A couple of months ago I was sitting in a board meeting listening to an update from a couple of people who had been to a conference where Jeff Turner spoke. I had to laugh to myself; they discussed how important it is for our members to recognize the effectiveness of "Social Networking". They were so excited. I thought, I've been reading and implementing Jeff Turner's information for years now.
I have discussed "Social Networking" in our meetings before and was dismissed; it took Jeff Turner for them to see the light sort of speak. I'm sure Jeff put a better spin on the topic. I personally have learned from Jeff's postings, as well as Missy Caulks and many others from the ActiveRain community. Now I even give presentations to WCR groups about the importance of ALL networking and etiquette. Jeff allowed me to used one his videos in a meeting. Now that's sharing.
It's amazing what we learn from each other thanks to ActiveRain. Just today I researched "Realtor Floor Plans" because of the advertisement listed on the top of the page. I have researched it before, and then pushed it aside. Today, I sent information to my office agent and staff member, they loved it. Now it will be implemented.
Okay, I even cried when Todd Clark's family pooch died. A fellow ActiveRainer anonymously sent a gift card for his local Humane Society. WOW...
I called on Virginia Tatseos's new business to assist family members that lost their mom.
The ideas and information from ActiveRain has helped my business grow and success in the changed market. The research from sharing on ActiveRain is second to none. Thank you ActiveRain, Jeff Turner and all others that share information to assist others to succeed.
There is nothing sweeter in the world for home buyers than to hear the much anticipated words from their mortgage lender:
Clear to close!
Getting to that point though has taken a bit longer in my area (Macomb County MI) and I have a feeling it's the same for most of the country. Times sure have changed and we all need to be on our toes and be pro-active to understand what we can change and what we can't change about the mortgage process.
Below is a list of things that can (and will) slow down your mortgage process and delay the closing on your new home beyond the expected date:
Appraisal review: This is now the new normal. Once the appraisal comes back to the lender it most often goes in for an additional review by another set of eyes. You'll have another 3-5 business days of waiting out this process before you will hear those magic words.
Last pay stubs and bank statements: It doesn't matter that you gave your lender pay stubs and bank statements 30 days ago. Save each new one as you receive it and forward it to him/her immediately. It's much quicker and less stress on you if you just forward them over instead of waiting to be asked for them.
Verbal verification of employment: The day before or the day of closing the mortgage processor will make one last phone call to your employer to make sure you are still an employee. Unemployment is still high and the lender wants to make sure you have employment the day you sign the mortgage papers. (If your company is going to be closed down for any vacation time or holiday please let your lender know those dates.)
Homeowners insurance: A simple rate quote and declarations sheet used to be good enough for the underwriter to clear your loan to close. Not quite so simple anymore. Ask your mortgage lender for the specifics of what is needed by you and your insurance carrier 10 days to 2 weeks before your anticipated closing. (Most lenders will be happy to talk to your insurance representative - they all want to get it right the first time around.)
The best advice that I can offer a home buyer to help all of this go smoother? Keep in constant contact with your mortgage lender and buyers agent. Teamwork is truly the key to a smooth home purchase and hearing those magical words "Clear to close".
Angie Ridley, REALTOR® Honored with 2009 Leadership Citation
(Flint, MI - July 7, 2009) Angie Ridley, a Genesee County MI REALTOR®, has been recommended by her state for leadership service at the national level of the Women's Council of REALTORSÒ (WCR). This annual citation is awarded to a limited number of members who have demonstrated their leadership skills in WCR, the real estate industry and the communities they serve. Angie is currently serving as 2009 Michigan Women's Council of Realtors® President -Elect
About WCR Women's Council of REALTORS® is a nationwide community of 16,000 real estate professionals in 300 chapters who include many of the best and brightest in the business. Council chapters are established to be the local source of education and business tools focused on the needs of women REALTOR® entrepreneurs at all stages of development.
Mission We are a network of successful REALTORS® empowering women to exercise their potential as entrepreneurs and industry leaders.
Vision Through our influence as successful business professionals, women will effect a positive change in the profession and in the broader community
WCR is an affiliate of the National Association of REALTORS® and is headquartered in Chicago, IL. For more information on WCR, please visit WCR.org..
In addition to Realcomp's 11,500 member's listings, the service also includes all of the listings for the Flint Area Association of REALTORS® and Lapeer and Upper Thumb Association of REALTORS® in one search, about 12,500 REALTOR® listings. Thus making searching for homes for clients very easy. The public site is www.MoveInMichigan.com . Other searches available to agents include Ann Arbor, Jackson, Lenawee, Monroe and West Central Association of REALTORS® (Big Rapids).
Angie Ridley, Broker of Complete Realty, LLC is EcoBroker Certified® therefore Complete Realty, LLC has committed to being "Green" in the real estate industry. After we meet face to face, Realcomp's online forms (Instanet) auto fill all the paper work needed for purchases or listings. Complete Realty, LLC has the capability of emailing all forms for signature with electronic signature capabilities. Our clients save money on gas, time, ink and paper. A true money savings all while providing the face to face, one on one service clients deserve and aspect.
Complete Realty, LLC clients have access to all real estate documents 24/7. 24/7 a person can log into their account to review activities and documents. A calendar keeps the clients updated on task competed. This is also true for lenders, title companies and all others involved in the real estate transaction.
