Blogging with Carla - Lorain County, OHIO REALTOR

Why was my offer not accepted although it was higher than list price?

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 28 May 2012 13:06:04 -0700

This article was well written by an active real estate agent in California. Just wanted to share with my readers - this explains why some offers can be lower in acceptance price but more advantageous for the seller. It all deals with terms and conditions.

Via Pacita Dimacali - ePRO, SRES, CDPE, MBA Alain Pinel in Alameda County CA (Alain Pinel):

Why was my offer not accepted by the seller even though we offered higher than the list price?

In my neck of the woods in Alameda , Oakland and Piedmont CA, we’ve had listings during which the winning buyers were not always those who wrote the highest offers.

This is not unusual. Buyers who track the progress of sold properties on which they submitted offers are very surprised when they found out they wrote higher offers but lost anyway.

NOTE: List price should NOT be the sole basis of your offer. List price is all part of the pricing strategy -- some agents list less than market value in order to stimulate a bidding situation.

So what are some of the reasons why the highest offer doesn’t always win?

Take a close look at the details of your offer. Highest price alone doesn’t guarantee the offer is the best one, especially in a competitive situation where there are several offers on the table.

Initial deposit You submitted less than 1% of the offer price as your initial deposit.

The higher the better. The higher initial deposit shows seriousness on the part of the buyer to commit resources to complete the transaction. It also shows how much buyer is willing to risk.

Down payment
Are you getting an FHA loan? This may not be as attractive to sellers who are receiving offers for cash or conventional loan.

In short sales, negotiators typically want 30 days or less to close escrow from the time they grant approval. Some FHA lenders may need longer than 30 days which could put the short sale transaction in jeopardy

Escrow period Sellers are in a hurry to close (heck, they’ve already moved) but you want an escrow period longer than 30 days

Buyer investigation period It’s a competitive situation, but you still specified 17 days to do your inspections. Most realtors can find you inspectors who can get there sooner. And typically, buyers will know from the results of the inspections whether they want to move forward or not. And if you decide to back out, the sooner you back out, the sooner the seller can put the property back on the market.

Pest Inspection mentioned in the contract You asked the seller to pay for your inspections. And you specified wood-destroying organism/pest inspections. Didn’t you and your realtor know that this raises a huge RED flag among loan underwriters who may insist that Section 1 items of the pest report are cleared/repaired/replaced before they approve the loan?

Most seller will NOT agree to this up front.

Escrow fees and closing costs
You asked seller to pay for your escrow fees and closing costs. Do you know how much your escrow fees and closing costs are, and is it worth losing out on this sale for that amount?

City and county transfer taxes It’s best to go with what’s customary in your area. Most sellers will accept that condition. But if you ask the seller to pay for all of these, then you might as well just move on to your next offer.

Repairs and credits
If it's an AS IS sale (typical of short sale or bank-owned listings), it's NOT a good idea to asl for repairs/credits in the offer before it is accepted and before you even have inspections done. You can wait to ask for it later, depending on the degree and amount of repairs that must be done, and assuming you’re still willing to move forward.

HOA fees where applicable Sellers will normally pay for the cost of getting the HOA documents/ And they are also responsible for keeping up with the HOA payments.

But transferring the HOA membership from theirs to the new buyer is typically borne by the buyer. This is a minor issue, but could be an irritant if the buyer asks for seller to pay for all HOA-related items.

What stays with the house The MLS usually states what the seller is willing to leave behind.

But you asked for the sun and the moon, including some of the seller’s personal property.

Short sale specifics Most short sale listing agents want total commitment from the buyer to stick it out, and will ask buyer to

open escrow upon acceptance by the seller and before receipt of short sale approval

longer waiting period

But you don’t want to commit, and didn’t do either one. Whereas your competition did. So which buyer do you think the seller would believe more?

Other REALTORs will surely weigh in on more reasons why some offers are rejected by the seller, even when such offers at first glance appear to be decent (but not the best) offers.

I'll Take HUD Homes For $200, Alex

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Fri, 30 Mar 2012 21:03:07 -0700

ANGIE NWANODI wrote this blog post regarding HUD Homes. Great explanation regarding the HUD program. Thinking of buying? If you are in the Lorain County, Ohio area & would like more information on buying a HUD property - give me a call @ 440-309-5209. I'd love to hear from you!

Via Angie Nwanodi | The ACG Group, Realtors® | Southern Cal HUD & REO Specialists (Evergreen Realty & Associates, Inc.):

What is a HUD Home? I can hear your thoughts already: 'DUH ... It's a home owned by HUD!' True enough, but are you confident you know enough about them to make it a daily double?

Yes, HUD Homes are owned by HUD, but who is HUD anyway? And what characteristics make a home eligible to be a HUD Home?

First Things First

HUD is an acronym for the United States Department of Housing & Urban Development. It is a critical federal agency whose leader (The HUD Secretary) is a cabinet-level appointment that reports to the President of the United States.

Have you ever heard of an FHA loan? Well, FHA stands for Federal Housing Administration, and it is a department within HUD whose Commissioner reports to the HUD Secretary.

FHA promotes homeownership in a number of ways, including providing loan guarantees to private lenders for making low downpayment FHA loans to homebuyers.

Cliff's Notes Version

Before your head starts spinning with all the alphabet soup and Realtor®-ese, here's the basic English version:

HUD wants Americans to be able to purhase homes

FHA sets guidelines for what qualifications a buyer must have

Banks qualify homebuyers based on this criteria and give mortgage loans to homebuyers

FHA insures these mortgages, promising to pay back the lender if the homeowner ends up in foreclosure

Banks then see the FHA guaranteed loans as a low-risk and make loans directly to homeowners

When those homeowners cannot pay their mortgage, the bank forecloses and then cashes in on the FHA insurance guarantee and gives the house back to HUD.

So, when you are buying a HUD Home, you are buying a foreclosure directly from the federal government, and it is ALWAYS SOLD AS IS.

For A Quick Recap ...

If you were on Jeopardy!, here's what Alex Trebek would say, 'This special type of American real estate has the following characteristics:

A one to four unit property

With FHA insurance on the mortgage loan

Which is foreclosed on by the original lender

Who then files an FHA insurance claim

And signs over title to the largest U.S. Housing Agency

And then you would push your buzzer (first, of course!) and give the only acceptable answer: "What is A HUD Home?"

