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Should You Buy a Second Home in Omaha With Your Home Equity?

by Nancy Heim-berg

Equity in your Omaha home can be a valuable tool for building long-term wealth. By strategically tapping into your home's equity, you have various options to capture its value.

For instance, you can use it to pay off higher-interest debt or make home improvements that enhance your property's worth. Another option is to start a business or invest in the stock market, where potential returns may surpass the interest on your loan.

Another question people commonly have is whether or not they can use their home’s equity to purchase another property.

Can You Use a Home Equity Loan to Buy a House?

Yes, a home equity loan can be used to buy a house. However, it may not always be the best choice. A home equity loan is a second mortgage that allows you to tap into the equity you have in your home, which is the difference between what you owe and what your home is worth. It can be a viable option for purchasing a second home or an investment property, but there are important considerations to keep in mind.

The Upsides

When considering using your home's equity to purchase another property, it is important to determine whether you are buying a second home or an investment property. If your intention is to buy an investment property, utilizing a home equity loan can provide you with additional liquidity and potentially reduce costs.

  • Investing in real estate with equity has the following advantages:
  • You can increase your down payment. When you receive a home equity loan, the cash goes directly toward a down payment. Getting a lower interest rate and a lower monthly payment will allow you to be a more competitive buyer in the current market.
  • Since down payment requirements for second homes can be higher, a home equity loan is a more affordable and convenient way to finance a second home.

Your current home is used as collateral for a home equity loan. You benefit from lower interest rates as a result.

Using your home equity to buy an investment property can help you build wealth. It's important to keep in mind that second homes don't generate income like investments. As a result, you'll be tying up your home in a loan, then taking on another loan, so you need to be financially stable.

The Downsides

The downsides of using equity to buy an investment property do exist. These include:

  • Instead of having an asset, you will have a debt. You'll be converting the remainder of the home you own into a loan. This will mean you have a higher debt.
  • If the market shifts, you will be more vulnerable, as you now own two properties. This doubles your risk. You could end up being upside down in your mortgage if your property values decrease.
  • You could lose both properties if you default on your loan.
  • Since most home equity loans are second mortgages, you could end up having three loans, as you have to combine it with another loan to purchase the home.
  • Due to tax code changes in 2018, your interest payments will likely not be tax-deductible.

The conclusion is that using a home equity loan to buy a second home in Omaha can be a great option. You just need to weigh the pros with the cons and decide if the risk is worth it for your circumstances and goals.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

10 Ways to Save for a Down Payment

by Nancy Heim-berg

When buying a home, a down payment is required by any bank or mortgage company. This down payment amount may vary depending on factors such as being a first responder or a first-time homebuyer.

Saving for a home down payment requires a detailed and actionable plan. It is recommended to consult with a mortgage broker or banker to understand available options and identify areas of improvement, such as reducing debt and improving credit score.

Here are some more tips to help you save effectively over the next five years:

