Crystal's Blog

$15,000 Tax credit---will this work?

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Wed, 11 Feb 2009 12:25:37 -0600

The Senate has truly attempted to bring a kick into our somewhat slower real estate market.

This tax credit is not limited to first time home buyers, but all buyers in 2009. It is said to affect at least 500,000 buyers which should stimulate the market everywhere. It is a very powerful incentive and should get things going all around the country. As we have seen, the slowdown in the housing market has greatly affected all industries as it truly has become a trickle down throughout the economy. This will be a tax credit available to all purchasers of a principle residence for one year after its date of enactment. This would not need to be repaid and buyers could claim it against their 2008 and 2009 tax returns.

The purpose of this credit is hope to increase real estate sales, create jobs and create consumer confidence in the real estate market.

Crystal McCall

www.CrystalMcCall.com

Bunco Babes Ocala score Big for 1st Annual Charity Fundraiser

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Sun, 18 Jan 2009 07:34:25 -0600

Bunco Babes Ocala hosted a great evening for Realtors, their clients,closing agents, and many more lovely folks supporting Breast Cancer Research Foundation. It was a great evening of Bunco( a fun dice game), silent actions, door prizes donated by many local attorneys, physicians and merchants in the Ocala area. It was so exciting as Survivors were recognized for their fight against cancer! The heavy hors d'oeuvres were great featuring fresh vegetables, dips and swedish meatballs and provided by Woodlea Gardens. Great job providing healthy food. The overall winner received a Tacori Diamond Pink Ribbon necklace valued at over $ 2000 donated by Klaus Fine Jewelry located in Gainesville, FL. The best part about Bunco, the biggest loser also wins! Thanks again to all the great sponsors, Daniel Hightower, PA, Klaus Fine Jewelry, Christine Harter, PA, Woodlea Gardens catering, Yvette Gaya--Zoom Treatment, The Aesthic Center and Aqua Med Spa, Advanced Aesthetics, Graphics Plus and man y more local merchants. Attended by 200 folks, many dressed in Pink to support the event. This fun evening was put together by the Bunco Babes of Ocala. Looking forward to next year!

Short Sale Confusion

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Fri, 09 Jan 2009 13:36:52 -0600

SHORT SALE CONFUSION IS ON GOING

We are being overwhelmed with the media talking about "short sales" and bank foreclosures and yet there is a big difference between the two transactions. People tend to think that you will get the "best deal" if you can buy one of these properties. "Short sale" properties are any thing but a short sale! You have to be very patient and understand that the listed price is not what the bank has agreed to accept for this property as there is a deficiency between the mortgage owed and the sales price. Thus creating the short sale----the sales price is not enough to pay off the mortgage and the bank is short on the payoff and has to decide on what they are willing to loose.

Traditionally, listing agents place these properties on the market at any price they decide on, usually less than the going price for the comparable property. Then a buyer comes along and decides to make a "low ball" offer. Then the buyer cannot understand why the bank counteroffers, many times six weeks or three months later with a higher price than the listed price. This is because the bank rarely gives a seller or Realtor a price on the property until there is an offer. Not a very intelligent path of pricing but yet the banks have chosen to do this.

We have a few situations where the banks are getting their acts together and are now having a current appraisal done to assist the Realtor with marketing this property at an acceptable price. This is now called the "preapproved by the bank short sale."

The main requirement for a bank to entertain a "short sale" is that the mortgagor must be suffering from some type of hardship such as loss of employment or extended illness.

The main difference between the "short sale" and a foreclosure or bank owned property is a "short sale" property is still owned by the seller. A foreclosed or bank owned property has completed through the legal process of foreclosure and is owned by the bank and the bank can make all the decisions regarding the sale of the property.

Most important, when purchasing a "short sale" or foreclosed property, insist on a title insurance policy from a reputable title insurance company. This guarantees that the title that you are receiving for this property is free and clear of prior liens including any tax liens on the property.

In conclusion, look for foreclosed properties in order to avoid any challenges. These are ready to be purchased. The "short sale" can tie you up and cost you more in the end.

Crystal McCall, Keller Williams Cornerstone Realty

Realtor, CRS, CRB, ABR, CIPS, e-Pro, Cyberstar

Crystal@CrystalMcCall.com

http://www.CrystalMcCall.com

WE ARE DESPERATE TO SELL OUR HOME, WHAT DO WE DO????

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Tue, 18 Nov 2008 11:12:45 -0600

WE ARE DESPERATE TO SELL OUR HOME, WHAT DO WE DO????

This has become a daily challenge to many Americans across our country. We are very use to the
normal process of people selling their homes so that they can move up and buy a new home, just
because they want one. Today, we have families faced with the challenge of loosing their homes
not only because of changing mortgage interest rates which make it prohibitive for the homeowner
to pay the mortgage, but now we have job lay-offs, severe unemployment and many other factors
facing homeowners causing the feeling "we are desperate to sell our home, what do we do?"

Today we are experiencing the real estate market of "effective pricing". Many neighborhoods are
having foreclosed properties pop up all around them and these are the only properties selling, which
are causing the prices to decline all around them. Price Reductions are an urgent factor of successful
selling in 2008-2009.

I had the pleasure of spending some time with David Knox, an international sales trainer in the real estate industry at the National Association of Realtors convention this month in Orlando, Fl . He is a top authority on Pricing, Negotiating, and Selling Real estate and has trained for the Certified Residential Specialist cadre as a top instructor since 1979 and writes the courses for successful real estate agents all over the
world.

Knox has long been teaching the effectiveness of pricing the property correctly from the beginning.
He encourages sellers to review how many properties have expired this year as the competitions around
them have long sold while prices have been declining. What do you think would happen if the property
is priced great from the beginning? It would SELL!

