Northern Michigan Short Sales-Real Estate

Foreclosures in Grand Traverse County...Yes there Up!

Matt Hodges (EXIT Realty Paramount) — Fri, 28 Aug 2009 14:02:49 -0500

I have tracked foreclosures closely for the past few years and obviously trends all over the Country are moving up. Well, Grand Traverse County is no different in that aspect.

With the 90 day moritorium ended and many of the ARM's coming due we are set for a busy fall and winter 2009-2010! As of August 4th (the last update with the Register of Deeds) we (Grand Traverse County) are just above the pace set from 2008; however, we must remember the two factors I mentioned above. One being the moritorium held back many of the foreclosures that were headed towards default as well as many 5 year ARM's that have come due will hit the market soon.

What we will see more of later this year is much of the same, but we will also see some larger properties, such as second homes and certainly some of the JUmbo loans that weren't affected by the "bailout" this past year. My crystal ball is showing that we will see more and more prime loans slip into foreclosure and the more "desireable" areas will be on the market at a reduced or distressed rate. This will have a couple different effects on our market -1) It will likely pull the market value down in these nicer areas more that what was first prediced and, 2) It will certainly spur some great buys for move up buyers and of course the investors that are looking for "the deal".

It has been interesting following the foreclosure laws in the past year or so and watching how it has effected the market - It is ever changing, but the trends seem to be pretty clear. More foreclosures to come and your going to see some major lakefront and executive deals in the very near future.

This is an interesting market and I am looking forward to working through it!

Matt Hodges

Exit Realty Paramount

Matt@MattHodges.net

www.MattHodges.net

Young Professionals Volunteering! It's our duty to be involved.

Matt Hodges (EXIT Realty Paramount) — Fri, 01 May 2009 12:47:14 -0500

I have always wanted to get involved somehow in my community, but never have for some reason or another. Yesterday I went to a Luncheon that the Young Professional group put on at the Garfield Township office yesterday, which included 13 non-profit agencies looking for volunteers on all levels. I didn't know, but there are over 200 non-profit agencies in our community, many of them are looking for folks, like you and me, to get invloved in some capacity.

With the economy the way it is in Michigan the need for support people are great right now. Like I said, I have looking for some way to get involved in my community and now I have found a few groups that my wife and I will be looking at to lend our time and energy to.

I am very busy in my Real Estate career and my wife owns her own business along with our two and four year old girls we are always busy. Even with all of that I figure we can all donate a few hours a month/year of our time to one or more great orginazations locally.

I think as young people in our community we can be advocates for volunteerism.

2 Weeks to get homestead exemption!

Matt Hodges (EXIT Realty Paramount) — Tue, 14 Apr 2009 22:58:43 -0500

The may 1st deadline is fast approaching for buyers purchasing homes that maybe a bank foreclosure and is non-homestead for 2009.

If you are buying a foreclosure and it is slated to become non-homestead in 2009 you have to close by May 1st to file your new home as a homesteaded residence. Otherwise you will inherit the non-homestead taxes for 2009-10.

Call the township office in which the home is located and ask how the taxes will be for the coming year, so you can be prepared for whats to come.

I would suggest trying to close prior to the deadline in possible.

We've Hit BOTTOM!!!

Matt Hodges (EXIT Realty Paramount) — Tue, 14 Apr 2009 22:50:03 -0500

Since no one really will come out and say it - I guess I will.

In my area (Grand Traverse, Michigan) I think we have hit the bottom of the market. At least in the home prices under 130-150K. Most of the homes that I have been looking and offering on have had multiple offers and are going for at least the listing price!

I also think that many of the true investors ore coming out of the wood work and snooping around. Everyone knows of an "investor" that will come in and low ball any and EVERY home they offer on, but a true investor will recognize value or margins. I have seen more margin buyers, with cash, come out and begin to look. When these guys get off the fence, we will see a great up turn with every pricepoint in the market!

For the most part the stock market is beginnning it's climb and consumer confidence is really getting better evey week. With confidence comes spending and spending creates jobs, jobs create more spending and the wonderful circle continues!

All the buyers that have been thinking of buying - IT IS NOW TIME TO BUY! With prices down your opportunity's are at the highest levels I have seen! RATES are still extremely LOW - who knows how long that will last...

Since were at the bottom, there is no where to go but up - that includes prices and likely rates! If your in the market you will want to strongly consider buying soon.

