Angie's Blog

Great Buy! Home in Flint, MI.

2008-06-19T10:50:09Z

Additional Photos:

1 of 11 Photos

Price: $35,000
5102 Western Rd.
Flint, MI
MLS# 06080887


1 owner home. Nice. 3 bedrooms, 1.5 baths, 1 car attached garage, finished basement, patio with awning for entertaining in private backyard, vanity sink in bath, central air, large closets, security system, priced to sell. Please see document book.

Open House:	0000-00-00
Time:

Map & Directions	Community Info
School	Nearby Retailers

HOME INFO

ROOM DIMENSIONS

Square Feet:	1100	Bedroom 1:	14*9
Style:	2 Story	Bedroom 2:	10*12
Bedrooms:	3	Bedroom 3:	12*13.6
Full Baths:	1	Bedroom 4:
Half Baths:	1	Dining:	9.5*9
Basement:	1	Family:
Garage:	1	Kitchen:	9.5*9
Fireplace:	0	Living:	20*12
Year Built:	1967

LOCATION

Addr., City, Zip:	5102 Western Rd., Flint, MI 48506
County:	Genesee
School District:	Flint, District Number 0

PROPERTY

Acres:	0	Subdivision:	Rollingwood
Lot Dimensions:	61x100x61x100	On Lake:

LISTING INFORMATION

For more information on this property contact:

Angela K Ridley
phone: 810 744 4600
email: angie@angieridley.com

Office
Complete Realty LLC
phone: 810 744 4600
fax: 810 936 4395
email: angie@angieridley.com

Bright and Clean home, Flint MI.

2008-06-05T12:44:37Z

Additional Photos:

1 of 5 Photos

Price: $60,000
3730 Delaware Ave.
Flint, MI
MLS# 05081467


Sharp Home, Bright color, Clean, Ready for new owners, Appliances Stay, Sidewalks. Fenced back yard. Basement has 1 finished room, den area. Visual Tour and Photos available. Sidewalks will take you to the park at the end of street.

Open House:	0000-00-00
Time:

Map & Directions	Community Info
School	Nearby Retailers

HOME INFO

ROOM DIMENSIONS

Square Feet:	954	Bedroom 1:	11.4*10
Style:	1 Story	Bedroom 2:	11*10.3
Bedrooms:	3	Bedroom 3:	10.6*9
Full Baths:	1	Bedroom 4:
Half Baths:	0	Dining:	10*8
Basement:	1	Family:
Garage:	0	Kitchen:	9.5*10
Fireplace:	0	Living:	15.6*14
Year Built:	1956

LOCATION

Addr., City, Zip:	3730 Delaware Ave., Flint, MI 48506
County:	Genesee
School District:	Flint, District Number 0

PROPERTY

Acres:	0.1	Subdivision:	Cathy Plat
Lot Dimensions:	50x50x100x100	On Lake:

LISTING INFORMATION

For more information on this property contact:

Angela K Ridley
phone: 810 744 4600
email: angie@angieridley.com

Office
Complete Realty LLC
phone: 810 744 4600
fax: 810 936 4395
email: angie@angieridley.com

	IDX Data ©Copyright 2004 FAAR Unauthorized duplication of these listings strictly prohibited. powered by HomeSurf USA
Detail: 16 -- Summary: 27 -- Total: 43

Proud parent bragging...son Christopher J Bowman

2008-05-19T21:27:17Z

Christopher In Fort Sill OK

Christopher J Bowman graduated from Army Basic Training May 15, 2008. What an amazing experience. My son is my new hero. Meet Heather, Chris's girlfriend. Christopher is a Davison MI High School graduate. Currently 20 years old.

Christopher is now in Fort Sam Houston, TX for Combat Medic Training. The training is 16 weeks then on to another adventure.

2008 Biking for Burns, Genesee County, Flint, MI

2008-05-11T17:43:12Z

The 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.

Looking west on Richfield Rd, only cycles are visable. Bikers making the turn at Richfield and Irish.

Foreclosure and Short Sales, talk to your lender...

2008-05-11T17:11:20Z

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.

1^st, 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...

2008-05-11T13:17:20Z

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 Homes

2008-04-29T16:42:01Z

Congratulations 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.

2008-04-23T12:06:17Z

Additional Photos:

1 of 6 Photos

Price: $117,500
308 E Lexington St.
Davison, MI
MLS# 04081057


This home is sharp. Fresh. Country setting in the middle of town. Backs up to park like city property, updates include bath, kitchen, windows, roof, flooring, electrical, plumbing and more. Dead End St. Home Sweet Home.

