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Company Information

John Behrens named Shining Star for December

Training Director Connie Hain and HomeServices Lending Admininstrator Marge Anderson present Behrens with the Shining Star award.
Training Director Connie Hain and HomeServices Lending Branch Administrative Assistant Marge Anderson present Behrens with the Shining Star award.

John Behrens, NMLSR ID 494667, of HomeServices Lending was named the Shining Star for December. Behrens offices at the HOME Real Estate Cotner office. The Shining Star award is a monthly award to recognize an employee, sales associate or sales manager who has exceeded expectations in some area of his or her work.
Behrens’ nomination read:

“I need to nominate our lender, John Behrens, for the Shining Star award for December.  Just now, a couple of men came into our office, lost, looking for the housing authority office.  John was walking in when they came in, and was trying to give them directions (it is three blocks from Cotner).  One of the men was blind – both appeared to be from another country by their accents.  The blind man’s companion looked so confused and upset because he did not speak English well, did not understand directions, local landmarks or the street numbering system, and appeared almost near tears.
They were on foot.  John dropped everything he was doing and put his things away in his office, and walked with them to the Housing Authority offices, making sure they got there okay.  Such a generous thing to do – he really deserves a pat on the back for that!.

Shining Stars are HomeServices of Nebraska associates, including managers, employees and agents, who help make our company a better place for our customers, clients and for each other. Nominees must exemplify the following:

  1. The person went out of their way to exceed the HomeServices of Nebraska Standards and best practices.
  2. The gesture or service was above and beyond normal job requirements or expectations.
  3. The employee, manager or agent went beyond the call of duty to ensure the needs of a customer, fellow employee or agent.

Anyone is invited to nominate employees, agents or managers who have displayed The Shining Star Spirit. For someone to be recognized, a Shining Star Nomination Form must be submitted by the 15th of every month. *A participant is eligible to win one (1) time per year.
Shining Star Values
Positive Attitude – A positive attitude is focusing on what is useful, beneficial and worthwhile in each and every situation. Your attitude is displayed through your words, actions and facial expressions with your customers and those around you.
Accountable – Accountable is being responsible for your actions and behaviors as they impact customers and those around you.
Responsive – Being responsive is being open to the situation as it occurs and responding in a sensitive manner to meet needs and expectations.
Teamwork – Teamwork is helping each other win and taking pride in each other’s victories. No one person or department alone can provide for the comprehensive needs of our customers. We achieve our goals when working together as a team.
No Excuses – A culture of no excuses acknowledges when mistakes or perceived shortcomings are made and seeks to correct or make right rather than rationalize or justify the problem.
Exemplary – To serve as a model or example of positive action; strive for high performance standards and deliver results. Demonstrate technical competence. Set high standards for self, demonstrating integrity and superior customer service skills.
Responsibility – Responsibility is acting with initiative and understanding that our organization and our customers are depending on us.
Service – Service is everything we do to exceed the needs and expectations of our customers at all times.
Safety – Demonstrate the importance of safety and how it may influence our daily lives.

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Company Information

Gaide named Home Owners Plus director

Andie Gaide
Andie Gaide

Home Owners Plus has named a new director, Andie Gaide.
Gaide replaces outgoing Buffy Cornish at Home Owners Plus, which is a membership of home related businesses and services exclusive to clients of HOME Real Estate and its sister company.
Gaide holds a bachelor’s degree in business communication with a minor in psychology from Concordia University. Simultaneously, she earned her Nebraska real estate salesperson’s license from the Larabee School of Real Estate. After graduating, she represented HOME Real Estate in Lincoln at the Pine Lake office as an real estate agent before accepting the position.
Gaide will also assist HOME Real Estate associates with their clients’ American Home Shield home warranties.
For more information about the Home Owners Plus program, call 402-437-7600.

