Category: Home Owners Solutions

Short Term Rental Scams

When people hear Airbnb, HomeAway or VRBO, they think vacation. These services connect homeowners who want to rent out a room or their entire house or apartment with travelers who want an alternative to hotel chains.

These short term rentals are used for many other reasons. They are temporary homes between selling and buying a home. They are temporary homes for business trips. They are used as temporary housing for college students.

These types of rentals can also be found on Craig’s list, facebook market page, other social media, etc.

In the last few years there has been a rise in cases of fraud.

Let review some of the most common scams:

  • Fake Rental – One scheme known as take the money and run occurs when a fraudster creates a fake vacation rental listing or website to get money from unaware victims. The pictures are usually stollen from other sites and the property they are advertising doesn’t usually exist. The fraudster will typically ask you to pay the first and last day or sometimes the stay in full. Once they receive the funds they tend to disappear. Usually the victim will not find out they were scammed until they show up at the property (or lack of property).
  • Bait and switch – Another scam is the bait and switch. In this scam, the fraudster shows unavailable properties to lure the would-be renter to a less-desirable property. This is sometimes done in a sneaky way. You may not even know you’ve been scammed.
    • Imagine that the short-term rental owner calls you the day of check-in. You are informed that the previous guest had flushed something down the toilet, which had left the unit flooded with water. He offers you another unit in the mean time and they will let you know when the flooded unit is available (which is probably never). This other unit is usually not the same quality.
  • Price jacking – You get to the property and it’s the property you expected but you are asked to pay more at the last minute. They may push you to pay by turning on the home’s WIFI, turn off the lights, etc.

In 2019, the median loss of victims who reported rental scams to Scam Tracker was $996. The Apartment List survey found that the median loss was $400, but one in three victims lost more than $1,000.

  • Let’s share the winnings: This is typically a scam targeting the short term rental owner. They will ask the owner to charge a certain amount for a room they never plan on using. In exchange they want the owner to give them 1/2 of the amount charged. If you receive a check that’s for more than the specified amount, return it. Do not deposit it. 
  • Cancelled Booking – The victim will receive an email stating that the home or home is not longer available due to renovations or repairs. You are informed that you will get a refund (which never happens).
  • No showings but give me more info – If you ask to see the property and they either tell you no or they book a tour but end up canceling. At times they will ask you to fill out an application with tons of personal info before they allow you to see the property. They might asked to run a credit check before they show you the property—they might say the property is so popular that they are only entertaining serious inquiries or a similar excuse. Red Flag.
  • Home for Rent – Longer term rentals also experience fraud. Fraudsters will use homes that are currently up for sale (and vacant) and they will list them for rent; normally using the same pictures. Sometimes they even gain access to the home and have copies of the keys. They will collect the security deposit and 1st rent, have them sign a lease, and give the victims the keys. It all looks legit until someone shows up to tour the home and realized that there is someone already living in it!
  • Rent-to-Own – I know this is appealing to some renters but the fact is that there is a lot of fraud in this area. This can be legally done by signing a rental agreement with an option to purchase.
Sample Fraud Communication
  • You owe me money! – On occasions the fraudster (property owner) will contact you after the fact and request that you pay a certain amount for repairs. Take photos and video of a property when they arrive and when they leave.
  • Room for Rent/fraudster tenant – There are fraudsters that are renting rooms in vacant homes or homes that they might have rented legitimately but have stop making payments on their rent. Normally they will try to rent every room in the home within a short period by offering an amazing rate. They will take a deposit and the month’s rent in advance. Shortly after they disappear.
  • No Credit Check – If someone is willing to rent you a home or a room for a period of time, wouldn’t they be concerned about your credit or criminal history? Red flag.
  • You can pay the rest later – If the property owner tells you that you can pay a portion of your security deposit now and the rest later, be careful. This is a way to establish trust and they may only be seeking to steal the first part of the payment.

How can you protect yourself?

