HELP! My husband and I have our home under contract to close in March. How do we calculate our property tax obligation?

Hi Sue,

Hopefully your title company or closing attorney will verify this for you. I suggest you contact them 1^st thing in the morning.

To calculate your property tax obligation. Take the appraised value in the last tax year (2013) divide the number by 365 then multiply by the number of days in the year you own the home for example with a closing of March 17, 2014:

Taxes based on tax authority appraisal value : $10,000

$10,000/365 = $27.40 daily tax rate

$27.40 * 76 Days (include the closing day) = $2082.40

So this is the amount you will credit buyers at closing so that when the taxes are due the 3 of days you owned the home in 2014 is taken into account. Most closings will also have a document that both buyer and seller sign that is basically an outside agreement that if there is an underpayment of taxes at closing the sellers agree to reimburse the difference to the buyers. Same if there is an overpayment of taxes at closing the buyers will refund the sellers.

In order to make this happen both buyer and seller are responsible for contacting the other party with an accounting of actual taxes based on new tax appraisals since most taxing authorities do not typically set tax rates until fall time frame.

I hope this information helps you in your planning. If you have any other questions or need assistance in a referral for Realtor® services for your next home please contact me!

Kind Regards,

Bob Kenney, Realtor®

Reilly Realtors

Mobile/Text : 512-922-4922

My friend told me that if I listed my own home, Realtors with buyers will do all the work and I wont have to pay them? Is that true? It doesn’t sound right.

Thanks Bill for email.

“If it sounds too good to be true than it is”. I a homeowner lists their own home we refer to that in the industry as a FSBO (for sale by owner) 90% of the time a FSBO will offer to work with buyers agents. This means if and agent brings a buyer, the seller will agree to pay a compensation in the form of a commission to the buyers agent. In the case of the other 10% they say they will not work with an agent and compensation is between the buyer and their client.

It doesn’t sound right because, the FSBO who does not want to work with the buyers agent, puts all of the exposure on performance on the buyers agent who is now obligated to represent their clients interests and be fair to the FSBO making sure that contracts are explained and understood, procedures are followed, time lines met and that the seller complies with any additional addendum or requirements of the sale (such as repairs etc.) As a professional real estate agent, Realtor®, I would make sure all of this is done and have an agreement with my client that they pay me compensation for my representation.

At the end of the day the compensation is being generated by what they are willing to pay for the home so in the end the seller is ultimately paying for the compensation depending on sales price because his net proceeds is a reflection of what the buyer is willing to pay GROSS. Hope that makes sense!

Look Realtors® are like all professionals. They need to work to provide for their families. A commission is a % of transactions proceeds. Much like the sales of any item you purchase has some accommodation for profit over and above the cost of goods that a vendor is selling. From the “profit” there is a “gross profit” and a net “profit”. If a Realtor® generates $1000 in commission, they need to set aside federal and state taxes, deduct expenses directly related to that transaction & deduct brokerage fees (each broker has a fee schedule that they charge each agent on each transaction) so their net is going to much less than that of the whole amount.

As a Realtors® business and volume grow they also have an increase in expenses for advertising, infrastructure, assistance, office/storage space, travel, advertising for a realtor is working and marketing 7 days a week.

If you get buyers agents that don’t want to coordinate a deal if a FSBO is not working with agents don’t think of them bad agents. It is a lot of exposure legally if something is to go wrong and a lit of pressure treating all parties fairly while maintaining the fiduciary relation ship of their client. If everyone works with one another the trans action will be smoother and chances are there will be less issues resulting from unmet expectations or lack of understanding of the contract and its terms.

I strongly suggest if you are selling your own home that you spend a little money having an experienced real estate attorney look at any contract that is presented for you to sign.

Hope this answers your question Bill. I hope that you have a successful transaction. Don t forget to consult with an reputable full service real estate broker in your area to see all of the services that they can provide for you as your listing agents, Realtor® representative.

Let me know if you need a referral or have any further questions.

Regards

Bob Kenney, Realtor®

Reilly Realtors

Mobile/Text: 512-922-4922

What does a Real Estate agent do once a home gets listed? I have an agent selling my home and I don’t hear from her on a regular basis. This is the first time I have sold a home.

Hi Anna,

While I don’t know the particulars of your situation I can give you a brief descriptions of all the things going on behind the scenes of getting a home ready for listing.

