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Resume of Jannis Sams |
 Janis Sams
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SPECIALTIES
INCLUDE:
-Relocation
-Buyers & Sellers,
Residential
-New Homes
-Commercial
-Land, Lot & Acreage
-River, Lake & Waterfront Properties
-Golf, View & Mountain
Properties
-Seniors & Retirement Properties
-Financial Advisor
-Cleveland, Bradley Co., & Chattanooga Areas
-Clients include
First-time, Move-up, & Transferees
MARKETING:
-Featured with I-Leads
-Informative
Client Follow-up
-Customized Information Kits
-Aggressive Marketing
Plan.
EXPERIENCE:
-Top Producer
consecutively from 1997-2001.
-Licensed in Tennessee in 1995
-Consistant Million/Multi-Million Dollar Producer since 1996
-Certified
Relocation Specialist
-River Counties Associates of REALTORS
-Board of
Directors 2000-2005
-Master's Degree
PERSONAL:
-Bradley
C. Resident for 28 Years
-Husband: Tim, Teacher
-Children: Bryan, 23
& Brandy, 19 |
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Resume of
Max Phillips |
 Max Phillips
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SPECIALTIES:
-RELOCATION
-RIVER, LAKE, & WATERFRONT
PROPERTIES -GOLF, VIEW, & MOUNTAIN PROPERTIES
-Commercial Real Estate
-New Homes & Developments
-Land, Lots, & Acreage
-Seniors
& Retirement Properties
-Financial Advisor
-Cleveland, Athens,
Chattangooga Areas
-Clients include First-time, Move-ups, & Transferees
MARKETING:
-Customized Marketing
Plan
-Virtual Tours
-Customized Information Kits
-Area Tours
-Informative Client Follow-Up
EXPERIENCE:
-Licensed Real Estate Broker since
1981
-Certified Relocation Specialist
-Certified Real Estate Instructor
-Consitent Multi-Million Dollar Producer since 1981
PERSONAL:
-Lifelong Resident of Cleveland/Bradley County
-Happily Married since 1980
-Children: Sloane, 22 & Taylor,
16
-Hobbies include Auctions, Golf, and Cuisine
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Buyers Remorse >First Time Loans
Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.
Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.
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| Q |
Who received the largest land grant ever given to an English subject for only two beaver skins per year?
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| A |
William Penn, the Quaker leader, received Pennsylvania and Delaware to settle a debt owed his father by King Charles II. |
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