realtor: Understanding the Offer Process: Strongsville Real Estate - 06/10/08 01:29 AM
By:
CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
06-10-08

 
Above-average levels of property inventory have left today's buyers overwhelmed with the choice and selection of homes.
The average home buyerspends about five weeks investigating real estate housing, school and community information before even contacting a real estate agent.
Yet, once you have narrowed down the selection to your preferred house, it's finally time to make an offer. But how does it work and what can you do to help get your offer accepted?
The Offer Process
Working through your REALTOR, you will draft an offer with price and terms that you are comfortable … (0 comments)

realtor: The Woods of Strongsville HOA Information: Strongsville Real Estate - 11/25/07 01:15 PM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
11-25-07
  
Thank you for visiting this page and for your interest in The Woods of Strongsville! 
This development is located off Pearl Road, with Boston Road to the south and Drake Road to the north, and includes such amenities as a picnic playground area with jungle gym, tennis courts and soccer field.
There is an association fee for every home owner along with property owner's association rules and bylaws.  This development offers traditional colonials ranging from $250,000 to $350,000 (with a fee of $165 per year), and cluster homes as well.
I … (0 comments)

realtor: High Point HOA Information: Strongsville Real Estate - 11/19/07 11:08 AM
Posted by:
CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Thank you for visiting this page and for your interest High Point! 
This development is located off Drake Road, with Boston Road to the south and Drake Road to the north, and includes such amenities as a 25 meter outdoor swimming pool with diving board, slides and toddler area, a picnic playground area with jungle gym, basketball court, tennis courts and a luxurious club house available for rental by homeowners for a nominal fee($125 to $225 depending on the time of year).
There is an association fee for every home owner along with property … (0 comments)

realtor: Waterford Crossing HOA Information: Strongsville Real Estate - 11/19/07 11:02 AM
By:
CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
11-19-07

 
  
Thank you for visiting this page and for your interest Waterford Crossing! 
This development is located off Drake Road, with Boston Road to the south and Drake Road to the north, and includes such amenities as a 25 meter outdoor swimming pool with toddler area, a picnic playground area with jungle gym, tennis courts and a luxurious club house available for rental by homeowners for a nominal fee (just $125).
There is an association fee for every home owner along with property owner's association rules and bylaws. Yet, with all the amenities and … (0 comments)

realtor: Westwood Farms HOA Information: Strongsville Real Estate - 11/18/07 08:41 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
11-18-07
  
Thank you for visiting this page and for your interest Westwood Farms! 
This development is located off Prospect Road, with Westwood Road to the south and Albion Road to the north, and includes such amenities as an Olympic sized outdoor swimming pool, a picnic playground area with jungle gym, basketball court, tennis courts and a luxurious club house available for rental by homeowners for a nominal fee.
There is a yearly association fee (currently 475 annually) for every home owner along with property owner's association rules and bylaws. Furthermore, the cluster homes within the … (0 comments)

realtor: The negative effects of home foreclosure, and how to save yourself from the biggest loss : Cleveland Real Estate - 11/18/07 08:18 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
11-18-07
  
Home ownership is one of the biggest dreams most individuals hope to fulfill.   Owning a home not only speaks highly of an individual's achievements in life, but is ultimately the place where one can come home to after a long day at work. 
Sadly, there are no absolute guarantees in life and such circumstances as illness, losing one's job, divorce or other life changing events can severely impact the average home owner.  These unfortunate events may hamper one's ability to meet their financial ability to pay bills, taxes or even their home … (0 comments)

realtor: Mortgage; TO WAIT OR NOT TO WAIT THAT IS THE QUESTION: Strongsville Real Estate - 10/15/07 04:59 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
10-05-07
Waiting on an interest rate can cost home buyers more than they think...
"The sooner, the better" may be the best strategy for buying houses. That's because lower interest rates can actually mean higher costs for those who delay the purchase of a home too long.  When there are fluctuations in mortgage rates, Americans have a habit of waiting just a little while longer, hoping to save thousands of dollars as the rates dip lower. But, even if the rates do fall further, that waiting strategy can actually cost you more.
For … (0 comments)

