With Practice, Everyone Can Own a Home.

REALTOR® Outlook

By Kay Wilson-Bolton

March 28, 2007

Over the issue of lenders and subprime loans, someone testified this week that not everyone can, or should, buy a home. We’ve all wished we had said what we were thinking in a different way, and this may be a good example.

A more appropriate statement would be that, “Not everyone is ready to buy a home.”

People who work hard in America prove every day that all things are possible. One of our guiding principles states,  “We are endowed with inalienable rights…” REALTORS® believe that one of them is to own a home and experience the American dream.

We can likely agree that not every high school senior is ready for college. Spending two years in Junior College preparing for future academic efforts may solve that.

Not every apprentice electrician is ready to re-wire a home; and not every nurse is ready to serve in ICU. Acquiring the skills for these tasks takes preparation, study and commitment.

Learning to “own a home” is a valuable, overlooked skill that deserves study now that many homeowners are experiencing the pain of losing the home they cannot afford to keep.

We now know this is largely due to the buyers’ lack of understanding or lack of good information as to the consequences of variable loans, creative attempts to qualify and the reality of “no down payment”.

The real estate community should take on the challenge of client preparation and say “never again” to another phase of predatory and aggressive, often foolish, lending practices.

One REALTOR® professional has already taken steps in that direction. For many years, Anita Pulido, of ReMax, has committed herself to preparing buyers for homeowners—one she created and requires for first time homebuyers.

She is known for keeping late hours, taking her clients in shifts late into the evening hours, to prevent them from taking on responsibilities before they are ready.

She is an example of a REALTOR® committed to excellence and client care. She can recite many success stories throughout her career. We can all learn from her efforts to protect buyers from disaster and disappointment.  Anita can be reached at 805.933.6602.




Kay Wilson-Bolton is the owner of CENTURY 21 Buena Vista and CENTURY 21 Ability. She brings a regional perspective to local issues. She can be reached at 805.340.5025. Her website is http://www.readysetkay.com


About Kay Wilson-Boltonhttp://www.kaywilsonbolton.netWith a full-time career in real estate, I can add to your bank of knowledge, not only in real estate but in many areas of life that deal with people and relationships and choices. My real estate career has taught me many lessons about planning ahead and looking forward. I believe in helping along the way so that they can be the best they can be in any situation. I serve as a Fire Department Chaplain and Coordinator for the Many Meals Project which serves homeless and hungry families in my community. The event is far more than many meals. As a result of my work with the homeless population in my community, I received the Good Neighbor Award 2017 from the National Association of Realtors and named as a Champion of Homes in 2015 by the California Association of Realtors. I make pastoral visits to the inmates in the County Jail System and offer them what God says about "all things being new" and His remarkable plan for our lives. I have served my community as Mayor and in many volunteer capacities. I serve others by serving God first. My husband is involved in prison ministry and is a graphic artist. We live a simple life in Santa Paula with an office cat named Scout, three rescued poodles and a cat named Tony Diane at home.

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