Jim's Blog

Please help to interpret what happened during Sheriff Sale

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Tue, 28 Jul 2009 22:30:44 -0500

I am embarassed to say I cannot answer one of my first time buyer's questions about a property. I am wondering if I could get some clarification from knowledgeable REO agents on what transpires during a Sheriff sale. Names and addresses have been changed to provide confidentiality, but the financial figures as shown in the tax records are true:

Property address: 123 Main Street

03/04/97 Property is owned by Happy Owners Trust, Mrs. Happy Owner Trustee, with a mortgage of $47,450 held by Miscellaneous Mortgage Company.

04/01/05 Quit Claim Deed from Happy Owners Trust to Mr. April Fool, with new mortgage of $74,400 held by Let Us Be Your Mortgage Company.

01/13/09 Sheriff Sale to New Player Mortgage Company for $52,500

01/29/09 Judge of Ill Fated County Sheriff Deed to New Player Mortgage for $52,500

Question: What happened here? Was there a real auction sale whereby the New Player Mortgage Company actually bought something for a real dollar amount of $52,500, being it was something they already held the first mortgage lien on to begin with?

Question: Did New Player Mortgage Company have to pay a full $52,500 plus all the normal closing costs associated with an arm's length sale in the same amounts any other buyer would have had to pay?

Or.... did New Player Mortgage Company simply pay a reduced amount in order to protect their position during the Sheriff Sale auction process? What did New Player Mortgage really pay?

PS: The reference property at 123 Main Street is now Active on the MLS for $17,200. My first time home buyer wonders how a property that sold in January of this year for $52,500 is now on the market for $17,200. Can you help?

Thanks for any and all help!

Where Eagles Dare To Fly - Live Eagle Web Cam

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Thu, 07 May 2009 10:06:40 -0500

The U.S. Fish & Wildlife Service has a live "Eagle Cam" that is positioned above a bald eagles nest located on the Potomic River about 75 miles from Washington DC.

What a treat to see a young eaglet as it grows into a beautiful specimen of the bald eagle, the great symbol of freedom and might of our nation.

Take a peek in from time to time as I do, in total wonder and awe.

http://www.myoutdoortv.com/explore-the-u.s./eagle-cam.html

What has happened to my electronic equipment?

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Mon, 20 Apr 2009 05:59:59 -0500

I've heard and read about electronic equipment malfunctioning whenever a spirit was present that somehow interfered with the electrical equipment. For example I have heard that during attempts to run a camcorder in a property being investigated by paranormal groups, the batteries of a camcorder would suddenly "go dead", rendering the camcorder useless.

Some years ago I was in the process of taking some listing pictures in a property that was rumored to contain some sort of spirit or energy form. After taking only about half the photos that I had planned on taking, my camera battery suddenly went dead and I could take no more pictures. That had never happened to me before, and this particular time the camera battery was fully charged before starting out.

Oh well, I got out my Dimension Master measuring device and began measuring a room. I was able to measure exactly one room until it quit working. Wow! First my camera, now my measuring tool, what a coincidence. No big deal, I switched to my Strait-Line Sonic Laser Tape. I took about two measurements and it too quit working! Three electronic devices quit working while in the same room of the property! Upon trying each device later in the day away from the property, all three worked just fine, without changing or charging any batteries. Let me say that every time I went into that house I had the strangest feeling. Some areas had a feeling of coldness. I often thought I smelled pipe smoke in some rooms, ladies perfume in other rooms.

Fast forward: Very recently I was waiting on my buyers to show up in order to show a property that was an estate. Of course it was vacant. I was accompanied on this outing with a friend, and we were walking around and turning the lights on. The decor in every room was very dated, very 1950-1960 ish. Once again I had that strange but familiar feeling that a spirit was present. The hairs on my arm were standing up, giving me goose flesh. For some strange reason while I was walking around with my 6-volt Ray-O-Vac lantern, I decided to chant the words from an old scary horror movie "Boo-get-y". I don't know why I did that, other than to remind the other person that I was with at the time that I had this strange feeling of something or someone else being there besides the two of us. After only three or four long drawn out "Boooo- Get- Y"s, my flashlight went out and stopped working! It had NEVER done that before. Needless to say I instantly shut up, realizing that maybe I was committing some sort of act that I shouldn't be.

