buying

Growth, Accountability, and the Power of Doing Better

by Corrie Kent Green

Real estate is always changing, and this year’s NAR conference proved just how important it is to stay sharp, stay informed, and stay connected. The event was packed with insight, accountability, and forward-thinking conversations, mainly AI related of course, that left me inspired and ready to elevate the way we serve our clients at Kent McCown Group.

In this blog, I will cover…

What NAR actually is
What they do for REALTORS® and consumers
My biggest takeaway from this year’s conference
Why the Bias Override class meant so much to me
How it impacts the way we serve clients here in Auburn–Opelika

What Is NAR?

The National Association of REALTORS® (NAR) is the largest professional trade association in the United States, representing over 1.5 million real estate professionals across residential and commercial fields.

To call yourself a REALTOR®, you have to be a member of NAR, which means you agree to a strict Code of Ethics and ongoing professionalism standards. This is a big distinguishing factor from simply being a licensed agent. Not everyone is a REALTOR® and it’s important for consumers to know the difference.

What NAR Does:

Sets ethical and professional standards
Advocates for homeowners, property rights, and fair housing
Provides education, certifications, and resources
Conducts research on housing trends and the national market
Hosts training and conferences (like the one I just attended)
Supports fair-housing efforts and works to correct past industry harms

NAR has a complicated history, including its role in discriminatory practices like redlining and steering, but the organization is making intentional efforts toward accountability, change, and education.

And that leads me to the class that had the deepest impact on me this year.

This year, the standout class for me was Bias Override: Overcoming Barriers to Fair Housing, one of NAR’s flagship trainings designed to help REALTORS®:

Identify implicit bias
Interrupt stereotypical thinking
Ensure all clients receive equal and fair professional service
Understand the historical context of discrimination in housing
Build stronger, more inclusive communication habits
Better protect the public we serve

As someone who cares deeply about the people behind the transactions, and who has personally walked through trauma, rebuilding, and advocacy, this class hit home.

Real estate has not always been fair. Our profession, at one time, played a main role in exclusion, segregation, and unequal access to opportunity. While today’s REALTORS® didn’t create those policies, we do have a responsibility to understand them, and to do everything we can to ensure we never repeat them. This class didn’t shy away from the hard history. And honestly? I appreciated that. I loved that instead of pretending “it wasn’t us,” NAR encouraged us to acknowledge the realities of redlining and discrimination and then challenged us to push forward with a deeper level of awareness and integrity.

It isn’t about guilt.
It is about growth.

What the Class Taught Me:

Bias exists in every industry, including real estate
Intent isn’t enough — impact is what matters
Fair housing is not a checkbox; it’s a posture
REALTORS® have the power to create change through daily interactions
We must speak up for the public, not just serve them
Inclusion is built through conscious, consistent choices

And most importantly…

Better service comes from better understanding.

At KMG, our commitment goes beyond contracts and closings, it’s about providing ethical, respectful, client-centered service to every person we meet. This class reinforced practices we already value deeply.

Sitting in that Bias Override session, I felt a powerful mix of humility and hope. Humility, because this industry has made mistakes.
Hope, because we are learning, growing, and correcting the path forward.

As someone who has fought hard for safety, fairness, and a voice in my own life, the message resonated deeply. Doing better doesn’t erase the past but it builds a better future. And that’s exactly what I want Kent McCown Group to be known for.

I’m proud to be a REALTOR®.
I’m proud to serve Auburn–Opelika and surrounding areas.

And I’m proud to keep learning how to do it better.

If you ever want to talk about fair housing, the history behind our profession, or what we learned at NAR, I would love that conversation. Especially if it’s over coffee!

And if you’re dreaming about your next move? We’re here when you’re ready.

— Corrie
Kent McCown Group
Coldwell Banker Kennon & Parker Alliance

Navigating Home Loan Pre-Approval: Tips to Ease the Journey

by Corrie Kent Green

Embarking on the journey to buy a home is an exciting adventure, but the pre-approval process for a home loan can often feel like a daunting hurdle. However, with the right preparation and guidance, you can navigate this process smoothly and with confidence. Here are some practical tips to relieve the common pain points of getting pre-approved for a home loan, and how working with a realtor can make a significant difference.

