• Welcome / This Week's Special Offer
• Gary's Real Estate Seminars
• Homebuying Question
• Homeselling Question
• Investing or Financing Question
• Hot Properties: New Listings BEFORE They Hit The Market
• Thank You For Your Referrals

Welcome To The Latest Issue
THANK YOU for helping us sell 314 homes in 2009. That’s the second-most I’ve sold in my 26 year career. And I couldn’t have done it without you and your business, support, and referrals!

…Mixed bag for California’s foreclosure situation. Latest stats show a huge one year drop in the REO (homes actually foreclosed) rate from 1.8% to 0.7%. But 90+ day delinquencies are up from 6.1% to 9.9% and actual foreclosure notices shot from 2.0% to 3.5%. Why people behind but less being foreclosed? Banks are modifying loans and dragging out the foreclosure process to avoid showing losses on their books.

…Have you or a friend signed up yet for one or more of my free seminars coming early next year?

• Saturday, January 16th, 10am-noon
  “How to Invest in Real Estate with Your IRA or 401K”



• Saturday, January 30th, 10am-noon
  “How to Short Sale Your Home or Rental”



• Saturday, January 30th, 1-3pm
  “How to Improve Your Credit & Buy A Home”



• Saturday, February 6th, 10am-noon
  “How to Buy a Foreclosure or Short Sale in San Diego”



• Saturday, February 13th, 10am-noon NEW SEMINAR!
  “How to Sell Your Home For Top Dollar in 2010”

…It happened again. A client planned his move based on Zillow.com’s “zestimate” of his home value. Unfortunately that figure was way off and it may ruin his plans. Please NEVER use a website to tell you a home value. They’ll only lead you astray (I’ve seen values off by 70%). When you need to know a value, call me at 858-457-KENT or any experienced agent.

…This Week’s Crazy Building: “The Hole House” in Texas. Not sure how they did this…or why someone would want to live in a house that looks like that. My guess is the husband did it as a weekend project while the wife was away…

…Follow me on Twitter or become a Facebook Fan.

True Story: Live By The Sword…And Get Arrested
One of my contractor’s workers was repairing a foreclosure in a rough area. Suddenly a man came in looking for his drug dealer, who apparently used to live there. When the worker said the home was vacant, the man tried to attack him with a sword, so the worker fled the house with the crazy man in pursuit. Fortunately, the worker lost him and called the cops, who arrested the man as he was walking down a nearby street carrying his sword.

Quick Real Estate Tip #23
What's the best real estate website? My www.GaryKentTeam.com is good; the best is www.Realtor.com.

Top 10 Cities With Highest Unemployment Rates
As of September 2009:

Rank------Rate--------Metro
1.--------- 17.3% ------Detroit-Warren-Livonia, MI
2.--------- 15.4% ------Stockton, CA
3.--------- 15.2% ------Modesto, CA
4.--------- 14.3% ------Riverside-San Bernardino-Ontario, CA
5.--------- 14.0% ------Fresno, CA
6.--------- 14.0% ------Bakersfield, CA
7.--------- 13.9% ------Las Vegas-Paradise, NV
8.--------- 13.9% ------Cape Coral- Fort Myers, FL
9.--------- 12.8% ------Lakeland-Winter Haven, FL
10.------- 12.5% ------Bradenton-Sarasota-Venice, FL

Find Out The Value Of Your Home Or Rental Property FREE — Right Over The Phone
Considering selling? Now you can quickly, easily find out today's value of your home or other San Diego County real estate, right over the phone. Call and tell me about your property. I’ll research the market and arrive at an honest, realistic price you can expect to get in today’s market. Need a more accurate figure? Ask me to come by. For your free over-the-phone or in person evaluation, just call me at (858)457-KENT. Please tell a friend…

Join Our "Preferred Client Group" For The Best Values
I find great real estate deals every week. But too often we cant match a client in time and someone else scoops it up. (My bank-clients wont 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:

1. Pre-approve with our approved lender
2. Come in for a short sit-down counseling session
3. Commit to work with us

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

Check Out Our Foreclosure Hot-List!
Want to buy a foreclosure, but can’t find a website to search for them? Finally…check out our 100% BRAND-NEW website: www.Foreclosure-Hotlist.com. It’s 2.5 years in the making (OK, so we were a little slow), but it’s well worth it. Let me know what you think.

