Conatact Management System April 2, 2014

Your Entire Business at Your Fingertips

The simplified solution to an age old real estate problem; Moxi Works (formerly known as Broker in a Box) is your marketing plan for the year distilled into a beautifully automated, simple to use and fully mobile web based platform… 

 

Contact Management System

After years of fielding questions on what contact management tool agents should use to help them keep in communication and stay in the "sales flow" process with their clients, my answer was usually three fold.  Are you a Buffini disciple?  Are you extremely analytic in a "Top Producer" state of mind?  Or, do you want to try something new and overly complicated?  But none of those products were the sure fire solution to the problem of keeping an agent on top of their business and marketing goals for the year.  Now, for my Windermere agent friends out there, I have only one answer, Moxi Works!!! 

Yes, a new contact and sales flow management tool that is your automated marketing plan for the year and beyond; a site that is simple to use, visually pleasing, and mobile friendly that includes easy access to all of the tools and products you have come to love from Windermere.  Using your contacts and the Microsoft 365 Exchange email platform, this tool will help you stay in the sales flow process with your clients from first contact to handing over keys and beyond, keeping track of and reminding you about important dates and tasks along the way.  Moxi Works includes an automated email marketing piece, Neighborhood News, that can be set up with "one click" to go out to your prospects (warm leads) with a drill down piece that takes them directly to your agent website for a beautiful market stats piece built within your site!!! 

Want more business for the year?  This system includes a goal tracking piece that uses integrated MLS data along with a complex mathematical formula to keep you up to date on your current progress and what it will take to reach your target at the end of the year without you having to do any complex math yourself.  In short, it's an automated coaching system for those who want to take their business to the next level, and best of all, the whole system is completely mobile friendly, no matter what device you use!!! 

Contact Management System

This is just the beginning; too much information all at once can be overwhelming, so much more will be coming in future updates…  Did I mention that WORC (Windermere Online Resource Center) gets a much needed facelift in this whole process as well?  YOU ARE GOING TO LOVE THIS!!!

Foundation March 20, 2014

Windermere Foundation Celebrates…

Another reason why I love Windermere…

Posted March 17 2014, 10:05 AM PDT by Shelley Rossi

Windermere Foundation Celebrates 25th Anniversary With “Charity Challenge”

 

Posted in Community by Shelley Rossi
 

Portland Oregon Homes

 

Everyone around Windermere is a little excited right now. Why, you ask? Because we’re giving away $125,000 to some very worthy non-profit organizations!

But we need your help.

In honor of the Windermere Foundation’s 25th anniversary, we’re holding a “charity challenge”. Between March 17 and April 4, 21 non-profit organizations throughout the Western United States will compete for $25,000. At the end of the charity challenge, the five non-profits who earn the most votes, will each receive $25,000 from the Windermere Foundation – for a grand total of $125,000!

YOU have the power to decide who will win!

The 21 competing non-profits were nominated by Windermere office owners and managers, and all reflect the Windermere Foundation’s mission to provide support and services to low-income and homeless families. To see which non-profits are competing in your community, go to the Windermere Real Estate Facebook page. From there, you can also vote for the one you feel is most deserving of $25,000. You can vote up to once a day for the duration of the contest. And please encourage your friends and family to vote too! This is truly a community effort.

For the past 25 years, the Windermere Foundation has donated a portion of the proceeds from every home purchased or sold through Windermere towards supporting low-income and homeless families. During this time, we’ve raised more than $26 million for programs and organizations that provide shelter, clothing, children’s programs, emergency assistance, and other services to those in need.

Your efforts have the power to make a huge difference for our neighbors in need and the non-profit organizations that support them. Please help us by going online and voting for your favorite non-profit today! And tomorrow. And the next day…you get the idea.

Vote Now!

 

House Tips March 7, 2014

The Lifespan of Your Home….

We think our homes will last a lifetime, but what is the lifespan of your home and some of the items within? 

 

Our very own Tara Sharp discusses this very topic in her latest blog post from the Windermere Living Blog…

 

Posted March 6 2014, 12:11 PM PST by Tara Sharp

How long should they last?

 

Posted in Buying by Tara Sharp
 

The life span of your household components

Nothing in life lasts forever – and the same can be said for your home. From the roof to the furnace, every component of your home has a life span, so it’s a good idea to know approximately how many years of service you can expect from them. This information can help when buying or selling your home, budgeting for improvements, and deciding between repairing or replacing when problems arise.