Stay tuned for our upcoming post on Common Myths and Misconceptions About HUD Homes. Better yet ... SUBSCRIBE!

If you are looking for information on how to buy a HUD Home, you've just found your one-stop resource. If you are interested in buying a HUD Home in Southern California, we can help you directly.

If you are interested in buying a HUD Home nationwide, we can refer you to HUD-Registered brokers and agents who are trained on the most recent HUD procedures and actively selling HUD Homes in today's market.

   If you enjoyed this post, click to

ABOUT THE AUTHOR

A lover of music, travel, languages, cultures and people, ANGIE NWANODI is the Founder and Principal of The ACG Group, Realtors®, an agent team practicing under Evergreen Realty & Associates, Inc. Angie started in the real estate industry in 2000 as a Policy Analyst for a national nonprofit housing developer, eventually becoming its Director of Policy and having the honor of testifying before Congress on the preservation of affordable housing during her tenure. Angie went on to start her own residential real estate practice in November, 2005.

THE ACG GROUP, REALTORS® are distressed property experts with specialization in HUD, REO and Short Sales. As one of 54 California Local Listing Brokers for the U.S. Department of Housing and Urban Development (HUD) through PEMCO, Ltd., we offer training and community events for real estate brokers and agents, homebuyers and investors interested in mastering the process of buying a HUD Home.





CA DRE #01466683

Icon Credits

131 Erie St, Elyria OH 44035 - JUST LISTED!! Asking $64,000

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 26 Mar 2012 20:32:14 -0700

Great opportunity to own a home with payments LOWER than renting! Pride of ownership shines here, like "NEW" inside and out. Many recent updates from newer siding, newer carpet & laminate flooring, freshly painted interior in today's modern colors, totally remodeled/updated kitchen and bath, plus so much more! Move In Ready - must see this gem to appreciate the value it holds! Major Appliances will stay - refrigerator, stove, microwave & washer. Terrific Buy for the Area - Only $64,000!!!

Listed By: Carla A Harbert of Re/Max Pros 440-309-5209

Visit Website: http://www.LorainCountyHomeSales.com

"Oh that's ok. Our agent gave us the lockbox code!" SERIOUSLY?!?!?!

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Sun, 12 Jun 2011 17:03:41 -0700

Below is a post that was written by a great real estate agent in my area - with whom I share great concerns with. Lock Box Combinations are SACRED!! Not to be given out to buyers EVER!! Sellers have given us their confidence to keep their home safe and secure, to the best of our ability - while something like this happens and it can destroy trust. Please read...and share with Sue, your comments.

Via Sue Gabriel ~ West Cleveland Suburbs (Prudential Lucien Realty):

"Oh that's ok. Our agent gave us the lockbox code!"

My new sellers were so excited! We listed their house recently and they had their first showing scheduled for 11am today. At 12:10pm, Mr. Seller called: "Sue, it doesn't look like anyone was here. There isn't a card, and the lights were still on." I told him I'd give the buyer's agent a call & confirm they saw the house. I got the BA's voicemail, and then Mr. Seller called back.

"Hey Sue, there's a young couple at our front door with "Fred's" business card. They said he's out of town & he told them they could come see the house without him. So we're out on the deck and they're walking through the house."

Yikes! I didn't like THAT...having these strangers wandering through their house without an agent accompanying them. That was problem #1.

The couple was there about 15 minutes, and as they were getting ready to leave Mr. Seller asked, "By the way, what would you have done if we weren't here?"

Ready for this??? Problem #2...

"Oh that's ok. Our agent gave us the lockbox code!"

SERIOUSLY?!?!?!

Apparently this couple saw 2 other houses before ours...but those were vacant. So that made it "ok"?!?!?!

To say I was livid would be an understatement! My seller was surprisingly calm about it, but they are obviously not happy. This is not a foreclosure (which would not make it ok!!). This is a home my sellers are living in! I have since changed the code on that lockbox, and yes, I have contacted the agent's manager. That agent has been licensed since 2002, so there's no excuse.

Ready for the kicker?? I just received a call from "Fred" who proceeded to lie and tell me he was there at 11:30 with a female client. Oh really?? How then did this couple get his card? And my code?? When I laid into him expressed my displeasure, he tried to turn it around and had the nerve to demand: "Do your sellers want to sell their house or not?!?!"

Absolutely unbelievable.

I have never, ever shared a lockbox code with a client. Or even another agent! When I am given that code, it is the key to someone else's property! The Golden Rule again, folks. Do you want strangers wandering through your house whenever they want??? I don't care if it's a relative or someone "you trust". NO WAY!!! We have a Code of Ethics we must live by. Even if it weren't for the Code, what about common sense????

What would you do???

Sue

Sue Gabriel, REALTOR®

Prudential Lucien Realty

(440) 552-2128

Web: WestClevelandSuburbs.com

Does Your Real Estate Agent "Sell With Soul"?

The Golden Rule...it's that simple!

Why I think The Market Just Might Be Turning Around

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Sun, 05 Jun 2011 10:33:20 -0700

Stewart Penn wrote the below post - and I agree totally with him. I think the market is turning around since I see more people at the malls spending money, restaurants are packed with people most afternoons & especially the weekends. Our area still has foreclosures and short sales galore - but existing home sales have improved since this winter.

Via Stewart Penn - Los Angeles Property Specialist (Penn Properties):

Anyone that's read my blog will know I'm a Contrarian when analyzing markets, be it the Stock Market or The Real Estate Market.

While many people are still discussing a further deterioration in the National Real Estate Market due to continuing forecloses and the "Banks Shadow Inventory" (that may or may not really exist), I'm wondering if the "churning" we're currently witnessing might actually be indicating that we've reached the bottom and are preparing for the long and gradual stabilization and eventual improvement of the market.

This week alone I've had three Sellers call me worried that the market will drop even further. They're prepared to sell now, even at a loss, to avoid further losses from a further decline in prices.

This thinking reflects the continuing fear being experienced by homeowners.

But as with all markets, no-one rings a bell when we've hit the lowest point and often many people are caught on the wrong side of the market, buying or selling at the precisely wrong time.

