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Burns Township, Shiawassee County - Announcing a price reduction on 6257 Grand River Rd, a 1,638 sq. ft., 2 bath, 1 bdrm 1 1/2 story. Now  MLS®$79,900 - Priced Reduced $10,000!. Property information
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 • 1,086 sq. ft., 2 bath, 3 bdrm single story - MLS®$69,900 - Priced to Sell!! Franklin Farms, Mason - STUNNING 3 BEDROOM, 2 BATH RANCH CONDO - GARDEN LEVEL REAR UNIT. MANY UPGRADES. GORGEOUS CHERRY GALLEY KITCHEN WITH GRANITE LOOK COUNTERTOP. CUSTOM COPPER TONED PAINT ON WALLS FOR THAT OLD WORLD LOOK. BLACK APPLIANCES INCLUDED. DINING AREA WITH SNACK BAR. GREAT ROOM WITH TRADITIONAL FIREPLACE. SLIDERS TO PRIVATE PATIO AREA THAT OVERLOOKS NATURE AREA. HALLWAY HAS DYNAMIC PLUM WALL AS A FOCAL POINT. GOOD SIZED MASTER BEDROOM WITH WALK-IN CLOSET AND MASTER BATH WITH CUSTOM GOLD-TONE WALLS. 2 NICE SIZED BEDROOM WITH MAIN BATH. FIRST FLOOR LAUNDRY CLOSET WITH WASHER AND DRYER. 1CAR DETACHED GARAGE IS INCLUDED WITH THIS HOME. $99 ASSOCIATION FEE INCLUDES TRASH REMOVAL, SNOW REMOVAL, EXTERIOR MAINTENANCE, LAWN MAINTENANCE, LIABILITY INSURANCE AND FIRE INSURANCE. WHY RENT, WHEN YOU CAN OWN SOMETHING THIS WONDERFUL!!! Property information
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Delta Township, Eaton County - Announcing a price reduction on 4909 Barnstable Lane, a 2,756 sq. ft., 4 bath, 4 bdrm 2 story. Now  MLS®$275,000 - . Property information
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Delightful Ranch on 1 A Park-like Lot • 1,244 sq. ft., 1 bath, 2 bdrm single story - MLS®$110,900 Eaton Rapids, Eaton County - Charming 2 bedroom (with possible 3rd) home on a beautifully landscaped 1 acre lot. 1244 SqFt of delightful touches. Completely redone in1997 with many custom details. Wonderful neutral decor. Spacious light oak kitchen with peninsula and large eating area. All appliances included. Galley rail above cabinets. Eating area has oak floors. Large master bedroom with mirrored closets with built-ins and custom textured glass shutters. 2nd bedroom with oak floors and mirrored closet doors. Study or possible 3rd bedroom with many oak built-ins; bookshelves, desk with wraparound counter and floors. Wall of windows to let in the light. Large living room with built-in oak bookshelves and storage unit. Sunroom with wall of windows, 1st floor laundry, closet, and cedar closet with door to the garage. 2 car attached garage with stairway to the basement. Bath with oak cabinets. Home has all oak trim. High efficiency furnace and water heater (2007). All Anderson windows for more energy efficiency. Extra insulation under vinyl siding. Look at the utility bills, they are low. Home does have a Michigan basement but it is dry. The 1 acre lot is like a park with extensive gardens, rolling terrain, and a outdoor patio with a pergola. Don’t miss this one, it will go quickly. Property information
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Stunnning 3 Bedroom Ranch