If a clients would like to search homes in a specific area, no problem. Give us the streets and we can map the prospective listings.
Technology is what we make it together. The real estate industry is changing fast. Complete Realty, LLC is here to assist all generations with transactions.
You never know where you will find "Green" technology. My client and I have viewed a few homes 5-6. We keep going back to the same home. The more we look at the home the more we realize the "green" features. Keep in mind; this is a previous owner occupied home, not "new" construction which makes this more interesting.
The construction of the pool room was constructed SIP style, structural insulated panels. SIPS are made in the factory. Constructed inside, weather is not a factor with materials. Insulation is foam or Styrofoam that expands between to pieces of OSB, Oriented Strand Board. SIPS can be used to construct all exterior parts of a home or building. The SIPS come in sections and provide easy installation, energy efficiency and cost savings. For more information please visit: http://www.epsmolders.org/3-sips.html Exterior Cedarwood siding provides for low future maintenance. The material doesn't rot.
Insulation with a high R factor is needed in northern climates. The higher the R factor the more efficient.
Al Serra Hummer has out sold every other Hummer Dealership in the United States for the 3rd year in a row! They sold approximately 900 Hummers. http://hummer.alserra.com/
With all the gloom and doom on the news, I hope this gives Genesee County a reality check. Try to eat at Logan's, Out Back Steak House, Olive Garden, ect on Friday or Saturday night with out having to wait 45 minutes to an hour. Record home sales are happening in Genesee County. Last year we had our 3rd largest transaction year, we are way ahead of the year to date sales this year already. The prices are down, we have to sell to level the prices out and create a demand.
My husband and I were attempting to find our kids a used camper for the summer. That was nearly impossible. The used trailers went like hot cakes and the salesperson at General RV Birch Run Michigan said the new trailers are selling just as fast!
I wish the news media would talk about these positive issues...
Al Serra, Congratulations for more reasons than one!
Picture perfect. Ready to move in. Fresh paint and carpet. Full clean repainted basement. Lots of windows. Just bring your furniture. Enjoy country living with all the perks of a city. Enjoy sidewalks to town. Nice backyard. Front and rear decks. Do you have a king size bed? Bring it! Open floor plan. Dining area is separated from kitchen, yet open. This is a must see!
Cable TV
Detached garage w/ electricity
Dining Room
First Floor Bedrooms
Full Basement
Master Bedroom
Pantry
Paved Drive
Private Road
Sidewalks
Smoke detector
Storm Doors
Storm Windows
Sump Pump
The information presented here is deemed reliable, though not guaranteed.
Complete Realty, LLC's policy is to provide list of individuals or businesses that provide various services. Complete Realty, LLC does not reccommend the services of these individuals or businesses, we our providing our clients and customers with choices. Always interview 2 or more individuals or businesses for any service you may need. The client or customer can never have too much information.
Super Sharp Home. All updates done. 3 closets in Master Bedroom. Large Fenced Backyard, Backs up to Woods, Lots of Windows, Priced to Sell, Ready for the Pickiest Buyers! This homes sits at the end of Merit Drive a non thru street, no traffic.
Attached Garage, direct access, electricity
Back Yard
Ceiling Fans
Central Air
Fenced Yard
Finished basement w/ Daylight windows
Forced Air Heating
Large Closets
Large Kitchen
Natural Gas
Pantry
Patio
Paved Drive
Public Water and Sewer
Range
Refrigerator
Shed
Washer/Dryer
Window coverings
wood stove
The information presented here is deemed reliable, though not guaranteed.
Complete Realty, LLC's policy is to provide list of individuals or businesses that provide various services. Complete Realty, LLC does not reccommend the services of these individuals or businesses, we our providing our clients and customers with choices. Always interview 2 or more individuals or businesses for any service you may need. The client or customer can never have too much information.
A simple delight. The question is "What if your imaginary friend from childhood was your one true love?
If you like happy endings, you'll love this love story. Michael is there to assist Jane through childhood. Michael leaves Jane when she turns 9; she is supposed to forget him. All "imaginary" friends are forgotten.
Jane talks about all the insecurities women have.
Michael returns. Why does Jane remember him? Why did he return? Why does he bleed when shaving? Snap, there's money.
If you enjoy ice cream and diamonds, you'll appreciate "Sundays at Tiffany's".
The book took me about 2 days to read. Since I am camping I like the idea that I don't have to think too much while reading. Jack Reacher is a character in a couple of Child's books. Lee Child has a series in the process.
Jack is a veteran wonderer. From military to wonderer. He travels by foot, purchases clothes as he needs them. No baggage, no fuss, or so he thought. He wonders into 2 small towns, Hope and Despair. Despair has a secret. Hope employs a lovely police women. Jack goes up against a whole town of Despair.
What could a quiet recycling plant in the middle of Colorado be making? Why is there a military post at the entrance of the plant? Why does one man own everything in Despair? Will Jack fall in love?
The book has action and tender moments. Jack is a man's man and a women's unknown hero. I would recommend the book for summer reading.
Real Estate Information. Listings, What"s happening in the market and more!!!!! I have questions and maybe some answers for you too! Get great free widgets at Widgetbox!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
.jpg)
;)
;)