2009 will be a great year for the Real Estate Industry and I am really looking forward to the rest of the year!

Stimulus Passing Senate...$15,000 tax credit for buyers!!

Matt Hodges (EXIT Realty Paramount) — Tue, 10 Feb 2009 22:42:12 -0600

Even though I am not a huge fan of the stimulus plan there is a great part in there that will help buyers pull the trigger and hopefully make a decision.

Of course this is not a done deal, but we are looking at a 10% or up to a $15,000 tax credit to buy a principal residence prior to the end of August this year. What a great incentive.

This is piggy backing a 2008 piece of legislation that gave a 10% or $7,500 tax credit for 1st time home buyers, and it had to be paid back during a 15 year period. This near proposed credit will NOT have to be paid back!

This is opportunity for buyers and we MUST let them know!

YOUNGEST AGENT IN YOUR OFFICE?

Matt Hodges (EXIT Realty Paramount) — Mon, 12 Jan 2009 21:57:26 -0600

I am looking into who is the youngest Realtor in my board because I am hoping to use that info for marketing purposes. I am 25 and I have been selling Real Estate for 2 years, but there isn't a lot of other agents my age to chat with. I am the youngest in my office and maybe in my board.

What is the youngest age in your office and are they doing any good as far as production?

Thank you for your help!

Matt Hodges

TOP AGENTS AND A FAMILY LIFE? HOW DO THESE WORK...HELP!

Matt Hodges (EXIT Realty Paramount) — Mon, 12 Jan 2009 21:16:44 -0600

I am 25 with 2 beautiful girls and an equally beautiful wife, but I also have a passion to be a top agent in my local board....Is it possible to have both a strong family life as well as a thriving RE business?

I am currently number 1 in my office and in the top 7% of all agents in my board, but I want to be number one there too. I am struggling with many things right now and one of them is, how much time to I spend with my family and how much time to I spend working? Both are important, but only one is replacable.

I am looking to grow my business to a level that once I thought was out of reach, and now is feasable, but at what cost? I hope whoever reads this doesn't think that I am a jerk that neglects his family...that is quite the opposite. I am home often so that my wife can continue her education (M.D) and dreams, so I am spending time, during the day, with my kids.

I need some advice on how to hire an assitant. I have had some great advice already, but I thought I would open this up to a larger group of people. I thought the rain would be perfect place to pose this question. Also, Any other suggestions to help me would be appreciated too.

Thank you in advance.

Matt Hodges

New website www.ForreclsouresByMatt.com ... What do you think?

Matt Hodges (EXIT Realty Paramount) — Mon, 12 Jan 2009 20:59:32 -0600

I thought I would post this website that I just released this past week and get your thoughts.

http://www.ForeclosuresByMatt.com

I would encourage your input and how I could make this site better for buyers.

Thank you

Matt Hodges

LAWSUIT SETTLED.... MICHIGAN vs COUNTRYWIDE FINANCIAL ...Thank you Mike Cox

Matt Hodges (EXIT Realty Paramount) — Wed, 08 Oct 2008 23:22:08 -0500

LANSING - Attorney General Mike Cox today announced a major settlement between the State of Michigan and Countrywide Financial, the nation's largest mortgage lender, resulting from allegations of predatory lending. The settlement will provide relief for more than 10,000 current and former Michigan homeowners who are struggling with the national home foreclosure crisis.

"Through our negotiations, we have provided a helping hand to thousands of Michigan families who are struggling with the foreclosure crisis," said Cox. "And, unlike the Wall Street mess, this was no bailout. Countrywide is paying, not the taxpayers."

Cox conducted national negotiations with Countrywide and other state attorneys general due to allegations of questionable lending practices. Those lending practices included misleading marketing techniques and incentives for selling loans with risky features, which may have contributed to the national increase in foreclosures.

As a result of the negotiations, Countrywide must offer to refinance thousands of Michigan mortgages, provide millions in financial assistance and stop questionable loan practices.

Under the terms of the settlement, Countrywide will:

Refinance as many as 9,700 mortgages in Michigan, giving families an opportunity to keep their homes, and saving them approximately $129 million as a result of more favorable terms.

Pay more than $9.8 million to assist Michigan homeowners who lost their homes to foreclosure. These funds will also be used for borrower education programs and neighborhood rehabilitation efforts.

Pay relocation assistance payments to certain homeowners who go into foreclosure after the date of this settlement, costing Countrywide up to $70,000,000 nationally.