  • Reverse image search – If you search the images and you find that they are stock pictures or they belong to another listing, this should be a BIG red flag.
  • Contact number – Search for the property owner’s telephone number. If it turns out to be a google number, this might be an issue. Not to say that all google numbers belong to fraudsters but I’d be on high alert.
  • Map the address – Map the address and make sure there is a property located at that address. Does the home match those in the picture?
  • Read reviews – A lot of times just reading the reviews will cause red flags. Do the good reviews sound strange? Do they use the same wording you found in the ad?
  • Cancellation Alerts – Are there multiple cancellation alerts on a property? Red Flag.
  • Price too good to be true? – It probably is. Red Flag. A guest offering to pay extra for a week because they love your place? Scam! A single traveler renting your five-bedroom house for themselves? Scam! Trust your instinct.
  • Payments – Is the host asking you to take their business off the official site? Red flag. All communications and payments should be handled through the site. If they ask for a money order or wire, backoff and report them.
  • Website – before making a payment look at the website address. Sometimes you are sent a link to an “airbnb” like site but the web address is not correct.

airbnb.com vs. airbnb-bookings.com

  • Owner Search – Search for the property’s owner. Make sure that the person that you are dealing with is the owner.  It will not hurt to ask for documentation to prove the identity of the person you are dealing with. If you find the property is owned by a company, call the company and see what you can find out.
  • Few or no reviews – Red Flag
  • Lease – You are asked to sign a lease before you are able to see the place/room.

More info/Sources:

Discounts on Insurance Policies?

Does it seem that some people are able to get discounts on everything?

There are a few tricks to get better rates on insurance. Insurance companies study the statistics of the general population to try and find indicators of clients that will not generate claims.

What are the companies looking for in a client?

There is some good news! Insurance companies prefer couples over singles. Service careers also are given a discount with many insurance carriers: military, police officers, fire fighters, educators and medical staff. Ask your insurance agent if you are eligible for any discount based on your employment. You will have to provide a copy of a license or employment ID to qualify but some companies give as much as a 10% discount.

Another area that indicates a responsible insured is education level. Any completed education above a high school diploma can help reduce your rate. Trade schools, junior college, bachelor’s degrees, masters and doctorate degrees all qualify for discounts and preferred rates. If you belong to any group, professional organization, or credit union many companies will offer an association discount.

You may be thinking – I do not fit any of those categories. There are other ways so don’t give up. Have you been in the same area for several years? Companies look for people who do not move constantly because it shows stability.

Another way to receive a discount is to either pay the policy in full in advance or put your payments on automatic payments with a bank account or a credit card.

What is an insurance score?

This leads to credit scores and how they can help you. There is an insurance score that is different from your credit score. Your Insurance score looks at your insurance history. Have you had continuous coverage? What is your driving record like? How many claims have you filed, and have you missed any payments? Another rating factor is how many people are on your policies. Believe it or not, the more people the cheaper the policy (per person)!

Young drivers are killer on the cost of an auto policy, however there are ways to soften the blow. All young drivers should complete a driving course taught by a local driving school. Parent taught students pay more for insurance! A young driver should be in an older vehicle and limit their driving to a defined area. The driving telematic devices that are installed in the car to track driving habits are also a way to gain a substantial discount if you are a good driver consistently over time.

Rates do not improve for younger drivers until about the age of 25. The idea that boys cost more than girls is not true anymore.

Do you have questions or would you like a quote for coverage? Just ask! You will find my contact info below.

Blog Contributor

Karen Tannery 

Account Executive

281-712-7272

karen.tannery@goosehead.com

Home Insurance Deductibles and Gambling Bets

Some people look for ways to keep their home insurance costs low. There are ways to do this wisely and other ways are just foolish. A deductible is the amount of money you pay before your insurance company will pay. For the example, the average home is around $250,000. (hypothetically) and a 1% deductible is $2,500 for any claim, 2% would be $5,000 and 5% would be $12,500. What is your gambling tolerance level?

Most people want a low to medium risk – the 1% to 3% deductible range. The cost difference in most homes is minor for the deductible difference. Yes, the higher the deductible the lower the premium, but before you go straight to the 5% or higher deductible look at the cost savings. It is usually not worth the return over about 3%.

It is usually not worth the return over about 3%.

If you are a young couple with little money just feeling lucky to get into a house – keep your deductibles low so that if anything does happen it will not be catastrophic to your family. Older couples who have a little more financial reserve might consider a slightly higher deductible because they could afford to take a hit financially if something happens to their home. You alone know your financial situation.

The “average roof” on our “average home” is about $20,000. So, if you get hit in a hailstorm and you need a new roof what are you comfortable paying out of pocket? Percentages based on your coverage A of $250,000- 1% at $2,500, 2% at 5,000, 3% at $7,500 or higher?

