June Issue

Check out this months magazine!

PAYNE TEAM

REAL ESTATE OF COLDWELL BANKER REALTY

Issue 09

CURRENT LISTINGS, RECIPES, HOME TIPS, AND MORE. INSIDE THE JUNE ISSUE!

The Payne Team RE Direct: (410) 936-0055 Office: (410) 543-4545 ThePayneTeamRE.com

Want to see your AD here? Call us today C: 410-936-0055 O: 410-543-4545

We Specialize in Single Family Homes Unimproved Land Commercial Properties Poultry Farms & More!

The Payne Team understands that your real estate needs are among the largest financial decisions you will make in your life. We take that responsibility to heart going the extra mile to ensure a smooth transaction. The Payne Team prides themselves with providing top notch real estate representation for our clients. We are local real estate experts specializing in residential, commercial, farms, and unimproved land. Having come together as a team in 2021 it didn't take long for The Payne Team to have an impact on the local real estate community. We have been constantly a Top 20 Performer in the Mid-Atlantic region for Coldwell Banker. The Payne Team was, also, a Finalist in Coastal Style magazine as the Best Real Estate Team in Wicomico County.

Rob Payne Team Lead-REALTOR

Angela Payne REALTOR

Rachael Fritts Marketing Mgr/Admin

Ryan Basch REALTOR

Aaron Bergeron REALTOR

BEHIND THESCENES

Rachael Fritts DESIGNER AND EDITOR

Rachael graduated from Regent University with a Degree in Business Marketing in 2021. She has been with The Payne Team as a Marketing Manager since 2019.

Shawn Hunt LOAN OFFICER-THE HUNT TEAM

SVP, Area Manager NMLS ID# 1098459 M: (443) 783-0910

shunt@cmghomeloans.com www.HuntTeamMortgage.com CMG Home Loans | NMLS ID# 1820

Ryan Basch REALTOR & MARKET ANALYST Ryan holds a degree in Mechanical Engineering from the University of Delaware. He transitioned to real estate in 2021 to join the family business after 17 years in various technical and business leadership roles with multi-national companies.

MARKET INSIGHT FEATURED LISTINGS STRAWBERRY MANGO SALAD REVIEWS TIMESHARE VS. TRAVEL CLUB PEACH MOUSSE TRIFLE PARK SCAVENGER HUNT DIY SIDEWALK CHALK RECENTLY SOLD PUZZLES CALENDAR CONTENTS HANDYMAN HOW-TO CURRENT LISTINGS CMG HOME LOANS

Scan the QR Code for our FREE First-Time Home Buyer guide! Filled with everything you need to know

about the home buying process & how to get pre-approved!

MARKET INSIGHTS APPLYING DATA SCIENCE TO BETTER UNDERSTAND OUR LOCAL MARKET Prices edged higher in April, but so has inventory (finally!) as the Spring market is in full swing. However, just seeing inventory increase doesn’t tell the whole story for how this affects buyers. As always, we seek a deeper understanding of what is happening. Let’s take a look…

All transaction data & data visualizations are based on information from Bright MLS for the period 1/1/2018 to 5/15/2023 Unless otherwise noted, data includes “Active” or “Closed” transactions from Wicomico, Worcester, Somerset, Dorchester and Sussex Counties

AVERAGE SOLD PRICE Average pricing in our area is up for the 4th consecutive month.

Pricing appeared fairly stable for the last few months with only Sussex county showing any noticeable trend upward. However, April saw increases in 4 out of the 5 counties.

# OF HOMES SOLD

April sales were down 21% compared to April '22. Year-to-date, there have been 24% fewer Homes sold compared to last year.

Active listings have started to rebound in the last 4 weeks. INVENTORY

Worcester, Dorchester, Somerset and Sussex are all growing in the number of active properties for sale. However, Wicomico is still stagnant.

While increasing inventory is good news for buyers, not all inventory is helpful at solving the gap in supply vs. demand. This is especially true for first time home buyers, where affordability can be a challenge due to the rising prices and interest rates that are remaining in the mid-6% range. PRICING DISTRIBUTION OF INVENTORY The median price point of inventory across the (5) counties as of May 15th, is around $500,000.

The distribution of the inventory is spread across a wide range of prices, but more heavily weighted towards higher priced properties.

