Nobility Notary

Transform your fear into fuel for success and take bold steps towards growth.

The National Association of Realtors (NAR) has reached a settlement with the Department of Justice that could potentially lead to significant reductions in home prices for many Americans, particularly those in middle and lower-income brackets. To learn more about this development and how it may impact your housing options, feel free to reach out to me directly or join my live discussion on Friday.

Nash County I’m on my way!

“This Loan Program Has No Down Payment, 1% Interest Rate, Up To 38 Year Repayment And No Credit Score Requirements” Day 72 of 365

If you’re in a hurry and you want to know what the catch is, there’s two of them.

1. You have to meet certain income requirements. Applicants that qualify for payment assistance can qualify for a 1% rate up to 38 years. The max interest rate for this loan as of 3/1/24 is 4.5%

2. The other catch is that these loans are exclusively for RURAL areas as defined by the USDA.

Outside of the criteria listed above, this is an excellent program for those that don’t qualify for traditional bank financing.

You can buy, refinance or even build properties from the ground up inside of this program. Eligible applicants are also able to use this program to purchase and prepare land sites including providing water and sewage facilities.

The goal of the program is to improve homeownership for low income or very low income borrowers across rural America. It can’t be utilized for investment properties and must be owner occupied. As always, I’ll post the link in the comments. Lemme know what you think. Bye for now.

Don't miss out! File your taxes by April 15.

Interested in acquiring a new home? I invite you to attend this event next weekend for insights.

🗣IF YOU DO NOTHING ELSE, put a beneficiary on all of your financial accounts like checking savings CDs, Life Insurance, investments etc. You don't need a will for them to get to your money, just a death certificate. And make a list, preferably by hand instead of your computer, either give it to your trusted person, spouse or put it in your security box at the bank. If the person doesn't know you have a savings account or a CD at XYZ Bank, they can never go get the money. Make sure you have a trusted person that is a signer on the security box at the bank.

🗣 IMPORTANT information to get your affairs in order‼️

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

👨‍👩‍👧‍👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if you are no longer competent to do so.

🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for them.

🛍Last Will and Testament: Designates to whom personal belongings will go to, who the Administrator will be. But if you have a beneficiary on any of your financial accounts, that will override a will. For instance if you say I leave all of my possessions to my daughter Susie, but on your savings account the beneficiary is your best friend, then the money goes to your best friend

🪦Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.

If the above documents are done, you can AVOID probate.

If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney or personal representative to open the estate account. The attorney or personal representative also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

Make sure heirs know where life insurance policies are located. 📂

📝Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!

🚗 Make sure you have titles for all vehicles, campers, etc!

Set up a TRUST for intended beneficiaries, especially those that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

⚡️Hope this helps! ⚡️Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind! Let's stop handing 50% of estate to the government because we didn't handle our business affairs when we could!

My hope is that the above list at least helps you start an important conversation with your loved ones...

(REPOST-I DID) and it’s a very necessary conversation

Americans are lacking in emergency savings, with only 39% having enough money set aside.

It'd be nice to get even half the support yall give Celebrities & Influencers

LaReine Consulting Co.
Nobility Notary

April 20th GA I’m coming back…………

LaReine Consulting Co. we have funding for everything company you see listed!

Acute Care Facility
Auditory Center
Automotive Parts Store
Automotive Repair
Automotive Services
Bakery
Caterer
Bar
Barber Shop
Bed & Breakfast
Bicycle Shop
Book Store
Bowling Alley
Cafe
Cancer Radiology Center
Candy Store
Car Wash
Cheese Store
Chiropractor
Cigar Store
Coffee Shop
Cosmetic Surgery
Dentist
Diagnostic Imaging Center
Diner
Doctor
Endodontist
Florist
Food Gift Basket Store
Food Popcorn Store
Grocery Store
Hair Salon
Hardware Store
Home Healthcare
Hospital
Hotel
Motel
Nail Salon
Nutritional & Dietary Supplies
Orthodontist
Periodontist
Pet Store
Pharmacy
Photo Studio
Physical Rehab
Printing & Publishing
Prepackaged Meals
Quick Copy/Printing
Restaurant
Retail Store – Other
Salon – Spa
Smoothie Shop
Sporting Goods Store
Urgent Care Facility
Veterinarian

To genuinely repair your credit, dedication to the process is essential. Signing up marks the beginning, and commitment ensures successful completion in 6-9 months.