  1. Set a specific savings goal: To determine the amount needed for a down payment, it is important to break it down into monthly or yearly targets. This will provide a clear idea of the specific amount that needs to be saved each month.
  2. Create a budget: Take a closer look at your income and expenses to find areas where you can cut back. Track your spending, prioritize essential expenses, and say goodbye to unnecessary or excessive costs.
  3. Automate your savings: Take control of your savings goals with an automatic transfer from your checking account to a dedicated savings account. By setting up this simple system, you'll ensure that a portion of your income is saved before you have the chance to spend it. Don't let your hard-earned money slip through your fingers.
  4. Reduce debt: Take control of your financial future by tackling high-interest debt head-on. Whether it's credit card balances or personal loans, paying off these debts will not only free up more of your hard-earned income for saving, but also improve your credit score. And a better credit score means a better chance of securing a favorable mortgage rate.
  5. Increase your income: Whether it's taking on part-time gigs, diving into freelance projects, or starting your own side business, there are endless ways to earn extra money. And the best part? You can channel these additional earnings straight into your down payment savings, bringing you closer to your dream home with every dollar you make.
  6. Cut back on expenses: Take a closer look at your monthly expenses and find opportunities to trim costs. Think about scaling back on discretionary spending for entertainment, dining out, subscriptions, or shopping. By doing so, you can free up more funds to contribute to your down payment fund.
  7. Save windfalls and bonuses: When unexpected money comes your way - whether it's a tax refund, a bonus, or a generous gift - don't let it slip through your fingers. Instead, consider putting a significant portion of it into your down payment savings.
  8. Housing assistance: There are a variety of local, state, and federal programs available to help you reach your goal of homeownership more quickly. Take advantage of these programs today and make your dream of owning a home a reality.
  9. Invest strategically: If you have a longer time horizon, it's a great opportunity to explore low-risk investment options such as bonds or index funds. These options can help you grow your savings while minimizing potential risks.
  10. Monitor your progress: Regularly monitoring your savings growth is essential to financial success. By assessing your progress, you can make any necessary adjustments to your strategy. Remember to celebrate milestones along the way to keep yourself motivated. Even if you've cut back on eating out, treat yourself and your spouse to a nice dinner to celebrate reaching a savings goal of $20,000.00. Discipline deserves reward!

Saving for a down payment requires time and discipline. It's not easy, but if you want it bad enough, you have to stick to your goals and plans with unwavering determination. The good news is that the payoff can be tremendous. By following these tips and staying committed, you'll be on track to achieve homeownership in no time. Start saving today and make your dream a reality!

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Is it Better to Buy a Home in Omaha with Cash?

by Nancy Heim-berg

It's common to hear the term "all-cash buyer" during real estate shows. It's often used as a way to sweeten a deal, but what's the reality? You can buy a house in Omaha with cash or with a mortgage, and each has its own pros and cons.

Buying a House with Cash Is Increasingly Uncommon

You're in the minority if you're able to buy a house with cash. Considering the median home sale price is in the mid-300,000s, most people cannot afford it. In 2020, the National Association of Realtors' Profile of Home Buyers and Sellers estimates that around 87% of home buyers finance their purchase.

There is no requirement that you show up with a suitcase full of cash if you have enough savings to buy a home outright.

What it means is that you're not getting a loan. The money may come from savings, the sale of another property, or the use of investments.

The Upsides of Paying Cash

If you can pay cash for a home, there are undoubtedly some benefits, including:

  • Sellers find you more attractive as a buyer. Right now, this is a big deal. Omaha has a limited inventory of homes and a high demand for them. Bidding wars are inevitable. When making an offer, paying cash can help you be more competitive. That’s preferable to sellers because then they don’t have to worry about what happens if your mortgage financing falls through. A cash-only transaction is also usually faster, so you can get to the closing quicker, which sellers tend to like.
  • You don't have to worry about mortgage payments when you buy a house in cash, but you also won't be paying the interest and fees associated with a home loan.
  • Omaha home buyers who pay cash have lower closing costs because they aren't paying fees associated with mortgages like lender fees.
  • It's not just the seller who benefits from a faster closing. It’s advantageous for the buyer as well. You might be able to close on a home within a week of your offer being accepted. If you buy with a mortgage, it can take a month or more.
  • Once you close, the home really is yours. You don’t have the fear of not being able to make the payments and subsequently losing your home.

The Downsides of Paying Cash

There are a few cons of paying cash for a home that you do have to think about as well.

  • There is no liquid money in your account. Your cash won't be easy to access if you use it all to buy a house.
  • If you invest your money in something other than a house, you could make better returns.
  • The mortgage tax deduction will not be available to you. Your taxable income goes down when you itemize deductions for the first $750,000 of mortgage interest.

Talk to a financial professional before buying a house in cash if you're weighing the option. You can discuss all the different scenarios and how that choice could affect you.

Of course, if you’d still have money in savings or investments after buying a house with cash, then it might make the decision easier.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Making Your Move in Omaha as Simple as Possible

by Nancy Heim-berg

Are you buying a home in Omaha or plan to sell your Omaha home? If so, you may be dreading the moving process. To be honest, it's never easy. But there are ways to make the process go more smoothly and with less stress. Here are some tips to help your nest move a successful one.