• 1,617 sq. ft., 2 bath, 3 bdrm single story - MLS® $129,900 Owosso, Shiawassee County - THIS CHARMING HOME WAS BUILT BY THE ORIGINAL OWNER & LOVINGLY MAINTAINED. FOYER W/OPEN DISPLAY DIVIDER. LIVING ROOM W/FIELDSTONE FIREPLACE WALL W/GAS FIREPLACE, 3 DISPLAY SHELVES ON STONEWORK, & DISPLAY CABINET W/OPEN SHELVES AND DOORS. HUGE WINDOWS IN LIVING ROOM LET IN THE SUN. KITCHEN W/CURVED PENINSULA SNACK BAR. LOTS OF CABINET STORAGE. JENN-AIR COOKTOP, RANGE W/OVEN, NEW MICROWAVE, & DISHWASHER REMAIN W/HOME. EATING AREA W/SLIDERS TO SCREENED PORCH THAT OVERLOOKS THE LARGE YARD. GLEAMING HARDWOOD FLOORS THRUOUT HOME. 4 PC COMPARTMENTALIZED BATH W/TILE WAINSCOTING, SHOWER & TUB SURROUND. NEW FLOORING & WALLCOVERINGS IN BATH. DOUBLE SINKS W/LARGE MIRROR & NEW LIGHT BAR. LINEN CLOSET IN BATH. 3 GOOD-SIZED BEDROOMS W/LARGE CLOSETS. ENTIRE HOME HAS BEEN FRESHLY PAINTED INSIDE & OUT. SOFT NEUTRAL COLORS HIGHLIGHT THIS HOME’S FEATURES. LOWER LEVEL HAS REC ROOM W/HALF CIRCLE BAR, WOODBURNING FIREPLACE, POOL TABLE, & WORK AREA. UTILITY AREA HAS HALF BATH, LAUNDRY W/WASHER & DRYER, LOTS OF CABINETS, RANGE, & REFRIGERATOR FOR THOSE FAMILY PARTIES. OVERSIZED HEATED 2 CAR GARAGE W/LOTS OF STORAGE. HOT WATER HEAT FOR THAT STEADY WARMTH. SCREENED PORCH W/ACCESS TO PATIO AREA. GREAT NEIGHBORHOOD. A HOME OF THIS QUALITY & CONDITION ONLY COMES UP ONCE IN A GREAT WHILE, DON’T MISS IT!! Property information
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• 1,232 sq. ft., 2 bath, 3 bdrm single story "Modular" - MLS® $112,900 Owosso, Shiawassee County - SECLUDED 3 BEDROOM, 2 BATH RANCH W/PARTIALLY FINISHED LOWER LEVEL ON 3.19 ACRES ON A PRIVATE ROAD. OAK KITCHEN W/LARGE EATING AREA. RANGE, PORTABLE DISHWASHER & REFRIGERATOR INCLUDED. LARGE LIVING ROOM W/GREAT VIEW. 1ST FLOOR MASTER BEDROOM W/ACCESS TO 1/2 BATH & DOUBLE CLOSET. 2 NICE-SIZED BEDROOMS. PARTIALLY FINISHED LOWER LEVEL W/REC ROOM & 3 ADDITIONAL ROOMS. PROPANE HOT WATER HEAT. LARGE DECK OFF DINING AREA W/VIEW OF WOODED AREA. BREEZEWAY BETWEEN HOUSE & 2 CAR GARAGE W/ATTACHED DOG RUN. FRESHLY PAINTED. $1500 FLOORING ALLOWANCE. Property information
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Conway Township, Livingston County - Announcing a price reduction on 6690 Hayner Rd, a 2,100 sq. ft., 3 bath, 4 bdrm 2 story. Now  MLS® $244,900 - $15,000 Price Reduction!!. Property information
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Shiawassee Township, Shiawassee County - The single story at 1953 Grand River RD has been sold. Property information
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Adorable Home on Large Fenced Lot
• 1,216 sq. ft., 1 bath, 2 bdrm single story - MLS® $55,000 - Priced to Sell!! Owosso, Shiawassee County - ABSOLUTELY DARLING 2 BEDROOM RANCH W/LARGE FENCED BACKYARD. IMMACULATE. GORGEOUS OAK KITCHEN W/EATING AREA. RANGE INCLUDED. SPACIOUS LIVING ROOM W/POSSIBLE SPACE FOR FORMAL DINING AREA. NICE SIZED BEDROOMS. LARGE FAMILY ROOM OPENS ONTO THE PATIO. 1ST FLOOR LAUNDRY. MUCH UPDATING: ROOFING, ELECTRICAL SERVICE, FLOORING, KITCHEN, BATH, & SIDING. DETACHED 16 X 20 ONE CAR GARAGE. GREAT HOME!! GREAT PRICE!!! Property information
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I recently posted a blog “Rental Fraud on Craig’s List”. I received numerous emails thanking me for bringing it to their attention. One of them sent me a copy of a similar Craig’s List posting. Here is a copy of her email which included the ad: | This is a message i received from a craigslist ad. This is a scam? The rent is low but I would not have rented the house without looking at it first. The PostingID: 1181039122. I was interested in the house but it did seem kind of odd they would not rent the house before they went to Africa. I'm glad I saw your website. Thanks!
