Senior Citizen’s replacement home benefits

Senior Citizen_s replacement home benefits

As a senior citizen and are looking to downsize your living situation, you can take advantage of certain tax breaks like proposition 60 & 90.

Here is some information that can be useful when downsizing your home.

Propositions 60 and 90

In most cases, these constitutional tax initiatives allow senior citizens to transfer the trended base value from their current home to a replacement property if certain requirements are met. This may result in substantial tax savings.

Who Qualifies?

If you or your spouse that resides with you are age 55 or older, you may buy or con-struct a new home of equal or lesser value than your existing home and transfer the trended base value to your new property.

This is a one-time only benefit. You must buy or complete construction of your re-placement home within two years of the sale of the original property. Both the original home and the new home must be your principal place of residence. A claim must be filed within three years of purchasing or completing new construction of the replacement property. If a claim is filed after the three-year period, relief will be granted beginning with the calendar year in which the claim was filed.

Once you have filed and received this tax relief, neither you nor your spouse who resides with you can ever file again.

Eligibility Requirements:

1. The replacement property must be your principal residence and must be eligible for the Homeowners’ Exemption or Disabled Veterans’ Exemption.

2. The replacement property must be of equal or lesser “current market value” than the original property. The “equal or lesser” test is applied to the entire replacement residence, even if the owner of the original property acquires only a partial interest in the replacement residence. Owners of two qualifying original residences may not combine the values of those properties in order to qualify for a Proposition 60 base-year transfer to a replacement residence of greater value than the more valua-ble of the two original residences.

3. The replacement property must be purchased or built within two years (before or after) of the sale of the original property.

4. Your original property must have been eligible for the Homeowners’ or Disabled Veterans’ Exemption.

5. You, or a spouse residing with you, must have been at least 55 years of age when the original property was sold.


Q. What is the difference between Proposition 60 and Proposition 90?

A. Proposition 60 relates to transfers within the same county (intra-county). Proposition 90 relates to transfers of base value from one county to another county in California (inter-county).

Q. If I qualify for Proposition 60/90 benefits, do I still need to file for a Homeown-ers’ Exemption on the replacement property?

A. Yes. Homeowners’ Exemptions are not granted automatically.

Q. What is the Proposition 60/90 filing deadline?

A. A claim must be filed within three years of purchasing or completing new construction of the replacement property.

If a claim is filed after the three-year period, relief will be granted beginning with the calendar year in which the claim was filed.

Q. My original home is located outside Los Angeles County, but my replacement home is in Los Angeles County. Do I qualify for relief?

A. Yes.

Q. I plan to relocate from Los Angeles County to another county. Do I qualify for relief?

A. You may qualify for relief. Other counties in California have passed ordinances enabling Proposition 90. We recommend that you contact the county to which you wish to move regarding Proposition 90 eligi-bility.

Q. Do all replacement homes qualify?

A. If you meet all other eligibility requirements, relief is granted for a single family residence, condomini-um, unit in planned development, cooperative housing, community apartment, manufactured home sub-ject to local real property tax, and living unit within a larger structure consisting of both residential and non-residential accommodations.

Q. If I make an improvement to my replacement home within two years of pur-chase, can I get additional tax relief for the new construction?

A. Yes, as long as the total amount of your purchase and the new construction does not exceed the market value of the original property at the time of the sale.

Q. What does “equal or lesser value” of a replacement property mean?

A. The meaning of “equal or lesser value” depends on when you purchase the replacement property.

In general, equal or lesser value means:

 100% or less of the market value of the original property if a replacement property was purchased or newly constructed before the sale of the original property, or

 105% or less of the market value of the original property if a replacement property was purchased or newly constructed within the first year after the sale of the original property, or

 • 110% or less of the market value of the original property if a replacement property was purchased or newly constructed within the second year after the sale of the original property.

When making the “equal or lesser value” test, it is important to understand that the market value of a property is not necessarily the same as the sale or purchase price.

The Assessor will determine the market value of each property. In some new developments, the indicated sale price does not include upgrades paid for outside of escrow. The Assessor must consider the value of these upgrades when determining the market value of the property. If the market value of your replace-ment dwelling exceeds the “equal or lesser value” test, no relief is available. It is “all or nothing” with no partial benefits granted.