Did the battery of my flashlight go dead? Maybe, but it was a relatively new battery. Did the bulb burn out? Maybe.... it could happen. Did the switch go bad? Maybe... that too could happen. Anyway, my memory did a flashback to the earlier time when my electronic equipment had suddenly quit working, and I decided I had better knock it off. I got another flash light from my car, and I kept my mouth shut during the rest of the time I was there, including the actual showing appointment after the buyers showed up. When my buyers arrived, they too seemed to sense some sort of weird feeling about the property, and dismissed it as one that would not hold a continuing interest for them. Once outside and in the safety of the bright sunshine, they admitted it was pretty creepy in there.

Wouldn't you know, when I got back home, my 6-volt lantern works perfectly?

Happy Easter everybody! From Coffy the Cutler Teddy Bear

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Wed, 08 Apr 2009 21:46:39 -0500

Question: Why did the elephant paint all of his toe nails different colors?

Answer: So he could hide in the jelly bean jar!

Question: Why did coffy paint his toenails all different colors?

Clue #1:

Clue #2:

Happy Easter everybody!

http://wherescoffy.blogspot.com

Where's Coffy? (12) Back home from his second trip to Jamaica, that's where!

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Tue, 07 Apr 2009 22:09:21 -0500

He's backkKKKKKKK!!!! YayyyYYYY!!!! Coffy has just returned from his second consecutive trip to Jamaica! Ann and Josh agreed to allow him to accompany them on their recent vacation trip. Thank you Ann and Josh!

Something tells me he had preferential treatment? Looks like he has his own seat on the airplane in this picture. The first leg of his trip was from Cleveland, Ohio to Key West, Florida:

Coffy is hoping he will get served a meal during his plane ride from Cleveland to Key West

He likes Key West! Could he maybe stay here instead of getting on the cruise ship?

After watching the movie The Titanic, Coffy keeps eyeing those life rafts nervously.

The sun is incredibly bright at Grand Cayman Island! He should have brought along some sun glasses.

Ah yes! That's what friends are for! His traveling companion lent a pair of sunglasses.

Yo ho ho and a bottle of rum! uh..... Looks like Coffy is feeling a little intimidated?

He's still waiting for some pictures to be developed from Jamaica. Check back soon. He'll be adding up his trip mileage to enter into his log journal.

Meyers Lake Condos for Sale - Jim Dvorovy Cutler Real Estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Thu, 02 Apr 2009 14:23:44 -0500

Have your thoughts turned to spring and summer activities? Do you think life would be better if you were living the great life in one of the condos at Meyers Lake?

There are some great Meyers Lake Condominiums available right now in all price ranges. Some are high end with lots of amenities, while others will fit the budget for those more cost conscious. There are some waterfront properties available from time to time.

Either give me a call or make an email request and I'll send along a list of all the active properties around the lake.

Jim Dvorovy , Realtor, Cutler Real Estate

email to: jdvorovy@cutlerhomes.com

Cell 330-685-4615

Deja Vu all over again! Maybe its the Luck of the Irish?

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Thu, 19 Mar 2009 19:14:29 -0500

What are the odds of this happening... Coffy will be on his way BACK to Jamaica! This time he will be taking a cruise ship leaving from Florida, and even get to stop over in Cozumel.

Perhaps its the luck of the Irish? I don't even know if Coffy is Irish, or even what he is for that matter. But he sure is lucky this week. A trip to Jamaica would ordinarily be considered a "Once in a lifetime trip" for most of us, but Coffy is going back next week! Not only is he going back to Jamaica, he will be going to Ocho Rios once again, a place from which he has just recently returned!

He will be gone for the week of March 22 - 28. Stay tuned for his latest pictures when he gets back.

If you are planning an out of the state vacation and would be willing to let Coffy go along, please let me know?

In the meantime, there is an expanded picture clue, follow the link below, guess where in Stark County the picture was taken, and win a certificate to a local restaurant:

http://activerain.com/blogsview/922881/Wheres-Coffy-11-Jim-Dvorovy-Canton-Oh-Real-Estate?

Thanks!

If only I knew then what I know now! Jim Dvorovy Canton Ohio Real Estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Wed, 25 Feb 2009 14:06:04 -0600

I was fortunate to be able to do something recently that I wish I could have done years ago! I tagged along during an FHA appraisal. I had approached our mortgage loan originator and mentioned that I sure would like to actually be present during an FHA appraisal and learn just exactly what the appraiser is really looking for during the property inspection part of the appraisal process. Within days she had hooked me up with an appraiser that agreed to allow me to tag along on his next upcoming property inspection that required an FHA appraisal.