Hello dear,
It's my great pleasure that you are interested in our lovely 3br/1½bth home for rent. I am Pastor Hala Malek owner of this home.. Actually we resided in this home before and presently we have packed out due to my transfer as a matter of my profession,We are essentially missionaries dealing with Bible Translation and literacy worldwide.
We will be serving for a long term and now our home is locked up now and presently we have found a new home here which we will be staying for a very long term which might last 5 years in (West Africa) and presently our lovely home is still available for rent for ($800)as first month rent including the utilities like washer,dryer,fireplace and internet access and garage.
While the security deposit fee($600) comes up as the first down payment and move in fee you will make to receive the keys and other neccesary documents you will use in moving into our home,so after the payment the keys and other documents will be send to your full home address via FedEx.So as soon as you receive the keys and documents you will be sending us the first month rent fee.
Moreso,Now that we on Retreat programme over here. Please I want you to note that all we will want is a very honest and caring person,so i will solicit for your absolute understanding and maintenance of this home and want you to treat it as your own,I hope that is taken. The money is not the main problem but i wan t you to keep it tidy always. I also want you to let me have trust in you as i have always stand on my word. Please feel free to call me on my cell phone : 011-234-805-803-9541
Home Address: 2916 Ashford Rd Atlanta, GA 30319
Monthly rent : $800
Move in Fee (Deposit Fee) : $600
SO IF YOU ARE STILL INTERESTED PLEASE GET BACK TO ME WITH THE RENT APPLICATION FORM FILLED.
RENT APPLICATION FORM
1)Your Full Name.............................?
2)Full home address & Phone number.................................?
3)How old are you...............................................?
4)Are you married....................... .. .. .. .. ... ......?
5)How many people will be living in the house...................................?
6)Do you have a car................................?
7)When do you intend to make payment of deposit fee............................................?
8)how long will you be staying ............................................?
9)When are you packing in to our house..............................?
10)Occupation.....................................?
11)Do you work late night........................................?
Pets Policy:Pets Allowed
Looking forward to hear from you with all this details so that i can have it in my file incase of issuing the receipt for you and contacting you.Await your urgent reply so that we can discuss on how to get the document and the keys to you,please we are giving you all this base on trust and sincerity so I won't like you to disappoint us.
Thanks and God Bless
Hala Malek
Phone # : 011-234-805-803-9541 | We need to be aware of these scams. If you see aposting like this where it seems too good to be true, it probably is. If youare doing business on Craig’s List, read their guidelines on “Avoiding Scamsand Frauds”. If you suspect fraud, here are the numbers to report it (alsoposted on Craig’s List): One of the simple thingsthat I did was to Google search the phone number that was in the ad. In thatinstance and the one above, it was associated with the Nigerian puppy scam. As long as this isprofitable to the scammers, it will continue. The only way that it can beslowed down (it will never stop) is for everyone to be aware and to takeaction. If you see it, report it. One of the people that called my sellerreported the fraud to Craig’s List, because when I went to look for theposting, it was already taken down. Remember the old adage“Fool me once, shame on you. Fool me twice, shame on me.” Be aware. Protectyourselves. Protect others by reporting it. We won’t eliminate the scams andfraud, but we will cut into their profits, making it less desirable to them tocontinue. Thanks for reading myblog Dolly O’Brien
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I had an incident that happened to one of mysellers this past weekend that I think the rest of the realtors need to knowabout. As part of my advertising, I upload listings to Craig’s list underhousing for sale. My seller received a phone call from a lady that said thather home was listed on Craig’s list for rent. The ad had all of the informationfrom my ad; pictures, address, description, etc. The perpetrator searched theweb to get the seller’s name and created an email address using her name atyahoo.com. The background story was that the husband was being relocated to Africaand they needed to rent the house. In addition to the phone call, my seller hadtwo couples show up at her doorstep wanting to rent the house. I also wascontacted by an agent in my office, who had a client interested in renting. Here is the contact information that I receivedfrom her buyer client: my contact with him was viaemail....email address is (I have deleted the email address that he used, as itis my seller’s name) and he sentme phone numbers of: +234-702-963-2643(Nigeria) or 011-234-805-803-9541(this number is the number for aNigerian puppy scam).