Atlanta, I'm returning on April 20th! Come and discover the next steps towards owning your new home.

Hard work and determination! The hustle will never stop. Bring customers the financing they ask for! Check out our newest listing LaReine Consulting Co.

Major announcement LaReine Consulting Co. we have upgraded our services again! Making sure we are give you Luxury Financial Services

50 Commercial Real Estate Lenders for:

Apartments Multi-Family
Offices
Industrial Properties Mixed use Properties Hotels and Motels Restaurants

25 Commercial Real Estate Construction Lenders for:
Fix and Flip
Acquisition and Rehab Construction Financing
Bridge Loans
ADC (Auisition, Development and Construction)

10 Land Lenders for:
Agricultural Land
Raw Land
Development Properties
Rural Residential properties Primary Residential Properties

20 Hard Money Real Estate Lenders for:
Purchases and Refinances of all types of properties
Land and Construction


COMMERCIAL FINANCE PRODUCTS

13 Hud lenders for:
Affordable Housing Ground up construction to Permanent financing

15 Large Project Funders for:
Community Development
Green Energy
Large Construction (all Real estate projects)
Multi-Family

5 Church Lenders for:
Churches Hospitals Schools Non-Profits

3 USDA Commercial Lenders for:
M&A’s all types of businesses with real estate (B and I)

Food industry related
2 Farm Lenders for:
Farmland Agricultural Development

10 Preferred SBA Lenders for:
Startup Capital
Business M&A’s
Owner Occupied Commercial Real Estate Expansion
Development of Commercial Properties

What to Bring to a Tax Appointment (Tax

Personal documents

Bring all documents below.

Photo ID
Social Security Cards, Social Security Number verification letters, or Individual Taxpayer Identification Number assignment letters for you, your spouse, and any dependents
Birth dates for you, your spouse, and dependents on the tax return

Bank account and routing number for up to three accounts or a voided check for direct deposit of your refund

2023tax return, if you have them
Identity Protection PIN (IP PIN), if you have one
Income

Bring all documents that apply.

Employment Income

W-2 form(s) for all jobs last year (your employer(s) will have sent you this by January 31st by mail and/or by email).
Self-Employment Income

1099-NEC and/or 1099-K
Records of income not reported on 1099 forms
Records of expenses including receipts, credit statements, etc.
Record of estimated tax payments
Retirement or Disability Benefits

SSA-1099 form for Social Security benefits
1099-R for pension/IRA/annuity income
Unemployment Income

1099-G for unemployment benefits
Other sources of income

1099-G for refund of state/local income taxes
1098-T for scholarships/fellowships
Income or loss from the sale of stocks, bonds, or real estate
Income or loss from rental property
Alimony received
Statements for prizes or lottery/gambling winnings
1099-INT/1099-DIV for Interest and dividend statements from banks
Records for any other income
Expenses

You may be able to claim tax deductions for some of the expenses you have. These deductions reduce the income you are taxed on. Bring documentation for all the following expenses you have.

Retirement contributions, including a 401(k) or IRA
State and local taxes you’ve paid
Mortgage statements and property tax bills if you are a homeowner
College tuition (Form 1098-T) and student loan statements (Form 1098-E)
Childcare expenses, including payment records or receipts and provider’s name, address, and federal tax ID number (either their Social Security Number or Employment Identification Number)
Receipts for charitable donations
Medical and dental bills
Records for supplies used as an educator
Other Tax Documents or Notices

Form 1095-A if you had coverage through the Health Insurance Marketplace
Documents from the IRS, Health Insurance Marketplace, your state tax agency, or anything that says “IMPORTANT TAX DOCUMENT”
Bring the following if you have them and are filing a 2023

Credit:
IRS Notice 1444, 1444-B, and/or 1444-C for your Economic Impact Payments (also known as stimulus checks)
IRS Letter 6419 for your Child Tax Credit advance payments
IRS Letter 6475 for your 3rd Economic Impact

We apologize for the inconvenience as we are dealing with Vistaprint merging to WIX so we are figuring things out.

We apologize for the inconvenience as we are dealing with Vistaprint to fix our website. We are hoping it will be up by later on today at the latest by Wednesday of next week.

Still delays

Please be patient with us has we had to get new phones

Nobility Notary now takes appointments on their Page.