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Preparing to Buy

Posted by Jenelle Kirton on December 29, 2016 at 9:20 AM Comments comments (0)

Automate your saving. It is hard enough to save money when you have other bills and expenses, however, it is even harder when you have to make that choice between spending the money in your checking account or brushing a little aside for saving. Go with the theory, ‘if you don’t see it, you won’t spend it.’ Automatically have a portion of your checking account transfer into a savings account, that way when you check your balance to take care of day to day business, you are spending what’s available minus your savings.


Get that score up. Your credit score is a crucial part of getting any type of loan, especially a home loan. For those with 600 and below credit scores, there are a few companies who will grant you a credit card, although they may request a small down payment. These cards are a great way to work on obtaining credit and increasing your score. If you have reasonable credit debt, don’t pay it all off, pay on it each month keeping the balance to about half, or less, of your available credit. In addition, go ahead and set yourself reminders to pay your bills by their respective due dates.


Window shop: Don’t wait until you are ready to buy, go ahead and start looking around now to see what is available in your desired area and what the prices are. The more you know about what you can afford and what is available, the better prepared you will be when you are ready to work with a realtor. Having a realistic “must-haves” list in the area you want to live in will go a long way to helping you find your dream home.


The Millennials Are Coming

Posted by Jenelle Kirton on November 29, 2016 at 4:10 PM Comments comments (0)

2017 is expected to be the year of the newbies. First time homebuyers are being slated to dominate the housing market…are you ready to support their not so ordinary needs?

According to Jonathan Smoke for, first-time buyers are more than three times more likely than a repeat buyer to say that they lack the funds for a down payment. Likewise, they are 2.9 times more likely to be held back because they are subject to the terms of a lease. And they are 2.7 times more likely to say that they need to improve their credit score.

A couple tips he has for first timers are these:

1. Understand the importance of improving your credit score, to ensure you can qualify for the lowest mortgage rate.

2. If you think you need to put 20% down, because that’s what your parents did? Think again. It is possible to get a mortgage with less than 5% down. The average down payment in the U.S. so far this year (through September) is 11%.

Get yourself ready for the coming wave of homebuyers and bone up on what their needs might be. Prepare to position yourself as their ally and most reliable source of information as they navigate their way through the homebuying maze.


Game Day! Up Close and Personal

Posted by Jenelle Kirton on November 9, 2016 at 3:00 PM Comments comments (0)

Fall is my favorite time of the year! The changing of the leaves is spectacular, and we have FOOTBALL!! Ever since our two children went to West Virginia and Virginia Tech, Rick and I became avid college football fans.

It was a little difficult cheering and rooting for both teams when they played against each other. We hung out both flags on game day and tried to be supportive of both sides.

Rick and I later realized it is a lot easier rooting for the Ravens and Eagles.

Stan Bishop, EXIT Real Estate Gallery - Orange Park, and his lovely wife, Elise, invited us to go to the Ravens vs. Jaguars game on Sunday, September 25th. Since the Bishops are sponsors to the Jaguars, we were treated to all the VIP amenities. We were allowed to view the locker room facilities and be on the field to watch the players practice before the game.

The highlight of the day was when John Harbaugh came out onto the field and came over to me. We talked about how we were going to win the game, he gave me a hug and posed for a picture with me!! What a THRILL! It was an experience I will never forget!

LIFE presents itself many opportunities.

All you have to do is reach out and grab it!

~Written by Carol McDaniel


Wealthy Living

Posted by Jenelle Kirton on November 4, 2016 at 8:55 AM Comments comments (0)

You can live like the rich and famous on your budget. The wealthy tend to look for three key features when searching for a home, now you can too!

An open layout is paramount. With the amount of entertaining they do from day to day, the wealthy are looking for great open floor plans and spacious rooms for all of their elite family and friends to gather.

They are also looking for smart technology. These can be as extravagant as having a remote that controls the blinds and lights in the home, to something as affordable as managing their alarm system, or checking the contents of their refrigerator from their smartpohones.

A last feature they love is energy efficiency. They spend money in a lot of places, but are more reluctant now to spend on high energy costs. With so many options available today, you can find several affordable ideas to incorporate into your home, or your home search.


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EXIT Mid-Atlantic Partners with The CE Shop

Posted by Jenelle Kirton on September 30, 2016 at 9:25 AM Comments comments (0)

EXIT Mid-Atlantic has partnered with The CE Shop, the leader in online real estate education. We know our members' time is valuable and trying to stay on top of business and family priorities can be a challenge--especially as your license expiration date nears.

That's why we've partnered with The CE Shop--to give you more flexibility and control over how to meet your Continuing Education requirements. All our members benefit from our co-branded course website. This means you have a one-stop shop that lists the courses you need and describes them in full detail so you know what's offered before you enroll.

Go to at any time to review and purchase the courses you need. You can start your course immediately or come back to it later.

The CE Shop's courses not only provide the most relevant and current information, and are delivered in user-friendly language, but you also have the added benefit of pausing and bookmarking at any time during your course. You can then return to your learning environment when you have the free time to do so.

Go to to check out the site today!