Stop selling subprime and option ARM loans in Michigan for two years, and impose new limits on the sale of low or no-documentation loans.

Cap the amount a broker can earn to 4% of the amount borrowed.

Stop an automatic foreclosure process until certain details regarding the mortgage holder's situation have been verified.

Report quarterly to the Attorney General on the status of its troubled mortgages and what it is doing to keep them from going into foreclosure.

Maintain a specified number of staff focused on helping troubled homeowners avoid foreclosure proceedings.

Homeowners who acquired a loan from Countrywide Financial can call the Countrywide hotline for more information at 1-800-669-6607.

Citizens who feel they are victims of questionable lending practices can file a complaint with the State of Michigan Office of Financial and Insurance Regulation at 1-877-999-6442 or the Attorney General's Consumer Protection hotline at 1-877-765-8388.

http://www.michigan.gov/ag/0,1607,7-164--201239--,00.html

2ND & VACATION HOMES - BEWARE!!

Matt Hodges (EXIT Realty Paramount) — Thu, 18 Sep 2008 13:01:06 -0500

REAL ESTATE Tax Crackdown on Second Homes To help pay for the housing bill passed this summer, Congress has changed the rules for vacation homes and rental properties. Here's what you need to know about paying the piper. By Mary Beth Franklin, Senior Editor From Kiplinger's Personal Finance magazine, October 2008

Congress has pulled the rug out from under vacation-home owners planning to squeeze tax-free profit from their second homes. Under current law, you could sell your primary residence and take up to $250,000 of profit ($500,000 if you file a joint return) tax-free, as long as you owned and lived in the place for two of the five years leading up to the sale.

Then you could move into your vacation home or a rental property and, by living in it for at least two years, get a second bite of the tax-free apple. Even profit that built up while it was a vacation home or rental could dodge the IRS.

No more. To help pay for the big housing bill passed this summer, Congress has changed the rules so that some of your gain will be taxable if you convert your vacation home or rental unit to a primary residence after 2008.

The portion of the gain to be taxed is based on the ratio of nonqualified use -- the time the property is used as a vacation home or rental unit after this year -- to the total amount of time you owned the property.

Assume you bought a second home in 2000. Let's say you convert it to your primary residence in 2011 and sell it two years later. In this example, the home would be used as a vacation property for two years after 2008, so one-seventh of the profit (two out of the 14 years you owned it) would be taxed at capital-gains rates. The remainder of the gain -- up to $500,000 for couples -- would be tax-free.

This tax-law change could be even more significant if you buy a second home after 2008. In that case, none of the time it is used for vacations or rental income qualifies for the tax exclusion. But if you convert it to your principal residence, the longer you live there, the less the profit from a sale will be taxed. And you can avoid the crackdown altogether if you move in before the end of the year, says Raffaele Mari, a CPA in Corona Del Mar, Cal.

But what do you do with your current home? You could rent it to generate cash flow and buy some time before selling it in this slow housing market, says Mari. The tightening doesn't apply in reverse: You'd still qualify for tax-free profit on the home as long as you sell it within three years to meet the two-of-five-years test.

It seems in this volitale economy our government keeps hitting us where it hurts. Everytime something is passed the public seems happy, but who pays for it? That's right...you and I. This time it is just not in headline news. Makes a lot of sense in this economy to decrease opportunity....

What are your thoughts?

HOW QUICKLY WE'VE FORGOTTEN

Matt Hodges (EXIT Realty Paramount) — Thu, 11 Sep 2008 14:27:51 -0500

How Quickly We've Forgotten

The dust has long

been settled The debris has long

been cleared

But remember how united

we once were?

And the anger we all once shared?

The tears that once fell?

The fears we once felt?

The shock has come and gone

the pain we've all endured

How quickly we've all forgotten

The devastation of September Eleven.

"God Bless America and our Troops

FALLEN HERO'S.....MAY THEY NEVER BE FORGOTTEN!

Matt Hodges (EXIT Realty Paramount) — Thu, 11 Sep 2008 14:22:38 -0500

This is something I wrote after the 1st anniversary of the start of the War on Terror. It talks about the Soldiers, but I think it fits in to todays rememberence.

Fallen Soldiers

For the souls of our fallen soldiers

I thank you for your service

and sorry for the price you've paid

For the families who

have lost a hero

we owe you so much

and yet... you can

never be repaid.

