Benefits of Working with My Team When Buying A Home.   • One year home Warranty.   I offer a one-year home warranty that I can negotiate a seller to provide for you.• Work with a Certified Negotiations Specialist.• New home listings E-Mailed to you.   I will Email you every new home listed that matches your search criteria.• Coldwell Banker Mortgage.   Get Pre-Approved for a home loan before you buy. Same day loan decision.• No Pressure to buy.   I make the home buying process fun, exciting and stress-free, that's why I will    never pressure you into buying a home. • Buyer Services Guarantee.   If for any reason you are not satisfied with the service I provide, you are free to       find another REALTOR®. • All services provided at no cost to you.Visit my website http://www.daniellower... 01/02/2007

Are you thinking about selling your house and you would like to know what your house would sell for in today's Market. Are you afraid to call a Real Estate agent because you fear you might be hassled into listing with that agent? I'm different. I would like to offer you a FREE No obligation market evaluation on the value of your home. You maybe wondering why in the world I would waste my time and energy preparing a market evaluation for you and not even get the listing its simple really. By assisting you with the value of your home I can help maintain the property values for your area. I would also like to ask if you would refer me to the buyers who are not interested in your house.  For More information on my support please Visit my website http://www.daniellowery.com/ 01/01/2007

Are you looking to either buy or sell a home in the Jefferson City Missouri area? Call Daniel Lowery for all your Real Estate needs.                                               Here are just a few of the Services I provide: Buyer & Seller Services Guarantee. FREE Online Home Evaluation. FREE Online Home Listings. FREE No obligation Consultation. Access to all local listings. Visit my website http://www.daniellowery.com/Daniel Lowery, Certified Negotiation Specialist (CNS)REALTOR® Broker/Sales Coldwell Banker Gordon Co. Realtors Direct: (573) 291-1819 Office: (573) 761-3312Email: daniel@daniellowery.comWebsite: www.daniellowery.comWhen Service Matters Call Dan! 01/01/2007

                                                      Jefferson City Missouri Market update.Just thought I would update you on the local market. If you have any questions or would like more information on the Jefferson City Market please let me know. Single Family Homes for the Month of December 061. Active listings...7032. Sold listings...493. Average days on market...784. Average sales price...$134,116Daniel Lowery, Certified Negotiation Specialist (CNS)REALTOR® Broker/Sales Coldwell Banker Gordon Co. Realtors Direct: (573) 291-1819 Office: (573) 761-3312Email: daniel@daniellowery.comWebsite: www.daniellowery.comWhen Service Matters Call Dan!Visit my website http://www.daniellowery.com for FREE information. 01/01/2007

During the Real Estate transaction we can represent our clients in 3 ways.Sellers Agent:Agent represents the seller and promotes the interests of the seller. Agent owes the seller fiduciary duties. Buyers Agent:Agent represents the buyer and promotes the interests of the buyer. Agent owes the buyer fiduciary duties. Dual Agent:The agent represents both the buyer and the seller at the same time. Daniel Lowery, Certified Negotiation Specialist (CNS)REALTOR® Broker/Sales Coldwell Banker Gordon Co. Realtors Direct: (573) 291-1819 Office: (573) 761-3312Email: daniel@daniellowery.comWebsite: www.daniellowery.comWhen Service Matters Call Dan!Visit my website http://www.daniellowery.com for FREE information. 12/31/2006

I have been in the mortgage industry now for 7 years and in those 7 years the most request loan program has always been the 30 year fixed mortgage.In recent years as a result of being exposed to various experts in the mortgage industry it was finally explained to me why so many people seem hell bent on this type of loan program. I going to start this out with a story that was told to me to best represent how people think and why the 30 year fixed rate loan is the answer to most consumers loan needs, or so they think.The “Ham Story” goes like this; a little girl after several years of watching here mother cook dinner for the holiday’s, finally one day asked her mom why she cuts off the ends of the ham and throws them away before she sticks the ham in the oven? The mother responded that s... 10/10/2006

Refinancing your home loan today has been made easier than ever. With the housing market slowing to a more normal pace, lenders for the most part have been reducing or "relaxing" there requirements for a home owner to qualify for a debt consolidation home loan. Many lenders today offer 100% cash out and some even offer up to 125% cash out/debt consolidation based on the current value of the home. In some situations these options may be the only way a client can get there finances under control. The obvious danger here is that after this type of the home loan refinance, if the client is not prepared to make a change in there spending habits or how they are managing there finances then this could be a recipe for disaster.When counseling a client with this type of home loan it is our respo... 10/09/2006

One on the problems we hear about in the mortgage industry is how consumers are continually sucking equity out of there homes to pay off debt.  In 2005 the average credit card debt per house hold was around $10,000.00. I have been in the mortgage industry for 7 years now and have seen the cycle of consumers refinancing every couple of years to consolidate credit card debt. The problem I believe is lack of education. I have found that if you spend the time to work with a client and provide them with the necessary information and show them how they can increase there net worth by managing the equity in there home correctly over time, that it can really make a difference. I personally have clients that once it was shown to them in black and white how much they can accumulate in assets over... 10/06/2006

Jefferson City, MO - September, 26 2006 - Mark Bustamonte has taken a new position with Mortgage Sources Corp as a Certified Mortgage Planning Specialist.Mark Bustamonte was formerly employed with First National Mortgage Sources, LLC. "My leaving FNMS was a decision based on being able to expand my market place and for personal growth" said Mark."As a Certified Mortgage Planning Specialist (less then 1% of loan originators hold this title) it is so important today to work with the client to establish strategy’s for short term and long term financial goals based on present and future life style requirements".Mortgage Sources Corp was recognized in 2004, January issue on INC 500 as being one of the fastest growing companies in the nation.Mark BustamonteMortgage Sources Corp866-840-2240 To... 09/26/2006