Save money with meal planning

Saving money to cover your next home project or a down payment for a future home purchase can be daunting. Planning your meals is a simple way to get started saving.

Meal planning can save the average family of four $50-$200 a week on groceries and eating out. Here are some tips to get started:

  • Plan your meals for the coming week each Sunday and aim to visit the grocery store just once each week. This saves you money and time. 
  • When planning, reuse ingredients so nothing goes to waste. For example, if one recipe calls for just half a bunch of carrots, plan another recipe later in the week that will use the other half. 
  • Check your pantry and refrigerator before making your plan for the week, aiming to use all of your current ingredients before buying new ones. 
  • Plan your meals so that you make enough for leftovers, useful for packing lunches so you can avoid eating out at the office.

Thinking about selling or buying? Contact me for more ideas to prepare for your next step.

Stella Bonin

West USA Realty (Arizona)
Burke Real Estate Consultants (California)
480.797.4884 / 619.250.6214


I am licensed in California and Arizona and I have a great team to serve you with offices around the country.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”

Top 6 Household Items Known To Cause Cancer

In the modern era, we are exposed to many different harmful chemicals on a daily basis. Workplaces and restaurants all have to adhere to certain safety measures to ensure that workers and customers alike are not exposed to dangerous amounts of these substances. However, many toxic chemicals can be found in your home as well. Take a look at the World Health Organization’s statistics on leading causes of death worldwide. It will tell you that the more advanced a country is, the greater your chances of dying of cancer. Advancements have brought down infectious diseases.

1. Air Fresheners

This is believably the number one product that most of the people have in their homes. The Natural Resources Defense Council reported that almost all of the common air-fresheners, even those tagged as being “all-natural” contain chemicals with serious carcinogenic potential. Any household item that contains some type of fragrance or “perfume” has a toxic chemical called phthalate. There are numerous types of phthalates that have different health consequences, but almost all of them have one thing in common — they affect reproductive health. Many of these air fresheners do not clean the air as we expect they will, but they do provoke respiratory problems such as asthma and cancer. As much as possible, choose fragrance free products and make your own homemade air fresheners to avoid phthalates.

2. Hair Color

Many women and a few men wouldn’t dream of consuming anything that isn’t natural and organic, but they have no problem putting cancer-causing chemicals on their heads once a month. Although ingredients vary, most home hair coloring kits contain quaternium-15 – a known neurotoxin, skin irritant, and formaldehyde releaser; diethanolamine (DEA) – a carcinogen that interacts with nitrites to form a carcinogenic nitrosamine; fragrances – a cause of contact dermatitis and a carcinogenic potential; phenylene-diamines and propylene glycol – carcinogens that can cause contact dermatitis. Perhaps it’s time we must decide to stop being partially “natural” and go all the way. Embrace the gray, and let’s age graciously.

3. Art and Crafts Supplies

You probably cannot ideate how something as seemingly nontoxic as a marker can be toxic to your health, but it’s true. Almost all glues, acrylic paints, and the solvents used in marking pens, contain toxic chemicals that have been linked to organ damage, allergies, and certain types of cancer. Although federal law, entitled the Hazardous Art Materials Act, says that art supplies sold must have warning labels if they contain any type of dangerous toxin, however, they don’t need to actually list the ingredients by name. Because of this, you should only purchase products that have been certified by the Art and Creative Material Institute (ACMI). Products that have this certification mean that they have been severally tested so that they are safe enough even for small children.

4. Kitchen and Bathroom Cleaners

We all are aware of those cleaners that are meant to scrub your sinks, tubs, and toilets? The ones that comes in pretty bottles but these are loaded with toxic ingredients such as crystalline silica, which is a known carcinogen as well as an eye, lung, and skin irritant. Silica is a known carcinogen. Some of these cleansers also contain “perfumes,” which, like air fresheners, contain carcinogenic phthalates. Instead of artificial cleaners one can use natural cleanser by mixing some vinegar and baking soda, or lemon juice and baking soda. These will neither endanger your health, nor will scratch the floor surfaces!