We have long heard dialogue such as "Couldn't we just try it at a higher price?" "We can always come
down" and "they can always make an offer". Yes, all these things can happen but they do not today!

I have not heard one buyer say, "show me nice homes and then we can make an offer." The conversation
goes more like this, "I only want to look at foreclosures or short sales. My money has gone backwards
and I want a great buy or we won't buy!"

If you really need or want to sell, price it right from the beginning. Pricing is like the Electoral
College. It is fine tuned. Yes or no-sell or stay. There is no in between.

When you are pricing your property today, look beyond your personal needs and property. You have to
understand the Buyer is influenced by the media sharing stories of declining markets all over the
country. They do not discuss the area that has held its value. Look at the number of foreclosures in
your community and what you do not know, how many pending foreclosures that will come on the market
as your competition.

This is the time to focus on net gain. Not what your appraisal was in 2005. Price it in front of what
your appraisal would be today. Also, consider the absorption rate of sales in your market. Your local
Realtor can help you with this. You have to consider how many sales are taking place versus the inventory
available.

Consider the end, what you buy today to replace your current property, hopefully will be purchased in the
same lower priced market you sell in. The value increase expected over the next 5-10 years will then be
available for a gain in your market price.

Further information needed, please feel free to contact me at Crystal@CrystalMcCall.com or visit http://www.CrystalMcCall.com

Keeping In Touch & Marketing Tips

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Mon, 10 Nov 2008 08:24:42 -0600

Keeping in Touch with your Clients 2008

We all take advantage of the fact that we believe our clients (the folks who generate income for
our families and lifestyles) know how much we want to assist their needs and get compensated
for it but we are the only ones who really know this and our actions(or sometimes lack of)
determine what happens throughout the process.

We have heard so many times that in the real estate sales business you must have leads(or
contacts) to survive. Whether you are listing or selling you have to have someone to do
this with. Again, this brings us to dealing with the client. Our communication is so very
important. We need to attract them to us by great avenues of marketing and then offer them
something to keep their attention alive.

I had the pleasure of attending a seminar with Pat Zaby at the NAR Convention in Orlando on
November 8, 2008. Pat has been in this industry since 1968 and made all the right changes
in his business to keep in touch with me since I met him many years ago as a Certified
Residential Specialist in the early 1980's.

I have attended Pat's seminars and kept in touch through his email newsletters
(www.PatZaby.com) and believe he knows how to stay in touch with the people that
mean the most to us in our business. This week he shared many little tools that are free!
Yes, in times of tight budgets, FREE is the best thing we have going in our business!
Take a look at Jott.com. This is a great program that allows you as you are driving
down the road, your mind keeps thinking of all the folks you need to contact or send an
email to and you can auto dial a number and enter your thoughts through a voice message.
Jott Apps helps you stay organized the way that works best for you. Whether you want the
simplicity of a desktop list application in Jott Express, you are obsessed with your
iPhone or BlackBerry, or you live in Outlook or iGoogle all day, Jott has an application
that works the stuff you can't live without. Yes, another brain to keep you organized with
a better memory than you!

Here is a great one for all of us who just cannot remember things that we need to know!
Text 242242 which is ChaCha on your phone and wow---ask it anything! The answer will be
returned to your phone via text messaging. Why spend time wondering when you have all
this information right at your fingertips! Try it -it knows everything you want to know!

Here is another source that we all have seen advertised but I never realized that it could
be used for this application. www.gotomeeting.com. You can use this application to
present contracts, share your MLS stats instantly with a client to show them what you see
about SOLD properties and why they need to accept the offer and quit waisting valuable
maketing time. Great for folks out of town, overseas, or just too busy to have time
available to see you during your working hours. No more going out to get signatures
at 10:00pm at night across town in a storm!

Times are good and these are just a few tools that make a difference in our lives as
real estate professionals. If you would like any further information, please feel free
to contact me at Crystal@CrystalMcCall.com or check out one of our great websites
www.CrystalMcCall.com

(352) 547-1077 Direct Office Line

(352) 427-1010 Cell

Keller Williams Cornerstone Realty, 1918 SE 17th Street, Ocala, FL 34471

November 2008 Market Update

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Thu, 06 Nov 2008 12:11:58 -0600

NOVEMBER 2008, ELECTION IS OVER

Finally, we can focus on our lives again as we have a new President coming into office and whether your candidate won or not, the United States of America is ready to move forward. We need to come together as a people and support our nation. You will see a positive change in the economy and the real estate market as so many people wanted to see the results before they made their steps forward.

Here in Florida we are fortunate to have the "sunshine" which truly helps us as the weather chills all over the country. Many folks will relocate to sunny Florida just because we do not need to spend money on heating as they will in other areas.

Ocala, Summerfield and The Villages, FL are noted for their winter visitors who rent and purchase homes during this time of the year and they have already begun to inquire about properties for sale. The number one request is a "good buy" and we have been having great buys all year long. Our investment portfolios have changed and so have the property values. The Buyers are more concerned about the investment and have placed their emotional choices on the back burner.

Our local banks are lending money, in fact they still have very competitive rates. Please feel free to let me know if you need assistance as we have our preferred lenders who have done an incredible job in finding great loans for our clients.

The inventory is plentiful and the prices have truly dropped reflecting great buys for the Buyers of today.

Planning on buying? Now is the time as we make it happen.

For further information and available properties, please feel free to contact me at my email address Crystal@CrystalMcCall.com or go to our website www.CrystalMcCall.com.

Home Buyers Advice in Today’s Economy

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Thu, 30 Oct 2008 09:31:03 -0500

With a surplus of homes on the market, it is defiantly a buyer's market. There have never been so many opportunities to buy a home at such a reduced rate. Mortgage rates are low so what's that delay? Given the recent news with the mortgage crisis and bank failures, many banks have tightened their guidelines. But does this mean that banks aren't lending? No! Qualified borrowers are still getting loans.

