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realtor: Getting your home ready to Sell - 05/10/10 02:31 PM
GETTING YOUR HOME READY TO SELL
Outside
Make a good first impression, whether buyers are driving by or finding you on the internet or on the MLS listing. Whatever impression you make will be a lasting one and may determine if the potential buyer will want to come inside and investigate further the possibility of buying your house.
Curb Appeal -When a buyer gets a list of homes for sale from their agent or online and drives by to take a look, with one quick glance the buyer decides if he wants to go inside to consider your … (3 comments)
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realtor: Want a bigger tax refund check? The Buyer tax credit is still available! - 03/02/10 11:00 AM
If you are a First-time buyer, see definition below. You have until the end of next month, April 30, 2010 to find a home and get into contract. As long as you close by June 30, 2010, you can have $8,000 or 10% in your pocket.
TAX CREDIT Defined – Dollar for Dollar reduction in taxes. This is not the same as a “tax deduction” This is REFUNDABLE, which means if you typically get a refund, you could receive an $8000 increase in that refund.
This is a great opportunity and now is the time to buy:
… (0 comments)
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realtor: I have moved to the RE/MAX at the Greene - 02/01/10 06:25 AM
I have moved to the Greene. RE/MAX Victory at 51 Plum Street in the Greene. You can find my new office right above Caribou Coffee!
Please feel free to stop in and see me and I’ll buy you a cup of Jo!
I am excited about the move and of course I love being a RE/MAX agent, so you can expect the same great service by yours truly. We have great tools for marketing your home at RE/MAX, as well as many years of experience in making sure you are taken care of through every detail of your … (0 comments)
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realtor: Facts about the $6,500 Expanded Tax Credit for Repeat Buyers - 11/25/09 07:49 AM
To qualify for the new $6,500 Move-up/Repeat Buyer Tax Credit, you must meet the following criteria:
* Repeat buyers must have owned and resided in their primary residence for 5 years out of the past 8 years. This does not have to be the last 5 years, but any 5 years out of the past 8 years.
* You do not have to buy a home that is more expensive than your current home.
* You must be in contract for your new home by April 30, 2010 and close by June 30, 2010.
… (1 comments)
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realtor: Things to consider when Buying your First Home - 10/27/09 08:04 AM
Things to consider when Buying your First Home
Your Budget and Financial Picture. Buying a home can be a good financial investment and will likely be your largest asset in the future. There are also great tax benefits to enjoy while you own your home. Use this calculator to see how much you can afford www.lauriehomesales.com
2. Get professionals. Ask family and friends about professionals that they know and trust.
You will need a knowledgeable REALTOR agent. A real estate professional will really help you with the entire process. They know the area market … (1 comments)
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realtor: 4 Bedroom Home in Kettering - 09/30/09 11:35 AM
SOLD!!!! 1009 Mendota Court, Kettering OH $110,000
Directions - Wilmington Pike just north of Forrer to East on Mendota Ct.
You have to see this 4 bedroom, 2 Full Bath Home! 1184 square feet per county record! The eat-in Kitchen has built in china cabinets and there is a separate utility room. There is a lot of storage space in this home, including a pantry, linen closets, a hall coat closet and a walk-in closet on the 2nd floor. There are 2 bedrooms and a full bath downstairs and the same upstairs! The rear yard is fenced … (0 comments)
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realtor: For Sellers - What is the right price for your house? - 11/07/08 06:30 AM
It's important to carefully look at your neighborhood activity, before deciding on a price for your house.What you paid for the house + improvements you have made to the house DOES NOT EQUAL the selling price of your house.You should seek out a Competitive Market Analysis (otherwise known as a CMA) of your area, take a look at active, expired, pending and sold listings.The active listings are obviously your competition.Take a look at the expired listings and be sure you don't follow their lead on price, since you actually want to sell your house, instead of it expiring.The sold listings is … (0 comments)
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realtor: The real estate market - trends - 07/23/08 03:24 PM
Below are some numbers that I found to be pretty interesting. The housing market has been consistent over time with appreciation and continues to be a great investment.
Similar to other long-term investments, real estate will have it's ups and downs, but over time will increase in value.
