Service Area: Southwest Michigan
Designations: GRI, Real Estate Broker Real Estate Appraiser Certified Marketing Specialist - Cendant Mobility Certified Relocation Representative - Relocation Resources International Certified E-Pro. (Website design & Internet Marketing Expert) Expertise: My current enterprise involves a wide variety of business challenges as a Residential and Commercial Realtor and a Financial Consultant. I serve both private and corporate entities and have caused many transactions in both Residential and Commercial Real Estate Sales and Leasing. I counsel several small business clients on a variety of financial issues including Market Feasibility Studies, Business Formations and Organization, Financial Structure, Debt Management and Capital Acquisition. Past Experience: In 1998 I concluded 38 years in Commercial Banking, the last 28 of which was as a President & C.E.O. I was, at one time or another involved in all banking activities, including all types of Lending, Strategic Planning, Marketing, and Operations, plus Human Resource and Asset Management. I was instrumental in the formation of a new bank and participated in several other Business Formations, Mergers and Acquisitions. At the time of my retirement I was supervising over 120 employees and managed over $200 million of Corporate and Trust assets. I personally originated hundreds of commercial & residential real estate mortgages during my banking career. Education: I hold a Bachelor of Science Degree in Economics from the University of Nebraska and graduate certification from the Wisconsin Graduate School of Banking, and the Graduate School of Bank Marketing at Northwestern & Colorado Universities. I also completed graduate level studies in several Management, Marketing, Sales, Real Estate, Law and various Financial subjects, including principles of the Investments and specific studies of the Secondary Mortgage and Mortgage Backed Securities markets. Since entering the real estate business full-time I have completed numerous real estate courses, including all classroom hours required for licensing as a Michigan Real Estate Broker and Real Estate Appraiser, and several studies of RE Law. Family Information: I have been Married 40+ years to Jane, a career long educator and now Substitute Teacher. We parented 2 children. Our son Rob and wife Suzanne parented our two grandsons. Our Daughter Susan uses her Masters Degree in Education quite well as a stay-at-home Mom. She and her husband Alan parented our two granddaughters. Residences: I have lived at Hamburg, IA; Lincoln, Grand Island and Omaha, NE; Alexandria and Northwest, VA; Grand Rapids, Coopersville, Elk Rapids and Richland, MI; Emporia, KS; Pensacola, FL and N. Manchester, IN. Present & Recent Civic & Church Activities: Board of Directors Member: Gull Lake Quality Organization & Richland Area Community Center; Board of Elders & Moderator of Finance Committee - First Presbyterian Church, Richland, MI; President -Wildwood Park Home Owner's Association, Richland, MI; Kalamazoo Institute of Arts, Gull Lake Country Club member; Ducks Unlimited Club-Banquet Sponsor & Committee Member. Past Public Service: Past Chamber of Commerce President (2 communities), City Planning Commission member (2 communities), a member of the Manchester College Presidential Search Committee and a Director of a Countywide Economic Development Corporation. In 1978 I became then Governor William Milliken's appointed Chairman of the State of Michigan Toxic Substance Loan Commission, a 4-year assignment. This commission was created by the Michigan Legislature to administer the lending of State Funds to individuals and corporations suffering economic losses due to exposure to toxic substances. I was also a two-term Rotary Club President. Fund Raising Activities: Numerous Church finance campaigns, the Heart Fund, several United Way Chapter campaigns, several Foundations, Professional PACs & Political Party campaigns, Manchester College, Rotary projects, the Boy Scouts, YMCA's, a Senior Citizen's Center and Ducks Unlimited. Hobbies/Interests: I enjoy philanthropic activities, church work, travel, golf, fishing, hunting, skiing and most of all, our Gull Lake home. I also have continued interest in Public, Political & Community service opportunities. Personal Statement: My diverse financial background, broad range of business and marketing education & experience equips me especially well to compete in the overcrowded Southwest Michigan Real Estate business. I am very excited with the momentum of my enterprise as I realize considerable specific success in my goal to deal solely in Southwest Michigan "Waterfront" Property. I have developed a sizable following of eager clients and prospects seeking this increasingly rare commodity. Although I am aware of many (what "Realtors" call) "Will-Sells" (not listed)I have urgent need to learn of possible other Lakefront property that might be available in all price ranges. I accept such knowledge in "total confidence". I invite anyone seeking or hoping to sell a Lakefront home or lot(s) in Southwest Michigan to contact me. Do this even if you have a friend in the real estate business. I will include your friend! The important thing - (if you are selling) is finding a buyer at your price, or (if you are buying) simply finding the right place at the right price. Because of my Internet exposure I have placed many quality lake homes in the hands of happy buyers. In the event you want me to represent your property, I have several very unique approaches that minimize the cost of sales yet delivers optimal net results. I limit my (client) caseload at any one time. By doing this my clients are assured that I have time to do what they expect of me. This increases the probability of success considerably. I reserve sufficient energy to also help prior clients, a few friends and close acquaintances market their homes, even if they don't necessarily meet my typical criteria. Whether a Buyer or a Seller, if I am not able to include you in my schedule I will refer you to one of my associates or possibly another Realtor or real estate brokerage who meets my performance standards & expectations. Allow me to make things happen for YOU ! Terry R. Carpenter |
Equal Housing Opportunity. Equal Opportunity Employer.