5. Hair Shampoos and Conditioners

This should be one of the hottest topics as we all use shampoos and conditioners. But, many people have been unaware of the toxins that are used in personal care items, even those that are labeled as being organic or natural. If you have ever read the labels you might be aware of the chemicals that it contains such as polyethylene glycol (PEG), cocamide DEA, and sodium lauryl sulfate, which make cancer causing agents when they are used together. To avoid the danger you can make your own natural personal care products at home – there are many recipes online that will tell you exactly how to make shampoos and conditioners.

6. Scented Candles

Most scented candles use lead wicks, while lead is one of the most dreadful things for your health. It is used to make the wicks last longer and burn more steadily, but lead is a deadly toxin that infuriate behavior problems and hormone disruption. Hold the wick and try to use it to draw a line on the paper. If you cannot see a smudge or line, your candle probably does not have a lead wick. Paraffin wax also creates highly toxic compounds. Toluene and benzene are both known carcinogens that are released into the air anytime paraffin wax candles are burned. Some candles also use artificial colors and artificial scent, which you inhale whenever you burn one of these candles.


Finding the right agent to work with is key to getting an offer accepted on the home you want or to have your home sold in a short period of time. I have years of experience assisting clients buying and selling homes. Contact me for more information!

Stella Bonin
Associate Broker
West USA Realty
Arizona Department of Real Estate # BR5550696000
California Bureau of RealEstate # 01222569

“Equal Housing Opportunity”

What are discount points?

Points paid to a lender on origination of a mortgage are considered interest that is
prepaid as it has not yet accrued as earned by the lender. Points essentially buy down the mortgage’s interest rate from par for the life of the mortgage. When no points are paid or taken by the lender as a discount on origination of a mortgage, the interest rate stated in the note is the par market rate.

Depending on the purpose for obtaining mortgage funds, points are deductible for income tax reporting, either:

• fractionally throughout the life of the mortgage;
• entirely in the year the mortgage is originated.

The general tax reporting rule for expensing interest, unless excluded from the rule, is that only the fraction of the points paid which accrues each month over the life of the mortgage, called the life-of-loan accrual, may be deducted against that year’s income. In the year a mortgage is satisfied by prepayment, any prepaid interest not yet accrued — undeducted points — may then be deducted.

Excluded from the life-of-loan accrued reporting treatment is interest paid on a mortgage which finances:

• the purchase of an owner-occupied primary residence; or
• home improvements made to an owner- occupied primary residence.

The entire amount of points paid on a mortgage funding the purchase of the home you will occupy — not a second or vacation home — is allowed as a personal deduction in the year the mortgage is originated. This immediate deduction applies to all points paid in connection with the mortgage which finances the purchase or improvement of your primary home.

When your lender pays the points as a discount or an add-on to your mortgage, the points — as prepaid interest withheld by the lender — need to be deducted annually as they accrue over the life of the mortgage.

Your tax preparer knows how to report your points as a personal deduction.

Contact me today with questions about buying a home or listing your home!
I am never too busy for your referrals.

Stella Bonin

Coldwell Banker Residential Brokerage
480.797.4884 / 619.250.6214

I am licensed in California and Arizona and we have offices around the country.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”

Top 5 Cost Effective Ways to Transform your Home

If you’re bored, embarrassed, or just tired of the way your home looks, renovation is usually the first point of call. A lot of people like the idea of renovation, but they are overwhelmed by the costs and the countless options they are faced with. If you want a change, but aren’t sure where to start, these cheap tips will help you transform your home for the better.

1: If in doubt, paint.

Just like changing your hair, painting your home can make you feel new again. Paint is a cheap way to really change the look of your home. I’ve seen houses go from unsightly to stunning with nothing but a fresh coat. It’s an extremely quick and easy remodeling idea. The right shade of paint can really transform your house into a dream home – you could even work in stripes to give your rooms a point of difference.


2: Redo your flooring.

Re-flooring or even just cleaning your carpet can entirely change the feeling of your home. There’s a lot of low-cost tiling options that will fit right in with any home. Laminate flooring is cost efficient, and there will definitely be an option that suits the style you’re going for. There are a lot of tiling and laminate options, so if you’re looking to make your home a bit different, then they’ll be worth checking out. If you’re doing your renovation on a very tight budget, you can resurface your floorboards or rent out a carpet steamer for surprisingly little. With some carpets, it’s like unrolling new life onto your floor.