If you are just starting out in housing market or are just wondering what the guidelines are in this market, here are few tips to get ready:

1.) Build a savings for a down payment: Yes, 100% financing is gone and will not be back in the foreseeable future. Buyers need to be prepared to put down between 5%-20% on a home to secure conventional financing with a bank. Those putting down the lower of the down payments will only end up paying more in mortgage insurance. Some buyer's who qualify will be allowed to put down a lower amount through FHA loans depending on the program.

2.) Emergency funds: With an uncertain economy, the latest advice to all home owners is to save at least 6 months of mortgage payments for emergencies. Banks like to see reserves; it gives them the added assurance that you have some cash flow. There are insurance plans out there that are available for coverage of the mortgage in the case of job loss (Job Loss Insurance), but as with anything, there is fine print and you may not qualify in certain situations. It's a nice idea to purchase something like this for added assurance, but the money reserves in the bank is the best way to protect yourself.

3.) Choose a qualified Mortgage Originator: Get a referral from people in the market - such as local Realtors , friends or trusted colleagues. Look for someone with plenty of experience and follow up with internet research to see if there is any feedback on them positive or negative. It's important to also make sure your mortgage originator will take your needs and situation into account when helping you choose a mortgage program. Make sure they have plenty of experience in working with FHA loans (FHA certified). FHA has guidelines that originators must go through to gain that status.

4.) Get Pre-qualified: Now that you have chosen who you are going to work with for a mortgage, it's time to get pre-qualified. This is the best time to learn how much house you can afford, what programs you will qualify for, what the rates and loan details will be and what you need to do to make the process go smoothly and quickly. You may find that in order to qualify for a better loan program, you need to make a few adjustments to credit or bills or, clear up an error. Plus you will learn what you need to gather for the bank in order to expedite your loan when you are ready to make an offer.

5.) Read the Fine Print: Sometimes mortgage programs can offer great deals with rates lower than everyone else, If it sounds too good to be true, it just may be. Check out the fine print on the mortgage to make sure you are getting the type of program you think you are. Some programs only offer a low rate for a certain period of time before it changes. Be aware of what program you are agreeing to before you make an offer on a house. A reputable mortgage originator should explain each program to you. Be an informed consumer and do your research before agreeing to a program.

6.) Home Shopping - Find a Realtor: If you are ready to shop homes, it's time to choose a Realtor. It's a good idea to find a Realtor who knows the market you are interested in very well. Make sure you communicate your needs to the Realtor ahead of time. Start with identifying the types of neighborhoods you are looking for, size of home, details such as schools or land and any amenities that matter to you. Realtors will be able help you determine if a neighborhood is a good buy based on its ability to hold its value or if it's on the decline due to excessive foreclosures or other issues - this gives you the opportunity to get the most for your investment. If its great deal you are looking for, it's a good idea to also look for a Realtor who is also specialized in short sales and foreclosures - they can search many databases to find you a great deal. When ready to make an offer, your Realtor will walk you through the process of the offer and contract contingencies.

7.) Lock that rate! Once you are ready to make an offer, speak to your loan originator about locking your mortgage rate. In these uncertain times of market fluctuations, a small increase can make a difference in payment.

Shopping for a home can be an exciting time. There have never been so many great buys on the market at once. When qualified, you will find yourself with many opportunities to get the house of your dreams. This is a buyer market so take advantage of what it has to offer!! Following practical advice with experienced, qualified professionals will make the difference between smooth sailing and choppy waters ahead.

If you are interested in learning more about the Ocala area and The Villages or want more home buying advice, please visit my websites Crystal McCall.com and Ocala Home Source or give me a call!

If you are looking for advice or want to take advantage of what the real estate market in the Ocala area and The Villages has to offer, don't hesitate to contact me! I will be happy to help.

Crystal McCall
Keller Williams Cornerstone Realty
Serving Ocala-Marion County, Summerfield and The Villages
Toll Free: (800) 391-8354 Ext:0
Local: (352) 547-1077 The Villages: (352) 267-7846
Email: Crystal@CrystalMcCall.com

How to Sell Your Home in a Challenging Market

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Thu, 23 Oct 2008 09:23:53 -0500

In our current economy we are facing many challenges. The housing market has been hit hardest yet many people still have to sell their homes for a variety of reasons. With so much housing inventory on the market how can you compete?

The key to aggressively marketing your home is to be flexible and competitive. Being willing to offer the buyers a great incentive, keeping things simple and by being willing to make a deal can make the difference on whether you sell or don't sell.

Here are a few ways you can be competitive and stand out:

1.) Get an experienced real estate agent to list your home - Despite the urge to save money on commission. FSBO (for sale by owner) is not proving to work in this economy. A Realtor will market your home. They have multiple listings services that get your listing out to be viewed by a larger audience. In addition to the MLS (multiple listing service), Realtors have many other marketing networks in place to capture the buyers who truly are qualified.

2.) Price it right the first time- be flexible - Choose a price in front of the current market value. This puts your property in a competitive position. In a weak real estate market, many home values have declined. It's important to understand what homes are going for in your market. Start with a comparable market analysis from an experienced Realtor who will know the home values in your market. You should also check out the competition. Look at how homes similar to yours are priced and see what recently closed homes have sold for. A good starting point for a market snap shot is Zillow. In a stable market, the seller has the luxury of "holding out for the best offer". In a buyer's market, home inventory is high, buyers do not bother to view homes priced on the high end of the market. Listen to your Realtor and price competitively.

3.) Cut out the excessive contingencies - Your listing contract holds contingencies that you specify should your home get an offer and go into contract. In this market, it is best to keep the deal as flexible and simple as possible. This allows the buyers the peace of mind that this sale will be simple and you are willing to accommodate them.