He stated he was out of town on business.... My seller contacted theState Police and they believe that it is similar to the email scams that we getall the time about someone dying and needing help getting their inheritance.The only thing that they can do is contact Craig’s list and have them take downthe ad. I intend to check all ofmy listings on Craig’s list to see if they are listed for rent as well as forsale. I suggest that all of us contact our sellers and let them know that thisis happening and that they need to contact us and the police if someonecontacts them. It was very unsettling for my seller to have someone show up ather door wanting to rent her home.
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The Home Buyer’s Tax Credit has undergone another change for the better. It started out as a $7500 interest free loan for the Home Buyer, repaid at a rate of $502 a year for 15 years. That is the simplified explanation; there were other conditions to that tax credit. Then it morphed into an $8000 Home Buyer Tax Credit, with no repayment. Buy a home, file an amended tax return and you would receive your $8000 credit to do with whatever you wanted. Most of my clients were planning on using the money to do the repairs and upgrades that they would like to do, but did not have the money for.
The latest version enables FHA consumers to access the home buyer tax credit funds when they close on their home loans so that the cash can be used as a downpayment. According to Shaun Donovan, secretary of the U.S. Department of Housing and Urban Development, the FHA’s approved lenders will be permitted to “monetize” the tax credit through short-term bridge loans. This will allow eligible home buyers to access the funds immediately at the closing table.
In this declining market, where home buyers are being asked to put more money down on a home, this is a use of our monies that will have an immediate effect. Some people will be able to buy a home NOW. Others will be able to use the money to upgrade and repair their new home. This tax credit is for home buyers that have not owned a home in the last 3 years.
So, if you’ve been thinking about buying a home, but don’t have the required downpayment, this new and improved tax credit is for you. Find that home that you’ve been wanting and use the tax credit as your downpayment.
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In October, I wrote a blog called Doom and Gloom. Just
recently, I have received a couple of comments that set me to thinking and
blogging.
The first comment was “Did I still believe that it is the
right time to buy?” Yes, I do. Interest rates are at an unbelievable low. I
thought I did really well a number of years ago when I got 5.375%. I didn’t
figure that I would ever refi again. Now I’m waiting and watching, looking for
something in the low 4’s. Fixed rate, of course. Another reason for buying is
that there is a glut of homes on the market. In Lansing,
we have about a 10 month supply of homes. For those of you that are not in the
real estate market, that means at the current rate that homes are selling, it
will take 10 months to sell everything that is currently on the market. That
means that there is a great selection. Over 70% of the homes in Lansing
that have sold were either foreclosures or short sales. That means that there
are great bargains out there. Someone will buy these homes, probably at a
greatly reduced price. Shouldn’t it be you? Whether you are looking for a home
to live in or want to invest in rental property, you couldn’t find a better
time to buy.
The second comment was that “I had predicted the bottom of
the decline in October and then again in March. Eventually, I would get it
right.” I didn’t predict anything, but it got me to thinking. Maybe, they
believe that you only buy at the bottom of the market. The problem with that
type of thinking is that you never know where the bottom is until you are on
the other side of it with homes prices going back up. I wish I had a crystal
ball that would enable me to see the future. I would have picked the correct
numbers for one of the multi-state lotteries.
It’s simple. If you want to own a home, then you need to buy
a home. You need to look at everything in your price range plus a little bit
higher. Work with an agent that knows the area. One of my buyers just closed on
a wonderful home in Fowlerville for $68,000. We had looked at everything in
their price range and area. We even drove to Howell (30 minutes away) to look
at a house that we stayed in just long enough to look in the basement (4’ of
water) and leave. When we found the home in Fowlerville, we wondered what was wrong
with it. It had newer vinyl windows, siding, dimensional roof, furnace,
beautiful refinished hardwood floors, original trim and doors, appliances, 1.5
baths, great curb appeal and a reasonable kitchen. All for $68,500. Even the
paint colors were acceptable. There was nothing wrong with it. It was a GREAT
DEAL!!! Most of what we looked at was foreclosures or short sales. And along
the way, we saw other great deals; really nice homes at really nice prices.