Organize Your Financial Documents

One of the first steps in the pre-approval process is gathering all the necessary financial documents. This includes pay stubs, tax returns, bank statements, proof of assets, and identification. Preparing these documents well in advance can save you time and reduce stress. Maintain a checklist to ensure you have everything you need and that all information is up-to-date.

Monitor and Improve Your Credit Score

Your credit score plays a crucial role in the pre-approval process. Regularly check your credit reports for errors and dispute any inaccuracies. Reducing outstanding debts and avoiding new debt during this time can significantly improve your credit score and your chances of getting pre-approved. Remember, a higher credit score can also help you secure better loan terms and interest rates.

Maintain Stable Employment and Income

Lenders look for consistent employment history and stable income. If possible, avoid changing jobs or industries during the pre-approval process. For those who are self-employed or have irregular income, keeping detailed records and having thorough documentation can help demonstrate financial stability.

Educate Yourself

Understanding the various types of loans and their terms can empower you to make informed decisions. Research and learn about fixed-rate loans, adjustable-rate loans, FHA loans, VA loans, and more. Consulting a mortgage advisor or broker can also provide valuable insights and clarify any complex terms or conditions.

Streamline Communication

Effective communication with your lender is key. Use a single point of contact at your lender or broker to streamline communication and reduce confusion. Don’t hesitate to ask questions if you need clarifications. Clear communication can prevent misunderstandings and ensure a smoother process.

Comparison Shopping

Getting pre-approved with multiple lenders allows you to compare rates, terms, and fees. This helps you find the best deal and understand what different lenders have to offer. Researching and reading reviews about lenders can also guide you in choosing one known for good customer service and transparent processes.

Stay Financially Stable

Maintaining financial stability is crucial during the pre-approval process. Avoid making significant financial changes, such as changing jobs or making large purchases. Keeping an emergency fund can cover unexpected expenses without affecting your loan approval.

Be Patient and Realistic

Set realistic expectations about the pre-approval process. Understand that it can take time and that there may be delays. Keeping a positive attitude and staying patient can make the process feel less burdensome.

Utilize Technology

Take advantage of online tools and apps offered by lenders for document submission, status tracking, and communication. Digital signatures and electronic document submission can speed up the process and make it more convenient.

Keep a Financial Cushion

Maintaining extra savings to cover any unexpected costs or financial requirements that may arise during the pre-approval process can provide peace of mind and financial security.

The Realtor Advantage

While these tips can significantly ease the pre-approval process, partnering with a knowledgeable realtor can further alleviate stress and guide you smoothly through the journey. Realtors have extensive experience and can offer valuable insights into the housing market. They can recommend reputable lenders, help you understand loan terms, and even assist in gathering necessary documentation.

Realtors also excel in negotiation and can advocate for your best interests, ensuring you get favorable terms. Their expertise can streamline communication between you and your lender, making the entire process more efficient. Additionally, a realtor can provide emotional support and reassurance, helping you stay positive and confident throughout your home-buying journey.

Conclusion

Getting pre-approved for a home loan doesn’t have to be an overwhelming experience. By taking proactive steps to organize your finances, improve your credit score, maintain stable income, and educate yourself about loan options, you can navigate the process with ease. Leveraging technology and maintaining a positive attitude further contribute to a smoother journey.

Partnering with a skilled realtor can provide the additional support and expertise needed to make your home-buying experience enjoyable and successful. With the right preparation and guidance, you’ll be well on your way to securing your dream home. Happy house hunting!

Why Using a Realtor is the Smartest Move in 2024

by Corrie Kent Green

Buying a home is one of the most significant financial decisions you will ever make. The process can be complex, time-consuming, and fraught with potential pitfalls. While some may consider purchasing a home without the help of a Realtor to save on commission fees, the benefits of using a professional far outweigh the costs. Here’s why hiring a Realtor is the best decision for home buyers.

Overcoming the Pain Points of Buying a Home

Market Knowledge and Expertise

One of the biggest challenges in buying a home without a Realtor is the lack of market knowledge. Realtors have in-depth knowledge of local market conditions and can provide valuable insights into pricing, market trends, and neighborhood dynamics. This expertise helps you make informed decisions, ensuring you get the best value for your money.

Access to Listings

Realtors have access to the Multiple Listing Service (MLS), a comprehensive database of available properties. This access allows them to find properties that meet your specific criteria, including those that may not be publicly listed. Without a Realtor, you could miss out on your dream home simply because you didn’t know it was available.