4.) Entice the Buyers with extras - Make your deal stand out among the competition by offering incentives. There are many things you can offer depending on your situation.
For example:
Offer a Buyers Home Warranty
Offer to pay part or all of the buyers closing costs
Offer to pay mortgage points
Fix things the buyer's request- such as broken doors, windows or screens
Offer money for larger fix ups such as carpet, painting or appliances in escrow or reduced the price to allow for it.

5.) Prep your home for sale - As an accredited home staging professional; this subject is near and dear to my heart as it has such proven success with my clients. If possible, have your home staged by a professional. We all have different types of decorating style, which is created through our own personal preferences. When you place your home on the market, you are trying to please the taste and desires of many people. You must view your home through the Buyers Eyes! Your personal theme most likely will not be what the Buyer is looking for. Home staging focuses on depersonalizing your home - almost like a model home. The idea is that Buyers will be able to identify color schemes, countertops and walls if you let their eyes find these things instead of your personal possessions. With so many homes to view, a good first impression helps to keep your home in the buyers mind.

Here are a few basic rules of thumb:

Your home must be clean and clutter free. I usually tell my clients about the 5 box technique- you can read about it in my blog here
It must smell good! Pet smells, smoke, moth balls, diapers, heavy cooking spices or food smells are a big turn off to prospective buyers. Invest in air fresheners, scented candles and air out the house as much as possible. It's also a good idea to get the carpets and drapery cleaned.
Secure the dogs for showings.
Don't forget the yard. The yard it the first thing prospective buyers will see when they drive up. Tidy the yard and add some inexpensive plants to planters or gardens for a neat, clean impression.

6.) Allow your home to be shown whenever possible - Add a lock box to your home so it can be shown when you are away. Leave the house during a showing so the buyer can test your home without feeling uncomfortable.

7.) Be prepared to go down in price - After a period of time on the market, you must be prepared for price reductions. Just like the price wars after holidays, you need to be prepared to offer price reductions on your home in stages. Listen to your Realtors advice. An experienced realtor watches the market closely and follows up with clients regularly.

If you have any questions or would like to speak with me about your home. Please contact me. I will be happy to help. I also have a lot of tips for sellers and buyers on my websites Crystal McCall.com and Ocala Home Source.

Crystal McCall
Keller Williams Cornerstone Realty
Serving Ocala-Marion County, Summerfield and The Villages
Toll Free: (800) 391-8354 Ext:0
Local: (352) 547-1077 The Villages: (352) 267-7846
Email: Crystal@CrystalMcCall.com

A must see quality home with a GREAT COUNTRY SETTING!

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Thu, 16 Oct 2008 10:53:09 -0500

Crystal McCall | Keller Williams Cornerstone Realty | 352-547-1077

4751 NW 67 Street, Ocala, FL

GREAT COUNTRY SETTING!

3BR/2BA Single Family House

offered at $254,750

Year Built	2007
Sq Footage	2,150
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	1
Parking	2 Car garage
Lot Size	Unspecified
HOA/Maint	$0 per month

DESCRIPTION

Sellers have been transferred and must sell! This home is nearly new, sitting on .46 of an acre. The home features vaulted ceilings, wood floors, office, game room, family room, formal dining room, and many other great touches! The master bedroom has 2 walk-in closets, and 2 vanities, and a luxurious bathroom, complete with separate tub and shower. The kitchen has a breakfast nook, granite counter tops, and stainless steel appliances. Other upgrades to this property are a water conditioning system, an irrigation system, and security system. Owner willing to do a Lease-Purchase option with considerable amount down. This is truly a must see quality home!

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	High/Vaulted ceiling
Walk-in closet	Hardwood floor	Family room
Bonus/Rec room	Office/Den	Dining room
Breakfast nook	Dishwasher	Refrigerator
Stove/Oven	Microwave	Laundry area - inside
Balcony, Deck, or Patio	Yard

ADDITIONAL PHOTOS

Seller contact info:

Crystal McCall

Keller Williams Cornerstone Realty

352-547-1077

For sale by agent/broker

Equal Opportunity Housing

Posted: Sep 11, 2008, 6:09am PDT

WHAT DO WE DO WITH OUR MONEY—WHERE DO WE INVEST?

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Wed, 08 Oct 2008 09:57:36 -0500

The Bailout Recovery Package has been approved and hopefully we can move forward with our lives. The big question out there is where do we put our money for tomorrow? Please do not leave it under the mattress! We have to build faith again in our economic system in America. The principal of "Buy low, Sell high" needs to be considered.

Ocala, Belleview, Summerfield and The Villages, FL are well supplied with home inventory. Currently it will take two years to sell the available inventory in our area. The average market time to sell a home is over nine months. The one thing we have going for us is that central Florida is still a very desirable location for all due to our great weather.

Yet, people still need to have a place to live and the needs to buy and sell real estate remain constant. Many folks are downsizing due to energy challenges all over the country. Younger families in growth mode still desire to take advantage of these current lower prices and are buying larger homes. The one thing that is prevalent in the market is that buyers are making more decisions based on pricing more than on the emotional factors of choice.

Have you looked at what is going on in our real estate market? There are so many great buys out there. Just remember to be cautious by using Home Inspectors, Real Estate Appraisers and of course Real Estate professionals who are experienced and can make sure that you take all the right steps to protect your investments.

When buying homes, look for the basic 3 bedroom 2 bath 2 car garage homes. These are usually the easiest to rent and resale. Also, consider owner financed properties. This was a very common practice when interest rates were up in the teens back in the 1980's. This will be terms that are available with older more established properties, not the victim properties of the past few years. Location is another important factor when buying investment properties.

The final question to consider, is the election really going to make a difference on whether you buy a home now? Many people believe that the election will change our market. I hope that many people understand each one of us has to contribute to the idea of change no matter what the results of our forthcoming election. One thing we can all be sure of nothing ever stays the same.

