Blog : Homebuyers

NextHome launches first Rhode Island office for the franchise

NextHome launches first Rhode Island office for the franchise

Brian Buonaiuto

Pleasanton, CA — April 9, 2019 — NextHome is proud to announce our newest addition to the franchise, NextHome Ocean State Realty Group. This new brokerage represents the very first office location opened in the state of Rhode Island by the NextHome franchise. The Cranston-based brokerage will be owned and operated by broker Brian Buonaiuto. He will be joined at the brokerage by his wife, Tara, who is also a licensed agent.

NextHome Ocean State Realty Group will provide real estate services such as first-time buyer, investor, rehab & resale, military relocation, and traditional single-family sales for the entire state of Rhode Island. The brokerage also works closely with the Homes For Heroes program – a home buying program specifically designed for first responders, military personnel, medical professionals, and school teachers.

“Our brokerage takes pride in being able to service the entire state,” said Brian. “Based on the size of Rhode Island, an agent can drive from one side of the state to the other in 45 minutes.”

Brian comes from a background in corporate management, where he had previously worked at several different Fortune 500 Companies such as Burger King, Enterprise Rent-A-Car, and Public Storage.

Knowing he was no longer interested in corporate America, Brian had an eye on pursuing his passion for real estate and in 2018, he left his management role to make the move to selling homes full time.

“I wanted to take my business experience and direct it towards a career where I felt I could really make a difference with buyers and sellers who were looking for great representation,” said Brian.

He started with a small independent brokerage in Cranston and did very well in his first year. But it was a conversation with a friend from Florida that caught his attention.

“I was anxious to start my own brokerage as soon as I was able,” said Brian. “My friend told me about her brokerage (NextHome Gulf Coast) and I looked into the franchise.”

“Everything I saw, I absolutely loved,” he added.

Brian says the NextHome Ocean State Realty Group difference will be having “a company that delivers high level technology that not only helps the buyers and sellers, but also allows agents to provide a ton of value for their clients.”

Brian and Tara have been married for six years and they have a five-year-old son, Jack. With Jack having autism, the couple are very involved with multiple charities and organizations that provide support to families with autistic children.

Please join us in congratulating Brian, Tara and the rest of the team at NextHome Ocean State Realty Group on the opening of the first NextHome office in the state of Rhode Island!

Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at Charis@NextHome.com.

Each office is an independently owned and operated business.

NextHome opens newest brokerage in Waynesville, Missouri

NextHome opens newest brokerage in Waynesville, Missouri

Lisa Ellis

Pleasanton, CA — March 26 2019 — NextHome is proud to announce our newest addition to the franchise, NextHome Team Ellis. This new brokerage represents the sixth office location opened in the state of Missouri by the NextHome franchise. The Waynesville-based brokerage will be owned and operated by top REALTOR® and Broker of record, Lisa Ellis.

NextHome Team Ellis will provide real estate services such as first-time buyer, investor, multi-family, land, military relocation and traditional single-family sales for all of the St. Robert and Fort Wood area. More than 90% of NextHome Team Ellis’ business is working with military families. The agents at the brokerage are experts in working with unique military loans and programs such as Veteran’s Assistance and Homes For Heroes.

Located two-and-a-half hours west of St. Louis, the town of Waynesville is known for its deep military roots. As a military post, Waynesville is the home to the United States Army Chemical, Biological, Radiological and Nuclear School.

Now in her 21st year, Lisa started real estate in 1998 at a local independent brokerage in St. Robert.  She made the move to a Coldwell Banker franchised brokerage in 2000 and saw a huge rise in her business.

In 2004, Lisa moved to a local RE/Max and grew her personal real estate sales year-over-year and was consistently a top producer in her market.

In keeping up with her business, Lisa moved to Century 21 Prestige in 2010 to manage the 12 agent brokerage, while forming her own personal real estate team – Team Ellis. She grew the team to three agents, selling more than 60 transactions annually.

After seven years of managing and running a real estate team, Lisa returned to the RE/Max brand to fully focus on sales with Team Ellis. In 2018, the five-person Team Ellis group sold more than $12 million and 87 transaction sides. Incredible numbers for an area with an average sales price of $133,000.

Lisa attributes the growth and success of the team to focusing on world-class service and client care that has her buyers and sellers returning again and again.