Q. Can I give my original home to my son or daughter and still get Proposition 60/90 benefits when I purchase a replacement property?

A. No. An original property must be sold and subject to reappraisal at full market value.

Q. If an original property has multiple owners, can Proposition 60/90 tax relief be split?

A. No. The co-owners must determine between themselves which one will get the benefit. Only one origi-nal owner can claim Proposition 60/90 tax relief.

Q. How does the “equal or lesser value” test apply if my original property is a multi-unit dwelling?

A. The “equal or lesser value” test applies to the original single unit that the homeowner calls their principal residence. The mar-ket value of the replacement property has to be of “equal or lesser value” to the market value of the original single unit. An example would be one unit of a duplex.

For More Information:

You may also contact us for any other general property tax questions, on a 24 hours a day basis, in the follow-ing ways:

  • Assessor’s Website: To research comparable sales, verify valuations, download forms, learn how appraisals are made, and more, visit:
  • Assessor’s Email: Send your questions, comments, and suggestions to:
  • Los Angeles County Property Tax Website: General information regarding property taxes, including how to read your tax bill and where to find answers to your questions. Visit:
  • Property Information Hotline: Minimal wait times, averaging less than a minute. Fast transfers to expert staff during normal business hours. Just call toll free 1.888.807.2111.
  • Automated Interactive Voice System: Information on valuations and taxes can be obtained by entering the Assessor Identification Number from a property tax bill.
  • Call 213.974.3838 or the toll free number above.

Si desea ayuda en Español, llame al numero 1.888.807.2111

Source: Los Angeles County Assessors

Moderno Realty Blog:



6 things that’ll sell a home faster.

Exterior house

Often, what helps a home sell faster is also what helps a home sell for more.

Surprisingly enough, just having a low price isn’t the key. Homesellers need to think of their property as a product – something to market – instead of home. When they do, the result will be a fast sale at a great price.

1. Stage the yard

The first thing people see when driving up to a home is the yard. Parking at the curb, hence the term “curb appeal,” buyers make an instant determination of how desirable a home is by how it looks. First impressions are everything, right?

A beautiful front yard makes a good impression that should continue when potential buyers walk in the house.

Remove weeds, rake leaves, trim hedges and anything else to clean it up. Then, you can work on staging the yard.

Anything new including plants, grass or mulch will always brighten up a yard. Keep a realistic budget in mind, and skip the major projects (such as a new driveway) unless absolutely necessary.

2. Clean, clean, clean!

The power of a good cleaning job, inside and out, can’t be emphasized enough. Start outside the house after staging the yard. Pressure washing the walls and cleaning the windows is a good start. 

If repainting is being considered, try cleaning first to see how the home looks. Often just removing dirt is enough to brighten the home’s look.

Inside the home, homeowners need to get into every corner and crevice to remove dust, grime or dirt. The places people will be most impressed by the work are the kitchen and bathrooms. The more “new” the house looks, especially in those rooms, the better the impression on buyers.

Why all the hard work? Buyers like move-in condition and will pay more for it.

3. Remodel or upgrade?

The best returns come from the smallest improvements; new trim (door and window casings, baseboard, crown molding), new paint and new flooring all create a fresh new look around the home at minimal cost.

Stepping up from that includes upgrading appliances, fixtures (lights, faucets, etc.) and replacing windows. These will all make the home look newer and nicer, which helps the home sell faster.

Major remodeling, such as replacing the kitchen or bathrooms, should only be considered if necessary. Although doing major upgrades will help a home sell faster, the time it takes to do the upgrades could be long.

4. Declutter and stage the home

All the “little stuff” sellers have around their house, including collectibles and photos, should be put away.

After that, look at each room and see whether there are extra pieces of furniture that could be removed. The key to decluttering is, less is more.

Buyers want to see large rooms where they can visualize living there. The more stuff they have, the harder it is to visualize.

Decluttering makes rooms feel larger, which makes the home more appealing to buyers.

Staging is often ignored or dismissed by agents as not important, most often because of cost. However, buyers and sellers, and their agents, all feel that staging increases the value and appeal of a home.

Equally important is how well a staged home shows in photography. As with curb appeal, the better the home looks inside, the faster it will sell.

5. Use professional photography and marketing

Use a professional photographer and produce professional marketing materials with the high-quality photos. All too often consumers don’t question the quality of the photos used to market the home.