OCALA FLORIDA REAL ESTATE OCTOBER 2008 UPDATE

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Thu, 02 Oct 2008 10:15:09 -0500

The housing market is certainly experiencing an incredible challenge in North Central Florida.

The passing of the Economic Bailout Deal is not going to give us an instant band-aid. It will hardly ease the pain. There are currently over 2500 pre-foreclosure and Bank owned properties in the Ocala marketplace according to RealtyTrac, Inc which follows all the foreclosure and lis pendens (pre-foreclosure) transactions around the country. This is all represented in the failure of many banks and financial institutions along Wall Street. Many sellers are having to take the route of short selling their homes back to the bank as they are buried in debt, experiencing challenges with home owners insurance and increased property taxes and are unable to make mortgage payments.

How is this affecting the Ocala marketplace?

Buyers are very skeptical. They are slow in making decisions and concerned that the prices will continue to decrease. The media states loans are difficult to obtain, but we have not had any challenges with banks. If a buyer has good credit, a secure job and a twenty percent investment, they can get a loan. There are also some FHA programs allowing smaller down payments to qualified buyers

Sellers must price their homes competitively with like properties. Many home owners still believe they are excluded from what is happening in the money market along with the housing market. In order to offer a competitive sale, the property has to be below what has already sold and terms are essential. We are seeing owner financing reappear in the housing market and cash is always the best way to deal.

Daily evaluation and re-evaluation is essential for Realtors to keep up and inform the home owners and buyers of these current marketplace trends. Experience and knowledge are the key to being well represented in a ever changing market. If you are needing counseling or advice as to what to do whether buying or selling, it is imperative that you contact a very skilled and experienced professional to represent your interest.

GATED COMMUNITY IN THE HEART OF OCALA!

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Wed, 24 Sep 2008 12:24:23 -0500

Crystal McCall | Keller Williams Cornerstone Realty | 352-547-1077

2041 Twin Bridge Circle, Ocala, FL

GATED COMMUNITY IN THE HEART OF OCALA!

4BR/4BA Multi-Family, 1 units

offered at $774,950

Year Built	2007
Sq Footage	3,450
Bedrooms	4
Bathrooms	4 full, 0 partial
Floors	2
Parking	3 Car garage
Lot Size	.64 acres
HOA/Maint	$140 per month

DESCRIPTION

Nestled amongst the trees, this 4 bedroom 4 bath home was built in 2007. It’s a true beauty that you must see to appreciate.
The front yard features a coy pond and circular driveway. This luxury home has an elevator leading to the full suite that includes a sitting room. The master has extensive closets and built in storage areas, and overlooks the pool and lanai. The kitchen comes complete with top of the line stainless steel appliances, has a breakfast bar and nook for casual dining. There is a Summer kitchen out by the private pool, perfect for entertaining. An in-law suite, with a separate entrance, could also be used as an office. This home is ready for immediate occupancy.

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Walk-in closet	Tile floor
Family room	Living room	Bonus/Rec room
Office/Den	Dining room	Breakfast nook
Dishwasher	Refrigerator	Stove/Oven
Microwave	Stainless steel appliances	Laundry area - inside
Balcony, Deck, or Patio	Yard	Swimming pool

COMMUNITY FEATURES

Clubhouse	Swimming pool(s)	Lake
Gated property	Secured entry

ADDITIONAL PHOTOS

Seller contact info:

Crystal McCall

Keller Williams Cornerstone Realty

352-547-1077

For sale by agent/broker

Equal Opportunity Housing

Posted: Sep 23, 2008, 6:11am PDT

OCALA and THE VILLAGES FL 2nd QUARTER FORECLOSURE REPORT

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Mon, 15 Sep 2008 09:38:46 -0500

What is going on in today's foreclosure market? Based on the most recently released report from Realty Trac, the website that keeps us abreast of what is going on in the foreclosure market, things are just moving down the road. Foreclosure activity is up 14% in the second quarter of 2008:

"Florida documented the nation's fourth highest state foreclosure rate in the second quarter, with one in every 78 households receiving a foreclosure filing during the quarter - more than twice the national average. Foreclosure filings were reported on 109,433 Florida properties during the quarter, the second highest total of any state and an increase of nearly 25 percent from the previous quarter.

This definitely is placing a lot of activity of Buyers/Investors looking for great deals of which we are complying with the public's needs. Sellers want to sell and Buyers are looking for great deals and getting them."

Lenders have had a challenge to get the mortgage appraisals to agree with the current pricing but things are working as sales are closing. I strongly encourage that you work with a Real Estate professional who is highly experienced in assisting you with these pre-foreclosure and foreclosure purchases as many deals are not completed because of the lack of knowledge and understanding of what needs to be done in these transactions. I have dealt with these properties for over 25 years and know they change daily as to what needs to be done with each financial institution.

If you need assistance with dealing with foreclosures contact us at Crystal@CrystalMcCall or http://OcalaForeclosureSpecialist.com or http://VillagesForeclosures.com .

BUYING OR SELLING A HOME—WHICH COMES FIRST?

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Wed, 10 Sep 2008 16:31:05 -0500

Traditionally, we have been told that it was best to place your current home on the market, take the equity from the property and reinvest it in the next home you plan on buying. As we know, the current market in Ocala and The Villages, Fl is leaving many sellers with little or no equity or even negative value.

One fact that has become very evident, the purchase prices of today are becoming incredible. We are seeing great buys and it has become an outstanding market to buy real estate in. There are many folks looking for great homes to rent and this might be the time to turn your home into an investment property if it does not afford you enough equity in the current market.

Of course, you must have great credit to get a loan and this is a factor that must first be considered. Just today, my loan officers have contacted me to let us know that interest rates have dropped down to the 5% range. It has been a while since we have seen this and we do not think that it will last very long.

