Home Warranties | Pam Olague

Lockin it In with Deb and Per 29 Sept 2018

Pam Olague, of American Home Shield with Deb and Per

Ever heard of a ‘Home Warranty‘? Should you get one? Explore your options with Pam Olague, of American Home Shield.

At the top of the hour, we’ll be addressing a topic near and dear to our listeners who are veterans—the VA home loan.

About Pam |
Currently an Account Representative with American Home Shield, Pam Olague has a long history in the sales industry. Prior to her 15 years in her current role, Pam had a good 12-year run at Nordstrom before entering the real estate industry as an Escrow Assistant, which she did for 3 years before moving to AHS.

A native of the Northwest, Pam is 30 years married, with 3 kids.

Lockin it In Episode

Title and Escrow | Randi Peterson

This morning, you’ll want to listen in.
This evening, be the hit of the party as you impress your friends with your knowledge of Title Insurance and Escrow.

We’ll chat with Randi Smith Peterson, from Rainier Title.

About Randi
Randi is a Senior Account Manager at Rainier Title & Escrow with the added benefit of having been a licensed broker. Her business is driven by 3 Pillars; Listening – Identifying Options – Connecting Clients to the Solution(s). She is grateful every day for a challenging and fulfilling career, a family that brings her joy and much laughter and a posse of friends who can depend on each other through thick and thin. Life is Good.

Lockin it In Episode

Wholesaling | Penny Russell

WE chat with real estate investor Penny Russell, and her special niche–wholesaling.

About Penny

Penny Russell is a local real estate investor specializing in Real Estate Asset Services for Estate Planners and Executors through local resources like probate attorney’s and Elder care specialists within Pierce County, Washington. She lives and works in Tacoma and has been a Washington state resident over 30 years now.
888-510-4493 • www.indigoinvestors.com

Lockin it In Episode

Movers | Heidi Rinker

Today we enter Phase 4 of the Mortgage loan process: Loan Processing. We’ll talk about what the lender is doing behind the scenes to move your loan approval along.

Moving is time consuming, particularly if you do all the heavy lifting. Our guest, Heidi Rinker, shares with us helpful information about moving companies and how movers work.

Heidi Rinker, Relocation Consultant

After logging over 800,000 miles driving a tractor-trailer with her husband, Heidi began her career with Bekins Northwest in 2000 as a Customer Service Representative. Heidi joined the team with valuable knowledge of the trucking industry and was subsequently promoted into the Moving Consultant role.

Heidi excelled in providing exceptional customer service and building relationships with clients. Following her continual success as a Moving Consultant, Heidi made the transition to Sales and never looked back. With a reputation for thorough product knowledge, attention to detail and the aptitude to treat our clients with integrity, Heidi has continued to be an instrumental member of the Sales team and a valuable resource to our clients.

Capitalizing on her expertise, Heidi specializes in home and business relocations. In addition, she can customize the services of the company and van lines to meet the needs of each client.

A native of Puyallup, Heidi enjoys spending time with her family, cooking, singing and working on her latest home improvement project.

Lockin it In Episode

Credit Repair | Raquel Flournoy

We talk about the mortgage loan application, the Loan Estimate, and other disclosures, and credit repair.

Deb and Per with Raquel Flournoy

With Raquel Flournoy of Credit Optimization Program

Raquel Flournoy

Grew up a military brat from Fort Lewis, graduated from Spanaway Lake High School then attended Seattle U studying accounting.  I married my high school sweetheart and we have to adult children; Sherise and Jordan (26 & 21) plus my furry baby Hannibal.

Majority of my career has been in the accounting / tax field.  I specialized in construction cost accounting when I opened and managed Accounting Pros NW.  I have experience with A paper mortgage lending and Private Lending leverage with land/property.  Budgeting, audit and finance comes natural to me.  I enjoying analyzing numbers.  Real Estate is also a passion of mine.

I started the Credit Optimization Program when I saw a need for consumer credit consulting after the housing market crashed.  Many people and families were affected by this.  There is no government agency that will “audit” a consumer’s credit report and hold the credit bureaus accountable.  The only person that can hold the credit reporting agency accountable is the consumer.

There are great laws in place to protect the consumer but without the audit there is no way to know if the bureaus are following the laws.  COP is making sure the credit bureaus are compliant.

Lockin it In Episode

House Hunting and Homeowner’s Insurance

Today we talk about house hunting with Perrin J Walker (yes, this is our son). He’ll share his experience in the home shopping process.

In the second half, we’re joined by Libby Cruthers, Insurance Agent at Elliott Insurance Group. She’ll enlighten us on the important topic of homeowner’s insurance.