With the tremendous rise in the number of FHA loan packages now being approved for buyers, it has become more critical than ever to gain a better understanding about the FHA loan appraisal process. Whether we are working with a buyer or a seller, it sure is nice to have an understanding of why a property will (or will not) qualify for an FHA loan, and what amount of repairs would need to be completed in order to allow it to qualify.

Up until the time I actually got to experience the process, lots of confusion kept swirling around in my mind due to all the war stories about FHA loans that I had heard throughout the years. Now I can feel tremendously better due to the knowledge that the appraiser allowed me to gain while he verbally explained to me each item he was looking for (and at) as well as why. During the process, he had told me about the need for the property to meet the minimum guideline of being safe, sanitary and secure. As he made his way through each area of the house, he pointed out conditions that he considered as simply being cosmetic items that would not need a notation on the appraisal form. He also went on to tell me about which items would need a notation, as well as why those items were not safe, sanitary, or secure. He also told me what action would be required in order to bring the noted item to minimum standards.

From now on when I am in the process of listing a property, I will feel a brand new sense of confidence in being able to help the homeowner address any items that need to be completed in order to make a property "FHA ready". Also from now on when I am with a buyer and showing homes, I will be able to point out which items they will need to either address or have the seller address should they be considering an FHA loan package. Since a greater percentage of loans are FHA, it makes sense for the seller's property to appeal to the maximum number of buyers by striving to have the property meet FHA guidelines. I can now provide a better level of service due to my new found knowledge to both buyers and sellers.

I owe a debt of gratitude to the appraiser that allowed me to tag along and for taking the extra time to explain the process to me.

Where's Coffy? (12) Jamaica Jim Dvorovy Canton Ohio Real Estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Tue, 24 Feb 2009 15:05:51 -0600

Coffy just got back from a super vacation trip to the island of Jamaica! He had traveled by plane with Eric and Tiffany and family and logged about another 3400 miles.

He enjoyed his stay at the Beaches Boscobel Resort and Golf Club which is about 10 miles from the town of Ocho Rios. Ocho Rios is about a two hour drive from Montego Bay.

This is one of his favorite hang outs during the week

Rules, rules, and more rules. Oh well, he still had fun despite of it all

AhhHHHH yes! A great way to beat the heat

Oh boy! A friendly face! This new pal is so much better than that character he met in Florida awhile back!

Are you attending the free National Real Estate Cyber Convention And Expo?

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Mon, 23 Feb 2009 14:19:40 -0600

Each February for the past several years I have attended the free online cyberspace convention. I first learned about it from reading one of my favorite sites BrokerAgentNews.com. I look forward to it each year and wouldn't want to miss it.

The graphics improve on a yearly basis, and it is almost like really being there in person. It is free to sign up and free to attend the convention, and free to visit the virtual trade show booths, free to listen to the scheduled speakers each day, etc.

It runs for a full seven days from Feb 22 - 28. Each day features a line up of speakers dealing with topics of varied interest. You've be able to visit the trade booths as if you were really there, and sign up for drawings, maybe purchase some material, etc.

Why not click on the link below, sign up, and browse the program, I am positive that you will be glad you did. Many of our AR members have benefited greatly, and I would appreciate their endorsement and recommendation for others to take part in the program. It is a great learning experience.

http://recyber.cyberconventions.com/

Thanks,

Jim

Happy Valentines Day! Pass It On!

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Fri, 13 Feb 2009 18:48:33 -0600

Somebody, somewhere would benefit much more than you could imagine if you would just simply let them know how special they are.

Who can you contact and let them know that you are thinking about them? How much might it mean to them if you were to wish them a Happy Valentines Day?

Coffy the Cutler teddy bear wishes you and your loved ones a very Happy Valentines Day.

Where's Coffy? (11) Jim Dvorovy Canton Oh Real Estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Sun, 08 Feb 2009 13:11:51 -0600

Where's Coffy? Be the first to identify the exact location of Coffy the Cutler teddy bear and win a certificate to John's Bar & Grill in Canton! *Though this post is in Localism for Canton, Ohio, a clue to the location in this picture: (somewhere in Stark County).