Weeks before a listing there is an initial walk through of the home by you and your Realtor®. This would give your real estate agent the opportunity to familiarize themselves with your property, take notes for the listing information (types of appliances, gas or electric services, counter top type, general condition etc,) Your agent will also use this opportunity to get an idea about general condition of homes and how it compares to other homes either active on market or recently sold in the area. This will help them prepare the CMA (comparative market analysis) that they will present and go over with you as a guide to pricing your home for the market.

Also at that time you should be discussing what you, homeowner, may want to do to get the home in showing condition. This is sometimes a touchy subject with homeowners because we (home owners in general) are proud of our homes, as we should be. In the vast majority of cases homes are where we live. Depending on family makeup day to day living is not as it is always portrayed on TV shows and in movies.

On any given day I know exactly what someone walking into my home may face. Kids cloths in strange places, dishes in places that no one remembers eating at, things stuffed into couch pillows, napkins that the dog got a hold of and has torn apart. As you all know the list can go on and on. This is what a welled live in home sees every day.

Now comes time for listing a home. If your real estate agent does not have the knack they may bring in a professional “stagger” to assist. The idea is simple make the homes first impression to prospective buyers pop. They might suggest removing “Clutter” from a room This is a catch all phrase – Too many pieces of furniture that may be cluttering a room to the 50 nick knacks on the book cases that hold personal value and memories to you and your family. Every room in a typical home has clutter typically so don’t be offended with these suggestions and by all means every suggestion does not have to be acted on.

You have always heard “remove all personal photos”. In some homes there are walls of family photos from years of traveling and events. These photos are meant to remind the homeowner of all of these wonderful times but to a prospective buyer coming through the home they are a distraction. You don’t want them concentrating on your vacations because then they are not going to remember the home. This is my opinion why your photos need to be removed and stored for your next home. Yikes once you take down the photos you may have faded walls where the photos are, would suggest a quick coat of paint over that wall.

So we go room to room and make suggestions,, rearrange furniture, maybe remove some pieces to make rooms bigger, check out conditions of carpets and floors. Caulking around Bath tubs, weather stripping on doors, missing lights (or ones that don’t work) walk around outside looking for things a buyer might see. Wood rot at window sills, exterior caulking that is deterioration, missing shingles, overgrown bushes, trees that may need to be trimmed. As you can see there is potentially a lot of work that may need to be done.

Once you can get a list together it is easy to go through and estimate costs, see what you the homeowner can do on your own etc. A lot of the things are just deferred maintenance that we all get too busy to do at times.

Personally I have for clients, power washed decks/drives, cleaned windows, landscaped whenever I think I can lend a had to the appearance of a home. We do this so that the property makes a good 1^st impression. And we all know that 1^st impressions are very important.

Then the photo session! So since there are so many people starting their search on line your photos have a lot to do whether a potential client wants to see your home or not. We have all been on line looking at something, Houses, cars, cloths, jewelry and you know there are just some photos that don’t make things appealing. The agent in most cases will hire a professional photographer to come in and shoot your home. Most people cant believe it is there home when they see it presented on line but all of the weeks of hard work will now be rewarded.

OK next is the paperwork setting terms of the listing, how to handle showings (appointment with realtor/homeowner) call 1^st then go, how to handle comments by other agents/buyers, homeowner filling out a complete sellers disclosure. The key here is DISCLOSURE, DISCLOSURE. Disclose any issues you are aware of old or new.

So after all this the home goes into MLS or your locale way of listing a home. Sign may or may not go up and the showings start. Your realtor will then be requesting feed back from those who are showing your home (usually asking the other realtors for feedback of theirs and their clients). Some clients want to see every comment on the property regardless if pro or con. Some clients just want to know if they are going to make an offer. I had one client say don’t “never show me negative comments I am not doing any more work!” So it all depends on how it was discussed during the previous strategy sessions over the weeks coming up to listing.

Also during all of this there most likely is a separate marketing campaign going on that you don’t always see. Today there is a lot of online buyer looking for property so agents are busy posting your home for sale on any various sites. There is no one set way of market strategy most agents have had success in many different ways and they do what they think best for a property by property basis. There is also online and personal networking with other agents in your area. All of these things in combination of a local listing service are very minimal actions your agent is taking behind the scenes. Of course there are ads that may be appropriate for locale or regional publication that need customizing and have deadlines so the main story here is there are lots of things going on behind the scenes.

