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?

boat missedWere 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!

Shops of HarleysvilleThe 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?

PropertyTax_jpg_800x1000_q100Welcome 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??

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

Closing-CostsIt’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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surprised babyA 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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16 W. 6th St, Bridgeport, PA 19405

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Michael Torres
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16 West 6th Street
Bridgeport, PA
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Fixer upper offering sweat equity!

$ Click for current price
1 BATHROOMS (1 full)
1747 Square Feet

Fixer upper offering sweat equity in Upper Merion School District! Opportunity knocking! Large, solid twin in Upper Merion School District ready for modernization. Perfect candidate to move in and fix it up for a ton of sweat equity. Great room sizes, hardwood flooring under carpet throughout the home. Large kitchen can be remodeled into something spectacular. Potential for a powder room on the first floor. Large bedrooms, updated windows, clean and dry basement, newer furnace, fenced in rear yard, cozy front porch. Exterior has been taken care of and is solid, tight home, no leaks, aluminum capped, etc. Now just put your touches inside. Perfect candidate for the FHA 203k program where you can finance… the purchase price & the repairs into one, low rate mortgage!! Contractor`s estimate available so you can renovate this home to your liking & include that in the mortgage!

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The Importance of Real Estate Photography – From Clicking to Closing

Ashlee Hall ext picAt least 88% of prospective home buyers use the internet as an informational resource during their real estate search (Realtor.com). With popular real estate syndication sites such as Realtor.com, Trulia.com and Zillow.com as well as social media networks, consumers are able to proactively find properties on their own.  It doesn’t stop at the computer. 63% of online searches result in a property walkthrough.

What do these developments mean for real estate photography? The pressure is on. Real estate agents need photography that stands out and appeals to the ultimate decision makers, home buyers. [Read more…]