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homes oakwood: Could Mortgage rates be lower than Last year? Indeed! - 09/19/07 08:43 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 … (2 comments)

homes oakwood: Good Faith Estimate - Do you understand it? - 09/13/07 06:30 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 … (0 comments)

homes oakwood: Remodeling by the numbers - 05/17/07 10:51 AM
Maybe you've been feeling the need for more space, less space, or just different space. You've been wondering-which solution will give me what I want with the least financial hit? Here's one gauge to use:
Expect moving to cost about 10% of your home's current value.
If your remodel project can be done for less than that, stay and do it!
But plan it with an eye on the potential resale value.
When you are ready to firm up your plans, here are suggestions from industry experts:
Kitchen:
Add usability with dual sinks and cooking stations. Add aesthetics with commercial-quality and stainless steel appliances, stone … (1 comments)

homes oakwood: Why get an Real Estate Agent? - 05/04/07 12:25 PM
Why Get a REALTOR?Buying and selling real estate is a complicated matter. At first it might seem that by checking local books, newspapers or online sites you could quickly find the right home at the right price.
But a basic rule in real estate is that all properties are unique. Homes differ and so do contract terms, financing options, inspection requirements and closing costs. Also, no two transactions are alike.
All the forms, financing, inspections, marketing, pricing and negotiating, it makes sense to work with professionals who know the community and has valuable experience. Those professionals are the local REALTORS who work in … (0 comments)

homes oakwood: Is your house Smelly? - 05/04/07 12:06 PM
Here is a subject that REALTORS have to sometimes address:
If your home is on the market, Use your nose. Many people are oblivious to scents, but others are extremely sensitive to offensive odors.
To eliminate bad smells, do the following
* bathe your pets
* freshen the cat litter box frequently
* shampoo your carpets
* dry clean your drapes
* empty trash cans, recycling bins and ash trays. (better not to smoke in the house when it's on the market!)
*Place open boxes of baking soda in smell-prone areas, and refrain from cooking fish or strong-smelling foods before a showing
* Introduce pleasing smells by placing flowers or potpourri in your home … (1 comments)

homes oakwood: Buyers benefit from open house - 05/04/07 11:24 AM
Home buyers all too often leave an open house simply because they didn't like the house. But what they really should be doing is taking advantage of a prime opportunity to pick up useful information that might aid in their search for a new home. From learning about the area to finding a good real estate agent, an open house can provide a wealth of knowledge whether you like the home itself or not.
So, outside of learning about the home, what other kinds of information might you learn by attending an open house? RealEstate.com shares some helpful facts:
Shop for an agent
If … (0 comments)

 

Laurie Scalf

Beavercreek, OH

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