Here at Bedico Creek Preserve, we are about information for our builders, our buyers, our homeowners, our partners, and our vendors. If you are looking for a dependable source of information about real estate in Southeast Louisiana, specifically the Greater New Orleans area, please use our blog as much and as often as possible to read informative and timely real estate information. We promise you, you won’t be disappointed!

Closing the Deal: What Every Homebuyer Needs to Know About Closing Costs

/in

Buying a home is one of life’s biggest financial milestones, but it comes with more than just a mortgage and a down payment. One key — and often underestimated — part of the process is understanding and preparing for closing costs, which can significantly affect your homebuying budget. Whether you’re a first-time buyer or a seasoned homeowner, knowing what to expect can save you from surprises on settlement day.

What Are Closing Costs?

Closing costs are the fees and charges paid at the end of the homebuying process when the property officially changes hands. These costs are separate from your down payment and typically range from two percent to six percent of your mortgage amount. For a $450,000 mortgage, that means paying between $9,000 and $27,000 in additional fees.

These costs cover a wide range of services — from appraisals and inspections to legal paperwork and government taxes. While both buyers and sellers pay closing costs, the bulk of the responsibility typically falls on the buyer.

What’s Included in Closing Costs?

Common buyer fees include the application fee, which is typically between three hundred and four hundred fifty dollars, and the home appraisal, which may cost between five hundred and eight hundred dollars. Home inspections usually range from two hundred to five hundred dollars. Loan origination fees can be fifteen to thirty dollars, while title insurance and title search fees generally range from half a percent to one percent of the loan amount. Escrow deposits, which are used to pay property taxes and insurance, vary depending on location and lender requirements.

For FHA loans, mortgage insurance is typically one point seven five percent of the loan amount. Underwriting fees often amount to between half a percent and one percent of the loan. Discount points are optional upfront costs that can reduce your interest rate, typically costing one percent of the loan per point.

Additional expenses might include a pest inspection, which often costs around one hundred fifty dollars, and homeowners insurance, which varies based on the value and location of the home. Property taxes also vary by location and are usually prorated at closing. Some states require attorney fees. Other administrative costs may include courier, notary, and recording fees. If you live in a flood-prone area, flood insurance may also be required.

Average Closing Costs by State

Closing costs vary significantly depending on where you live. States like New York and California have some of the highest average closing costs, both exceeding eight thousand dollars. Texas follows with averages above five thousand dollars. Georgia and Florida typically fall into the three thousand to four thousand dollar range. On the lower end, states such as South Carolina and West Virginia have average closing costs around two thousand one hundred to two thousand five hundred dollars.

Can You Negotiate Closing Costs?

Yes — closing costs aren’t set in stone. There are a few strategies you can use to reduce what you pay.

First, consider asking for seller concessions. In a buyer’s market, sellers may agree to cover a portion of the closing costs to help facilitate a quicker sale. This is particularly common when a property has been on the market for an extended period or has needed repairs. With a conventional loan, seller contributions can range from three percent to as much as nine percent, depending on the size of your down payment. FHA loans allow seller contributions of up to six percent. VA loans permit seller concessions of up to four percent.

Second, you can negotiate with your lender. Lenders might be willing to waive or reduce certain fees if you have a strong credit score or are making a substantial down payment. Be sure to compare multiple offers to find the best terms.

Third, look into homebuyer assistance programs. Many first-time buyers qualify for local or nonprofit programs that help with down payments and closing costs. These can significantly reduce your upfront expenses.

Fourth, consider rolling your closing costs into your loan. This can help reduce the amount you pay upfront, but it increases your loan balance and may result in more interest paid over time.

Finally, family assistance can be helpful. If a relative offers to help, they must provide a gift letter stating that the funds are not a loan and do not require repayment.

Closing costs may not be the most exciting part of homebuying, but they’re essential. Understanding the full picture — what’s included, how much to expect, and how to reduce your out-of-pocket expenses — can help you approach closing day with confidence.

Work closely with your real estate agent, lender, and title company to ensure there are no hidden surprises. Always review your closing disclosure carefully, which you’ll receive at least three business days before your settlement.

By planning ahead and exploring your options, you can save thousands — and start your new chapter on the right financial foot.

Click Here For the Source of the Information.