Plan as Far Ahead as Possible

When planning a move into a new home, it is important to start several months in advance of the actual move-in date. For long distance moves of several hundred miles or more, planning should begin at least twelve weeks in advance. This involves creating a moving timeline, hiring necessary movers or professionals, and notifying the post office and utility companies of the final move-out date. Proper planning ensures a smooth and stress-free move.

Don’t Do Everything on Your Own

Hiring professional movers is a wise decision as it saves you from doing the bulk of the moving work yourself. In addition, it guarantees the utmost safety for your belongings during the move. Professional movers are highly experienced and know the exact ways to transport your belongings from your old home to your new home with the highest level of care while working as quickly as possible. This ensures that none of your possessions get damaged during the move. Moreover, having professionals handle the move makes it faster and smoother overall compared to doing everything with just your friends.

Hiring additional movers can simplify your move. A reliable vehicle shipping company can transport multiple cars safely and efficiently. This enables you to keep your family together in one car during the move, or you can opt for a comfortable plane or train ride.

When planning a move, it's important to be cautious about who you hire to assist you. Before making any decisions, take the time to research moving companies online. Look for positive reviews on sites like Google and Better Business Bureau. Once you've identified potential Omaha companies, request quotes from each of them to compare prices. Don't hesitate to call and ask any questions you may have. If the company is friendly and able to answer your questions truthfully, they may be a good fit for your move.

Unclutter

Before your move, it's important to downsize your belongings. Take the time to go through everything you plan to bring with you and get rid of anything that you no longer use or need. If you have the budget, consider hiring a professional organizer to help you get everything in order before moving day.

Uncluttering before moving can greatly speed up the process. By reducing the number of items to be packed, transported, and unpacked, the entire process becomes more efficient. Packing fewer items takes less time and can be done more quickly, ultimately making the move faster.

Pack Methodically

It is important to prepare for a move in advance by gradually packing and labeling boxes by room. Rushing to pack everything in a short amount of time is not recommended. Prior to packing, it is helpful to declutter. Labeling boxes with their contents and designated room will simplify the unpacking process and ensure that items end up in their proper place.

To simplify packing during a move, it's worth considering using different types of boxes for different items. For instance, old beer boxes with handles can be useful for packing books. Additionally, packing smaller yet heavier items in rolling backpacks can make transportation easier. Rolling these items instead of carrying them can save time and energy.

When moving, the bottom line is the be as organized and prepared in advance as possible. Get professional help as much as you can afford to. Doing so will ensure your next move will go as smoothly as possible.

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Choosing the Right Construction Company for Your Omaha Home

by Nancy Heim-berg

Are you looking to buy a home in Omaha? If you are looking for something unique or looking to customize your home, new construction could be the best choice. Before beginning the project, however, it is important to carefully select a building company that can bring your vision to life. Consider researching and comparing reviews of local contractors to determine which one can provide the highest quality service for your specific needs.

Important Factors to Consider in a Construction Company

These are some of the most important factors to consider when choosing a construction company in Omaha:
 
  • Commitment to safety. When undertaking new construction projects it is imperative that safety be the paramount priority of any organization. Ensuring compliance with all applicable laws and regulations, having comprehensive insurance and taking every feasible measure to ensure the safety of all workers greatly avoids potential issues on multiple levels. Firstly, there is a moral responsibility to prioritize safety over other aspects of a project. Additionally, there is an economic logic; by prioritizing safety companies drastically reduce their chances of experiencing delays due to accidents. Furthermore, employee morale and thus productivity often increases when employees feel secure in their work environment.
     
  • Areas of specialty. What are the areas of expertise and specialty held by this construction company? Are they competent at building the type of house you want?
     
  • Options and customization potential. How many options do you have when building a house with this company? Increasingly, construction companies are trying to streamline the design and preparation phase, relying on templates and simple modules for customization. If you're looking for something more unique, you'll need to find a construction company that can accommodate you.
     