With over 90% of buyers doing their home shopping online, professional photos are essentially attracting more buyers and selling the home faster and at a better price.

Good marketing makes a huge difference in how buyers see a home. Professional photos will be seen by buyers through the MLS and consumer real estate portals. All of which are designed to get buyers to fall in love with and buy the home.

6. Price effectively

A good agent will analyze recent sales and select a price that is designed to entice buyers to make offers. Pricing a home is not like pricing a car or TV. What the buyer ultimately pays is rarely what the list price is.

In most markets, the best strategy to attract the most buyers is to price just a bit low. This frequently results in multiple offers, competitive bidding and a fast sale than at a high price.

The reason this works is that the lower price makes the home visible to more buyers and appears to be a bargain. When this pricing strategy is combined with all the steps mentioned above, buyers see a beautiful home in excellent condition at a great price. Of course, they want to write an offer!

Make it happen!

Ultimately, the three key factors in making a home sell faster are cleaning and/or remodeling, staging and professional marketing. As a homeowner, doing all three will maximize both the speed of selling but also price. Although pricing is absolutely critical, the price offered by buyers will be driven by the other three points.

Source: InMan News






Improving Curb Appeal

Curb Appeal

Updating landscaping and improving curb appeal of a home gives prospective homebuyers an immediate positive impression. In fact, Texas Tech Universety Reaserchers found that improving a home’s curb appeal can increase its value by as much as 17% in a study earlier this year.

Curb appeal improvements can be as simple as adding furniture to a front patio or updating the front and garage door. Another essential and fairly simple update for home sellers is adding modern and stylish lighting outdoors, which is especially important during the late fall and winter months when more buyers are visiting at night time.

Lawn Starter recently compiled the 50 largest metros in the U.S., measuring the amount of local professionals in lawn care and landscaping as well as local home price trends.

Miami-Fort Lauderdale ranked no. 1 in Lawn Starter’s study,

To come up with the scores, Lawn Starter measured eight different factors, which were weighted equally and combined to come up with a final score.

  • Painters per 1,000 jobs
  • Roofers per 1,000 jobs
  • Real estate professionals per 1,000 jobs
  • Lawn care specialists per 1,000 jobs
  • Landscape architects per 1,000 jobs
  • Handymen per 1,000 jobs
  • Home price increases annually from Q4 2014 to Q4 2015

Miami had an overall score of 7.93 out of 9. Annual prices increased 7.9%, and the city has a consistently high number of works that can help improve a home’s curb appeal. Orlando, Jacksonville and Tampa-St. Petersburg also made the list.

Riverside-San Bernardino ranked no. 9 on the list with an overall score of 6.43, and San Francisco-Oakland ranked no. 10 with an overall score of 6.35.

Other than Denver and Seattle, all the cities that made the list are known for their warm or mild weather year-long. This trend is pretty unsurprising given outdoor work is available all throughout the year instead of a few select months.

Even in areas of the country that have easy access to professionals that can do the work for home sellers, you may still feel reluctant. Here are a couple of simple tips to improve curb appeal that can be done on your own.

Go beyond green

It’s simple: add some flowers. Colorful perennials and annuals are a quick and simple way to add a bit of vibrancy to a yard. Go with whatever is in season. Flowers can either be planted right into the ground, or to add a bit of dimension and texture, home sellers can use planters.

Clean it up and keep it simple

Yards with a lot going on may appeal to some homeowners, while others immediately see the amount of time, work and money that go into its upkeep. Make sure your home sellers are aware that even though they love yard work, not everyone does.

When picking flowers, plants and shrubs to add to the landscape, keep in mind the amount of work that will be needed to keep up during the home selling process and for the new buyers.

Source: InMan News

Improving Curb Appeal

Homeowners Insurance vs Home Warranty

Home Insurance vs. Home Warranty

What is the difference between homeowners insurance and home warrant coverage?

Insurance and home warranty companies say it’s one of the most common questions they receive.