The "Smart Money" is made by those who don't allow fear and greed to dominate their decision making.

Obviously trying to time the market isn't a good idea (and most people lose out by doing this).

Rather, people should be buying or selling Real Estate for good well thought out reasons.

Simple day-to-day observations make me think that the economy is starting to pick up: Stores and restaurants seem busier, parking lots at malls seem fuller and the number of store-fronts with "To Lease" signs appear to be diminishing,

Economists will tell us what's happening after the fact - that's how they work .... and while I'm not saying I see the market suddenly roaring ahead, I think the downside is very limited.

Buyers: Looking Online for that Perfect Dream Home?

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Fri, 27 May 2011 01:54:11 -0700

Thinking of buying a home? Are you looking online for that perfect dream home? Do you know what steps to avoid? Have you been running away from a REALTOR when you should be running towards one? Are you working with a real estate agent now? Have you ever heard of the statement "Buyer Beware" or "Buyer's Remorse" ????

Certain strategies should be put in place once you become serious in wanting to purchase real estate. Buying a home should be exciting. Just look around - inventory of homes are plentiful! Interest Rates remain historically low while most mortgage loan programs are desirable - where you can often buy with house payments cheaper than renting.

Your FIRST step should be: Get a Pre-Approval from a Lender. Know what loan program works best for you. Understand what your buying power is - just how much home can you truly afford? Be educated - take the time to prepare a budget. Make sure the house payment will be the perfect fit in your financial affairs. Ask for a full disclosure of fees from the lender, which will include how much down payment is needed and what closing fees will be charged.

Understand that you "may" be bidding against another buyer on a home. How do you make your offer stand out? Having a strong, pre-approval letter is number one! Offering to put up a higher earnest money deposit is another angle. In our area, $500 is considered the norm - but $1,000 or more gets a seller's attention - it shows you are motivated. Another way to have your offer stand out is to have very few, if any, contingencies. Example: not having another home to sell first, in order to buy this one.

Home Inspections are Important - know what you are buying! Have the utilities on to check out all systems - electrical, plumbing, etc. Home Appraisers DO NOT go through a home, making sure showers drain and toilets flush. The job of an appraiser is to give a "home's value" to the lender, paid for by the buyer. They do not check the "mechanics" and "systems" within the home.

Much more is involved when buying a home - I have just touched the surface of steps to take. For a confidential consultation - please take the time to talk with your local REALTOR. If wanting to purchase or sell a home in Lorain County or the Western Suburbs of Cleveland - I would love the opportunity of working with you. Let's talk!

Carla Harbert, Re/Max Pros Agent Direct: 440-309-5209 Agent E-mail: homes@glwb.net

Search for Homes in Lorain County & the Western Suburbs of Cleveland Ohio - click HERE.

Gas Saving Tips on Pumping Gas -

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Sat, 14 May 2011 13:34:21 -0700

A close relative of mine who lives in California, plus is in the gasoline industry for 31 years, sent me this information regarding gas-saving tips. I felt this was really good information to share with all of my activerain readers:

GAS SAVING TIPS ON PUMPING GAS

Only buy or fill up your car or truck in the early morning when the
ground temperature is still cold. Remember that all service stations have their
storage tanks buried below ground. The colder the ground the more dense
the gasoline, when it gets warmer gasoline expands, so buying in the
afternoon or in the evening....your gallon is not exactly a gallon. In
the petroleum business, the specific gravity and the temperature of the
gasoline, diesel and jet fuel, ethanol and other petroleum products
plays an important role.

A 1-degree rise in temperature is a big deal for this business. But the
service stations do not have temperature compensation at the pumps.

When you're filling up do not squeeze the trigger of the nozzle to a
fast mode. If you look you will see that the trigger has three (3) stages: low,
middle, and high. You should be pumping on low mode, thereby minimizing
the vapors that are created while you are pumping. All hoses at the pump
have a vapor return. If you are pumping on the fast rate, some of the
liquid that goes to your tank becomes vapor. Those vapors are being
sucked up and back into the underground storage tank so you're getting less
worth or your money.

One of the most important tips is to fill up when your gas tank is HALF
FULL. The reason for this is the more gas you have in your tank the less
air occupying its empty space. Gasoline evaporates faster than you can
imagine. Gasoline storage tanks have an internal floating roof. This
roof serves as zero clearance between the gas and the atmosphere, so it
minimizes the evaporation.

Another reminder, if there is a gasoline truck pumping into the storage
tanks when you stop to buy gas, DO NOT fill up; most likely the gasoline
is being stirred up as the gas is being delivered, and you might pick up some of the dirt that normally settles on the bottom.

To have an impact, we need to reach literally millions of gas buyers.

Great quick guide to home remodeling/repair costs

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Tue, 26 Apr 2011 06:41:32 -0700

Below is a wonderful Quick Guide to home remodeling and repair costs, well written by Amy Mullen of Re/Max Professional Associates of Worcester, MA. Spring is here and many questions are raised since this is an ideal time to get started on those home projects. Questions such as: What improvements will benefit the sale of my home? What costs would certain projects run? Or I just bought my home and would love to change out the flooring - any idea on price? Again, Amy did a wonderful job on the below post... please read and keep handy!

Via Amy Mullen (RE/MAX Professional Associates):

I have so been neglecting my blog. It's true. It's shameful. In my defense it's because I have been so focused on my clients. I am correcting that today and giving it the attention it needs!

Tis the season for home remodeling! I have been working with a new buyer client who is looking at homes in Worcester that will need some repair - as well as working with a seller whose home will need to be repaired when the buyer has the keys in hand. My parents are remodeling their kitchen and I am still picking away at the rehab on my own house.

It seems as if remodeling is happening everywhere! And IT IS! (Stay tuned for details on a home renovation event in May....ssshhhhhh...press release coming but it's going to be HUGE!). I did stumble upon (I love that site) this quick guide to estimating the cost of home repairs / remodeling that Freddie Mac has published and I love it! It's quick - easy to read and realistic.

Check it out and bookmark this page - it's a great way to thumbnail the costs of new projects or to see what you would be getting into with a new home.

