Great Buy! Home in Flint, MI.
Bright and Clean home, Flint MI.
Proud parent bragging...son Christopher J BowmanChristopher In Fort Sill OK
2008 Biking for Burns, Genesee County, Flint, MIThe 8th Annual Biking for Burns happened Saturday May 10, 2008. The event started at Perani Arena & Event Center, Flint, MI. It is estimated over 3000 bikes which made a 40 mile Motor Cycle Parade to Shriners Park in Clio, MI. The event was broadcast by WRS R-The Fox 103.9 FM. People lined the route, East on Lapeer Rd, North on Irish Rd, West on Richfield Rd, North on Genesee Rd, West on Mt. Morris Rd, North on Clio Rd, West on Dodge Rd, North on Jennings Rd, East on Vienna Rd, South on Lewis Rd, West on Wilson Rd to Shriner's Circus Park. I live on Richfield Rd, I am excited every year to see the heart the bikers have.
Foreclosure and Short Sales, talk to your lender...I am going to try to keep this post simple and basic. Each state and lender may have different laws and rules. I am consistently about people losing their homes because they are not seeking advice from a Realtor® or the lender. 1st, call the lender for arrangements. Ask for a temporary arrangement, if permanent will not be granted. Options: Deed in Lieu, the lender takes the deed with out foreclosure process; this could save the homeowners credit. Foreclosure: the process of a bank reposing a home. Stages: 1. homeowner is late on payments •2. 3-4 months later, bank sends account to attorney to start the foreclosure •3. ask the bank "Deed for Cash" homeowner gives deed, bank may give homeowner moving money •4. homeowner recieives notice of "Sherriff Sale" •5. at the "Sherriff Sale" the loan is purchased at auction, usually purchased back by the bank, then the bank can sell the property later to recoup loss •6. after "Sheriff Sale" is home is occupied, homeowner can redeem home for 6 months (home owner can repurchase home from bank) •7. ask the bank "Keyes for Cash" bank may pay homeowner to vacate premises •8. if home is not occupied, MI law says bank can take over 15 days after "Sheriff Sale" Can a homeowner sell during foreclosure? Yes, until the last day of the redemption period. Short Sale during Foreclosure: A short sale is when the bank will agree to take less then the homeowner owes the bank. Points to consider: Will the lender consider the debt paid in full? Is the lender going to attempt to recollect the difference? Will you get a 1099 from the lender? Will you have to pay taxes on the amount forgiven? Purchaser must prove financial situation has changed. Thank you Melissa, The Flint Journal...I would like to "Thank" Melissa Burden from "The Flint Journal". Melissa asked for my input in a story about Social Networking. It was honor to be contacted and asked. The article is the link and the information below is the information I sent. http://www.mlive.com/flint/stories/index.ssf?/base/business-5/1210479674257830.xml&coll=5 On May 5, 2008, at 12:31 PM, Angie Ridley wrote: Hello Melissa, Thank you for the opportunity to assist with your article. In addition to the information below, I belong to many rating services also. www.MerchantCircle.com , www.Naymz.com just to name a couple. I have been Internet Social Networking since 2006. The social interacting provides me with an opportunity to show the public and peers that I am an expert in Genesee County real estate. Blogging creates a personal relationship between me and my current as well as future clients. I have had clients call me from my www.AngieRidley.com blog (a www.realtownblog.com) because they see I like to camp or we have some thing else in common that the person calling read about. They meet me before I ever meet them. People are willing to share so much, so just have to want to learn. I learn, educated and advertise my sellers listing where I network. www.ActiveRain.com social network has 2 values. ActiveRain is a real estate driven blogging website. To access all features a participant must become a member. No fees are involved. The education on ActiveRain is priceless. I have learned web tricks and received useful real estate information. Comments blogged on ActiveRain can be for "Member Only" or Public. I post Flint real estate stats and listings on ActiveRain which upload to a public site called www.Localism.com . ActiveRain is a great place to generate referral business. Socializing on www.myspace.com assist me with communicating the younger generation. I am a Gen X, I am able to converse with Gen Y's over MySpace. It seem Gen Y's like facts and "just say what you mean quickly" responses. www.motorcityconnect.com is a place I can give and