lehigh valley homes: Lehigh Valley Real Estate & Selling Your Home: 12 Questions to Ask When Choosing Your Lehigh Valley REALTOR® - 01/31/11 12:59 PM
Lehigh Valley Real Estate & Selling Your Home: 12 Questions to Ask When Choosing Your Lehigh Valley REALTOR®Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.  1. How long have you been in residential real estate sales? Is it your full-time job? While experience is no guarantee of skill, real estate — like many other professions — is mostly learned on the job. 2. What designations do you hold? Designations such as GRI and CRS®, which require that agents take additional, specialized real estate training, are held only by about one-quarter of real estate … (0 comments)

lehigh valley homes: Lehigh Valley Homes and Real Estate: 5 Property Tax Questions You Need to Ask - 10/16/10 09:16 AM
Lehigh Valley Homes and Real Estate: 5 Property Tax Questions You Need to Ask1. What is the assessed value of the property? Note that assessed value is generally less than market value. Ask to see a recent copy of the seller’s tax bill to help you determine this information. 2. How often are properties reassessed, and when was the last reassessment done? In general, taxes jump most significantly when a property is reassessed. 3. Will the sale of the property trigger a tax increase? The assessed value of the property may increase based on the amount you pay for the property. … (0 comments)

lehigh valley homes: Lehigh Valley Real Estate & Homes - Common TOP 5 First-Time Home Buyer Mistakes - 10/16/10 08:58 AM
Lehigh Valley Real Estate & Homes - Common First-Time Home Buyer Mistakes1. They don’t ask enough questions of their lender and end up missing out on the best deal.2. They don’t act quickly enough to make a decision and someone else buys the house. 3. They don’t find the right agent who’s willing to help them through the homebuying process.4. They don’t do enough to make their offer look appealing to a seller. 5. They don’t think about resale before they buy. The average first-time buyer only stays in a home for four years.Other Helpful Information - Things you just gotta … (0 comments)

lehigh valley homes: Lehigh Valley Mortgage and Real Estate: Specialty Mortgages: Risk and Rewards - 10/16/10 08:53 AM
Lehigh Valley Mortgage and Real Estate: Specialty Mortgages: Risks and RewardsIn high-priced housing markets, it can be difficult to afford a home. That’s why a growing number of home buyers are forgoing traditional fixed-rate mortgages and standard adjustable-rate mortgages and instead opting for a specialty mortgage that lets them “stretch” their income so they can qualify for a larger loan. But before you choose one of these mortgages, make sure you understand the risks and how they work.Specialty mortgages often begin with a low introductory interest rate or payment plan — a “teaser”— but the monthly mortgage payments are likely to … (0 comments)

lehigh valley homes: Lehigh Valley Homes & Real Estate: Lender Checklist: What You Need for a Mortgage - 10/16/10 08:50 AM
Lehigh Valley Homes & Real Estate - Lender Checklist: What You Need for a Mortgage - Perfect for Home Buyers in the "just looking" Stage.When you are in the "just looking" stages of Buying a Home is when you should start gathering all the documentation that will be needed to help you get a lehigh Valley Mortgage on your new home.
W-2 forms — or business tax return forms if you're self-employed — for the last two years for every person signing the loan. Copies of at least one pay stub for each person signing the loan. Account numbers of all … (3 comments)

lehigh valley homes: Lehigh Valley Mortgage & Real Estate: 5 Factors That Decide Your Credit Score - 10/16/10 08:46 AM
Lehigh Valley Mortgage & Real Estate: 5 Factors That Decide Your Credit Score
Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: 1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history. 2. How much you owe.  If you owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a good proportion of … (0 comments)

lehigh valley homes: FHA Renovation Loans - BEFORE & AFTER Photos of 203K Streamline & Standard Programs - 03/24/10 08:46 AM
FHA Renovation Loans - BEFORE & AFTER Photo's of 203K Streamline & Standard Programs - Get a Visual of what you can do WITH your next home or even with a Refinance of your current home.Renovation Finance Opportunities BEFORE & AFTERThe Buyer's Concern: "I wish the outside was as appealing as the inside"  with The FHA 203K Standard Program...  The Buyer Concern: "A Red Roof? A retaining Wall that is falling down, we need nice landscaping package with a brick walk way and front Lamp post...what about new windows and siding? OH YEAH! and please close in the wannabe sunroom and … (2 comments)

lehigh valley homes: Lehigh Valley Foreclosures & Real Estate Getting a Loan for Foreclosures, Handyman Specials & Short Sales - THERE IS A WAY - 03/24/10 07:20 AM
Lehigh Valley Foreclosures & Real Estate - Do you want a GREAT DEAL? Are you interested in finding a home that needs work but wonder how you can get a loan on the property? Then Rehab loans are for you. Learn Here.Times have changed....we are digging our self out of a Recession and the way MOST are buying homes has also changed.CURRENT FACTS1) MOST Home Buyers are going with an FHA Loan where you only need 3.5% Down as of Today 3-23-10.2) The problem with the Standard FHA Loan is there is an FHA appraisal required that will not allow any … (0 comments)