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 Over-The-Phone Short Sale Consultation
Do you owe too much on your home to sell? Does this describe a friend or family member? A common solution many people are doing right now is a “short sale”, where the bank agrees to receive less than the amount owed. And it’s all done typically at zero cost to you. To find out more and if you qualify, call me at (858)457-KENT.

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.

FOUR different free seminars for you, family, &/or a friend to attend:

“How to Invest in Real Estate with Your IRA or 401K”

“How to Short Sale Your Home or Rental”

“How to Improve Your Credit & Buy A Home”

“How to Buy a Foreclosure or Short Sale in San Diego”

“How to Sell Your Home For Top Dollar in 2010”

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NEW FREE Seminar
"How To Buy Investment Real Estate With Your IRA or 401K"
UTC Mall – Saturday, January 16th, 10am-Noon
Click for Seminar Flyer / Click to Reserve Your Free Seat

When you attend, you'll discover:

• Invest as little as $50,000...or up to tens of millions of dollars
• 5 simple easy-to-follow steps to get started buying real estate
• Tired of low returns or ugly losses in your retirement account?
• If your IRA buys a rental house, are you allowed to manage it?
• How to make money tax-free/deferred in your retirement plan
• How fast & easy it is to buy real estate in your IRA, 401K, etc.
• You may be surprised at what kind of real estate you can buy
• My experiences buying and selling real estate in my own IRA
• Can you buy from or sell real estate to your own IRA/401K?
• Why hasn’t your stockbroker told you about this before?
• “Partnering” with your own IRA...a little-used technique
• Real estate as a major hedge against coming inflation
• How your retirement account can borrow to buy more
• Do THIS & your retirement plan will UNRAVEL (bad!)
• Simple rule-of thumb to analyze cash flow & return
• Take advantage of historic low real estate values
• You’ll laugh when you hear what I told my CPA
• How to write your offer-to-purchase correctly
• How to partner with your family and friends
• Why you need to know “disqualified person”
• Buy your future retirement home NOW
• Buy for “fix & flip” or rental income.
• Bring your questions!

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FREE Seminar
“How To Short Sale Your Home Or Rental”
UTC Mall – Saturday: January 30th 2010, 10am-Noon
Click for Seminar Flyer / Click to Reserve Your Free Seat

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

• Short sales, clearly & simply explained!
• Are YOU likely to qualify for a short sale?
• Can you really do short sale with -0- out of YOUR pocket?
• How long short sales take...& how to cut the time in HALF**
• Tax impacts of short sale vs. foreclosure (verify w/ your CPA!)
• The document your attorney must read closely to avoid problems
• Your 7 options if you owe too much. Most agents only tell you 3.
• Which “hardships” qualify you for a short sale? Which don’t?
• The specific clause you need in your contract with the buyer
• Do you need to be CURRENT on HOA dues? Property taxes?
• Do you need to be BEHIND on your mortgage payments?
• If an agent does THIS, they likely don’t know short sales
• 5 reasons a short sale is usually better than foreclosure
• THE most important thing to have to do a short sale
• Impact & how long is a short sale be on your credit?
• How soon can you buy a home after a short sale?
• Will a short sale delay or prevent foreclosure?
• Can your lender go after you for their loss?
• Should you spend $ to fix up your home?

