What is a title company?

RE/MAX Elite and the Clermont Financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

I was talking to my friend Dan Engen from the Cincinnati based Prominent Title Agency yesterday. He told me that many customers are confused over what the title company does from them. He has outlined
the role his company plays in the transaction for the greater Cincinnati consumer.

I spoke to our agents at REMAX Elite. They tell me Prominet Title Agency really educates their customers.

Eloisa Vinson, loan planner from Clermont Financial says they are the best title company in Cincinnati! The service is outstanding and they will even close at the customers house!



Our role is to go to the courthouse and research the public records to determine if a property is free and clear of encumbrance for our clients. We then report the information in the form of a title commitment and close the loan based on the stipulations laid out in the commitment. We then issue a title policy to the lender upon recording of the mortgage documents.

What do we do?

Once a title has been requested, we order a search with an examiner. The examiner sends us a report that identifies mortgages, encumbrances, liens, or any other public information on the property. We take the report and create a title commitment stating all of the steps that must be done in order to close the loan (payoff liens, identify encumbrances; payoff mortgages; etc).

The commitment must be clear in order for us and the lender to allow the closing. From there, we work with lenders; schedule the closing with all parties; and prepare a HUD-1 or Settlement Statement from information the lender provides in a closing package. We must follow the lender’s instructions exactly or they could refuse to fund the loan.

After closing the loan, we then take all of the recordable documents to the courthouse and record them. Then we ship the package back to the lender for their review. Once the documents return from the courthouse we then issue a title policy to the lender.

What is Owners Title Insurance?

Title insurance is protection against loss if a covered defect is found in the title of the property. When you purchase a home, you are given a title to the property, which generally means you receive full legal ownership BUT sometimes there is a hidden mistake in a prior deed, will, mortgage, etc., that may give someone else a legal claim against your property.

Why is title insurance important?

Because it provides a safety fence around your property. Having title insurance can save you money, time, trouble and even your home.

What risks are covered?

1. Errors – Incorrect information in deeds, mortgages, public records, etc, such as wrong names.
2. Liens – Claims against the property or the seller that become the new owner’s responsibility after the sale. Examples are unpaid mortgages, taxes, sewer and water assessments, bills owed to workers or other creditors, etc.
3. Claims to Ownership – for instance, a claim to ‘marital interest’ by the spouse of a former owner or by a child of a former owner who was not mentioned in his or her parents’ wills.
4. Invalid Deeds – for example, transfer by a previous seller who did not actually own the property, or by a previous owner who was not mentally competent.

Many of theses problems might not be discovered in a routine title search

government's economic stimulus plan and its possible effects on the housing market

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to position yourself to be successful in today's market!

Do you think not letting the market correct itself it a good thing? Or is the governments stimulus plan going to help with a "soft landing" RE/MAX Elite owner Lynn Murphy-Dickerscheid is saying it is a good thing.


She Tell's me it is a great time to buy.

Eloisa Vinson, a mortgage planner with Clermont Financial tells me that raising the limits may help because home values have declined and Lot's of consumers are stuck. So raising the limits will give them room to refinance. I guess time will tell.

Listen to the "experts" CNBC's "Power Lunch" on Friday, Jan. 25.
You can watch the video,

What kind of training does your company give you?

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to position yourself to be successful in today's market!

Whether you are a buyer,seller or a Realtor you want to position yourself for success. RE/MAX Elite in Cincinnati Ohio does just that. For buyers and sellers they get an agent with both global and local connections. Who is best positioned to sell your home? Lets face in with a RE/MAX Elite agent you get 90% of all MLS'S in the country feeding into REMAX.COM. That means more exposure for your home. (Four Million unique views a Month ) The most searched Real Estate Company website in the world! Can any other REAL ESTATE Company offer that? The Answer is a resounding no!

For Realtors it means the best training and support in the business! Free leads, database management, marketing center, a 40 million a year marketing budget and much more. All at a cost far lower than you are giving your current company. See the example below.