Land Loans Can Help You Grow More Than Just Property

/in

Owning a piece of land — whether for farming, recreation, or future homebuilding — represents more than just a real estate investment. It’s a tangible connection to the outdoors, a retreat from the rush of daily life, and a foundation for building lasting memories. For many, land is part of their family story, passed down through generations or acquired with the dream of creating something new. But as those dreams expand — from building a cabin to clearing fields — financing can be key to turning vision into reality.

That’s where land loans come in. Flexible and designed for a range of rural and recreational uses, land loans provide a pathway to property ownership and development. Brandon Simpson, Vice President and Branch Manager of the Bay Minette office at First South Farm Credit, shared insight into how land loans can support a wide range of goals, from weekend escapes to full-scale farming operations.

Financing Your Land Dreams
Whether you’re buying a small tract for weekend getaways or a larger parcel for agriculture or homesteading, land loans offer the financial structure needed to move forward. In many cases, buyers also seek improvement loans to develop or enhance their property. These loans can help fund the construction of roads, storage buildings, power lines, water wells, ponds, and even barns or cabins.

According to Simpson, improvements that increase a property’s value are often considered loan-worthy. This includes projects like timber clearing for fields, adding infrastructure, and extending utilities.

The Versatility of Land Loans
One of the key benefits of land loans is their versatility. Buyers can use them to secure raw land, make improvements, refinance existing loans, or even invest in future expansion. Vacant land is generally more affordable than developed property, making it a more accessible option for first-time landowners. It also typically comes with lower property taxes.

Owning land diversifies a portfolio by adding a real asset that behaves differently from stocks or bonds. It’s not just a financial investment — it’s a lifestyle one, too.

Eight Ways Land Loans Can Help
Simpson outlined eight primary categories where land loans can be especially helpful:

Building a Home
Buyers who plan to construct a residence — either now or in the future — may qualify for a loan that combines land acquisition with home construction. This streamlines the financing process and aligns your long-term vision with the immediate purchase.

Refinancing
Landowners with existing loans may benefit from refinancing. This could mean securing a better interest rate, combining multiple loans into one, or extending the repayment period to lower monthly payments. Refinancing may also allow for cash-out options to fund new projects.

Recreational Use
Land purchased for hunting, fishing, or other outdoor hobbies often needs infrastructure to enhance usability. This might include green field development, controlled burns, building hunting blinds or cabins, and adding storage or water features.

Agriculture
Financing is commonly available for farming operations, including land acquisition and improvements such as fencing or irrigation. Specialized agriculture, such as vineyards, orchards, or poultry farms, may also qualify for land loans.

Investment Opportunities
Some buyers purchase land with long-term appreciation in mind. Properties with future potential — like timber sales or development opportunities — can benefit from land loans that allow the buyer to secure the land now and hold it for future profit.

Future Expansion
Individuals or businesses may acquire adjacent property to allow room for expansion, protect their current investments, or comply with zoning and buffer requirements. Land loans can help secure that opportunity before it’s gone.

Environmental Conservation
Land loans can support purchases made with conservation in mind. Protecting forests, wetlands, or other ecologically valuable areas can be a personal or organizational mission, and financing options can align with those goals.

Mineral Rights Acquisition
In some cases, land loans can be used to acquire mineral rights, which are often separate from surface land ownership. This allows buyers to gain access to potential resources such as gas, oil, or other valuable minerals. This type of loan is more specialized and typically requires expert consultation due to the complexity and potential legal implications.

Preparing for a Land Loan
Before moving forward with financing, borrowers should be prepared to discuss their goals for the property with a loan officer. This includes intended use, possible improvements, and whether they plan to build in the near future. Loan terms such as down payments, interest rates, and repayment options will be influenced by the borrower’s financial picture and project scope. Environmental considerations may also play a role in loan eligibility and approval.

Owning land offers personal satisfaction, long-term value, and the opportunity to shape a piece of the world to fit your vision. Land loans make that vision more attainable. Whether you’re building a legacy, launching an agricultural venture, or simply staking a claim in the countryside for weekend retreats, land loans offer the flexibility, affordability, and support needed to bring your plans to life.

By working with trusted professionals like First South Farm Credit, potential landowners can navigate the financing process with clarity and confidence — and take the first step toward making their land dreams a reality.

Click Here For the Source of the Information.