receive business referrals and education. This site hosts a calendar of free educational events. The Michigan Association of REALTORS® thought social networking was so important they created a group for Michigan Realtors on www.facebook.com Here we can discuss what is new with Michigan Real Estate. www.LinkedIN.com is a professional business network that is based on linking to each to create higher results for the search engines, as ActiveRain does as well. There is professional discussion, quick tips and more... www.Plaxo.com keeps your systems in sync, members active, and update to with what each other is doing. If you use Outlook, Plaxo will keep your systems in sync. I have 3 systems that I sync together with this system. If my friend Missy in Ann Arbor posts to her blog, Plaxo alerts me. My next venture is www.MLive.com forums. These forums are broke down by area and category. This will create close community ties. I add www.youtube.com clips in my blogs so people can get a visual about me. Again, they know me before the call. I have a Mobile Notary that I separate from the real estate brokerage so I have a free blog in www.wordpress.com to advertise that business with no expenses. I hear agents say, I don't have time to blog; I don't have time not too. I connect my www.AngieRidley.com blog to all other blogs I have, my business website www.CompleteRealtyLLC.com and my email address. I make myself very easy to find. All the blogs I have listed are free to all! MI Genesee County HUD HomesCongratulations to American Associates, Inc Realtors Builders- Randy Haney Broker/Owner, RE/MAX Select/ Paul Raymond Team- Paul S. Raymond, Relaty Executives- Ray Megie and Burrell Realty for winning the MI Genesee and Lapeer Counties HUD Listing contract. As always, Complete Realty, LLC is here to service any HUD Buyers as a Buyers agent for your home purchase. For a list of avaiable HUD homes in your area, please call 810 744 4600 or email Angie@AngieRidley.com Angie Ridley Home Sweet Home in Davison, MI.
MI Market NotesQuick notes from the MI Broker Summit Market Trends and Forecast Lawernce Yun, Ph D Chief Economist Prices are declining but not as fast as they appreciated. Homes sales are rising bringing down the inventory and stabalizing prices. The market is expected to start correcting now and finish in 2009. Top 2 reasons for foreclosure: •1. Loss of jobs (Michigan has loss jobs for 7 straight years) •2. Home prices declining, people just walking away when the price declines Now that homes are selling, prices will begin to stabilize. Nationally home prices in 2007 were the same as 2002. Jumbo loan rate sh/ be coming down soon. They can't of administration issue. The software is the issue. This should be solved April 09. New Home Construction is slowed. That's good. This will assist to stabilize current inventory prices. Homeowners benefit from Fed rate cuts, new home purchasers don't because the cut causes mortgage rates to go up. People can buy; they won't because of the fear factor caused by media. In Michigan, Unions are assisting in the economy struggle. Unions help existing jobs and scare away new potential employment opportunities. Leases, Due on Sale and Rent Free NeighborhoodsMI Broker Summit- Coffee with Counsel Notes from listening to Attorney Greg McClelland, Brian Westrin and Kelly Myers
Leases seem to be the newest why to scam in real estate. Scammers will give a consumer a lease with option to purchase never really intending to follow through on the sale. After the consumer has "leased" the property for a couple of years, the scammer causes a "Trigger Clause" to go into effect so the consumer loses the home and the option. Consumer loses all money invested. Remember when figuring a lease payment to include the cost of Non Principle Residence Exemption. Lenders are activating the "Due on Sale" clause even if a property is leased. Yes, they can. It is possible to get permission from the bank in writing so the clause will not be activated. The bank approval can happen with a land contract also. Rent Free Neighborhoods are popping up! 2/3s of a neighborhood can go to the local authority to request their neighborhood be declared a "Rent Free Zone". This is happening now. There is a case against this going up in front of the Supreme Court. |
Angie Ridley, Broker, Notary, Genesee & Lapeer Co Michigan Flint, MI More about me… Complete Realty, LLC Office Phone: (810) 744-4600 Cell Phone: (810) 730-4532 Email Me
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Looking west on Richfield Rd, only cycles are visable. 
Bikers making the turn at Richfield and Irish.