How the contest works: From time to time the amount of background in the picture will be enlarged and will provide a better clue as to the location. To see how a prior contest worked, visit:

Where's Coffy (8)

Certificate will be awarded to the first person that posts the correct location here in the comments section. The earliest documented comment time stamp will be used to award the certificate. To receive the certificate, winner should send contact information (held in confidentiality if requested) to:

JDvorovy@CutlerHomes.com

Due to the heavy snowstorm that blanketed the Stark County area the day before these pictures were taken, most of the "clue" is unfortunately snowcovered. Coffy insisted in participating in some Extreme Sport, and decided to make the most of the situation by sled riding. Check the bottom picture to see the clue for once the snow has melted.

He's off! Bumpety - bump - bump, ...bumpety - bump - bump, ... what a bumpy ride!

Whee!!! Talk about Extreme Sports! Evel Kneivel would be proud!

ooOPPS!!

The snow is all melted, and now you know what the Bumpety - bump - bump meant!

A little larger picture clue.....

A little larger yet.....

Where was Coffy? Malvern Park! Jim Dvorovy Canton Ohio real estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Sun, 11 Jan 2009 14:07:24 -0600

We have a winner! yayyyYYYYYY!!!!! Jerry C. has correctly identified the exact location where this picture was taken with my little friend Coffy the Cutler teddy bear! Coffy had spent a nice afternoon at the Malvern Community Park on a picnic, and had his picture taken on and near the tank.

Congratulations to Jerry for being the winner of the Grinders Above and Beyond restaurant gift certificate. Being a military man and a Viet Nam veteran, Jerry put on his thinking cap and remembered there is only one tank in the area so this contest was a cinch for him. Thank you for your service, Jerry, and welcome home!

The next contest will be starting very soon!

The big picture!

Coffy sitting on the other side of the tank

Malvern Park is a great place for a picnic or family outing!

Culter Mobile MLS Static Sticker 1-800-465-4556 Jim Dvorovy Canton Ohio real estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Sun, 11 Jan 2009 13:08:43 -0600

In an earlier post I have a video about the benefits of dialing 1-800-465-4556 in order to obtain audio information about literally any and all active properties in north east Ohio.

http://activerain.com/blogsview/820746/Cutler-Mobile-MLS-is-here-for-real-estate-in-and-around-Canton-Ohio

I have a supply of these Cutler Mobile MLS static stickers for each of my customers and clients that requests one. They are designed to be placed on your windshield, perhaps in the upper left corner where the oil change reminder stickers are normally are placed.

Cutler Mobile MLS static sticker

If you would like a sticker, please send a request by email (or phone if you prefer).

jdvorovy@cutlerhomes.com

Cell 330-685-4615

They Stole The Copper!

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Sun, 11 Jan 2009 10:17:49 -0600

This past week I had an opportunity to show a vacant foreclosure property to an investor that purchases fixer uppers for eventual rental purposes. The property is a side by side ranch type duplex. The exterior of the unit is in good condition with the vinyl siding and windows being in very serviceable condition. The unit also has newer roofing.

The living rooms and bedrooms in each unit simply require interior painting and new carpeting in order to make the residence decent, safe, and sanitary. However both kitchens, baths, and utility rooms (where the water heater and furnaces are located) need gutted, an will require all new fixtures and copper plumbing. Thieves have broken into the units and stolen the copper and the air conditioner units. They did extensive damage to the walls as they even broke through the drywall in order to get every last bit of copper they could find.

Kitchen sink has been removed and all copper stripped from underneath.

Copper thieves damaged the bath room fixtures and wall boards

Second bath damaged fixtures and wall by copper thieves

The other side of the bathroom wall where thieves were stripping copper.

Damage to water heater and wall

Is it any wonder insurance companies will cancel a homeownes insurance on vacant homes? The damage to a property runs in thousands of dollars to the homeowner when thieves strip out the copper.

Success on a Short Sale in Canton Ohio, Jim Dvorovy Canton Ohio real estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Tue, 23 Dec 2008 14:25:03 -0600

It was especially gratifying to complete a short sale on a cute little ranch home in East Canton, Ohio last week. The sellers now feel a tremendous amount of relief. They are free from the burden of no longer being financially able to make the payments on a property that once was their dream home. They can now move forward with new plans for the future. Sure, their credit will be bruised for a couple of years, but not as badly damaged had a foreclosure taken place. No one can predict the future, but my sellers may be able to purchase a home once again in two or three years.