3: Clean! Rearrange furniture! Get rid of what you don’t need.

Cleaning your home can literally add property value.You can extend the life of your home by years by removing fly spots and keeping the walls and surfaces clean. Scrub down your shower and sink, and reorganize your bathroom cabinet. Why renovate when you can preserve what you already have? Get rid of the stuff you don’t need. Think about the last time you went on holiday. Did you really miss that ridiculous collection of pillows your partner has always wanted you to get rid of? Did you really miss that old coffee table sitting in the corner of your room, that just takes up space and never gets used? No? Throw it out or give it to your local charity store.Every room in the home needs a purpose. If you’re looking to sell, it will help people visualize themselves living in your home. They’ll be able to see themselves being productive in your rooms rather than just using them to store old furniture.


4: Shake your garden up.

The outside of your home is important. Your yard is often the first thing you see when you get home from work, and it’s the first impression your friends have of your home when they come over. Gardening is cheap, and there’s a lot of fun to be unearthed in it.  If you don’t have a yard, a cheap home decor idea is to get some pot plants for the windowsill. Having new life in and around your house can make you feel energized, and there’s a lot of pleasure to be gained from simple rituals like watering plants daily. It’s an easy home renovation idea that doesn’t involve much work.


5: Spice up your kitchen.

If you really want to transform your home on a budget, there are plenty of easy and affordable ways to renovate your kitchen. Wall mounted wine racks and shelves are cheap, they can look sleek, and they’re easily accessible. It’s a weekend home improvement project that can be completed in no time. If you don’t want to replace your cabinets, you can paint them a color that is more suited to the look you’re going for. If you’re going for the full renovation, be aware of any retro gems your kitchen may have. Don’t demolish everything if you think there’s a funky bench top from the 80’s or a cute set of drawers that could fit nicely into your new home.

List your  home now and take advantage of today’s low inventory. 

I will diligently market your property and ensure it’s priced to sell quickly.

Call me today to set up an appointment.

Stella Bonin

Coldwell Banker Residential Brokerage
480.797.4884 / 619.250.6214

I am licensed in California and Arizona and we are a worldwide company to serve your needs.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”

Who pays to cure any safety hazards on the sale of a home?

Safety   hazards   are   an   important   aspect   of ownership a buyer needs to consider when looking into purchasing a home.

Safety hazards typically include:

  • automatic garage doors that do not have a reverse safety device;
  • garage door  openers  that  are  not  installed  with a sensor which, when interrupted or misaligned, prevents the door from closing;
  • a water heater that is not anchored, braced or strapped;
  • window security bars that do not have emergency release mechanisms;
  • the absence of a carbon monoxide detector in a home that contains a fossil fuel-burning appliance, heater or fireplace;
  • a lack of properly placed smoke detectors; and
  • a pool which does not include any of the following:
  1.  a surrounding fence at least 60 inches tall;
  2.  removable mesh pool fencing with a self-closing and self-latching gate that is key lockable;
  3. an approved safety cover installed for the pool;
  4. an up-to-code swimming pool alarm that sounds when it detects accidental or unauthorized water entrances; or
  5.  doors of the residence providing access to the pool that are equipped with exit alarms or a self-closing, self-latching device with a release mechanism placed no lower than 54 inches above the floor.

As with any property defect, sellers are mandated to disclose safety hazards to prospective homebuyers. Sellers make these disclosures when preparing a Transfer Disclosure Statement (TDS).

The seller’s agent also conducts a mandated visual inspection of the property and notes any property defects they observe, including safety hazards, on the TDS.

The seller’s agent hands the TDS and all other seller disclosures and property reports to prospective buyers who show an interest in purchasing the property.

When a buyer submits an offer to purchase, they acknowledge receipt of the TDS and each additional disclosure they have received in the offer. Through the purchase agreement, the buyer negotiates to have the seller correct or pay the costs to bring the safety hazard conditions up to building codes.