In Texas, most policies have two deductibles: Wind/Hail and All Other deductibles. The Wind/Hail covers damage to your home by weather – wind, storms and hail. This is the most commonly used coverage. It is also the most expensive of the coverages. If you can afford to pay a higher deductible, this is one place you can choose to have a higher deductible for a lower rate.

The downside is that if you need to use your coverage, the cost out of your pocket will be higher. Another consideration is the All Other Perils deductible to reduce the overall cost. This is a much lower impact to the overall cost of the policy. However, selecting a higher deductible will help lower the premium slightly. This deductible is used for theft, fire, and water claims – anything but storm damage. Assess your own financial situation and carefully review the differences in premiums to find the best balance for yourself.

Do you have questions about coverage or would you like to receive a free quote? Contact me at the info below.

Blog Contributor

Karen Tannery 

Account Executive

281-712-7272

karen.tannery@goosehead.com

How much Insurance do I need for my home?

People often wonder how home values are determined for insurance. It is sometimes difficult for buyers/sellers to separate the market value from the insurance value. Insurance value is the cost to replace/rebuild the home. No consideration is given to the land value or the location. You can have a $1,000,000 home to purchase only insurance valued at $487,000 because the cost of the land is not a consideration. The flip can also be true, a house on the market for $220,000 might take $300,000 to rebuild. Simple math formulas must be applied to the home.

Do not skimp on the overall coverage amount and here is why. Before Harvey the average rebuild cost per square foot in the Houston area was about $100. After Harvey the scarcity of building supplies shot the price up to $160 per sq. ft. and the price has only recently started to fall back to about $110 to $120 per sq. ft over two years later. A 2400 sq. ft. house needs to be covered for at least $264,000 to make sure there are enough funds to rebuild the property.

When looking at an older home, consider the risk of old systems and materials that are no longer available. It can be significantly more expensive to insure a smaller older home that has not been updated than a much larger 5-year-old home.

There are two levels of coverage as well, Replacement Cost and Actual Cash Value (ACV). Avoid ACV whenever possible- Why? The insurance adjuster will look at what the property insured is really worth- 10-year-old carpet is worth about $50 per room. No where can you purchase replacement carpet for a room at $50! Replacement coverage is exactly as it states- the amount of coverage needed to replace the insured property. ACV is really no coverage at all.

What exactly is Homeowner’s Insurance?

Insurance can be confusing because there are so many parts. Broken down the foundation of all policies are the same.

Coverage A – the Building – The amount your home is covered for in the event of a total loss. (Should be around $110 per sq. ft.) This covers the structure of the home and anything built in or attached. (Flooring, cabinets, appliances, and the A/C System.)

Coverage B – Other Structures – This is to cover the other structures you may have on your property. (Completely detached garage, a shed, a she-shed, a gazebo, the fence, etc.) This coverage is usually equal to 10-30% of the Coverage A amount.

Coverage C – Personal Property – The best explanation I have heard is this – If you could pick up the house and shake it, everything that falls out is your personal property. Another way to look at this is, if it goes with you when you move – it is personal property. Mathematically the amount is about 40-50% of the Coverage A amount.

Coverage D – Loss of Use – If you can’t be in your home, this pays for you to live somewhere else. Everyone thinks this is for floods or fires, but what if the water line to your home breaks, can you live for weeks with no water? A burst pipe in a kitchen can shut it down for weeks – can you live there if you can’t prepare food? This coverage is usually 10-30% of the Coverage A amount.

Coverage E – Personal Liability – This covers you if you, a family member or something under your control damages or causes harm to someone else or their property. Example – Your tree hangs over into the street. A windstorm comes through and a branch from your tree lands on a brand-new car visiting a neighbor. You are covered. A tree in your yard is blown over and lands on your neighbor’s house doing damage. You are covered. The fence blows over and kills your neighbors pedigreed pet. You are covered. This coverage is incredibly cheap. It is recommended that you have $100,000 more in coverage than the value of your home (Coverage A).

Coverage F – Medical Payments – A child comes to your home and decides to climb a tree which gives way causing the child to fall and break an arm. This coverage will cover the medical bills of the guests and visitors – not your own family.