Renting your current home may be a good option in a buyers market until the market switches. This is the current trend for many people who want to buy with these great prices but they are not able to sell for a great profit. Renting your current property will hopefully take care of your debt service owed and cover most of your expenses leaving this as a lateral move and still enable you to take advantage of what is going on in our current market.

If you would like further information or need a great mortgage lender contact, please let us know.

Crystal@CrystalMcCall.com

Luxurious Farm in the Gated Community of Bradford Farms Ocala Florida

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Wed, 10 Sep 2008 10:51:16 -0500

I wanted to share a terrific listing with you that is in my portfolio. Look at this beautiful "smart house"in Bradford Farms complete with screened in pool, horse paddock, 3 stall barn and seperate gentleman's cottage or office. This home has a lot to offer!

Crystal McCall | Keller Williams Cornerstone Realty | 352-547-1077

9140 SW 52 Terrace, Ocala, FL

3.65-ACRE LUXURIOUS FARM IN GATED COMMUNITY!

4BR/3.5BA Single Family House

offered at $948,750

Year Built	2006
Sq Footage	3,800
Bedrooms	4
Bathrooms	3 full, 1 partial
Floors	2
Parking	3 Car garage
Lot Size	3.65 acres
HOA/Maint	$50 per month

DESCRIPTION

Welcome to this safe and secure “smart house” in Bradford Farms! Custom designed for casual living lifestyle in this well planned French country style. Design includes wood floors, tray ceilings, columns, kitchen with breakfast bar and nook, granite, stainless appliances including Thermador Professional Oven. Media/game room on 2nd floor. Indoor utility room with Bosch washer and dryer. 38-foot garage. Screen enclosed custom saltwater pool with waterfall. Master suite features a double-sided fireplace. New 3 stall barn, as well as separate Gentleman’s cottage/office.

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Walk-in closet	Hardwood floor
Tile floor	Family room	Bonus/Rec room
Office/Den	Dining room	Breakfast nook
Dishwasher	Refrigerator	Stove/Oven
Granite countertop	Stainless steel appliances	Washer
Dryer	Laundry area - inside	Yard
Swimming pool

COMMUNITY FEATURES

Secured entry

OTHER SPECIAL FEATURES

Gentleman's Cottage/Office

Salt Water Pool

38 Ft. Garage

New Barn and Tack Room

Paddocks

Property Fenced and Cross Fenced

ADDITIONAL PHOTOS

Seller contact info:

Crystal McCall

Keller Williams Cornerstone Realty

352-547-1077

For sale by agent/broker

Equal Opportunity Housing

Posted: Aug 19, 2008, 6:56am PDT

Shady Wood Ocala FL Dream Home---Below Market

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Wed, 03 Sep 2008 08:59:09 -0500

What a great buy in SE Ocala in this remodeled and update home nestled in the trees for privacy. The price of $218,750 which includes real hard wood floors, updated maple cabinets and Corian countertops in the kitchen, beautiful enclosed Sun room overlooking a naturally landscaped private backyard and brick fireplace. This property is close to both Munroe Regional Medical Center and Ocala Regional Hospital in addition to being close to SE schools including Forest High School, South Ocala Elementary School and St Johns Lutheran School.

Shady Wood is known for its great location and affordable housing for your family's needs. View great pictures and virtual tour of this home and others at http://www.CrystalMcCall.com or http://www.OcalaHomeSource.com . For a direct link to preview the quality of this home click here.

For further real estate assistance in Ocala, Belleview, Summerfield and The Villages, contact Crystal McCall and The Sold Team to meet your real estate needs.

Crystal McCall & The Sold Team
Keller Williams Cornerstone Realty
Serving Ocala-Marion County, Summerfield and The Villages for 29 Years!
352 547 1077   Ocala
352 267 7846   The Villages
352 547 1078   Fax
email: Crystal@CrystalMcCall.com
Website: http://www.CrystalMcCall.com

Do you want a Realtor or a Salesperson Representing Your Home Purchase in The Villages, FL??

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Tue, 26 Aug 2008 09:34:57 -0500

You are faced with decisions in choosing location and properties and now you must think about who to call when you want to buy a home in The Villages, FL. The Villages is a "retirement community" which is also called the Disneyland for adults located in Central FL, just south of Ocala and 75 miles north of Orlando. Golf is just one of the many activities that are available for mature adults looking for a fun lifestyle. Hundreds of homes are for sale with good prices but it is the "great deal" that you are looking for which can seal your emotional purchase.

The Villages is a development which has numerous sales people who work for the developer. Their first objective is to sell you a new property versus a resale or as they term quality pre-owned homes. The developer has built all of the homes and they are good construction. Some homes that are pre-owned have been customized. The most important thing that all Buyers should know: The Villages adds their own infrastructure bond to a new purchase which can be over $ 30,000.00 added to your expenses. Of course they let you pay this off over a time period for a competitive rate of interest, but in reality, you have added a mortgage to your property as this is a debt that you the owner incur.

As a Realtor, I do not work for the Villages but for the buyer looking for a great deal. I have found these bonds are very negotiable to a motivated seller. Some property owners have paid off their bond as they understand this is a tax and new owners of resale properties are not willing to pay the prior owners left over tax on the property.

A Realtor who is offering the buyer Buyers Representation should take the active role and negotiate the transaction for the buyers to make the deal work in your favor - not the developers favor.
Understanding the power of negotiating makes a big difference in what a new homeowner will pay whether buying a new home or a preowned home in The Villages. This can save you many thousands of dollars for a beautiful golf course home in this fun community of golf cart transportation, a lifestyle for mature adults.

Bottom line, you the buyer make the decision. Do you want the Villages Salesperson representing the owner or the Realtor with 29 years of experience who has sold over 2500 properties and represents you the buyer! It's your call.