PRICING DISTRIBUTION OF SALES

On the other hand, if we look at the price of homes that have actually sold this year, the distribution is skewed to the left. The strongest demand is at the lower prices, particularly sub-$300,000. The median price has been $370,000. This misalignment between the actual inventory and what buyers are shopping for explains why some buyers are not seeing much relief. Conditions should continue to improve as interest rates are predicted to trend downward, and inventory continues to grow.

Thanks for reading this month's Market Insights. As always, my inbox is open for questions! Any real estate market question is welcome - Reach me at 443-614-4327 or email me Ryan.Basch@cbrealty.com

Featured Listing

6172 Strawberry Way. Salisbury, MD 21801 4 BD 2.5 BTH 2,450SqFt OFFERED AT $424,990

This is the one you've been waiting for! This beautiful colonial has been lovingly cared for by the sellers, who are the original owners. There is so much offered with this property. The home boasts almost 2,500 sq. ft. with 4 bedrooms and 2 1/2 baths on a spacious corner lot. As you enter the foyer, there is an inviting living room to the left as well as a cozy den with gas fireplace to the right. The kitchen has stainless appliances (brand new dishwasher is on order) and a large center island. While the kitchen has a breakfast area, there is also a formal dining room. As you make your way upstairs, you will find the primary bedroom with walk-in closet and large en suite bath with soaking tub. Access to the finished room over the garage is through the primary bedroom or from the 1st floor garage. That space is very flexible and could be used in any number of ways...a home office, a home gym, a spare bedroom. It has its own mini-split unit for comfort. The other 3 bedrooms and the 2nd full bath are located down the hall and are all freshly painted. As if this wasn't enough, there is a walk-up attic space with tons of storage that has the potential to be finished into even more usable space. Heading outside, the extensive landscaping is well established and the sprinkler system will make it easier to keep it looking beautiful.

The rear deck is perfect for entertaining and the rear yard is fully enclosed with elegant fencing that sets the property apart. The detached 24'x24' garage is insulated with heating and ventilation, so it makes a great workspace and provides plenty of storage for your lawn equipment and more. The roof is just 3 years old and the primary HVAC is about 5 years old. The home is conveniently located in the established development of Pemberton Ponds on the west side of Salisbury. Many amenities, including shopping, restaurants, medical facilities, parks, are just a short drive away. Home inventory is limited so don't miss your chance at this one. Book your showing today!

Ryan Basch 443-614-4327 Ryan.Basch@cbrealty.com

Scan to view listing!

Strawberry Mango Salad

12 oz chicken breast 4 cups salad greens 1 medium mango 1 cup sliced strawberries 1/2 small red onion, thinly sliced 2oz goat cheese, crumbled 1 small ripe avocado; Sliced or chopped 1/4 cup sliced almonds Salad

Lime Poppy Seed Dressing 1/4 cup light olive oil 3 TBSP lime juice 3 TBSP honey 1 TBSP non-dairy milk 1/2 tsp dijon

1/4 tsp onion powder 1/4 tsp salt or to taste 1 TBSP poppy seed dressing

Prepare the chicken: Heat cast iron skillet or grill pan over medium heat. Once pan is hot, add about 1/2 tablespoon of oil. Trim any extra fat off chicken breast and pound as needed to create even thickness. Season chicken with salt & pepper; cook on one side for 3-4 minutes before flipping to other side and cooking through. Cook until middle is no longer pink or internal temperature is 165ºF. Place on cutting board and slice chicken. (Or use outdoor grill.)

Prepare the salad: In large bowl add greens, diced mango, sliced strawberries and sliced onions. Toss with tongs to mix salad together well.

Make the dressing: add all ingredients *except poppy seeds* into small blender or food processor. Process until smooth, then stir in poppy seeds.

Portion out salad for desired servings; adding grilled chicken and top with avocado, goat cheese, sliced almonds. Drizzle with lime poppy seed dressing and enjoy!

FIVE STAR SERVICE. EVERYTIME.

What our clients are saying

Ryan Basch was great to work with! He helped us prep the house to get a great price with a quick sale. When we weren't sure how to handle the buyer's questions, his guidance helped us move the sale forward. We highly recommend Ryan, and we will use him when we sell our next house!

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Thank You!

Handy Man How-To With Agent Aaron Bergeron! How to Replace a Light Fixture

Tools Required

Phillips Head Screwdriver

Wire Stripper

Voltage Detector

Step 1: Turn off the appropriate breaker Find your breaker box. It’s likely situated in your garage or unfinished room in your basement. Push the appropriate breaker to the off position until it clicks. If your breakers aren’t labeled appropriately, you may have to try a couple before finding the right one. This is why you turn the light on first – to ensure you know when you have flipped the correct breaker. (The light fixture will turn off.)