Here is The Current Median Sales Price of U.S. Homes (found on Realtor.org)
WEST - $341,300
MIDWEST - $165,300
SOUTH- $185,000
NORTHEAST- $276,800
National Trends in the US on Average Home Value
1990 $95,500
1995 $112,900
2000 $139,000
2005 $219,600
2007 $222,600
Purchasing a home is a good investment
because it builds equity over … (0 comments)
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realtor: Off to a successful Closing! - 07/07/08 01:51 PM
Steps to a Successful Closing
You have finally found that perfect home, signed a purchase agreement, had your inspections and received approval on your mortgage. Congratulations! You are almost there! The only thing that awaits you now is the closing - where you officially receive your property and you have some documents to sign.
Here is an overview of what will be taking place once the closing date has been set:
•· A survey of the home's property will be conducted.
The title will be researched to verify the seller actually owns the property and that there are no claims on … (0 comments)
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realtor: Dayton Area Information - Web links - 07/07/08 01:47 PM
I have put together some web site links to area information on Schools, parks, organization,etc. I hope you find them helpful.
Area Information
Beavercreek http://www.ci.beavercreek.oh.us/
Belbrook http://cityofbellbrook.org/
Centerville http://www.ci.centerville.oh.us/
Dayton http://www.ci.dayton.oh.us/
Fairborn http://ci.fairborn.oh.us/
Kettering http://www.ci.kettering.oh.us/
Miamisburg http://www.ci.miamisburg.oh.us/
Oakwood http://www.ci.oakwood.oh.us/
Springboro http://www.ci.springboro.oh.us
Yellow Springshttp://www.yellowsprings.com/
Schools
Ohio Department of Education
http://www.ode.state.oh.us
Ohio School Report Cards
http://www.ode.state.oh.us/GD/Templates/Pages/ODE/ODEPrimary.aspx?page=2&TopicRelationID=394
Ohio School District Map
http://www.puc.state.oh.us/pucogis/statemap/sdist_e.pdf
Beavercreek Schools http://www.beavercreek.k12.oh.us/beavercreek/site/default.asp
Bellbrook Schools (Sugarcreek) http://www.sugarcreek.k12.oh.us/sugarcreek/site/default.asp
Dayton City Schools http://www.dps.k12.oh.us/cms
Fairborn Schools http://www.fairborn.k12.oh.us/
Kettering Schools http://www.kettering.k12.oh.us/
Miamisburg Schools http://www.miamisburgcityschools.org/
Oakwood Schools http://www.oakwoodschools.org
Springboro Schools http://www.springboro.k12.oh.us/
Yellow Springs Schools http://www.yellow-springs.k12.oh.us/
Local Organizations
Dayton Area Chamber of Commerce … (1 comments)
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realtor: The better your credit score, the more loan options - 07/07/08 01:33 PM
What is all this about Credit Scores??
In short, the better your credit score, the more loan options you will have to choose from.
•· know your score
•· take steps to maintain good credit .
What Determines you Credit Score?
•· Your history of how you handle credit obligations (credit cards, car payments, etc.)
•· Your income-to-debt ratio (a comparison of how much money you make to your expenses).
•· Compiled information -Credit bureaus compile a record of debts from credit card companies, banks, department stores and other firms. This information appears on your credit report, so it shows whether … (0 comments)
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realtor: You should get pre approved before you shop! - 07/07/08 01:29 PM
Get Pre-Approved Before you find your perfect home!
Before you begin looking for a new home, it's a good idea to determine what you can afford.
If you have not yet determined your housing budget, I am available to provide assistance helping you arrange financing. Determining your purchasing power now will set the stage for a smooth home buying process.
Get Pre-Approved: The lender checks credit, verifies employment and verifies that you have sufficient funds to close. Pre-approval can cut days, even weeks, off the closing process and give the advantage you need if you're bidding on your dream home against … (0 comments)
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realtor: Managing your credit score - 07/01/08 09:22 AM
Managing your credit score
Te first step in managing your credit score is to know where you stand. Everyone is entitled to 3 free credit reports per year.
annualcreditreport.com is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer "free" credit reports, but may charge you for another product if you accept a "free" report.
Figure out the facts
Take a good look at the date on your report. Credit … (0 comments)
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realtor: DUMP THE DEBT - 07/01/08 09:02 AM
Get rid of YOUR DEBT!
The one we always hear... WHOA on the CREDIT CARDS! I have heard the adage from every direction that if you want to get out of a hole... STOP DIGGING!