Remembering ALL who served!

"God Bless America and our Troops

WHAT AN EMOTIONAL DAY...........I SIT AT MY DESK CRYING

Matt Hodges (EXIT Realty Paramount) — Thu, 11 Sep 2008 11:58:13 -0500

HELLO FRIENDS AND FELLOW ACTIVE RAIN AGENTS....

Today is a day of mourning. I got up this morning and read the newspapers from 9/12/01 and began to cry. I am a member of the United States Navy Reserve that has have friends and family that have been deployed to Iraq. This day is always an emotional day for me and many people I know.

Can you believe the most significant day in our Countries history is only really talked about once a year!

As we listen to the radio and hear the 911 calls from that horrific day reminds us of all who lost there lives.

I don't know what to write on this blog becasue so many emotions are running through me. I will write something and then erase it because my mind will go somewhere else.

I wish everyone who knew someone who died 7 years ago the best and I am very sorry for your loss and God Bless.

For all the Hero's who lost there life fighting the war against terror, God Bless You.

Please take a moment to remember 9/11/01

NO DOWN PAYMENT ASSISTANCE WITH FHA!

Matt Hodges (EXIT Realty Paramount) — Sat, 30 Aug 2008 22:50:56 -0500

This is straight from my local Countrywide lender.

I wanted to make sure everyone is aware that HUD will no longer allow DAPs starting this Friday, August 29th. If you have a buyer that is close to writing an offer and is planning on using an FHA loan with a DAP, they will need to have their loan locked by this Friday. Additionally, the purchase will need to fund by September 30th.

Why is this happening? HUD has found that the performance/default rate of FHA loans with a DAP have a substantially higher rate of default when compared to FHA loans that the buyer came up with their 2.25%-3% down payment.

There continues to be further discussions about repealing the recent congressional decision regarding DAPs, however, please make sure you educate your buyers as they will no longer be able to use seller contributions to pay for their down payment..... You will still be able to cover closing costs and prepaids with seller concessions..

I THINK THAT THIS MAKES A TON OF SENSE, BUT MAY HURT AN ALREADY SLOW MARKET.

Is the worst Over?....

Matt Hodges (EXIT Realty Paramount) — Fri, 29 Aug 2008 11:35:01 -0500

Daily Real Estate News | August 26, 2008Is the Worst Over? Analysts Have Mixed Views

Some analysts reacting to the news that home sales rose a healthy 3.1 percent in July compared to June say the increase predicts further improvement. Others are more pessimistic.

"We are not yet ready to call the current levels a bottom but clearly most of the declines are behind us," says Adam York, a Wachovia Corp. economist.

"The good news is the trough is behind us," says Harm Bandholz, a New York-based economist with UniCredit, but Bandholz warns that tighter lending standards and rising foreclosures will continue to put pressure on housing prices.

Real estate consultant John Burns, who advises large builders and investment firms, says he thinks supply and demand will remain out of whack until there is a 46 percent decline in the inventory of homes on the resale market.

Burns, who is president of John Burns Real Estate Consulting, estimates that by 2010 the most stable markets will reach equilibrium and by 2011, the national market will move into better balance. Overall, he believes that it will take until 2014 for it to be business as usual.

Sources: The Wall Street Journal, Kelly Evans (08/26/2008) and Business Week, Amy Feldman (08/18/2008)

I guess we are in for the long haul. Good luck to everyone.

new website

Matt Hodges (EXIT Realty Paramount) — Tue, 26 Aug 2008 20:40:57 -0500

Hello again:

I am attempting to put together my new website called www.tclakefront.com and I am looking for some advice as to getting the name out there.

Please take a look at the preliminary stages of this site and I would liek some constructive help as well as input on how I can get this seen.

Thank you in advance.

I need some advice on a new website....

Matt Hodges (EXIT Realty Paramount) — Tue, 26 Aug 2008 20:04:04 -0500

Hello again:

I am attempting to put together my new website called www.tclakefront.com and I am looking for some advice as to getting the name out there.

Please take a look at the preliminary stages of this site and I would liek some constructive help as well as input on how I can get this seen.

Thank you in advance.

New Website....How to get it out there? ADVICE!

Matt Hodges (EXIT Realty Paramount) — Tue, 26 Aug 2008 20:00:03 -0500

Hello again:

I am attempting to put together my new website called www.tclakefront.com and I am looking for some advice as to getting the name out there.