Additional Coverage A – In response to situation like Harvey, this coverage provides additional funds to repair your home in the event of a disaster which is defined by law as an event that impacts three or more homes. Example- you have your home insured at $110 per sq. ft and another hurricane comes through the Houston area and your home is damaged by wind and subsequent rain- not flooding. The prices of repairs skyrocket and the cost to repair is now $150 per sq. ft. this Additional Coverage A is then available to make sure your home is repaired completely and with equal replacement materials. You will pay additional premium for this coverage, but it is minimal. ($25 to $50 per year on the average policy).

Do you have questions or would like a free quote? Feel free to contact me.

Blog Contributor

Karen Tannery 

Account Executive

281-712-7272

karen.tannery@goosehead.com

Home Insurance – #1 source of claims: WATER

When looking for homeowner’s insurance in Texas, one must look at the #1 source of claims: WATER. Nearly 70% of the claims each year are water related. You may be thinking hurricane and storms, but that is a very small percentage. The four sources of the water claims are:

  • Sudden and Accidental (burst pipe) – This covers a “sudden” water related malfunction
  • Seepage and Leakage – slow leaks that you don’t see right away like the leaking hose at the back of a dishwasher or the discharge line on your a/c system is blocked and is dripping water through the attic into the house.
  • Water back up and Overflow – Water that enters the house through the plumbing caused by issues with the storm drain system and usually heavy rain which pushes disgusting water ruining anything it reaches.
  • Foundation Water Damage Repair – This is coverage that many companies cut or leave out but are the most expensive repairs to the homeowner. Coverage is for the foundation when it is damaged from one of the three water damages or from the repairs in response to the water damage.

Flood insurance is a separate policy and very inexpensive. No homeowner’s policy in Texas covers flood.

Blog Contributor

Do you have questions about home insurance? Feel free to contact me at my information below.

Karen Tannery 

Account Executive

281-712-7272

karen.tannery@goosehead.com

Roof maintenance, attic ventilation and attic leaks

Please note: I am not a home inspector. I am a home owner just like you. Being proactive instead of reactive to repairs can save you money. If you have concerns, a roofer will be able to look at your roof and attic and see if more ventilation is needed.

Deterred maintain in a home can cost you money. Many of items can easy be completed by the home owner. If you don’t feel comfortable, a handyman can usually tackle most of these items.

Attic leaks and lack of insulation (10-12 inches recommended) will make your home less energy efficient which in turn will cost you money in energy bills. 

Insulation makes a big difference in energy efficiency. Before you add insulation, take the time to check and make a few repairs as needed:

  • Attic leaks (attic bypasses)

Attic bypasses are air leaks from your living space into your attic. These leaks occur when wires, pipe and air ducts go through your ceiling and into your attic. This issue will not only allow cold or hot air to leak into your attic but it will also cause condensation; which in term causes moisture issues. These moisture issues will cause mold and wood rot.

Before adding insulation make sure to seal any potential leaks.

  • Attic Ventilation
Imagine source: https://www.nachi.org/blog/2009/10/07/attic-ventilation/

Your attic needs air flow. WHY?

  • Energy efficiency
  • Avoids moisture build up
  • Help maintain the life of your roof shingles and other roof components

This is critical for the home but also for the occupants. Anyone that has ever been in an attic knows how very hot it gets. This heats needs someone to escape to. If the heat is trapped in the attic, it will conduct heat into your home (not energy efficient) and will cause the home to deteriorate faster. You will experience moisture issues that will lead to mold, wood rot, rusty nails, among other things. Keep in mind that termites and carpenter ants love moisture and they thrive in environments like this.

There are two type of roof ventilation:

  1. Passive ventilation: These include ridge vents (at the peak of your roof), soffit vents (in the roof eaves), turbine (vents that driven by wind and penetrate the roof) and gable vents (at the top of a gable). At a minimum you should have a ridge vent and soffit vents. Soffit vents will allow air to enter the attic and ridge vents will allow air to exit the attic (heat rises).
  2. Active ventilation: These are systems that require power to operate. The most common are attic fans and whole-house fans. These fans are typically control by a thermostat. Attic fans are typically mounted to the roof and whole-house fans are mounted to the attic floor and they pull hot air from the living space and exhaust it to the outside through the attic space.