NEW FREE Seminar
"HOW TO IMPROVE YOUR CREDIT & BUY A HOME"
UTC Mall – Saturday: January 30th 2010, 1pm-3pm
Click for Seminar Flyer / Click to Reserve Your Free Seat

When you attend, you'll discover:

• How do I get my score as high as possible?
• What information is used to create my credit score?
• How does my FICO impact my interest rate & down payment?
• If I make all my payments on time, will I have perfect credit?
• What if I don't have any credit at all, how do I get started?
• My scores are really low, what should I do?
• I gave up on my credit long ago. Can I ever buy a home? (Yes!)
• Why you MUST pay your parking tickets
• Why you should almost NEVER pay off a collection debt
• How paying off your credit cards monthly may HURT your credit
• How long will a bankruptcy affect my credit?
• Will multiple parties checking my credit knock down my FICO?
• What really is a Credit Score?
• How to qualify for higher loan amounts
• How much must I raise my credit to get a better home loan?
• Lower closing costs & less paperwork when getting a mortgage
• Should you close unused credit cards?
• Why you should lease or borrow to buy a car.
• Components of a Credit Score

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FREE Seminar
"HOW TO BUY A FORECLOSURE OR SHORT SALE IN SAN DIEGO"
UTC Mall – Saturday, February 6th, 10AM-Noon
Click for Seminar Flyer / Click to Reserve Your Free Seat

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

• - With 12% of U.S. mortgages are behind, is there a new wave of Alt-A, Option ARM, & Prime foreclosures coming?
• - Bailouts, loan “mods”, shadow inventory...what’s really going on?
• - How to beat multiple offers & get the bank to accept YOUR offer
• - When homebuyers can put 3% down and investors 10% down
• - Top San Diego neighborhoods with the best REO deals today
• - How to get banks to pay EVERY PENNY of your closing costs
• - Should you buy before home prices climb out of your reach?
• - Auction tricks, traps, and pitfalls that I swear will shock you
• - How to cut in half the time it takes to close your short sale
• - Seller doesn’t have THIS? Don’t even offer on a short sale
• - Free email access to undervalued & foreclosed properties
• - Short sales...5 things to know before you make an offer
• - The #1 mistake people make when offering on an REO
• - Traps in the small-print that banks make you sign
• - New website where you can find foreclosures
• - The truth about a home that’s a “short sale”
• - How much banks negotiate off their price
• - What to watch out for in an REO
• - Much more

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FREE Seminar
"HOW TO SELL YOUR HOME FOR TOP DOLLAR IN 2010"
UTC Mall – Saturday, February 13th, 10am-Noon
Click for Seminar Flyer / Click to Reserve Your Free Seat

When you attend, you'll discover:

• - Market forecast: What’s you can expect in 2010
• - “Value Range Pricing” explained...can it get you a higher price?
• - How to tell if a broker is honest…or B.S.ing you to sign a listing
• - Find out how much higher your buyer will pay—this only works half the time, but when it does…!
• - This one document can protect you & make your sale smoother …and why 99% of agents don’t use it
• - Price your home to get more offers & more money in less time (it’s the opposite of what people think)
• - The oldest real estate agent trick in the book—don’t be fooled
• - How some agents sabotage their clients & cost them $1,000's
• - Avoid the common trap of paying 3 times for the same repair!
• - 3 likely reasons your sale may fall thru & how to avoid them
• - The truth: why it’s 100% irrelevant which company you hire
• - Creatively turn your home’s biggest drawback into a benefit
• - Sell your home tax-free after 2 years using IRS Code 121
• - 10 Interview questions so you choose the best Realtor
• - How to handle multiple offers so you get the most $$
• - Spend peanuts & boost your home value by $1,000s
• - Should you—and CAN you—sell your home “as is”?
• - How to REALLY know if your buyer is qualified
• - 5 dumb avoidable mistakes sellers make
• - When is the best time to list your home?
• - How to stay out of court & not get sued

"I’m buying a short sale and was told I won’t have an answer from the bank for about 2 months. Do you recommend that I inspect the home now, knowing I’ll be out the money if the short sale isn’t approved?"

Answer:
Great question.

There are two schools of thought on this:

A) Don’t spend $300 or so on a home inspection until the short sale is approved as you’ll be out the money if it’s denied.

B) Get the inspection now. Don’t wait (and waste) months for short sale approval, only to discover the house is a lemon and you don’t want it anyway.

I lean toward “B”, perhaps unless it’s a relatively newer home in good shape, as it’s less likely to have any major issues. But still remember to get the inspection once the short sale is approved.

"I’m behind on my payments and considering just letting my home go. Can you tell me why I should do a short sale?"