Step 2: Test the voltage of the old fixture

Turn your voltage detector on. Touch the tip to a wire or outlet or switch or fixture that you know is “hot” or currently has power running to it. The voltage detector should flash and beep at you to tell you it’s definitely “hot”. This ensures that your detector isn’t malfunctioning. With the voltage detector still on, climb your ladder and touch the detector to the old light fixture to make sure that NO current is moving through the wires. Step 3: Remove the old fixture Carefully remove the shade of the old light fixture. Use a screwdriver if necessary. Dome lights. The very tip is a nut that will screw off by hand. Schoolhouse lights often have a lip near the opening where bolts will snug into. Loosen the bolts to disconnect the schoolhouse shade. PAUSE when you see the exposed wires. E.g. black wire(s), white wire(s), bare copper ground wire(s). Wire nuts should be connecting the base of the old fixture to the wires coming out of the electrical ceiling box.

Twist off the couple of wire nuts attaching the old fixture to the ceiling or wall. Lefty loosey! Untwist the wires from each other. Use your wire stripper tip if necessary. Pocket the wire nuts for later use. Step 4: Remove the 2 or 3 wire nuts Step 5: Hook up the new fixture (Read the directions!) You’ll likely need to hold the base of the new fixture in one hand while the other hand twists like-colored wires together. Attach the black to black. White to white. Ground wire to ground wire (usually exposed copper or green). Attach by twisting the ends together by hand or with the tip of your wire stripper. Check your installation manual for proper grounding. The ground wire may need to be wrapped around a green bolt fixated to the ceiling or wall bracket. And also attached to the existing ground wire. Step 6: Attach the new fixture to the ceiling Pocket your screwdriver if needed. Following the instructions that came with your new fixture, attach the base of the new fixture to the ceiling or wall bracket with bolts, screws and/or nuts. Bend all the wires (blacks, whites, coppers or greens) into the ceiling or wall box behind or underneath the new fixture base. Keep wires from sneaking out of the box, as crimping them between base and box could fray the wire sheathing and compromise your fixture.

CONGRATS! You just Changed your First Light Fixture!

AARON BERGERON Need help with a bigger project? Just give me a call!

410-251-2029

CURRENT LISTINGS

228 Canal Park Dr. #G-6. Salisbury, MD 21804 3 BD - 2 BA OFFERED AT $149,900

UNDER CONTRACT

3960 Oyster Shell Ln. Bivalve, MD 21814 5 BD - 3.5 BA - 4,407SF OFFERED AT $945,000

6172 Strawberry Way. Salisbury, MD 21801 4 BD - 2.5 BA OFFERED AT $424,990

Want to see your home here? Call us today for a FREE Market Analysis on your home! Direct: (410) 936-0055 Office: (410) 543-4545

LOOKING TO FARM? Check out our Farm listings!

Poultry Farm with TWO Homes on Property!! Each Home 3BD 2BTH

3523 Chateau Dr. East New Market, MD 21631

31262 Morris Leonard Rd. Parsonsburg, MD 21849 3 BD - 2 BA - 2,304 SF 16.55 Acres OFFERED AT $599,000

OFFERED AT $2,000,000

9060 Taylor Rd. Delmar, MD 21875 OFFERED AT $700,000

23864 Ocean Gateway. Mardela Springs, MD 21837 OFFERED AT $725,000

Check out our land listings! LOOKING TO BUILD?

0 Rockawalkin Ridge Rd. Salisbury, MD. 21801 OFFERED AT $61,900

0 Legacy Ln. Crisfield, MD 21817 OFFERED AT $284,900

21465 Nanticoke Rd. Tyaskin, MD 21865 OFFERED AT $59,000

Give us a call for more information! C: 410-936-0055 O: 410-543-4545

WE CAN LEND A HAND BUYING LAND?

Explore your land loan options with CMG Home Loans.

PROGRAM HIGHLIGHTS

No minimum loan amount Min credit score: 660 Min down payment: 20% Max DTI: 43% 0 months of reserves required

Explore your land loan options with CMG Home Loans.

