Lowell Overton's column "Lets Talk Homeownership" appears
weekly on OvertonFactor.com. Overton is a successful real estate broker, winning
numerous national awards. He has been featured in the California Association
of Realtors Magazine , and the television program "One on One".
by Lowell Overton may be reproduced and distributed freely, providing that each
reproduced article is presented in its entirety.