Richard Stephens, CRB, ABR, GRI, CRS, Broker
Rich Stephens, Realtors
Tulsa, Oklahoma

Professional Designations

ABR

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®.

CRS

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.

GRI

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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Tips For Home Buyers

Purchasing a Home? Some Things You Should NOT Do.

Don't make any major purchases such as a new car, expensive electronics or appliance, or anything else that you cannot pay cash for. The extra payments may prevent you from getting a loan.

Don't move money from one account or investment to another. One of the things a lender is concerned about is the source of funds for your down payment and closing costs. The lender will ask for statements for the last 3 months for all your bank and investment accounts and even your company 401K and retirement accounts.

Lenders like to see what is referred to as "seasoned money", that is, money that has been accumulating in an account over a period of months or years. If your bank account has a large deposit that was made less than 3 months ago they may think the money was a loan from a relative who is trying to help you qualify for a loan. Then you will have to prove where the funds came from which can be a time consuming process.

Please, leave your money where it is until you talk to a loan officer. And don't move a significant amount around without letting the lender know about it in advance.

Rich Stephens, Realtors, 5383 S. Sheridan Rd. Tulsa, OK, 74145 is a licensed Oklahoma Real Estate Brokerage, Richard Stephens, Broker.

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