"Help me to help the lender to help you!" (Quote - Will Weaver, Floyd Wickman Trainer)

The buyers are equally happy in that they now own a home with instant equity, and are enjoying the peacefull and quiet entitlements and benefits allowed by homeownership.

The loss mitigator is happy in that still one more non performing asset file has been cleared from her desk as she helped the lender to move out of the quagmire in which we all find ourselves.

A lot of people need to be thanked for contributing to this successful sale:

1) Floyd Wickman and Will Weaver for their Short $ale Survival Seminar. Will Weaver's words kept echoing in my ear: "Help me to help the lender to help you".

2) The seller that continually communicated with the lender in order to make it all happen. The seller certainly helped me to help the lender to help the seller. The lender helped me to help the seller.

3) The buyers who remained faithful and patient through it all during the bleak times.

3) The selling agent that skillfully and diligently represented her buyers and certainly went the extra mile as well as out on a limb in getting this property to qualify for an FHA approved loan. (Thanks, Linda)

4) The lender (CitiMortgage, Inc) and the loss mitigator (Thanks, Mia) Both were so very nice to work with. The lender helped me to help the seller.

5) Dan Forbes, REALTOR here on Active Rain, who had shared his wealth of knowledge about short sales with many posts about short sales.

The thing that made it all possible was that everyone communicated with each other!

We Wish You A Cutler Christmas! Jim Dvorovy Canton Ohio Real Estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Thu, 18 Dec 2008 08:42:33 -0600

Dateline Wednesday December 17th 2008, Canton Ohio. Dedicating these songs to all of our customers, clients, and friends not only here in north east Ohio, but the world over.

Join us as the staff and agents at Cutler Real Estate Fulton Rd office practice our Christmas caroling. (This video was taken at our Fulton office. We were just starting out to visit a few of our clients that have been gracious enough to allow us to help them make homeownership a reality for them, their families, and loved ones.)

PS: Don't forget to look for Coffy the teddy bear, as he certainly went along for the fun ride!

Merry Christmas everyone!

May you and yours have a very blessed Christmas!

FHA Appraisals in Canton Ohio Real Estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Fri, 12 Dec 2008 13:18:17 -0600

Sign, sign, everywhere a sign says... "Do this, don't do that...."

In our cold and wintry climate this time of year it is customary to winterize a vacant and unheated property. In order to keep folks from attempting to use the bathrooms in these vacant properties during showing appointments, signs are placed on the sinks and commodes stating "Do Not Use" and "Winterized", "Water Is Off", etc.

During a recent FHA appraisal, the appraiser took the signs at face value and did not even attempt to turn on the faucets to see if water was available. Instead he flagged the property as "conditional for reinspection to verify water utility was on"! This while I as listing agent was present the entire time. Uhmmm... somehow I was under the assumption that the appraiser surely would have known or maybe even guessed that the property was prepared for his inspection. As an industry insider, wouldn't he have known the vacant property's water lines and plumbing system needs to be protected, and wouldn't he have seen lots of similar signs in properties before? Wouldn't you think he could have asked me about the water or at least mentioned it?

That is reminiscent of the old Candid Camera skits where nonsensical and outrageous signs were posted at various places, and the camera would record how the unsuspecting people would obey even the silliest of those signs. I know from now on I am going to hide those signs!

When the "re-inspection" took place, I asked the inspector why that was flagged, and he admitted he didn't even try the faucets because of the signs. It's important to note that I am not criticizing the appraiser in any way, and I have done some very absent minded things myself and am sure to do a lot more in the future. It's just one of those zany things that can happen anytime, anywhere.

What was your strangest experience with a recent FHA appraisal?

Spring is only 3 weeks away for Canton Ohio's Meyers Lake condominiums!

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Thu, 11 Dec 2008 17:07:06 -0600

I know, I know! According to the calendar, spring doesn't begin until March 20th, 2009. Phooey on that.

In our office at Cutler Real Estate at 3930 Fulton Dr NW, Canton, Ohio 44718, spring officially begins on January 1st each year! We celebrate it on the first Tuesday after January 1st, which will be Tuesday, January 6th for 2009.