This Week on ATOD:
Referrals, Design Center and More In the Agent Training On Demand site this week, Dan Schroeder shows how to connect with clients through local events, Eden Jordan explains how to build a database with referrals and Brian Tienken details how he built his team. Also, Jason Reinking walks you through locating templates in the RE/MAX Design Center and David Knox discusses his Model-Practice-Feedback method.
Watch the latest ATOD videos now.

In Focus channelWelcome to ATOD tab - Every community has special events that bring people together. In "Tying In To Big Events," you learn how Nevada RE/MAX Associate Dan Schroeder connects with potential clients by taking advantage of local events to draw attention to his business.

Best Biz Practices channel Best Biz Ideas tab - Join Florida Associate Eden Jordan to see how you can develop a solid referral base by building strong relationships. Mailers, client parties and community involvement are all part of her plan. Learn more strategies in "Nurturing Your Referral Business."

Teams channel Successful Teams tab - In "Building My Team," Oregon Associate Brian Tienken talks about how he went from single agent at his productive limit to Team Leader with a booming business. His team members help with clients and paperwork, enabling Tienken to do more business while taking more time off.

Technology channel Design Center tab - In "Design Center: Overview of Other Options Available," RE/MAX eBusiness Technology Trainer Jason Reinking shows you how to navigate the RE/MAX Design Center to locate templates for items such as listing presentation tools, cards, CD/DVD packaging, eCards, charts and graphs and much more.

Coaching channel David Knox tab - In "Achieve Success with MPF," Knox talks about creating mastery through the Model-Practice-Feedback method. He explains the value of: modeling yourself after someone who is already reaching your goal, practicing the necessary skills and getting an evaluation of those skills. This, he says, is the best way for adults to learn something new.

One of 50 That Changed the World

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

RE/MAX Elite in Cincinnati Ohio gives you the best value, tools and market share of any Real Estate Company. RE/MAX Elite is a local company However, we have a has a global presence!

With 90% of every MLS in the country feeding into the REMAX.COM. You and your customer will have a huge advantage selling their home. No other Real Estate Company in Cincinnati or the world can do that!

Add a 40 Million dollar a year market campaign and you can see why RE/MAX changed the world!

Call us today, let RE/MAX Elite change your world!

RE/MAX is one of 50 companies that have had a profound impact on the world, and on the way business is done, according to a new book.

In "50 Companies That Changed the World," Howard Rothman ranks RE/MAX No. 45 on the list. The top 10 companies are Microsoft, AT&T, Ford, Apple, McDonald's, America Online, Federal Express, CBS, Philip Morris and Wal-Mart. Other companies include General Motors, Nike, Sony, The Walt Disney Company, Coca-Cola, Toyota and Proctor & Gamble.
RE/MAX is the only real estate organization on the list.

"It's an honor and a complete surprise to be included on this list," says RE/MAX International Chairman and Co-Founder Dave Liniger (ABR, CRB). "In our younger years, a lot of us set out to change the world, and along the way just became absorbed in our business. It's a revelation to discover that someone was keeping score out there, and that the thousands of entrepreneurial Sales Associates, franchisees and regional owners in the RE/MAX network truly have made the world a better place. I hope so."

Rothman devotes a chapter to each of the 50 companies, providing background details on their founders, their early years and the reasons he believes the companies have had a strong impact on society.

"In the following pages, you will read about 50 outstanding companies that have dramatically and permanently altered us," Rothman writes. "In the process, you will also see how the general structure of business - and along with it, our society - has evolved over the last few centuries. You will meet some individuals with extraordinary vision, courage and commitment who struggled to realize their ideas and drive their companies to succeed. In a very real sense, they are the true forces that have changed our world."

Rothman has been a newspaper reporter, magazine editor, Internet content provider and small business owner. The book was published by The Career Press of Franklin Lakes, N.J.

RE/MAX University

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

Would you like to have free, unlimited access to the NO. 1 educational program in the real estate industry? As a RE/MAX ELITE Associate, you'll have just that.

While other organizations talk a good game when it comes to education, Agent Training on Deman, part of the multimedia RE/MAX University,keeps you on top of yours.


New on ATOD: Neighborhoods, LeadStreet, Assistants and More In the Agent Training On Demand site this week, Jeff Wright details what agents can do to be successful, Curtis Hall explains how to examine a neighborhood and Brian Buffini offers tips on successful agent-assistant relationships. Also, John Chinello shows how to give clients personal access to remax.com and Richard Robbins explains the benefits of post-sales service.
Watch the latest ATOD videos now.