I am not sure what is going on with your case Anna, every situation is different, but this outline above catches about 80% of the tasks required (I am sure I missed a few minor tasks that are automatically done) to successfully get a home listed and presented to the marketplace. I am sure other Realtors® reading this will have slightly different processes or maybe some follow similar process but the end result is getting your home presented to the market and making the best 1^st impression possible.

There is nothing like the feeling that a homeowner/Realtor® experience when a buyer comes to your home because they liked what they saw on line. Stays at your home for an hour or more and writes you an offer.

I wish you luck in the sale of your home. I would suggest if you have not heard from your agent that you call them and ask them if they could communicate any activity, comments (good or bad) and let them know you need a little more involvement in the process.

If you have any further questions please do not hesitate to contact me

Mobile/Text: 512-922-4922

Regards

Bob Kenney, Realtor®

I am thinking about listing my home and a friend referred me to an broker who provides limited services. What does this mean?

Hi Jennifer,

Great question.

There are some brokers that provide "limited services" for buyers and sellers of real estate. If you include the phrase “limited representation” in this description you would have a clearer picture of what they are offering.

From my experience they usually offer a seller to list the home in a locale MLS and maybe put a sign in the year. The seller is responsible for making appointments, following up on agent visits, any interaction with interested parties and all marketing and advertising expenses. In some cases they will receive an offer but consulting on the offer is an additional charge from their “services menu”.

Most of these “limited services” brokerages will offer all of the additional services from a “services menu”.These services are on a fee basis(A la caret). $$ for sign, $$ for asking agents what they thought about your property, $$ for negotiating contracts etc. There may be some advice given when an offer is received but typically the seller is relying on his or her knowledge about the real estate market to make decisions.

For this limited service they will charge you less than what a full service brokerage would charge you to list the home. Full service brokers on the other hand become your partner in the process. Running interference with buyers agents and their clients by gathering answers to questions that they know will be asked beforehand, marketing and advertising costs are paid by the agent/broker, getting the best possible exposure for your property, advising on strategies, pricing and timing of market conditions, advising on what needs to be done to get a home ready for market, doing analysis of the market so you can be competitive when you list, handling all of the paperwork that will be needed for a successful transaction. There is much more that each individual agent brings to your table that is not on a Service menu basis but part of the obligation that the real estate agent has with their client.

For buyers similar limited representation, they may get notified of listings in the area they are interested in but when it comes time for making appointments with listing agents or sellers it is all up to the buyer. They will produce an offer for the buyer at the time the buyer identifies a home they are interested in and in a lot of cases prepare offers for homes they have not even visited. I once had an out of town buyer contact me to see a home my broker had listed because his agent said if they were only in town to look at homes he did not have time to show them properties, just let him know when they found something they liked and he would write an offer!!

Everyone is entitled to their own opinion on this type of service. I had a client once mention after talking to a limited service company it felt like having to go to court with out your lawyer!

In either buyer or seller case it depends on how comfortable the client is with dealing with the whole process by themselves. Sometime the opposing agents get a little frustrated by doing the work of 2 agents but having to pay the other agent a commission for less than full service. For the full service areal estate agent at the end of the day it only matters if their clients interests are best served so you do what you have to for your client.

I would strongly suggest you meet with a full service brokerage in your community and compare the level of services and dedication you may find with a full service brokerage. Keep in mind it takes a lot of the stress off of you during the selling process when you have someone working side by side with you instead of being available just a FEE away!

Good luck in your listing. Please feel free to contact me for Full brokerage services if in the Austin, TX area or if you need a referral for anywhere else in the world!

Kind Regards,

Bob Kenney, Realtor®

Reilly Realtors

Mobile/Text: 512-922-4922

Hi Elizabeth,

I assume you mean from the Buyers prospective? Here are some basic to help understand the negotiation process.

Once a property if “Offered” for sale it is offered with specific terms such as price and condition. Time frame of the transaction is left open for negotiation unless otherwise specified (must close on or before X date).

