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About Saint Clair County, MI

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Looking for a new home?

09-08-09
Pat McCray, ABR
Pat McCray, ABR: Real Estate Agent in Berlin Township, MI
  • view my blog
  • Office: (810) 395-1800 x114
  • Mobile: (810) 886-2100
  • Secondary: (810) 395-1800

As you begin to look for that new home, you may want to EVALUATING YOUR ACTIVITIES AND LIFESTYLE:

The neighborhood you choose can have a big impact on your lifestyle, for example - safety, available amenities and convenience all play a part in home ownership satisfaction. Think about the activities you like, (shopping, movies, health club, organizations). Determine how far you would like to travel from each neighborhood to your favorite activity locations.

Here are some HELPFUL WEBSITES:

http://century21.com "Buy" area

http://www.homes.com/Content/Neighborhoods.cfm

http://realestate.yahoo.com/re/neighborhood

http://find.intelius.com

http://www.moving.com/community/

http://www.schoolmatch.com

http://www.patmccray.com Home search tool.


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Blog_tag

Breakfast Seminar

08-12-09
Lester Wilkins
Lester Wilkins: Loan Officer in Port Huron, MI
  • view my blog
  • Office: (810) 987-1200
  • Mobile: (810) 334-2372
  • Secondary: (810) 987-1222

Blue Water Home Loans is hosting a Seminar on August 19th at 9am at Black River Country Club. This Seminar is for all local Real Estate professionals. The seminar is centered around some exciting loan programs we offer that could help you close more deals. A delicious breakfast prepared by the country club will be provided on us. Please RSVP to Lester at 810-987-1200.

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Site Condominium

07-24-09
Lester Wilkins
Lester Wilkins: Loan Officer in Port Huron, MI
  • view my blog
  • Office: (810) 987-1200
  • Mobile: (810) 334-2372
  • Secondary: (810) 987-1222

Effective immediately, FHA no longer requires FHA Condominium Project Approval or Spot Loan Approval for "detached" site condominiums. All other condominium requirements, including the following items, remain in place for "detached" site condominiums:

*Condominium Rider is required.

*The appraisal must be completed using Condominium Appraisal Form 1073. Section of the Act is 234(c)

*$1,000,000 liability insurance coverage is required (certain investors require evidence of liability insurance before clearing a loan to close)

1 Comment
Blog_tag

Breakfast Seminar

07-24-09
Lester Wilkins
Lester Wilkins: Loan Officer in Port Huron, MI
  • view my blog
  • Office: (810) 987-1200
  • Mobile: (810) 334-2372
  • Secondary: (810) 987-1222

Blue Water Home Loans is hosting a Seminar on August 19th at 9am at Black River Country Club. This Seminar is for all local Real Estate professionals. The seminar is centered around some exciting loan programs we offer that could help you close more deals. A delicious breakfast prepared by the country club will be provided on us. Please RSVP to Lester at 810-987-1200.

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Blog_tag

Short Sales

07-21-09
Pat McCray, ABR
Pat McCray, ABR: Real Estate Agent in Berlin Township, MI
  • view my blog
  • Office: (810) 395-1800 x114
  • Mobile: (810) 886-2100
  • Secondary: (810) 395-1800

Are you a homeowner on the verge of a foreclosure and have questions about doing a short sale? You're not alone. recent statisics show 1 out of 5 homeowners in the U.S. are in the same situation. Admitting you need help is one of the 1st courageous things to do. After admitting you need help you can now take action, find a professional who you can work with toward a solution.

Banks really don't want to foreclose on property because the process is very costly to them. If you qualify for a short sale, it will most likely be considered.

Lenders are looking for verifiable hardship, monthly cash flow shortfall or pending shortfalls or what seems to be something unsolvable.

There may be enough time to negotiate a short sale before foreclosure. While a short sale may be very timely, foreclosure is also a process, and there may be time to make decisions that may result in better outcomes.

Short sales are difficult to execute and homeowners do need to learn about the process. Remember, a short sale is not impossible.

Banks are trying to do what they can, within reason, to avoid foreclosure. So before thinking that a bank would deny a short sale, ask them.

There are many potential buyers out there that are very interested in looking at short sales as well as foreclosures, even before they look at sale of private owned properties.

I wish the best for you.

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