Estimated Remodeling and Repair Costs

Kitchens Roofing Floors

Additions Costs

Build addition $70 to 120 per square foot

Enclose porch $5,500 to 15,000

Drywall ceiling over plaster $1.50 to 2.00 per square foot

Basement Costs

Convert basement to legal rental unit $30,000 to 50,000

Bathroom Costs

Remodel bathroom $7,000 to 12,000

Add half bathroom $3,500 to 5,000

Add full bathroom $7,000 to 12,000

Electrical Service Costs

Increase service to 200 amps $700 to 1,200

Run separate electrical lines $150 to 300

Install connectors on outlets
(of aluminum wired homes) $15 to 20 per connection/
$2,000 to 3,000 (whole house)

Exterior Costs

Regrade lawn $500 to 1,500

New gutters and downspouts $2.50 to 3.50 per linear foot

Fireplaces Costs

Build masonry fireplace $3,300 to 4,800

Install prefabricated fireplace $1,800 to 2,300

Reline chimney with terra cotta $2,000

Floors Costs

Sand and finish wood floors $1.50 to 3.30 per square foot

Install ceramic tile floor $11 to 22 per square foot

Install vinyl tile floor $2.64 to 5.34 per square foot

Install wall-to-wall carpet $3.38 to 6.61 per square foot

Garages Costs

Build single car garage $6,000 to 9,500

Build double car garage $8,000 to 12,000

Heating and Air Conditioning Costs

Replace warm air furnace $1,500 to 3,800

Replace electric heat pump $2,200 to 3,600

Replace central air conditioning system (electric) $1,500 to 3,000

Replace central air conditioning system (gas) $2,600 to 3,500

Install humidifier $300 to 550

Install electrostatic air cleaner $500 to 750

Replace hot water boiler $2,500 to 3,500

Install attic ventilation $250 to 450

Insulation Costs

Insulate attic / basement $.75 to 1.20 per square foot

Kitchen Costs

Remodel kitchen $8,000 and up

Plumbing Costs

Hot water heater

(40-gallon capacity) $400 to 650

(40-gallon capacity) $300 to 550

Install new well $3,000 to 5,000

Install new septic system $3,000 to 5,000

Install sump pump $400 to 500

Install French drain and sump pump $2,000 to 3,500

Roofs Costs

Asphalt / fiberglass shingles-

Install over existing shingles $1 to 1.20 per square foot

Remove existing shingles and install news $1.30 to 1.75 per square foot

Windows Costs

Install storm windows $60 to 100 each

Replace existing windows $250 to 500 each

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Amy Mullen, Realtor CPA LMC MBA
RE/MAX Professional Associates
617-899-2146
amymullen@remax.net
www.amymullenrealestate.com

A RESIDx True Market Expert

BEWARE of the Seller's Property Disclosure!! This includes YOU!

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Wed, 20 Apr 2011 15:59:16 -0700

Yes, beware of the Seller's Property Disclosure - there may be more than what is actually stated. I am living proof of that fact. Being a real estate agent, I should have known better.

Here is my living proof:

J) Do you know of any current flooding, drainage, settling or grading or erosion problems affecting the property? answer by seller: Yes.

Please describe:

When heavy rains, the pond overflows.

Ok, sounds understandable enough... but failed to tell us that most of our acreage goes underwater! This is the 4th time this year of severe flooding. And at times, you can't even tell where the driveway is, which is not safe to drive in or out during these times.

Side Yard (we live on 11 acres) More of side yard showing MUDDY waters

Getting closer to front yard area Front yard where we have 680 foot driveway to home

More of Driveway going to other side of front yard This is our front yard

Going towards pond area This is the pond area, that is 3x larger than normal

We should have been "smarter" by asking the seller to explain or tell more details on the "pond overflow" issue. Had we known, this would NOT have been the property we purchased. Our pole barn is under water again with inches of MUDDY water inside, our back detached garage that holds our yard equipment is also under water again. Thank goodness our basement has not flooded (yet). Sump pump barely rests.

So BEWARE of the Seller's Property Disclosure - there may be more than meets the eye!

What the Heck?

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 18 Apr 2011 17:54:33 -0700

That's right ... What the heck?

I am reading a quote from the Bank of America CEO claiming that "...some people shouldn't be thinking of their home as an asset" ??? which is coming from an article I just finished reading. Again, I say, What the Heck?

Perhaps someone in the financial field would not consider a home an "asset" if there is a mortgage against it, but many home owners have "equity" and when is "equity in a home" NOT an asset?

In my opinion, real estate is an asset in so many ways, from those of us who own a home "free and clear" of any mortgage, from landlords who own that have a tenant paying the mortgage with positive cash flow back to the owner, from those that put money down on a home where there is "equity" built up is an asset, my list can go on and on.

I agree, home ownership isn't for everyone. But to "own" a home, even with a loan against it, is an asset!! Unless you owe more than what it is worth.

Does anyone have another opinion on this that they would like to share? Please post!!

Want to be a part of a positive networking group in Lorain County?

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 18 Apr 2011 16:40:20 -0700

Want to be a part of a positive networking group in Lorain County? If you are a Woman Business Owner - please read on...

Meetings take place on the first and third Thursday of each month at various locations throughout Lorain County, Ohio. Meetings start at 6 p.m. and usually consist of dinner, 30 second commercials, featured business(es), and a guest speaker.

Our calendar is open to the public, but you must have a yahoo ID to access it online. A downloadable PDF version of our schedule and additional information about our group is located at www.wbonlorain.org Our next meeting will be this Thursday, April 21st at 6 p.m. at the Jackalope Restaurant on the Lake in Lorain. The guest speaker will be: Shelley Solomon Cull, who will be speaking on the topic "Seeing the Big Picture". We are looking forward to a big turnout. If you would like to attend, please rsvp to: wbonlorain@yahoogroups.com or contact Karen at jrstorage@aol.com Karen can also be reached by phone at: 440-986-3200

If you have any questions or would like to be added to or removed from the group please email wbonlorain-owner@yahoogroups.com.

Another great quote I wanted to share - Make it a great day!

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Tue, 12 Apr 2011 09:28:19 -0700

Set your sights high, the higher the better. Expect the most wonderful things to happen, not in the future but right now. Realize that nothing is too good. Allow absolutely nothing to hamper you or hold you up in any way."