As the buyer you have a couple of options. You can make and offer using the offered terms with no changes and add you desired day of close. I usually include time frame for response, “please respond by 5Pm of the following day or this contract may be considered null and void” this helps makes the transaction move along at a reasonable pace and helps prevents the seller from shopping your offer with other potential buyers. Once the seller receives this offer they then have 3 options

1.     Accept your offer – Offer is signed by all parties and the contract proceeds to Escrow.

2. Counter offer any of the terms including price, day of closing
3. Not respond in which case your offer has not been accepted

If you receive a counter offer you now have the same 3 options as the seller had when they received your offer (as above)

It is important at this point to realize that ANY change on the contract, even if it was something previously not changed of changed makes the contract eligible for the 3 responses. So for instance you agree to all the changes the seller has countered to you with except now you want to change the Number of days you may have for an option. This change goes back to the seller and now they have the 3 choices in their court.

So you see it is important to list out all terms early on and decide which ones are most important to you and would be worth either breaking a deal or moving on.

Now the really important part:

NO DEAL IS CONSIDERED TO BE A EAL UNTIL ALL PARTIES HAVE INITIALED AND SIGNED THE ENTIRE CONTRACT AND ALL ADDENDEM,

In regards to Texas Real estate once the parties have agreed on all terms of the contract, initialed and signed all parts of the contract and any addendum the contract is considered Executed. Then the contract (in Texas) is delivered to a title company along with the agreed upon Escrow funds the minute after the contract is executed the clock starts ticking on the various time sensitive deadlines of the contract including getting the contract delivered with escrow funds to title company.

Remember there are lots of parts to any transaction so the required addendum and number of negotiated terms may vary from transaction to transaction.

I hope you find this helpful and should you have any further questions please feel free to contact me at your convenience.

Bob Kenney, Realtor® Mobile/Text : 512-922-4922

I am ready to buy a home should I have financing arranged prior to a search?

Hi Angelia,

While there is no requirement for you to have been approved prior to a search there it is a very good idea for you to have talked to a mortgage lender and if possible get a per-approval so that you will know what price range you can afford.

He process moves astoundingly fast once you place an offer on a home. So as many things as you can do in preparation for closing on a home of your choice the smoother the transaction.

• Financing – Know what you can borrow based on your income. Debt obligations and cash reserves. A licensed professional is the best source of information. There are several ways to find a good mortgage lender.

Realtors® are a good source. They will give you the names of lenders they have worked with in the past and have proven to be good representatives of their clients best interest. Among other responsibilities your agent should be looking out for your ability to close a transaction w/in a specified time frame and knows lenders who are capable of processing and closing deals in the most efficient way. Make sure you talk to all referrals, sometimes clients can get a feel for personality fits after talking to a lender.

Banks. Your bank is also a good source. If they do not have mortgage services available they most likely have a corresponding relationship with another bank that does.

Friends that have recently closed on a home – If you have close friends who’s opinions your trust ask them about their experience with their lender of choice. A lot of clients value the opinion of people they know and trust.

• Current living situation – Regardless if you are in a lease or own a home. Have a plan in place to shift out of your current living arrangement. If you are having to break a lease make sure you know all penalties/options available to you from the management or owner of your lease unit.

Ask your Realtor® to do a CMA on your home and see what current market values are. A lot of consumers have inflated ideas on home value and the mortgage lander will need to know what you owe and what the current market value.

• Timing – A lot of people forget they have to specify a time frame on the offer contract that they intend to close on a home. There are several other time deadlines in the contract that must be met as well so make sure your agent explains all of the phases of the contract and exact deadlines that you have to perform under the contract terms. Pay close attentions to any changes that may be made during a negotiation some of these dates may be negotiable.

 

• Consumer purchases – All mortgage lenders will tell you right up front - “DO NOT MAKE ANY LARGE CONSUMER PURCHASES DURNG THE APPLICATION PERIOD”

It is tempting to buy appliances, furniture etc before moving into a new home. Any credit purchases of changes in cash positions will have an affect on the Debt to Income ratios the lenders use to help determine your ability to make mortgage payments. Hold off until after the home closes. The lending company is going to verify your credit/bank account balances and employment w/in 3 days of closing. If there are any large changes this could affect your closing date as they will need to verify the changes and possibly ask for explanations about cash deposits etc..

So best advice is to have as much of your financial information in order to help delay approval process. Be proactive in finding out reputations of the lenders your are targeting to use and listen to what your referring sources have to tell you. Seek advice only from qualified professionals. They are in the business everyday and may know some things that lenders will not tell you up front.

