Our Experience, Credentials, Track Record, and Awards
Real estate is a complicated business. There are hundreds of
details that must be handled on a timely basis in order to provide quality
service. You can be assured the Cole Team will explain the whole process and
expertly handle all the details, so there won't be any surprises from the start
to finish. The Cole Team has assisted more than 700 Buyers & Sellers make a
successful move. Career sales total over $70,000,000. Selling or listing a home
every 2½ days allows us to offer a high level of skill, experience and
service.
SERVICES PROVIDED:
- COMPUTERIZED MARKET ANALYSIS - A report of
comparable homes that have sold recently and home currently on the market, to
determine a true market value for the subject property.
- FINANCING PROPOSALS - Written proposals such as
Buyer Qualifications, Financing Plans, 15 year vs. 30 years Mortgages,
Adjustable vs. Fixed Rate Mortgages, Rent vs. Buy, Repurchase Analysis, and
Amortization Schedules that will help buyers and sellers in the decision making
process.
- RELOCATION PACKAGE - A complete portfolio of
information about the city you are moving to if you choose the Cole Team to
assist with your move. This can be very helpful with the local housing market
as well as schools, shopping, transportation, entertainment, and many other
interests.
BUSINESS ACHIEVEMENTS:
- Top 1% ranking of real estate agentss
nationwide
- Top REALTORS Sales Production Kosciusko County since
1996
- Ranked in Top 15th of 1,000+ RE/MAX of INDIANA agents.
- 1999 Guest Panel Speaker, Wisconsin Association of REALTORS
State Convention
- Consecutive member since 1996, RE/MAX Platinum Club -
Highest International Sales Award
- 1997 RE/MAX of Indiana ACE Award, 5 Realtors Awarded
Statewide
- 1997, RE/MAX Hall of Fame Award - Highest International
Career Award
- 1995, 1994 RE/MAX 100% Club - Second Highest International
Sales Award
- 1993, 1992 RE/MAX Executive Club Award ~ 1991 RE/MAX
Presidents Club Award
- CRS Certified Residential Specialist; 1990, '91, '93, '00
Marketing Courses
- Buyer Specialist Univ. - Chicago 1997, Team Training &
Systems Univ. - Atlanta 1997
- Master Marketing Univ. - Dallas 1998, Listing Specialist
Univ. - Cleveland, 2000
- Kosciusko Board of REALTORS Continuing Education
Award
- Wickman Residential Marketing, 1992 Graduate &
Production Award Winner 1992
- Howard Brinton National Conference annual attendees since
1996.
- Stumpf Main Event Graduate 1996 - Nasby Realty Marketing,
1993 Graduate
- Past Chairman Kosciusko Board of REALTORS MLS
Committee
- RE/MAX of Indiana; 1995, '94, '93 - SEC Council
Member
- Past Presidents; Warsaw Merchants Association
- C-CREC Certified Real Estate Consultant member,
2001
County Courthouse
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
What was the first territorial acquisition made by the U.S. Government?
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| A |
The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