Eileen Caddy, Author

Just wanted to share another great quote that was sent to me by a friend. We should always reach for the stars - staying positive and motivated, servicing others with a smile, leaving a mark in this world and knowing "you" really made a difference in someone's life. So, make it a great day and Happy Tuesday to all of my friends here on ActiveRain. I love networking with each and every one of you - please stay in touch!!

How to screw up your mortgage application process

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Fri, 08 Apr 2011 11:29:27 -0700

Randy Harden of Wieder Realty, Pompano Beach Fl posted tips that buyers need to understand and take warning - that I have asked permission to share on my blog. When going through the mortgage/loan process - especially when you have found the home of your dreams, it's happened more than once where a buyer has made the trip to purchase newer appliances "on credit" for their new home, or running out to buy the perfect living room furniture "on credit", not fully understanding how that just put a "kink" in their credit processing.

Via Wieder Realty, Inc.:

You have just signed a contract on a property after weeks of searching and research. You found the perfect home and you cannot wait to move in a few weeks from now. You start imagining all the things that you will need in your new home and begin your window shopping in anticipation. While in a particular store you find the perfect piece of furniture and you feel like you have to have it right away. You open up a credit card with that particular store to get the 10% discount AND YOU'VE JUST CAUSED YOUR MORTGAGE APPLICATION PROCESS TO FAIL!

When you get approved for a loan it is based in large part on your credit score. If you alter your credit score during your approval process you can mess up the whole deal.

How not to screw up your credit during the approval process:

1. Don't open any new accounts

2. Don't make any large purchase on your already established lines of credit

3. Don't buy or lease a car

4. Do not co-sign for any accounts

5. Do continue to make your payments on time

You should also be careful how you handle cash at this point. Any large deposits into your bank account may be subject to inquiry from the lender. Also, speak to your mortgage agent about how to go about receiving gift funds from relatives. If mishandled that too can sink your deal.

Follow these tips to make your mortgage transaction one with a happy ending!

Wieder Realty is your best source of information when it comes to Palm-Aire and the surrounding area.

Call us at 954-978-8300 or 888-979-9788

1221 S Powerline Road - Pompano Beach - Florida 33069

(Next to Bagel Snack)

Wieder Realty - Your Best Move!

www.Palm-Aire.com

314 Erieview Blvd, Sheffield Lake OH 44054 - Just Listed

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Tue, 05 Apr 2011 10:32:31 -0700

Within Walking Distance of Lake Erie Shores and Public Beach Area! Just listed - Asking $100,000.

Features: 3 Bedroom Ranch, finished basement, 2.5 car detached garage on landscaped lot. Pride of Ownership shines both inside and outside this very affordable home. Great location, just off Lake Rd and close to I-90, nice area of homes. Public golf course just one street away! For more details and information, please call: 440-309-5209.

Listed by Carla Harbert, Re/Max Pros of Westlake, Ohio.

Don't miss out! - Great opportunity to have a home within walking distance of Lake Erie Shores with boat ramps, lighted fishing pier, public swimming/beach area, playground and more!

Do buyers need real estate agents?

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 28 Mar 2011 23:29:07 -0700

I am re-blogging an excellent post well written by Kathleen Moriarty, who explains why buyers need a real estate agent to represent them, especially in today's market. There are so many issues that can come up, where an experienced real estate agent can take away the stress...making the process pleasurable and exciting.

Considering buying or selling a home in the Lorain County, Ohio area? Call me - let me give you straight facts on today's market, 440-309-5209.

Via Kathleen Moriarty (Better Homes and Gardens - Rand Realty):

In one of my recent blogs (http://activerain.com/blogsview/2193545/do-real-estate-salespeople-make-tons-of-money-), I debunked the myth that real estate professionals are millionaires. However, salespeople are paid a commission to do whatever it is they do. Both sellers and buyers often want to buy or sell a home themselves; why do they need an agent?

Sellers wonder what salespeople could possibly do that's worth paying for; after all, don't agents just throw the property in MLS and then unlock the doors so buyers can take a look?

And buyers sometimes assume if they just go to enough open houses, they'll find the home they want, place an offer, get a mortage and move in. Nothing else is required, is it?

I'm going to focus today on the buyer side of the equation only.   What specifically does an agent for the buyer actually do to earn their share of commission? Obviously, a buyer agent supports the buyer (you) and represents your interests; they maintain confidences, and provide loyalty and care. How hard could that be? Is this really more meaningful than making arrangements to open a door of a vacant home? The answer is Yes!!!

Understanding your true needs: First, any good buyer agent will need to find out exactly what you want, not just at a high level, such as your need for a 3 bedroom/2 bath condo for $500K. But a buyer agent will want to know, when you close your eyes and picture yourself in your new home, what is the vision in your head?

Do you want a sunny spot for a garden?

Do you want a back yard, and should it be fenced?

Do you need space for visiting in-laws, and do you want that space right near your room, or far away in the basement?

Are you a chef who requires a world-class kitchen or would a small efficiency kitchen work fine?

Are you in a rush to purchase because you want to be in your home before the kids start school in September, or are you willing to take your time to find the "perfect" house?

How much are you pre-qualified for? If you're not pre-qualified, do you have an expert that can help, or do you need one?

Regardless of your pre-qualification status, how much are you really comfortable spending, since that may be a different amount.

Do you want a fireplace? A pool?

Do you have a limit to what you wish to pay in taxes, utilities, and other charges?

The list goes on. It's our job to figure out exactly what would make you happy.

Finding and viewing potential matches: Sure, you could do a realtor.com, trulia.com or zillow.com lookup by yourself. But agents have access to a lot of information such as history of the home - has it been for sale before? Has the price recently been reduced or increased? What are the actual taxes? Are there any developments or building issues going on in the location you wish to move to? We'll work to select only those properties that are worth your time to view, and then we'll call and schedule and cancel and reschedule the appointments as necessary. We'll also preview the properties ourselves to make sure they're going to meet your needs. And then of course we'll take you to see them. We'll explain the particular benefits, and the potential downfalls for each home. We'll listen to your likes and dislikes so we can better target future showings. And then we'll repeat the process as often as possible until we find the right home for you.