HAPPY FATHER'S DAY FROM THE PAYNE TEAM

These days, most people have heard enough horror stories about timeshares to know you should run for the hills whenever someone tries to sell you one. When it comes to vacation clubs and travel clubs, though, things are a little different. Those programs have started popping up a lot over the last few years, and they’re billed as the way to achieve R and R. Resorts, airlines and other companies in the travel industry advertise these members-only clubs as great alternatives to timeshares and play up their discounted travel options. But here’s the truth: Vacation clubs and travel clubs are, by definition, timeshares. There are some differences between them—but nothing that makes them any better. And in some ways, they’re even worse. You’ll get all the restrictions, money traps and sneaky fees of a regular timeshare—but wait! There’s more! You’ll get some extra ones too—including creative new ones you’ve probably never heard of. Now, all that might surprise you if you’ve heard only good things about these clubs or you’re thinking of buying a membership. So let’s dig into the details. We’ll show you how these clubs work, how they waste a ton of your money, and why you’re better off keeping your distance.

How Timeshares and Clubs Work Timeshares

A timeshare is a single property you visit year after year. You purchase a time-sharing agreement, then pay maintenance fees. After all that, you own the right to vacation at the property during preset times, usually a week or two each year. Not only does the insane cost of owning a timeshare make it a complete rip- off (thanks to a boatload of hidden fees and restrictions), but the timeshare industry is also full of fraud and often uses unethical sales practices. Stay far away. Vacation Clubs A vacation club is a type of timeshare. But instead of paying to use a single property, like a traditional timeshare, you get access to multiple properties in multiple locations. Don’t be fooled though: Vacation clubs stink just as badly as timeshares since they also come with a ton of fees and restrictions. Travel Clubs Travel clubs are a type of vacation club. They have a lot of the same expenses and destinations, but members of a travel club vacation together. The company gets them group rates, so they usually pay less for memberships and fees than vacation club members. They limit where you can travel. A lot of vacation club companies make it sound like you can travel anywhere in the world using their plan, but it’s just not true. Sure, vacation clubs give you more options than a traditional timeshare, but you can only travel to locations where the vacation club company has a property. And even the biggest companies don’t have properties everywhere. The Risks of Vacation Clubs and Travel Clubs Timeshares, vacation clubs and travel clubs all sell people the idea of a fairy-tale vacation at a bargain price, but these “dream” vacations come with nightmarish problems. Here are some of the biggest: They’ve got restricted travel dates. Even though you technically “own” a timeshare or club membership after you buy it, you can’t use it whenever you want. That’s because you have to work around the other owners’ schedules and any blackout dates set in place by the timeshare company. No thanks.

They don’t always let you bring your family. Here’s an area where vacation and travel clubs are worse than timeshares. Did you know many clubs only give the membership to the person who paid for it? That means, unlike with a timeshare, you can’t bring anyone you want along for a trip to some club destinations. And depending on the club, these restrictions can also apply to your immediate family! They’re hard to get out of. This one’s the kicker. It can be really difficult to get out of a timeshare or club membership if you decide you don’t like it. There’s a reason one of the first things you’ll see if you search the internet for “timeshares” is a list of companies dedicated to helping folks get out of them. Vacation Club Costs Not only do timeshares, vacation clubs and travel clubs have a bunch of confusing risks and restrictions, but they also charge a ton of fees! Let’s take a look at all the costs involved in owning a timeshare or club membership, many of which are totally ridiculous. They include:

Initial purchase price Financing costs Closing costs Maintenance fees Point redemption fees

Initial Purchase Price This is the actual cost of purchasing ownership in a timeshare, vacation club or travel club. It’s the biggest expense in owning a timeshare, but once you pay it, the timeshare is yours. Of course, there are plenty of other fees you’ll still have to pay even after dropping cash on the initial purchase price— more on those fees in a moment. The average initial purchase price of a seven-day timeshare is $24,140. With vacation and travel clubs, the price depends on the company you’re buying from. For example, Disney Vacation Club’s typical initial purchase price starts around $32,000. A Hilton Grand Vacations membership averages $22,000. And some vacation clubs also charge an annual membership fee on top of the initial purchase price.