According to a National Association of Home Builders (NAHB) study, the average life expectancy of some home components has decreased over the past few decades.  (This might explain why you’re on your third washing machine while Grandma still has the same indestructible model you remember from childhood.) But the good news is the life span of many other items has actually increased in recent years.

Here’s a look at the average life spans of some common home components (courtesy of NAHB). 

Appliances. Of all home components, appliances have the widest variation in life spans. These are averages for all brands and models, and may represent the point which replacing is more cost-effective than repairing. Among major appliances, gas ranges have the longest life expectancy, at about 15 years. Electric ranges, standard-size refrigerators, and clothes dryers last about 13 years, while garbage disposals grind away for about 10 years. Dishwashers, microwave ovens, and mini-refrigerators can all be expected to last about nine years. For furnaces, expect a life span of about 15 years for electric, 18 for gas, and 20 for oil-burning models. Central air-conditioning systems generally beat the heat for 10 to 15 years.

Kitchen & Bath. Countertops of wood, tile, and natural stone will last a lifetime, while cultured marble will last about 20 years. The life span of laminate countertops depends greatly on use and can be 20 years or longer. Kitchen faucets generally last about 15 years.  An enamel-coated steel sink will last five to 10 years; stainless will last at least 30 years; and slate, granite, soapstone, and copper should endure 100 years or longer. Toilets, on average, can serve at least 50 years (parts such as the flush assembly and seat will likely need replacing), and bathroom faucets tend to last about 20 years.

Flooring. Natural flooring materials provide longevity as well as beauty: Wood, marble, slate, and granite should all last 100 years or longer, and tile, 74 to 100 years. Laminate products will survive 15 to 25 years, linoleum about 25 years, and vinyl should endure for about 50 years. Carpet will last eight to 10 years on average, depending on use and maintenance.

Siding, Roofing, Windows. Brick siding normally lasts 100 years or longer, aluminum siding about 80 years, and stucco about 25 years. The life span of wood siding varies dramatically – anywhere from 10 to 100 years – depending on the climate and level of maintenance. For roofs, slate or tile will last about 50 years, wood shingles can endure 25 to 30 years, metal will last about 25 years, and asphalts got you covered for about 20 years. Unclad wood windows will last 30 years or longer, aluminum will last 15 to 20 years, and vinyl windows should keep their seals for 15 to 20 years.

Of course, none of these averages matter if you have a roof that was improperly installed or a dishwasher that was a lemon right off the assembly line. In these cases, early replacement may be the best choice. Conversely, many household components will last longer than you need them to, as we often replace fully functional items for cosmetic reasons, out of a desire for more modern features, or as a part of a quest to be more energy efficient.

Are extended warranties warranted?

Extended warranties, also known as service contracts or service agreements, are sold for all types of household items, from appliances to electronics. They cover service calls and repairs for a specified time beyond the manufacturer’s standard warranty. Essentially, warranty providers (manufacturers, retailers, and outside companies) are betting that a product will be problem-free in the first years of operation, while the consumer who purchases a warranty is betting against reliability.

Warranty providers make a lot of money on extended warranties, and Consumers Union, which publishes Consumer Reports, advises against purchasing them.  You will have to consider whether the cost is worth it to you; for some, it brings a much needed peace of mind when making such a large purchase. Also, consider if it the cost outweighs the value of the item; in some cases it may be less expensive to just replace a broken appliance than pay for insurance or a warranty. 

Social MediaVideo Blog March 2, 2014

BLOG Doesn’t Have to be a Four Letter Word…

Don't be afraid to step outside your comfort zone…

Windermere Websites

Are you taking full advantage of your Windermere website?  Are you sure?  If you are not blogging, then the answer is most definitely no…  Though BLOG may be your least favorite four letter word, it is an important tool in drawing attention to your website.  It does not have to be a task that is on par with a root canal or tooth extraction, just devote a half hour per week for one post.  Blogging can be as simple as writing a paragraph or two on your favorite local restaurant, that beautiful listing with that unique front door, or that recent article in the paper about the local housing market.  Just remember to take a picture or two (or more) of the interesting sites your weekly real estate adventures provide you.  Pictures are worth a thousand words in the world of blogging and can help improve your blog post indexing results in search engines. 