Answer:
There are several reasons a short sale is better for you than a foreclosure:

1. You often can stay in the home payment-free as long or longer
2. Significantly less credit damage
3. You can buy a home 2 years after a short sale (but 4-5 if you do a foreclosure)
4. Lender cannot sue you for their loss (unless you agree)
5. No shame, stigma, stress of foreclosure

Feel free to call or email to discuss any of these or talk about your personal situation.

"I’d like to buy a home, but have some credit issues. Do you know where I can find out how to improve my credit?"

Answer:
(Part 3 of a multi-part answer…)

Here’s a tip from San Diego credit repair expert Derrick Evens of “Perfect Credentials” (858-571-0271, derrickevens@yahoo.com):

Credit repair/improvement tip: PAY YOUR PARKING TICKETS…

Pay your Parking Tickets:
“The City of San Diego is on a mission to see how many collections accounts they can create with their meter-readers. That's right, all unpaid parking tickets will go to collections right at the City of San Diego. They don't sell these accounts to anyone and are not easy to work with. If you didn't pay a San Diego parking ticket, I promise you have a collection on your credit report. And a collection is the single worst possible account that can hit your credit report. The size of the account makes no difference and if you wait until it becomes a collection to take action, it will cost you more money and the damage to your credit will already have been done. The moral of the story is, if they catch you, just pay the parking ticket. Trust me, it's worth it.”

***Derrick will be speaking at my upcoming seminar, “How to Improve Your Credit & Buy a Home” on January 30th. You and a friend are invited to register and attend.

THIS WEEK'S FEATURED PROPERTY!
	Spacious Ocean View Home In La Jolla Open House SUN 1-4 BR/BA: 3/2 Sqft: 2,107 Price: $1,195,000 Address: 7190 Via Capri, La Jolla CA
– La Jolla – Bank-owned Foreclosure! Fantastic ocean, beaches & sunset views! Spacious ocean view home w/ family room, large picture windows, gourmet kitchen w/ granite counters, maple cabinets, tile flooring & stainless steel appliances, beautiful "wood" flooring, fireplace, California sunroom, MBR w/ bay window w/ views! View Details

Coming Soon
(Be first to know when these come available!)