In Focus channelWelcome to ATOD tab - In "Being Successful in a Down Market," Wright, Broker/Owner of RE/MAX Right Choice Real Estate in Trumbull, Conn., says there are 10 things agents can do in a down market. Among them: Have a business plan, have a "client for life" program, attend education courses, build on your sphere of influence and work on your negotiating skills.

Best Biz Practices channel Best Biz Ideas tab - In "Scouting the Neighborhood," Hall, a Sales Associate with RE/MAX Anasazi Realty in Tempe, Ariz., walks through a neighborhood describing features that make homes appealing. You can tell if there's a covenant code based on home colors and whether campers or trailers are parked outside. Buyers count on you to point out both strengths and weaknesses of neighborhoods where they might live.

Teams channel Successful Teams tab - In "Three Filters to Use When Hiring," Buffini shares tips on helping your assistants thrive. Lead your assistants, don't manage them, establish and maintain boundaries and let yourself be managed. A great assistant will help your business grow.

Technology channel LeadStreet tab - In "LeadStreet: Add Individual Clients with remax.com Access," RE/MAX International eBusiness Training Manager Chinello walks you through adding new contacts to your LeadStreet account. Fill in the information you'd like to keep on file and click "save and continue." Once information is added, click on the "advanced" tab and create a user name and password for your client. This will give your client personalized access to remax.com.

Coaching channel Richard Robbins tab - In "Post Sales Service," Robbins focuses on post-sales service, saying that it's more important than pre-sales service. When you provide service to clients after the sale, they'll remember your name and recommend you to family and friends. This brings in clients and allows you to spend your time serving those clients rather than spending time looking for new ones.

Cincinnati, OH Market Summary Report - Q3, 2007

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

Over the past 12 months, Cincinnati saw a significant decrease in closings compared to this time last year. There were 44,328 closings as of Q3 2006 compared to 39,517 for Q3 2007 which represents a decrease of 11%. Cincinnati also saw a decrease of 13% in Total Sales Volume. Total Sales Volume reached $6,993,587,124 in Q3 2007 compared to a volume of $8,014,003,449 in Q3 2006.Compared to last quarter, we saw a 2% decrease in closings. Cincinnati hasn’t seen an increase in closings since Q1 2006. There were 40,530 closings as of Q2 2007 compared to 39,517 for Q3 2007. Cincinnati also saw a decrease of 4% in Total Sales Volume. Total Sales Volume reached $6,993,587,124 in Q3 2007 compared to a Total Sales Volume of $7,250,350,668 in Q2 2007.

Top Training for Cincinnati Realtors

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

Welcome to RE/MAX University, your 24/7 source for the best ideas, training and real estate information in the industry. With RE/MAX University, you'll find streaming video and resources to download online, broadcasts via the RE/MAX Satellite Network, classroom seminars at the RE/MAX Global Education Center in Denver, and training around the world. RE/MAX University is designed to help you increase efficiency and earn more - now.

http://remaxsat.edgeboss.net/wmedia/remaxsat/cor/atod_overview.asx


http://remaxsat.edgeboss.net/wmedia/remaxsat/cor/atod_paranych_listing_presentations.asx


http://remaxsat.edgeboss.net/wmedia/remaxsat/cor/atod_brinton_managing_your_time.asx

If you are a Cincinnati Realtor this is a must for your business. Call me today!

Some Facts About Mortgage Lending

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

FACT: The homeownership rate remains near record levels at 68.2 percent.

FACT: Thirty-five percent of homeowners own their home outright; 48 percent are in fixed-rate mortgages. Fifteen percent of homeowners have adjustable-rate mortgages (ARM). Only 5 percent of homeowners are nonprime borrowers with adjustable-rate mortgages.

FACT: ARM products have a long and successful history, and nontraditional products have allowed many first-time homebuyers to own their homes.

FACT: About 1.7 percent of all loans are in the foreclosure process.

FACT: In today’s market, trends indicate that more than half of people who enter foreclosure eventually lose their home; however, there are no reliable data to produce exact numbers.