Validating the information: If you're looking at a co-op or condo, we'll verify the fees with the management company. What is the fee for maintenance? Does that include taxes? What % of that fee is tax deductible? Is there a parking fee? Are there assessments? If yes, when do they start and end, and how much are they? When was the last one? If you're looking at a single family home, we'll validate all information. What are the town/state and village taxes?   We'll verify the square feet with the town records. Any data points that we have will be validated and clarified if necessary.

Putting in an offer:   We'll make sure you have all the data you need to come up with a great offering price. We'll gather comparables so you'll know what similar homes recently sold for. We'll fill out the necessary paperwork, contact the seller's agent to make sure there haven't been any last minute changes, and we'll submit the offer. And then we'll negotiate on your behalf. We'll let you know what contigencies you should consider, and will ensure your offer includes them.

Completing the purchasing process: Once we have an accepted offer, we'll do all the work required to make the rest of your buying process simple. If you don't have your own, we'll provide you with names of expert real estate lawyers, home inspectors, mortgage brokers, and anyone else you need to finalize your transaction.   We'll obtain all documentation from the management company if you're buying a co-op, and we'll walk you through all the documentation requirements. We'll ensure appraisers have access to the home, we'll do whatever we can to ensure contracts are completed expeditiously and we'll hold your hand until you're at the closing table and have signed your documents.

In a nutshell, buying a home can be incredibly complicated. The buyer's agent job is to make a potentially very difficult process extremely simple and to make sure your dream home doesn't escape from your grasp.

Kathleen Moriarty

914-419-0270 (cell)

www.kathleenmoriarty.com

16158 Bowfin Rd, Brook Park OH 44142 - Just Listed!

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 21 Mar 2011 19:37:12 -0700

Introducing 16158 Bowfin Rd, Brook Park OH 44142 - just off I-71, great location. Asking $129,900 for this 4 bedroom, 1.5 bath, full basement with detached 2.5 car garage. Newer carpets.

Spacious home of approx 1520 sf, not counting basement. First floor consists of 3 bedrooms, 1.5 baths, living room, kitchen-dining area. Second floor features the fourth bedroom offering LOADS of storage space and built-in dresser.

The nicely sized kitchen area (approx 14 x 22) has newer flooring & newer kitchen cabinets that extend the entire length of one wall - loads of countertop area! Sliding glass doors open to the deck area off back of home.

Full basement has been divided into a recreation room and laundry/storage/work area. Fenced Yard. Also included: play structure with fort, slide, swing and more. Approx lot size is 50 x 120 per public records.

Berea City School system.

For more information on this home, please contact Carla Harbert with Re/Max Pros at 440-309-5209. This home is occupied, so please allow a 24 hour notice for a showing.

Weather Art - Photo taken just outside the GM Building in Brook Park, OH

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Fri, 11 Mar 2011 16:06:22 -0800

Weather Art: Winter in Ohio. This photo was taken just outside the Parma Metal Center - Stamping Plant in Brook Park, OH. Heavy, wet snow blanketed our area overnight. The snow is so pretty to look at, makes excellent photos- but I am so ready for spring to arrive! Temperatures are expected to hit 45 on Saturday, so this pretty white stuff will be disappearing shortyly.

New Union Center for the Arts Fundraiser in Oberlin, Ohio

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Sat, 05 Mar 2011 17:23:46 -0800

*MUSIC, ART & DRAMA

YOU'RE INVITED TO THE MAD* FACTORY FROLIC!!!

WHERE: NEW RUSSIA TOWNSHIP HALL

WHEN: SATURDAY, MARCH 19, 2011 ~ 7:00pm-11:00pm

RESERVATIONS MAY BE MADE BY CALLING THE MAD* FACTORY AT

440-774-7062 BEFORE MARCH 12!

Please join us for a night of fun & games MAD* Factory style. This is not your typical fundraising event! Think of it as a carnival for big people! Featuring game booths, delicious food, circus performers and more!

Tickets are $20 for individuals or $35 for couples.

Your Frolic will include:

New Union Center for the Arts

 Al Harker as Emcee

 Carnival Games

 Fortune Telling

 Circus Acts

 Cake Walks

 Live and Silent Auction

 Live Music by Keith Ransom

 Delicious Food

 Cash Bar

39 S. Main St., Suite 310

Oberlin, Ohio 44074

440-774-7062

www.madfactory.org

Flooding in Lorain County, Ohio - Can you see my driveway?

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Sat, 05 Mar 2011 12:02:44 -0800

After an accumulation of snow, then a heavy rain with warmer temperatures - this is what my front yard looked like. You can't even see my driveway! The flood water came into our pole barn and the back detached garage this past Monday. This weekend was going to be the clean up and dry out day ... but guess what? More rain!! Any ideas on how to quickly dry out the interior of a cement floor building?

17732 East Parkway, LaGrange OH 44050 - OPEN HOUSE!!

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Fri, 04 Mar 2011 12:16:29 -0800

OPEN HOUSE, Sunday - March 20th from 2-4 pm

17732 East Parkway, LaGrange OH 44050 (Pheasant Run Area of Homes)

Directions: From Rt 301, turn west on Biggs Rd, then south onto Whitehead Rd, then turn west onto Meadow Lane, then south onto East Parkway. Signs will be posted.

Golf Lovers View with NO rear neighbors makes the perfect place to relax and enjoy the scenery. Very quiet street, nice area of homes within Pheasant Run. Great curb appeal. Priced at $109,500. Nice 3 bed, 1.5 bath home with full basement, 2 car attached garage. Storage building in the backyard will remain. Many updates, including a brand new furnace that was just installed Jan. 2011! Newer windows, doors, flooring and more. Move in ready! Partially finished basement with woodburning stove. 1st floor laundry - even the washer and dryer will stay. Spacious kitchen with pantry - appliances will remain. No down/ Low down financing available. Priced to sell - Don't miss out!!

MLS# 3199988

Call for more details:

Carla Harbert, Re/Max Pros

CDPE (Certified Distressed Property Expert Designation)

e-PRO (Certified Internet Professional Designation)

2035 Crocker Rd, Suite 104

Westlake OH 44145

Agent Direct: 440-309-5209 (Phone/Text)

Agent Fax: 440-925-6195

Agent Email: homes@CarlaHarbert.com

Website: www.LorainCountyHomeSales.com

OH BY THE WAY... I am never too busy for your referrals - I appreciate your loyalty!