If the prospective buyer, chooses not to negotiate for the seller to cure any disclosed defects as a condition of paying the price offered in the purchase agreement, the buyer has agreed to acquire the property “as disclosed” by the seller. Here, the buyer assumes responsibility for curing safety defects.

However, when the seller and the seller’s agent fail to disclose the safety defects prior to entering a purchase agreement with a buyer, the buyer has several remedies:

  • demand the defects be eliminated by the seller before closing;
  • call for the seller to provide a monetary concession in lieu of the repairs;
  • renegotiate the purchase price; or
  • cancel the purchase agreement.

List your  home now and take advantage of today’s low inventory. 

I will diligently market your property and ensure it’s priced to sell quickly.

Call me today to set up an appointment.

Stella Bonin

Coldwell Banker Residential Brokerage
480.797.4884 / 619.250.6214

I am licensed in California and Arizona and we are a worldwide company to serve your needs.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”

FHA Appraisal Guidelines and Requirements for 2018

What Is a Home Appraisal?

When using an FHA loan to purchase a house, an appraisal will need to be done before the loan can close.

A home appraisal is an estimate of the current market value of a property. When a property is purchased or refinanced a home appraisal is almost always required.

FHA Lenders use the appraisal to calculate the loan-to-value ratio of the loan. And to make sure the borrower is not paying more than the fair market value of the home.

This not only protects the borrower but the lender as well.

If you’re a first-time buyer, or seller it’s important you know about the different factors that a home appraiser looks at.

Who Pays for the Appraisal and How Much are they

The FHA buyer will pay for the appraisal upfront before closing. The average FHA appraisal costs are between $300-$500 according to the Uniform Residential Appraisal Report (URAR). If you’re applying for an FHA streamline refinance the FHA guidelines do not require a home appraisal.

Main factors that affect the cost of an FHA appraisal

  • Square footage of the home
  • Property type
  • Location of the subject property
  • How much land is included in the property
  • Homes with extensive damage or repairs
  • The individual or company doing the appraisal

What FHA Appraisers look at

When buying a home using an FHA loan, you will be required to get an FHA appraisal. First, the home appraisal is ordered by the mortgage lender. Next, the appraiser will perform a basic inspection of the property to make sure it meets the HUD property standards for FHA loans. In order for real estate to be classified as FHA approved it must pass the FHA property guidelines set by HUD.

The FHA Appraisal Process

  • Inspect the property’s interior and exterior structure and quality
  • Ensure lead-based paint is not present
  • Check for cracks, leaks, and damage to the exterior
  • Walls and ceilings in good condition without cracks or holes
  • Check the quality of fixtures, plumbing, and appliances
  • Make note of any upgrades that may increase the value
  • Ensure the Landscape is in good condition
  • Check central heating and cooling systems
  • Take photos of the front, sides and back of the home. Along with photos of any upgrades that increase the home’s value
  • Photos showing the condition of the lot
  • Include a copy of the location map showing the comparable sales

HUD minimum property standards 2017

The Housing and Urban Development, or HUD requires the appraiser to check for various health and safety items as well as quality construction items to ensure the property meets HUD’s minimum property requirements and meets the HUD Handbook 4150.2 for hazards and adverse conditions such as:

FHA appraisal checklist

  • Must be a complete marketable property
  • Adequate heating system
  • Clear of any lead-based paints
  • No exposed electric wiring
  • Full exterior walls that are undamaged
  • No hazards in the home
  • Quality construction
  • Proper drainage
  • Quality roof not in need of repair
  • Safe and public access to the home Safe drinking water
  • Crawl spaces must have natural ventilation
  • Gas, water, sewage, and electric utilities available

FHA Appraisal Changes for 2017

The FHA 4000.1 Handbook has made new revisions in the past few years to make sure FHA home appraisals are more accurate. Regrettably, in the early 2000’s there were numerous inaccurate FHA appraisals done that inflated homes values to allow FHA lenders to close a loan more easily.

As a result, HUD has cracked down on this practice and has made some revisions to the appraisal process and minimum property standards (MPS) in the FHA 4000.1 HUD Handbook that went into effect on September 14th, 2015. These revisions must be met to qualify for FHA financing. These include many health and safety inspections.