After 20 years in real estate and selling at the highest level, Lisa was ready to take the next step in her career – owning a brokerage.

“As I was doing some research about various franchise models, a real estate friend of mine suggested I check out NextHome,” said Lisa. “Everything I saw about the NextHome franchise fit what I was looking for. The branding, marketing and friendly feel of the company really had me intrigued. I had a great conversation with (NextHome’s VP of Sales) Charis Moreno and I brought all the info back to our team.”

“The Team Ellis members were excited and totally onboard,” she added.

Besides Lisa, NextHome Team Ellis is comprised of five dynamic REALTORS® – Angie Masterton, Hazel O’Donnell, Maryanne O’Brien, JP Macormic and Linda Wyatt.

Lisa and Team Ellis are very involved in the community. They work closely with Fort Leonard Wood, supporting military events as local sponsors and volunteers. Team Ellis also sponsors local youth sports teams in basketball and soccer.

Lisa and her husband, retired US Army E7 First Sergeant, Renard, have four children and four grandchildren.

Please join us in welcoming Lisa and the rest of the team at NextHome Team Ellis on the opening of their brand new office in Waynesville, MO!

Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at Charis@NextHome.com.

Each office is an independently owned and operated business.

NextHome expands in New Jersey with NextHome Evolution

NextHome expands in New Jersey with NextHome Evolution

Rosemarie Heldmann

Pleasanton, CA — March 20, 2019 — NextHome is proud to announce our newest addition to the franchise, NextHome Evolution. This new brokerage represents the sixth office location opened in the state of New Jersey by the NextHome franchise.

The Chester-based brokerage will be owned and operated by REALTOR® and Broker of record, Rosemarie Heldmann. NextHome Evolution will provide real estate services such as first-time buyer, investor, multi-family, land, luxury and traditional single-family sales for all of Morris County, including the towns of Chester, Long Valley, Mendham, Peapack-Gladstone, and Bedminster.

The Chester Township is located west of Morristown and home to just under 9,000 residents. The town is 40 miles west of New York City and features many Victorian-style homes and palatial estates.

While Rosemarie started her real estate sales career in 2014, she has been involved with buying and selling real estate for many years.

After a 20+ year career as an owner of a retail jewelry shop, Rosemarie went full time into selling real estate five years ago. As an avid commercial real estate investor, she used that experience to help others buy and sell real estate.

“For many years before I became a REALTOR®, I was actively buying, rehabbing and holding properties for long-term investment,” said Rosemarie. “I originally intended on getting my license and focus on purchasing my own properties.”

“But after having other investors and interested home buyers ask me if I could help them, it made sense for me to help others buy and sell properties as well,” she added.

In 2017, Rosemarie attained her broker’s license and opened her brokerage, Fieldstone Real Estate.

Although very successful, Rosemarie decided that 2018 was the year to diversify her business to add more residential sales. She found NextHome through a simple Google search of “real estate franchises.”

“I saw a NextHome sign in front of a listing when I was driving home one evening,” recalled Rosemarie. “I had to stop the car and take a look at the sign. It was so eye-catching and fresh, I was blown away by the branding.”

“Once I did more research about the company, I was hooked and knew NextHome was what I was looking for.”

When not selling real estate, Rosemarie plays tennis competitively. She has been playing tennis on the highest level for more than 45 years – often traveling to play matches throughout the state of New Jersey.

She is the mother of four daughters – Erika (30), Paige (27), Olivia (22), and Sophia (19).

Please join us in welcoming Rosemarie and the rest of the team at NextHome Evolution on the opening of their brand new office in Chester, NJ!

Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at Charis@NextHome.com.

Each office is an independently owned and operated business.

NextHome Willamette opens second office location

NextHome Willamette opens second office location

Heidi and Ben Andrews

Pleasanton, CA — March 15, 2019 — NextHome is proud to announce our newest addition to the franchise, NextHome Willamette – Vancouver, Washington Branch. This new brokerage represents the seventh office location opened in Washington by the NextHome franchise.

The Vancouver-based brokerage will be owned and operated by 16-year real estate veteran and top producing broker, Ben Andrews. The second-generation REALTOR® will lead the office of 7 agents. NextHome Willamette – Vancouver Branch will provide real estate services such as first-time buyer, investor, multi-family, land, luxury and traditional single-family sales to the areas of Camas, Ridgefield, Hazel Dell, Battle Ground, Brush Prairie, and the remainder of Clark County.

