Residential Mortgages
This financial do-over allows homeowners to replace their current mortgage with a new one- usually for a better interest rate or different loan terms.
What is refinance?
Contrary to popular belief, this four-legged family member actually runs the household.
Who is Freya?
DTI
This breed of dog lives with Courtney and serves as her head of home security, pre-cleaning of the counters, and unsolicited barking alerts.
What is a Great Dane?
When a customer slips, trips, or decides your business somehow ruined their day, this coverage is usually the first line of defense.
What is general liability?
Before the bank agrees to lend you hundreds of thousands of dollars, it politely asks you to contribute this amount first.
What is the down payment?
This tiny hometown of Clark's is so small that if you blink while driving though, your GPS asks if you're lost.
What is Lebanon, Ky?
E&O
Associated with money, luck, and grass, this is the color Courtney has chosen as her personal favorite.
What is Green?
When a covered loss shuts down your business, this coverage helps pay the bills while your accountant practices breathing exercises.
What is business income?
The more of your house that belongs to you instead of the bank, the more of this you have.
What is equity?
Prior to mortgages, Clark was the top performing salesperson, where he sold these household products.
What is furniture?
COI
What is Certificate of Insurance?
These four individuals have collectively provided Courtney with more risk management training than any insurance company ever could.
Who are Ryleigh, Hudson, Scarlett and Hunter?
Despite sounding like insurance for a bass boat, this coverage is actually designed for tools, equipment, and property that travel around on dry land.
What is inland marine?
This type of loan is used to qualify real estate investors primarily based on rental income rather than personal income.
What is a DSCR (Debt Service Coverage Ratio) Loan?
This mysterious word sits between Clark's first and last name, appearing mostly on legal documents and when his wife is upset.
What is Clark?
RCE
What is Replacement Cost Estimate?
Courtney has been in insurance for this many years, or approximately 47,000 conversations about insurance premiums.
What is 8 years?
When your expertise, advice, or professional service is questioned, this coverage steps in to remind you why your insurance agent deserves a Christmas card.
What is professional liability?
Homebuyers often fall in love with a low interest rate, only to discover the fees later. This number is the financial equivalent of reading the entire dating profile before committing to a date.
What is APR (Annual Percentage Rate)?
The newest and cutest member of Clark's family is this old. (Hint: not quite 3 months)
What is 11 weeks?
E&S
What is Excess & Surplus?
When she's not protecting businesses from unexpected losses, Courtney can often be found doing this.
What is bartending?
This type of liability protects board members who generously donate their time and expertise, only to discover that lawsuits are apparently free to attend as well.
What is directors and officers liability?