Simply stated, homeowner’s insurance protects homeowners by covering the cost of rebuilding or repairing structural damage caused by a fire, storm, or other natural disaster or calamity. If there is a mortgage, the lender will require that the homebuyer obtain adequate “hazard insurance” to protect the bank’s financial interest in the home. Most homebuyers also opt to purchase protection that covers damage to, or theft of, a home’s contents or the homeowner’s personal property, liability coverage in case a third party is injured while on the property, and so-called “riders” that cover damage from specific catastrophic events, such as earthquake and wildfire, or specific valuables, such as art, jewelry or collectibles. Homeowner and hazard insurance premiums often are paid along with the homebuyer’s monthly mortgage payment.

home warranty, on the other hand, is a service contract designed to protect homeowners’ budgets from having to bear the entire cost of repairing or replacing major components of home systems and appliances that break down over time due to age and normal wear and tear. A home warranty plan is not a replacement or substitute for standard homeowner’s or hazard insurance. However, many homeowners consider a home warranty contract to be an important complement to homeowner’s insurance coverage.

While a homeowner may never suffer a catastrophic weather or other calamity during the time they own their home, the systems and appliances covered under a home warranty contract are quite likely to require repairs, or need to be replaced – particularly as a house ages.

Home warranty coverage can help home buyers ease the worries that come with thinking about how they will pay for repairs or replacement of systems and appliances in a home they have purchased. Home sellers, on the other hand, often purchase a one- or two-year home warranty contract [or] plan on behalf of their buyers. In doing so, they also enjoy the knowledge that a covered system or appliance breakdown is the responsibility of the homeowner once a home sale is completed.

Major home systems and appliances that may be covered by a home warranty contract include:

  • Furnace, central heating and air conditioning systems
  • Ductwork
  • Electrical and plumbing systems
  • Water heater
  • Clothes washer and dryer
  • Refrigerator
  • Range, oven, cooktop, built-in microwave
  • Instant hot/cold water dispenser
  • Dishwasher
  • Garbage disposal

Optional home warranty coverage can include a guest unit, swimming pool, spa and related equipment (including salt water pools and equipment), well or septic system pump, additional refrigerators, ceiling fans, doorbells and electric garage door openers, and telephone wiring.

It also may be helpful to think of the difference between homeowner’s insurance and a home warranty this way: Let’s say lightning strikes your home and damages your rooftop air conditioning unit and surrounding roofing materials. Because the damage was caused by a natural event beyond your control, your homeowner’s insurance would cover the cost of repairing or replacing the unit and roofing. However, if your air conditioning unit simply conked out the first day of summer and had to be repaired or replaced, your home warranty contract could help cover this breakdown.

It is important, of course, that everyone understands what events are included in their insurance policy, what coverages are required by their lender, and any dollar limitations to property coverage. An insurance agent is best equipped to provide important information about homeowner’s insurance, while REALTORS®, home sellers and home buyers should contact a reputable home warranty representative to learn more about coverage options.

Source: C.A.R.

Link: Homeowners Insurance vs Home Warranty











6 ways buyers ruin their dream of homeownership

6 ways buyers ruin their dream of home ownership

You’ve gotten pre-approved for a mortgage and are working with a real estate agent, you are officially a home buyer! This is a fun and exciting time in your life, and it can become very stressful if you let it. Buyers sabotage their dream of becoming a homeowner all the time, so here’s a list of what NOT to do if you want to live happily ever after.

Mistake # 1: STAY pre-approved.

So many buyers get pre-approved for their mortgage and assume that it’s good forever. Not all lenders and real estate agents will take the time to explain the complexities that involve getting pre-approved, and therefore do not educate their client about how to STAY pre-approved. Your job, income, debt-to-income ratio, and credit score are all verified in order to determine if you can get a mortgage, and for how much you can borrow. This will be verified numerous times throughout the process, and up to the day you close on a home, so it cannot change! This means:

  • NO new lines of credit can be opened.
  • NO more credit card usage.
  • NO late payments.

And please, for the love of all that’s holy in the world, do NOT go buy a new car or new furniture & appliances for the house you haven’t even bought yet. Wait until you close, and then you can put yourself into as much debt as you want. After all, it is the American way, right?

Mistake # 2: Delaying.

You look online every day at homes, and your agent emails you with new listings that match your exact search criteria. When a home first hits the market, it’s like a shark tank and tons of agents and their buyers are circling it like it’s dinner. If you want to see a house, then you need to jump on it. I know you’re busy with work, or your kid’s baseball practice, or you need to go grocery shopping, or you don’t have a babysitter. The amount of obstacles are endless, but if you really want something, then you make the time to do it! Use an hour or two of vacation time and leave work early, or delay the errands, and bring the kids if you can’t get a sitter. This could be THE ONE, and you can’t see it on Monday and expect it to still be for sale by the weekend, when you have more time.