490 Arabian Ct, LaGrange OH - Open House Sunday, March 20th from 2-4 pm

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Fri, 04 Mar 2011 12:02:44 -0800

490 Arabian Ct, LaGrange OH 44050 **NEW PRICE - NOW $37,500**

Directions: Pheasant Run Area of Homes. From Route 301, turn west on Biggs Rd, then south onto Whitehead Rd, then turn west, onto Meadow Lane, then turn south onto Fairway Drive. Arabian Ct will be the 1st street off Fairway, on your left. Signs will be posted.

Original List Price was $42,000 - reduced now for a quick sale price of $37,500! Plus seller will help with closing costs!!

Keystone Schools. Why rent? Escape your landlord and enjoy the freedoms that home ownership offers. Three bedrooms, 2 baths with many updates - newer roof, vinyl siding, vinyl windows, door, baths, wood deck and more! Master bedroom with private bath

So much to offer >>>> even central air!

MLS# 3161347

Call for more details or if you would like the address:

Carla Harbert, Re/Max Pros

CDPE (Certified Distressed Property Expert Designation)

e-PRO (Certified Internet Professional Designation)

2035 Crocker Rd, Suite 104

Westlake OH 44145

Agent Direct: 440-309-5209 (Phone/Text)

Agent Fax: 440-925-6195

Agent Email: homes@CarlaHarbert.com

Website: www.LorainCountyHomeSales.com

OH BY THE WAY... I am never too busy for your referrals - I appreciate your loyalty!

127 Westwood MHP, Amherst OH 44001 - asking $17,500

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Sat, 12 Feb 2011 12:15:24 -0800

So affordable and in GREAT condition, both inside and out. Tastefully decorated and painted with today's modern colors. Feels like NEW inside with recently remodeled kitchen and bath, newer flooring, paint & more. You'll be impressed with the spacious kitchen area with pantry. Roomy living room. Nice sized covered patio area - perfect place to relax or for a summer cook-out. Double car paved parking. Storage Building will remain. Master bedroom offers large closet area with built-in dressers/drawers. Lot rent of only $240 is SO reasonable for the area - includes snow removal of street, trash and sewer costs. Low utilities! Amherst Schools in Amherst Township. Move in Ready! See MLS# 3197230. Located in the Westwood Mobile Home Park. Call for more details or if you would like the address:

Carla Harbert, Re/Max Pros

CDPE (Certified Distressed Property Expert Designation)

e-PRO (Certified Internet Professional Designation)

2035 Crocker Rd, Suite 104

Westlake OH 44145

Agent Direct: 440-309-5209 (Phone/Text)

Agent Fax: 440-925-6195

Agent Email: homes@CarlaHarbert.com

Website: www.LorainCountyHomeSales.com

OH BY THE WAY... I am never too busy for your referrals - I appreciate your loyalty!

1218 W 29th St, Lorain OH 44052

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 07 Feb 2011 16:58:14 -0800

Introducing: 1218 W 29th St, Lorain OH 44052

List Price: $95,000

Features: Nice Brick Ranch with newer roof. Great location on Lorain's west side of town. 3 Bedrooms, 1 bath plus an extra toliet in basement, gas heat, central air, 2 car detached garage with newer roof. Many updates. Currently rented with Section 8 tenant, that keeps this home very clean! Must see to appreciate the value here. Low utilities, too!

(MLS# 3190837)

Short Sale Property in Shaker Heights, Ohio

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 07 Feb 2011 16:51:03 -0800

Quick Sale Needed - Lovely Full Brick Colonial on gorgeous landscaped lot in Shaker Heights. Original character and charm with many wood accents. Some work needed to make this home shine again. Desirable floor plan, formal living room with woodburning fireplace, formal dining room with sliders to patio area, family room/den with woodburning fireplace, kitchen with breakfast nook area, 4 bedrooms, 3.5 baths Plus another bathroom in basemetn, Full basement featuring finished rec room with woodburning fireplace, bar area, laundry room, extra storage room, built-ins. Cedar closet on the 2nd floor near bedrooms. Just too many features to list - must see to appreciate the value and potential here. Close proximity to Cleveland Clinic and University Hospital. Quiet area of homes on tree lined street. Square footage of 2482 does not include the finished 3rd floor or the finished basement living area.

Short Sale Property. Asking Price $280,000.(MLS#3199958)

Lot next door for sale, asking price $90,000. (MLS#3199830)

Buildable Lot in Shaker Heights, Ohio 44122

Carla Harbert - RE/MAX Pros of Westlake, Ohio (www.LorainCountyHomeSales.com) — Mon, 07 Feb 2011 16:39:26 -0800

Just Listed: Vacant Lot at 22700 Douglas Rd, Shaker Heights OH 44122

Asking Price: $90,000

This is a rare find for this area of executive homes in Shaker Heights. Lot frontage is 60 ft by approx 133.7 feet deep, a little irregular dimensions on the back. Present improvements do conform to zoning regulations and restrictions. Electric, Gas, Public Sewer, Public Water with annual taxes of $2,800. City Lot with City View. MLS#3199830.

For more details, please call Carla Harbert, Re/Max Pros at 440-309-5209.