– Carmel Valley – Foreclosure! Gorgeous townhome in gated “Trilogy”. 2-car garage, FPL, granite, travertine, more. Contact Me
3BR/2BA, 1628 sqft
Recently appraised @ ??? >>> To be 400s?
– Carmel Valley – Foreclosure! Upper end “East Bluff” condo overlooking greenbelt. 2-car garage, interior laundry, FPL. Contact Me
2BR/2BA, 942 sqft
Loaned to 390K >>> To be 200s?
– Chula Vista – Foreclosure! Upgraded condo w/ 1BR downstairs. Ideal first home or cashflow rental. Contact Me
3BR/2BA, 1296 sqft
Last sold @ 354K >>> To be mid-100s?
– Chula Vista – Foreclosure! Cute house w/ hardwood floors, 2-car garage, nice yard, in great Hilltop neighborhood. Contact Me
3BR/2BA, 1444 sqft
Last sold @ 516K >>> To be low/mid 200s?
– Chula Vista – Foreclosure! Enjoy southerly views, designer pool/spa, & more from this spacious 2-story home. Contact Me
4BR/2.5BA, 2394 sqft
Last sold @ 665K >>> To be 400s?
– Chula Vista / Eastlake – Foreclosure! Spectacular 5-year-new home w/ mahogany flooring, granite, slate, family room. Contact Me
5BR/3.5BA, 2382 sqft
Last sold @ 524K >>> To be high-300s?
– Chula Vista / Eastlake – Foreclosure! Affordable “Eastlake Shores” house w/ 2-car garage, nice yard. Contact Me
2BR/2BA, 1012 sqft
Last sold @ 470K >>> To be mid-200s?
– Clairemont – Short Sale! West Clairemont next to Bay Ho. Handsome mid-century home w/ big yard and 2-car garage. Contact Me
3BR/2BA, 1144sqft
Loans to 535K >>> To be 400K?
– Clairemont – Foreclosure! Handsome 1975-built 2-story “Mount Street” home on .26 acres, culdesac, sunroom, nice yard. Contact Me
5BR/2.5BA, 2259sqft
Last sold @ $639,500 >>> To be high 400s?
– Encanto – Foreclosure! Great townhome on culdesac in Meadow Run. Offers 2-car garage, bright kitchen, nice backyard. Contact Me
4BR/2.5BA, 1771 sqft
Recently loaned to 465K >>> To be low 200s?
– Encanto – Foreclosure! 1984-built 1-story home w/ 2-car garage. Oversize 7578 sqft lot. Contact Me
2BR/2BA, 1341 sqft
Recently loaned to 459K >>> To be low 200s?
– Encanto – Foreclosure! Spacious 2-story 1984-built home on quiet street. 2-car garage, nice yard. Contact Me
4BR/3BA, 2088 sqft
Recently loaned to 510K >>> To be high 200s?
– Lakeside – Foreclosure! Spacious 2BR view home on 1.14 acres. Needs some fixup. Built 1974. Contact Me
2BR/2BA, 1351 sqft
Loaned to 360K >>>To be 200s?
– 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?
– Logan Heights – Foreclosure! Affordable 1-story home in urban area, 5 minutes to Petco Park. Great rental or 1st home. Contact Me
2BR/1BA, 1011 sqft
Foreclosed at 398K >>> To be high 100s?
– Logan Heights – Foreclosure! Two units on a 7000 sqft lot w/ alley access, just east of downtown. Contact Me
3/1 + 2/1 duplex
Last sold @ 635K >>> To be mid 200s?
– Nestor – Foreclosure! Ranch-style home w/ 2-car garage, fireplace, good-size backyard. Contact Me
3BR/2BA, 1152 sqft
Last sold @ 395K >>> Price TBD
– Nestor – Foreclosure! Gorgeous 2-story “Ocean Hills” home w/ views, 3-car garage, vaulted ceilings. Contact Me
5BR/2.5BA, 2353 sqft
Last sold @ 585K >>> Price TBD
– Oceanside – Foreclosure! 2004-built Summit Village condo. Minutes to beach, pier, & village. Gated + security garage. Contact Me
3BR/2BA, 1416 sqft
Last sold @ 515K >>> To be high 300s?
– Oceanside – Foreclosure! Luxury end unit townhome w/ attached 2-car garage, vaulted ceilings, many extras. Contact Me
4BR/2BA, 1837 sqft
Loaned to 427,5K >>> To be very high 200s?
– Pacific Beach / Mission Beach– Foreclosure! Mission Beach view condo w/ 2-car garage, walk to beach/bay, quaint 4-unit complex. Contact Me
2BR/2BA, 955 sqft
Last sold @ 420,862 >>> Price TBD
– Pacific Beach – Foreclosure! Beach house w/ private backyard, California room, 2-car garage. Contact Me
2BR/2BA, 1400 sqft
Last sold @ 700K >>> To be high 500s?
– Rancho Bernardo – Foreclosure! Handsome 2-story home in Chateau Bernardo. Breathtaking panoramic views, 3-car garage. Contact Me
5BR/3BA, 3179 sqft
Last sold @ $789,000 >>> Price TBD
– San Carlos – Foreclosure! Affordable “Carefree” condo w/ only one common wall. Walk to Mission Trails Park! Contact Me
2BR/1BA, 880 sqft
Last sold @ 253,500 >>> To be 100s?
– San Marcos – Foreclosure! Affordable "Lake Park Villas" townhome. Near Restaurant Row & multiplex. Contact Me
2BR/1.5BA, 957 sqft
Last sold @ $221,500 >>> To be very low 100s?
– Spring Valley – Foreclosure! Two detached 3BR houses w/ 2car garage, yard, both inside laundry. Live in one + rent other. Contact Me
3BR/2BA + 3BR/1BA
Last sold 642K >>> To be hi 200s??
– University City – Foreclosure! Very affordable 1-level home in prime UC area w/ great schools. Quick 805 & 52 access. Contact Me
3BR/2BA, 1476 sqft
Loans to 547K >>> Around 500K?
– Vista – Foreclosure! Attractive 1-story 1970s home on quiet street near Vista High. 2-car garage, nice yard. Contact Me
4BR/2BA, 1400 sqft
Loaned to $337,500 >>> To be high 200s?
– Vista – Foreclosure! 2-story mountain view home on large lot. pool. Sparkling pool, 2-car garage. Contact Me
3BR/1.5BA, 2424 sqft
Last sold @ $600,000 >>> Price TBD

NEWLY LISTED (Your Property Here!)

