ABR, CRS, & CNS Designations
ABR- Accredited Buyer’s Representative Even though buyer representation is now largely available to homebuyers across the country, it wasn’t always so. As an advocate of homebuyers, REBAC (Real Estate Buyer’s Agent Council) has played a key role in creating that change—helping homebuyers receive the same level of representation in real estate transactions that was previously only awarded to sellers. By effecting substantial changes to the REALTORS® Code of Ethics, REBAC has helped change the way real estate brokerage is conducted across the country, ultimately providing better service to real estate homebuyers. An ABR, such as Sue De Legge, serves homebuyers by providing valuable information resources on the buying process and helping to connect homebuyers with their perfect home.
CRS- Certified Residential Specialist The Certified Residential Specialist (CRS) is the highest designation awarded to sales associates in the residential sales field. The CRS designation recognizes professional accomplishments in both experience and education. Since 1977 the Council of Residential Specialists has been conferring the CRS designation on agents who meet its stringent requirements. Currently, there are more than 34,000 active CRS Designees. Every REALTOR® must have significant experience and demonstrate volume of real estate transactions or gross sales, as well as complete rigorous educational requirements. Every CRS designee is required to maintain membership in the National Association of Realtors® and to abide by its strict Code of Ethics. That means, when you work with a CRS, you can rest assured you're dealing with a trained real estate expert who will treat you fairly and professionally every step of the way. The training available to CRS designees includes a strong focus on technology and its applications in the real estate business. Less than 4 percent of all licensed Realtors® are Certified Residential Specialists because only 1 in 20 REALTORS has the sales record and advanced training to carry the CRS Designation. If you're serious about buying or selling a home, working with a Certified Residential Specialist can give you a serious advantage.
CNS- Certified Negotiator Specialist Negotiation skills are the backbone of a successful realtor, and sophisticated negotiation strategies and tactics are critical in achieving your goals and making deals happen. CNS’s such as Sue and Gina, received an expert level of training along with specific techniques on how to negotiate more effectively in behalf of buyers, sellers and other agents. By applying these techniques and strategies, they can negotiate the best prices and terms on behalf of their clients.
-Member of San Diego County Association of Realtors ·Top 2% Nationwide 
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Financing Your Home >Owner Financing
If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.
Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.
Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.
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What is the mysterious American island whose private owners are intent on preserving the ways of early island life?
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The Robinson Family, owners of Niihau, Hawaii, have done everything in their power to preserve traditional ways. |
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