STOP DIGGING TIPS!
Carry Cash - give yourself a weekly cash allowance and you'll be more aware of how much you spend. Plus once you run out of money, you're more inclined to stop spending! It's very easy to overspend when you just run a card through a machine!
When only plastic will do.... Use a debit card, instead of a credit card.
LEAVE YOUR CREDIT … (3 comments)
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realtor: Homeowner's Top "To Do" CALENDAR - 12/12/07 07:09 AM
For ongoing safety, efficiency and livability of your home, put these maintenance projects on the top of your list!!
January - Organize your home improvement files. Review warranties and product manuals and jot service reminders on your calendar.
February - Schedule an energy audit with your utility company. Repairing energy leaks can save significantly on your utility bills all year round.
March - Check for moisture in your crawl space, garage or other storage areas. If you see a problem, have a professional resolve it quickly before mold or mildew sets in.
April - Clean out rain gutters - Collect leaves and debris for compost and … (2 comments)
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realtor: What you'll need to get your mortgage loan approved - 09/28/07 08:21 AM
What You'll Need to Get your Mortgage Approved
Getting a mortgage home loan might seem like a difficult process, but if you're ready, you can increase your chances for the best interest rates. Most financial institutions will ask for of the following documents in considering your request for a mortgage loan.
1. Last two years' federal tax returns and/or W-2 statements
2. Pay stubs: most recent, usually covering the past month.
3. Employment history: a record of steady employment will work in your favor.
4. Credit History: Credit report, including current creditors and account information. How you have dealt with your credit in the past, minimum monthly payments, etc. By establishing a solid credit … (0 comments)
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realtor: Mortgage Interest rates drop (Even lower than last year!) - 09/19/07 08:33 AM
Interest rates on prime conforming loans fell across the board in the past week, with rates on 30-year fixed mortgages averaging 0.15 percentage points below the previous week's level. The drop in mortgage rates may give some relief to borrowers who are looking to refinance or purchase a home.
The 30-year fixed-rate mortgage averaged 6.31% for the week ending Sept. 13, 2007, down from 6.46% last week, according to Freddie Mac's weekly survey. The mortgage averaged 6.43% a year ago.
The 15-year fixed-rate mortgage averaged 5.97% for the week, down from last week's 6.15% average. The mortgage averaged 6.11% a year ago.
Adjustable-rate mortgages also … (4 comments)
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realtor: Home Warranties - A good buy! - 09/13/07 07:27 PM
Home warranties provide protection to the seller, during the listing period and for one year , to the buyer, following the sale of the home. Home warranties range in cost, but are typically under $500 for coverage and offfer valuable protection on major systems and appliances including, home heating, plumbing, electrical and central air conditioning systems coverage that gives buyers security as well as reducing seller liability. Coverage is for systems and appliances in good working order at the start of the contract.
A very good investment for the Seller and a good incentive for the buyer!
… (0 comments)
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realtor: Watch for deceptive mortgage advertising - 09/13/07 07:00 PM
Some of the mortgage advertisements appearing in Web sites, newspapers, direct mail and unsolicited e-mail may be violating federal law. The Federal Trade Commission is to send warning letters to more than 200 advertisers and media outlets informing them of the possible violations. The letters being sent to advertisers advised them to review their ads and read up on relevant laws. Media outlets were given guidance on screening ads for questionable claims.
Some of the claims made in the ads are "potentially deceptive," or violating the Truth in Lending Act, according to a FTC news release. The advertisements were claims that these mortgage companies had very low monthly payments or … (0 comments)
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realtor: What's on your Good Faith Estimate? - 09/13/07 06:35 PM
The National Association of REALTORS (NAR) sent a joint letter to Housing and Urban Development (HUD) Secretary on August 8, 2007, encouraging HUD to undertake reform of the Good Faith Estimate under Real Estate Settlement Procedures Act (RESPA). The letter, co-signed by Center for Responsible Lending (CRL) President, in an effort to address abusive lending practices, in part, through a summary Good Faith Estimate . The letter also states that additional strong legislative and regulatory action will be required.
Specifically, the letter recommends a Summary Good Faith Estimate that highlights key loan terms and payment information in an easily understandable format and accompany the full Good Faith Estimate that would provide … (1 comments)
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