Light/bright, well-maintained townhome in quiet complex. Walk to shopping. Quick 805, 163 access.

2 Bed, 1.5 Bath 960 Sqft Price: $244,000

“Creekside” condo offers remodeled kitchen w/ granite, FPL, oversize balcony, more.

1 Bed, 1 Bath 772 Sqft Price: 101K Last sold @ 265K

MORE GREAT HOMES & INVESTMENTS (Your Home Here!)

Lovely 7-year-old Lomas Verdes house w/ 2-car garage in Otay Mesa.

4 Bed, 2.5 Bath 2116 Sqft Price: $375,000

Desirable Eastlake Greens w/ BR/BA downstairs, central a/c, nice yard, 2-car garage.

3 Bed, 3 Bath Sqft: 1377 Price: $329,800 Last appraisal @ 419K+

Extreme fixer w/ pool & 2-car garage. For contractor or sophisticated buyer. Cash only due to poor condition.

3 Bed, 1 Bath 1032 Sqft Price: $295,000

Little Italy penthouse unit w/ sweeping city & bay views. Offers extensive patio, stainless steel appliances, more.

1 Bed, 2 Bath 1199 Sqft Price: $695,000 Sold @ $1,550,000

Gorgeous “Hard Rock” condo-hotel suite in the Gaslamp Quarter. “Rock Royalty” service & full hotel amenities.

1 Bed, 1 Bath 459 Sqft Price: $489,000! Last sold @ 589K

City Heights bungalow-style house built 1924, but renovated 1974. More info to follow.

4 Bed, 2.5 Bath 2006 Sqft Price: $236,900 Loaned to 537K

Well-maintained “Olive Hills” home on quiet street. Offers mountain views, sharp kitchen, FPL, big family room.

4 Bed, 2 Bath 1,904 Sqft Price: $335,000-$365,000

Fantastic custom home w/ front courtyard, private & secluded area, pool + covered patio, views!

3 Bed, 3.5 Bath 2317 Sqft Price: $461,900 Last sold @ 663K

Delightful single-level home w/ many upgrades, sweeping ocean views from most rooms, large lot.

3 Bed, 2 Bath 2,107Sqft Price: $1.207M Previously appraised @ 1.44M

High-end remodeled luxury home w/ spectacular ocean and coastline views! Granite, marble, hardwood bamboo, etc

3 Bed, 2 Bath 2188 Sqft Price: $1.7M to $1.9M

5-year-new “Scala” in Mission Valley. Near Qualcomm, shopping, dining, movies.

3 Bed, 3 Bath 1589 Sqft Price: $475K

Stylish upgraded condo w/ hardwood floors, travertine, private patio. Gated complex.

2 Bed, 2 Bath 1050 Sqft Price: $220,000-$250,000 Last sold @ 420K

Remodeled 1-level beachfront penthouse condo w/ panoramic whitewater ocean, beach, sunset views!

2 Bed, 2 Bath 1000 Sqft Price: $1,099,000

Cute “Villa Bonita” condo, ideal 1st home or rental. Complex has tennis, fitness center, pool.

1 Bed, 1 Bath 675 Sqft Price: $74,500 Last sold @ 115K

Brand new 2009 construction, re-built virtually from the ground up. Extreme high quality: granite, etc.

4 Bed, 2 Bath 1680 Sqft Price: $368,000

Due to production and shipping expense, free items are available only to residents, owners, and people planning to purchase real estate in San Diego.

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.

Copyright 2010 Gary Kent, All Rights Reserved.