While in the state of Washington, Vancouver is actually a suburb of the Portland Oregon Metro Area. The city is home to nearly 175,000 residents and has been on numerous lists as One of The Best Places in the Nation To Live.

In 1999, Ben’s parents and brother started Willamette Realty. As a family owned brokerage, the company grew to over 40+ agents.

As a graduate of University of Oregon, Ben spent six years as a professional track runner specializing in the mile. Once he decided the time was right to retire, he joined his family in the real estate business.

In 2003, Ben and his girlfriend at the time (and wife today) Heidi, started as REALTORS® with Willamette Realty. While they built a solid real estate business, it was when they developed their hyper-local focused website, www.PearlDistrict.com, that the business really started taking off.

“We put a lot of effort into our website to be the community resource for all things Pearl District here in Portland,” said Ben. “We saw the business go from $3 million in volume annually to nearly $10 million a year in sales.”

In 2010, the Andrews had their first child, Henry, and that changed a lot for the couple and their business focus.

“Instead of going out and constantly getting new business, we really changed our focus to building our business by referral,” recalled Ben. “2012 was a year that changed everything for us.”

In 2012, the couple sold more than $18 million in volume.

“We hired a coach, started putting systems in place, and six years later, this process has allowed us to increase our business, yet take more time to be home with our son,” added Ben.

Finding NextHome through a mutual friend and business colleague, Sean Hackney who is the broker/owner of NextHome Northwest Living, Ben knew it was time to start his own brokerage with the franchise.

“The company was everything I was looking for in a real estate brand,” said Ben. “From the marketing, to the look and feel of the branding, to the high-level technology. We couldn’t be happier to be a part of NextHome.”

With the growth of the existing office and the client requests to assist on the other side of the Washington/Oregon border, it was the right time to expand into a new market.

“We focus on having a referral based business and teaching our agents to rely on deep relationships with their clients,” said Ben. “Our agents are in business for themselves, but not by themselves.”

Please join us in congratulating Ben, Heidi and the rest of the team at NextHome Willamette – Vancouver Branch on the opening of their second office location!

Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at Charis@NextHome.com.

Each office is an independently owned and operated business.

NextHome At The Beach opens second location in Florida

NextHome At The Beach opens second location in Florida

Paige Brewer, Robyn Stahl, Sandra Fernandez (left to right)

Pleasanton, CA — March 13, 2019 — NextHome is proud to announce our newest addition to the franchise, NextHome At The Beach – Miami Branch. The new brokerage is the 49th NextHome franchise location in the state of Florida.

The NextHome At The Beach – Miami Branch will be owned by business partners Robyn Stahl and Paige Brewer. They will be joined on the leadership team by the Managing Broker and longtime Miami real estate icon, Sandra Fernandez. The company has agents who will help clients in both Spanish and English.

“We’ve known Sandra through the Women’s Council of REALTORS® over the past four years,” said Paige. “We have always loved her commitment to leadership, dedication towards education and her efforts in helping others. To have such a productive agent also be a part of our expansion has been a perfect match.”

“Paige and I have worked alongside Sandra for several years and fully trust that she will run the brokerage with such care,” added Robyn. “Her love and passion for real estate is unmatched.”

Sandra holds several important National Association of REALTORS® designations including Council of Residential Specialist (CRS), Council of Real Estate Brokerage Managers (CRB), Graduate, Realtor Institute (GRI), Performance Management Network (PMN), Short Sale and Foreclosure Resources Certificate (SFR), Certified International Property Specialist (CIPS), At Home with Diversity (AHWD), Broker Price Opinion Resource Certificate (BROR), and Military Relocation Professional (MRP).

She currently serves as the Chair for the Florida REALTORS® Leadership Academy.

The 62-associate brokerage will support the entire Miami-Dade County and Florida Keys, which has more than 5 million residents in the Miami Metropolitan Area.

The company will provide sales services for residential, luxury, commercial, second homes, multi-family, investment properties, and first-time home buyer opportunities.

Robyn has been in real estate since 1986 in various roles as a real estate professional. She served as a mortgage processor and title processor for nearly 25 years before getting her real estate license in 2013.