Several of the homes had multiple offers on them.
Values are declining and will continue to decline until the
current inventory of foreclosures and short sales are gone. But should you wait
until we reach the unknowable bottom. I don’t think so. Could you pay a little
more than what you would at the absolute bottom of the market? Possibly. Could
you miss that one home that you wanted? Probably. Your choice. My husband and I
are buying.
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I am soooo mad!! I just opened my Equity Line statement, and found that the Mortgage Company had lowered my equity line by 65%. I have never been late, have only used it a few times, and had just paid it off. I had used it to buy a HUD home and rehab it. Financed the home and paid off the equity line. So, I called the Mortgage Company to find out what was going on? I was told that it was reduced due to the “Declining Economic Conditions”. They had a BPO done and they had devalued my home by 38%. I asked if it was a drive-by BPO. Yes, it was. The problem is you can’t see my home from the road, and they are not allowed to trespass on the property, so how did they figure out what was here. It has never been listed, as we built it ourselves. So no MLS information. The only source of information would be the assessor and the assessor hasn’t been here since the home it was built.
The Mortgage Company’s formula for the amount of the revised equity line is “Current BPO Value times 80% minus the 1st Mortgage and what ever is left is my Equity Line”. If I want to appeal it, I have to hire an appraiser and submit the appraisal to them and they will look at it and decide from there. Needless to say, I am not happy. I didn’t plan on using it immediately, but that’s not the point. I disagree with drive-by BPOs. You can’t determine value if you don’t see the whole picture (the interior, the upgrades, the land, etc). It isn’t fair to hardworking people to have their property’s value reduced without a fair appraisal. If they had asked, I would have been glad to allow the agent into my house for a true BPO. It isn’t the agent’s fault. It is the mortgage I wasn’t asked and now would have to pay for an appraisal to “possibly” raise the limit. There is no guarantee that even with that, they would change anything.
All of us are facing this loss of value on our homes. It’s a given in these economic times. It becomes more real though, when it is your personal home. I don’t need to sell, so the impact on me is minimal, other than it raised my blood pressure. But for those people who must sell their homes in this market, they are facing this very hard reality. It leaves them angry, in denial, and sometimes difficult to deal with. We have a very fine line that we are treading. Getting the job done (selling the home, even at a loss) and making it as easy as possible on our sellers (especially when they are losing money). The days ahead will be challenging, but we are up to the challenge.
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arrogant 1. Having or displaying a sense of overbearing self-worth or self-importance. 2. Marked by or arising from a feeling or assumption of one's superiority toward others. ignoble 1. Dishonourable 2. Of low birth or origins greedy 1. Excessively desirous of acquiring or possessing, especially wishing to possess more than what one needs or deserves. 2. Gluttonous. That’s what those three letters mean to me. They really P_ _ _ me off. The old axiom “Fool me once, shame on you. Fool me twice, shame on me.” Well, shame on us. Let’s see, you are in desperate need for money to keep your business running. We give you $150 billion dollars. What do you do? You party hardy on our money!!! Let’s see, you are in desperate need for money to keep your business running. You ask for an additional $40 billion dollars. What do you do? You party hardy on our money!!! AGAIN!!! Something’s wrong with this picture. You are arrogant. You believe that you are entitled to our hard earned money. While the rest of us are tightening our belts, hunkering down, saving money wherever we can, you are spending our money like it was water. The AIG spokesman said the meeting in Phoenix was for independent financial advisors and "was the kind of thing we have to do to run our business." NO, YOU DON’T. Your independent financial advisors have their own personal & business budgets; I bet that they would have understood. They are also helping pay for your bailout with their personal finances. The Queen of Hearts had the right idea, “Off with their heads”. Maybe, not literally, but definitely figuratively. The management at AIG needs to leave, whether they do it voluntarily or if they are removed. NO GOLDEN PARACHUTES!!! Their actions need to be investigated, just as Enron was. There is something rotten there. I don’t know what it is, but hopefully, we find out and hold those involved responsible for their actions.
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