Skilled Negotiation

Negotiating the purchase price and terms of a home can be daunting. Realtors are experienced negotiators who can advocate on your behalf to get the best possible deal. They provide an objective perspective and keep emotions in check, which is crucial during negotiations.

Handling Paperwork and Legal Issues

The home-buying process involves a significant amount of paperwork and legal documents. Mistakes or omissions can lead to delays or legal problems. Realtors handle the documentation, ensuring everything is completed correctly and submitted on time, reducing the risk of complications.

Professional Network

Realtors have a network of trusted professionals, including mortgage brokers, home inspectors, and appraisers. They can recommend reliable experts to assist with various aspects of the buying process, ensuring you receive quality service throughout.

Time and Effort Savings

Searching for properties, arranging viewings, and dealing with paperwork is time-consuming. Realtors manage these tasks, saving you considerable time and effort. They coordinate schedules and handle logistics, making the process more convenient for you.

Financial Guidance

Realtors can help you find and negotiate mortgage options, potentially securing better loan terms. They provide guidance on managing costs and avoiding unnecessary expenses, ensuring your financial interests are protected.

Emotional Support and Stress Reduction

Buying a home can be stressful. Realtors provide guidance and support throughout the process, helping to reduce stress and keep the process moving smoothly. Their objective advice ensures decisions are based on facts rather than emotions.

The Benefits of Using a Realtor

Market Competition and Transparency

Recent settlements between the National Association of Realtors (NAR) and the Department of Justice (DOJ) address concerns about competition and transparency in the real estate market. These changes, set to take effect in mid-August 2024, aim to create a more competitive and fair market, ultimately benefiting consumers [5].

Legal and Ethical Standards

The settlement resolves claims against NAR and its members, ensuring higher legal and ethical standards within the industry. This resolution fosters a more trustworthy and reliable real estate environment, giving buyers confidence in their transactions [3].

Risk Mitigation

Realtors help verify the legitimacy of sellers and properties, reducing the risk of scams and fraud. They conduct thorough due diligence, ensuring the property is a sound investment and that you are protected throughout the transaction.

Conclusion

While the idea of buying a home without a Realtor might seem appealing to save on commission fees, the benefits of using a professional far outweigh the costs. Realtors provide essential market knowledge, access to listings, skilled negotiation, and handling of paperwork and legal issues. They save you time, effort, and stress, and offer invaluable financial guidance. In light of recent changes aimed at increasing competition and transparency in the market, hiring a Realtor ensures you have a trusted expert by your side, making the home-buying process as smooth and successful as possible.

🌐 Sources

Meet Adina, Our June Sponsored Pup!!

by Corrie Kent Green

Hey there, dog lovers and adventure seekers! We’re thrilled to introduce you to Adina, our fabulous June sponsored dog. This sweet pup has had her adoption fee graciously covered by the amazing Kent McCown Group, so she’s ready and waiting to find her forever home!

Adina is the perfect companion for anyone looking to add a little extra joy and excitement to their lives. She’s super dog-friendly and submissive to other dogs, making her a fantastic playmate for your current furry friends. Plus, she’s housebroken and crate trained—what more could you ask for?

This lovely lady looooves to go on walks and has pretty good leash skills, though she might pull a bit when she gets excited about all the fun things to sniff and explore. She’s an adventure dog through and through, and she adores riding in the car. Whether you’re headed to the beach, the mountains, or just around town, Adina is up for it all!

When it comes to meeting new people and encountering new situations, Adina can be a little timid at first. But don’t worry—she warms up quickly and will soon be showering you with love and affection. Once she’s comfortable, get ready for the zoomies! She’ll race around outside, burning off energy, and then happily crash on the couch with you for some quality cuddle time.

One of Adina’s cutest quirks is how jumpy she gets when she’s excited. She loves to jump up and give the best hugs—who wouldn’t want a dog that hugs you back?

If you’re looking for a loyal, loving, and adventurous companion, Adina is your girl. Thanks to the Kent McCown Group, her adoption fee is already taken care of, so all you need to do is come meet her and fall in love.

Don’t miss out on the chance to add this wonderful dog to your family. Come meet Adina today and see for yourself just how amazing she is!