FHA appraisers are now required to:

  • Ensure all appliances are operational
  • Fully access the attic space is able to do so
  • Check water heater functionality “Inspection” portion is not referred to as “observation”
  • A roof that needs to be replaced within 2 years must be reported
  • Analyze and report marketability of homes in Airport zones
  • Income appraisal approach must be considered. (High priced homes in low-income areas may have a lower market value)

How is the appraised value of a home determined?

An appraiser will determine the market value of a home by looking at comparable home sales in your area over the past 6 months. Next, they will compare the homes square footage, the number of bedrooms and bathrooms, condition of the home, and any special features. This information is included in the appraisal report and sent to the FHA-Approved lender.

How to increase home value for an appraisal

  • Clean and touch up interior walls and repair any damage
  • The landscape should be mowed. bushes and trees trimmed
  • Exterior paint should be in good condition without cracks
  • Clean the home top to bottom and remove all clutter
  • Touch up paint on moldings and doors
  • Open all the windows and blinds to allow more light in
  • Steam clean the carpets and polish tile or wood floors
  • Repair any damaged fixtures, door handles, fans and lights

Home inspections

A home inspection is not required for a home loan. The appraisal the lender receives is enough to show the property meets the FHA requirements. However, an FHA inspection is highly recommended. The appraisal does not check the certain health and safety features such as operating ceiling fans or light fixtures.

Home inspections will be much more in-depth and will point out anything that needs to be replaced, or will need to be replaced in the near future. The average home inspection cost is around $315 depending on the home’s square footage.

Check the HUD website for more information on home appraisals You can find more information on HUD guidelines for appraisals and minimum property requirements for FHA on the HUD website. You can also view the HUD minimum property standards for housing handbook on the official HUD website.

Are you ready to sell or buy a home? I am ready to help!

I will diligently market your property and ensure it’s priced to sell quickly.

Call me today to set up an appointment.

Stella Bonin

Coldwell Banker Residential Brokerage
480.797.4884 / 619.250.6214

I am licensed in California and Arizona and we have offices around the country.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”

A Comprehensive List of All Secretary of State Websites 

When a property you’re interested in is owned by an LLC, quickly find the true owners by finding who’s “behind” the LLC with the appropriate Secretary of State website. This is a complete list of all of them.

Link: is your online link to the Secretary of State offices in every state!

Millennials are better at saving than you think

Saving is an important part of financial responsibility and it is a necessary for down payment funds in a new home. The up-and-coming generation of first-time home-buyers, known collectively as Generation Y or Millennials, do not have the best reputation for financial success.

But a recent report shows this poor reputation may not be entirely deserved, and they do not reserve this bad reputation.

Bank of America surveyed U.S. adults between the ages of 23 and 37 and found:
47% have at least $15,000 in savings in 2017, up from 33% in 2015; and
16% have at least $100,000 in savings in 2017, up from 8% in 2015.
Further, 67% of Millennials surveyed report sticking to their saving goals each month.

What are Millennials saving up for?

an emergency;
retirement; and
buying a house.

Millennials don’t always save together with their spouses or partners. Of the married couples who took the survey, 28% report keeping their finances separate from their spouse or partner.

It’s easy to understand why Millennials are so stressed about saving. They came of age during the worst financial crisis and recession since the Great Depression. Many saw their parents lose homes to foreclosure and many more are stuck with crippling student debt loads taken on during the long recession.

All this stress is paying off in the form of large savings — but is it enough?

Savings remain near historic lows

Nationally and across all adult age groups, the percentage of money individuals set aside in savings dipped to its lowest point in years at the end of 2017, to 2.7% of disposable personal income. The last time savings were this low was when homebuyer confidence was highest, right before the 2008 recession hit.

For comparison, today’s very low 2.7% savings rate is down from the recent peak of around 9% in 2012.

Low savings are the result of several factors working against the savings rate, including:
the inability of renters and homeowners to save as housing costs outpace incomes, and
the lack of interest in saving due to high confidence in the economy.