FACT: The number one cause of delinquencies and foreclosures historically is job related as we can see in the Midwest, which has lost a significant number of manufacturing jobs. However, current upward rate adjustments on ARMs combined with falling house prices are driving new foreclosures.

FACT: Historically, delinquency rates tend to peak in the first three to five years after origination. Because more than half of outstanding loans are less than five years old, it stands to reason delinquency and foreclosure rates may rise as they age.

FACT: Nonprime borrowers have always had higher delinquency and foreclosure rates, and ARM borrowers have higher delinquency rates even when rates are falling. Nonprime borrowers also represent a higher share of ARM borrowers; it stands to reason that nonprime ARMs have a higher delinquency rate.

FACT: Lenders want to lend money to borrowers who are willing and able to pay the loan back. Each time a foreclosure goes all the way to a sale, net economic losses are in the range of $30,000 to $60,000. Everybody loses when a home goes into foreclosure — the borrower gets a black mark on his or her credit, the lender and investor lose and the community loses.

FACT: There is continuing competition among companies given the current environment, and that is good for consumers, especially those who shop for their loans. www.clermontfinancial.com is a valuable resource for consumers who want to learn more about the home buying process.

FACT: The marketplace is working. The volume of many nontraditional products is down because investors, rating agencies and lenders have tightened underwriting standards. One side effect, however, has been to trigger a world wide credit market event centered on overleveraged firms within and outside the mortgage market.

* Data as of Q3 2007

Harnessing the Power of the brand

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

A strong brand and the consumer confidence it creates are
critical to marketing. RE/MAX are
well-known and respected around the world, so using the
brand correctly is the most effective way to establish a
successful, attractive and professional presence.
The long-term, widespread investment in advertising and
promoting the RE/MAX brand means that consumers recognize
RE/MAX as reliable
ways to identify experienced professionals.

Listen to the audio link below.







http://mail.google.com/mail/?ui=2&ik=ee2aa113e2&msgs=1175f94fb6a47c05&attid=0.1&view=audio

Cincinnati Mortgage Market update

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!


Mortgage Market Update:

Fixed mortgage rates rose a tenth of a percent during the final week of December, according to a survey of national lenders. While the national average for a 30 year fixed rate mortgage hovered around 6 and a quarter percent, fluctuations have been modest through most of 2007. As economists monitor inflation and its effects on long term US Treasury yields, Fannie Mae and Freddie Mac are both proposing new fees for mortgages they guarantee. Accordinging to these companies, these fees are in direct response to the inherent risks associated with guaranteeing loans.
The National Association of Realtors reported a slight upturn in the number of existing home sales in November with an anticipated 5 million units sold for 2007, even though overall volume is down approximately 20% from this time a year ago. Overall, higher housing inventories and lower interest rates create a lot of opportunity for buyers during the first quarter of 2008!
Finance Q and A:
Q: What is PMI and how does it affect my mortgage?
A: PMI stands for Private Mortgage Insurance, and mortgage underwriters require it when a buyer's downpayment is less than 20% of the home's purchase price. PMI charges can vary depending on the down payment and the price of the home, but the premium typically amounts to half of a percent of the loan amount.
Some buyers try to avoid PMI altogether. One alternative to PMI is to arrange a higher interest rate with the lender, though this is less common now that PMI is tax deductable. Another alternative to PMI is to take out a second loan simultaneously with the first. These loans are called piggyback mortgages, and are attractive in certain circumstances. For more information on PMI, consult your mortgage professional today!

Tip of the Month:

If you are carrying an adjustable rate mortgage and are due for a rate adjustment in the next year, find out what would happen to your payments if your interest rate changed today. Give yourself time to set aside extra money for those increased payments, or consult with your mortgage professional about a possible refinance. It's smart to plan ahead.