And if a picture is worth a thousand words, then video is priceless…  Your blog can easily incorporate video content as well.  YouTube is quickly becoming the most popular search tool for folks looking for information on just about anything and having your own YouTube channel can be a resource for not only your property tours, but client testimonials, virtual tours of local neighborhoods, cross marketing vendor “how to” videos from your favorite electrician, general contractor, landscaper or staging expert, and so much more…  A blog post is a perfect tool to spread the word about this valuable video resource through your social channels.  So what are you waiting for?  Get cracking and start rocking out that new blog post!!!

economy February 28, 2014

Great Perspective…

Some thoughts from our leadership up north…

Posted February 24 2014, 8:02 AM PST by Jill Jacobi Wood, OB Jacobi & Geoff Wood

February Perspectives

 

Posted in Perspective by Jill Jacobi Wood, OB Jacobi & Geoff Wood
 

Eugene Oregon HomesBabies in need of diapers and formula. Families with critically ill children in need of housing. Kids with no shoes or school supplies. For the past 25 years, these are the types of needs the Windermere Foundation has helped fulfill, thanks to the incredible generosity of our agents. That’s because every time someone buys or sells a home using a Windermere agent, a portion of their commission goes to fund the Windermere Foundation, which to date has raised more than 26 million dollars.

This year, the Windermere Foundation proudly celebrates 25 years of giving back to those in our communities who need it most. Our mission is simple: support non-profit agencies dedicated to helping homeless and low-income families. And we keep the red tape to a minimum, using less than four percent of the money raised for administrative costs. That way, the vast majority of the funds can be used where they’re needed most. Last year alone, our agents donated more than 1.6 million dollars to support local organizations like Eastside Baby Corner, Low-Income Housing Institute, and Seattle Public Schools’ Family Support Program. Their generosity also enables us to continue to send kids to summer camp, ensure families have enough food to eat, and provide emergency assistance to those in need.

In honor of this milestone anniversary, we set a goal to raise 30 million dollars for the Windermere Foundation by the end of 2015.That’s four million dollars in two years – our most ambitious goal to date. Just imagine how many more families this will help. How many more kids will be able to eat school lunches. How many more families will have milk in the fridge and food on the table. And how many more people will have their most basic needs met – and the dignity that goes with it.

If at any point during the past 25 years you’ve bought or sold a home using a Windermere agent, you are a part of the Windermere Foundation too, and you’ve helped make a positive difference in the lives of your neighbors in need. And for that, we thank you on behalf of everyone at Windermere.

If you would like to learn more about the Windermere Foundation, please visit windermere.com/foundation.

 

 

 

House TipsMold January 21, 2014

More Great Information from Windermere….

Wanted to pass this along to you all….

Posted January 17 2014, 9:56 AM PST by Tara Sharp

Managing Mold: How homeowners can avoid costly mold problems

Posted in Selling by Tara Sharp
 

Whether you are buying or selling a home, mold has become a hot issue. Health concerns and potential damage make mold a red flag for buyers. And even if you’re not planning to sell any time soon, taking care of mold problems now can prevent even larger problems in the future. Contrary to what some people think, mold is not a geographic problem—it can occur anywhere, no matter where you live. Here is some basic information about mold and how to deal with it.

What is mold?

Molds are microscopic organisms that are found virtually everywhere, indoors and outdoors. There are thousands of different kinds of mold. Their natural function is to help break down dead materials such as stumps and leaves so the nutrients can be used by the environment. For molds to grow, they need two things: an organic food source—such as leaves, wood, paper or dirt—and moisture.

Problems associated with mold

Mother Nature uses mold to decompose plant material. Unfortunately, when present indoors, it can be equally destructive. Mold growth can damage furnishings, such as carpets, sofas and cabinets. Left unchecked, it can also cause serious damage to walls and structural elements in your home.

Mold is present everywhere, and most people tolerate exposure with no adverse effects. If allowed to spread, however, it may cause problems. As molds grow, they release thousands of tiny spores that travel through the air. When inhaled in large enough amounts, these spores may increase the risk of adverse health effects in some people, particularly respiratory problems.  A less-common strain of mold called “black mold” can be particularly troublesome to those who are especially sensitive.

