres no info? It may be sold. Call me to double-check or discover other similar properties we have for you.

Thank You For Your Referrals

Thank you Jean & Claude L. for referring your brother to buy a home.
Thank you Anup K. for referring your sister-in-law to buy a home.

Have a great week...

GARY KENT
"The Agent You See EVERYWHERE"
All-Time #1 Agent/Team In San Diego County for RE/MAX
23 Years Experience -- 3,300 + Homes Sold

Gary Kent Team --- RE/MAX Associates
(858)457-KENT --- (858)457-5368
GaryK@GaryKent.com -- http://www.garykent.com

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This free e-newsletter tells you how to be more successful with your real estate transactions. You receive it because you subscribed, entered your email address at my site(s), or were referred. By reading it, you agree you: 1) understand this is opinion & not advice; 2) will seek professional tax, legal, and real estate advice; 3) are solely responsible for use of content, 4) hold Gary Kent, Gary Kent Homes & Estates, Kent & Associates Inc., and RE/MAX Associates harmless. Questions may be paraphrased for clarity/brevity. Disregard this email if you have a listing or buyer-broker agreement. (c) 2009 Gary Kent, All Rights Reserved.