Open House:	0000-00-00
Time:

Map & Directions	Community Info
School	Nearby Retailers

HOME INFO

ROOM DIMENSIONS

Square Feet:	1179	Bedroom 1:	13*12
Style:	1 Story	Bedroom 2:	12*10
Bedrooms:	3	Bedroom 3:	11*10
Full Baths:	1	Bedroom 4:
Half Baths:	0	Dining:	14*10
Basement:	1	Family:
Garage:	2	Kitchen:	14*8
Fireplace:	1	Living:	22*15
Year Built:	1927

LOCATION

Addr., City, Zip:	308 E Lexington St., Davison, MI 48423
County:	Genesee
School District:	Davison, District Number 12

PROPERTY

Acres:	0.3	Subdivision:
Lot Dimensions:	126x126x102x102	On Lake:

LISTING INFORMATION

For more information on this property contact:

Angela K Ridley
phone: 810 744 4600
email: mailto:angie@angieridley.com

Office
Complete Realty LLC
phone: 810 744 4600
fax: 810 936 4395
email: angie@angieridley.com

MI Market Notes

2008-04-19T15:00:15Z

Quick 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 Neighborhoods

2008-04-19T14:11:02Z

MI 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.

Recruitment and Retention, Steve Harvey

2008-04-19T13:31:26Z

Steve Harvey: Recruitment and Retention, notes from the Michigan Broker Summit

Inform, Instruct and Inspire

To gain agents you must show them you have something to offer. Compensation is no the answer any more. They want someone they can learn from, not teach.

Stats per NAR: 1^st ¼ NAR lost 102,403 members

MAR lost 1690

#1 Broker Challenge: How to service smarter more informed clients.

Use facts, figures and charts for clear presentations to your agents as well as your clients.

Consumer will not pick an agent based on who mailed the best pie recipe post card. They are looking for one that can provide facts.

How do you answer the question: Why should I buy now if prices are still going down?

Because of the changing market, you may not financially qualify tomorrow for what you financially qualify for today.

The government is getting involved in the economy by lowering credit card and short term loans. The impact of this action the interest rates will raise.

Price Today $150,000 @ 6% = $899.53 per month
Price Later $138,000 @ 7% = $918.12 per month

MI 2008 Projected Foreclosures 28,239.
MI homes affected by the 28,239 is 1,442,570.

The 2008 waive of foreclosures is not because of loans, it's because the values are declining so people just walk away. The people that are walking away don't realize the market will come back and real estate is a cycle.

Helpful Sites: http://www.marketwatch.com/

S&P/Case-Sheller

http://www.currentmatters.com/

Sharp 3 bedroom home in Oscoda, MI.

2008-04-14T08:53:48Z

Additional Photos:

< Previous

1 of 5 Photos

Next >

Price: $59,900
421 Second St.
Oscoda, MI
MLS# 04080436


Sparkling clean, New Carpet & blinds, Ceramic tile in Kitchen, Bath and Laundry. Fresh Paint, Lots of Storage, Close to the beaches, the AuSable, State and Federal Land

Open House:	0000-00-00
Time:

Map & Directions	Community Info
School	Nearby Retailers

HOME INFO

ROOM DIMENSIONS

Square Feet:	1054	Bedroom 1:	11*9
Style:	1 Story	Bedroom 2:	11*8
Bedrooms:	3	Bedroom 3:	11*7
Full Baths:	1	Bedroom 4:
Half Baths:	0	Dining:	17*Combo
Basement:	0	Family:	Combo*9
Garage:	1	Kitchen:	12*8
Fireplace:	0	Living:	16*11
Year Built:	1953

LOCATION

Addr., City, Zip:	421 Second St., Au Sable Twp, MI 48750
County:	Iosco
School District:	Oscoda, District Number 661

PROPERTY

Acres:	0	Subdivision:	Village of AuSable
Lot Dimensions:	60x60x169x169	On Lake:

LISTING INFORMATION

For more information on this property contact:

Angela K Ridley
phone: 810 744 4600
email: mailto:angie@angieridley.com

Office
Complete Realty LLC
phone: 810 744 4600
fax: 810 936 4395
email: angie@angieridley.com

FHA 90 day rule, it has issues...

2008-04-12T12:36:45Z

The FHA 90 day flip rule is hampering business. 2 reasons to start with...

1. I don't know how other states work, in MI we have to file a Principle Property Exemption form by May 1st or the property taxes go up as being non-homestead.

I listed a beautiful home that is a flip home. I have had 2 people want to write offers but backed away when they learned the FHA rule. This home can not sell FHA until 050408. Their taxes will more than double if they purchase this home.

I can't even look at a FHA offer until 5/4/08, that's 4 days past the property tax file time.

2. Even if MI changes the tax rule, that home can't be sold until 050408, the purchasers may find another home before then. The seller again lost the purchaser because they had to wait 90 days.

Granholm passed a bill which allows 2 Principle Residence Exemptions as long as the sellers move, the former home is listed for sale and vacant. This is great for owner sellers. This bill allows this action for 1-3 years.

Flippers are fixing up neighborhoods, creating movement in the economy and getting punished for doing so.

