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Blog: Homeowner Information

Understanding Foreclosures

It is an unfortunate commentary, but when economic activity declines and housing activity decreases, more real property enters the foreclosure process. High interest rates and creative financing arrangements are also contributing factors. When prices are... Read more

Underground Heating Oil Tanks

Underground heating oil tanks can pose many potential problems to both home buyers and sellers. They have been the source of many environmental problems such as contamination of surrounding soil and ground water. Leaks are generally caused by the rust in... Read more

Mello-Roos

In purchasing your new home, your future monthly payments will be made up of principal, interest, real property taxes, and insurance. But what is the tax for the Community Facilities District, otherwise known as a Mello-Roos District? The Land Title Assoc... Read more

Mechanic’s Liens

The Mechanics’ Lien law provides special protection to contractors, subcontractors, laborers and suppliers who furnish labor or materials to repair, remodel or build your home. If any of these people are not paid for the services or materials they ... Read more

Living Trusts

Estate planners often recommend Living Trusts as a viable option when contemplating the manner in which to hold title to real property. When a property is held in a Living Trust, title companies have particular requirements to facilitate the transaction. ... Read more

Lead Poisoning

Lead poisoning is a serious problem that can lead to adverse health problems. In children, high levels of lead can cause damage to the brain and nervous system, behavioral and learning problems, slow growth, and hearing problems. In adults, lead poisoning... Read more

Environmental Issues

When purchasing a piece of property, it is important to be aware of any environmental liabilities associated with it. For example, you should find out if there are any registered underground tanks within several miles of the property, known contaminated p... Read more

Condominium and PUD Ownership

Builders, in an effort to combat the dual problem of an increasing population and a declining availability of prime land, are increasingly turning to common interest developments (CIDs) as a means to maximize land use and offer homebuyers convenient, affo... Read more

Common Ways of Holding Title

How Should I Take Ownership of the Property I am Buying? Real property can be incredibly valuable and the question of how parties can take ownership of their property is important. The form of ownership taken -- the vesting of title -- will determine who... Read more

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Testimonials

We worked with Stephaine Ziemann when we recently sold our home. She was always available for a quick question and solid advice. Very knowledgeable about the real estate business. We trusted her input and expertise. The buyers also didn't use an agent so with neither side represented in the traditional sense, partnering with Stephanie helped us navigate the process, stay on track with our timelines and get to the closing table effectively. Stephanie also gave us names of companies for estimates on repairs needed. I would recommend Stephanie. Flat fee brokers are the way to go. Very fair fees and it allows for competitive pricing of homes without having to take into account a potential 6% extra costs to selling a home. Gwyn Garner
Stephanie was easy to work with and ended up making me $28,000 more than I thought I would. "Thank You", Stephanie! Jace Wainwright
We chose Stephanie because she has a discounted price for selling a home and my wife and I thought giving up a standard 6% ownership stake in our hard earned equity was a rip-off. Other brokers charging this promised more and said "You Get What You Pay For". That is nothing but a pile of hogwash because with Stephanie we got more than we paid for. I have owned far too much real estate in my life and used countless brokers charging me the full rate. Not one of them performed and went out of their way to get things done the way Stephanie did for us, including repairs and actually paying for one while we were traveling. Plus I used to be a licensed agent in Hawaii for 7 years, and know first hand that sellers get nothing more for their money using a broker charging 6%. If you can get a huge discount (in our case $8000) and superior service 2nd to none, it makes no sense to use anyone else. Unless you just don't like saving a pile of money! Larry Clutter
Simply Smart is the best way/value for selling houses. Stephanie has the experience to help someone new or the experienced write up a listing, advice on the photo shoot and pricing. I have saved well over $100,000 using her services. Yes I have to deal with the buying realtors but in a way it is in my best interest. Simply Smart is the best. Mike Scobee
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