Please take a look at the preliminary stages of this site and I would liek some constructive help as well as input on how I can get this seen.

Thank you in advance.

LUCKY I WASN'T ARRESSTED...short sale!

Matt Hodges (EXIT Realty Paramount) — Wed, 13 Aug 2008 22:00:44 -0500

I won't bore you with the details of this deal, so I will take you to the closing table last Thursday or one of my hardest short sales EVER!

After a long process and thinking that I wasn't going to be able to sell this listing...and it was going to foreclose in a few days we finally made it to the closing table last Thursday. We still had one hang up where we needed a Power of Attorney for one of the sellers. The catch is that that seller has not been very good with his follow through.

Long story short, I got the POA and we were able to close. Another catch, the lender(Chase) would not accept a wire, they wanted check in hand the next day! (By the way, 2 loans, both with Chase.) It is now about 6:45pm and all the UPS trucks have come and gone for the day, so I had to RACE across town and try to make the last drop off at 7pm.

I didn't make it....

If you know anyone who does short sales, they don't take no for an answer.....well, that's me :) I pulled into the parking lot of UPS shipping and saw that one of the bay doors were cracked open to let in some air for the guys loading the trucks. I am in a nice pin striped suit with my famous pink tie(for luck) and crawled under this 2ft opening. Yes, I did!

I see some pepole loading a few trucks and I hold up my hand and yell, "Can I get these overnighted?" As I said that I am thinking to myself, I am going to get either shot, arressted or both. Fortunatly, I was met by a very nice guy who took the packages and took them to the right person and I was free to go.

I got into my truck and thought that was both the stupidest thing I have done and yet the smartest. If I didn't crawl under that door my seller would have lost her home to foreclosure 2 days later. We literally took this one to the wire and made it happen.

This was an exciting day, but I can still say that I have never lost a home to foreclusre yet!! I will crawl under that door again if I have to.

Matt Hodges

TOP AGENTS WITH A FAMILY LIFE?

Matt Hodges (EXIT Realty Paramount) — Wed, 13 Aug 2008 21:39:53 -0500

I am 24 with 2 beautiful girls and an equally beautiful wife, but I also have a apssion to be a top agent in my local board....Is it possible to have both a strong family life as well as a thriving RE business?

I am looking to grow my business to a level that once I thought was out of reach, and now is feasable, but at what cost? As we watch the Olymics and hear there story of sacrifice to acheive a goal is phenominal but they seem to accept it because of the prize. I hope whoever reads this doesn't think that I am a jerk that neglects his family...that is quite the opposite. I am home often so that my wife can continue her education and dreams, so I am spending time, during the day, with my kids.

I am afraid, however, when I grow my business to a point where I can't get away, what happens then?

Does anyone have any experience with this? I would appreciate any advice.

Thank you in advance.

Matt Hodges

Re-inventing my Business..Have you done this?

Matt Hodges (EXIT Realty Paramount) — Wed, 13 Aug 2008 19:16:24 -0500

I have been doing short sales and have been quite good at them and have made me good money. The problem is, as many of you may know, it is very hard and time consuming to do these. I am now contimplating changing my primary focus to some other niche.

Has anyone had a n experince with doing this and have any pointers?

Thanks to everyone in advance.

Matt Hodges

Do you judge agents because of there age?

Matt Hodges (EXIT Realty Paramount) — Wed, 13 Aug 2008 17:50:08 -0500

Hello Everyone.

I have been in real estate now for nearly two years and half of that time has been full time. I have been quite successful for our local standards, but of course I want to do better. I am currently in the top 7% of our board and number 1 in my office, but it seems that I don't get any respect due to my age.

Can anyone relate to this? I am pretty frusterated that I can do so well but, from my perspective, be just a kid that just happens to be doing well.

My wife and I have always been business minded and forward thinkers. For example; I have started a great business in RE and she is a full time student as well as owning her own massage and spa business with 4 employee's.

I guess I am just venting a little bit, but I would like to know if anyone else feels this way or maybe you are one of those that looks at us in our low to mid 20's and think, "He'll never make it, so don't listen to him."

Maybe I am way off the mark, but I don't think so. Let me know your thoughts.

Matt Hodges

Keeping organized....How do you do it?

Matt Hodges (EXIT Realty Paramount) — Sun, 27 Jul 2008 12:18:17 -0500

Hi My name is Matt Hodges and I have a problem...I am addicted to sticky notes and need your help!!