Common causes of mold problems

Don’t think that just because you live in a hot, dry climate, your home is not vulnerable to mold. There are many sources of mold problems, from faulty air conditioners to poorly positioned sprinkler systems. Federal standards for energy-efficient home building have even contributed to the problems. By making homes more airtight, construction techniques in newer homes can trap moisture inside.

Here are the most common sources of mold inside the home:

  • Flooding
  • Leaky roofs or damaged gutters
  • Heating or cooling system problems
  • Poor drainage next to foundation
  • Plumbing leaks from toilets, refrigerators and dishwashers
  • Damp basement or crawl space
  • Leaking windows or doors
  • Steam from shower or cooking
  • Indoor exhaust from clothes dryer

What to look for

If you can see or smell mold inside your home, it’s time to take measures. Any area that has sustained past or ongoing water damage should be thoroughly inspected—you may find hidden mold growth in water-damaged walls, floors or ceilings. Walls and floors that are warping or discolored can also indicated moisture problems, as can condensation on windows or walls.

Preventing mold in your home

Since mold is always present, there’ no way to eliminate it completely. You can control indoor mold growth, however, by controlling moisture.

  1. Remove the source of moisture by fixing nay leaks or other water problems.
  2. Make sure bathroom fans and dryers are properly vented to the outside. Always use the exhaust fan when cooking or showering.
  3. Use a dehumidifier or air-conditioning system. Make sure your AC system is well maintained and is the correct size for your home. A faulty AC system can cool the air without removing the water vapor, creating high humidity.
  4. Insulate your home well to prevent indoor condensation.
  5. Have your heating, ventilation and cooling systems professionally cleaned annually. Air-duct systems can easily become contaminated with mold.
  6. Regularly clean moist area such as the bathroom with products that treat mildew.
  7. Dry-clean, rather than wet-clean, your carpets.
  8. Avoid carpeting bathrooms and basements.
  9. Clean any moldy surfaces as soon as you notice them.

Mold clean-up

Mold is a manageable problem. Unless it is dealt with correctly, however, it will continue to come back. If your mold problem is severe or if you have extensive water damage, it’s best to call an experienced, professional contractor who specializes in mold removal. If you have a mold problem that is isolated to a small area, less than a square yard or so, you can try to resolve it yourself.

Porous items that are hard to clean, such as carpet and drapes, should be discarded. Moldy sheetrock and ceiling tiles can be removed and replaced.

Hard, nonabsorbent surfaces such as glass, plastic and metal can be thoroughly cleaned with soap and water. Allow to dry completely.

For solid items that are semi-porous, such as floors, cabinets and wood furniture, scrub with an ammonia-free cleaner and hot water to remove all mold. Rinse with water and dry thoroughly. After cleaning, apply a mildewcide to kill mold and spores.

When cleaning mold, remember to wear gloves, a mask and eye protection, and work in a well-ventilated area. Never mix cleaner containing bleach and ammonia; this can result in the release of a toxic gas. And be sure to throw away any sponges or rags that you use for cleaning.

 

economy January 14, 2014

Another great post…

Here's some great information from Windermere….

 

Posted January 8 2014, 3:36 PM PST by Richard Eastern

Mortgage Forgiveness Debt Relief Act Expires: IRS "Insolvency Clause" Offers Tax-Saving Protection

Posted in Market News by Richard Eastern
 

The Mortgage Forgiveness Debt Relief Act expired December 31, 2013. The Act prevented homeowners who go through a short sale or foreclosure from being taxed on the amount of their mortgage debt that has been forgiven. (Normally, debt that has been forgiven by a lender counts as taxable income.) A short sale transaction would have had to close before Dec. 31, 2013 in order to take advantage of the Act's tax exemption. The good news is there is still a way to avoid paying income tax on forgiven debt.

IRS "Insolvency Clause" Offers Tax-Saving Alternative

Homeowners that are panicking about potentially hefty tax bills are probably not aware that they may still qualify for tax relief via the IRS "insolvency clause".  The clause states that a seller is exempt from paying tax on any forgiven debt to the extent that they are insolvent. In other words, if the seller's debts and liabilities exceed their assets by more than the amount of debt forgiven, they do not have to pay taxes on the forgiven debt.

Here's an example:

A seller has a home valued at $300,000, but the mortgage debt is $400,000. We short sell the property for $300K and the bank elects to forgive the debt on the $100,000 shortfall amount. Since debt that has been forgiven counts as taxable income, the IRS would treat the $100,000 of forgiven debt as income.

