WHAT YOU NEED TO KNOW ABOUT TERI

• 17 years experience in lending industry, working at all levels prior to joining HVF.
• Delivers honesty, communication, and service like no other!.
• Understands all kinds of loans; conforming, non-conforming, FHA, stated, investment, good credit, bad credit. I do them all.

EDUCATION
Northwest Technical College
Area of study: Applied Business

PROFESSIONAL EXPERIENCE

• Loan Officer, Manager Flagstar
• Manager, Interfirst and TCF

PROFESSIONAL AFFILIATIONS
Ann Arbor Jaycees, Ypsilanti Area Jaycees, Ann Arbor Chamber of Commerce, Ypsilanti Chamber of Commerce, First United Methodist Church, Ypsilanti High School PTSA, Ann Arbor Board of Realtors, Washtenaw County Home Builders Association, Women's Council

WHY WORK?
"I love to help people make the most informed decision on the biggest purchase of their lives; and then there's the thrill of seeing the look on their faces at a closing!"

AFTER WORK
"My favorite thing to do when I am not at work is make a nice dinner for my family and then sit in front of the fire with my husband, our two children and our two dogs as we play board games. Those are the most joyful moments in my life."

Cindy Price is a First Vice President for Bank of America and a 30-year veteran of the mortgage industry.

Need help with mortgage? Local resources for homeowners who are delinquent on their mortgage or anticipate it happening in the future:

Price says that among the options that homeowners in trouble have are:

• Refinancing or selling. That is a viable option for homeowners who still have some equity in their home, especially for those who have some equity and an adjustable rate-mortgage and would like to get into a lower cost fixed-rate loan.

• Loan modification. That is when a lender agrees to modify the loan to help the homeowner continue to make the monthly payment. Sometimes, that means changing the term of the loan or its interest rate.

• A short sale. That is when a home is valued at, and can be sold for, less than what is actually owed on its mortgage, and the lender agrees to accept that amount. Sometimes, the homeowner is asked to pay some of the difference between what he owes on the loan and what the house is sold for, however.

• Deed in lieu of foreclosure. This is also known as walking away from the house. A deed in lieu of foreclosure means the homeowner admits he cannot pay his mortgage, but instead of letting it become delinquent and going through costly foreclosure proceedings, he turns the house over to the bank.

Agents from Prudential Snyder & Company Realtors recently taped a panel discussion on CTN that will be broadcast this week about issues related to homeowners with troubled mortgages and where people can turn to for help. The panel included local real estate agents, a counselor from the U.S. Department of Housing and Urban Development and a real estate attorney.

"We want to let people know there is help out there. You don't have to be embarrassed because you are in this position," said a real estate agent at Prudential Snyder who organized and sat on the panel. "Most people just don't know who to turn to, or where to go, to get anything accomplished."

Nancy Burger has been a licensed Real Estate Broker since 1977. After graduating from law school, she worked as an Acquisition Manager for a commercial real estate development company for two years. During this period she gained extensive knowledge in commercial real estate, commercial leases, and environmental law.

Nancy brings this experience to her practice of law. She provides legal services to clients purchasing or selling residential real estate; for-sale-by-owner; purchasing or selling commercial real estate, 1031 exchanges, and commercial leasing. She represents builders and owners who are having trouble having new homes constructed. Many realtors and bankers refer clients to Nancy.

Nancy also provides estate planning services and has been a guest speaker at Estate Planning Seminars hosted by Edward Jones and Morgan Stanley Dean Witter.

Nancy is dedicated to the community and has served on the Board of Directors for non-profit corporations, Washtenaw Counsel for the Arts and Chamber Music Ann Arbor. She was a co-founder of the Milan Area Historical Society.

Current Employment Positions:

Owner, since 1990

General Counsel, University of Michigan Credit Union, since 1991

Areas Of Practice:

Real Estate

Residential Real Estate

Commercial Real Estate

Estate Planning

Wills

Trusts

Probate Administration

Business Law

Banking/Lending Law

Bar Admissions:

Michigan, 1989

U.S. Federal Court, 1989

Education:

University of Toledo College of Law, Toledo, Ohio, 1987

J.D., Doctor of Jurisprudence

 

University of Michigan, Ann Arbor, Michigan, 1974

B.G.S., Bachelor of General Studies

Major: Liberal Arts

 

Professional Associations and Memberships:

Michigan Bar Association, 1987 - Present

Wastenaw County Bar Association, 1987 - Present

Washtenaw County Bar Association, Real Estate Section, 1993 - 1994

Chairperson

Chamber Music Ann Arbor, 1996 - 1999

Directorship

Milan Area Historical Society, 1994 - Present

Co-Founder

Some say "We don't need an inspection of new construction because it is NEW & the builder gave us a one year warranty. Besides, the city inspects them, don't they?!"

Molds play an important role in nature by breaking down organic materials. We routinely encounter mold spores as part of everyday life, in both outdoor and indoor environments. In most cases, the body's immune and respiratory systems normally provide defense mechanisms that protect it from health effects of regular exposure to molds. 

Inhalation of molds can result in a range of health effects and in some circumstances can cause permanent damage or even death. Infections are possible in healthy people, despite the confusion regarding so called allergies.  Many molds cause allergies.  Allergic responses to molds include hay fever and asthma, and many people with allergies are also allergic to mold. 

An inspection by a qualified professional should take place if mold is detected or suspected.