Your general maintenance should include looking for signs of problems. Our roofs are typically composition roof shingle covering wood decking. If the shingles are failing you will normally see signs of moisture on the wood decking. Here are a few things to look for:

Moisture damage or stains. Mold or water stains on wood, wet insulation and rusty nails. Is there a moisture smell?

Ducts must not be in contact with each or lay on top of the joists other or they will create condensation that is prone to mold and mildew issues.

The ducts must be elevated and supported from the rafters

Bowed Rafters

Damaged vent pipe

A dish installed on top of a roof needs to be sealed at the point it’s attached to prevent water damage.

Vents that have come loose and no longer vent outside

Dusty vents block air flow and create condensation and possible mold

Wood rot at facia board

Lifted shingles

Missing Shingles

Damaged roof decking

Tree limbs or vegetation that lay on the roof will allow moisture to accumulate and deteriorate the shingles.

Soffit damage

One of the most common issues that come up during a home inspection is a kitchen, bathroom, laundry, and similar exhaust systems that vent directly into the attic instead of exhausting to the exterior. The moist hot air after a shower will vent into the attic and deposit moist hot air that will lead to wood rot and mold issues.

Source: Family Handyman Magazine

Debris. The vents can only work if they are not covered. Make sure that your insulation is not covering the vents, clean around the vents to make sure other debris and dust are blocking the holes. Over time, soffit vents may be painted and paint might block the holes as well. Make sure to replace or unclog the vents.

Source: Family Handyman Magazine


Sources and more information:

https://www.familyhandyman.com/attic/how-to-seal-attic-air-leaks/

https://www.nachi.org/blog/2009/10/07/attic-ventilation/

https://www.energystar.gov/ia/partners/manuf_res/salestraining_res/HS_diy_guide.pdf


What is a Make-Ready Cleaning?

A Make Ready Cleaning is also known as a Move-In/Move Out cleaning. Normally this is completed when someone is selling a home and moving in or out of a home. Basically you are making the home ready for the next owner (or to market the home). The make-ready cleaning will usually include cleaning and sanitizing the following items:

  • Bathroom (toilets, tub, shower/glass enclosure, sink, counters, and faucet)
  • Kitchen (sink, counters, back splash, faucet and all appliances) 
  • All cabinets and drawers (only for move out or move in cleanings)
  • Ceiling fans
  • Shelves/bookcases
  • Dust all services
  • Baseboards
  • Windowsills
  • Doors, knobs and casings
  • Light fixtures
  • Light switches
  • Air vent covers
  • Mirrors
  • Blinds
  • Flooring (normally an extra fee to include shampooing carpet or grout cleaning)
  • Windows (normally an extra fee)

For a move in/out cleaning all furniture, debris, clutter and other trash must be removed prior to cleaning. This is a clean-only service, not a trash-out service. The house must be vacant and the utilities (water and electricity) must be turned on.

Services that are typically not covered:

  • Remove rust stains
  • Remove Paint or Stains from Flooring
  • Remove Grout from Tile or Walls
  • Wipe Down Walls
  • Remove Mold from the Silicon Caulk Around the Tub
  • Carpet shampooing
  • Removal of pet stains
  • Grout cleaning or steaming
  • Window cleaning
  • Home exterior cleaning/power washing
  • Curtain cleaning
  • Laundry

The cost for this type of service will vary based on the home’s condition and size.

Homeowner Yearly Checklist


 

 
As a courtesy to my clients I like to send them reminders throughout the year that might benefit them. I’d recommend that every home owner do a few things at the beginning of the year:
 
2. Make sure your taxes have all been paid. Go to the individual sites and look up your property address.
3. Apply for any home exemption if you haven’t already. (see below)
4. Consider protesting your taxes. Either doing this yourself or hiring a company that will protest them for you (see below)

Home Exemption
Please be advised that you might qualify for a tax exemption and it’s now time to apply. Below you will find further details on this discount and the link for the necessary forms. If you have any questions please feel free to contact me.

Applications for the Homestead Exemption must be filed between January 1st and April 30th.  The process is easy, FREE and it will save you money on property taxes so don’t delay!  There is no need for you to pay anyone for this service.  Most likely, you will receive offers from vendors that appear to be very “official” offering to file your application for a fee.  You need not pay anyone for this service and the county appraisal offices do not charge any fees.

