Another home sold!!! If you are looking for a real estate professional who can get the job done, call me!
I utilize the latest technologies, market research and business strategies to meet your expectations. More importantly, I listen and that means I find solutions that are tailored to you!
I am a full service Realtor with FLEXIBLE commission!
Delaware County was recently rated in the top 5 places to raise a family.
I have to admit I am glad I moved to Delaware to raise my children. There are so many opportunities for the kids to play sports, expolre new things by attending camps, creative classes at the Art's Castle, community pools, super fun parks, zoo, Little Brown Jug in September or just paint a piece of pottery with a few friends all at affordable prices.
It's just a short drive to several stores and don't forget Polaris Fashion Mall. (can't wait for the new Kohl's to open)
Want to know more about Delaware?? Here are some links for kids activities! There are tons of things to do and I can't possibly list them all. If you are looking for an specific activity, send me an email and I'll try to help you out!
The thought never crossed my mind that so many pets were also losing their homes or even worse just being abandoned due to the foreclosure crisis.
There is now a not for profit group offering helpful resources for owners and their animals that are victims of foreclosure. You can click this link to visit their site http://nopawsleftbehind.org
This is their mission statement:
Our Passion, Our Love, Our Mission
No Paws Left Behind, Inc. is a focus driven not for profit organization, designed to bring awareness to all communities the silent victims of foreclosure who have no voice or rights to implement change. As a united front, we will restore moral obligations toward all pets that have the potential to be, or have been, left behind to suffer needlessly. We further pledge to act as a support group for those who find foreclosure imminent and need help to find shelter for their beloved pets; be a resource for those who find or know of abandoned pets; and last, but by no means least, we must unite to end the needless suffering by creating a national movement targeting lawmakers to change the laws categorizing pets as personal property.
If you know of an animal that has been left behind to suffer, please contact your local animal shelter immediately.
If you need your home sold, call me! I have the expertise to get the job done!!
I utilize the latest technologies, market research and business strategies to meet your expectations. However, more importantly, I listen and that means I finds solutions that are tailored to you.
Rare opportunity to own a 1st floor unit, in this 55+ community! 1 Bedroom with 2 full bathrooms! Newer laminate flooring! All appliances including the washer and dryer! Common area for spending time with friends! Additional storage available on site! Exercise equipment for residents! Some planned activities such as Bingo and cards.
Sold in under 30 days!!! For 98% of the list price!
This ranch located on a corner lot is a must see! Needs some work but has loads of potential. Could be converted back to a 3 bedroom. Fenced yard! Sunroom! Patio! Shed! Convenient to downtown Delaware! Being sold as is where is
If you are in need of a real estate professional that can get the job done, give me a call 614-562-0844.
Before you start house hunting, you need to determine how much house you can afford, which will entail getting either prequalified or preapproved for a home loan. A real estate agent can help you find a mortgage broker to begin the process. While getting preapproved is a more in-depth process, a preapproval letter lets both real estate agents and sellers know that you're a serious shopper who means business.
What do I do to get prequalified?
A prequalification can be done online or over the phone and does not require your submitting financial documents. You will be asked to provide basic information about your finances - for instance, your household income versus your debt load. With this information, the lender will estimate what your maximum loan amount could be if you were to apply.
What about getting preapproved?
A preapproval is more involved and a real estate agent can help you prepare your documentation. The lender will perform an extensive review of your finances, requiring pay stubs, tax records, credit accounts, bank statements and more. This figure will not only be a more reliable estimate of what you can afford, but your preapproval also indicates that a lender is willing to do business with you, pending the purchase price, market appraisal and the underwriting process.
What should I ask when shopping for a lender?
Your real estate agent should have a mortgage broker they are willing to put you in contact with - this lender will be someone they have done business with in the past, and feel comfortable recommending. However, if you decide to do a little comparison shopping and look for a lender on your own, here are a few important questions to ask.
What loan programs do you offer and which one do you think is best for me?
How long will the loan approval process take?
What line items of the loan agreement - if any - are negotiable?
What is your policy for locking in interest rates, and will you honor a lower rate if it declines during the lock-in period?
10 Questions to Ask Your Realtor about Selling a House
Are you a full-time professional real estate agent? How long have you worked full time in real estate? How long have you been representing buyers? What professional designations do you have? Knowing whether or not your agent practices full time can help you determine potential scheduling conflicts and his or her commitment to your transaction. As with any profession, the number of years a person has been in the business does not necessarily reflect the level of service you can expect, but it is a good starting point for your discussion. The same issue can apply to professional designations.