Mistake # 3: Writing a low offer.

In most areas, it’s a sellers’ market. That means that the seller has the upper hand because inventory is low and they have little competition. This means that YOU, the buyer, have a ton of competition and potentially dozens of other buyers wanting the same house. This is not the time to write a lowball offer, “just to see” if you get it. Your real estate agent will run comps to make sure the home is priced appropriately, and they will negotiate for you on everything from the price, to repairs needed, to the date of closing. You need to trust your agent, and if you really WANT THIS HOUSE, then don’t mess around and lose it to someone else who wanted it more. Homes are worth what a buyer is willing to pay, so that sometimes could be less than asking price, or more than asking price.

Mistake # 4: Asking for too much from the seller.

Even if you write a full-price offer and on paper you look like the perfect buyer, you have to assume there is someone else even more perfect competing for the same house. You may need some help with closing costs, or you may not want to close for 60 days because you have to sell your current home first, or you may want the appliances or items that aren’t included in the sale.

Be careful about how much you ask for, because a seller will weigh all the pros and cons, especially in a multiple offer situation, and not necessarily accept the one that was for the most money. Another buyer may offer $5,000 less, but be able to close in 30 days, not need help with closing costs, and not want anything extra.

In the end, it still nets the sellers more money, and less time waiting. Your real estate agent will help guide you on making the best offer, so trust their experience and advice! If you need help with closing costs, it may be wise to not shop at your maximum approved amount, and you may want to start eating Ramen Noodles and PB & J’s for a while to save money so you don’t have to ask for so much.

Mistake # 5: Nit-picking the home inspection report.

Every home has issues. Not one home on this planet will produce a perfect score on an inspector’s report. A home inspector will give you a thick report that makes it look like this house is about to blow up with all the code violations and recommended repairs. This does not give you the right to go back to the seller and demand it all be fixed, or try to get them to lower the price.

Depending on the severity of the needed repairs, sellers and buyers can work together to get those fixed or replaced if both agree, but a drippy faucet or few missing GFCI plugs doesn’t constitute you wanting $5,000 off the price of the home. The inspections are done for your protection, and so you know what you are getting into.

All homes are sold AS-IS, and it’s your job as the new homeowner to maintain the home and make any repairs needed once you own it.

Mistake # 6: Having Premature Buyer’s Remorse

Once your offer has been accepted, the appraisal is done, the inspection is done, and everything is hunky-dory – STOP home-shopping!

You are weeks away from closing and becoming a homeowner, and you see more new listings pop up that you think are better than the one you’re about to buy. You’ve invested money into this sale already, and you have a legally binding contract, so stop daydreaming about the “what-ifs” that other homes may offer, and focus on the home that is about to be yours. There’s no better deal out there if you got the house you wanted, and it’s passed all the contingencies.

You’re on the home stretch now, so stay patient and if you must shop online, then look for all the new furniture, paint colors, and updates you plan to do. Hoard the ideas on Pinterest or put things on layaway, and DON’T buy anything until you close. This has been a wild ride, and you really don’t want to start all over again!

6 ways buyers ruin their dream of homeownership

Home Improvements That Pay Off

Home Improvements That Pay Off Pic

Here’s a look at this year’s trends for popular remodeling projects and how those projects retain resale value in the Pacific region of the country for mid-range homes.

Entry Door Replacement (steel) – Job cost: $1,366 Resale value: $1,683, Cost recouped. 123.0%

Deck Addition (wood) – Job cost: $11,685 Resale value: $11,828, Cost recouped. 101.2%

Garage Door Replacement – Job cost: $1,756 Resale value: $1,929, Cost recouped. 110.0%

Attic Bedroom – Job cost: $60,675 Resale value: $55.646, Cost recouped. 91.7%

Bathroom Remodel – Job cost: $19,436 Resale value: $16.681, Cost recouped. 85.8%

Window Replacement (wood) – Job cost: $12,489 Resale value: $11.911, Cost recouped. 95.4%

Two-Story Addition – Job cost: $183,801 Resale value: $136,524, Cost recouped. 74.3%

Deck Addition (composite) – Job cost: $17,484 Resale value: $13,995, Cost recouped. 80.0%