  • Past work/portfolios. How many houses has this company built? Can you tour some of them? What are the strengths and weaknesses of these houses, as you see them?
     
  • Ratings and reviews. It's important to weigh in the opinion of past customers when considering a construction company. Be sure to read all customer ratings and reviews, as they can provide valuable insight into their experiences with the firm. Are there mostly positive or negative critiques? What are some of the most consistent compliments and complaints? Careful analysis of client ratings and reviews will help you get an informed sense of the quality of work this company does.
     
  • Pricing and payment schedules. Cost is an important factor when choosing a construction team—some may be pricier than others, for a number of reasons. Make sure to take payment schedules into consideration, too: What are the respective amounts and due dates?
     
  • Timelines. When building a new house, the typical timeline is 7-8 months from the point of obtaining permits to completion. However, it is important to note that this duration may extend or shorten depending on a range of factors. Be sure to clearly establish an understanding of the timeline and associated variables before starting the construction process.
     
  • Contractors and subcontractors. When it comes to a construction project, it’s important to understand who is handling the work. The construction company no doubt relies on both its employees and contracted subcontractors as needed for each job. It's critical that the work meets quality standards, so make sure you know more about any contractors or subcontractors before committing; be sure to ask for references and reviews from previous customers. Additionally, ensure that all parties are properly insured and licensed so you can have confidence throughout the building process.
     
  • Customer service. Client satisfaction is vital to ensure successful communication, organized progress, and an overall positive experience. Are you assigned a project manager for this process? If so, does this individual make themselves available as needed and respond to your queries objectively and truthfully?
     
  • Terms and conditions. What other terms and conditions apply to this contract with this construction company? Do they make any assurances or guarantees? What happens if they can’t meet the original timeline? Will the price increase if the cost of materials increase?

Other Important Tips

There are some other important tips you'll want to keep in mind when shopping for a new home construction company.
 
  • Set your priorities in advance. What are your biggest priorities when buying a house? You should know what these are long before you start looking for a construction company. For example, do you have a strict budget that's going to limit your options? Or are you willing to extend your budget if it means completing the house by a certain date?
     
  • Shop around. Don't go with the first construction company you encounter. It's important to shop around and review many different options so you can properly evaluate each.
     
  • Take your time. This is a huge decision, and not one you can afford to rush. If a construction company representative tries to pressure you into finalizing a deal before you're ready, push back.
Constructions companies have a variety of incentives to build houses quickly and efficiently. It's important to take time and do your due diligence when researching potential contractors so that you can choose the one best suited for your particular needs. Taking the time to research will give you peace of mind in knowing you've made the best choice for your new home.
 
Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

Is this Cooler Market Good for Buyers?

by Nancy Heim-berg

After a red-hot real estate market during the pandemic & subsequent months, rising interest rates have cooled the chaos. But does that necessarily mean bad news for buyers? Maybe not, here’s why.

When the housing market skyrocketed, many would-be homeowners found themselves in a position of being unable to buy due to tons of cash offers and bidding wars that went sky-high, most-often thousands of dollars above asking price and almost always all contingencies waived. With interest rates rising, home prices are now edging down. 


In a recent Bloomberg article (October 2022) by Teresa Ghilarducci titled “Looking to Buy a House? It’s Not the Worst Time to Buy” she states “Buying an asset when the price is falling is generally a good thing. Buying a home now when mortgage rates are high and housing prices are falling means as mortgage rates stabilize or even drop, your house value will more likely inflate than if prices were rapidly increasing and mortgage rates were increasing. Rising mortgage interest rates and a potential recession may seem like bad news, but these trends could benefit would-be home buyers by cooling demand and dropping prices further, especially if the buyers are confident, they won’t lose their jobs and income.”  She further explained “Of course, a would-be home buyer must consider other important criteria besides housing prices before buying a house. Other important decision factors include having at least 20% for a down payment; whether you will live in the property for more than five years; and whether your monthly payment will be lower than 30% of your gross income.”