Hope this information assists you.

Please do not have any hesitations in contacting me direct if you have further questions.

Regards,

Bob Kenney, Realtor®

Mobile/Text: 512-922-4922

Contingency offers: Good or Bad?

Most agents selling real estate in the last 10 years has received a “contingent on the sale of other property” contract at one point or another. Is it good or bad for your seller client?

Like everything else in a negotiation it just depends on what the property being sold is, How it is priced compared to the market conditions and the terms that are offering.

FACT – The majority of consumers looking to buy a new home will need to sell an existing property to access equity and reduce Loan to Value ratios in order to qualify for a new mortgage. Of course there are exceptions to that statement. Buyers with Cash, someone who may own an existing property outright but most people will need to sell one home to buy another.

So it all comes down to TIMIMG

I urge my clients to look at the offer they receive 1^st and once they address any terms that need addressing but before there is a response, then look at the contingent property.

This requires a little more cooperation from the buyer and his/her agent. Once a consumer has found a home they want to buy they tend to get pretty serious about getting their property sold. If the property is one the market and they have an offer that is past the option periods then it is still considered contingent but it is a little stronger than maybe something that is not on the market, not ready for the market and is going to be priced too high for quick contract.

Each situation is unique and I think contingency offers need to weighed just as seriously as non contingent offers. Is there risk for a seller to take a contingent offer? Yes. What if the contingent home does not close on time? You would have signaled to the market that you have a contract on the property but a contingency and it may be dismissed by some other potential buyers. Are there benefits for the seller ? Yes typically you can be a little firmer on price that with someone who may think they can discount you property if paying cash or other favorable terms.

So I would always suggest that the offer be considered as serious as any other offer and treat it was much respect. In 13 years as an Agent I have had only 1 Continent deal fall through and it was a client who was not very honest about the sale of their property. Other than that I have concluded several contingent contracts successfully and when a buyer is in that position I have learned that the presentation of the offer, terms and status of their home sale if handled correctly can be a positive for the selling client.

Let me know if you have any questions.  I appreciate your referrals!!

Send questions to Mobile/Text: 512-922-4922

Regards,

Bob Kenney, Realtor®

“What’s going on in the market?”

Ever ask a Realtor this question at a party or social event? Surprised at the generality of the answer?

We as Realtors are taught to respect the Agent/Client relationship. If you are not formally working with an agent you are what we refer to as a customer.  In an Agent/Customer relationship there is no general understanding about the respective roles of each individual.  A Realtor sounds guarded because we are taught not to give advice that others may act on if they are not clients. Seems trivial but it is rather fairly straight forward. You might not reveal all the particulars about a property or transaction you have in mind when you ask the question. You act on agent’s thoughts and later feel you were misadvised about the state of the market. This has actually happened and as a result Realtors have been faced with having to defend themselves in law suits.

In an Agent/Client relationship there is full disclosure of motive, fiduciary responsibility of the Realtor to protect these motives and all personal information disclosed in the relationship. This fiduciary responsibility survives any contractual dates and a good, professional Realtor will make certain you are advised of these facts. Thus when advice is given it is specific and well thought out.

There are several misconceptions a professional Realtor deal with on a daily basis “every Realtor should be advising me on the market conditions” and “why should I pay a commission, I know plenty of people who want to buy my home”.

Well 1^st and foremost I am a professional and I earn a living and pay my bills by advising my clients about the sale and purchase of real estate. If I were to come into a consumer’s work place admire a particular item or service and say “great, I like that can I have it for free” I don’t think I would get a very good reception. Unfortunately this happens quite a bit in Real estate.

There is also a general misunderstanding in regards to the costs of a Real estate professional participation in a real estate transaction. Some consumers look at the commission as an inflated cost that no one agent can justify. I like to educate my clients explaining that the total commission does not reach my pocket intact. There are typically broker fees, expenses that are paid out of pocket by the agent (in 90% of the cases there is no expectation of reimbursement, even if a deal does not happen), Federal tax liabilities and regular expenses associated with maintaining license/ association memberships etc. 

It is just like every other business out there. You have a gross and a net compensation. The goal of every Realtor is to increase his/her sales to help average the costs of maintaining their license and professional designations.