Give Crystal McCall and the Sold Team a call today at 1-800-391-8354 x 0

Abundant Foreclosures from Ocala to The Villages

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Wed, 20 Aug 2008 08:51:41 -0500

Today's real estate market is abundant with terms of shorts sales and foreclosures and the best time to buy a property for a "good deal" is when it is an official Bank Owned property. This means it is completely through the foreclosure property, all appraisals have been completed, the bank has a completed file on the property and it wants to get this property off their books as soon as possible.

In the month of June, 2008, there were over 20,000 foreclosures filed in the state of Florida. These are homes both over the $ 500,000 price point with the best inventory in newer homes from $ 150,000 to $ 250,000. Many of these homes are brand new and never lived in and they are in great repair. Yes, there are those homes that have been stripped and abused and some of these are great buys but the new owner has to be willing to accept them in "as is" condition and willing to repair and improve at these discounted prices.

Summerfield, Fl which includes retirement communities of Stonecrest and Del Webb Spruce Creek Golf and Country Club and The Villages have been included in this overwhelming market of Foreclosures and Bank Owned(Real Estate Owned)properties. These are homes in golf course and retirement communities.

The difference in these properties and the "Short Sales" that the media describes is that the Foreclosed properties are ready to be sold. There is not a waiting period of submitting an offer and then waiting, sometimes 60-90 days for a counter offer which many times is greater than the asking price. Buyers are finding that these short sales are causing disappointment at the end of negotiation as the bank is truly not ready to discount the price at the time.

Looking for great deals in real estate in the North Central Fl market including Ocala, Summerfield and The Villages, Fl contact us at 352 547 1077 or email us at Crystal@CrystalMcCall.com.

Five Box Technique to Prepare Your Home for Sale

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Tue, 19 Aug 2008 09:23:07 -0500

Everyday we hear and read how challenging it is to market your home and we are all looking for a better way to make our homes show. As I show properties to prospective home owners, I am truly amazed how "motivated sellers" allow their homes to be previewed by a possible Buyer. The home is featured with unnecessary clutter all around.

Clutter and disorganization is not only a huge time waster (as stated in Revolution Health article by Laura Stack) and cause for stress, it is also a deterrent when showing the property in a market that is overrun with an abundance of inventory.

Stack offers the Five Box Technique which is very organized and efficient. First, take the opportunity to step back and review what needs to be better organized to make showings more effective. The five boxes method helps you systematically de-clutter and get everything better organized. Label the boxes as follows:

1) Put Away-- replace items out of place
2) Give Away-good condition, but of no use to you any longer
3) Store-items you will use in the future
4) Toss-broken, old or of no value to you any longer
5) Belongs here-items that belong in the area but need to place appropriately

Schedule this activity for one hour at a time and set your goals for this not to be a burden on your already overly taxed daily routine. You will see what a great difference this makes without spending any money to hire a professional to come and Stage your home. It will also make it easier to prepare your home for showings with minimal preparation.

Set the Stage. Show your motivation as a seller by the presentation.

Crystal McCall
Accredited Staging Professional
Broker Associate Keller Williams Cornerstone Realty

Central Florida Foreclosure Specialist

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Tue, 19 Aug 2008 09:19:12 -0500

Realty Trac, one of the nations largest Foreclosure Specialist has assigned Crystal McCall, Keller Williams Cornerstone Realty to handle Pre-foreclosed and Foreclosed properties in the Ocala, Summerfield and The Villages marketplace in Central Florida.

Realty Trac is the most comprehensive and convenient link to what is going on in the Foreclosure market today. They have the nations largest database of Pre-foreclosures, Auction and Bank Owned properties. Buyers using this network through Crystal McCall will be afforded the ability of purchasing properties 25-50% below market prices. Financing for these properties is easily to obtain and this is a great source for investments today!

If you are in the market for these properties, just give me a call! 1 800-391 8354 or visit my website, http://www.CrystalMcCall.com.

9140 SW 52 Terrace, Ocala, FL 34476

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Tue, 19 Aug 2008 09:09:23 -0500

Crystal McCall | Keller Williams Cornerstone Realty | 352-547-1077

9140 SW 52 Terrace, Ocala, FL

3.65-ACRE LUXURIOUS FARM IN GATED COMMUNITY!

4BR/3.5BA Single Family House

offered at $948,750

Year Built	2006
Sq Footage	3,800
Bedrooms	4
Bathrooms	3 full, 1 partial
Floors	2
Parking	3 Car garage
Lot Size	3.65 acres
HOA/Maint	$50 per month

DESCRIPTION

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Walk-in closet	Hardwood floor
Tile floor	Family room	Bonus/Rec room
Office/Den	Dining room	Breakfast nook
Dishwasher	Refrigerator	Stove/Oven
Granite countertop	Stainless steel appliances	Washer
Dryer	Laundry area - inside	Yard
Swimming pool

COMMUNITY FEATURES

Secured entry

OTHER SPECIAL FEATURES

Gentleman's Cottage/Office

Salt Water Pool

38 Ft. Garage

New Barn and Tack Room

Paddocks

Property Fenced and Cross Fenced

ADDITIONAL PHOTOS

Want to see more - for Visual Tour click here!

Crystal McCall

Keller Williams Cornerstone Realty

352-547-1077

For sale by agent/broker

Equal Opportunity Housing

Posted: Jun 19, 2008, 5:58am PDT

The Real Estate Market is Back on the Move

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Tue, 19 Aug 2008 08:59:38 -0500

Yes, Buyers and Sellers are experiencing activity in the North Central Florida market. Both retirement communities and traditional neighborhood homes are closing. Banks are doing financing because they realize that is the only way they can make money. Yes, you need to have great credit ratings if you are going to the financial institutions for new money. Also, there are private lenders willing to hold mortgages.

