Are Real Estate Agents the Only Ones that Do These Things?

cheesy realtorThis March, I am celebrating 20 years of being a real estate agent. I have learned a lot in this business about real estate, finance, and more importantly, about people. One thing that is clear; real estate agents are a different type of animal. For the most part, I have met and been able to cooperate with many fine individuals in this industry who have also become my friends. However, with the perception that TV shows portray, and the thinking that this career path is easy & lucrative to anyone who can get their license, there are a few agents that I have come across that just seem to give the rest of us a bad name.  Here are a few examples of what I am referring to. [Read more...]

A new record! First-time homebuyers purchase a home for just $0.72!

253_Parkridge_picA NEW RECORD!  I absolutely love a challenge.  But this one will most likely be the standing record for some time.  I am one of the few who tout what I believe to be the most phenomenal first time homebuyer program available, the USDA Rural Development Home Loan Program.  This program allows a first time homebuyer to purchase a home with 100% financing.  And in this case, just 0.72 cents! [Read more...]

Did you miss the boat on buying a house in Montgomery County?

Were you one of those buyers who remained on the fence for the last few years waiting for the bottom of the real estate market to hit?  Did you think that interest rates had no chance of going up anytime soon?  Well, I am sorry to be the one to let you know but you missed the first boat out of port.  Just make sure you don’t miss the rest of the fleet!

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Tractor Supply, STS Auto & Giant Gas Coming to Harleysville!

The Shoppes of Harleysville Shopping Center in Harleysville, PA will be getting some new neighbors soon.  Currently, there is a traffic light and the intersection of Route 113 and Park Avenue that also leads to the rear entrance of the shopping center that houses Walmart, Giant, Radio Shack, Harleysville Mattress, Great Clips, GNC Store, Zachs Pizza, JJ Asian Cuisine, and Parks Royal Cleaners.  But there is a lot of land left at that location, and it will soon be filled up with more retail shops to serve the community.
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Who was Smoking What When They Came Up with Montgomery County’s Real Estate Tax System?

Welcome to Montgomery County.  A beautiful County filled with great people, tons of things to do, a perfect location close to the hustle & bustle of Philadelphia, weekend hikes & winter skiing in the Poconos, & a short drive to the beauty, peacefulness & tranquility of the Jersey Shore.  It really is a great place to call home.  However, Montgomery County has one of those black sheep, also shared with its neighbors in the Commonwealth.  Real Estate taxes.  What were they thinking when they came up with this system?

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I am approved for a mortgage, why can’t I buy any house in my price range??

So you did the right thing.  You were able to get pre-approved for financing and everyone tells you it is as good as buying with cash.  Then you start looking at houses and your agent tells you that the property you want to see is ineligible for the type of financing you are approved for.  What gives??? [Read more...]

Give me a seller assist to pay for my closing costs, please!

It’s smart, it’s legal, it varies with loan products, but a full seller assist (seller credit, seller concession, etc) may not be possible with certain properties.  Before they met me, a client wanted to purchase a foreclosure in Montgomery County, PA.  They were approved for a mortgage, they had the down payment, but their real estate agent said the bank would not provide a seller assist greater than 3% of the sale price, and they needed a 6% seller assist to cover their closing costs.  The agent stated that that was out of the question and they could not make the numbers work.  Well, they lost out on that opportunity and were referred to me by a past client of mine whom they had been complaining to about the scenario.  So what can be done to overcome this problem in the future?

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A Reverse Mortgage is one of the best financial tools out there today.  It is amazing what you can do with them and the quality of life that can be had once they are put in place.  There are many misconceptions that we will clear up and to start, here are some actual stories to review.

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