All agents are NOT alike! We have 15 yrs experience helping 500+ clients. Call me: 509-892-1086 or toll free 866-490-7871.

"Your follow through was outstanding"
"We have shared our experience with our friends and if they need a Realtor in the CDA area they know who to call"
Investors-Richard & Cristie LaVallee
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Sherry Zellars are some of The Top Selling Real Estate Experts™
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Our Special Offers: Coeur d'Alene, Post Falls and Hayden Idaho home buying, real estate listings, and homes for sale in Kootenai County, ID

Welcome > Resources > Special Offers > Our Special Offers ...

Special Offers From Us To You!

Just for you, we've assembled some Special Offers. Choose one or all!

Find Out About the Latest Homes for Sale First!
I add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.

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Free Buyer Representation
Just like a home seller hires a listing agent, today's smart home buyer hires a Buyer's agent to help them from start to finish.

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Request My Free Relocation Help!
Moving your family to another town or state is a major event in your life! I have helped hundreds of families and individuals relocate.

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Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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Q	What is an encumbrance against a property, which may be voluntary or involuntary?
A	There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien.
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Residential Loans-Mountain West Bank- Stein Berry
Stein helped my client with an IHA Loan. (for residents <$61,200 income & has a low interest rate & fees.
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Sherry Zellars , REALTORŽ, real estate agents and broker for Coeur d'Alene, Post Falls and Hayden Idaho home listings, property and land for sale - NUMBER1EXPERT(tm)

Sherry (Zellars) Brower & Phil Brower
Realteam Real Estate Center
296 W Sunset Ave.
Coeur d'Alene, ID. 83815
Direct Line to Phil: 509-993-3644
Toll Free: 1-866-490-7871
Fax: 509-892-1086
Home office Phone: 509-892-1086
Sherry's cell : 208-661-0191
Email: phil@lakecityteam.com
Email: cdapeanut@yahoo.com
SHERRY is a 16 yr Realtor who is the team manager. She works behind the scenes and negotiates the sales. Phil IS ONLY ONE CALL OR E-MAIL AWAY FROM HELPING YOU FIND THE RIGHT PROPERTY!! WHETHER IT'S A SMALL COTTAGE, A BRAND NEW HOME, A LUXURY WATERFRONT ESTATE, 5 ACRES OF RAW LAND, OR A DUPLEX, he is constantly previewing all newly listed properties. When you hire us (at no extra charge to you) we will give you our full attention starting with, LISTENING to your NEEDS & DESIRES, e-mailing you lots of PROPERTY PHOTOS to review privately, recommending experienced lenders with the BEST LOANS, suggesting favorite ACCOMODATIONS for your visit, showing you YOUR CHOICE of properties, negotiating for your BEST INTERESTS, recommending INSPECTORS who have a critical eye, TITLE Companies to expedite the paperwork, & recommending CONTRACTORS to make the property your own. We specialize in helping you make your next move the best you've ever had!! Representing a dedication to his profession, Phil is a candidate of the Certified Residential Specialist designation. Phil would love to talk to you about your real estate needs and get you started toward owning property in North Idaho, so call him today!

www.LakeCityTeam.com is brought to you by Sherry Zellars
NUMBER1EXPERTS™ in real estate for Coeur d'Alene, Post Falls and Hayden, Idaho, waterfront real estate, luxury real estate

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