Paige started her real estate career in Louisiana in 2009 and moved to Daytona Beach upon her husband’s retirement from the military. His retirement proved to be the perfect opportunity to move to a Florida beach community.

The business partners met while volunteering as members of their local Women’s Council of REALTORS®. While both women worked in the Daytona Beach area, they connected while members of two separate real estate companies.

In 2016, Brewer served as the President of the Women’s Council of REALTORS® -Daytona Beach Area Network and in 2017, she served as the District Vice President for District 8 and 9 for the state of Florida.

Over the past two years, their NextHome At The Beach location in Daytona has been incredibly successful. As an award-winning office of 20+ agents, expansion was inevitable.

With the leadership trio of Robyn, Paige and Sandra, NextHome At The Beach is positioned to see even more success in 2019.

Please join us in congratulating Robyn, Paige, Sandra, and the rest of their team at NextHome At The Beach for the grand opening of their second NextHome office!

The NextHome franchise opens location in Bethpage, New York

The NextHome franchise opens location in Bethpage, New York

Joseph Saldana (left) and Anthony Pellicane (right)

Pleasanton, CA — March 7, 2019 — NextHome is proud to announce our newest addition to the franchise, NextHome Revere. The brokerage represents the 7th location opened in the state of New York for the NextHome franchise.

The company will be owned and operated by long-time business partners Joseph Saldana and Anthony Pellicane.

Based out of Bethpage, NextHome Revere will provide real estate services such as single-family residential sales, first-time home buyers, multi-family, commercial, new construction, second homes, vacation homes, retiree services, and veteran relocation services in the boroughs of Queens, Bronx and Brooklyn, as well as Suffolk and Nassau Counties.

Both Anthony and Joseph followed similar real estate paths before linking up and partnering in 2012.

After a 20+ year career in law enforcement with the New York Police Department, Anthony started his real estate career in 2000 on the lending side. In 2004, he joined the Douglas Elliman real estate company and did both mortgage and real estate.

Successfully selling real estate, Anthony focused his attention to only real estate sales and in 2010 opened Simplicity Homes Real Estate.

Joseph started his real estate career as a mortgage lender in 2000. Working strictly on loans, he owned his own mortgage company until 2008, when he joined Cruz Real Estate, a real estate foreclosure firm. Joseph solely worked on REO and foreclosure properties until 2012.

While on their independent real estate paths, the future business partners met each other in 2010 when Joseph previewed a property that Anthony was holding open. The two men stuck up a friendship and worked together several times over the next few years.

Seeing an opportunity to work together, the formed a partnership in late 2012 and opened Joseph Anthony Homes in 2013.

“Joseph’s business savvy and how he makes confident and quality decisions for our team has been invaluable for our partnership,” said Anthony. “Joseph has been a great friend and a perfect partner to work with.”

“I’ve always loved that the two of us put in equal effort in making our business successful,” added Joseph. “So many times, we’ve seen other business partnerships not work because of one person not carrying their weight. I’ve never had to worry about that with Anthony. His work ethic is unmatched and I’m proud to be in business with him.”

The partners found NextHome in 2018 completely by accident. Interestingly enough, the introduction to the company came during a presentation from a competing franchise.

“We were looking at real estate franchises and while in a presentation with a well-known real estate franchise, they presented NextHome on the screen as a ‘disruptor’ and that piqued my interest,” said Joseph. “After researching what NextHome had to offer, we knew we found our franchise partner.”

On February 1st, 2019, NextHome Revere held its Grand Opening and had over 100 friends, family, past clients and community members in attendance. Also in attendance was NextHome’s Vice President Imran Poladi.

“Being there in person to see the launch of NextHome Revere was something special,” said Imran. “To see the outpouring of support and how dedicated these men are to not only providing great service to their clients and community, but also to their wonderful group of agents, I couldn’t be more proud of them. I speak for all of us at NextHome in saying we couldn’t be happier to have Anthony and Joseph be part of the NextHome family.”

Please join us in congratulating Anthony, Joseph, and the rest of the team at NextHome Revere on the opening of their NextHome office in Bethpage, NY!

Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at Charis@NextHome.com.

Each office is an independently owned and operated business.

