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bank owned: The foreclosures almost did me in - overcoming "burnout" - 04/21/08 06:29 AM
**Caution: Honest personal post ahead**To say it's been a rough 4-6 weeks would be an understatement.Towards the end of last week the stress I was feeling inside was something I hadn't experienced before and almost overwhelming. In the past 6 weeks I've logged over 1500 miles on my poor car. (I don't want to add up the gas costs as that may send me over the edge.)My clients and I have viewed 282 homes. That's right, 282 homes. Several offers have been written, only one of them accepted by the bank owner. Thankfully, the inspection is done and it will go (25 comments)
bank owned: Buying a foreclosure and the utilities are disconnected? - 04/19/08 02:41 PM
More often than not, when a home is bank owned the utilities to the homehave been turned off. I would venture to guess that in the Metro Detroitarea 75% of the foreclosed homes are without electricity, gas or water.Pre-planning when writing your offer to purchase the home and estimatingclosing and inspection time-frames is essential to not have to scramble laterfor extensions. (Most banks - asset managers do not like to give extensionson the closing dates. In fact, many have penalties imposed upon the buyersfor going beyond the date on the contract.) Plan your home inspection period for a minimum of 10 days (11 comments)
bank owned: Advisory committees for banks / REO managers? - 04/06/08 05:03 AM
Late yesterday afternoon while driving home after showing homes I had one of those “lightbulb” moments go off inside my head. (No jokes from the peanut crowd please) All of the homes I viewed were bank foreclosures with the exception of one lovely home. I jotted down notes on each home and realized that there were common issues as to why these homes have not sold and it wasn’t the price. If I was ever asked to sit on an advisory committee to banks & REO managers I would give them this advice: Keep the electricity on. Many homes in (19 comments)
bank owned: One-sided-itis: When a contract is favored heavily to one party. - 03/01/08 07:20 AM
Yesterday while going over a VA required offer to purchase contract and various addendums I thought of that word. One-sided-itis. I have never, and I mean NEVER, seen a contract more one-sided (of course heavily in favor of the seller) than I have with their mandatory contract to purchase. My buyer client and I spent over 2 hours going through the language in this 3 page contract and each time we went through it either she or I found something new that brought into play the simple fact that there was no protection for her as the buyer. Some of the things we (15 comments)
bank owned: It's sold? How can that be? - 02/28/08 05:27 AM
A phone call the other day illustrated to me once again how quickly our real estate market here in Macomb County is changing. The gentleman who called told me that he had been on my website frequently and had his eye on a bank owned home that was on the market. He said that he had been watching it weekly waiting for a price drop before he would call me to ask to see the interior. From the subject line of this article you can all guess what took place. While I was on the phone with him I looked in the (22 comments)
bank owned: Chesterfield Township foreclosures - bank owned homes for sale. - 02/20/08 07:33 AM
If you are looking for a wonderful home in Macomb County one of the communitiesyou may be drawn to is Chesterfield Township. As of the time of this posting, the following homes are on the market and are bankowned / foreclosures. Some of these homes are real bargains! There are 3 homes currently for sale in Chesterfield township under $100,000. Currently, there are also 41 homes for sale between $100,000 and $200,000. Homes for sale information courtesy of Mirealsource™ and it's participating brokersand real estate agents via the broker reciprocity feature.If you would like a list of these homes please feel free (0 comments)
bank owned: 2 short sale scenarios : Should they be treated the same way? - 02/10/08 10:54 AM
The names of the people below and their stories are allfictitous, but are examples of what real estate agentsare seeing and hearing in the Metro Detroit area on a dailybasis. Short sale sellers #1: Bill and Nancy have fallen upontough economic times. Bill lost his job when his automotivesupplier employer shut its doors 1 year ago. His unemploymentchecks recently ran out and although he's found a minimalwage job and Nancy has a minimal wage job they are unableto keep up with their $900 per month mortgage payments. Theyfall further and further behind each month and are makingdecisions each month on which (56 comments)
bank owned: Below zero tomorrow in Macomb County - what will I be doing? - 02/09/08 05:22 AM
Showing homes of course!Late tomorrow morning and into the early afternoon I will be with my buyer clientviewing homes. We have a "strategy" to combat the predicted cold front that will be moving in to our area:Dress in layers! Dress for comfort!Stop for hot cocoa!As most of the homes we'll be viewing are bank foreclosures, we already are prepared for the fact that the homes will not be heated. Frankly, it may even be warmer in the homes than outside of them. We're excited though. We'll be viewing 6 or 7 homes that all sound like theycould fit the needs of my (28 comments)
bank owned: Bank owned homes in Chesterfield Township - 12/21/07 06:00 AM
Home buyers are snapping up the bargains in Macomb Countys Chesterfield Township, the "Gateway to Anchor Bay". There are some wonderful homes for sale in the Lanse Creuse school district, the Anchor Bay school district and also in the New Haven school district. For a list of the bank owned - foreclosure homes for sale in Chesterfield Township please click on the links provided below.Homes for sale today under $150,000 Homes for sale today $150,000 - $200,000Homes for sale today over $200,000If you would like more detailed information about these homes or any others that peakyour interest please don't hesitate to (2 comments)
bank owned: The skinny on buying a HUD home - Part 2 - 12/20/07 04:17 AM
Wonderful news was announced last month with HUD homes for saleand FHA financing in Michigan and Ohio. I’ve spent some time with local mortgage specialist Mike Caira, and we believe we’ve gotten down to the nitty gritty of the program. In Michigan and Ohio you can purchase a HUD home for $100 downand if you are using an FHA mortgage HUD will also gift you with $2500that you may use towards your closing costs or to add to your downpayment to lower your mortgage amount. One area that Mike and I spent some time on was getting clarification from FHA on (6 comments)
Kris Wales - Macomb County MI real estate blog & homes for sale search site
a firm believer that the best real estate relationship is a
partnership. We work together to achieve your goals - whether
it be in purchasing your first home or selling your present
home to purchase another or to relocate.
feel free to email
me at any time. I would enjoy chatting
with you and getting to know you.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.