Please note that In order to qualify for the exemption, you must provide:  A copy of your Texas Drivers license or Texas State ID card.  The address on the license or card must match the physical address to your residence for which you are applying.

Tax Protest
As a home owner you can also protest your property taxes every year. You can do this yourself or you can hire a company to do this for you. Most companies will charge you a fee based on the amount they are able to reduce your assessed property value. In my experience the expense was minimal compared to the benefits.
 
There are several companies out there. Do you research before you hire a company. For your benefit here is a list of companies:
 
Bettencourt Tax Advisors

If you decide to protest your assessed value yourself feel free to contact me to review sales in your area.
 

If you are considering selling your home within the next year or would simply like to know the current value of your home, feel free to contact us today.

Selling your home is one of the most important financial decisions you can make. Normally, one’s home is their most valuable asset. A well planned strategy can minimize the amount of time your home is on the market and maximizes your profits.

I am here to help in whatever manner I can. My services include:

  •      Assistance in Real estate sales and purchases
  •      Real estate home staging advise
  •      Local real estate market reports
  •      Real estate professional referrals (for those moving to another state or country)
  •      Real estate leasing (residential)
  •      Other: do you have a unique real estate issue that you need assistance with? I am happy to work with you to find solutions.

It would be our pleasure to answer any questions, just ask! You can reach at the contact info below.

Ali Palacios
GRI, SRS, ABR, MCNE, TAHS, ASPRE, HARRL, CSMS, SMP
Broker
Happy Clients Realty Group
ali@happyclientsrealtygroup.com
Mobile – 832-418-0670
www.ilovehappyclients.com
 
As you know, the local real estate business is more competitive than ever. If you have any friends, family, or colleagues you could refer to me, I promise to provide them with the same excellent service I gave to you—and I will be forever grateful for the referral!

Request your FREE Home Seller Guide

New Year, New Beginnings

They say that the chance of actually achieving your goals 👩‍💼 is greatly increased when you share it with others and be very specific. 
🌟🌟🌟 Make me accountable and I will do the same back! Let’s help each other achieve our goals for 2020! 🌟🌟🌟
Let me know how I can help‼️ I can be a drill sergeant when needed. I NEED YOUR HELP ON #4‼️🏘❤️😊

 

1. Self-care. Make this priority one. 

✅ I will fuel my body with beautiful, colorful and nutritious food 🥑🍐🥥

✅ I will exercise for 30 mins every day (just move!). I will not focus on a number, just overall health. 🏃‍♀️

✅ I will complete a 5K 🏅

✅ I will meditate for 10 mins every day 🧘‍♀️

✅ I will focus and surround myself with positivity. 

2. Lifework balance

✅ I will share a meal with a friend at least once a month. 👭

✅ I will be more present 

3. Time management ⏳

✅ I will learn to say no. Many times I agree to things knowing I might be tight on time. 

✅ If I commit, I will follow through.

✅ I will use my calendar to schedule both work and personal commitments 📆

4. Professional Goals

✅ I will help 25 families find their dream home! Do you know someone that is thinking about buying or selling a home this year? Introduce us. Help me achieve this goal. 🏠🏡🏘

5. Career

✅ I will obtain my The Certified Real Estate Brokerage Manager (CRB) designation. 👩‍🎓

✅ I will mentor my agents and help them succeed.

✅ I will complete my buyer and seller automation process

✅ I will offer/complete 4 new buyer/seller classes this year

6. Give back

✅ Give back in kindness, time and experience without any expectations.

✅I will offer/complete two classes this year on how to reduce property taxes and make homeownership more affordable.

7. Travel

✅ I will visit one new location this year.✈️

✅ I will re-visit one of my favorite places.

✅ I will plan a “sister” trip and a girl’s trip

8. Declutter and organization

✅ I will clear out the clutter and donate items as needed.

✅ I will get and stay organized. 

9. Be the reason someone smiles today ☺️

✅ Offer at least one compliment a day. 

✅ I will serve and help whenever possible

10. Be grateful

✅ I will write one thing I’m grateful for every day. 

I will check back at months 3, 6, 9 and 12. Yikes! 

Hold me to this!

2020 vision boards

Joy for Kids – Toy Drive Benefiting the Children of Fallen Heroes

Thank you for joining us! Below you will find a copy of all the guides we offered during the toy drive


Home Buyers

Home Sellers

Other Documents