Why so early? Our Fulton Drive office statistics show that buyers are beginning to get antsy immediately after the holidays are over, and have more than a touch of cabin fever. Local Home Improvement shows will add fuel to the fire, which causes buyer activity to steadily pick up steam. Usually by February and especially March, there can be lots of requests for showing appointments. If you are considering buying one of the actively listed condominiums at Meyers Lake, now is the time to put those plans into place by becoming pre-qualified for a mortgage loan. If you need to sell your existing home first, NOW is the time to put it on the market. On today's date of December 11, 2008, there are six Myers Lake condo listings on "Active" status, ranging in price from a low of $99,000 to a high of $528,876.

If you are a condo owner with a desire to sell your condominium unit, an early start is also important for you! The longer you delay, the more the buyer activity drops off as mid summer advances into fall.

Because FHA loans are now the predominant loan package in our area, it is not uncommon for loans to take 45 to 60 days in order to close. What this means to owners of condominiums in the Meyers Lake area, your property should be on the market no later than January 6th so as not to miss the early bird buyers that want to be in and settled into their new condo residence before the first *real* day of spring arrives on March 20, 2009. You can imagine how those buyers will be eagerly anticipating living at the lake, and of course they will be wanting to savor every moment of spring and summer and celebrate the warm weather in their newly purchased condo.

Hurry spring!!!

Clue number 3 - Where's Coffy? Canton Ohio real estate

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Thu, 11 Dec 2008 06:48:03 -0600

Where's Coffy? Be the first to identify the exact location of Coffy the Cutler teddy bear and win a certificate to Grinders Above and Beyond Restaurant! *Though this post is in Localism for Canton, Ohio, our local CRIS MLS covers a nine county area. Coffy could be in any one of those nine counties, but a clue to the location in this picture in an earlier post narrows it to three possibilities. See the original post naming those three counties:(Stark, Carroll, or Tuscarawas)

http://activerain.com/blogsview/711374/Wheres-Coffy-8

JDvorovy@CutlerHomes.com

Where's Coffy?

Your Canton Ohio real estate homeowners insurance rates could decrease 10 - 15%.

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Sun, 07 Dec 2008 15:38:17 -0600

Feeling strapped by your annual homeowners and automobile insurance bill? Check this out:

News From Maconachy Stradley Insurance: Insurance companies are lowering rates in 2009. The Cincinnati Ins. company is going to lower their automobile and homeowners' rates in Northeast Ohio between ten and fifteen percent effective January 1 st 2009. If you have not looked at your homeowners' and automobile insurance rates now is the time to do so. You don't have to wait for your policy to renew in order to get competitive quotes on your insurance. In the event you find quotes that offer the same or better coverage at a lower premium you do not have to wait until the policy renews to switch insurance carriers. Insurance is paid in advance, meaning you will be refunded any unused premiums.

The person to contact is Justin Truex:

3205 Bretton Street N.W. Suite 100
North Canton, Ohio 44720
Phone: 330.966.5170 Fax: 330.966.1075

http://maconachy-stradley.com/whoweare4.html

A quick note about Justin: There has been several ocassions when buyers were simply moments away from closing on their property, and for various reasons either the cost of homeowners insurance or some other technicality prevented the buyer from obtaining their lender required homeowners insurance. Justin was able to cut through the red tape and was able to provide hazard insurance and get the transaction back on track and closed. Sure saved the day for the buyers, title companies, and brokerage firms.

Cutler Mobile MLS is here for real estate in and around Canton Ohio

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Fri, 05 Dec 2008 15:12:37 -0600

Cutler Mobile MLS! It's here, brought to you exclusively in our area of NE Ohio by Mortgage One and Cutler Real Estate.

You can have it now, for all listed properties in the nine county area covered by our local CRIS Multiple Listing Service system. (*This post is in the Localism post for the city of Canton, but this feature covers a much wider area just the city of Canton.)

What is it? Whether you are buying or selling a home, Cutler Mobile MLS is an innovative tool that we offer to our customers and clients free of charge. Simple to use, yet incredibly effective. Cutler Mobile MLS is an extension of our website and delivers audio real estate information by telephone 24/7.

Instant access and audio description to any listing in our local area by phone day or nite

No special equipment or subscription necessary

Works from any phone, anywhere

Easy to remember phone number

Your audio choice in English or Spanish

Simple to use.