Commissions are such a touchy subject with some consumers and Realtors that they tend not to talk about the costs associated with a transaction. In my business plan I have a mix of business. Client referred, repeat clients, new client associations through marketing and market exposure, Realtor/Broker referral business and 3^rd party relocation referrals. All of these types of clients are treated equally by me even though they all have some different fee structure associated with them. The goal at the end of the year is to achieve an income level that allows reinvestment back into the profession and earn a sustainable living.

There is a reason that Real estate plays such a large role in our current economy. It is not only the Realtor commissions that generates income, all of the inclinatory services from Property inspection, appraisal, title or attorney fees, mortgage lending, credit reporting, moving services, home improvement if you think about it one transaction generates a lot of momentum into the economy and it is no wonder we were in such dire straits when the markets ceased in 2009/2010.

So next time you are talking to a Realtor at a party or social gathering ask “how his/her business is going” instead of “what is happening in the market”. You might get a different response then what you are used to. And don’t be surprised if the Realtor asks if you are in the market and if so do you have an agent representing you interest. They are asking for a reason.

I wish you all the best of luck in 2014.

May your dreams come true, your goals be realized and your health well

Kind Regards,

Bob Kenney, Realtor

VP Turnquist Partners Realtors

Mobile/Text: 512-922-4922

Email: rkenney51@gmail.com

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I am thinking of moving to Austin, TX. Where do I stat!

Great question Jen,

Thank you for contacting me. If you are moving to Austin why of course you want to call me! 512-922-4922 is my mobile.

This is an important question no matter where you are relocating to. why? because you are not only choosing a Realtor to assist you in getting set up in a new place but you are also choosing a partner in the transaction. Your Realtor of choice should be keeping your best interest in mind at all times, guarding your privacy and giving you the time you need to make the best decision. This will help reduce the ever present stress involved with any move and also helps manage your valuable time.

If you find someone that will send you listings and tell you to drive by the listings when you are in town and call them if you want to see anything you may want to reconsider engaging them for your search. This is a true scenario I have seen times and in my opinion is not the sign of someone that is going to spend a lot of time representing your best interest.

1st thing you need to do is contact a licensed Realtor so that you can discuss your goals relative to a move into the Austin area.

If you know a trusted Realtor/Broker in your home town ask them if they have a recommendation of a broker. Now of course this might single that you are moving so their ears may perk up a bit so make sure you have a plan of action on your current housing situation. Also be aware that if this Realtor/Broker refers you to the right agent they may be receiving a referral fee from the agent on the other side. It is OK because this is a professional courtesy and should in no way affect the services you are going to receive by the new agent. It also makes asking for the referral a little easier because some folks think it may be an imposition to ask. don't let it be Realtors love the opportunity to refer a client to a new market even though they may be a little sad you are leaving!

Why is it important to choose the right Realtor? because they will become a partner in your search for your property. If you find someone that will send you listings and tell you to drive by the listings when you are in town and call them if you want to see anything you may want to reconsider engaging them for your search. This actually happens and is not the sign of someone that is going to spend a lot of time representing your best interest.

There are a few ways you can find the right agent. You can search the commercial real estate sites like Trulia and Zillow but I will caution you not to go solely on the recommendations of "neighborhood experts" or "top producers" on these sites. These are usually paid positions that the agents have invested in to get to the top exposure and more leads. It does not always mean they are the experts in the areas they appear in. They aren't cheap either and this is a testament to consumer trust in "if it says they are the expert than they must be the expert".

The key to all of the social media platform based Realtors is you need to take additional steps once you have identified an individual. When I have a vendor/client I want to know more about I start with a Google or Bing search. This usually produces additional web exposure on the individual. Including Linked in, personal web sites, yelp reviews etc..

All successful realtors will be able to provide you with references of previous clients so make sure you ask and follow through contacting these references. Like job applications you want to make sure the references are real (one good indication about the agents character!) and gives you a chance to ask the reference about things you find important when working with agent. for instance:" Were they professional", "helpful and honest in opinions", "dedicated", "trustworthy" whatever criteria you are looking for in a representative.

Jen I hope this helps you with the beginning of your thought process. Wherever you end up moving I wish you the best and hope all of your transactions are successful ones.

Holiday wishes for everyone

Bob Kenney, Realtor
VP Turnquist Partners Realtors

Mobile/Text  512-922-4922