For First Time in 5 Years, Buyers Have More Selection to Start the Year (January 2019 Market Report)

For First Time in 5 Years, Buyers Have More Selection to Start the Year (January 2019 Market Report)

  • U.S. for-sale home inventory increased 1.2 percent from a year ago. The largest inventory increases were seen in softening but still competitive West Coast markets.
  • The typical U.S. home was worth $225,300 in January, 7.5 percent more than a year ago.
  • The median rent rose 2.1 percent over a year ago to $1,468, the third straight month of accelerating appreciation.

January marked the reversal of a longstanding trend in the housing market – a modest annual gain in for-sale inventory last month means that for the first time in at least a half decade, the U.S. housing market began the calendar year with more homes available for sale than the year prior.

There were slightly more than 1.6 million U.S. homes listed for sale on Zillow in January, up 1.2 percent from a year ago and the first annual gain recorded in January since prior to 2014,[1] according to the January Zillow Real Estate Market Report.[2] The small bump in inventory to start the year may give those buyers eager to get an early jump on the spring home shopping season some reason for optimism after years of consistent inventory declines, though inventory levels overall remain constrained.

Inventory fell year-over-year for 44 straight months beginning in January 2015, before reversing course in September 2018. It has since grown on an annual basis in four of the past five months, though at a fairly tepid pace. And inventory remains far below peak levels: The 1,618,058 U.S. homes for sale in January is down more than 20 percent from the recent high of more than 2 million set in July 2014.

Inventory remains below peaks reached in the past five years in all 35 of the nation’s largest markets for which we have adequate inventory data – in many cases far below. January inventory was more than 20 percent below recent peaks in 24 of these 35 markets, and less than 10 percent below peak in just seven.

Still, inventory did rise year-over-year in 28 of those 35 large markets, and many are adding inventory at a rapid pace, especially a handful of previously red-hot West Coast markets. On an annual basis, January inventory grew 42.9 percent in San Jose, Calif. (904 more homes available for sale in January 2019 from January 2018), 36.9 percent in Seattle (3,324 more homes), 31.9 percent in San Diego (2,450 more homes), 29.1 percent in Los Angeles (6,682 more homes) and 25 percent in San Francisco (1,556 more homes). Recent rapid growth in inventory is putting many of these areas closer to recent peak levels: Inventory is less than 10 percent below recent peaks in Los Angeles and San Jose, and is just 2.3 percent below the peak in San Francisco.

For the past several years, many homebuyers may have felt they couldn’t catch a break as the number of homes available for sale continued to shrink each passing month. But something shifted during the second half of 2018, and while home buyers aren’t yet out of the woods there is a glimmer of light on the horizon. The number of homes on the market is hesitantly inching higher – now approaching the highest level in a year and a half. And in the priciest markets, the jump has been even more definitive.

But buyers should not mistake a few more options for a sudden bounty, and this latest growth spurt in inventory has done little to cool rapid home value appreciation that has been driven in large part by high demand from buyers and limited availability of homes for sale. The median U.S. home value in January was $225,300, up 7.5 percent year-over-year. Annual U.S. home value growth has remained steady in the seven percent range over the past two years, though the national numbers obscure substantial differences across the country.

Home values were up year-over-year in each of the country’s 35 largest markets. Indianapolis and Atlanta experienced the biggest jumps over the past year, with home values increasing by more than 12 percent in both metros.

Rents also continue to grow. The U.S. median rent rose to $1,468/month in January, up 2.1 percent from a year ago, the largest annual increase in rent since May 2018 and the third straight month of annual growth after a brief flattening and decline in August, September and October 2018. Rent increased or remained flat in all major metros, with Orlando (up 7.4 percent) experiencing the biggest increase. On the other end of the spectrum, rents were flat in Portland over the past year.

Mortgage rates on Zillow ended January at 4.14 percent,[3] the lowest rate of the month. On January 1, rates began the year at their highest point, 4.3 percent. By the end of January, mortgage rates had retreated 61 basis points from their most-recent November 2018 peak.

Lower rates headed into the spring home shopping season may give buyers slightly more wiggle room in their budgets, helping to keep monthly mortgage payments more manageable even as home prices themselves continue to rise. But the benefit of lower rates may prove to be a double-edged sword for buyers – lower rates do boost affordability, but may also drive more buyers into the market, creating a more competitive environment than the brief lull the market experienced as 2018 came to a close.