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General Real Estate

CFPB Tips for Homebuyers

From the Consumer Financial Protection Bureau (CFPB)

Make the most of the new CFPB mortgage rules

Beginning January 2014, new rules take effect that are designed to achieve a common sense goal: When it comes to shopping for a home mortgage, it should be easy for consumers to find the information they need to make good decisions. The CFPB rules simply require lenders to document a borrower’s ability to repay the loan and follow other common sense rules to protect consumers.
The CFPB’s rules ensure that anyone being paid to help you find a mortgage treats you fairly at key points in the process. The rules are aimed at empowering you to shop for loans to buy and own a home with more confidence.

How the CFPB’s new rules help if you are shopping for a home loan

Tip #1: Only you can decide how much you are comfortable paying for your mortgage.

The new mortgage rules will make the market safer and easier to understand. For example, lenders now have to make a good faith effort to determine if you have the ability to repay your loan. They can meet this standard by making a loan known as a “Qualified Mortgage” that doesn’t have high fees and certain risky features like negative amortization or interest-only periods. But in the end, only you can decide how much you are comfortable paying for a mortgage.

Tip #2: Use your market information.

You will get a copy of any appraisal or valuation at least three business days before you go to closing. Appraisals can provide you an estimate of what a home is worth. You may also obtain your own independent appraisal. If the appraisal is well below the price you offered to pay, you may want to consider renegotiating the price or reviewing the appraiser’s work carefully to understand how the appraiser arrived at the estimated value.

Tip #3: Get reliable help.

Any company that is paid to help you find or get a mortgage must train its agents, brokers and loan originators and make sure they have been through a background check. With limited exceptions, the people you hire to help you find a mortgage should be licensed or registered at the state or federal level. Ask your loan originator about their credentials.

Tip #4: Watch those fees.

New CFPB mortgage rules limit the fees a lender can charge and still make what is called a Qualified Mortgage. In general, qualified mortgages do not have particularly risky features, and the points and fees are less than 3% of the loan amount, though fees can be higher for loans of less than $100,000. These rules do not require lenders to cap fees. You still have to decide for yourself whether it’s a good idea to pay high fees to get a loan. And be sure to review your closing statement carefully to make sure there are no fees there you did not agree to pay.
Fore more information, visit the CFPB online at www.consumerfinance.gov.

Categories
Sales Associates

Welcome HOME to Gary Hardt

Gary Hardt
Gary Hardt

Gary Hardt joins the North office. He grew up in Lincoln, Nebraska where he attended Northeast high school. He attended the University of Nebraska, Lincoln. You may have seen him briefly on the movie screen, he has appeared as an extra in several movies, including his role as a stand-in for Stacy Keach in Alexander Payne’s movie “Nebraska” last October!  Gary can be reached at 402-314-5484 or gary.hardt@homerealestate.com.

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Sales Associates

Welcome HOME to Mitzi Garthright!

Mitzi Garthright
Mitzi Garthright

Mitzi Garthright joins the Pine Lake office. She may look familiar, she worked at the Nebraska Land Title and Abstract (NLTA) in the past. She is excited to be back with the HomeServices team. Her hobbies include baking, crocheting, spending time with family, friends and her dogs, Ziggy and Sweet Pea. Mitzi can be reached at 402-202-7229 or mitzi.garthright@homerealestate.com.

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Sales Associates

Welcome HOME to Amy Truell

Amy Truell
Amy Truell

Amy Truell joins the Pioneer Greens office. She grew up in Lincoln, Nebraska. She attended Southeast High school. Then earned her Bachelor of Science in Architectural Sciences at the University of Nebraska, Lincoln.  Her hobbies include golf, collecting antiques and camping with her family. Amy can be reached at 402-805-0751 or amy.truell@homerealestate.com.

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Sales Associates

Welcome HOME to Jake Grasmick

Jake Grasmick
Jake Grasmick

Jake Grasmick joins the Pine Lake office. He grew up Lincoln, Nebraska. He attended Lincoln Southeast High School and the University of Nebraska Lincoln, where he majored in Business Administration and Economics. His hobbies include golf, shooting trap and snowboarding. Jake can be reached at 402-450-6451 or jake.grasmick@homerealestate.com.