Although some may feel that buying a home while inflation & interest rates are higher is less than ideal, it may be a perfect time if you can afford it. You will avoid the bidding wars that kept so many buyers out of the market previously and you can refinance when the FED lowers interest rates, which some experts predict will start happening in 2023. 


If you’re considering a home purchase, or have questions about buying in this new market, please reach out and schedule a time with us to discuss your needs, options, and homes available to you.


Nancy Heim-Berg and The Heim-Berg Team
402-677-9024

What is a Principal Only Mortgage Payment?

by Nancy Heim-berg

Today more than ever we are all looking for ways to save money and one of our largest expenditures is our mortgage. While monthly budgets can get tight, utilizing a little extra money to pay down our largest expenditures can pay off BIG in the end. Here we’re going to look at ‘principal only’ mortgage payments and the effect they can have on your finances.

When you purchase a home and secure a mortgage through a lender, you are paying several components of that mortgage.

  1. The principal- the amount of the loan needed to purchase the home.
  2. Interest on that loan- a monthly interest payment calculated on the interest rate accessed to the loan.
  3. If you put down less than 20% you are also paying PMI (private mortgage insurance)
  4. Property taxes
  5. You may also have your Homeowners Insurance tied into the loan as well and pay a monthly premium for that.

These 5 components make up your monthly mortgage payment. However, the principal component of the mortgage represents the amount of equity you accrue each month and essentially ‘buy-back’ from your mortgage lender.

If you currently have a 30-year mortgage, and never make any additional payments, it will take you 30 years to pay off the mortgage in full and pay the full amount of interest associated with the mortgage. For example, a $350,000 loan with a 5% interest rate would be $17,500 a year paid in interest alone!!!

By making a principal-only payment, in addition to your monthly mortgage payment, you are paying down the principal amount of your mortgage faster. If you were to pay a $100 principal-only payment today at the 5% interest rate, you’ll save $332 over 30 years. Now imagine doing that every month, or more if you can. It will put equity in your pocket much quicker, pay off the principal and loan faster and save you thousands of dollars in interest over the course of your loan.

Please don’t confuse making additional mortgage payments with a principal-only payment, as they are very different. If you choose to start making principal-only payments- in addition to your regular monthly mortgage loan payment, we suggest you call your lender and have them walk you through the process, so it is done correctly, and the monies are applied appropriately. Remember, a principal-only payment NEVER takes the place of your regular monthly loan payment. That must always be made monthly and on time. This would be an additional payment to help pay down the principal amount of your loan. Any questions regarding your loan should ALWAYS be directed to your lender.

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Are you looking for a home in the Omaha area right now? Our team is ready to be our local experience knowledge and expertise to work for you!  If you’re ready to begin the exciting home-buying journey, reach out!  The Heim-Berg Team- 402-677-9024

 

 

5 Things You Should Avoid When Buying A House

by Nancy Heim-berg

5 Things You Should Avoid When Buying A HouseIf you are starting the journey of buying a new house the excitement of what’s to come can be all consuming. Everything from interior design to landscaping to paint colors - a whole new world is in your future. 

However, you have to remain practical and keep in mind that the first big step of the process is getting pre-approved for a mortgage, and your actions prior to the lender agreeing to fund the loan are important. Knowing this, we have listed five things you should avoid doing up until closing day. Let’s dive in:

-Because overusing credit can be a red flag, you want to make sure to keep your available credit as high as possible - which means keeping low balances on any lines of credit you have open. Essentially, you don’t want to buy all new furnishings for your new home before your loan closes.

-Making mysterious deposits or withdrawals is another action you want to avoid as the lender will keep a close eye on your bank statements during the pre-approval and underwriting process. There will need to be an explanation for unusual activity so it’s best to avoid large deposits or withdrawals that don’t normally take place. 

-Being late with bills before closing can really hurt you, and potentially even ruin your deal. Some lenders will require 12 months of consecutive on-time payments in order to qualify for a loan as roughly a third of your credit score is comprised of your payment history.