[1] Zillow inventory data begin in January 2013, so year-over-year calculations for the month of January are only available beginning in January 2014.

[2] The Zillow Real Estate Market Reports are a monthly overview of the national and local real estate markets. The data in Zillow’s Real Estate Market Reports are aggregated from public sources by a number of data providers for 928 metropolitan and micropolitan areas, in many cases dating to 1996. Mortgage and home loan data are typically recorded in each county and publicly available through a county recorder’s office. All current monthly data at the national, state, metro, city, ZIP code and neighborhood level can be accessed at www.zillow.com/research/data.

[3] Zillow’s real-time mortgage rates are based on thousands of custom mortgage quotes submitted daily to anonymous borrowers on the Zillow Mortgages site and reflect the most recent changes in the market.

For more helpful tips, visit the Zillow Blog.

NextHome Hahn Kiefer Residential is the newest NextHome office

NextHome Hahn Kiefer Residential is the newest NextHome office

Joe Kiefer (left) and Becky Kasha (right)

Pleasanton, CA — February 22, 2019 — NextHome is proud to announce the newest addition to the franchise, NextHome Hahn Kiefer Residential in Evansville, Indiana.

The brokerage will be owned by longtime Evansville resident and business entrepreneur, Joe Kiefer. As the owner of the successful commercial real estate company Hahn Kiefer Commercial Real Estate Brokers, Joe is excited to announce the launch of the residential division of his real estate company.

Joe has brought on Becky Kasha to run the day-to-day operations for the company. She will serve as the Managing Broker and will be responsible for real estate sales, recruiting new agents to the company, and overseeing all legal compliance details.

The company will provide residential real estate services for the residents of Vanderburgh County.

Evansville is located in the farthest southwest corner of the state of Indiana – located near the borders of Illinois and Kentucky. The city has approximately 180,000 residents, with many moving to the county due to the new home construction that has been increasing the past several years.

Joe and his commercial brokerage will be celebrating its fifth year in 2019. As the company has grown market share and expanded the client base, the need for residential real estate services became more and more apparent. Joe knew that adding the residential division would be critical for the growth of the company, so he found a business partner to step in and work that side of the business.

Joe and Becky have known each other for more than 25 years. As a former city councilman and county commissioner, Joe met Becky through various political events and activities. As an important member of campaign fundraising and support team, Becky was able to work alongside Joe for many years. In addition to a friendship, the two gained mutual respect for each other – personally and professionally.

Becky is well positioned to lead a brokerage and help others achieve their real estate goals. With 25 years as a lawyer, experience as a PGA TOUR Director, and an important member of more than a dozen non-profit organizations, Becky is uniquely qualified to lead and motivate others by creating a positive work environment where agents will feel supported, yet able to independently do their business.

“Having personally met both Becky and Joe, I am excited about their addition to the NextHome franchise,” said NextHome’s Vice President Imran Poladi. “With their deeply connected roots to the community, their commitment to excellent client service, and their dedication to the real estate professional, I couldn’t be more proud to have them be a part of our NextHome family.”

Please join us in congratulating Joe, Becky and the rest of the team at NextHome Hahn Kiefer Residential on their new office opening in Evansville, Indiana!

Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at Charis@NextHome.com.

Each office is an independently owned and operated business.

The dirty “D” word of insurance – Deductible

The dirty “D” word of insurance – Deductible

In the business of insurance, customers and clients have identified two dirty words, premium, and deductible, because they imply a cost the customer will have to pay. Premium refers to the monthly, semi-annual, or annual bill a customer pays for insurance protection. A deductible is the financial portion of a claim an insured (aka homeowner) would be responsible for in the event a claim is made.

When it comes to homeowner’s insurance, a deductible can actually be structured one of two ways: it can be a flat rate (for example a $1000 deductible) or it can be a percentage of the insured structure (for example a 1% deductible on a $250,000 home would be $2500.)

Generally, the higher deductible a customer can afford, the more inexpensive the regular premiums will be. With a higher deductible, the customer is taking on more personal risk in the event of a claim, so the insurance companies reward them with a lower bill.

 

PRO TIP for homeowners: set up a separate savings or investment account that always keeps your deductible set aside so you can use it as needed during the time of a claim.