NFL Radio Listeners Will Hear Lots of RE/MAX

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

RE/MAX presence on NFL radio coverage continued during the weekend Wild Card games and will build throughout January. Here's a look at the plan:
NFL and RE/MAX

Jan. 5

Westwood One
Wild Card Playoff Saturday Game 1, Wild Card Playoff Saturday Game 2
Jan. 12

Westwood One
Divisional Playoff Saturday Game 1, Divisional Playoff Saturday Game 2
Jan. 13

Westwood One
Divisional Playoff Sunday Game 1, Divisional Playoff Sunday Game 2
Jan. 20

Westwood One
Conference Championship Sunday Game 1, Conference Championship Sunday Game 2

Join RE/MAX ELITE FOR $25.00 PER MONTH

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

That is right, Join RE/MAX Elite, Cincinnati Ohio for $ 25.00 per month. You will start at 70%

After your production reaches a certain level you would be at 95%

See the link below to see how we can teach you how to work by Referral!

Call Kim today! 513-587-3599





http://rsn.remax.com/player.cfm?vfold=rsn_programs&vfile=22046work_by_referral&start=1

RE/MAX 'Big Competitive Advantages'

RE/MAX Elite and the Clermont financial group. If you absolutely, positively want to postion yourself to be successful in today's market!

Liniger Video Address: 'Big Competitive Advantages'
.
RE/MAX Associates are "uniquely positioned for the type of real estate market we're encountering today," RE/MAX International Chairman and Co-Founder Dave Liniger (ABR, CRB) says in a special video address released Tuesday. With their ability to find buyers - through repeat customers, referrals, sign calls, Internet presence and advertising - RE/MAX Associates enjoy an edge over all competitors, Liniger says in the 5-minute clip.
"These are the competitive advantages we should tell sellers about," he says.
Watch the video now via Windows Media.

Major FHA changes coming soon

RE/MAX Elite and the Clermont financial group. When you absolutely, positively have to postion yourself to be successful in today's market!

FHA home loans may soon experience a major revival as a favored type of home financing. Pending legislation would reduce the minimum down payment required (possibly to zero percent) and will increase the maximum amount that can be borrowed.The FHA Modernization Act has finally been approved by Congress. After a bit of fine-tuning by a conference committee, it will be ready for the President's signature. When signed, it will be the biggest overhaul of loans insured by the Federal Housing Administration in many years, and will serve the needs of home buyers and owners who want to refinance their mortgage much more effectively."The bill itself is really very simple, the proposal straightforward," said Brian Montgomery, with the Dept. of Housing and Urban Development. "It does just what its name suggests. It modernizes the 72-year-old Federal Housing Administration and restores the agency to its intended place in the mortgage market -- nothing more, nothing less. Yet, the impact of this bill may be tremendous." One segment of home buyers most benefited from the changes is persons and families living in particularly high priced areas. The new law would either raise the FHA loan limit to $417,000, the current limit for conforming home loans, or the maximum could be tied to the median home price in local regions. Either way, it would make the loans viable for many more buyers and owners, particularly in coastal California and Northeast communities where prices are highest. The required minimum down payment, now 3 percent, would be reduced to zero percent (House version) or 1.5 percent (Senate version). In the House version, the FHA would be able to vary the insurance premiums by applicant risk levels. The more high-risk applicants could pay higher premiums. The Senate version includes a one-year moratorium on a risk-based pricing system. These items will be worked out in a conference committee. call Kim Schieldknecht with any questions. 513-587-3599

Joining RE/MAX --- What's in it for you

RE/MAX Elite and the Clermont financial group. When you absolutely, positively have to postion yourself to be successful in today's market!


Joining RE/MAX---what's in it for you and your customers

Your efforts are backed by the strength of a $40 million budget for television, radio, print and balloons.

You are associated with the most recognizable real estate brand name in the world over 110,000 sales associates in 57 countries.

You have an unprecedented opportunity to advance your salesmanship skills via satellite through RSN no other organization offers that.

You have a proven support system that works for you marketing support such as Design Center, seminars and much more.

You receive Maximum Commissions RE/MAX agents make an average of $130,000 a year $45,000 is NAR's average income per agent.

You are in control of your listings, your advertising, your destiny for that matter.

You'll reap great rewards when you'll participate in the many initiatives like The Children's Miracle Network, the Komen Foundation, Little League and many other sponsorship programs.

You'll be proud to be part of the RE/MAX family, a name everyone recognizes, an organization everyone trusts.