-It’s best to avoid co-signing a loan and making yourself financially liable for someone else’s debt during the loan process. Lenders will see this as another financial obligation which will be a factor when they determine your ability to take on a mortgage. 

-Changing jobs is another action you shouldn’t take during the approval process because lenders want to see reliable, stable income. Job-hoping can create hurdles for you and raise red flags. 

 

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6 Things To Do After Buying A New House In Omaha, NE

by Nancy Heim-berg

6 Things To Do After Buying A New House In Omaha, NEBuying a home in today’s crazy real estate market is no small feat. If you recently closed on a house, first off congratulations! But don’t get too complacent just yet. There are a handful of things you should do immediately upon moving in. We have broken those actions down below - let’s dive in: 

1. One of the first things you want to do after moving into your new home is to change the locks. There is no way for you to know how many people currently hold a key to your new abode so it’s best to be safe and change all the locks on the doors. Also, it’s always a good idea to make and hide a spare key somewhere outside in the event you lock yourself out.

2. Another task is to check the batteries in the smoke detectors to ensure they are working. As a lot of smoke detectors only last for about ten years or so, it’s also a good idea to check how old they are and if there is a warranty. Additionally, check if the smoke detector had a carbon monoxide detector built in. If not, that should be your next purchase! 

3. Connecting the utilities is another important step to take (ideally) before moving into your new Omaha, NE home. Utilities such as water, electricity, and gas are essential to have working as you get settled in. You can check with your local providers to get an idea of what the process looks like, how far in advance you need to schedule the turn-on, and the type of residence verification you will need to provide. 

4. Once you are a bit more settled in, you will want to go over the inspection report to review what repairs were noted and need to be completed. While major repairs were most likely negotiated during the contract phase, other minor ones will likely be your responsibility. List them in order of importance and make time to tackle each one. 

5. Your new home will require regular maintenance and cleaning so creating a schedule of what needs to be completed each month will help keep you organized and on track. These tasks include cleaning the gutters, completing pest inspections, emptying the hot water heater, winterizing your home, cleaning air filters, and more. Regularly maintaining your home is the key to maintaining its value for the future. 

6. Lastly, get to know your neighbors! There is nothing better than having a great relationship with the people living around you and now is the perfect time to introduce yourself, your family, and any furry four-legged family members you have. 

Happy memory-making in your new home!! Enjoy.

 

Be sure to check back each week for more real estate and Omaha, NE community information! Also, are you following us on Facebook? If not, be sure to check us out here! 

What You Need To Know About Appraisal Contingencies

by Nancy Heim-berg

What You Need To Know About Appraisal ContingenciesWhen it comes to buying a home, there are certain precautions you can take that will help protect you financially. One of them is getting an appraisal contingency, which essentially means that if the home does not appraise for what you agreed to pay you are allowed to take your deposit and walk away from the deal. How does an appraisal contingency work? We’re glad you asked..

Once you find a home you would like to purchase, your lender will request a home appraisal to ensure the property isn’t selling for more than it’s really worth. During the appraisal a licensed professional will asses the home, as well as the surrounding area, and give their opinion on how much the property is worth. If the amount that comes back is lower than what you offered you can request for the seller to come down on the sale price, make up the difference in the offer price and appraisal amount, or back out of the sale entirely. 

While it’s not a requirement to have an appraisal contingency, things can become extremely difficult for you as a buyer if the appraisal comes back low and you waived the clause. Having an appraisal contingency not only gives you and your lender protection from overpaying, it also gives you negotiating power and allows you to walk away if you and the seller can’t come to terms. 

 
Selling your Omaha, NE home? Allow our team of professional, knowledgable and trustworthy real estate agents to go to work for you! Additionally, don't miss our "Seller Tips" page here

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Heim-Berg Team
Berkshire Hathaway
331 Village Pointe Plaza
Omaha NE 68118
(402) 677-9024
(402) 679-7108 | (402) 830-6123
Fax: 402-493-4805

Stacey OHara CMG financial 515-306-2360

 

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