realtor: Mortgage; DOES PAYING POINTS ON YOUR MORTGAGE MATTER? :Strongsville Real Estate - 10/15/07 04:56 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
10-05-07
Points are an investment on which the return consists of lower mortgage payments in the future and a lower loan balance if the loan is paid off before term, which almost all are. The investment makes sense for borrowers who have the money and find the return high enough to be attractive.  The standard view is that the borrower's time horizon must be quite long to make points worthwhile -- I have made this statement myself many times. However, when I recently calculated rates of return for different types of mortgages, I … (2 comments)

realtor: Mortgage; TODAY’S CHAOS WITH ARMs : Cleveland Real Estate - 10/15/07 04:54 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
10-05-07
In recent weeks, online articles have overflowed with messages of distress from borrowers faced with an imminent rate adjustment on their adjustable-rate mortgages (ARMs). Most of them want to refinance, but many of those who had earlier taken 100 percent loans are stuck. With the current softness in the housing market, they now owe more than their homes are worth. Lenders are strongly resistant to refinancing loans with balances exceeding property values.
Furthermore, a great majority of the borrowers don't have a clue as to exactly what is going to happen to … (1 comments)

realtor: Mortgage; THE HOW TOS OF THE MORTGAGE MARKET: Strongsville Real Estate - 10/15/07 04:51 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
10-05-07
Buying a home is the biggest financial investment most of us will ever make. As with any large project or goal, it requires dealing with a variety of complex issues. The best approach is to divide the process into manageable tasks. The following deals with the first steps of gathering your records, determining what you can afford, and understanding mortgage options.
The first step you should take is to put your own finances back in order. Before you go looking for a home, you should determine how much home you can afford. … (1 comments)

realtor: Mortgage; HOW TO AVOID A SUBPRIME MORTGAGE: Cleveland Real Estate - 10/15/07 04:48 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
10-05-07
So, what exactly does subprime mean anyway?  Well, subprime references the borrower's credit rating, so the easiest way to avoid getting a subprime loan is to have a prime credit rating. 
Don't know your credit rating? I suggest you take a journey online and do some research then.  There are many available credit scoring sources online.  For example, Bankrate.com offers a FICO score estimator to get a free estimate or pay for your credit score from one or more of the three main credit bureaus -- Equifax, Experian or TransUnion. So, make … (0 comments)

realtor: Title; REASONS FOR TITLE INSURANCE: Strongsville Real Estate - 10/15/07 04:42 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
09-28-07
Every home owner should be aware if they are not already, that buying property is a numbers business.  This means that the smart homeowner/investor should not only put in the time to know where their current home expenses occur, but should also be aware of the possible risks and expenses they may take on in the future.  With this in mind, below is a list of possible situations I feel you should be aware of, and know how to protect yourself and your home against.
Number one, a fire destroys only … (1 comments)

realtor: Title; WHY DO YOU NEED TITLE INSURANCE?: Strongsville Real Estate - 10/15/07 04:40 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
09-28-07
The first and foremost reason is to protect possibly the most important investment you'll ever make - the investment in your home. With a title insurance policy, you as the owner, have an indemnity contract that will reimburse you for loss in the event someone asserts a claim against your property that is covered by the policy.
So, now you might be interested to know, how can there be a title defect if the title has been searched.  Well, title insurance is issued after a careful examination of copies of the … (0 comments)

realtor: Title; WHAT IS TITLE INSURANCE?: Strongsville Real Estate - 10/15/07 04:38 AM
By:

CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612Date:
09-28-07
 
Real estate has traditionally been a family's most valuable asset. It is a form of wealth that is protected by many laws. These laws have been enacted to protect one's ownership of real estate and the improvements located on the land. The owner, the owner's family, and the owner's heirs have extremely big rights or claims in and to the property that you are buying. Those who may have an interest in or lien upon the property could be governmental bodies, contractors, lenders, judgment creditors, the Internal Revenue Service, or various other … (0 comments)

realtor: Sellers; YOUR FIRST HOME: Strongsville Real Estate - 10/15/07 03:03 AM
By:
CJ Harrington
Keller Williams Realty
Date:
09-21-07
Finding the right first home starts with a price range and a short list of desirable neighborhoods. But there are many other factors you'll need to consider before investing in what may be your biggest asset.  So, before you start, review your budget, choose an expert, and educate yourself by looking into some how to guides.
Home ownership is the cornerstone of the American Dream. But before you start looking, there are a number of things you need to consider. First, you should determine what your needs are and whether owning your own … (0 comments)

realtor: Sellers; HOW TO SELL A HOME IN A BUYER’S MARKET: Strongsville Real Estate - 10/15/07 03:00 AM
By: 


