ABR, the Accredited Buyer Representative designation, conferred by the Real Estate Buyer's Agent Council® (REBAC), confirms an agent's mastery of buyer representation. Agents who have earned the ABR designation have demonstrated experience in buyer representation by completing and closing a minimum of five real estate transactions in which they functioned as a buyer's representative. Two key areas emphasized in ABR training are how to identify potential problems with a property and how to negotiate the best price on behalf of the buyer. REBAC is an affiliate of the National Association of Realtors®.
Less than 5 percent of all Realtors hold the CRS designation.
The Certified Residential Specialist designation, conferred by the Council of Residential Specialists®, recognizes real estate agents for proven experience in marketing residential property. To earn the designation, agents must complete a program of advanced study covering areas such as investment real estate and real estate-related taxes. The Council of Residential Specialists is an affiliate of the National Association of Realtors. It is awarded only to those who complete strict educational requirements, combined with experience and sales results.
The GRI® (Graduate, Realtor Institute) designation is obtained by attending a specific, intensive series of a minimum of 90 hours of classroom instruction, covering subjects in contract law, professional standards, sales and marketing, finance, and risk reduction. The subject matter has been chosen to educate practitioners about local, state and national real estate practices that affect them, their clients and customers. GRI courses are taught by leading real estate professionals from around the country.
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Why You Should Not Buy a Car
So, you got a raise or a "windfall" or a big tax return check.You may find yourself confronted by an the hazardous instinct of we all have that says, "Let's buy a new car".
A few months later your thoughts turn toward buying your own home. Or, if you already own a home you would like to move up to a larger home.
So, you contact a loan officer to get qualified for a mortgage loan. You give the lender the information about your income, how much you have for a down payment, and so forth.
Then you hear some dreaded words: "I wish I could help you, but you have this car payment......."