lehigh valley homes: Lehigh Valley Foreclosures & Real Estate - What is the Process for Getting an FHA 203K Renovation Loan? - 03/24/10 07:02 AM
Lehigh Valley Foreclosures & Real Estate - What is the Process for getting an FHA 203K Renovation Loan? Find out the Basics for FHA 203K Streamline and FHA 203K Standard programsWhen ever there is anything offered by the government it tends to be a bit confusing...so, I have dedicated my time to learn everything I can about this program plus develop relationships with the Renovation Mortgage Specialists in the Lehigh Valley so I can walk my Lehigh Valley Home Buyers through taking advantage of this opportunity available to them.What a wonderful idea.  Build a Loan Program  that will assist in building … (0 comments)

lehigh valley homes: Lehigh Valley Foreclosures & Real Estate - What Type of FHA Loans are Available for Renovation Financing? FHA 203K Streamline & Standard Loans - 03/24/10 06:45 AM
Lehigh Valley Foreclosures & Real Estate - What type of FHA Loans are Available for Renovation Financing? FHA 203K Streamline and Standard Loans - Learn about the Basic program opportunitiesRenovation Financing opportunities for FHA 203K Streamline Program - The quick and Easy (close within 60 days)
Owner Occupied ONLY! Sorry, No investor loans For Purchase and Refinancing 1 to 4 Unit homes (including mixed use) No minimum Repair amount - get as little as $1000.00 or as much as $30,000.00 15 or 30 year fixed rates Adjustable Rate Products available - Great benefits for Homeowners who are looking to move within … (0 comments)

lehigh valley homes: Lehigh Valley Foreclosures & Real Estate - What is FHA Renovation Financing "Rehab Loans" , How Does it Work & The Benefits? - 03/24/10 06:36 AM
Lehigh Valley Foreclosures & Real Estate - What is Renovation Financing "Rehab Loans" & How Does it work? - What are the Benefits to the Lehigh Valley Home Buyer?What is Renovation Financing?
It is financing will all the fixings The money to purchase a home The money to repair, upgrade or remodel All in a single first mortgage transaction FHA Programs Available - FHA 203K Streamline, FHA 203K Standard How Does Renovation Financing Work?
Loan amounts are based upon AFTER IMPROVED property values Estimates of repairs and/or other improvements are determined prior to closing home purchase closes in AS IS condition … (0 comments)

lehigh valley homes: 8000 Home Buyer Tax Credit - Deadline April 30th - $5000.00 Can be used for Closing Costs & Down Payment - 03/24/10 05:35 AM
Home Buyer Tax Credit - Deadline April 30th - $5000 can be used for Closing Costs & Down Payment Let me help you through it.
Let's Face it, The Home Buyer Tax Credit is GREAT! BUT, Most of us need it up front to help us with the closing costs at settlement.
Wouldn't it be great if YOU can get $5000.00 of the $8000.00 upfront to use for your closing costs at settlement? Well, If you make less then  $70,000.00 per year...you have a really good chance!
There are a few other requirements....but, the catch is MANY Mortgage Companies are NOT … (0 comments)

lehigh valley homes: Lehigh Valley Home Buying LOANS for TODAY not YESTERDAY - A New Loan to Purchase Foreclosures - 02/07/10 12:15 PM
Lehigh  Valley Home Buyer Loans for TODAY not YESTERDAY. A NEW Loan to Buy  Foreclosures!  MAY 1ST 2010 Deadline - Use in addition to The Home Buyer Federal Tax Credit! NOW, THAT'S SO MAJOR INCENTIVE to purchase!
THIS LOAN IS OPEN TO OCCUPIED Home Buyers and Investors!  Holly COW - Investors normally needs to put down 20%, right!!!! come on people...this is GREAT!
WOW! There is a new Mortgage Loan in town.  He is only staying local for Home Purchases that close on or before May 1, 2010.  BUT, That's okay because to use the Tax Credit you need to be under … (1 comments)

lehigh valley homes: Lehigh Valley CASH Investors, PreApproved Short Sale - Bethlehem North Twin - Written Plan for 21% Return within 2 yrs - OFFER DEADLINE 2-15-10 - 02/07/10 04:41 AM
Lehigh Valley CASH Investors, PreApproved Short Sale - Bethlehem North Twin - Written Plan for 21% Return within 2 yrs - OFFER DEADLINE 2-15-10 This is FOR REAL - BUT LIMITED Time...there's a catch you must have your written offer in by 2-15-10 and go to settlement on or before 2-26-10. Other wise the bank will be taking this one through the Foreclosure process.Okay, Yeah this is for REAL. Check it out.  I ran ALL Estimate cost, expenses and projected Net Profits for YOU.DO YOU LIKE a 21% RETURN ON YOUR INVESTMENT within 2 yrs?  Does Cap Rate Confuse you?  It's … (0 comments)