Financing Costs Now, most folks who buy timeshares don’t have $20,000 just lying around, so they wind up financing the initial purchase price. That means they make a down payment and turn the remaining amount into debt that they pay off in monthly installments. It’s just like a car loan or a student loan—but way worse. Why? Because timeshare financing usually carries a ridiculous interest rate. Take Disney Vacation Club as an example. While they advertise interest rates that start at 10% (which is still terrible, by the way), the fine print will tell you that some members could get slapped with an 18% interest rate! That’s almost as bad as credit cards—which, for comparison, have a 20.4% average interest rate. So, while a monthly payment of $400–500 may not sound like a big deal, you’ll be racking up interest the whole time. That’s a huge part of how these companies make money. Closing Costs Are you ready to pay your initial purchase fee and jump into vacationing? Hold your horses, partner. There’s still more money to fork over. Next, you’ll pay closing costs to finalize the sale of the club membership or timeshare. And closing costs aren’t cheap—close to $1,000 in some cases. For example, Disney Vacation Club sometimes charges over $850 for closing costs. There aren’t even this many hoops to jump through at the National Dog Show! Maintenance Fees One of the “perks” of owning a timeshare or club membership is that, even though you technically own part of the property, you don’t have to worry about cleaning or other maintenance when you’re not using it. It seems like a great benefit, but don’t think for a second you won’t pay for it. Maintenance fees are timeshare and vacation club companies’ way of charging you for the upkeep of their properties, and these suckers are expensive. The average timeshare annual maintenance fee is a whopping $1,000. Here’s the kicker with maintenance fees: You have to pay them as long as you own the timeshare. That’s right—even if you pay cash for your timeshare or membership, or pay off your loan, you’ll still owe annual maintenance fees.

Here’s the kicker with maintenance fees: You have to pay them as long as you own the timeshare. That’s right—even if you pay cash for your timeshare or membership, or pay off your loan, you’ll still owe annual maintenance fees. Alicia, a member of our Ramsey Baby Steps Community on Facebook, found that out when she paid off her vacation club membership in 2021. She called the club company after making her final payment and asked if she’d still owe her $875 maintenance fee. Spoiler: She did. “I paid it off two years early, then I asked, ‘Do I still have to pay the maintenance fees?’ And they said yes,” Alicia said. “I get irritated when we have to hit ‘submit’ on the payment.” Point Redemption Fees Somehow, there’s still another fee left to go over, and this one is the most ridiculous of them all. A lot of vacation clubs operate based on a points system. Each year, members are awarded a set number of points. Then, when a member wants to take a vacation, they redeem those points to book time at a property. Here’s the problem: Sometimes, vacation clubs charge their members a fee to redeem their points. That’s right—you have to pay even more money just to use the points that you already paid for! It’s complete nonsense, right? And yet, plenty of people sign up for these plans year after year.

This is just dumb, folks. Don’t fall for this garbage.

Are Vacation Clubs Worth It? No! One more time for the people in the back: No! One more time for everyone else who still didn’t hear: No! Even if you stumble onto a timeshare or club that isn’t a scam, it’s still a horrible financial decision. Let’s take a look at why. For this example, we’ll say you bought a vacation club membership and agreed to pay a $400 monthly payment over 15 years with a $1,000 annual maintenance fee. Over the course of a year, that comes out to $5,800.

In fact, $2,800 invested annually for 15 years in good mutual funds with a 10% rate of return comes out to nearly $100,000, according to our investment calculator. So, if you bought a vacation club, you’d be wasting almost $100,000 of investment potential on nothing. Do you see how the math just doesn’t make any sense here? Especially when you consider that those numbers didn’t include membership fees, point redemption fees, closing costs, or interest. And don’t forget, clubs and timeshares almost always cover only your lodging—your costs for food, travel and attractions will likely only be discounted (not free) with these programs. At their worst, timeshares and vacation clubs are fraudulent scams. At their best, they’re complete rip-offs. This is a lose-lose scenario if we’ve ever seen one. What if, instead of sending $5,800 to the vacation club company, you just bought a $3,000 vacation yourself and kept the remaining $2,800? That $3,000 would probably buy you a pretty nice vacation, and you’d have a ton of extra money to put toward other important financial goals like getting out of debt or saving for retirement.

Peach Mousse Trifle

Peach Mousse

4 fresh peaches 1 tablespoon + 2 teaspoons lemon juice 2 tablespoons cold water 1 tablespoon + 2 teaspoons unflavored gelatin powder 4 tablespoons maple syrup – divided 1 cup heavy cream

Cake

1 cup all-purpose flour 1/2 cup granulated sugar 1 teaspoon baking powder 1/4 teaspoon salt 1/3 cup + 2 tablespoons sparkling water 1 large egg 1/2 teaspoon vanilla extract 2 tablespoons heavy cream 3 tablespoons + 1 teaspoon unsalted butter