Do you have a personal assistant, team or staff to handle different parts of the purchase? What are their names and how will each of them help me in my transaction? How do I communicate with them? It is not uncommon for agents who sell a lot of houses to hire people to work with them. As their businesses grow, they must be able to deliver the same or higher quality service to more people. You may want to know who on the team will take part in your transaction, and what role each person will play. You may even want to meet the other team members before you decide to work with the team. If you have a question about fees on your closing statement, who would handle that? Who will show up to your closing?
Do you have a Website that will list my home? Can I have your URL address? Who responds to emails and how quickly? What's your email address? Many buyers prefer to search online for homes because it's available 24 hours a day and can be done at home. So you want to make sure your home is listed online, either on the agent's Website or on their company's site. By searching your agent's Website you will get a clear picture of how much information is available online.
How will you keep in contact with me during the selling process, and how often? Some agents may email, fax or call you daily to tell you that visitors have toured your home, while others will keep in touch weekly. Asking this question can help you to reconcile your needs with your agent's systems.
What do you do that other agents don't that ensures I'm getting top dollar for my home? What is your average market time versus other agents' average market time? Marketing skills are learned, and sometimes a real estate professional's unique method of research and delivery make the difference between whether or not a home sells quickly. For example, an agent might research the demographics of your neighborhood and present you a target market list for direct marketing purposes.
Will you give me names of past clients? Interviewing an agent can be similar to interviewing someone to work in your office. Contacting references can be a reliable way for you to understand how he or she works, and whether or not this style is compatible with your own.
Do you have a performance guarantee? If I am not satisfied with your performance, can I terminate our listing agreement? In the heavily regulated world of real estate, it can be difficult for an agent to offer a performance guarantee. If your agent does not have a guarantee, it does not mean they are not committed to high standards. Typically, he or she will verbally outline what you can expect from their performance. Keller Williams® Realty understands the importance of win-win business relationships: the agent does not benefit if the client does not also benefit.
How will you get paid? How are your fees structured? May I have that in writing? In many areas, the seller pays all agent commissions. Sometimes, agents will have other small fees, such as administrative or special service fees, that are charged to clients, regardless of whether they are buying or selling. Be aware of the big picture before you sign any agreements. Ask for an estimate of costs from any agent you contemplate employing.
How would you develop pricing strategies for our home? Although location and condition affect the selling process, price is the primary factor in determining if a home sells quickly, or at all. Access to current property information is essential, and sometimes a pre-appraisal will help. Ask your agent how they created the market analysis, and whether your agent included For Sale by Owner homes, foreclosed homes and bank-owned sales in that list.
What will you do to sell my home? Who determines where and when my home is marketed/ promoted? Who pays for your advertising? Ask your real estate agent to present to you a clear plan of how marketing and advertising dollars will be spent. If there are other forms of marketing available but not specified in the plan ask who pays for those. Request samples or case studies of the types of marketing strategies that your agent proposes (such as Internet Websites, print magazines, open houses, and local publications).
HUD RELEASES TIPS FOR AVOIDING FORECLOSURE Information aimed at helping more homeowners stay in their home WASHINGTON - Today, the U.S. Department of Housing and Urban Development (HUD) released its top 10 tips for homeowners who are facing foreclosure. "These guidelines will assist homeowners who are struggling to pay their mortgage and could be threatened with foreclosure," said HUD Secretary Alphonso Jackson. "We want to encourage homeowners to take action and use every resource available so that they can get control of their finances and stay in their home." If you are unable to make your mortgage payment: 1. Don't ignore the problem.The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house. 2. Contact your lender as soon as you realize that you have a problem.Lenders do not want your house. They have options to help borrowers through difficult financial times. 3. Open and respond to all mail from your lender.The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court. 4. Know your mortgage rights.Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office. 5. Understand foreclosure prevention options.Valuable information about foreclosure prevention (also called loss mitigation) options can be found on the internet at http://www.fha.gov/. 6. Contact a non-profit housing counselor.The U.S. Department of Housing and Urban Development funds free or very low cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance. 7. Prioritize your spending.After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage. 8. Use your assets. Do you have assets-a second car, jewelry, a whole life insurance policy-that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don't significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home. 9. Avoid foreclosure prevention companies. Many for-profit companies will contact you promising to negotiate a loan work out with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month's mortgage payment) for information and services your lender or a HUD approved housing counselor will provide for free if you contact them. You don't need to pay fees for foreclosure prevention help-use that money to pay the mortgage instead. 10. Don't lose your house to foreclosure recovery scams!If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a HUD approved housing counselor or trusted real estate professional. To find out more about HUD-approved housing counseling agencies and their services, please visit www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call toll free (800) 569-4287 on weekdays between 9:00 a.m. and 5:00 p.m. Eastern Standard Time (6:00 a.m. to 2:00 p.m. Pacific Time). The same number can give you an automated referral to the three housing counseling agencies located closest to you. -###- HUD is the nation's housing agency committed to increasing homeownership, particularly among minorities; creating affordable housing opportunities for low-income Americans; and supporting the homeless, elderly, people with disabilities and people living with AIDS. The Department also promotes economic and community development, and enforces the nation's fair housing laws. More information about HUD and its programs is available on the Internet at http://www.hud.gov/ and espanol.hud.gov.