Further, savvy investors refuse to keep more than the bare minimum in savings accounts. That’s because savings accounts offer a low interest rate — usually around 1% — which doesn’t even keep up with inflation.

Saving alternatives include certificates of deposit (CDs) and bond funds, which offer slightly higher interest rates. These are good ways to save up for a down payment since these require the saver to commit to saving their money for a certain number of months or years before withdrawing and have penalties for withdrawing money early.

For savers with a more diverse set of financial goals, setting up dedicated retirement and college accounts offer higher rates of return, as well as tax benefits.

While overall savings remain low in 2018, Millennials are turning it around. As this generation sets their sight on homeownership, their smart saving strategies today will pay off big for the housing market in the coming years.

Need help navigating down payments? Contact me for assistance on getting the best advice!. 

Stella Bonin

Coldwell Banker Residential Brokerage
480.797.4884 / 619.250.6214

I am licensed in California and Arizona and we have offices around the country.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”

Who is responsible for maintenance of boundary fences and trees?

Most properties have three property lines setting the common boundaries with adjacent
properties owned by others. A fourth property line usually sets the frontage on a public right of way, such as a street.

The location of the common property lines is typically represented by common boundary improvements such as shrubbery or trees. When setting up, maintaining or removing common boundary improvements, the adjacent property owners’ rights depend on the type of improvement.

Common boundary improvements, other than trees, located on a property line between adjacent properties are called party walls.

Types of party walls include:

• boundary fences;

• driveways; and

• ditches.

Owners of adjoining properties are presumed to benefit equally from boundary fences.

Under this legal presumption, all adjoining owners are equally responsible for constructing, maintaining and replacing boundary fences.

The responsibility for constructing, maintaining or replacing boundary fences may be altered or removed only by:

• a written agreement between all affected owners; or

• an adjoining owner’s judicial petition to remove or alter their responsibility.

When trees mark a common boundary, each tree’s ownership is determined by the location of its trunk.

Solely owned trees belong to the owner of the property on which the entire trunk is growing. Trees growing on government-owned parcels, such as a right of
way for streets and sidewalks, belong to the local government, and thus the government is responsible for maintenance.

However, shrubbery or trees whose trunks stand partly on the land of two adjacent property owners belong to both adjacent owners. These trees are called line trees or common boundary trees.

Similar to maintaining a boundary fence, adjacent owners who own line trees are jointly responsible for maintaining the trees and, unless they agree to an alternate arrangement, share equal costs.

To avoid disputes, adjacent property owners need to consider entering into an agreement detailing how they will handle the maintenance of boundary trees.


Are you thinking about selling, or just curious about the value of your home? Call me today for a free home value estimate.

Stella Bonin

Coldwell Banker Residential Brokerage
480.797.4884 / 619.250.6214

I am licensed in California and Arizona and we have offices around the country.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”

How can I prepare for the final walk-through?

The final walk-through of the property you are set to purchase is your last chance to confirm that all agreed-to repairs are complete and that nothing has materially changed since your home inspection.

The final walk-through happens shortly before closing. It will likely take you and your
agent an hour or less to complete. Also, be sure to bring a copy of your home inspection
and final purchase agreement so you know which specific repairs to review.

Here is a list of what to look for when doing the final walk-through:

1.  Ensure agreed-to repairs have been made.

2.  Check that all appliances and fixtures to be included in the home purchase
are present.

3.  Ensure no trash or unwanted items left by the seller are present.

4. Check for the presence of mold or standing water in all the rooms, including
the bathrooms, the kitchen, near the water heater and the laundry room.

5.  Test all of the home’s systems, including the heater, air conditioner, appliances,
garage door and doorbell.

6.  Check the outlets by bringing along your cellphone charger.

7. Walk around the exterior of the home to ensure the landscaping is intact and no
exterior damage has occurred.

Finally, don’t hesitate to ask questions! I will be there at the final walk-through to provide answers and help you if issues arise.

Are you thinking about selling, or just curious about the value of your home? Call me today for a free home value estimate.

Stella Bonin

Coldwell Banker Residential Brokerage
480.797.4884 / 619.250.6214

I am licensed in California and Arizona and we have offices around the country.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”