Sunroom Addition – Job cost: $83,694 Resale value: $47,488, Cost recouped. 56.7%

Bathroom Addition – Job cost: $45,635 Resale value: $33,715, Cost recouped. 73.9%

Window Replacement (vinyl) – Job cost: $11,465 Resale value: $10,372, Cost recouped. 90.5%

Source: CAR

Link: Home Improvements That Pay Off

10 Unspoken Rules Every Home Seller Should Know

Thoughtful Pretty Mixed Race Woman In Front of Home and House For Sale Real Estate Sign Looking Up a


You’ve been thinking about selling your home. How hard can it be? You just clean the house, take some pictures and put them up online. That’s all it takes, right? Not quite, but you knew that. Here’s what you don’t know but should as a future home seller.

1. Not everything needs upgrading

Door hinges, vent covers, cabinet knobs and light fixtures are good places to spend because they’re small fixes that make a big difference in appearance. Think about other small, easy upgrades you can make.

Focus on above-grade improvements over below-grade. Finishing that basement won’t make a difference.

If you’re not sure about where to put your money, stick to kitchens and bathrooms.

Also, don’t hide your house behind those ugly bushes. Fix the siding. Give your home a fresh coat of paint. Seal the driveway. Make a good first impression because you’ll never sell your home if you can’t get a buyer through the front door.

2. The appraiser won’t save you

If you think you can haggle with the appraiser, you’re in for a surprise.

No matter what you do, you might not get the valuation you’re looking for. The appraiser won’t budge from his or her final assessment and risk losing his or her license for being anything but impartial.

Do what you can to increase the value of your home, but don’t get hung up on it. Chances are, the number the appraiser gives you won’t be the one you were hoping for.

3. Home staging matters; move out — otherwise, declutter

It’s difficult to imagine yourself in a home made up for someone else. It might be your ideal style, but it probably isn’t anywhere close to the buyer’s taste.

Focus on keeping the staging as clean and simple as possible. If it’s going to be difficult keeping things cleaned up, move out. Clutter and mess won’t sell your home.

4. Your window of opportunity is smaller than you think

If you think you’re all caught up, you’re probably still behind.

Have a timeframe for the sale. Put it on the market at the right time-price it right, and your property is guaranteed to sell fast.

5. Planning needs to be done early, and stick to the plan once it’s made

Organize. Prioritize the things that will sell your home, and get them done.

You should also stay focused on the bottom line. Do what you need to do to sell your home for the most profit in the least amount of time.

6. Your listing needs to stay fresh, and don’t worry if it sits

Keep the listing as updated and relevant as possible, even if it seems tedious. It makes a difference, especially if your house has been on the market for a while. It’s only a matter of time before the right buyer comes along.

If you’ve updated your home, make sure your listing reflects those updates, and don’t be afraid to include the small things. So, dig deep! Think hard about how you can make your home that much more enticing to buyers.

7. Buyers can’t stand losing

No one wants to miss out on their dream home. When it comes to life-altering purchases, buyers will do anything to win. Give them that win.

What comments do your neighbors make about your home? They’ve probably mentioned something they liked or wished they had. Use this information to tailor your listing for the right buyer – the buyer who won’t stand to lose out on the perfect home.

8. Home inspections can kill deals; take care of problems now

The home inspection is a headache that you want out of the way as soon as possible. Take care of problems now. Don’t wait. You’ll thank yourself later.

Are you worried about the cost of the inspection? Every home has problems. They’ll almost certainly find something worth the cost of looking, saving you time, money and stress.

9. Don’t worry if it gets to you

Selling your home takes months of work, even before you put it on the market. There are going to be times where you want to say, “forget it!” Those are the times where you need to take a step back, breathe deeply, and refocus.

One day, sooner than you think, the process will be over, and your home will be sold.

10. A professional can help!

Many things that go into selling your home are impossible for someone to know without experience. The pros know the ins-and-outs of the real estate game and will make your life much easier, even if it costs more than you like. This is not a time to be penny-wise, pound foolish.

If you’re dead-set on going your own way, decide if the money saved is worth the time and effort that goes into selling your home.

It might cost you, but what you save in the end makes hiring a professional Realtor more than worth it.

Contact us today, we would love to talk to you about your property.



Source: InMan News