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
09-21-07
These days, I hear many complaints from home sellers:
"It's been on the market for nine months with without even a nibble."
"I cut the price three times, and it still hasn't sold."
"Three other houses on my block are up for sale, so I took mine down."
In a buyer's market, sellers not only compete with each other, they are also in competition with themselves.   
Typically, the first thing sellers think about doing to make their houses more marketable is reducing the price. Very often, that doesn't work, because even though … (0 comments)

realtor: Buyers; BASIC HOME BUYING SKILLS: Strongsville Real Estate - 10/15/07 02:45 AM
By:
CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:

 
09-15-07
The sad reality in today's market is that lenders are tightening their funds, and subsequently, they expect buyers to do the same. This means, lenders now make certain mortgage applicants are gainfully employed, are sure borrowers can actually afford to pay the mortgage during its full term, make sure applicants have near perfect credit and more carefully document that buyers have the cash to cover additional costs that come with home ownership as well.
Yet, if people were really responsible for their own financial behavior that would have taken the power … (1 comments)

realtor: Buyers; ACQUIRING A BARGAIN HOME IN TODAY’S MARKET: Strongsville Real Estate - 10/15/07 02:40 AM
By:
CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:

 
09-15-07
Whether you want to buy a house for personal use or as an investment, the first step is knowing how to cope with today's market.  So, what are we dealing with in today's market? 
Currently, we are facing what I like to call slump in the housing market.  Sellers are in disbelief as to what their home is currently valued at, and buyers are taking full advantage of the excess supply and offering low to dismal bids in order to find the seller who is willing to jump.  Which is reality, … (0 comments)

realtor: Buyers; WHAT IS THE DEAL ON “LEASE to OWN HOMES”?: Strongsville Real Estate - 10/15/07 02:33 AM
By:


CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
09-15-07
            A lease to own home is an option to purchase the property within a specified time period at an agreed upon price.  Generally, the borrowed (renter/possible buyer) pays an option fee to the seller of 1 to 5 percent of the price.  Also, the borrowed will pay rent and an additional rent premium that is credited to the purchase price.  So, if the option is not exercised, the buyer loses both the option fee and the rent premiums.  Just like many financial transactions, the lease-purchase option can be structured in … (1 comments)

realtor: FORECLOSURE AT A RECORD LEVEL: Cleveland Real Estate - 10/12/07 06:08 AM


Posted by:
CJ HarringtonKeller Williams Realtywww.cjharrington.comcjharrington.crs@gmail.com440.336.0612
Date:
09-09-07
 
In recent news, the delinquency rate for mortgage borrowers spiked higher in the second quarter and the number of homes entering the foreclosure process hit a record high.  Delinquencies hit 5.12 percent of all outstanding mortgages, up from 4.39 percent a year ago, the Mortgage Bankers Association (MBA) said in a quarterly survey.  Furthermore, serious delinquencies, those 90 days or more, jumped to 1.11 percent of all loans, from 0.98 percent in the first quarter.  The loans actually entering foreclosure proceedings stood at 0.65 percent, a rise from 0.58 percent … (2 comments)

 
CJ Harrington, Cleveland OH Listing Realtor Keller Williams Agent (Keller Williams Realty Greater Cleveland Southwest - 18318 Pearl Rd.; Stronsgville, OH 44136)

CJ Harrington

Cleveland OH Listing Realtor Keller Williams Agent

Strongsville, OH

More about me…

Keller Williams Realty Greater Cleveland Southwest - 18318 Pearl Rd.; Stronsgville, OH 44136

Address: 18318 Pearl Road, Strongsville, OH, 44136

Office: (440) 336-0612

Mobile: (440) 336-0612

Blog providing Cleveland, Ohio Real Estate Information on Homes for Sale, Local Listings, Foreclosures, Relocation, First Time Buyer Tips, Realtors, New Construction, Bank Owned Homes and More!


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