Peach Mousse – Part 1

Peel and chop into cubes 3 of the fresh peaches. Add to a blender along with the lemon juice and maple syrup. Puree until light and smooth. Keep in the blender and set aside. For the last peach, chop or slice for the peach layer of the trifle. Peeling the peach is optional. Sprinkle with lemon juice so it does not brown. Set aside in the refrigerator. Add the water to a small prep bowl or ramekin and sprinkle the gelatin over the top. Let it sit for 5 minutes to allow the gelatin to bloom – it will resemble a firm gel when bloomed. Then, heat the bloomed gelatin to a liquid in the microwave – only about 5 – 10 seconds. Pour the liquified gelatin into the peach puree in the blender, and mix for another 30-45 seconds – until all ingredients are thoroughly blended. Keep the peach puree in the blender and cover with a lid. Chill in the refrigerator until the mix starts to thicken. About 1 hour. Note: I keep the peach puree in the blender because it is one less bowl to clean. However, you can transfer it to another bowl if you prefer. While the peach puree is chilling, make the whipped cream. Beat the heavy cream in a chilled bowl until stiff peaks form. Divide the whipped cream in half and place half of the whipped cream in another bowl. Set aside in the refrigerator until ready to use.

Cake

Preheat the oven to 350F degrees and adjust the oven rack to the middle position. Cut a piece of parchment paper to fit the bottom of an 8-inch square cake pan. Grease and flour the bottom and sides of the pan. I like to use Pam Baking Spray with Flour. In a small mixing bowl, whisk together the flour, sugar, baking powder, and salt. In a liquid measuring cup, mix the sparkling water, egg, cream, and vanilla extract until combined. Add the liquid ingredients, along with melted butter to the dry ingredients. Whisk until no streaks of flour remain. Pour the batter into the prepared cake pan. Bake for 20 minutes, or until a toothpick inserted in the middle comes out clean. Cool the cake in the pan for 5 minutes on a wire rack. Then, invert the cake onto the wire rack and carefully remove the parchment paper. Flip the cake back over and let cool completely on the wire rack. Once the cake has cooled, use a cookie/biscuit cutter to match the size and shape of your serving glasses. Or you can cut the cake into cubes for the cake layer of the trifle.

Peach Mousse - Part 2

Add the chilled peach puree to one of the whipped cream bowls and gently fold the mix together. The mousse will be the consistency of the whipped cream and will continue to firm as it chills. In the other bowl of whipped cream, add 1 tablespoon of maple syrup and gently fold until the syrup is fully incorporated. At this point, you can start to assemble the trifle.

Assembling the Trifles

In each serving glass, alternate the mousse, cake, whipped cream, and fresh peaches – starting with the mousse. Chill the trifles for at least 1 hour for the mousse to set. Serve and enjoy!

PARK SCAVENGER HUNT

BENCH FLAG GEESE

SWINGS SIGN

GRILL

PARK

SLIDE

RED BIRD PICNIC TABLE

BRIDGE

FROG

TRASH CAN

DIY Sidewalk Chalk

Pour 1/3 cup of cool water into each plastic cup. Stir about 3-4 Tbsp. of a different color paint into each cup. Mix 2/3 cup of Plaster of Paris into each cup (found at your local craft store). the consistency will be similar to runny yogurt. Pour the mixtures into the silicone molds and tap gently to remove air bubbles. Feel free to mix & layer different colors! Let the mold sit for 24 hours- Setting in the sun will lesson the processing time. Pop the chalk out of the molds, making sure they are all dry. Get creative with your Sidewalk art!

5. 6.

APPLY FOR YOUR HOME LOAN WITHOUT GETTING SPAMMED

During the home loan process, pulling your credit is a requirement. Unfortunately, applying for any type of credit triggers the major credit bureaus who can legally sell your data to other lenders, brokers, credit card companies and marketing firms. This can lead to an increase in telemarketing phone calls, emails, and even regular mail solicitation. However, you can easily opt out by visiting www.optoutprescreen.com or by calling 1-888-5-OPTOUT (1-888-567-8688). CMG Home Loans will never share your personal information with anyone! We care about your privacy and recommend you opt-out to protect your information from being sold. Should you receive any type of solicitation and are suspicious of its validity, please feel free to contact us.

Once you opt-out it may take up to 5 days for the change to go into effect.

OPT-OUT TODAY TO KEEP YOUR LIFE SPAM-FREE!

Shawn Hunt Senior Vice President, Branch Manager NMLS ID# 1098459 Branch NMLS# 2443130 shunt@cmghomeloans.com

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