Tips for homeowners

Posted by Jenelle Kirton on September 29, 2016 at 11:40 AM Comments comments (0)

Here are a few tips you can share with your buyers and sellers alike to get, and keep, their homes in tip-top shape.

-Remind your clients that they can expect to spend at least 1% of the home’s value in repairs and maintenance annually.

-If your clients have a water heater that features a built-in water softener, remind them to salt their softener to avoid costly, irreversible damage

-Instruct your clients to be mindful of their home’s humidity levels. Particularly in basements, the level should be somewhere between 30% and 50%.

-Keep your clients vigilant when it comes to termites. A professional check from a trusted inspector once or twice a year can save a lot of heartache and money.

-One last tip is to perform a bi-annual or annual disaster kit check. Basic kits should contain flashlights or lanterns, nonperishable food items for at least 3 days, at least $100 cash – more if they have a larger family, a first aid kit, and a case of bottled water – or the equivalent.



Insight shared through


Rainbows and Sunshine

Posted by Jenelle Kirton on September 26, 2016 at 3:15 PM Comments comments (0)

It was the BEST of venues, it was the WORST of venues! When planning our Agent Retreat on September 8th, I kept a constant eye on the weather all week long. We all know how weather can make or break an event. Remember last year’s Maryland Convention being canceled 2 days before the event?

The weather forecast was predicting perfect weather. Kent Manor Inn has a beautiful brick patio that I had set up for breakfast dining outside. As I was approaching the venue that morning, I saw RAINDROPS on my windshield! Then, I saw a beautiful rainbow (where there’s a rainbow, there’s rain!) The entire Kent Island was dry, except for a pocket of rain hovering over the venue!

The courteous staff was moving all the outside tables under shelter and wiping away our “liquid sunshine.”

Oh…it gets better!! We had a terrific turnout and the food and speakers couldn’t have been better. I always carry a sweater wherever we go because I always get cold. Around 11am, I nudged Rick at the table asking if he was warm. He said he was comfortable so I thought it was just me. By noon, the place was like an OVEN!

The air conditioning unit couldn’t keep up with cooling the inside due to the HEAT WAVE outside!

All in all, it was a GREAT DAY and we just got a sampling of Paradise Island weather, where there’s always a beautiful rainbow after a spontaneous shower!

Thanks to everyone who came out that day and helped us Celebrate Greatness!


See Everyone in Paradise!

~Written by Carol McDaniel


A Great Price for a Great Event

Posted by Jenelle Kirton on September 22, 2016 at 9:25 AM Comments comments (0)

It will be here before you know it. The EXIT Realty Annual Convention and Gala. This year it is being held at the Atlantis Paradise Island Resort in Nassau, Bahamas on Tuesday, October 18th through Friday, October 21st. As if that isn’t reason enough to get registered, Rick McDaniel has 5 tickets for this memorable event that you can have for a steal…only $550.

To claim your ticket, simply call or email Rick today to let him know you will be there.

Rick McDaniel, (410) 287-9000 or [email protected]

See you in the Bahamas!


Live Your Life to the Fullest

Posted by Jenelle Kirton on September 7, 2016 at 11:25 AM Comments comments (0)

If there’s one thing being in the real estate industry over the past 30 years has taught me, is that…it is crucial to take time off from time to time. We get so wrapped up in the everyday routine of our lives that we forget to stop and recharge our battery and focus on what is important to us.


Taking time off could be as simple as spending a day with your family (with the phone shut off!), or traveling to an exotic place you’ve always thought about going. It doesn’t matter what you choose to do…Just Do It!


A big “life lesson” I learned while working with hospice for three years is life is too short. Don’t procrastinate having FUN in your life!


It’s summertime!! Kick off your shoes, high heels, boots or flip flops and wiggle your toes in the warm sand and frolic in the cool, refreshing pool, lake or ocean. Four months from now, you’ll look back and smile, remembering how GREAT your summer of 2016 was!

~Carol McDaniel

Bernie Flax Awarded Outstanding Achievement Award

Posted by Jenelle Kirton on August 16, 2016 at 2:35 PM Comments comments (0)

Excerpts as published in Ocean Pines, MD, August 4, 2016: In recognition of their hard work to uphold the highest of industry standards, seven local real estate professionals were honored during the Coastal Association of REALTORS® (CAR) 2016 Annual Awards ceremony on Wednesday, August 3, 2016 at the Ocean Pines Yacht Club.

As one of these esteemed professionals, our own Bernie Flax, EXIT Realty at the Beach, was recognized with this year’s Outstanding Achievement Award. Bernie is a member of CAR’s board of directors and is an active volunteer for several association committees. She is also very active with the Women’s Council of REALTORS®, Habitat for Humanity, and Dove Pointe, among other organizations. Bernie also holds the Accredited Buyer’s Representative Designation from NAR and has completed certification requirements for At Home with Diversity, e-Pro®, and Resort & Second Home Property Specialist. Bernie Flax opened EXIT Realty at the Beach in October 2015 with the goal of running a local, boutique-style independent franchise that focuses on the person, lifestyle, and total experience of clients.

Congratulations Bernie!