Understanding the Full Cost of Buying a Home

/in

Buying a home is an exciting milestone, but it also comes with a variety of costs beyond just the purchase price. To make a well-informed decision, it’s important to understand the full financial picture. From the down payment to ongoing expenses, knowing what to expect can help you budget effectively and avoid surprises.

The Down Payment

The down payment is the initial amount you pay upfront when purchasing a home. While the traditional advice has been to put down 20%, many buyers today qualify for mortgages with down payments as low as 3%. Some first-time buyers may also be eligible for down payment assistance programs, which can help reduce upfront costs.

A higher down payment can reduce your monthly mortgage payment and may allow you to avoid private mortgage insurance (PMI). However, even if you make a smaller down payment, budgeting for other costs will be essential.

Closing Costs

Closing costs are additional expenses due at the time of purchase, typically ranging from 2% to 5% of the home’s price. These costs vary depending on the loan type, lender, and location. Comparing loan estimates from multiple lenders can help buyers find the best terms and potentially reduce closing costs.

Closing costs generally fall into four main categories:

  • Lender Fees: These include loan origination and processing fees, as well as appraisal fees to determine the home’s value.
  • Settlement and Title Fees: These cover title searches, title insurance, document preparation, and transfer fees. Some states require attorney fees as well.
  • Third-Party Fees: These may include homeowners insurance, home inspections, and real estate agent commissions (typically paid by the seller).
  • Taxes and Government Fees: Property taxes, recording fees, and in some states, transfer taxes or tax stamps are required.

Earnest Money Deposit

An earnest money deposit is a sum of money that buyers submit with their offer to show they are serious about purchasing a home. Typically ranging from 1% to 3% of the home’s price, this deposit is held in escrow until closing. If the sale goes through, it is applied to the down payment or closing costs. However, if the buyer backs out for reasons not covered in the contract, they may lose the deposit.

Private Mortgage Insurance (PMI)

If a buyer puts down less than 20% on a conventional loan, lenders may require private mortgage insurance (PMI) to protect themselves in case of default. PMI can be paid as an upfront fee at closing or added to the monthly mortgage payment.

Once the homeowner reaches 20% equity, they can usually request to remove PMI. Some government-backed loans, like FHA loans, require mortgage insurance for the life of the loan unless refinanced.

Monthly Mortgage Payments and Escrow Accounts

A homeowner’s monthly mortgage payment consists of several components, commonly referred to as PITI:

  • Principal: The amount borrowed.
  • Interest: The cost of borrowing the money.
  • Taxes: Property taxes owed to the city or municipality.
  • Insurance: Homeowners insurance and, if required, PMI.

Many mortgage lenders set up escrow accounts to collect property tax and homeowners insurance payments as part of the monthly mortgage payment. The lender then pays these bills on the homeowner’s behalf. This helps homeowners avoid large annual or semi-annual expenses but increases the total monthly payment.

Moving and Utility Costs

Moving into a new home comes with a range of costs that can quickly add up. Expenses include:

  • Moving services or truck rentals
  • Packing supplies such as boxes and tape
  • Utility setup fees for electricity, water, gas, and internet
  • New furniture and home essentials

Understanding local utility costs can also help buyers budget for monthly expenses based on the home’s size and location.

Unexpected Homeownership Costs

Owning a home also means preparing for unexpected expenses. Appliances break down, plumbing issues arise, and roof repairs become necessary. Experts recommend setting aside at least three to six months’ worth of essential expenses in an emergency fund to cover repairs, job loss, or other financial setbacks.

Homeowners Association (HOA) Fees

Some homes, particularly those in planned communities, condominiums, or townhouses, require HOA fees. These fees can be monthly, quarterly, or annual and go toward maintaining community amenities, landscaping, and shared spaces. Before purchasing a home, buyers should review HOA regulations and fee structures to understand how they impact their budget.

Preparing for Homeownership

Beyond the mortgage payment, responsible homeownership requires budgeting for property maintenance, insurance, and future expenses. Understanding all the costs involved will help buyers make confident decisions and set themselves up for long-term financial success. By planning ahead, homeowners can enjoy their new space without unexpected financial stress.

Click Here For the Source of the Information.

The First Time Homebuyer

/in

A first-time homebuyer is an individual who has never owned a home before or has not owned a home for at least the previous three years. In certain tax scenarios, the IRS defines a first-time homebuyer as someone who has not owned a home in the prior two years. Understanding this classification is crucial because it determines eligibility for specific financial benefits, such as down payment assistance programs and first-time homebuyer tax credits.