lehigh valley homes: Lehigh Valley Homes & Real Estate - The Home Inspection 4 Things Buyers & Sellers should Know - 11/07/09 08:23 AM
Lehigh Valley Homes & Real Estate - The Home Inspection 4 Things Buyers and Sellers should know - When selling a home in Allentown, Bethlehem, Easton or the surrounding area..you should be prepared when it comes to the home inspection.Tips for Lehigh Valley Buyers and Sellers about the Home Inspection.This information will apply to you ONLY If you plan on working with a Real Estate Agent to buy and or sell a home in the Lehigh Valley PA area.  If you plan on selling your home as a For Sale By Owner..this may not apply to you. This ONLY applied to … (2 comments)

lehigh valley homes: Lehigh Valley Foreclosure & Real Estate - 10 Things to know about Buying Foreclosures - 11/07/09 08:21 AM
Lehigh Valley Foreclosure & Real Estate - 10 Things to know about Foreclosures in the Lehigh Valley Area - Thinking about Buying a Foreclosure, Bank owned, REO or Short Sale Property? Things you need to know first.Foreclosure's can be a great opportunity for a Home Buyer to get a property at a discounted Price.  BUT Before just jumping into this head first and ONLY looking for a Foreclosure to purchase...let's make sure you know some details about buying a Lehigh Valley Foreclosure.1) Typically a Foreclosure has been vacate for about 1 year BEFORE it has become available on the MLS for … (0 comments)

lehigh valley homes: Lehigh Valley Real Estate & Homes - Top 5 Lehigh Valley Seller Questions - 11/07/09 08:20 AM
Lehigh Valley Real Estate & Homes - Top 5 Lehigh Valley Seller Questions when selling a home in the Lehigh Valley PA Area.  Lehigh Valley Real Estate selling techniques and suggestions including Allentown, Bethlehem, and Easton.When thinking about selling a home it can be a very stressful and overwhelming time for you.  If you get 3 Different Real Estate Agents to give you a CMA (current market anylasis) Bascially, Tell you what you can list and sell your home for...you may get varied answers, but each one should be within the same range...unless they are just tell you what you want … (0 comments)

lehigh valley homes: Lehigh Valley Real Estate & Homes - What is a Buyers Agent? - 11/07/09 08:18 AM
Lehigh Valley Real Estate & Homes - What is a Buyers Agent? Okay, so we have Real Estate Agents - Some are called Seller's Agents and Some are Called Buyer's Agents, What is the Difference and why should I care?In the State of PA you can have many different relationships with a Liscensed Real Estate Agent.I am going to talk to you about working with a Lehigh Valley Real Estate Agent for the purpose of selling or buying a Residential home in Allentown, Bethlehem, Easton or a 35 mile radius of this within PA (not including New Jersey)The Real Estate Agent … (0 comments)

lehigh valley homes: Lehigh Valley Real Estate and Homes: 10 Top Lehigh Valley BUYER QUESTIONS - 11/07/09 08:17 AM
Lehigh Valley Real Estate and Homes: 10 Top BUYER QUESTIONS in the Lehigh Valley PA Area. Are they your's too? Lehigh Valley Real Estate including Allentown, Bethlehem, and Easton plus the Pocono's too...can be quite confusing.I am thinking that these would be good Questions to Answer during my Lehigh Valley Home Buying Workship? Can you let me know if you would prefer a different question get answered? When you work in a career it is almost impossilbe to be BASIC.  So, help me out here, would ya? My students will appreciate it.  I want to have FUN classes. So, we will … (0 comments)

lehigh valley homes: Lehigh Valley Foreclosure & Real Estate: Avoid Foreclosure Scams in PA - 10/17/09 05:22 AM
Lehigh Valley Foreclosure  & Real Estate Avoid Foreclosure Scams in PA: What you need to know about Avoiding Foreclosure in the Lehigh Valley - You should not PAY A DIME for getting help to Avoid Foreclosure in the LVOkay, Here is a Brief List of the things you should look out for when you are trying to get more information about Avoiding Foreclosure. If you would like more details about the information below..just go to my website. www.AvoidForeclosureScams.com 1) If you are hiring a Real Estate Agent to conduct the Short Sale or Pre-Foreclosure on your home and You ask them … (0 comments)

 
Heather Moriah Martin, REALTOR - Lehigh Valley (eXp Realty)

Heather Moriah Martin

REALTOR - Lehigh Valley

Allentown, PA

More about me…

eXp Realty

Address: PO Box 4115, Allentown, PA, 18105

Office: 888-397-7352

Mobile: 610-914-3763

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