What will you hear when you call the 1-800-465-4556 number? A complete audio description of the property with data taken from the local Multiple Listing Service. You will also hear about other special features and amenities that the listing agent may have felt was important enough to include for buyers calling for information. You'll hear about the number of bedrooms, baths, formal dining room, recreation rooms, square feet, price, etc.

I know that as a buyer, you may be hesitant about calling any numbers on a yard sign. Why do I know this? Even I as a REALTOR would be hesitant to call them, as I don't want another REALTOR calling me back either! If you'll allow me to set up your applicable cell phone number or home phone number in my own personal registry system, you will not be bothered with a call back if you instruct me to not give a follow up call. You will also be provided with a convenient static sticker for your car windshield so that you will always have the number to call handy. Remember, there is no subscription necessary, but if you allow me to notify the system beforehand to not have a REALTOR call you, you will not be bothered by a REALTOR calling you. It's that simple.

If you are a seller, shouldn't your property have its very own web page on our Cutler web site? This new feature alone will attract many potential buyers, and it is just one more way Cutler Real Estate stays on the cutting edge. Tomorrows technology is here today!

Imagine how super duper it will be to call on any property and obtain the information you want hassle free! Its here, you can have it NOW!

Watch a demonstration on using Cutler Mobile MLS.

Correcton: During the audio portion of the video above, I erroneously transposed two of the numbers in the phone number. The correct number to call is 1-800-465-4556

Saluting All Veterans! Thank you for your service!

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Mon, 10 Nov 2008 17:54:16 -0600

Are you a veteran? If so, this post is just for you! Do you know a veteran? If so, call them on November 11th and tell them you appreciate their service to our country.

Coffy the Cutler teddy bear is normally not one for maudlin sentiments, but he does want to take this opportunity to thank all the women and men who have served in the armed forces.

Coffy likes to travel as much as he can, and has just recently added still another state to his itinerary, the great state of West Virginia.

He was especially thrilled to visit VFW Post 6450 in Charleston, W. Va. where he paused more than a few moments to reflect the sacrifices made by all veterans that have served their country. At the post is a large replica model plane which is a part of the monument to all veterans.

You'll have to look real close to see Coffy in the direct center of this picture.

Once again, direct center

THANK YOU to all the veterans both past and present!

A short distance away is another attraction Coffy had read about in travel magazines, and was so glad he got to see it also. Take a look at the picture below:

Now THAT is one large teapot!

Where's Coffy? (10)

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Fri, 24 Oct 2008 13:02:18 -0500

Coffy has added another 2300 plus miles to his travel journal when he traveled to Florida with Chrissy and Jay! Not only that, he can now say that he has visited still two more states: Pennsylvania and Florida!

Via Christina Moock, REALTOR Cutler Real Estate (Cutler Real Estate):

Coffy made a trip to St. Pete Beach Florida from October 2 - October 9. The weather was beautiful- hot and sunny! Coffy stayed at the beautiful Tradewinds Resort- did you catch him on the live beach cam.

Before leaving, Coffy had a chance to meet his sisters- Angel and Annabelle. After a few sniffs they were best friends.

The next morning it was off the Akron/Canton Airport for the flight. We arrived in Tampa around 12:00 and picked up the rental car and some lunch and then it was off to the hotel.

Checking out the view from the hallway

Testing out the furniture

Coffy visited Tropicana Field.

Coffy ate pizza at Vito and Miichaels (perhaps the best pizza in St. Pete?).

Coffy also spent a few days recovering in the ER after a very bad accident. Somebody mistakenly thought Coffy was their lunch.

Coffy had an awesome time in St. Pete Beach. He is anxiously awaiting his next trip. Will it be with you?

Where's Coffy? (9)

Jim Dvorovy, REALTOR® Canton Ohio Real Estate (Cutler Real Estate) — Fri, 17 Oct 2008 12:35:57 -0500

Coffy made a trip to the Algonquin Mill Festival over the weekend on Sunday October 11, 2008! It was his first ever trip there and he had a lot of fun. The festival is held every fall at the Algonquin Mill Farm located just few miles from Carrollton, Ohio.

Sitting on the fence in front of the barn.

The train is due any minute!

All Aboarddddddddddd!!!!!!

"No, Coffy, you can't ride on the alpaca!"

Will someone tell Coffy he is supposed to be turned the other way?

Teacher's pet?