Ohio Home Rescue Fund Low- and moderate-income households that are in danger of losing their homes should contact: 1-888-995-HOPE (4673)
This toll-free hotline managed by the Homeownership Preservation Foundation (HPF) is open 24 hours per day, seven days per week. Callers will be connected to a nonprofit counselor who will provide telephone-based budget counseling assistance, customer triage and negotiation with lenders, when appropriate. If more assistance is needed, callers will be referred to a local nonprofit organization whose employees are certified to provide intensive financial counseling and direct consumers to local services and resources, including possible assistance through the Ohio Home Rescue Fund.
Background
In July 2006, the Ohio Department of Development's Office of Housing and Community Partnerships awarded a $1 million grant to Neighborhood Housing Services of Greater Cleveland, in partnership with 11 other nonprofit organizations, to create the Ohio Home Rescue Fund, a statewide foreclosure prevention fund. The partner agencies are: Columbus Housing Partnership; Corporation for Ohio Appalachian Development; East Akron Neighborhood Development Corporation; Home Ownership Center of Greater Cincinnati; Neighborhood Conservation Services of Barberton; Neighborhood Development Services; Neighborhood Housing Partnership of Greater Springfield; Neighborhood Housing Services of Hamilton; Neighborhood Housing Services of Toledo; Rural Opportunities, Inc. Ohio; and St. Mary Development Corporation. The Ohio Home Rescue Fund is part of a larger foreclosure prevention initiative that includes a public education campaign, marketing and outreach efforts, telephone and face-to-face counseling, loss mitigation for the community, lenders and homeowners, and training for nonprofit counselors and consumers. The Fund is expected to leverage more than $1.6 million of other public and private funds and provide financial assistance to an estimated 333 low- and moderate-income families in Ohio (up to $3,000 per household) that are in danger of losing their homes through foreclosure. The Ohio Home Rescue Fund is funded through the Ohio Housing Trust Fund Discretionary Grant Program, which provides funding to eligible organizations to create housing opportunities, expand housing services and improve housing conditions for low- and moderate-income families and individuals.
NEWS, TIPS AND ADVICE FOR THE HOMEBUYER/SELLER 1/6/08 By Greg Hrabcak, President Columbus Board of REALTORS®
For many of you, 2008 will be the year to buy a new home. For some of you,this will be your first home ever. Financial preparedness, getting organized and gaining knowledge about where you will be living will help make this process go more smoothly. Here are some things you can do to prepare... Get a detailed credit history report. This will also give you a better idea of what kind of mortgage rate you will be able to get. Often, a mortgage company will accept the letter from the credit bureau as enough assurance to offer you a lower interest rate until the report shows the actual correction. Research real estate web sites. Many real estate companies are developing elaborate web sites with options for keeping track of what houses you like, neighborhood research and statistics and a variety of other tools. Perusing their web sites will give you an idea of which company you will feel most comfortable working with. Also, ask friends, coworkers and family about which REALTORS® or real estate companies they felt were the most efficient and professional. However, until you are ready to really start looking at houses, don't feel like you have to commit to an agent. Start tracking your budget. This will help you get a more accurate idea of what you can afford to pay for a new mortgage. Along the same note, your budget will help you put away more money for the down payment. Find ways to save more money by noting any extraneous spending that you can cut out. Get a feel for neighborhoods and schools. Perhaps you are just moving across town so you already have a good idea the town you'll be living in, but it still doesn't hurt to find out as much as you can about the school districts, traffic patterns, amenities and styles of different areas. Through this process, you might even be able to narrow where you want to live down to two or three neighborhoods. Now is a great time to buy!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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