MORTGAGE DEBT       SALE PRICE          FORGIVEN DEBT

                                                                  (Taxable income)   

      $400,000          –         $300,000        =          $100,000                      

This is where the insolvency clause formula comes in. Begin by adding up all of your debts/liabilities in one column and all of your assets in another. For this formula, the IRS wants you to include the mortgage debt as a liability, and the fair market value of your house as an asset. Let’s say you have $600,000 in assets and $700,000 in debts/liabilities. You are insolvent by $100,000.

ASSETS                       LIABILITIES             INSOLVENCY

$600,000           –           $700,0000         =        [ $100,000 ]                                            

Since your insolvency amount of $100,000 equals the forgiven debt amount of $100,000, it’s a wash and you will not have to pay taxes on that forgiven debt. You are shielded dollar-for-dollar on the amount of forgiven debt up to your insolvency number. Let's say you were only insolvent by $80,000. In that case, you would still have to pay income tax on the remaining $20,000 of forgiven debt.

INSOLVENCY               FORIVEN DEBT            TAXABLE INCOME

[ $100,000 ]       –          $100,000           =                -0-

 

Richard Eastern is a Windermere broker in Bellevue, WA and co-founder of Washington Property Solutions, a short sales negotiating company. Since 2003 he has helped more than 1000 homeowners sell their homes. The company offers free attorney and CPA consultations as part of their service. A Bellevue native and a University of Washington grad, Richard is an avid sports fan and a devoted Little League and basketball coach. You can learn more about Richard here or at www.washortsales.com.

 

 

House Tips January 7, 2014

2014 Home Resolutions

Some great information heading into the new year from Windermere…

 

Posted December 31 2013, 9:15 AM PST by Tara Sharp

75 home resolutions you can make for 2014

Posted in Buying by Tara Sharp
 

 

Add your home to your list of New Year’s resolutions with some of these helpful tips:

Buying:

  1. Familiarize yourself with the home-buying process
  2. Learn about the tax benefits that come along with your home purchase
  3. Check your credit ratings
  4. Increase your savings for down payment
  5. Decide how much you need for a down payment
  6. Get pre-approved for a mortgage
  7. Decide how much you can spend on a home
  8. Start your home search online
  9. Find an architectural style for your dream home
  10. Search for home with your commute in mind
  11. Consider downsizing to condo
  12. Learn the difference between a condo and a town home
  13. Consider purchasing an investment property
  14. Choose the right home for your family
  15. Consider a short sale
  16. Is a foreclosure right for you?
  17. Decide if you want an older home or new construction
  18. Create a moving plan
  19. Keep new home costs low
  20. Choose a mortgage
  21. Consider buying with cash?
  22. Ask your loan officer these important questions
  23. Avoid common mistakes
  24. Win a bidding war
  25. Perform a mini pre-inspection while touring homes

Selling:

  1. Decide if your should sell or remodel your home
  2. Make sure you are ready to sell your home
  3. Choose your next home with a shorter commute
  4. Learn more about what a seller’s market means for you
  5. Familiarize yourself with the home-selling process
  6. Avoid common mistakes
  7. Estimate your home’s value
  8. Make improvements to increase your home’s value
  9. More tips on adding value to your home
  10. Consider selling before spring
  11. Get your home ready for sale
  12. Find a selling agent you trust
  13. Schedule a home inspection
  14. Increase your home’s curb appeal
  15. Price your home to sell
  16. How to prepare your home for open houses
  17. Learn the home staging basics
  18. Where to store your stuff while showing your home
  19. Feng Shui tips for preparing your home to sell
  20. Protect your pets while showing your home
  21. Get professional photos for your home listing
  22. Buy your next home while selling your current home?
  23. In a hurry? Sell your home quickly
  24. Help your parents make transitional housing choices
  25. Relocating? Get help from a professional

Home improvements:

  1. Make your house a home
  2. Get the best return on your investment for your home renovations
  3. Access your home energy costs
  4. Improve energy efficiency (and reduce your energy bills)
  5. Inspect, repair and increase your home insulation
  6. Decorate with the new color of the year
  7. Choose the right paint color for your home
  8. Redecorate to fit your dream design style
  9. Paint an accent wall
  10. Create a healthier home environment for you and your family
  11. Make your fireplace and chimney safe for use
  12. Develop disaster preparedness plan & upgrade your emergency kit
  13. Rid your home of pests
  14. Upgrade your garden
  15. Cultivate an indoor garden
  16. Plant trees for better privacy and increased home value
  17. Check your home insurance policy
  18. Do a home inventory
  19. Protect your home from burglars
  20. Protect yourself from contractor scams
  21. Extend your entertaining outside
  22. If you have little ones, childproof your home!
  23. Hang some art on the walls
  24. Pre-pay your mortgage or refinance for extra savings?
  25. Refinance even if you have poor credit

 

Social Media October 11, 2013

Facebook: Harness the Beast Through Friends Lists

It all begins with organizing your relationships…

 

Are you taking advantage of Facebook's greatest gift to real estate agents? No, not posting out an endless stream of listings… The power to build and cultivate relationships with your clients, their friends and family members and all of the connections that lie beyond. Real Estate is all about establishing meaningful relationships; in FB that all begins with one simple task, creating Friends Lists. And just like the big guy in the red suit at Christmas time, you need to make that list and check it twice, not for which of clients are being naughty and nice (though I'm sure you'll see that too), but to keep yourself involved in their lives… Out of sight, out of mind, out of that next listing opportunity.

Start by locating the "Friends" header on the left side panel of the Facebook Home screen; you may not see it if you haven't been using lists to organize.  If it isn't there, select the "more" option on the bottom of that panel to expand the list of options.  Once you locate it, go ahead and click the header "Friends" in bold to get to the next step of creating your own lists.  Click "Create List" at the top of the screen and follow the simple instructions to start organizing your "Friends" any way, shape or form you like!!!

Keeping your friends in lists will help you control the flow of information through out the Facebook world…  Tame the beast and use your lists… 

 

 

economy October 3, 2013

The Government Shutdown: How It Could Impact Home Buyers

Had to repost this great piece on the efftect of the current government shutdown…

Posted October 2 2013, 2:18 PM PDT by Erik Hand, President, Windermere Mortgage Services

Posted in Market News by Erik Hand, President, Windermere Mortgage Services
 

 

There is much speculation on the impact that the current government shutdown will have on home buyers hoping to secure a mortgage. In the case of mortgage lending, the impact will depend on many things including the length of the shutdown, the current status of the loan, the borrower profile, and the lender’s modified guidelines during the shutdown period. 

While all except one (USDA) governmental agency involved in housing finance remain open, the shutdown does impact various functions that are part of the financing process. Below is an overview of the functions being impacted:

 

 

1.       Request for Tax Transcripts (4506T) 

Most lenders require that when using a borrower’s tax returns to support income, the tax returns are verified by obtaining the tax transcripts from the IRS. The form used to request the transcripts is the 4506T; therefore, you may hear the process overall referred to as the 4506T. As part of the shutdown, the IRS has indicated that it will not be processing requests for transcripts and therefore, depending upon the lender, closings may be delayed until tax transcripts can be obtained.

2.       Social Security Number Verification

In the course of processing a loan, in certain instances a credit alert will appear requesting that the borrower’s Social Security Number (“SSN”) be verified. As part of the shutdown the Social Security Department has indicated that it will not be processing SSN verification requests. Most lenders require that SSN credit alerts be cleared prior to closing and the inability to obtain SSN verifications may delay closings.

3.       Verification of Employment (VOE) for Government Employees

If a borrower is employed by the Federal Government, a written VOE will be required prior to closing. If the VOE indicates the borrower is furloughed the loan may not be able to close.

4.       USDA Underwriting

For USDA Rural Housing loans, a lender must obtain a Conditional Approval from the USDA prior to closing. As part of the shutdown, the USDA has ceased issuing Conditional Approvals, and therefore, any new applications, or loans in process that have not been issued a conditional approval, may experience a delay in closing.  

 

It’s important to stress that this is a fluid situation, and unlike prior shutdowns, given the amount of cross referencing that is done as part of the loan process, lenders are highly reliant on verifying information from various federal agencies, like the IRS. If you are currently engaged in the home buying process, you are strongly encouraged to contact your mortgage lender to discuss how this shutdown may impact your ability to move forward.

 

Erik Hand is the president of Windermere Mortgage Services. An accomplished mortgage lending executive, Erik has over twenty years of experience in the industry and is a former board member of the Seattle Mortgage Bankers Association.