Purchasing a home is a significant financial decision that requires careful planning and preparation. One of the first steps for first-time homebuyers is assessing their financial situation. This includes reviewing their credit score, calculating their debt-to-income ratio, and determining how much they can afford for a down payment and closing costs. A higher credit score often leads to more favorable loan terms, while a lower score might require a larger down payment or result in higher interest rates. The debt-to-income ratio is another key factor, as it helps lenders determine how much mortgage debt an individual can responsibly manage.

The down payment is one of the most critical aspects of buying a home. While a 20 percent down payment is ideal to avoid private mortgage insurance (PMI), there are loan options available that require much less. Conventional loans can have down payments as low as 3 percent, while FHA loans require a minimum of 3.5 percent. VA and USDA loans typically do not require any down payment, making homeownership more accessible to qualified buyers. Additionally, first-time buyers should factor in closing costs, which typically range from 2 percent to 5 percent of the home’s purchase price.

Once financial preparedness is in order, selecting the right mortgage type is the next step. The primary choice is between a fixed-rate and an adjustable-rate mortgage (ARM). Fixed-rate mortgages offer stability with consistent monthly payments, making them ideal for buyers planning to stay in their home long-term. ARMs, on the other hand, start with lower interest rates for an initial period before adjusting periodically, making them more suitable for those who may sell or refinance in the near future. Loan terms also play a role in affordability—15-year loans come with higher monthly payments but lower overall interest costs, while 30-year loans offer lower monthly payments with a longer repayment period.

Shopping around for mortgage lenders is another important step. Interest rates and loan terms can vary significantly between lenders, so it is beneficial to obtain quotes from at least three different providers. Some lenders offer free rate quotes online, while others require direct communication. Comparing not just interest rates but also fees and annual percentage rates (APR) ensures that buyers get the best deal. Once a lender is selected, obtaining a preapproval letter strengthens a buyer’s position when making an offer on a home.

After securing a mortgage preapproval, finding a real estate agent is essential. A knowledgeable agent can provide valuable insights into the housing market, help navigate listings, and assist in negotiations. It is beneficial to interview multiple agents to find someone who understands the buyer’s needs and preferences. The right agent will provide guidance on the home search process, neighborhood research, and property evaluations.

The home search process involves browsing listings, attending open houses, and scheduling showings. Buyers should have a clear list of priorities, such as location, size, and features, to streamline the search. Once a suitable home is found, the next step is making an offer. A strong offer includes a competitive price, contingencies such as inspection and financing clauses, and a timeframe for response. In competitive markets, buyers may need to act quickly and be prepared for counteroffers or bidding wars.

Once an offer is accepted, the mortgage application process officially begins. Buyers will need to submit financial documents, such as pay stubs, tax returns, and bank statements, for lender verification. This step also involves finalizing loan terms and securing a home appraisal. The appraisal ensures that the home’s value aligns with the loan amount, protecting both the buyer and lender from overpaying for the property.

A home inspection is another crucial step in the buying process. A professional inspector evaluates the condition of the home, identifying potential issues with the foundation, roof, plumbing, electrical systems, and more. If major problems are uncovered, buyers may negotiate repairs with the seller or reconsider the purchase. While inspections add an extra cost, they provide peace of mind and prevent unforeseen expenses after moving in.

As the closing date approaches, buyers must secure homeowners insurance, which is required by lenders to protect the property from damage or loss. Shopping around for insurance quotes ensures the best coverage at competitive rates. Buyers should also plan their move by arranging for utilities, internet, and any necessary repairs or upgrades before move-in day.

Closing on a home is the final step in the buying process. This involves signing legal documents, transferring funds for closing costs and the down payment, and officially taking ownership of the property. Buyers should review all documents carefully and be aware of potential scams, such as fraudulent wire transfer instructions. A final walkthrough of the home ensures that it is in the agreed-upon condition before the closing meeting.

Being a first-time homebuyer comes with advantages and challenges. Many state and local programs offer assistance with down payments and closing costs, making homeownership more accessible. Some buyers may also qualify for mortgage credit certificates, which provide a dollar-for-dollar federal tax credit. However, first-time buyers should be prepared for the financial responsibilities of homeownership, including maintenance, property taxes, and unexpected repairs. Planning and budgeting accordingly can help ensure a successful transition from renting to owning a home.