The inventory supply has declined a little due to sales taking place and unmotivated sellers backing out of the marketplace. There is also an abundance of foreclosure properties with many more to follow for the next twelve months in North Central Florida. This area was a large speculator nest during the years of 2005-2006. Many of these properties were built to "flip" and ended up flopping. The banks are foreclosing on these properties for much less than what the original loan amount was owed and are great buys for today's buyers.

Lets look at lenders and what are their plans. We are seeing a slight increase in interest rates and buyers need to consider buying today or the interest rates might be a disadvantage to your purchase. Buyers need to be very concerned at their credit scores as they are changing the way that your financials are being reviewed.

Real estate is still one of our greatest investments. This is truly the time to buy! Buy low! Todays' prices are great values and will be reflecting increased values within the next 36 months.

Home Resale What You Should Know

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Fri, 27 Jul 2007 03:41:53 -0500

Choosing and buying a new home is one of the most important steps you will make during your lifetime. Along with getting married and having a baby, it also ranks as one of the most stressful. And once you finally find the home of your dreams and settle in, you begin to notice all of the little problems you may have overlooked originally.

If you make the decision to sell, of course you will expect to receive the highest possible market vaue available for your area. But, unfortunately the things that made it your perfect home may not appeal to another buyer. So how do you make the correct choices to create appeal for the potential buyer?

Be careful before you sink thousands of dollars into remodeling or upgrades. Your home may outshine your neighbors, but that is not necessarily a good thing. If you price your home over the median price for the area in an effort to recoup your investment, it may actually end up driving buyers away. On the other hand, failure to update an outmoded residence or improve an awkward layout can also give a negative message to buyers. It is important to document all changes made to the home, providing a new buyer with peace of mind and conveying to them your pride of homeownership.

Other issues such as lack of security, privacy, or a view, the condition of the surrounding area, and declining property values can be more difficult to overcome, but not impossible.

No one will be knowledgable about the state of your local market than a qualified Realtor. Contact a real estate professional in your area for tips to increase your home's desirability and market value.

Is the Condition of the Housing Market Influenced by Media Hype or Local Trends?

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Fri, 04 May 2007 04:24:09 -0500

It seems everywhere you turn these days, there is another disturbing headline or negative prediction in regard to the state of the national housing market. We are set up to expect everything from a recession to another great depression, and everything in between. How are we supposed to separate media hype from actual facts and how much impact does the press really have on whether or not people are buying or selling their homes? If as some believe, the decision as to whether or not to purchase or place your house on the market is largely psychological, the repercussions of negative media statements may be partially to blame on the slowed housing market in some areas of the country. In reference to last year's housing slow down, Ellen Renish, regional Vice President for the National Association of Realtors (NAR) stated, "What happened to us is the media". But, how accurate is the media's portrayal of the national market for your area locally?

As an example, while headlines warned of a widespread bottoming out of the housing market, a comparison last year between a number of East and West coast states actually showed many of the westerly states reported increases in appreciation upwards of 17 percent while those on the east coast saw a decline in home prices. In other parts of the country such as California sellers continued to keep prices high determined to cash in on the appreciation boom of previous years causing the market to stall for a time as buyers largely refused to accede to their demands. And while current value is high in the Midwest, with large homes priced to sell at around $200,000, there have not been any increases in the number of sales reported likely because of the high number of job shortages and the ramifications to the local economies.

Contrary to the picture afforded by the media, the NAR is predicting the latter part of 2007 will actually show an overall strengthening of the market nationally. It is rumored that the worst part of the housing slump has passed, with the neighborhoods that benefited the most now showing the largest subsequent aftermath. As sellers become more and more willing to reduce their asking prices and interest rates stabilize there will be an increasing number of good deals to be found. It is just a matter of knowing when and where to look and who to ask.

Logic dictates if you want to know the facts about an area, its economy, its resources or its housing market, you must go to the source. It is just not feasible to believe that you can make an informed decision as to the condition of an area's market simply by reading the opinion presented by someone who does not live, work or study the trends in that place. When you decide to sell or buy a house, be sure to contact a trusted real estate professional in that area who can provide you with the knowledgeable guidance and direction necessary to make the process an effortless and even enjoyable one. Even if you are relocating to a new area, your Realtor will be more than happy to connect you with an affiliate who specializes in that locale.

Just remember when it comes to real estate it is true what they say, it is all about the location.

Reversing the Effects of Poor Lending Practices

Crystal McCall ABR,CRS,CRB,GRI,SRES,CIPS (Keller Williams Cornerstone Realty) — Wed, 18 Apr 2007 18:05:40 -0500

As people across the country begin to take notice of recent news involving the housing market and the state of the subprime mortagage industry, steps are being taken to reverse the economic damage.

Well-known fair housing advocate, the National Community Reinvestment Coalition have teamed with some subprime lending companies to encourage the establishment of laws to regulate nationwide foreclosure proceedings. This is in answer to the large amount of recent property reposessions upon homeowners with subprime loans. The legislation would still allow qualified borrowers to obtain mortgages while providing guidelines that will safeguard from predatory and unsafe lending practices. It could also afford those facing foreclosure the time and opportunity to receive a fair assessment of their circumstances prior to litigation.

Perhaps sensing the need for change from within, some mortgage finance companies have begun offering restructured fixed-rate mortgages to replace the high-interest, adjustable rate loans held by some of their sub-prime customers. In the long run, this will provide homeowners with poor credit ratings the chance to bounce back from the brink of foreclosure as they start to rebuild their borrowing history. Eventually, this will contribute to the reestablishment of our economy and the housing market on a national scale.

To search for properties or for further information on the local housing market in the Ocala, Marion County area, visit our main website at http://www.crystalmccall.com/.