How does this rule get changed?????

Flint MI Area Assocation of Realtors Mar. 08 stats are in!

2008-04-11T13:50:40Z

CLOSED SALES***
	2008	2007	2006	2005	2004	2003	2002	2001
January	326	282	302	324	274	327	181	181
February	394	340	307	347	340	299	215	215
March	444	448	460	523	439	402	450	372
April		447	417	562	485	462	505	401
May		404	482	582	513	448	556	462
June		468	490	592	671	481	592	497
July		415	412	486	577	523	531	424
August		476	515	607	615	546	510	510
September		339	429	576	540	488	403	403
October		414	474	459	528	545	416	416
November		381	409	408	488	386	343	343
December		343	387	401	497	441	365	365
Totals	1164	4757	5084	5867	5967	5348	5067	4589

Average selling price for Mar. 08 $86,867.00, YTD $81,061.34
For every 1 home sold, 15 are approx. available in Mar. 08.
There are approx. 6692 homes listed in Mar. 08, in Mar. 08 there were 7072. HUD homes are not included in the 08 stats.

These stats are flint the Flint Area Association of Realtors MLS system. These stats do not include the listed HUD homes or recently sold HUD homes.

MI RPAC at Work!

2008-04-09T15:26:18Z

RPAC: Working For You!

Governor Signs Important REALTOR® legislation:
Public Act 96 Provides Significant Tax Relief for Sellers;
Agency Responsibility Act now Public Act 90 and 91

Yesterday, Governor Granholm signed 3 significant pieces of REALTOR® supported legislation. First, legislation enabling home sellers to retain 2 principal resident exemptions for property still on the market after the seller has moved elsewhere in the state. The signing of this legislation is a huge step in aiding struggling sellers who have had homes on the market for over a year and have lost their principal residence status on that property.

House Bill 4215, now Public Act 96 of 2008 sponsored by Representative Ed Gaffney (R-Grosse Pointe Farms) enacts that the seller can retain an additional exemption for up to three years on property previously exempt as the owner's principal residence if the following circumstances are met:

the property is not occupied,
the property is for sale
the property is not leased or available for lease
the property is not used for any business or commercial purpose

The Michigan Association of REALTORS® (MAR) was active in pointing out to lawmakers that the struggling economy in Michigan has forced several home sellers to relocate to other areas of the state, in some instances continuing to market a home that they have not lived in for over a year. As a result, the home was no longer treated as a principle residence and the homeowner lost the principal residence exemption. Retention of an existing homestead credit for an unoccupied home that is currently for sale would offer relief to sellers who have had to relocate for whatever reason. The MAR is grateful to Representative Gaffney for being receptive and following through on this very important piece of property tax relief.

Secondly, the Agency Responsibility Act was signed into law. The passage of the legislation, now Public Act 90 and 91 of 2008, is a huge accomplishment for the MAR, and its success has been years in the making.

The ARA legislation is a product of a MAR Public Policy Task Force assigned with the task to provide a framework for consumer protection to all individuals entering into an exclusive agency relationship. As a regulated industry, there is an expectation from consumers that laws have been established to protect them from brokers that would take advantage of them. The ARA model clearly defines those basic duties and services owed under an exclusive agency agreement and provides for a uniform state wide disclosure form when the consumer and broker choose to waive any of those services. The implementation date for a revised agency disclosure form as well as the check-off waiver is July of this year. The MAR has already started the process to update the forms.

Representative Tonya Schuitmaker (R-Lawton) and Representative Barb Farrah (D-Southgate) introduced the two-bill bipartisan package on behalf of the real estate community. The MAR Public Policy team met with legislative leaders on both sides of the aisle to stress the importance of passing the bills in order to promote homeownership while keeping industry standards high.

These top industry priorities could not have been passed without your investment in RPAC. RPAC is the only grassroots and issues mobilizing force that exists to protect and promote the tradition of home ownership and real estate investment.

By investing in RPAC, you are able to support REALTOR®-friendly legislators who believe in our industry and believe in protecting private property rights, preserving the American dream of home ownership, fighting for tax reforms and reducing burdensome regulations on our business.

With RPAC, REALTORS® from across the state have the chance to come together and become active in the nation's most powerful and effective lobbying machine.

By becoming part of RPAC, you'll not only have the power to make a change in the way you do business, but you'll also become part of a statewide network-more than 27,000 members strong-that will link you with like-minded REALTORS® who share your concerns and issues. Thank you for your continued investment in RPAC!

Click here to contribute online

Disclaimer: Contributions are not deductible for Federal income tax purposes. RPAC contributions are voluntary and used for political purposes. You may refuse to contribute without reprisal or otherwise affecting your membership rights. Seventy percent of your contribution goes to your State Association to support state and local political candidates. Thirty percent is sent to National RPAC to support Federal candidates against
your limits under 2 U.S.C. 441a.