We are strong and ever-present: we are the number one real estate organization in Cincinnati!
In Cincinnat, we have captured 25% of the market there is strength in numbers.

And finally, we have outranked and outsold the competition.Consistently.

CINCINNATI AREA BOARD OF REALTORS®

RE/MAX Elite and the Clermont financial group. When you absolutely, positively have to postion yourself to be successful in today's market!


Nationwide, 20-Metro City Price Declines by 6.1%;
Cincinnati Dips 2.5%

A 20-city housing study, reported by the S&P Case-Schiller group, showed the average
metro city declined in average home selling price in October by 6.1% compared to October
of last year.

The Cincinnati MLS average home selling price dipped by 2.5% during the same 1-year time
period.
Home Sale Price Variance

Metro Area Oct. 2007 Compared to Oct. 2006
----------------- --------------------------------------------
Miami -12.4% Boston -3.6%
Detroit -11.2% Chicago -3.2%
San Diego -11.1% Denver -1.8%
Tampa -11.8% Atlanta -0.7%
Las Vegas -10.7% Dallas -0.1%
Phoenix -10.6% Portland +1.9%
Los Angeles -8.8% Seattle +3.3%
Wash, DC -7.0% Charlotte +4.3%
San Francisco -6.2% ----------
Minneapolis -5.5% All 20 Cities -6.1%
Cleveland -4.5%

New York -4.1%

Cincinnati -2.5%

“We’ve said throughout the year that all real estate is local,” said Tom Steele, 2007 president
of the Cincinnati Area Board of REALTORS®. “You get the impression from media stories
that real estate sales nationwide have fallen apart. That’s just not true. Sure, the market is
down in most areas, but it’s not universal.

In the Cincinnati area, we were off 2.5% in
October vs. one year earlier. That’s less than one half the nationwide average downfall,
which slipped 6.1%.”
# # #

RE/MAX Elite and the Clermont financial group. When you absolutely, positively have to postion yourself to be successful in today's market!


Cincinnati Market Update

Presented by Kim Schieldknecht - LO.002028.000, MB.802245.000 of Clermont Financial Group & RME Home Sales LLC

Mortgage Market Update:

Fixed mortgage rates rose a tenth of a percent during the final week of December, according to a survey of national lenders. While the national average for a 30 year fixed rate mortgage hovered around 6 and a quarter percent, fluctuations have been modest through most of 2007. As economists monitor inflation and its effects on long term US Treasury yields, Fannie Mae and Freddie Mac are both proposing new fees for mortgages they guarantee. Accordinging to these companies, these fees are in direct response to the inherent risks associated with guaranteeing loans.
The National Association of Realtors reported a slight upturn in the number of existing home sales in November with an anticipated 5 million units sold for 2007, even though overall volume is down approximately 20% from this time a year ago. Overall, higher housing inventories and lower interest rates create a lot of opportunity for buyers during the first quarter of 2008!
Finance Q and A:
Q: What is PMI and how does it affect my mortgage?
A: PMI stands for Private Mortgage Insurance, and mortgage underwriters require it when a buyer's downpayment is less than 20% of the home's purchase price. PMI charges can vary depending on the down payment and the price of the home, but the premium typically amounts to half of a percent of the loan amount.
Because PMI is tax deductable. One alternative to PMI is to arrange a higher interest rate with the lender. Although the borrower pays extra, they are able to take advantage of the mortgage interest tax deduction. Another alternative to PMI is to take out a second loan simultaneously with the first. These loans are called piggyback mortgages, and are attractive in certain circumstances. For more information on PMI, consult your mortgage professional today!
Tip of the Month:
If you are carrying an adjustable rate mortgage and are due for a rate adjustment in the next year, find out what would happen to your payments if your interest rate changed today. Give yourself time to set aside extra money for those increased payments, or consult with your mortgage professional about a possible refinance. It's smart to plan ahead.

Kim Schieldknecht - LO.002028.000, MB.802245.000Clermont Financial Group & RME Home Sales LLC726 Mohawk Trail & 5720 gateway blvd #204Milford & Mason, OH 45150(513)587-3599http://www.clermontfinancial.com
National Statistics Updated 1/2/2008