Click Here For the Source of the Information.

Choosing the Right Home Foundation

/in

A home’s foundation serves as its backbone, providing structural stability while protecting against environmental threats like moisture, pests, and shifting ground. Without a solid foundation, a house could sink, crack, or deteriorate over time due to exposure to the elements.

Types of Home Foundations

Not all homes are built on the same type of foundation. Some structures rely on full basements for added space and durability, while others use simpler designs like slab-on-grade for affordability and efficiency. Here’s a look at the most common foundation types, their pros and cons, and factors to consider when choosing the right one for your home.

1. Full Basement

A full basement is one of the most widely used foundation types, especially in colder climates where deep footings help manage frost heaves. Typically constructed from poured concrete, these basements provide additional living space and storage while offering excellent protection from extreme weather.

Pros:

  • Adds usable living space
  • Protects against harsh weather
  • Can include windows and doors for natural light
  • Increases home value

Cons:

  • Expensive to construct and maintain
  • Susceptible to water intrusion
  • Requires moisture control measures

2. Daylight Basement

A daylight basement differs from a full basement in that at least one side is fully or partially exposed to ground level. This foundation type allows for more natural light and ventilation, making it ideal for homes on sloped lots or those considering basement apartments.

Pros:

  • Provides extra space and rental potential
  • Increased natural light reduces mold risk
  • Easier to add external access points

Cons:

  • More expensive to install and repair
  • Increased risk of flooding on the exposed side

3. Crawl Space

A crawl space foundation sits between a full basement and a slab-on-grade foundation in terms of size and complexity. Usually just a few feet high, it offers space to house plumbing, electrical systems, and insulation while elevating the home above ground level.

Pros:

  • More affordable than a full basement
  • Provides some storage space
  • Protects against frost heaves

Cons:

  • Requires excavation
  • Prone to moisture and pest problems

4. Slab-on-Grade

One of the simplest and most cost-effective foundations, slab-on-grade consists of a single concrete slab poured directly onto the ground. It’s commonly used in warmer climates where frost heaves are not a concern.

Pros:

  • Low-cost and quick to install
  • Minimal maintenance required
  • Works well in warm climates

Cons:

  • No additional storage or living space
  • Embedded utilities are hard to access for repairs

5. Poured Concrete

Poured concrete is one of the most popular foundation materials due to its durability and resistance to environmental stressors. It’s used in various foundation types, from basements to slabs.

Pros:

  • Highly durable and strong
  • Resistant to frost and water damage
  • Minimal weak points due to seamless construction

Cons:

  • Requires excavation and footings
  • Can be affected by weather during installation

6. Pier and Beam

Homes built in flood-prone or coastal areas often rely on pier and beam foundations, which elevate the structure above potential water levels using wood or concrete piers.

Pros:

  • Protects against flooding
  • Suitable for sloped or coastal areas
  • Easy access to home systems for repairs

Cons:

  • Requires heavy machinery for installation
  • No extra storage space
  • Wooden beams can be prone to rot

7. Insulated Concrete Form (ICF)

ICF foundations use insulated foam forms that remain in place after the concrete is poured, offering high energy efficiency and durability.

Pros:

  • Excellent insulation and energy efficiency
  • Moisture- and pest-resistant
  • Strong and durable

Cons:

  • More expensive than traditional poured concrete
  • Requires specialized installation

8. Stone Foundations

Older homes may still feature stone foundations, which offer aesthetic appeal but require regular maintenance to prevent water damage.

Pros:

  • Unique visual appeal
  • Long-lasting when properly maintained
  • May increase property value

Cons:

  • Expensive to repair
  • Vulnerable to water and pest issues

9. Pressure-Treated Wood

In remote or extremely cold areas, pressure-treated wood foundations (PWF) can be a viable alternative to concrete, offering insulation benefits and flexibility.