Initial deposit	You submitted less than 1% of the offer price as your initial deposit. The higher the better. The higher initial deposit shows seriousness on the part of the buyer to commit resources to complete the transaction. It also shows how much buyer is willing to risk.
Down payment	Are you getting an FHA loan? This may not be as attractive to sellers who are receiving offers for cash or conventional loan. In short sales, negotiators typically want 30 days or less to close escrow from the time they grant approval. Some FHA lenders may need longer than 30 days which could put the short sale transaction in jeopardy
Escrow period	Sellers are in a hurry to close (heck, they’ve already moved) but you want an escrow period longer than 30 days
Buyer investigation period	It’s a competitive situation, but you still specified 17 days to do your inspections. Most realtors can find you inspectors who can get there sooner. And typically, buyers will know from the results of the inspections whether they want to move forward or not. And if you decide to back out, the sooner you back out, the sooner the seller can put the property back on the market.
Pest Inspection mentioned in the contract	You asked the seller to pay for your inspections. And you specified wood-destroying organism/pest inspections. Didn’t you and your realtor know that this raises a huge RED flag among loan underwriters who may insist that Section 1 items of the pest report are cleared/repaired/replaced before they approve the loan? Most seller will NOT agree to this up front.
Escrow fees and closing costs	You asked seller to pay for your escrow fees and closing costs. Do you know how much your escrow fees and closing costs are, and is it worth losing out on this sale for that amount?
City and county transfer taxes	It’s best to go with what’s customary in your area. Most sellers will accept that condition. But if you ask the seller to pay for all of these, then you might as well just move on to your next offer.
Repairs and credits	If it's an AS IS sale (typical of short sale or bank-owned listings), it's NOT a good idea to asl for repairs/credits in the offer before it is accepted and before you even have inspections done. You can wait to ask for it later, depending on the degree and amount of repairs that must be done, and assuming you’re still willing to move forward.
HOA fees where applicable	Sellers will normally pay for the cost of getting the HOA documents/ And they are also responsible for keeping up with the HOA payments. But transferring the HOA membership from theirs to the new buyer is typically borne by the buyer. This is a minor issue, but could be an irritant if the buyer asks for seller to pay for all HOA-related items.
What stays with the house	The MLS usually states what the seller is willing to leave behind. But you asked for the sun and the moon, including some of the seller’s personal property.
Short sale specifics	Most short sale listing agents want total commitment from the buyer to stick it out, and will ask buyer to open escrow upon acceptance by the seller and before receipt of short sale approval longer waiting period But you don’t want to commit, and didn’t do either one. Whereas your competition did. So which buyer do you think the seller would believe more?

Additions	Costs
Build addition	$70 to 120 per square foot
Enclose porch	$5,500 to 15,000
Drywall ceiling over plaster	$1.50 to 2.00 per square foot
Basement	Costs
Convert basement to legal rental unit	$30,000 to 50,000
Bathroom	Costs

Remodel bathroom	$7,000 to 12,000
Add half bathroom	$3,500 to 5,000
Add full bathroom	$7,000 to 12,000
Electrical Service	Costs
Increase service to 200 amps	$700 to 1,200
Run separate electrical lines	$150 to 300
Install connectors on outlets (of aluminum wired homes)	$15 to 20 per connection/ $2,000 to 3,000 (whole house)
Exterior	Costs
Regrade lawn	$500 to 1,500
New gutters and downspouts	$2.50 to 3.50 per linear foot
Fireplaces	Costs
Build masonry fireplace	$3,300 to 4,800
Install prefabricated fireplace	$1,800 to 2,300
Reline chimney with terra cotta	$2,000
Floors	Costs
Sand and finish wood floors	$1.50 to 3.30 per square foot
Install ceramic tile floor	$11 to 22 per square foot
Install vinyl tile floor	$2.64 to 5.34 per square foot
Install wall-to-wall carpet	$3.38 to 6.61 per square foot
Garages	Costs
Build single car garage	$6,000 to 9,500
Build double car garage	$8,000 to 12,000
Heating and Air Conditioning	Costs
Replace warm air furnace	$1,500 to 3,800
Replace electric heat pump	$2,200 to 3,600
Replace central air conditioning system (electric)	$1,500 to 3,000
Replace central air conditioning system (gas)	$2,600 to 3,500
Install humidifier	$300 to 550
Install electrostatic air cleaner	$500 to 750
Replace hot water boiler	$2,500 to 3,500
Install attic ventilation	$250 to 450
Insulation	Costs
Insulate attic / basement	$.75 to 1.20 per square foot
Kitchen	Costs
Remodel kitchen	$8,000 and up
Plumbing	Costs
Hot water heater
(40-gallon capacity)	$400 to 650
(40-gallon capacity)	$300 to 550
Install new well	$3,000 to 5,000
Install new septic system	$3,000 to 5,000
Install sump pump	$400 to 500
Install French drain and sump pump	$2,000 to 3,500
Roofs	Costs
Asphalt / fiberglass shingles-
Install over existing shingles	$1 to 1.20 per square foot
Remove existing shingles and install news	$1.30 to 1.75 per square foot
Windows	Costs
Install storm windows	$60 to 100 each
Replace existing windows	$250 to 500 each

Blogging with Carla - Lorain County, OHIO REALTOR

Why was my offer not accepted although it was higher than list price?

I'll Take HUD Homes For $200, Alex

131 Erie St, Elyria OH 44035 - JUST LISTED!! Asking $64,000

"Oh that's ok. Our agent gave us the lockbox code!" SERIOUSLY?!?!?!

Why I think The Market Just Might Be Turning Around

Buyers: Looking Online for that Perfect Dream Home?

Gas Saving Tips on Pumping Gas -

Great quick guide to home remodeling/repair costs

BEWARE of the Seller's Property Disclosure!! This includes YOU!

What the Heck?

Want to be a part of a positive networking group in Lorain County?

Another great quote I wanted to share - Make it a great day!

Set your sights high, the higher the better. Expect the most wonderful things to happen, not in the future but right now. Realize that nothing is too good. Allow absolutely nothing to hamper you or hold you up in any way."Eileen Caddy, Author

How to screw up your mortgage application process

314 Erieview Blvd, Sheffield Lake OH 44054 - Just Listed

Do buyers need real estate agents?

16158 Bowfin Rd, Brook Park OH 44142 - Just Listed!

Weather Art - Photo taken just outside the GM Building in Brook Park, OH

New Union Center for the Arts Fundraiser in Oberlin, Ohio

Flooding in Lorain County, Ohio - Can you see my driveway?

17732 East Parkway, LaGrange OH 44050 - OPEN HOUSE!!

490 Arabian Ct, LaGrange OH - Open House Sunday, March 20th from 2-4 pm

127 Westwood MHP, Amherst OH 44001 - asking $17,500

1218 W 29th St, Lorain OH 44052

Short Sale Property in Shaker Heights, Ohio

Buildable Lot in Shaker Heights, Ohio 44122

Set your sights high, the higher the better. Expect the most wonderful things to happen, not in the future but right now. Realize that nothing is too good. Allow absolutely nothing to hamper you or hold you up in any way."

Eileen Caddy, Author