Ever wondered what sets a local, family-owned pharmacy apart from the big chains? Join us as we sit down with Colton Marcum, the passionate owner and pharmacist of Marcum's Pharmacy in Kingsport, Tennessee. From heartwarming stories about his grandfather, Carl, who founded the pharmacy in 1962, to the challenges faced by small business owners today, Colton, alongside his wife Catherine, offers a rich tapestry of insights. You’ll learn about the unique personalized services they provide, from customized packaging solutions to knowing their customers by name and going the extra mile even after hours.

Explore the importance of a strong team culture and community support in running a successful independent pharmacy. Colton shares how he and Catherine have cultivated a dedicated team and created a work environment that feels more like family. Discover the charm of the Tri-Cities area, which boasts a thriving community spirit and a surprising number of independent pharmacies. This episode is a treasure trove of inspiration for anyone captivated by stories of perseverance, community involvement, and the enduring legacy of family businesses. Tune in for an intimate look at what it takes to navigate the world of independent pharmacies and the timeless value of community relationships.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.

Are seller-paid commissions affecting your closing costs? Not at all! Tune in to Benchmark Happenings for an eye-opening conversation with Jonathan Tipton and Steve Reed from Benchmark Home Loans. They unravel the complexities of the National Association of Realtors Settlement and clarify its impact on real estate transactions. Discover the recent changes in VA loan regulations that now allow buyers to pay commissions, and why it's crucial to negotiate these commissions into the purchase price rather than adding them to the loan amount. You'll gain invaluable insights on how to ensure smooth transactions and proper compensation for agents by working closely with loan officers.

We also dive deep into the importance of a buyer's representation agreement for loan processing and approval, especially for VA loans, with a look toward its future application to other loan types. Learn why early communication between agents, lenders, and buyers is pivotal to preventing discrepancies and avoiding delays. With a special focus on customer service, Jonathan and Steve advocate for a concierge approach—ensuring constant communication and availability to create a seamless experience for all involved. Don't miss out on these essential tips for ensuring accurate loan estimates and achieving a hassle-free closing process.

To help you to navigate the home buying and mortgage process, Jonathan & Steve are currently licensed in Tennessee, Florida, Georgia, South Carolina, and Virginia, contact us today at 423-491-5405 or visit www.jonathanandsteve.com.