Pros:

  • Good insulation properties
  • Suitable for extreme cold climates
  • Easier construction in remote locations

Cons:

  • Can be vulnerable to rot and moisture damage
  • Requires proper chemical treatment to prevent pests

Factors to Consider When Selecting a Foundation

Choosing the right foundation for your home involves considering climate, soil conditions, budget, and long-term maintenance needs. Some key factors include:

  • Climate: Full basements and crawl spaces are better suited for colder regions, while slab-on-grade and pier foundations work well in warmer areas.
  • Durability: Concrete and stone offer high resistance to water and pests but may require more maintenance.
  • Cost: While full basements add home value, they are the most expensive to build and maintain. Slab-on-grade foundations provide a more budget-friendly alternative.
  • Storage and Space Needs: If additional living space is a priority, basement foundations are a good investment. However, if simplicity and cost-effectiveness are more important, slab foundations may be the best choice.

Foundations are crucial to a home’s longevity, safety, and functionality. By understanding the different types available and their respective advantages and drawbacks, homeowners can make informed decisions about the best foundation for their specific needs. Consulting with a professional builder will help ensure the right foundation is chosen based on environmental factors, budget, and long-term goals.

Click Here For the Source of the Information.

Choosing the Perfect Lot in a New Community

/in

Selecting the right lot in a subdivision is one of the most critical decisions in the home-building process. Unlike interior design elements, a home’s location is permanent, affecting everything from exposure to the elements to future resale value. While lots in new-build communities may seem identical at first glance, there are numerous factors to consider to ensure you find one that meets your needs.

Key Questions to Consider

Before deciding on a lot, ask yourself several questions to narrow down your options. Consider your building timeline—do you need a lot available immediately, or can you wait for a more desirable location? Think about the size of your yard. Do you need ample space for children, pets, or outdoor hobbies? Noise level is another major factor. If you are a light sleeper or have a baby, you may prefer a quieter section of the neighborhood. Privacy is also essential—some homeowners enjoy the sense of security that comes with having neighbors close by, while others prefer a more secluded setting. Budget is another crucial aspect; some lots come with premiums due to their location or features, so determine whether you are willing to pay extra for a particular view or added privacy.

What to Look for When Selecting a Lot

Choosing the ideal lot involves both research and observation. Development plans play a crucial role in determining how a neighborhood will evolve, so reviewing different phases and builder options in your preferred community can provide insight into its future. Lot size is also important, as not every floor plan is compatible with every lot. Builders often provide online tools that match preferred home designs with available lots in a community.

Topography and slope affect yard usability and drainage. A flatter lot typically offers more functional outdoor space, but it’s important to confirm that proper drainage plans are in place to prevent future erosion. Utilities and power lines can also impact the long-term value of a property. Visible power lines and unsightly utility boxes may detract from the home’s appeal, so it’s wise to walk the neighborhood with a builder’s representative to identify their locations.

Lot orientation can influence both comfort and energy efficiency. A home’s exposure affects sunlight levels throughout the day, impacting plant growth, heating and cooling costs, and outdoor comfort. Those looking to enjoy a shaded patio in the summer should avoid lots with south- or west-facing backyards, which can become uncomfortably hot.

Properties near ponds, lakes, or retaining walls often provide beautiful views but may come with additional costs. These premium lots may also require special erosion control measures, so inquire about any associated fees or future maintenance requirements. Similarly, traffic flow in the neighborhood should be considered. Families with young children often prefer cul-de-sacs for their reduced traffic, though these lots may have limited parking and smaller front yards.

Knowing where neighboring homes will be built can also influence your decision. Some lots offer greater distance from neighbors, while others may become enclosed over time. Checking development plans can help avoid surprises down the road. Proximity to community amenities such as pools, fitness centers, and event spaces is another factor to consider. Being close to these features can be convenient but may also result in increased foot traffic and noise.

Common Questions About Lot Selection

Many homebuyers wonder if corner lots are preferable. These lots often offer larger yards but also experience more traffic exposure. Similarly, premium lots are typically designated by builders based on size, views, or unique positioning within the community. Understanding what constitutes a premium lot can help determine whether it’s worth the additional cost.

The placement of a house on a lot is usually determined by the chosen floor plan. Builders take sunlight exposure and cross-breeze potential into account when positioning homes, optimizing natural light and airflow. Discussing placement options with your builder can help maximize the advantages of your lot selection.

Choosing the right lot requires careful consideration of both personal preferences and practical factors. By asking the right questions and thoroughly evaluating each option, homebuyers can make an informed decision that ensures long-term satisfaction with their investment.

Click Here For the Source of the Information.