Also, be aware that a homeowner’s insurance deductible does not operate in the same fashion as a health insurance deductible. Each homeowner insurance claim requires the same expected deductible* and small claims do not add up until you “meet your deductible” as it does in healthcare. This means that clients should not file a claim unless the damage to the property is substantial enough to surpass their deductible. Your designated insurance agent will be able to help educate you on do’s and don’ts of filing claims.

 

PRO TIP for homeowners: consider bundling your home and auto insurance with the same company to earn discounts on your insurance costs.

Finally, don’t expect to write your insurance company a check for your deductible in the event of a claim. The insurance company will assess the damage and make payment to the insured minus their deductible. For example, a homeowner’s insurance claim adjusted in the amount of $10,000 with a $1,000 deductible would pay the insured $9,000.

When you understand the dirty words of insurance, they become a little less intimidating and you can control how you use them (literally and figuratively.)

Be sure to reach out to Gateway Insurance Group to explore your options for deductibles, discounts, and more! Visit us at www.gfapandc.com/nexthome

*With some policy provision exceptions (like a lesser deductible for a wind claim, etc.)

NextHome RGV Realty opens two office locations in Texas

NextHome RGV Realty opens two office locations in Texas

Ronnie Ontiveros

Pleasanton, CA — February 14, 2019 — NextHome is proud to announce our two newest additions to the franchise, NextHome RGV Realty in Port Isabel and McAllen, Texas. The two brokerage locations represent office locations #21 and #22 opened in the state of Texas for the NextHome franchise. The offices are approximately 20 minutes from each other.

The brokerage will be led and owned by top-producing REALTOR® owner Ronnie Ontiveros. She will handle all day-to-day operations for the company in both locations. She will be assisted on the leadership team by her mother, Nora Flores, who will handle back office details. Scarlett Pardo will serve as the Team Leader for the office.

The team at NextHome RGV Realty will handle all types of residential property sales such as first-time home buyers, investors, military and veteran services, land, relocation, foreclosures, short sales, and all forms of residential sales of 1-4 units. With nearly 20 associates between both offices, the company is poised to make a mark in South Texas.

The McAllen-based NextHome RGV Realty location will work in the cities of McAllen, Edinburg, Mission, Alamo and the entirety of Hidalgo County.

The Port Isabel office will handle clients in the cities of Port Isabel, Harlingen, South Padre Island, Brownsville and the remainder of Cameron County.

McAllen is the largest city in Hidalgo County with a population with nearly 150,000 residents.

A REALTOR® since 2004, Ronnie started her career in Dallas as a manager for the #1 Keller Williams agent in the United States at that time, Patrick Iommi. Working in that environment allowed Ronnie to learn the ins and outs of running a high-volume, highly productive real estate sales location.

After two years, Ronnie decided to make the move back to her hometown of McAllen and started working with a real estate team at Select Properties as a buyers agent. Shortly after, she switched to becoming a listing agent and had a very successful three year run as a member of the team.

In 2009, Ronnie and a business partner, made the move to Keller Williams in McAllen. Slowly building her business, her first year at the company, she sold nearly $4 million in volume – a huge achievement in a market where $179,000 is the average sales price of a home.

For nearly a decade at Keller Williams, Ronnie was one of the top producing agents in the entire city of McAllen. In 2018, Ronnie sold more than $14 million in real estate.

With ten years of high-volume sales, Ronnie was ready to go into 2019 as a business owner rather than just a REALTOR®.

“Prior to joining NextHome, I knew I wanted to either own my own brokerage or buy into an existing company and be part of the ownership team,” said Ronnie. “When I realized that an ownership opportunity wasn’t possible at the brokerage I was working at, I knew this was the time for me to go out on my own.”

After researching several different companies, Ronnie eventually decided to franchise with NextHome due to the strong organizational structure of the franchise.

“Having someone of Ronnie’s caliber join our company is an honor for us at NextHome,” said NextHome’s Vice President Imran Poladi. “As a long time real estate icon, she brings a stellar reputation and a brokerage full of talented and committed real estate agents who are really making an impact in their community. I speak for our entire corporate team when I say that we are beyond excited to have NextHome RGV Realty team join our NextHome family.”

Please join us in congratulating Ronnie and the rest of the team at NextHome RGV Realty on their office openings in Port Isabel and McAllen, Texas!

Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at Charis@NextHome.com.

Each office is an independently owned and operated business.