Libby Cruthers has insurance in her blood – her mom has been in the industry since college and Libby started working for the family business in middle school. They currently own and operate Elliott Insurance Group in Lakewood, which specializes in property and casualty insurance (home, auto, business, umbrella, etc.).

Libby is the president of the Insurance Professionals of South King County and is passionate about helping people understand their insurance needs. She and her husband live in Tacoma with their daughter and two dogs.

Lockin it In Episode

Protecting Your Home | Aric Walker

Your later years can lead to the death of an income-producing spouse or a chronic illness which can wipe out your assets. This week, we discuss ways to protect your home should misfortune strike.

About Aric

Aric Walker received his Bachelor of Arts Degree from Brigham Young University in 1991 with a major in Political Science and a Minor in French.   He then worked in finance for over 20 years. As a loan officer, and underwriter he helped people with their mortgage needs. For the past 9 years Aric has focused on helping individuals and businesses improve their long term bottom lines and plan for the future through a variety of unique solutions that are tailor made to each business or individuals’ needs; ie; let’s reduce your taxes forever. Some of these products help the business reduce costs while maintaining great benefits, some reduce taxes and still others of these solutions helps individuals protect, enjoy and or transfer their wealth in the most efficient way possible. This means your money will last through your golden years and will work in the best way possible for you financially.  These solutions come from the areas of health insurance, life insurance and variety of retirement products; some of which are less well known to the general public and some financial and benefits brokers.  His eyes are always out looking for truly great solutions to challenges we all face and how to tailor fit those solutions to each client’s needs and desires.  One of the greatest professional achievements is to give people confidence that their financial picture (retirement) is going to work out and Aric partners with many different professionals in order to give clients the best solutions to all the different areas they are concerned about.  Aric works with The Thomas Group for insurance services and Virtue Capital Wealth Management, LLC for stocks and mutual fund type investments and Aric holds a series 65 license.

In addition to work; Aric enjoys playing drums in a classic rock cover band named “Don’t Tell Mom”.  He is an Eagle Scout and is actively involved in his church congregation and youth groups.  He is married to Lora for 27 years and has a 18 year old daughter, Aurora.  Basketball is another fun activity he still enjoys along with canoeing and camping.

Lockin it In Episode

Home Staging | Leah Nitz

Leah Nitz, Home Stager

Leah Nitz

Lockin’ it In welcomes to the show Leah Nitz, of Constructive Consulting, LLC Home Staging & Redesign. We’ll chat about the fun and creative topic of Home Staging.

About Leah

Peachy pink me

Leah Nitz, Home Stager

I was a Project Manager for 20 years. I learned project management in construction administration building out bank branches. I started as a Project Coordinator and worked my way up, and took training along the way. I loved buying the products for each project and weighing in on design decisions. After the market crash in 2008 everything changed and I became a 1099 contractor taking project management contracts in all different industries and companies from Microsoft to a startup with 5 employees. I have always missed the buying product and space design elements from my past.

In 2012, I started a side business making Cardigan Clip jewelry and now ‘Something Old, Something New’ bridal jewelry to allow me to use my creative side again. I worked full time on the jewelry business for a year.

I have thought about becoming a home stager many times over the years, but something always held me back. This year I decided to go for it! Shortly after opening Constructive Consulting, LLC Home Staging & Redesign, I opted to become certified. The training gave me the answers I need to handle all the tricky older homes in the Kitsap Peninsula area. The ability to help homeowners increase the value of their home by making it more appealing to a wider mass of buyers is so gratifying.

My mission is to make your home a place where buyers aspire to live. I neutralize homes with furniture and accessories but also through paint, flooring and updated fixtures. I partner with home owners to match the needs of the market with the availability of their resources.

Home Staging | Leah Nitz

Carpet | Nick Baker

Saturday, August 4th, we welcomed Nick Baker of VOY Home Services to the show. We chat about the fun topic of carpeting. Nick even read a snippet from his upcoming book.

Deb, Per and Nick

After the show with our guest Nick Baker

BIO | VOY Home Services is a quality centered cleaning company based in Renton, Wa. Customer service is number one to us and our quality is leading edge. We offer carpet cleaning, window cleaning, pressure washing, roof cleaning and gutter cleaning. We are IICRC certified carpet and upholstery specialists trained by industry leaders from across the country.

Nick Baker, VOY Home Services

#realestate #lockinitin #carpet #carpetcare#realestatesherpa #cleancarpet #carpetcleaning #puyallup #wa#tacoma #pugetsound #lakewood #klay1180 #radio

Carpeting | Nick Baker