I, in my short time in real estate, have done pretty well and I currently sit among the top 8% of all Realtors in my board, but I have a HUGE problem with keeping organized! I will receive a call from a buyer or inquiry of some sort and write the note down on a sticky. From there I will pile it on or near all the other notes I have compiled through the day/week.

I haven't had anything "bad" happen yet, accept ofr probably missing out on multiple deals that I could have had if I was following up on all these sicky notes. I currently have a day planner and a dry erase board, both I will write in/on, but not look at again.

I can't be the only one having issues like this, so does anyone have any easy solutions for me?

Thank you in advance!

Matt Hodges

Realtor / Short Sale Specialist

Exit Realty Paramount

313 E Front St

Traverse City, Mi

49684

231.624.1650 Cell

231.946.4404 Office

231.946.4504 Fax

Mailto: MHodges@TCExit.com

website: www.MattHodges.net

See my short sale listings at www.EXITShortSales.com

Dealing with Desperate Agents...

Matt Hodges (EXIT Realty Paramount) — Sat, 26 Jul 2008 09:38:08 -0500

I would like to open this blog with, I understand what it feels liek to be desperate for a sale. At what cost are we to try and sell a home? It seems that many fudiciary duites have been tossed out the window.

I have only been practicing real estate full time for about a year now and have been very blessed with my success, however, it has been a struggle to get to where I am now, however, I made it and I did it the right way.

I have seen agents sign for buyers as power of attorney when there was a dought whether that agent could do thtat or not, I have had agents tell me the bottom line to get the deal done (of course I have to tell my client that info.)

I am concerned that Realtors will continue to get a bad rap as long as "we" act like this.

I know I can't be the only one concerned with this, but I haven't seen a much in the blog world. Lastly, I would like to say that 90-95% of Realtors I have delt with have been tremendous, but as usual the few make everyone look bad.

Thank you to the 90-95%, and Happy selling!

Matt Hodges

Realtor / Short Sale Specialist

Exit Realty Paramount

313 E Front St

Traverse City, Mi

49684

231.624.1650 Cell

231.946.4404 Office

231.946.4504 Fax

Mailto: MHodges@TCExit.com

website: www.MattHodges.net

See my short sale listings at www.EXITShortSales.com

Foreclosures....Short Sales.....EXIT Realty.....OH MY!

Matt Hodges (EXIT Realty Paramount) — Tue, 17 Jun 2008 00:30:40 -0500

After another crazy Monday I am amazed with the amount of work there is out there if you just keep positive and striving forward.

I am an average guy who came from a lawn care background that took a very big risk and this past fall(07) I decided I was not going to go back to my full time job in early 08. I will try my hand at this real estate game full time.

If I wanted to keep my hopes in not going back to my secure job I had to work very hard and quickly. I had a mentor with EXIT Realty who showed me that knocking on doors could be a great way to get leads in a down market.....the road less traveled, right? Well, my mentor ended up leaving to try something different and I was left out to dry. He left some of his listings that I was know in charge of selling. I was super excited! The one that turned up the heat on my business was a little ranch home in a transitional neighborhood that was going into foreclosure.

This is the first time I had heard the term short sale and thought, "This seems like a lot of work." I ended up closing it rather quickly! "Could they all be this easy?" UH NOOO :) Nevertheless, the term short sale became a big part of my vocab. From that moment I started my education in short sales and how to find them. In a short amount of time I have helped many families avoid foreclosure and work myself into the 10% of all agents in our board through May!

I am now getting the calls from the lenders and banks to list their REO's! Man, getting listings without marketing to them......this is awesome! What other business could a 24 year old guy get so much respect so quickly?

I think if anyone is having a hard time with this market, I would just say hang on and be positive. I am having quite a bit of success in the "normal" market as well, so it's not like I am ONLY selling foreclosures and short sales. I wake up everyday thankful for my family and the ability to go to work and do something I truely enjoy doing.

Have a great Day and Happy Selling!!

Matt Hodges

Realtor / Short Sale Specialist

Exit Realty Paramount

313 E Front St

Traverse City, Mi

49684

231.624.1650 Cell

231.946.4404 Office

231.946.4504 Fax

Mailto: MHodges@TCExit.com

website: www.MattHodges.net

See my short sale listings at www.EXITShortSales.com